Mortgage Affordability Calculator Switzerland: practical guide
Mortgage Affordability Calculator Switzerland helps you check important numbers quickly without rebuilding formulas manually. It is built for common decisions in Switzerland: salary, housing, budget, insurance, taxes or freelance work.
The result is a practical estimate. For official decisions, verify the numbers with cantonal sources, contracts, insurance documents or a qualified professional.
Use the related calculators to connect several parts of the same decision and build a clearer view of your monthly budget.
Formula
Sostenibilita = (ipoteca x tasso teorico + prezzo immobile x quota costi accessori) / reddito lordo annuo x 100.
Practical example
Esempio: con CHF 850'000 di prezzo, CHF 180'000 di capitale proprio e tasso teorico del 5%, l'ipoteca stimata e CHF 670'000 e i costi annui teorici partono da CHF 33'500 prima dei costi accessori.
Usage note
Results are indicative calculations based on your inputs. They do not replace a binding payslip, legal advice or an official answer.
Related guides
FAQ
What is Mortgage Affordability Calculator Switzerland for?
It gives a quick estimate based on the values you enter.
Is the result official?
No. It is a practical estimate and does not replace official sources.
Is the calculator free?
Yes, it is free and works online.
Sources and update
Last updated: 12 luglio 2026