Interest calculator: loan, compound interest, savings goal

Monthly payment and interest cost of a loan, compound interest with a monthly saving and the saving needed for a goal, each with a yearly table.

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Frequently asked questions

Which interest rate should I enter?

The effective annual rate. Swiss consumer credit contracts must state it. The calculation uses the equivalent monthly rate, so an amount grows by exactly this rate in one year.

What is the difference between equal payments and equal repayments?

With equal payments (annuity) you pay the same each month; at first the interest share is large. With equal repayments (amortisation as with a mortgage) the debt falls by the same amount each month, the payment gets smaller over time and the interest cost is lower.

Are fees and taxes included?

No. Account fees, withholding tax on interest and inflation are not taken into account.

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