Rent vs. Buy Calculator
Compare the cost of owning against renting over a holding period.
- Total rent paid
- CHF 351’530
- Owning is cheaper by
- CHF 186’490
- Better option
- Buy
- Net cost of owning (interest + upkeep + lost return − appreciation)
- Total rent paid
Learn more
Renting in Switzerland: Deposit, Reference Rate and Your Rights
How much rent you can afford, what the deposit rules are and when you can ask for a rent reduction.
🏠 5 min readMaintenance and Renovation Costs for Swiss Homeowners
How much to budget each year, what is tax-deductible and how condominium funds work.
🏠 5 min readRent or Buy? A Decision Guide for Swiss Households
The factors that matter beyond the monthly payment: equity, risk, flexibility and tax.
More calculators: Mortgage & Property
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.