Budget & Taxes
so your salary works for you
You've got your first job, new expenses, maybe your first own apartment. Exciting, but it can get confusing fast. We'll help you bring in clarity.
Why this matters right now
At the start of your career, a lot of financial decisions happen at once. And that's exactly when there's rarely time to sort everything out properly.
At the start of your career, a lot of financial decisions happen at once.
Your salary feels good, but at the end of the month less is left than you thought.
Your first tax return is coming up: "What can I actually deduct?"
You want to save, but without pinching every penny.
We'll show you how to stay on top of your money – without lists, stress or complicated tools.
What many people in your situation get wrong:
"I don't need a budget, I have enough."
Result: at the end there's no money left for taxes, holidays or reserves.
"Taxes? I'll deal with them in April... somehow."
Many miss deductions – and lose several hundred francs every year.
"I can only start saving once I earn more."
But small, regular amounts are already enough.
"I can just google it."
And you end up in a maze of tips that don't fit Switzerland or your life.
We'll get you out of that – with clarity instead of chaos.
What you really need
To keep your everyday life relaxed, you only need four things:
An overview that doesn't annoy you
A simple system that shows: What comes in? Where does it go?
Fixed costs under control
So rent, health insurance, transit & co. stay predictable.
An emergency reserve
3–4 months of expenses. Not glamorous – but it brings peace of mind. (And prevents expensive debt.)
A tax plan
So you know what's coming – and which deductions you can use.
That's really all it takes.
How we support you – step by step
We listen first, then make it simple for you.
Initial conversation: understanding your situation
Where do you stand? What's stressing you? What do you want to achieve?
Analysis in the background
We review your payslip, fixed costs, tax topics and savings potential.
Concrete recommendations
You get a clear plan: how much saving makes sense, which tax deductions to use, how to build reserves and spot unnecessary expenses.
Implementation without paperwork
If you want, we'll support you there too – simply and digitally.
What you'll know after the conversation
You'll have clarity about:
How much money you can reasonably set aside each month
Which deductions personally save you several hundred CHF
How your first (or next) tax return goes smoothly
How to stabilize your finances without giving anything up
Which mistakes you won't make anymore
In short: you keep the overview – and your salary feels good again.
How much emergency fund do you really need?
Calculate your buffer based on your monthly fixed costs – for real peace of mind, without limiting your everyday life.
Your situation
How many months should your emergency fund cover in a crisis?
When in doubt, the longer option is worthwhile. An emergency fund is money that protects you.
Mini FAQ: The most common questions from Young Starters
Personal consultation
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More overview. Less stress.
Get your personal budget and tax overview – free and with no obligation.
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