SFM Academy — Free ebook
Swiss Personal Finance
— The Complete Guide
10 chapters written by Swiss personal-finance experts. Budget, insurance, taxes, investments — everything school never taught you.
The ebook is currently written in French — an English version is planned.
What you'll learn
A practical, actionable guide to transform your relationship with money in Switzerland.
Swiss budgeting
The 50/30/20 method adapted to the Swiss cost of living.
Tax optimisation
3rd pillar, deductions, LAMal — legally recover CHF 1,500–3,000/year.
Insurance without overpaying
Identify the essential policies and drop the useless ones.
Tenant rights
Move-in inspection, deposit, termination — know your rights as a tenant.
Credit & leasing
Calculate the true cost before signing, and know when borrowing is rational.
5-year financial plan
A concrete roadmap towards stability and financial independence.
Ebook contents
The 10 chapters of the ebook.
Starting your financial life right
The essential basics to take control of your money.
Budget & overdraft
Master your budget and avoid the overdraft traps.
Salary & deductions
Decode your Swiss payslip and optimise your net income.
Moving & housing
The complete guide to moving in Switzerland without bad surprises.
Insurance
Understand the mandatory policies and optimise your coverage.
Credit & leasing
Understand the real costs before you commit.
The car
Calculate the true cost of a car in Switzerland and decide with full knowledge.
Tenant law
Know your rights and protect yourself as a tenant in Switzerland.
Couples & money
Manage money as a couple without conflict, and protect yourself legally.
Financial stability — the 5-year plan
Your concrete roadmap towards financial independence.
Frequently asked questions
Ready to take control of your finances?
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