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Popular calculators
Our most used calculators to get you started.
Pillar 3a Contribution & Tax Saving
Your maximum 3a contribution and the tax you save by paying it in.
Mortgage Affordability Calculator
Check the Swiss banks’ rules: 20 % equity and housing costs below one third of income.
Gross-to-Net Salary Calculator
Estimate your net monthly pay after Swiss social security contributions and income tax.
Monthly Savings Growth
Project the value of regular monthly investing.
All calculators (100)
Browse all calculators or filter by category.
- Gross-to-Net Salary CalculatorEstimate your net monthly pay after Swiss social security contributions and income tax.
- 13th Month Salary CalculatorConvert between a 12-payment and a 13-payment salary contract.
- Hourly Wage to Annual SalaryConvert an hourly rate to monthly and annual pay, accounting for holidays.
- Part-Time Salary & Pension InsurancePro-rate a full-time salary and check whether you reach the pension fund entry threshold.
- AHV / IV / EO / ALV ContributionsSee what you and your employer each pay into the first pillar and unemployment insurance.
- Self-Employed AHV ContributionsEstimate AHV/IV/EO contributions for the self-employed using the sliding scale.
- Withholding Tax (Verrechnungssteuer) RefundCalculate the 35 % Swiss withholding tax on dividends and interest and what you get back.
- Swiss VAT (MWST) CalculatorAdd or remove VAT at the standard, reduced or lodging rate.
- Tax Saving From a DeductionHow much tax do you save by claiming a deduction (3a, pension buy-in, donations...)?
- Commuting Cost DeductionEstimate the tax deduction for your commute to work.
- Pillar 3a Contribution & Tax SavingYour maximum 3a contribution and the tax you save by paying it in.
- Pillar 3a Growth ProjectionProject your 3a capital with regular annual contributions.
- 3a Account vs. Taxable InvestingCompare locking money in pillar 3a against investing the same net amount freely.
- 3a Staggered Withdrawal SavingsSee how splitting 3a accounts over several years lowers the capital withdrawal tax.
- Pension Fund Buy-In Tax BenefitVoluntary purchases into your pension fund are tax-deductible.
- Pension Fund Conversion RateTurn your retirement capital into an annual pension using the conversion rate.
- AHV Pension EstimateRough estimate of your monthly AHV old-age pension from your contribution years and average income.
- Retirement Income GapFind out how much extra monthly income, and capital, you need in retirement.
- Retirement Capital NeededHow big a portfolio do you need to fund your desired lifestyle?
- AHV Early / Late Retirement CalculatorCompare drawing your AHV pension early or deferring it.
- Mortgage Affordability CalculatorCheck the Swiss banks’ rules: 20 % equity and housing costs below one third of income.
- Mortgage Monthly CostInterest and amortization of your Swiss mortgage.
- Direct vs. Indirect AmortizationCompare repaying the mortgage directly or paying into a pillar 3a account.
- Fixed vs. SARON MortgageCompare total interest on a fixed-rate and a variable SARON mortgage under a rate scenario.
- Equity & Closing Costs NeededCalculate the cash you need to buy a home in Switzerland.
- Property Transfer Tax & Notary CostsEstimate transfer tax and land-registry fees for a Swiss property purchase.
- Rent vs. Buy CalculatorCompare the cost of owning against renting over a holding period.
- Rent & Reference Interest RateHow a change in the mortgage reference rate affects your rent.
- How Much Rent Can I Afford?Use the one-third rule to find a sensible monthly rent.
- Eigenmietwert Tax EffectEstimate how the imputed rental value and mortgage interest influence your tax, and what changes after the reform.
- Compound Interest CalculatorSee how a lump sum grows with compounding.
- Savings Goal CalculatorHow much do you need to save each month to reach a target?
- Monthly Savings GrowthProject the value of regular monthly investing.
- Fund Fee Impact (TER)See how much a high-fee fund costs you compared with a low-cost ETF.
- Rule of 72 – Doubling TimeHow long will it take your money to double?
- CAGR CalculatorCompound annual growth rate between a start and end value.
- Swiss Dividend Income After TaxNet dividend yield after 35 % withholding tax and income tax.
- Wealth Tax Drag on ReturnsHow much does the annual Swiss wealth tax reduce your investment return?
- Financial Independence (FIRE) NumberCalculate the capital needed to retire early and how long it takes.
- Repay Mortgage or Invest?Compare paying down debt with investing the same money.
- Loan Payment CalculatorMonthly instalment and total interest for an annuity loan.
- Consumer Credit Interest Cap CheckCheck a Swiss consumer loan against the legal maximum rate of 10 % per year.
- Car Leasing CalculatorEstimate the monthly lease payment from price, residual value and interest.
- Credit Card Payoff CalculatorHow long does it take to clear your card balance?
- Debt Snowball vs. AvalancheCompare two strategies for repaying three debts with a fixed monthly budget.
- Effective Loan Rate (APR)Find the true yearly cost of a loan including upfront fees.
- Early Repayment SavingsInterest saved by making a lump-sum repayment and keeping the same instalment.
- Overdraft Cost CalculatorWhat does going overdrawn on your account cost?
- How Much Loan Can I Afford?Estimate a sustainable loan size from your monthly budget.
- Refinancing Break-EvenIs it worth switching to a cheaper loan or mortgage?
- Health Insurance Deductible OptimizerFind the franchise (deductible) with the lowest total yearly cost for an adult.
- Franchise Break-Even PointAt what yearly healthcare cost does a lower franchise start to pay off?
- Child Health Insurance FranchiseChildren’s franchise options range from CHF 0 to 600; out-of-pocket is capped at CHF 350 per year.
- Maximum Yearly Healthcare CostYour worst-case cost in a year: premiums, franchise, 10 % deductible and hospital contribution.
- Life Insurance NeedEstimate the coverage that protects your family’s income if you die.
- Disability Income GapCompare your income with benefits from IV and your pension fund if you become disabled.
- Accident Insurance (UVG) Insured SalarySee how much of your salary is covered by compulsory accident insurance.
- Salary Continuation in SicknessHow long is your employer obliged to pay when you are ill (Bernese scale)?
- Insurance Premium ComparisonWhat switching to a cheaper health insurer saves over several years.
- Health Premium Increase ImpactSee how annual premium increases accumulate.
- 50/30/20 Budget PlannerSplit your net income into needs, wants and savings.
- Emergency Fund CalculatorHow much cash buffer do you need and how long to build it?
- Savings Rate & Years to IndependenceYour savings rate decides how soon you can stop working.
- Moving Between CantonsCompare take-home pay and housing costs when moving to a different canton.
- Monthly Budget PlannerAdd up your monthly costs and see what is left.
- Subscription Cost CalculatorSmall monthly subscriptions add up over time.
- Total Cost of Owning a CarAll-in monthly and per-kilometre cost.
- GA vs. Half-Fare CardIs the Swiss travelcard worth it compared with a half-fare card or single tickets?
- Electricity Cost EstimatorEstimate yearly electricity costs from your usage.
- Overtime Pay CalculatorCompensation for overtime under the Swiss Code of Obligations (25 % surcharge).
- Freelance Hourly Rate CalculatorSet a rate that covers your target net income, costs, social security and taxes.
- Profit Margin & MarkupMargin and markup from revenue and costs.
- Break-Even AnalysisHow many units must you sell to cover fixed costs?
- Sole Proprietor vs. GmbH TaxRough tax comparison between a sole proprietorship and a limited company.
- VAT Return: Effective vs. Flat-RateCompare the effective method with the flat-rate (Saldosteuersatz) method.
- Invoice With VAT & Cash DiscountCalculate an invoice total including VAT and early-payment discount.
- Total Employer Cost per EmployeeGross salary plus employer social charges.
- Late Payment InterestDefault interest on overdue invoices (5 % by law).
- Depreciation CalculatorStraight-line and declining-balance depreciation of an asset.
- Startup Cash RunwayHow many months can your cash last given burn and growing revenue?
- Currency Converter with FeesConvert between CHF and a foreign currency with your own rate and bank fee.
- Inflation CalculatorWhat will your money be worth in the future?
- Salary Raise vs. InflationIs your raise keeping up with rising prices?
- Savings Account After Tax & InflationReal return of a savings account once tax and inflation bite.
- Cross-Border Shopping SavingsIs shopping abroad cheaper once VAT refund, exchange rate and travel are included?
- Salary Comparison Switzerland vs. AbroadCompare a Swiss salary with a foreign one adjusted for exchange rate and price level.
- Foreign Investment Return in CHFHow currency moves change your return on foreign assets.
- Present Value CalculatorDiscount a future sum and regular payments to today’s money.
- Bond Yield to MaturityEstimate the yield of a bond bought below or above par (per CHF 100 face value).
- Nominal to Effective Interest RateConvert a nominal rate with periodic compounding into the effective yearly rate.
- Child & Education AllowancesFederal minimum family allowances per month.
- Maternity & Paternity Leave PayDaily allowance and total payout for statutory parental leave.
- Retirement Age & DateFind your AHV reference age and approximate retirement date.
- Child Education Savings PlanSave monthly for your child’s education or a start in life.
- Wedding Budget PlannerEstimate the cost of a Swiss wedding and the monthly savings needed.
- Inheritance & Gift Tax EstimateEstimate cantonal inheritance tax; spouses and direct descendants are exempt in most cantons.
- Charitable Donation Tax DeductionDonations are deductible up to 20 % of your net income (federal tax).
- Moving & Rental Deposit CostsCash needed when you move into a new rental home.
- Small Daily Expenses Over TimeSee what a daily expense costs and what it could grow to if invested.
- Net Worth CalculatorAssets minus liabilities.
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Helpful guides to go with our calculators
Learn more about key financial topics in Switzerland.
The Swiss Three-Pillar Pension System Explained
Pillar 3a: The Complete Guide to Tax-Free Retirement SavingNot sure which calculator to use?
Explore our guides to understand your options and find the right calculator.
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