Dachverband Budgetberatung Schweiz

What Dachverband Budgetberatung Schweiz does

Dachverband Budgetberatung Schweiz is a non-profit umbrella association headquartered in Luzern, founded in 1960 and operating as the national coordinating body for household budget advisory services in Switzerland. It serves three segments: private Swiss residents seeking free personal-budget support, professional budget advisors (Fachpersonen) requiring certified training and guidelines, and companies commissioning employee financial-wellness programs. The core offering, branded Budgethilfen, is a unified digital product suite comprising a multilingual (DE/FR/IT) website (budgetberatung.ch), a mobile Budget-App (iOS/Android), an AI-assisted Budget-Chatbot, an online Budgetrechner, downloadable Budgetvorlagen, a Haushaltsbuch household ledger, and standardized Budgetbeispiele for various life stages, complemented by free online courses and a nationwide directory of in-person counseling via 30+ member organizations.

The underlying platform is a conventional web stack hosted by cyon (Basel) using Brevo for newsletters and Google Analytics for measurement, with the mobile app and chatbot delivered through partnerships with the Basel-based agency Yoo.digital and the print/web agency !Frappant. There is no proprietary AI model, no API or SDK surface, and no integration marketplace; differentiation rests on 60+ years of accumulated, validated content, the certified advisor network, and multilingual coverage across all three Swiss language regions.

The revenue model is a diversified nonprofit mix with no government funding from the Confederation or cantons. Income derives from individual Gönnerschaft (CHF 5-20/month) and one-time donations, business Gönner subscriptions (CHF 100-400/month), membership fees from 30+ member advisory organizations, fees for professional training (Lehrgang) and Fachseminare, corporate service fees for tailored employee programs, and project grants from foundations (Asuera Stiftung, Ernst Göhner Stiftung, Hirschmann Stiftung, David Bruderer Stiftung, Swisslosfonds of Aargau and Zug) and corporate partners (Kantonalbanken as Hauptpartner, Coop). All consumer-facing tools and courses are provided free of charge, with the model deliberately structured to maximize reach over monetization.

Name

Dachverband Budgetberatung Schweiz

Legal name

Dachverband Budgetberatung Schweiz

Website

https://budgetberatung.ch

Company type

Private

Founded year

1960

Operating status

Operating

Headcount range

1–10 employees

Short description

Dachverband Budgetberatung Schweiz is a Swiss non-profit umbrella organization (founded 1960, Luzern) that provides free digital and in-person budget advisory tools to private residents, certified training to professional advisors, and corporate financial-wellness services, funded by donations, membership fees, and foundation grants.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Professional, Scientific, and Technical Services (541)

SIC

Services-Management Consulting Services (8742)

akta.pro primary industry

Budgeting & Cash-Flow Management (FSAGADAA)

akta.pro secondary industries

Budgeting & Cash-Flow Management (EDAAAJAA), Consumer Credit Counseling & Budgeting (FSAEAFAA)

Keywords

• Budget advisory services
• Financial literacy education
• Personal finance tools
• Debt counseling services
• Household budgeting

Headquarters

HQ city

Luzern

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Donations and Gönnerschaft (Patronage): The organization is primarily funded through donations from private individuals and corporate gönner (patrons). Monthly recurring patronage options: CHF 5, 10, 20 for individuals; CHF 100, 200, 400 per month for businesses. One-time donations also accepted.
2. Membership Fees: Over 30 member organizations and independent budget advisors pay membership fees to the Dachverband, supporting the network and accessing guidelines and materials.
3. Service Fees: Fees charged to social institutions, authorities, and companies for tailored budget advisory services, professional development, and consulting.
4. Foundation and Corporate Sponsorship: Ongoing financial support from foundations (Asuera Stiftung, Swisslosfonds, Ernst Göhner Stiftung, and others) and corporate sponsors (Coop, Kantonalbanken, and others) for project financing and digitalization efforts.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Dachverband Budgetberatung Schweiz is a non-profit umbrella organization that provides free budget advisory services and digital budgeting tools to Swiss residents. It operates a nationwide network of over 30 certified member organizations offering in-person budget counseling, complemented by free digital offerings including a mobile Budget-App (iOS/Android), an AI-assisted Budget-Chatbot, an online Budgetrechner (budget calculator), downloadable Budgetvorlagen (templates), a Haushaltsbuch (household ledger), reference Budgetbeispiele, and free online financial literacy courses (Kursangebote). It also delivers professional training (Lehrgang) and specialist seminars (Fachseminare) for budget advisors and corporate financial wellness offerings for Swiss companies.

Product overview

Dachverband Budgetberatung Schweiz is a non-profit organization providing a unified portfolio of free digital budget-planning tools and professional services for Swiss residents. The core digital product suite, branded as Budgethilfen, consists of the Budget-App (mobile), Budget-Chatbot, Budgetrechner (calculator), Budgetvorlagen (templates), Haushaltsbuch (household ledger), and Budgetbeispiele (budget examples). These tools are complemented by free online budget courses (Kursangebote) and a nationwide network of certified member organizations offering personalized Budgetberatung (budget counseling) services. The organization also provides continuing education and specialist seminars (Weiterbildung und Fachseminare) for professional budget advisors. The entire offering is available at no cost to end users and is financed through donations, membership fees, service revenues, and corporate/stiftung partnerships.

Differentiator

Problem solved

Functional benefit

Products and services

• Budget-App A free mobile application available on Google Play and the Apple App Store that allows users to track income and expenses. Used by approximately 55,000 active users with 5.9 million entries recorded in 2025. Aimed at Swiss residents managing personal household budgets.
• Budget-Chatbot An interactive AI-assisted chatbot tool on budgetberatung.ch that provides automated budget guidance and answers questions related to personal finance management for Swiss residents.
• Budgetrechner An online budget calculator tool that helps users create and manage personal budgets by computing income versus expenses. Free for private individuals.
• Budgetvorlagen A collection of downloadable and fillable budget template documents for various life situations (students, couples, families, retirees), available in PDF and Excel formats. Free for private individuals.
• Haushaltsbuch A digital household bookkeeping tool that enables users to record and monitor personal financial transactions. Free for private individuals.
• Budgetbeispiele Pre-built budget example templates showing recommended spending allocations for various income levels and life situations, providing benchmarks such as the one-quarter net income rule for housing costs. Free for private individuals.
• Kursangebote / Online-Budgetkurse Online budget courses providing foundational financial literacy and money management skills for a self-determined life. Offered free of charge to Swiss residents.
• Beratung (Budgetberatung) Personalized one-on-one budget counseling services delivered through a nationwide network of over 30 certified member organizations across Switzerland, providing guidance for individuals facing financial challenges.
• Weiterbildung und Fachseminare Continuing education programs and specialist seminars (Fachseminare) for budget counseling professionals, including a full Lehrgang (training program) for certified budget advisors. Targeted at professionals in social work, debt counseling, and related fields.

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

15 partnerships are on record, tiered core and minor.

• Kantonalbanken (Swiss Cantonal Banks)coreGTM or Marketing PartnerThe Kantonalbanken support Budgetberatung Schweiz as part of their social engagement. As main partners (Hauptpartner), they make a significant contribution enabling the development and maintenance of free offerings for private individuals.
• Asuera StiftungcoreGTM or Marketing PartnerThe Asuera Stiftung supports the organization with project funding dedicated to the long-term digitalization of offerings, including the budget app and online tools.
• Swisslosfonds (Kantone Aargau und Zug)minorGTM or Marketing PartnerThe Swisslosfonds of the cantons of Aargau and Zug finance a portion of the project work of Budgetberatung Schweiz.
• CoopminorGTM or Marketing PartnerCoop has supported Budgetberatung Schweiz financially for several years on larger projects, such as the development of the Budget-App.
• Netzwerk FinanzkompetenzcoreStrategic or Co-development PartnerThe Netzwerk Finanzkompetenz is a network of actors from education, prevention, and advisory sectors with a shared goal of promoting financial competency among the population. Budgetberatung Schweiz actively participates in this network.
• Swiss Money WeekminorStrategic or Co-development PartnerLeading institutions in financial literacy, financial education, debt prevention, and advisory services jointly launch the Swiss Money Week to raise public awareness about money management and showcase the broad range of available services.
• Schuldenberatung SchweizcoreStrategic or Co-development PartnerSchuldenberatung Schweiz is the umbrella organization of nonprofit debt advisory services in Switzerland, engaged in advocacy and public relations on debt, over-indebtedness, and debt restructuring of private individuals. Members work according to shared guidelines set by Budgetberatung Schweiz.
• FHNW (Fachhochschule Nordwestschweiz)minorStrategic or Co-development PartnerFHNW is one of the leading universities of applied sciences in Switzerland. Budgetberatung Schweiz collaborates with FHNW's Hochschule für Soziale Arbeit on various projects.
• ZHAW (Zhaw Gesundheit)minorStrategic or Co-development PartnerZHAW is an important partner for practical training. Students from ZHAW are provided with learning fields at Budgetberatung Schweiz for hands-on education in the field.
• Jugendbudget.chminorGTM or Marketing PartnerJugendbudget.ch is a joint initiative of all 24 Swiss cantonal banks addressing questions about children and money, providing parents with ideas, suggestions, and assistance for discussing money topics with their children.
• Iconomix (Schweizerische Nationalbank)minorStrategic or Co-development PartnerIconomix, the digital education platform of the Swiss National Bank, provides current teaching modules for economics classes, supporting financial literacy and equal opportunities.
• LetsFamily.chminorGTM or Marketing PartnerLetsFamily.ch is a Swiss knowledge portal for expectant and young parents offering answers, tips, and background information on children and family life, including financial topics with articles and checklists.
• David Bruderer StiftungminorGTM or Marketing PartnerFoundation providing annual contributions or project funding to support the organization's activities.
• Ernst Göhner StiftungminorGTM or Marketing PartnerFoundation providing annual contributions or project funding to support the organization's activities.
• Hirschmann StiftungminorGTM or Marketing PartnerFoundation providing annual contributions or project funding to support the organization's activities.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Salary Finance: Employee financial-wellness platform offering earned-wage access, savings, and financial education through employer partnerships. Directly comparable to DBBCH's corporate "Unternehmen" service line delivering financial literacy to employees, but operating at much larger commercial scale.
• Mint (Intuit): Large-scale free personal financial management platform from Intuit aggregating accounts, budgets, and spending insights. Operates in the same consumer PFM category as DBBCH's digital suite but at vastly greater scale, with bank-data integration that DBBCH's manual-entry tools lack.

Emerging players

• Even: Employee financial-wellness app offering on-demand pay, budgeting, and savings tools through employer partnerships. Comparable to DBBCH's enterprise financial-wellness offering on the B2B side, but operating commercially rather than as a donation-funded nonprofit.
• MoneyLion: Consumer fintech offering budgeting, saving, and credit products inside a single mobile app. Competes with DBBCH's Budget-App at the consumer-tool layer with a richer productized experience, particularly relevant as Swiss consumers adopt integrated personal finance apps.

Direct peers

• NIBUD (Nationaal Instituut voor Budgetvoorlichting): Dutch independent nonprofit that provides research-based budgeting guidance, household budget tools, and education to the Dutch public. Operates a near-identical model to Budgetberatung Schweiz — independent nonprofit, free consumer-facing budgeting tools, advisory network, and policy-relevant household finance data — making it the most directly comparable peer internationally.
• YNAB (You Need A Budget): Subscription-based personal budgeting software using the zero-based budgeting methodology. Competes head-to-head with DBBCH's Budget-App and Budgetvorlagen for the consumer end of the budgeting-tools market, with a stronger UX and active user community but a paid model.

Regional players

• Verbraucherzentrale Bundesverband: Federation of German consumer advice centers providing independent, partly publicly funded guidance across financial topics including household budgeting and debt prevention. Operates in a neighboring market with a comparable nonprofit advisory model but does not directly compete in Switzerland.

Others

• Caritas Schweiz: Swiss confederation of regional Caritas organizations providing social counseling including financial hardship support. Comparable only as a peer Swiss nonprofit with a member-organization structure and reliance on donations; mandate is broader (poverty relief) rather than budget-specific.
• Schuldenberatung Schweiz: Swiss umbrella organization for nonprofit debt advisory services that operates under shared guidelines set by Budgetberatung Schweiz. Listed here as a partner/ecosystem peer rather than a direct competitor, because the mandate focuses on debt restructuring while DBBCH covers upstream budgeting and prevention.
• Iconomix (Schweizerische Nationalbank): Swiss National Bank's financial- and economics-education platform providing teaching modules for schools. Listed as an ecosystem peer — partner in financial-literacy promotion in Switzerland — rather than a competitor, since DBBCH targets households and professionals while Iconomix targets classroom economics education.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/dachverband-budgetberatung-schweiz

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about Dachverband Budgetberatung Schweiz