Direct vs. Indirect Amortization
Compare repaying the mortgage directly or paying into a pillar 3a account.
- Net interest cost, direct
- CHF 110'376
- Net interest cost, indirect (after 3a tax saving)
- CHF 65'321
- Indirect saves
- CHF 45'055
- Check: 3a limit exceeded?
- Yes, above CHF 7,258
How it works
Compares two ways to repay the amortization part of a mortgage. Direct amortization lowers the loan itself, so interest falls over time. Indirect amortization keeps the loan and saves into a pillar 3a account, which can be tax-efficient. The calculator shows the costs side by side.
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