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🇨🇭 Switzerland · verified for the current period

Mortgage Affordability & Carrying Costs Calculator

Mortgage Affordability & Carrying Costs Calculator built around Switzerland rules, rates, and CHF amounts.

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Versioned calculationSee the methodology section for formula and source details.
Payment timeline

Amortization schedule

Updates instantly when you change an input.

YearPrincipal paidInterest paidTotal
1CHF 7'468CHF 12'330CHF 19'799
2CHF 15'319CHF 24'279CHF 39'597
3CHF 23'571CHF 35'825CHF 59'396
4CHF 32'245CHF 46'950CHF 79'195
5CHF 41'363CHF 57'631CHF 98'993
6CHF 50'947CHF 67'845CHF 118'792
7CHF 61'022CHF 77'569CHF 138'591
8CHF 71'612CHF 86'777CHF 158'389
9CHF 82'745CHF 95'443CHF 178'188
10CHF 94'446CHF 103'541CHF 197'987
11CHF 106'747CHF 111'039CHF 217'785
12CHF 119'676CHF 117'908CHF 237'584
13CHF 133'267CHF 124'115CHF 257'383
14CHF 147'554CHF 129'628CHF 277'181
15CHF 162'571CHF 134'409CHF 296'980
16CHF 178'357CHF 138'422CHF 316'779
17CHF 194'950CHF 141'627CHF 336'577
18CHF 212'393CHF 143'984CHF 356'376
19CHF 230'727CHF 145'447CHF 376'175
20CHF 250'000CHF 145'973CHF 395'973

Compare scenarios

Change term to compare a lower, current, and higher estimate.

How to use this calculator

  1. 1Add your current values in the units shown.
  2. 2Review the headline result and compare the cautious and higher views.
  3. 3Change one assumption at a time to understand the trade-off.
  4. 4Verify current Switzerland-specific rules before acting on the estimate.

Explore this calculator

What your result means →The headline estimated monthly payment is based on the inputs currently shown above (CHF 1'650).Key terms explained →Review the field labels and units above to understand exactly what each input controls.How to use this calculator →Enter your figures, review the live result, compare scenarios, then save, share, or print your estimate.The calculation formula →The calculation follows the standard method described in the formula section below. Results update whenever an input changes.Worked example →Using the current values produces CHF 1'650 as the estimated monthly payment.Assumptions and limitations →Review the assumptions and limitations noted below before relying on this estimate.Costs or factors not included →Fees, timing, eligibility, and other Switzerland-specific rules are not automatically included.Frequently asked questions →How accurate is this estimate? What should I check before relying on it? Can I save or share the result?

Understand your result

This mortgage affordability & carrying costs calculator is a localized planning experience for Switzerland. It uses the published current methodology and the values shown above. Review the listed exclusions and official references before using the estimate for a decision.

Your inputs

The live result changes as you edit the fields above.

Scenario comparison

Test realistic low, middle, and high assumptions.

Key assumptions

Fees, thresholds, timing, and personal circumstances may change the outcome.

Next step

Use an official source or qualified adviser for a decision-specific answer.

Method and limitations

This mortgage affordability & carrying costs calculator is a localized planning experience for Switzerland. It uses the published current methodology and the values shown above. Review the listed exclusions and official references before using the estimate for a decision.

Publication checklist

Formula version current. Reviewed for the period shown; scheduled review by the next rule change.

Source & review statusReview the methodology status below

Switzerland-specific contextValues use CHF amounts and Switzerland conventions.

Important noteFor planning and educational use only.

Your privacy mattersInputs remain on your device.

Official references

Rules and thresholds used by this calculator are labelled for current labelled period. Review the primary guidance before making a filing, borrowing, benefit or investment decision.

Last source review: 3 August 2026. Calculator results are estimates and may exclude circumstances described in the methodology.

Frequently asked questions

Is this an official calculation?+

No. It is an independent planning estimate using the published current methodology and linked official references.

Can I compare scenarios?+

Yes. Change the inputs or select a comparison card to recompute a cautious and higher estimate.

Can I save my inputs?+

Yes. Save keeps the current scenario in this browser only and records its methodology version.

What should I check before acting?+

Confirm the current Switzerland rules, listed exclusions, fees, eligibility requirements, and your individual circumstances.