Swiss mortgage calculator: affordability and costs
The Wertify mortgage calculator helps you roughly estimate whether a property may look financially affordable and what monthly costs could arise. Adjust interest rate, equity, amortisation, maintenance costs and calculation assumptions freely.
What the calculator covers
Roughly classify affordability, costs and financing
Beta: Der Rechner dient zur Orientierung. Banken können anders rechnen.
Sie verkaufen gleichzeitig eine Immobilie?
Bewerten Sie Ihre eigene Immobilie kostenlos und erhalten Sie eine realistische Orientierung für den Verkauf.
Live calculator
Calculate mortgage
All assumptions are visible and adjustable. Nothing is saved.
Quick result
Updates live with your inputs.
Affordability
37.5 %
Limit 33 %
Effective costs
CHF 2'867
per month
Property & purchase price
Optional: freie Mittel, Säule 3a und BVG separat erfassen.
Choose interest rate
Publizierte Richtzinsen sind öffentliche Orientierungspunkte und keine persönliche Offerte.
Interest rate used
1.80 %
Durchschnitt publizierter Richtzinsen · 27 Anbieter · Festhypothek · 10 Jahre · As of 02.06.2026
Published guide rate, not a personal offer.
Amortisation
Loan-to-value: 80.0 %
2nd mortgage: CHF 150'000
Annual amortisation: CHF 10'000
Costs, income & affordability
Income & affordability
Max. CHF 4'400/month
Maximum monthly rate
CHF 4'400
from the selected affordability threshold
Cost assumptions
Renovation reserve
Included in costs and affordability as a monthly reserve over 10 years.
per month
CHF 0
per year
CHF 0
Affordable does not automatically mean good value
A financing setup can look affordable on paper and still be expensive if the purchase price, condition or renovations do not fit.
Sie verkaufen gleichzeitig eine Immobilie?
Bewerten Sie Ihre eigene Immobilie kostenlos und erhalten Sie eine realistische Orientierung für den Verkauf.
How does the mortgage calculator work?
The calculator combines purchase price, equity, mortgage, interest rate, amortisation, maintenance costs and income. This creates a rough view of monthly costs and affordability.
What does affordability mean?
Affordability describes what share of gross income is used for housing costs in the calculation. Banks often use higher calculation rates, not only current effective rates.
Effective rate vs. calculation rate
The effective rate shows the current assumed costs. The calculation rate simulates a more conservative burden for the affordability check.
Choose provider, product and term
If current published guide rates are available, you can choose provider, product type and term. The selected rate remains a public indication, not a personal offer, and can be adjusted manually.
Amortisation in simple terms
If the loan-to-value is above a certain threshold, part of the mortgage usually has to be amortised. The calculator uses adjustable assumptions for this.
Do not forget maintenance costs
Besides interest and amortisation, maintenance, charges, insurance, fees and reserves also matter. The calculator uses a flat assumption that you can adjust.
Why the purchase price still matters
A low rate helps little if the purchase price is too high or renovations are underestimated.
Sie verkaufen gleichzeitig eine Immobilie?
Bewerten Sie Ihre eigene Immobilie kostenlos und erhalten Sie eine realistische Orientierung für den Verkauf.
FAQ
Frequently asked questions about the mortgage calculator
How does the calculator estimate affordability?
It compares calculated annual housing costs with gross income. Costs include the calculation rate, amortisation, maintenance costs and optional reserves.
Why does the calculator use a calculation rate?
Banks often do not only check affordability with the current rate, but with a higher calculation rate to test whether financing could still work if rates rise.
What is the difference between effective and calculation rate?
The effective rate shows the assumed current interest burden. The calculation rate is a more conservative assumption for affordability. Both can be adjusted.
Can I choose provider, product and term?
Yes, if saved published guide rates are available. You can choose provider, product type and term or enter a rate manually. These rates are indications, not personal offers.
How much equity do I need?
Many financings are oriented around at least 20% equity. Requirements can vary by property, bank and situation. The calculator shows loan-to-value and warnings.
How is amortisation calculated?
By default, the calculator assumes that the part above the first mortgage is amortised over a set number of years. Threshold and duration can be adjusted.
Are the displayed mortgage rates binding?
No. They come from published guide rates or manual assumptions. A personal offer can differ depending on property, income, equity and provider.
Can the calculator replace a bank check?
No. It is only an orientation tool. A binding affordability check and financing offer can only come from a bank or financing adviser.
Why should I also check the property value?
Financing does not only depend on the rate. If the price is too high or renovations are underestimated, the burden can still become problematic.