Affordability calculator

Is your income enough for this property? Calculate like the bank before the bank does: with imputed interest, maintenance and amortisation.

Purchase price
CHF
200'0003'000'000
Household income per yeargross
CHF
60'000500'000
Equityincl. pension fund and pillar 3a
CHF
20'0001'000'000
Load
40.0 %
The bank would say no to this
Imputed interest 5 %CHF 40'000
Maintenance 1 %CHF 10'000
AmortisationCHF 10'000
Annual costsCHF 60'000
Run the full buying check

How to read the result

Green means: the imputed annual costs are below one third of your income and the financing counts as affordable. Orange means: you're just above the limit. Some banks will still go along with it, but you can't rely on that. Red means: with these numbers you won't get a mortgage — it takes more equity, more income or a lower price.

Important: affordability is a model calculation at 5 % interest, not your real monthly load. At today's rate level you actually pay considerably less. That's exactly what makes the rule valuable: it protects you from borrowing to the hilt at the bottom of the rate cycle.

The three levers

First, the purchase price: every franc less lowers the mortgage, interest and amortisation at once. Second, equity: more capital shrinks the mortgage and with it the annual costs. Third, income: a second salary in the household counts in full. The calculator shows you live how each change affects the load.

Frequently asked questions

Calculating is the start. Checking is the point.

The buying check takes a specific property apart: affordability, equity, purchase costs, risks and the questions for the viewing. Free, no sign-up.

Check a property now

More calculators

Mortgage calculatorWhat does the mortgage cost per month?Purchase costs calculatorTaxes, notary and land registry at purchaseMaximum purchase priceYour personal price limit

All values are reference values based on standard Swiss banking practice (SBVg minimum requirements), not financial advice. Individual banks calculate differently; what's binding is always your bank's offer.