Your money. Your future.

Free Your Retirement Capital From Expensive Policies

Calculate in 30 seconds how much more you'll have at retirement with an index fund solution.

Calculate Now
Example: Rescue Delta 25 years until retirement
Insurance Policy (Status Quo) CHF 187'420
Index Fund Solution (optimised) CHF 243'680
Rescue Delta + CHF 56'260

Calculate Your Savings Potential

Enter your insurance policy details. We compare against a cost-efficient index fund solution.

CHF
Found on your policy statement
CHF
What you pay in annually
yrs
%
Admin fees + risk premiums
CHF
Projected maturity value from your policy documents
Legal Notice (FinSA/FIDLEG): This is not a financial services offering within the meaning of the Swiss Financial Services Act (FinSA/FIDLEG). We provide exclusively technical services: analysis of documents, preparation of standard forms and general information templates. This constitutes neither investment advice, asset management, nor an individual recommendation. For personal advice, please contact a licensed financial adviser, trustee or a supervised financial services provider. Calculations are based solely on the data you provide and do not replace professional assessment. We accept no liability for the accuracy or completeness of the submitted data and give no guarantee of results.
Your Rescue Delta -- years
Insurance Policy (Status Quo) CHF --
Index Fund Solution (optimised) CHF --
Your Rescue Delta + CHF --
Insurance Policy CHF --
Index Fund Solution CHF --
Value Growth Over Time
Insurance Policy
Index Fund Solution
Rescue Delta
Assumptions: Index fund return based on historical average of Swiss/global equity indices (~6.5% p.a.) minus 0.40% TER (e.g. VIAC, finpension, frankly). Insurance projection per your policy. Past performance is not indicative of future results. Switching removes your insurance cover — a separate term life policy typically costs CHF 300–800/year. Swiss Pillar 3a (third pillar) is a voluntary, tax-advantaged retirement savings account available to employed residents in Switzerland.
Personal Analysis
Upload Your Policy — We Calculate Your Delta

Don't have your policy figures to hand? Upload your document. We'll read it manually and send you your personal savings potential by email — free of charge, within 48 hours.

🔒 Your policy is used solely for the calculation and deleted afterwards.
How It Works

Three Steps. No Paperwork.

From analysis to transfer. Fully digital, entirely in your hands.

01

Calculate

Enter your policy data. The Delta Calculator shows you in seconds how much more you'd have with an index fund solution.

02

Understand

See the concrete difference in CHF — year by year until retirement. No sales pitches, just facts.

03

Act

Decide for yourself whether switching makes sense for you. Coming soon: automated transfer with cancellation letter and account opening.

Insurance Policies Eat Into Your Returns

Mixed 3a life insurance policies split your premiums into a savings portion, insurance cover and fees. The result: years pass before you even get back what you paid in. While digital pension apps charge as little as 0.39% in fees, insurance customers pay a multiple of that.

0–23% Loss of paid-in amount on surrender in the early years
21 yrs Until the surrender value exceeds total premiums paid
3x Higher costs than digital index fund solutions
More Than a Calculator

A Tool, Not a Showcase

Comparis shows you options. We handle the switch.

Smart-Scan (OCR)

AI-powered document recognition, specialised for Swiss financial documents. Surrender values, fees and projections at a glance.

Tax Staggering NEW

Calculate the optimal number of 3a accounts based on your cantonal tax progression. Saves thousands at withdrawal.

Risk Check

Analysis of the insurance cover lost on cancellation. Recommendation of affordable pure risk insurance as a replacement.

eSignature & Dispatch

Legally valid signature via SwissID. Optional registered mail dispatch. Zero paperwork for you.

Your Retirement Deserves Better Returns

Every year in an expensive policy is a wasted year. 3a-Rescue makes switching as easy as it should have been all along.

Calculate Your Delta Now