The product
Optiqo gives you two things, in order:
- The free atlas — Steuerfuss for every Swiss commune (2,061 entries), a 60-second tax calculator, an Optimisation Score that tells you roughly how much you're leaving on the table.
- The personalised plan — for CHF 49, a one-time payment for tax year 2026, you get the multi-year LPP buy-in optimiser, the Pillar 3a strategy with opportunity-cost math, the cantonal-move ROI simulator, and a printable next-steps checklist for your concrete situation. No subscription, no auto-renewal.
We don't sell ads. We don't sell your data. We don't take a cut from any pension provider, bank, or insurer. The CHF 49 is the entire business model.
The operator
- Brand
- Optiqo
- Legal entity
- Aionics OÜ (Estonia, private limited)
- Commercial register
- Estonian Commercial Register, code 17140633
- DUNS
- 987963061
- Built by
- Rok Zaloznik — software engineer, sole founder of Aionics OÜ
- Business contact
- rok@aionics.pro
- Product / support
- hello@optiqo.ch
- Security disclosure
- /.well-known/security.txt
See /imprint for the full legal disclosure (Impressum / Article 322 OR).
The tax data
We don't make up numbers. Cantonal tax scales come from the ESTV Kantonsblätter 2026 (24 of 26 cantons fully transcribed; BL and VS are marked as approximations and clearly flagged in the UI). Commune Steuerfuss data is pulled from 25 of 26 cantonal sources, either the official cantonal tax administration's published list or direct commune announcements. Every number you see on the atlas can be traced back to its source — we don't aggregate or interpret, we transcribe and compute.
Federal scales come from the DBG (Direct Federal Tax Act). The LPP / 3a contribution caps are the current statutory values. We update for each tax year at the start of the year and label everything with the year it applies to.
What we're not
- Not a tax advisor. We compute and rank; you decide and execute. Your cantonal Steuerverwaltung or a registered fiduciary remains the authoritative source for legal-use filings.
- Not a bank or financial-services provider. We don't hold money, don't move money, don't offer investments. Payments are processed by Stripe (PCI DSS Level 1).
- Not a content farm. Articles in /learn are written by the founder, not generated. They explain the mechanics behind each lever the product surfaces.
Data + security
Documents you upload (Lohnausweis, Vorsorgeausweis) are AES-256-GCM encrypted at rest with a per-server key. Auto-purged after 30 days unless you delete sooner. Profile data is per-user, never shared with third parties. The full data-handling story is in our privacy policy.
Security researchers: see /.well-known/security.txt for our coordinated-disclosure contact.