Finch Journal

Swiss Personal Finance Blog

Guides, comparisons and insights for managing your money in Switzerland.

Latest articles

RetirementMay 6, 20267 min read

Pillar 3a vs 3b in Switzerland: Differences, Tax Benefits & Best Providers

Understand Pillar 3a vs Pillar 3b in Switzerland — tax deductions, withdrawal rules, and a comparison of digital providers like VIAC, Finpension and Frankly versus traditional banks.

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TaxesMay 5, 20268 min read

Swiss Tax Optimization 2026: Deductions, Wealth Tax & Imputed Rental Value

A practical guide to optimizing your Swiss tax return — deductible expenses, how the cantonal wealth tax works, and the latest on the Eigenmietwert / imputed rental value debate.

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InvestingMay 4, 20268 min read

Swiss FIRE: ETFs, Brokers & Withholding Tax Explained

How to pursue Financial Independence Retire Early (FIRE) in Switzerland — best low-cost ETFs, Swissquote vs Interactive Brokers, and how to reclaim the 35% withholding tax (Verrechnungssteuer).

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Real EstateMay 3, 20268 min read

Swiss Mortgages: SARON vs Fixed-Rate, Pension Withdrawals & Buying Process

A complete guide to Swiss mortgages — fixed-rate vs SARON, using Pillar 2 and Pillar 3a (WEF) for the down payment, and the step-by-step home buying process for first-time buyers.

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Cost OptimizationMay 2, 20267 min read

Cost Optimization in Switzerland: Health Insurance, Neobanks & Frugal Living

How to cut your fixed costs in Switzerland — switching health insurance every November, comparing Yuh and Zak, and smart grocery and shopping-tourism savings.

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ComparisonsJuly 26, 202615 min read

Best Swiss Personal Finance Apps 2026: 10 Apps Compared (CHF)

Which personal finance app is best in Switzerland in 2026? We compare 10 apps on Swiss bank connectivity via bLink, CHF multi-currency, investment and Pillar 3a tracking, privacy and price — with a clear pick per use case.

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GuidesApril 10, 20265 min read

How to Connect Your UBS Account to a Personal Finance App

Step-by-step guide to safely connect your UBS account to a personal finance app in Switzerland. Learn about Open Banking, security, and what data is shared.

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ComparisonsJuly 26, 202614 min read

Swiss Finance Apps vs. International Apps (2026): Which Actually Works in Switzerland?

Mint is gone, YNAB and Monarch still can't reach Swiss banks. We compare Swiss-built finance apps against international ones on bLink connectivity, CHF multi-currency, Pillar 3a, QR-bill handling, data residency and price.

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AI FinanceApril 22, 20267 min read

Swiss AI Finance Agents: Why Finch Is the Cleo Switzerland Has Been Waiting For

AI finance agents like Cleo took the UK by storm. Here's why Finch is bringing a more advanced, secure AI finance coach to Switzerland — built on Swiss banking infrastructure.

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ComparisonsApril 19, 202616 min read

Best Budgeting Apps in Switzerland 2026: 11 Apps Compared (CHF)

Which budgeting app is best in Switzerland in 2026? We compare 11 apps on CHF pricing, Swiss bank connections via bLink, Pillar 3a tracking, multi-currency and privacy — plus a 50/30/20 sample budget.

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GuidesApril 17, 20266 min read

Open Banking in Switzerland: How bLink Works (And Why It Matters)

A clear explainer of Swiss open banking via bLink — how it works, which banks are connected, what data is shared, and why it's the foundation of every modern Swiss finance app.

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GuidesApril 12, 20267 min read

How to Track Your Net Worth in Switzerland (Multi-Currency, Multi-Bank)

A practical guide to tracking your net worth in Switzerland across CHF, EUR, USD, multiple banks, Säule 3a, investments, and crypto — without losing your mind in spreadsheets.

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