Hello everyone,

Like many here interested in Swiss retirement and tax optimization, I have spent a lot of time analyzing the math behind voluntary 2nd Pillar (Pensionskasse) buy-ins versus alternative wealth strategies (such as Pillar 3a and ETF index investing).

While voluntary pension buy-ins offer an immediate tax deduction at your top marginal rate (typically 25% to 42%), the long-term net benefit depends heavily on:
1. Marginal income tax saved today vs. discounted capital withdrawal tax (Kapitalbezugssteuer) at retirement.
2. The 3-year withdrawal block rule (Art. 79b BVG).
3. The interest rate credited by your specific pension fund vs. equity opportunity cost.
4. Correctly interpreting the technical figures on the annual Vorsorgeausweis.

As an actuary working in Switzerland, I wanted a clean, transparent, and private tool to model these exact trade-offs, so I developed SmartPensionApp for iOS.

What the app covers:
• Free 2nd Pillar Buy-In Calculator: Models year-by-year compounding in CHF, cantonal/municipal tax deductions, and net capital after withdrawal taxes across all 26 Swiss cantons. Generates one-tap PDF summaries.
• Document Scanner (On-Device OCR): Uses Apple Vision to scan your Vorsorgeausweis or Lohnausweis and auto-populate key fields without manual entry.
• Actuarial Comparison Tools: Models ETF opportunity cost, WEF mortgage indirect amortisation, and AHV 21 early retirement gap years.
• On-Device Swiss Pension AI Coach: An offline What-If assistant referencing Swiss statutory provisions (BVG, BVV3, DBG, StHG).

Privacy & Independence:
The app requires no registration, contains zero tracking or advertising, and performs all document OCR and calculations 100% locally on-device. No personal or financial data is ever collected or sent to any server.

The core 2nd Pillar Buy-In Calculator is completely free to use.

I would welcome any feedback from the Moneyland community on the calculation logic, cantonal tax handling, or additional features you would find valuable.

Thank you!