hopli Blog
Personal finance tips for Swiss households
Swiss Mortgage Guide 2026: Rules, Rates and Real Costs
How mortgages work in Switzerland: the affordability and equity rules, fixed vs SARON rates, amortization, and the Eigenmietwert change from 2029.
Free Household Budget Template Switzerland (Excel)
A free Excel and Google Sheets household budget template for Switzerland, with a simple guide to keeping a Haushaltsbuch that sticks.
Pillar 3a Switzerland: The Complete 2026 Guide
A complete, independent 2026 guide to Swiss Pillar 3a: limits, deadline, cash vs invested, withdrawal and leaving Switzerland.
Eigenmietwert Abolished: What Changes (2029)
Switzerland voted to abolish the imputed rental value. What the reform changes from 2029, who benefits, and what is still open.
Serafe Fee Switzerland: Cost, Who Pays & Exemption
The Swiss Serafe household media fee explained: cost, who pays, the no-TV myth, the narrow exemption, and how to handle moving.
Best Bank Account & Trading Platform Switzerland (2026)
How to choose a Swiss bank account and trading platform on objective factors, plus the consolidation step everyone skips.
Cheap Grocery Shopping in Switzerland (2026 Guide)
A practical guide to cheap grocery shopping in Switzerland: the cheapest stores, own-brands, apps and habits that cut your food bill.
How to Save on Health Insurance in Switzerland (2026)
Every risk-free lever to lower your Swiss health insurance premium in 2026: model, franchise, switching and premium reductions.
Average Salary in Switzerland 2026 (Real Numbers)
What people really earn in Switzerland in 2026: median vs mean, gross vs net, by sector and region, and what counts as a good salary.