A budget you actually use
Monthly or dated targets, alerts for what is overspent or underfunded, amounts with expressions like =120+45.50, undo and redo, keyboard shortcuts and a view made for your phone.
Your data stays in Switzerland
Your money,with a plan.
Plan ahead forrent, health insurance, taxes, pillar 3a, holidays
Budget, accounts, imports and reports in one app, with all your data hosted in Switzerland.
- languages: EN, FR, DE, IT
- 4
- trackers or analytics tools
- 0
- free months with the waiting list
- 3
- of your data in Switzerland
- 100%
- CAMT.053 · ISO 20022
- CSV from any bank
- Revolut statements
- YNAB export
- Amounts in CHF
- Targets with a date
- Automatic rules
- Reconciliation
- Shared expenses
- Installable app
Four habits that change how you handle money
Zero-based budgeting doesn't look back at what you spent: it decides in advance what every franc you have is for.
- 1
Decide where every franc goes
When your salary arrives, you spread it across categories until Ready to Assign reaches zero. No franc is left without a purpose.
- 2
Set money aside for big bills
Taxes, the health insurance deductible, pillar 3a and insurance become monthly amounts with a target. When the bill comes, the money is already there.
- 3
Adjust the plan anytime
Overspent on restaurants? Move money from another category in one click or by dragging it. The plan adapts, no guilt involved.
- 4
Live a month ahead
Days ahead measures how many days pass between a franc arriving and you spending it. The higher it gets, the more you live on last month's salary.
Features
Your whole financial life, in one place
At launch, the budget, accounts and reports. The rest follows, plan by plan.
Effortless imports
CAMT.053, CSV from any bank with a guided mapping, Revolut statements and YNAB exports. Duplicates are recognised and rules categorise on their own.
After launch
Connected banks
Optional: balances and transactions from your bank, card included, matched with what you already entered. If you don't turn it on, no data leaves Switzerland.
After launch
Payslips
Gross to net with your own rates: AHV/IV/EO, unemployment insurance, BVG, withholding tax and rounding. Net pay enters the budget exactly once.
After launch
Tax optimizer
Advice ranked by saving, a what-if simulator and a tax estimate, with the source of every parameter.
After launch
Investments and net worth
Stocks and ETFs in any currency, XIRR return, Interactive Brokers import, a year-end securities report and, in your net worth, your home and vehicles too.
Shared expenses
Split a dinner equally, by percentages or by amounts. You always know who owes you what, even with partial repayments.
Reports with answers
Categories month by month, recurring subscriptions, savings rate, month-end forecast, days ahead and a Swiss view of the year.
Designed for Switzerland, not just translated
The rules, formats and habits of people living here are built into the product, not tucked into a footnote.
Amounts the way you write them12'345.50
A Swiss template from day one
Rent, health insurance premiums and deductible, taxes, withholding tax, pillar 3a and an emergency fund, with targets suggested from your answers.
Speaks your bank's language
CAMT.053 ISO 20022, the Swiss payments standard, and any CSV with column mapping.
Exact to the centime
Amounts in whole centimes and 5-centime rounding where it applies.
Four languages
English, français, deutsch, italiano: switch language whenever you like, your data stays the same.
Hosted in Switzerland
Your data stays in Switzerland
AssetFlow is hosted in Switzerland. Database, documents and backups never leave the country and are protected by the Swiss Federal Act on Data Protection (FADP).
- Servers and backups in Switzerland, under Swiss law.
- No analytics tools and no third-party trackers.
- Every row is protected in the database: an account only sees its own data.
- Amounts never end up in logs.
- Export everything as CSV whenever you like.
- Delete your account and all its data with it, documents included.
Roadmap
It starts with the budget. The rest follows.
At launch, the Budget plan will be available. The other two plans will follow, in this order.
- At launchAvailable at launch
Budget
Zero-based budgeting and your accounts.
- Zero-based budget with targets
- Accounts, transactions and reconciliation
- CAMT.053, CSV, Revolut and YNAB import, automatic rules
- Reports, recurring subscriptions and Age of Money
- Shared expenses and repayments
What you get at launch
- With the waiting list: 3 free months of the Budget plan.
- Without the waiting list: a 14-day trial.
- Without a subscription: a free version with very limited essential features.
- After launchComing
Work
Salary, payslips and tax optimisation.
- Payslips and employers
- Tax optimizer to lower your taxes
- LaterComing
Wealth
Investments, assets and bank-synced accounts.
- Investments and securities report
- Assets and net worth
- Optional bank connection
Each plan will include the previous one.
Frequently asked questions
When will AssetFlow be available?
We're finishing the last details. Everyone on the waiting list gets an e-mail on launch day.
What do I get for joining the waiting list?
Three free months of the Budget plan instead of the 14-day trial. Confirm the address with the link we send you, then create your account with the same e-mail address.
Where is my data stored?
In Switzerland. Database, documents and backups are hosted on servers in Switzerland and protected by Swiss data protection law.
What can I do without a subscription?
After the trial, a free version with very limited essential features remains. The Budget plan unlocks every feature available at launch.
What is zero-based budgeting?
It's a method: you give every franc you already have a job until nothing is left to assign. It isn't a spending limit, it's a plan you can change at any time.
Do I have to connect my bank account?
No. You import your bank's CAMT.053 or CSV statements, or enter transactions by hand.
Can I move over from another budgeting app?
Yes: AssetFlow imports YNAB exports (Register.csv), your spreadsheets saved as CSV and category lists.
Can I use it on my phone?
Yes. It's a web app you can install on your home screen, with a view made for small screens and a keypad for amounts.
Your next salary already has a plan.
Join the waiting list: at launch you'll get 3 free months of the Budget plan.