If you invest in Switzerland, you already know the drill. One app for your Swissquote account, another for VIAC, a third for your crypto, and then a spreadsheet to tie it all together. It is exhausting, and none of the big international tools actually fit. Finary ignores Swiss pension accounts. Sharesight gets expensive fast. Stock Events is thin on real P&L. Something was always missing.
That gap is exactly what Alpgain was built to fill. Justin Vuffray, a solo developer based in canton Vaud, spent over a year building the tool he personally needed: a single app that consolidates bank accounts, ETFs, stocks, crypto, 2nd pillar and 3a into one real-time net worth view, denominated in CHF, built around Swiss realities from day one.
It is not a generic wealth tracker with a Swiss flag slapped on the homepage. The 3a contribution limit (CHF 7,258 for 2026) is tracked automatically. The cantonal tax return gets its own overview. FX conversions are baked into every P&L figure. This is the product the Swiss market has been waiting for.
What Alpgain Actually Does: Key Features
Consolidated Net Worth in Real Time
The Cockpit screen pulls together every account you own: bank, broker, crypto exchange, 2nd pillar, pillar 3a. The total shows in CHF, updated live at current exchange rates. You get a history chart with seven time windows, from intraday to five years. No more copying numbers between tabs at the end of the month.
Real P&L With Fees and FX Included
This is where Alpgain separates itself from lighter trackers. The Finances tab shows cost basis, average buy price, dividends, brokerage fees, custody fees and currency conversions, all folded into one honest gain/loss number. The figure you see is the one that actually counts. Early users are already tracking over 1,150 transactions across 120+ accounts through the platform.
Swiss Pension and Retirement Tracking
The My Retirement module handles both 2nd pillar (LPP/BVG) and pillar 3a as first-class citizens, not afterthoughts. It auto-calculates your annual 3a contribution and runs retirement simulations across three profiles: conservative, balanced, and aggressive. Any transfer landing in a 3a account is automatically counted toward the annual deduction limit.
Budget, Cashflow and Goals
Beyond investing, Alpgain covers your monthly money flow. You set spending categories, apply budget limits, and track savings goals. It is not an accounting package, which is intentional: the goal is clarity, not complexity. You see what comes in, what goes out, and what is building toward a target.
AI Assistant That Acts, Not Just Answers
The built-in AI chat does more than explain things. You can tell it to create a transaction, open an account, set a budget, or fix an entry. It interprets plain-language instructions and executes them inside the app. For people who find financial dashboards fiddly, this is a genuinely useful shortcut.
Marc’s Monday Morning, Before the First Coffee
Marc, a 38-year-old engineer based in Lausanne, had been managing his finances the hard way for years. He held ETFs on Swissquote, a VIAC pillar 3a, a ZKB savings account, and a small Bitcoin position on a separate exchange. Every Monday morning at 7:15, he would sit down at his kitchen table with three browser tabs open, a calculator app, and a Google Sheet he had been maintaining since 2022.
The task was simple in theory: figure out his actual net worth before the week started. In practice it took 25 minutes, involved manual FX lookups, and still left him unsure whether his P&L figures were accurate after fees.
He switched to Alpgain three weeks ago. Now at 7:15 on a Monday, he opens one screen. His net worth in CHF is there: cash, portfolio, pension, all broken down and updated overnight. Last Monday the cockpit showed 82,446.65 CHF total, with a clear split between savings, investments and retirement capital. He checked his 3a contribution progress for the year, confirmed his ETF positions were up 63% on cost basis (fees included), and closed the app in under four minutes. The spreadsheet is still on his desktop. He has not opened it since.
How Alpgain Builds Your Financial Picture
Step 1: Create Your Account
Sign-up takes about 30 seconds. No credit card required. A demo account is available immediately, preloaded with a realistic Swiss portfolio including pillar 3a, 2nd pillar, ETFs, and both CHF and USD positions. You can explore the full product before entering any personal data.
Step 2: Add Your Accounts and Transactions
You add accounts manually by type: bank, broker, crypto, pension. Transactions can be entered one by one or imported via CSV. The app groups everything by account type and calculates positions automatically from there.
Step 3: Set Budgets and Goals
Once your accounts are in, you assign spending categories, set monthly limits, and create savings goals. The cashflow view updates as transactions come in, and the Goals tab tracks progress toward each target.
Step 4: Use the Cockpit Daily
From this point, the Cockpit becomes your financial homepage. Net worth, portfolio performance, pension progress, and budget status are all visible in one scroll. The AI assistant sits one tab away for any changes or questions.
Who Should Try Alpgain
If you live and invest in Switzerland and have grown tired of patching together half a dozen apps that were never designed for your situation, Alpgain is worth a serious look. It is still early, with 66 active users as of launch, and Justin is openly iterating based on feedback. The data is encrypted, hosted in Switzerland, and FADP compliant. You can try the demo without signing up at alpgain.ch and see a full Swiss portfolio in action before committing to anything.
