Calculate your personal borrowing capacity based on income and expenses. Then decide whether you wish to apply.
Non-binding estimate, not a loan approval
Enter your income and main expenses. Additional questions appear only when they apply to you.
See what financing amount fits your details. The estimate is non-binding.
Adjust your loan request or discuss the next steps with us.
Effective annual interest rate, depending on your creditworthiness.
You can edit your details at any time.
Non-binding advice on your options.
budgetgroup.ch GmbH holds cantonal authorisation for credit brokerage.
View company detailsSelected customer reviews in their original language, from budgetcredit.ch.
Rent, health insurance, everyday costs: your budget is more than a loan payment. A few details show what remains for financing after your main expenses.
You can change amounts and compare different terms at any time.
Calculate my borrowing capacity
Your personal interest rate depends on your creditworthiness and the specific offer. We therefore show a range first. For budget planning, we calculate cautiously using its upper end.
The overview helps you plan. The lender carries out the final affordability assessment and determines your terms.
We use the documented basic living allowances for your canton. For taxes, we use your monthly provision. Withholding tax already deducted from net pay is not deducted again. You can review the calculation basis in your budget overview. If information is missing or your situation needs individual assessment, we do not show an automatically calculated amount.
For loans subject to the relevant Swiss Consumer Credit Act assessment, repayment must be mathematically possible within 36 months. This also applies to longer contractual terms. A lower monthly payment alone is therefore not enough.
Yes. You can correct your details and recalculate the overview at any time.
Situation, income and expenses: step by step to your non-binding estimate.
Enter your income and expenses to see your personal overview.
Enter budgetAfter your expenses and the basic living allowance.
Calculated cautiously at 9.95% annual interest.
Compare payments and interest costs for your financing capacity. The term changes the total interest costs and therefore the calculated financing capacity.
The calculation uses the recorded rules for your canton. The lender also checks your details and supporting documents. For loans within the relevant scope of the Swiss Consumer Credit Act, repayment over 36 months is also assessed.
View canton sourceYour budget overview does not replace the lender’s final assessment.
A non-binding indication, not a binding offer. Your personal interest rate and offer follow after assessment of your application and documents.
We answer your questions about payments, your budget and the next steps. Personally and without obligation.
Your budget details are not automatically sent to our advisers.
← Back to my budgetYour calculated capacity is a guide. Choose the amount you actually need.
Check the selection and adjust it if needed. Then complete the remaining application details.
Your application already contains a different value. Which would you like to use?
You can edit your details at any time.
Your budget is included. Complete the missing details, then review your application.
You can correct imported budget details here. The final credit assessment uses your supporting documents.
Check your loan request and personal details. You can edit each section again.
Our credit specialists advise you personally in several languages. We also welcome you at our office in Winterthur.
budgetgroup.ch GmbH
0800 55 55 00