Loan calculator for Switzerland: Calculate your loan instalments and costs

With the Credit calculator With credXperts, you can see in a matter of seconds what the monthly repayment and total interest costs for your loan in Switzerland will be. Select the amount and term – the calculator will show you what’s realistic. If you’d like, we can then compare offers from several Swiss banks with a single enquiry.

CHF 0.0
120 Monate

Monatliche Rate

from 5.8%

up to 9.95%

Kreditvergleich starten

How to use the loan calculator

  1. Select loan amount: Only take as much as you really need.
  2. Select duration: Terms of 12 to 84 months are common. A longer term means lower monthly repayments, but higher interest costs.
  3. Check the result: Does the instalment fit within your budget? As a rule of thumb, it should fit comfortably within your monthly budget without you having to dip into your savings.
  4. Compare offers: With just one click, you can submit a free enquiry to credXperts.

Sample calculations: How much does a loan cost in Switzerland?

Amount Runtime Interest Monthly instalment Total interest expense
CHF 5,000 24 months 6.9 % approx. CHF 224 approx. CHF 370
CHF 10'000 36 months 6.9 % approx. CHF 308 approx. CHF 1,100
CHF 20,000 48 months 6.9 % approx. CHF 478 approx. CHF 2,940
CHF 30,000 60 months 6.9 % approx. CHF 593 approx. CHF 5,560
CHF 50,000 72 months 5.8 % approx. CHF 824 approx. CHF 9,320

By way of comparison: the same CHF 10,000 over 36 months at 9.9 % costs around CHF 1,600 in interest – that is, around CHF 500 more. With credXperts, you can get interest rates from 5.8 % for homeowners and from 6.9 % for tenants.

How is the loan instalment calculated?

Swiss personal loans are repaid as annuity loans: the monthly instalment remains the same throughout the term. At the start, it contains more interest; towards the end, more capital repayment. The formula is as follows:

Rate = Amount × i / (1 − (1 + i))−n)

However, i the monthly interest rate (annual interest rate ÷ 12) and n the number of months. Example: CHF 20,000, 6.9 % annual interest rate, 48 months → i = 0.00575 → instalment ≈ CHF 478.

Annual percentage rate, nominal interest rate and maximum interest rate

  • Nominal interest rate: the interest on the amount borrowed.
  • Annual percentage rate: includes all the costs associated with the loan and is therefore the correct benchmark. Banks are required to state it in the contract.
  • Maximum interest rate: The Federal Council sets it annually. For cash loans, it has stood at 10 % since 1 January 2026.

What determines your personal interest rate?

  • Income and employment: Permanent position, length of service with the employer and level of income.
  • Housing situation: Homeowners usually pay lower interest rates than tenants.
  • Residence status: Swiss nationals and holders of a C permit are offered better terms than holders of a B or G permit.
  • Existing obligations: Outstanding loans, leases and credit cards (ZEK and IKO).
  • Payment history: Debt enforcement proceedings or negative ZEK codes may result in less favourable terms or lead to your application being rejected.
  • Amount and term: Larger sums often attract a lower interest rate.

As each bank weighs up these factors differently, the offers vary considerably. Read more about this in the Interest rate comparison.

Other calculators from credXperts

Calculate a loan based on the amount: monthly instalments from CHF 15,000 to CHF 100,000

The tables below show the monthly repayments for typical loan amounts and terms – one based on 5.8 % (terms for homeowners) and one based on 6.9 % (terms for tenants with a good credit rating). This allows you to see at a glance which instalment is realistic before you enter your own figures into the loan calculator above.

Monthly instalments at an annual interest rate of 5.8 % (homeowners)

Amount 36 months 48 months 60 months 84 months
CHF 15,000 CHF 455 CHF 351 CHF 289 CHF 218
CHF 25'000 CHF 758 CHF 585 CHF 481 CHF 363
CHF 40,000 CHF 1,213 CHF 936 CHF 770 CHF 581
CHF 60,000 CHF 1,820 CHF 1,404 CHF 1,154 CHF 871
CHF 80,000 CHF 2,427 CHF 1,871 CHF 1,539 CHF 1,161
CHF 100,000 CHF 3,033 CHF 2,339 CHF 1,924 CHF 1,451

Monthly instalments at an annual interest rate of 6.9 % (tenant)

Amount 36 months 48 months 60 months 84 months
CHF 15,000 CHF 462 CHF 358 CHF 296 CHF 226
CHF 25'000 CHF 771 CHF 597 CHF 494 CHF 376
CHF 40,000 CHF 1,233 CHF 956 CHF 790 CHF 602
CHF 60,000 CHF 1,850 CHF 1,434 CHF 1,185 CHF 903
CHF 80,000 CHF 2,467 CHF 1,912 CHF 1,580 CHF 1,204
CHF 100,000 CHF 3,083 CHF 2,390 CHF 1,975 CHF 1,504

Annuity calculation based on a fixed instalment, rounded. Your personal interest rate depends on your credit rating, income and housing situation, and is set by the bank on a binding basis.

Calculating a personal loan: Homeowners or tenants – what difference does the interest rate make?

The difference in interest rates may seem small, but it adds up. A personal loan of CHF 40,000 with a 60-month term costs around CHF 6,180 in interest at 5.8 % (monthly instalment CHF 770), and around CHF 7,410 (monthly instalment of CHF 790). That’s a difference of over CHF 1,200 for the same loan. This is precisely why it’s worth not just asking your own bank, but comparing several offers – read more about this in the Credit comparison Switzerland and on the page Personal loan Switzerland.

Calculating borrowing costs: How much does a longer term cost?

With each additional term, the instalment amount decreases – but the total cost increases. For example, CHF 25,000 at 5.8 %:

  • 36 months: Instalment: CHF 758; total interest costs: approximately CHF 2,300
  • 60 months: Instalment: CHF 481; total interest costs: approximately CHF 3,860
  • 84 months: Instalment: CHF 363; total interest costs: approximately CHF 5,480

Our tip: Choose an instalment that fits comfortably within your budget, and make additional repayments whenever your finances allow. Under the Consumer Credit Act, you are entitled to repay a loan early at any time, in which case you will only owe the interest accrued up to the date of repayment.

How much can I borrow based on my salary?

Under the Consumer Credit Act (KKG), banks check whether you would be able to repay the loan within 36 months without falling below the subsistence minimum under debt enforcement law – even if you yourself choose a longer repayment term. Among other things, rent, the basic allowance, health insurance, taxes and existing instalments are deducted from your net salary. You can work out the amount you can afford using the Budget calculator.

Computers suitable for your intended use

  • Financing a car: Instalments, residual value and lease comparisons on the page Car loan Switzerland.
  • Refinance an existing loan: Calculate your savings using the Redemption calculator.
  • Consolidating several loans: One instalment instead of many – offers via the Credit enquiry compare.

Frequently asked questions about the loan calculator

How accurate is the loan calculator?

The calculator provides a realistic estimate. The bank will determine your final interest rate once it has reviewed your documents.

How much credit can I afford?

Under the Consumer Credit Act, the loan must be repayable within 36 months without affecting your minimum subsistence level. You can calculate the limit using the Budget calculator.

Is it worth opting for a longer term?

A longer term reduces your monthly repayments and gives you greater flexibility. As you can make early repayments at any time – in which case you only owe the interest accrued up to the date of repayment – a slightly longer term often makes sense.

Will this calculation affect my credit rating?

No. The loan calculator is anonymous. Only when you submit a loan application to a bank will a credit check be carried out with ZEK and IKO.

How soon will I receive a firm quote?

Once the enquiry has been submitted in full to credXperts, usually within 24 hours.

What is the interest rate on a loan of CHF 50,000?

For a term of 60 months, the instalment is around CHF 962 (5.8 %) or CHF 988 (6.9 %). Over 84 months, it falls to around CHF 726 and CHF 752 respectively – but the interest costs then rise to around CHF 13,000.

Can I also calculate a loan of CHF 100,000?

Yes. In Switzerland, personal loans of up to CHF 250,000 are available, depending on your income and credit rating. For large amounts, we compare offers from several banks, as the differences in interest rates are most significant in such cases.

From the computer to the best deal

Do you know your preferred instalment amount? If so, we’ll get you the right quotes: Apply for a loan now – free of charge, with no obligation, rated 4.88 out of 5 stars.

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