Why FinanzPilot exists.

There are moments when life shifts quietly, but completely. For us it was the moment the two of us were about to become a family.

We had always been careful with money. We put money aside because it was sensible: a little stability, something for later. But we never had a real why. Suddenly we had one, and the questions came with it. Is what we have enough? Where do we actually stand? Can we give our child a home where it can grow up in peace? And can we manage all that without money becoming a topic between us?

Honestly, we didn't know. Our numbers were scattered across e-banking, apps and paperwork. It took days before we had a full picture for the first time. And as soon as we had it, it was already out of date.

So I started a spreadsheet. I updated it every month, for a whole year. It helped us talk about our wishes instead of our bills: a quieter place to live, a home of our own one day, and how to share our joint costs in a way that feels fair to both of us.

But the spreadsheet was hard work. One typo and the numbers no longer added up. A simple question cost me an evening. And I would rather spend my evenings with my family.

So, step by step, the spreadsheet became FinanzPilot. Not because we know the future; nobody does. But because today we can see at a glance where we stand and roughly where our path leads. That clarity has given us calm. The uncertainty hasn't gone, but it no longer frightens us.

We looked for a long time for an app that could do this: with pillars 2 and 3a, AHV, Swiss banks, shared costs, and with our data staying with us instead of on someone else's servers. We didn't find one. Once FinanzPilot worked for us, the next thought was simple: maybe other families feel the way we did. If FinanzPilot brings you a little calm as well, every evening spent on it was worth it.

Nikola Marković · October 2026

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