Financial calculators
100 calculators in 10 topics. Everything runs in your browser.
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💼 Salary & Tax
Gross-to-net, social contributions, VAT and tax deductions.
Gross-to-Net Salary Calculator
Estimate your net monthly pay after Swiss social security contributions and income tax.
💼 Salary & Tax13th Month Salary Calculator
Convert between a 12-payment and a 13-payment salary contract.
💼 Salary & TaxHourly Wage to Annual Salary
Convert an hourly rate to monthly and annual pay, accounting for holidays.
💼 Salary & TaxPart-Time Salary & Pension Insurance
Pro-rate a full-time salary and check whether you reach the pension fund entry threshold.
💼 Salary & TaxAHV / IV / EO / ALV Contributions
See what you and your employer each pay into the first pillar and unemployment insurance.
💼 Salary & TaxSelf-Employed AHV Contributions
Estimate AHV/IV/EO contributions for the self-employed using the sliding scale.
💼 Salary & TaxWithholding Tax (Verrechnungssteuer) Refund
Calculate the 35 % Swiss withholding tax on dividends and interest and what you get back.
💼 Salary & TaxSwiss VAT (MWST) Calculator
Add or remove VAT at the standard, reduced or lodging rate.
💼 Salary & TaxTax Saving From a Deduction
How much tax do you save by claiming a deduction (3a, pension buy-in, donations...)?
💼 Salary & TaxCommuting Cost Deduction
Estimate the tax deduction for your commute to work.
🏔️ Retirement & Pensions
AHV, pension fund (BVG), pillar 3a and retirement planning.
Pillar 3a Contribution & Tax Saving
Your maximum 3a contribution and the tax you save by paying it in.
🏔️ Retirement & PensionsPillar 3a Growth Projection
Project your 3a capital with regular annual contributions.
🏔️ Retirement & Pensions3a Account vs. Taxable Investing
Compare locking money in pillar 3a against investing the same net amount freely.
🏔️ Retirement & Pensions3a Staggered Withdrawal Savings
See how splitting 3a accounts over several years lowers the capital withdrawal tax.
🏔️ Retirement & PensionsPension Fund Buy-In Tax Benefit
Voluntary purchases into your pension fund are tax-deductible.
🏔️ Retirement & PensionsPension Fund Conversion Rate
Turn your retirement capital into an annual pension using the conversion rate.
🏔️ Retirement & PensionsAHV Pension Estimate
Rough estimate of your monthly AHV old-age pension from your contribution years and average income.
🏔️ Retirement & PensionsRetirement Income Gap
Find out how much extra monthly income, and capital, you need in retirement.
🏔️ Retirement & PensionsRetirement Capital Needed
How big a portfolio do you need to fund your desired lifestyle?
🏔️ Retirement & PensionsAHV Early / Late Retirement Calculator
Compare drawing your AHV pension early or deferring it.
🏠 Mortgage & Property
Affordability, amortization, SARON vs. fixed and renting.
Mortgage Affordability Calculator
Check the Swiss banks’ rules: 20 % equity and housing costs below one third of income.
🏠 Mortgage & PropertyMortgage Monthly Cost
Interest and amortization of your Swiss mortgage.
🏠 Mortgage & PropertyDirect vs. Indirect Amortization
Compare repaying the mortgage directly or paying into a pillar 3a account.
🏠 Mortgage & PropertyFixed vs. SARON Mortgage
Compare total interest on a fixed-rate and a variable SARON mortgage under a rate scenario.
🏠 Mortgage & PropertyEquity & Closing Costs Needed
Calculate the cash you need to buy a home in Switzerland.
🏠 Mortgage & PropertyProperty Transfer Tax & Notary Costs
Estimate transfer tax and land-registry fees for a Swiss property purchase.
🏠 Mortgage & PropertyRent vs. Buy Calculator
Compare the cost of owning against renting over a holding period.
🏠 Mortgage & PropertyRent & Reference Interest Rate
How a change in the mortgage reference rate affects your rent.
🏠 Mortgage & PropertyHow Much Rent Can I Afford?
Use the one-third rule to find a sensible monthly rent.
🏠 Mortgage & PropertyEigenmietwert Tax Effect
Estimate how the imputed rental value and mortgage interest influence your tax, and what changes after the reform.
📈 Savings & Investing
Compound growth, ETF fees, real returns and financial independence.
Compound Interest Calculator
See how a lump sum grows with compounding.
📈 Savings & InvestingSavings Goal Calculator
How much do you need to save each month to reach a target?
📈 Savings & InvestingMonthly Savings Growth
Project the value of regular monthly investing.
📈 Savings & InvestingFund Fee Impact (TER)
See how much a high-fee fund costs you compared with a low-cost ETF.
📈 Savings & InvestingRule of 72 – Doubling Time
How long will it take your money to double?
📈 Savings & InvestingCAGR Calculator
Compound annual growth rate between a start and end value.
📈 Savings & InvestingSwiss Dividend Income After Tax
Net dividend yield after 35 % withholding tax and income tax.
📈 Savings & InvestingWealth Tax Drag on Returns
How much does the annual Swiss wealth tax reduce your investment return?
📈 Savings & InvestingFinancial Independence (FIRE) Number
Calculate the capital needed to retire early and how long it takes.
📈 Savings & InvestingRepay Mortgage or Invest?
Compare paying down debt with investing the same money.
💳 Loans & Credit
Loans, leasing, credit cards, debt payoff and refinancing.
Loan Payment Calculator
Monthly instalment and total interest for an annuity loan.
💳 Loans & CreditConsumer Credit Interest Cap Check
Check a Swiss consumer loan against the legal maximum rate of 10 % per year.
💳 Loans & CreditCar Leasing Calculator
Estimate the monthly lease payment from price, residual value and interest.
💳 Loans & CreditCredit Card Payoff Calculator
How long does it take to clear your card balance?
💳 Loans & CreditDebt Snowball vs. Avalanche
Compare two strategies for repaying three debts with a fixed monthly budget.
💳 Loans & CreditEffective Loan Rate (APR)
Find the true yearly cost of a loan including upfront fees.
💳 Loans & CreditEarly Repayment Savings
Interest saved by making a lump-sum repayment and keeping the same instalment.
💳 Loans & CreditOverdraft Cost Calculator
What does going overdrawn on your account cost?
💳 Loans & CreditHow Much Loan Can I Afford?
Estimate a sustainable loan size from your monthly budget.
💳 Loans & CreditRefinancing Break-Even
Is it worth switching to a cheaper loan or mortgage?
🛡️ Insurance & Health
Health insurance deductibles, accident and income protection.
Health Insurance Deductible Optimizer
Find the franchise (deductible) with the lowest total yearly cost for an adult.
🛡️ Insurance & HealthFranchise Break-Even Point
At what yearly healthcare cost does a lower franchise start to pay off?
🛡️ Insurance & HealthChild Health Insurance Franchise
Children’s franchise options range from CHF 0 to 600; out-of-pocket is capped at CHF 350 per year.
🛡️ Insurance & HealthMaximum Yearly Healthcare Cost
Your worst-case cost in a year: premiums, franchise, 10 % deductible and hospital contribution.
🛡️ Insurance & HealthLife Insurance Need
Estimate the coverage that protects your family’s income if you die.
🛡️ Insurance & HealthDisability Income Gap
Compare your income with benefits from IV and your pension fund if you become disabled.
🛡️ Insurance & HealthAccident Insurance (UVG) Insured Salary
See how much of your salary is covered by compulsory accident insurance.
🛡️ Insurance & HealthSalary Continuation in Sickness
How long is your employer obliged to pay when you are ill (Bernese scale)?
🛡️ Insurance & HealthInsurance Premium Comparison
What switching to a cheaper health insurer saves over several years.
🛡️ Insurance & HealthHealth Premium Increase Impact
See how annual premium increases accumulate.
🧾 Budget & Everyday
Budgets, emergency funds, car costs and transport passes.
50/30/20 Budget Planner
Split your net income into needs, wants and savings.
🧾 Budget & EverydayEmergency Fund Calculator
How much cash buffer do you need and how long to build it?
🧾 Budget & EverydaySavings Rate & Years to Independence
Your savings rate decides how soon you can stop working.
🧾 Budget & EverydayMoving Between Cantons
Compare take-home pay and housing costs when moving to a different canton.
🧾 Budget & EverydayMonthly Budget Planner
Add up your monthly costs and see what is left.
🧾 Budget & EverydaySubscription Cost Calculator
Small monthly subscriptions add up over time.
🧾 Budget & EverydayTotal Cost of Owning a Car
All-in monthly and per-kilometre cost.
🧾 Budget & EverydayGA vs. Half-Fare Card
Is the Swiss travelcard worth it compared with a half-fare card or single tickets?
🧾 Budget & EverydayElectricity Cost Estimator
Estimate yearly electricity costs from your usage.
🧾 Budget & EverydayOvertime Pay Calculator
Compensation for overtime under the Swiss Code of Obligations (25 % surcharge).
🧰 Business & Freelance
Freelance rates, VAT, employer costs and break-even analysis.
Freelance Hourly Rate Calculator
Set a rate that covers your target net income, costs, social security and taxes.
🧰 Business & FreelanceProfit Margin & Markup
Margin and markup from revenue and costs.
🧰 Business & FreelanceBreak-Even Analysis
How many units must you sell to cover fixed costs?
🧰 Business & FreelanceSole Proprietor vs. GmbH Tax
Rough tax comparison between a sole proprietorship and a limited company.
🧰 Business & FreelanceVAT Return: Effective vs. Flat-Rate
Compare the effective method with the flat-rate (Saldosteuersatz) method.
🧰 Business & FreelanceInvoice With VAT & Cash Discount
Calculate an invoice total including VAT and early-payment discount.
🧰 Business & FreelanceTotal Employer Cost per Employee
Gross salary plus employer social charges.
🧰 Business & FreelanceLate Payment Interest
Default interest on overdue invoices (5 % by law).
🧰 Business & FreelanceDepreciation Calculator
Straight-line and declining-balance depreciation of an asset.
🧰 Business & FreelanceStartup Cash Runway
How many months can your cash last given burn and growing revenue?
💱 Currency & Economics
Exchange rates, inflation, present value and bond yields.
Currency Converter with Fees
Convert between CHF and a foreign currency with your own rate and bank fee.
💱 Currency & EconomicsInflation Calculator
What will your money be worth in the future?
💱 Currency & EconomicsSalary Raise vs. Inflation
Is your raise keeping up with rising prices?
💱 Currency & EconomicsSavings Account After Tax & Inflation
Real return of a savings account once tax and inflation bite.
💱 Currency & EconomicsCross-Border Shopping Savings
Is shopping abroad cheaper once VAT refund, exchange rate and travel are included?
💱 Currency & EconomicsSalary Comparison Switzerland vs. Abroad
Compare a Swiss salary with a foreign one adjusted for exchange rate and price level.
💱 Currency & EconomicsForeign Investment Return in CHF
How currency moves change your return on foreign assets.
💱 Currency & EconomicsPresent Value Calculator
Discount a future sum and regular payments to today’s money.
💱 Currency & EconomicsBond Yield to Maturity
Estimate the yield of a bond bought below or above par (per CHF 100 face value).
💱 Currency & EconomicsNominal to Effective Interest Rate
Convert a nominal rate with periodic compounding into the effective yearly rate.
👨👩👧 Life Events & Family
Parental leave, child allowances, inheritance and net worth.
Child & Education Allowances
Federal minimum family allowances per month.
👨👩👧 Life Events & FamilyMaternity & Paternity Leave Pay
Daily allowance and total payout for statutory parental leave.
👨👩👧 Life Events & FamilyRetirement Age & Date
Find your AHV reference age and approximate retirement date.
👨👩👧 Life Events & FamilyChild Education Savings Plan
Save monthly for your child’s education or a start in life.
👨👩👧 Life Events & FamilyWedding Budget Planner
Estimate the cost of a Swiss wedding and the monthly savings needed.
👨👩👧 Life Events & FamilyInheritance & Gift Tax Estimate
Estimate cantonal inheritance tax; spouses and direct descendants are exempt in most cantons.
👨👩👧 Life Events & FamilyCharitable Donation Tax Deduction
Donations are deductible up to 20 % of your net income (federal tax).
👨👩👧 Life Events & FamilyMoving & Rental Deposit Costs
Cash needed when you move into a new rental home.
👨👩👧 Life Events & FamilySmall Daily Expenses Over Time
See what a daily expense costs and what it could grow to if invested.
👨👩👧 Life Events & FamilyNet Worth Calculator
Assets minus liabilities.