Buy vs Rent CH
Is buying a home better than renting in Switzerland? An actuarial calculator comparing renting and owning on a like-for-like basis — including taxes, mortgage costs, and the opportunity cost of your down payment.
- Full Swiss cost breakdown — mortgage interest, Nebenkosten, maintenance & amortisation
- Opportunity cost — compares buying vs. investing your down payment in stocks
- Eigenmietwert tax — the uniquely Swiss imputed rental value, modelled precisely
- Net worth projection — track your wealth trajectory under both paths
- Stress-test — adjust rates and returns to find your personal break-even
Design by Actuary Explains · iOS development by Edgar Flores Parra
SmartPensionApp — Pillar
Master your Swiss 2nd pillar pension in minutes. A dedicated calculator for voluntary buy-in decisions — showing exactly how each contribution affects your retirement capital and current-year tax bill.
- 2nd Pillar buy-in calculator — model voluntary contributions and their long-term retirement impact
- Tax savings — see exactly how much you save in cantonal and federal taxes
- Pension projection — estimate your retirement capital, annual pension and lump-sum options
- Break-even analysis — find out precisely when your buy-in pays off
- 100% offline & private — all calculations run on-device, no data ever leaves your phone
Design by Actuary Explains · iOS development by Edgar Flores Parra
Both apps are built by Actuary Explains — independent, actuarial-grade tools for Swiss personal finance. They collect zero personal data, run completely offline, and are designed to give you the same clarity a qualified actuary would bring.
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