Calculators
Three calculators for Swiss mortgages, tax, and pillar 3a.
Size the mortgage a Swiss bank would actually grant you under FINMA's stress rules, compare your tax burden across 26 cantons and 8 origin countries, and model pillar 3a with or without a pension fund. Every figure is sourced from FINMA, ESTV, VIAC, and the cantonal tax administrations, and cited on the page.
FINMA rules
Mortgage affordability
What property price your gross income actually supports under Swiss bank rules — 5% imputed interest, 1% maintenance, 20% down, second-mortgage amortization in 15 years.
Inputs: price, equity, gross income.
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2026 limits
Pillar 3a comparison
With BVG you contribute up to CHF 7,258. Without, up to CHF 36,288 (capped at 20% of net earned income). See your annual tax saving and the long-run boost from compounding.
Inputs: BVG status, marginal rate, time horizon.
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26 cantons × 8 countries
Cross-country tax
How your effective tax burden changes between your origin country and a chosen Swiss canton. Includes exit-tax flags for Norway, Germany, France, UK and US.
Inputs: origin country, target canton, household income.
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Methodology
How we build these.
All federal income tax brackets are pulled from ESTV for the 2026 tax year. Mortgage rules follow the FINMA mortgage fact sheet. Pillar 3a limits come from VIAC's annual BVG derivation. Effective cantonal tax rates blend KPMG's Clarity on Swiss Taxes with cantonal capitals from taxolution.ch.
Two 2026 changes to flag: Swiss voters approved the abolition of the Eigenmietwert(imputed rental value) in September 2025 — effective from the 2028 tax period. And the March 2026 individual taxation referendum passed, which will change how married couples are assessed once implementation rolls out. Our calculators reflect the rules in force for the 2026 tax year and we'll update as transitions arrive.