Individuals

Financial clarity
for the long term.

Is your tax situation truly optimized? Use our scenario calculators to see how your tax position changes with your personal life. Create files and get information through our chat based only on Swiss legal texts. You can also have your documents reviewed by one of our Experts.

lumi
MF
Workflow
Document ready
Your contract has been validated by the admin and sent.
10m
Scenario calculated
Your savings analysis for a reduced work rate is ready!
1h
Hello, I am Lumi, your personal assistant.
With your CHF 100.-/month payment into your 3rd pillar, you will save CHF 1'239.- in taxes this year.
Key features

Everything you need,
in one place.

Tools designed for individuals in Switzerland, based only on Swiss law, without approximation or mixing countries.

Chat powered by Swiss laws
Ask your legal and tax questions in plain language. Lumi answers with precision, based exclusively on current Swiss laws, for reliable answers without mixing countries.
Life change calculators
Simulate the concrete tax impact of your life decisions. Immediate results, clear comparisons, with expert review option.
Birth of a child
Salary or activity rate change
Unemployment: real tax impact?
3rd pillar A or B subscription
2nd pillar buyback
Marriage or divorce
Document generator
Create your legal documents based on Swiss law. Each document can be reviewed by one of our Experts to guarantee full reliability.
Tax return by a Specialist
Entrust your tax return to a lumio Specialist. Purchase directly from the platform and exchange all your documents in a few clicks. Simple, secure, efficient.
Expert review to go further
Our human Experts verify and refine your simulation and document results. AI provides the base, the Expert guarantees accuracy. A unique combination for total reliability.
Your Personal Assistant

Meet
Lumi.

Lumi is not a chatbot. It is your personal financial assistant that analyses, alerts and advises directly in the interface, without making you search.

Waiting
Active
Tax alert
Lumi ✦
Your scenario is ready. See your tax burden if you get married.
You are missing 3 documents for your tax return file to be complete.
Your lease contract has been reviewed by our Expert. Find it in your Documents.