This calculator helps you make an informed decision about whether to rent or buy property in Switzerland. To ensure a fair comparison, both scenarios use the same monthly budget. Any surplus after paying housing costs (whether rent or mortgage) is automatically invested, allowing you to compare the total net worth built over time in each scenario.
Learn more about the methodology →Enter your property price and monthly rent for comparison
Set your monthly budget (what you can spend on housing + investments after other expenses, e.g., CHF 3,000)
Adjust advanced parameters like mortgage rates, appreciation, and growth rates (optional)
Click Calculate to see a comprehensive comparison of buying vs renting over time
Your monthly budget is the total amount you can allocate towards housing and investments after paying for other living expenses. For example, if you earn CHF 8,000/month and spend CHF 5,000 on food, transport, insurance, etc., your housing budget is CHF 3,000. From this budget, you pay either rent or mortgage costs (including maintenance and taxes for buying). Any remaining surplus is automatically invested, building your portfolio over time. The Budget Increase Rate reflects how this amount grows annually, typically matching salary growth (2-3%).