๐ŸฆŠ What we stand for

Financial Sovereignty.
For Everyone.

Not just another finance app. A movement for financial self-determination in Switzerland โ€“ regardless of income, education, or wealth.

๐ŸฆŠ Join the movement โ†’
The Vision

Where we're headed

"Every person in Switzerland knows their financial situation, understands their options, and decides with confidence, independence, and freedom โ€“ because true financial independence starts with knowledge, not wealth."
9+
Million people
Our target audience

Not bankers and finance professionals โ€“ every person in Switzerland who wants to take their money into their own hands.

26
Cantons covered
100% Swiss-first

AHV, BVG, Pillar 3a, cantonal tax deductions โ€“ everything that really counts in Switzerland is built in.

CHF 0
Bank commissions
Radically independent

Not a single centime from banks, insurance companies, or product providers. Just your subscription.

Our Why

Why does Geldfuchs exist?

In Switzerland โ€“ one of the wealthiest countries in the world โ€“ millions of people leave thousands of francs on the table every year. Not out of laziness, but because the system is opaque, expensive, and commission-driven.

Professional financial advice costs CHF 200โ€“500 per hour. Banks recommend what earns them commission. Apps from Germany and the US don't understand AHV, BVG, and Switzerland's 26 cantons. And anyone without the time or money for advisors gets left behind.

We believe: Financial clarity shouldn't be a privilege. Geldfuchs exists so that anyone can make the decisions that used to require a wealth manager โ€“ informed, independent, and confident.

The Problem

What's broken today

Why millions of people in Switzerland are navigating their finances in the dark โ€“ and what it costs them.

Billions in tax deductions go unclaimed every year โ€“ because most people don't know how to make the most of Pillar 3a, vested benefits, and occupational expenses.
Banks advise in their own interest. Anyone unwilling to pay CHF 200 per hour gets standard products with kickbacks instead of honest recommendations.
Apps ignore Switzerland. No tool simultaneously understands AHV pension, BVG coordination deduction, 26 cantons, and Pillar 3a.
Financial ignorance is costly. Anyone unfamiliar with the pension system retires with significantly less โ€“ or depends on supplementary benefits in old age.
The complexity of the Swiss system โ€“ 3 pillars, 26 cantons, BVG over-mandatory benefits, vested benefits โ€“ overwhelms even highly educated people.
No holistic view. Budget tracker here, pension calculator there, tax tool somewhere else โ€“ nobody brings the complete financial picture together from A to Z.
Our Answer

Why Geldfuchs?

What makes us the only real answer โ€“ and not just another app.

๐Ÿ”๏ธ
The only tool that truly knows Switzerland

26 cantons, AHV, BVG, Pillar 3a, vested benefits, cantonal tax deductions. No copy-paste from Germany. No generic EU tool.

๐Ÿ”„
From birth to estate

Cash flow, wealth, taxes, future, protection, estate. Six areas. One cockpit. Your complete financial life journey โ€“ under one roof.

๐Ÿค–
AI that actually analyses

Upload your payslip, pension statement, or bank statement. Geldfuchs recognises, sorts, and visualises. Clarity instead of data graveyards.

๐Ÿค
No conflict of interest โ€“ ever

No commissions. No sponsored recommendations. Not a single centime from banks or insurance companies. Our only business model: you pay for the value you receive.

Our Values

What we believe in

These convictions guide every decision โ€“ from the code to the last word in the blog.

โœจ
Simplicity is strength

What can be left out, is left out. Complexity is not a quality feature.

๐Ÿ”“
Radical independence

Not a cent from banks or insurance companies. Never, under any circumstances.

๐Ÿ‡จ๐Ÿ‡ญ
Swiss identity

Built in Switzerland, by Swiss people, for Switzerland. We know the 26 cantons because we live here ourselves.

๐Ÿ”’
Data as property

Your financial data belongs to you. Zero-knowledge is not a feature bullet point โ€“ it's a core value.

You always decide for yourself Honest rather than polite Clarity over completeness Financial literacy as a social responsibility
Who we build for

Our people

Geldfuchs is for everyone โ€“ but these are the people we get up for every day.

๐Ÿ‘ต
Ursula, 72
Retired ยท AHV + pension fund
"I worked for 40 years. Still, it's not enough. Every month I dip into my savings. I don't know when it'll stop. This worry keeps me up at night."
โœ… Geldfuchs shows her exactly how long her savings will last โ€“ and whether there are options she hasn't yet discovered.
๐Ÿ‘ฉโ€๐Ÿ’ผ
Sandra, 38
Project manager, Bern ยท 2 children
"I don't know if my pension fund will be enough. And an adviser costs me half a day's wages โ€“ for one conversation."
โœ… Geldfuchs shows her in 10 minutes where she stands and what she can do.
๐Ÿ‘ฉโ€๐Ÿ‘งโ€๐Ÿ‘ฆ
Nicole, 43
Divorced ยท 2 children ยท part-time
"Since the divorce, all the finances run through me. I count every franc twice โ€“ but I don't know if I'm doing it right. I have nobody to ask."
โœ… Geldfuchs gives her the overview โ€“ and the feeling that she has it under control.
๐Ÿ‘จโ€๐Ÿฆณ
Stefan, 46
Technician ยท married, 1 child
"I earn a decent wage. But somehow there's never much left at the end of the month. At 46 I'm asking myself seriously for the first time: what does retirement look like?"
โœ… Geldfuchs shows him where he stands โ€“ and which levers he still has today.
๐Ÿ‘ด
Hans-Rudolf, 54
SME owner, St. Gallen
"My tax adviser handles the taxes. But who explains whether I can retire early? And what that means for AHV, BVG, and my will?"
โœ… Geldfuchs gives him the scenarios โ€“ so he asks smart questions instead of signing blindly.
๐Ÿ‘จโ€๐Ÿ’ป
Lukas, 29
Software engineer, Zurich
"I've been investing for two years โ€“ but I have no overview. Portfolio here, Pillar 3a at VIAC, salary there. I want to see it all in one place."
โœ… Geldfuchs brings everything together โ€“ automatically, clearly, on your smartphone.
The North Star

How we measure success

Our goal
1 M Swiss people
who truly understand their finances โ€“ thanks to Geldfuchs

Not revenue. Not downloads. Not daily active users. But how many people in Switzerland, through Geldfuchs, know for the first time where they stand financially, what their pension brings, and which decision is the right next step. When that applies to 1 million people, we will have fulfilled our mission. Everything else follows from that.

In our own words

The Manifesto

Switzerland is one of the wealthiest countries in the world. Yet most people don't understand their own pension system. Yet billions in tax savings go unclaimed every year. Yet millions of people make financial decisions in the dark.

This is not a personal failure. This is a systemic failure. Financial knowledge has been hidden behind jargon, commissions, and complexity for decades โ€“ because it's more profitable when people don't understand.

Geldfuchs changes that.

We believe: those who understand their finances live more self-determined lives. Those who know what their pension fund really delivers sleep better. Those who know about tax optimisation pay only what they must. Those who see through their insurance are protected โ€“ without having overpaid.

We're not building an app for finance nerds. We're building an app for everyone else. For Ursula, who worked for 40 years and still can't sleep at night. For Nicole, who counts every franc twice and has no one to ask. For Stefan, who's looking seriously at his finances for the first time at 46. For everyone who deserves to understand their finances โ€“ not because they can afford an adviser, but because it's their life.

And we do this with a clear stance: We don't advise. We educate. You always decide for yourself. Geldfuchs gives you the knowledge you need โ€“ without anyone you have to trust blindly.

Your finances. Finally clear. ๐ŸฆŠ
๐ŸฆŠ Join the movement

Into the Geldfuchs den.

Be among the first to take your financial sovereignty into your own hands. Sign up โ€“ you'll receive an invitation as soon as we open the next batch of alpha spots.

No ads. No data sharing. Just a message when your access is ready.