Own funds calculator: Classify available funds clearly
The equity calculator separates freely available money, pillar 3a and pension fund. This makes it clear how much is actually available for the purchase price and additional costs.
Can be used without an account
Product preview
own funds
What you can do
Key features
Classifies different sources of own funds separately.
Shows the possible financing framework for a selected quota.
Makes visible what proportion comes from hard own funds.
How it works
Step by step
- 1
Record free funds
Enter account balances, securities and other freely available funds.
- 2
Supplement precautionary measures
Add pillar 3a and, if applicable, pension fund assets separately.
- 3
View frame
Check the equity ratio and possible purchase price together with the additional costs.
What you need
Requirements
- Approximate amounts of funds available.
- A desired equity ratio for a purchase price calculation.
Practical guidance
Helpful tips
- Plan an emergency fund and don't automatically use every reserve for the purchase.
- Have the effect of a pension withdrawal on pension and taxes checked separately.
Deliberate limits
What this tool does not do
- He does not examine individual pension rules or tax consequences.
- Pledging and advance withdrawal are only compared in a simplified manner.
- The final recognition is decided by the financing institute.
Quick answers
Frequently asked questions
What are hard equity?+
This refers to funds that do not come from the pension fund, for example savings, securities or pillar 3a.
Are additional purchase costs included in the mortgage?+
They often have to be paid additionally from your own funds. Amount and treatment vary by canton and store.