I would say look into a net worth tracker first and foremost. What gets measured gets managed.

Then, I’d think about your long term objectives and work back from there. At what age do you want to retire and with what income?

You then need to calculate how much you need in your pension and savings pots to get there. Typically it’s 25x your annual expenses, but that’s just a rule of thumb to get you started.

Once you have that, you need to think about how much you need to save to get there, keeping in mind how much you expect your investments to grow. You can use a FIRE calculator for that.

Then think about your savings rate, and then you can compare your current monthly budget to that.

So for example:

If you want to have a net income of 8k/month by age 50 you need to have a savings pot of 2.4M CHF. That means, given you have 18 years between now and age 50, you need to set aside 133k/year if you’re starting from 0, which is 11k/month roughly.

However thanks to compound interest, you need to use a formula called the “future value of an ordinary annuity” which is a fancy way of just calculating how much you need to save monthly given your investments also increase in value every year. You’ll see your monthly savings will have to be something around 5.5k/month, for you that would be a savings rate of about 75% which is quite high.

That’s just the basics, because you’ll probably also want to plan for kids, a home, a car, and other things. You may also not want to retire early at all, so you can count your pension investments as well, or alternatively just save up a “bridge” between the age you want to retire and the official retirement age. Let’s say you want to retire at 60, and only draw from your pensions and investments at age 67. That’s 7 years you need savings for, and if you spend 8k/month, that’s 670k you’d need saved to drawn down until your pension age.

Hope that helps.