Mortgage calculator: the key to your home.
With the Compando mortgage calculator, your first estimate as to whether you can afford your dream property in Switzerland is just a few clicks away.
Find out quickly and easily whether you can afford a mortgage
Get clarity as to the total costs and your monthly payments
Calculate individual affordability and loan-to-value ratio
Find out your annual savings using the mortgage comparison tool
Mortgage Calculator
CHF
250K5M
CHF
50K3M
CHF
50K1M
More information on property value and own funds
Congratulations
You are on the best way to homeownership
80%Mortgage
CHF 580'000
20%Deposit
CHF 145'000
Your affordability
OK
Exclusive interest advantage
CHF 3'143 / Year
Request a mortgage consultation now.
Our door is open to you. We will provide you with personal and independent advice.
You might also be interested in this
Pillar 3a Maximum Contribution 2026 & the New Catch-Up Rules
4 min read
Pillar 3a - Make more of your money & save taxes!
4 min read time
Savings Account, Funds, or Insurance? Comparing the 3a Options in Detail
4 min read
Who Benefits from Pillar 3a? A Guide
4 min read
Frequently Asked Questions about the Mortgage Calculator
Find answers to the most common questions about mortgage calculation.
Our mortgage calculator helps you calculate your monthly costs and maximum mortgage. Simply enter the property purchase price, your equity, and your financial details.
The calculator then shows you different scenarios with various interest rates and terms, so you can find the best solution for your situation.
This way, you can determine realistic figures before your bank meeting and enter negotiations well-prepared.
In Switzerland, you need at least 20% equity to purchase a property. Of this, at least 10% must come from genuine own funds (e.g., savings, gifts).
The remaining 10% can come from your pension fund (2nd pillar) or pillar 3a.
The more equity you contribute, the better conditions you can negotiate and the lower your monthly costs will be.
In addition to the monthly mortgage payment, you must account for the following costs:
- Amortization: mortgage repayment (usually 1-2% per year)
- Ancillary costs: heating, electricity, water, waste, internet
- Maintenance costs: approx. 1% of the property value per year
- Property tax: varies by canton
- Insurance: building insurance, household insurance
Budget for approximately 1.5% of the property value per year for maintenance and ancillary costs.
With a fixed-rate mortgage, the interest rate remains unchanged throughout the entire term (e.g., 5 or 10 years). You have planning security, but are bound to the agreed interest rate.
With a variable mortgage, the interest rate can change at any time – usually it follows the market rate. This offers flexibility, but also carries the risk of rising interest rates.
Many households choose a combination of both models to benefit from both security and flexibility.
The rule of thumb states: Your total housing costs (mortgage interest, amortization, ancillary costs) should not exceed one-third of your gross income.
Banks calculate affordability using a notional interest rate of 5% – even if current rates are lower. This ensures you can still afford your mortgage even if interest rates rise.
Use our calculator to check if you meet this requirement.