EuroCalc

Mortgage Calculator

This mortgage calculator estimates your monthly payment, total interest and full amortization schedule. Example: a CHF 800,000 property with 20% down at 2.5% over 25 years yields a monthly payment of around CHF 2,870 and roughly CHF 220,000 in total interest.

Monthly payment
CHF 2'871
Total interest
CHF 221'344
Total cost
CHF 861'344
Principal vs interest
Principal · CHF 640'000
Interest · CHF 221'344
Loan amount: CHF 640'000
Amortization (first 12 months)
MonthPaymentPrincipalInterestBalance
1CHF 2'871CHF 1'538CHF 1'333CHF 638'462
2CHF 2'871CHF 1'541CHF 1'330CHF 636'921
3CHF 2'871CHF 1'544CHF 1'327CHF 635'377
4CHF 2'871CHF 1'547CHF 1'324CHF 633'829
5CHF 2'871CHF 1'551CHF 1'320CHF 632'279
6CHF 2'871CHF 1'554CHF 1'317CHF 630'725
7CHF 2'871CHF 1'557CHF 1'314CHF 629'168
8CHF 2'871CHF 1'560CHF 1'311CHF 627'607
9CHF 2'871CHF 1'564CHF 1'308CHF 626'044
10CHF 2'871CHF 1'567CHF 1'304CHF 624'477
11CHF 2'871CHF 1'570CHF 1'301CHF 622'907
12CHF 2'871CHF 1'573CHF 1'298CHF 621'333

How to use this calculator

  1. 01Enter the property price in your local currency.
  2. 02Set your down payment as a percentage of the price.
  3. 03Add the nominal annual interest rate offered by your lender.
  4. 04Choose the loan term in years to see your monthly payment.
★ Key takeaways
  • •Monthly payment uses the standard annuity formula.
  • •A larger down payment reduces both the monthly cost and total interest.
  • •Shorter terms mean higher monthly payments but far less interest paid overall.
  • •In Switzerland, lenders typically require at least 20% equity.

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