Credit Budget Calculator –
How much credit
I get?
Calculate your personal credit limit in just a few minutes – compliant with the German Credit Protection Act (KKG), without a ZEK inquiry, free of charge.
From credit limit to inquiry in 4 steps
First, calculate your potential credit limit. If the result suits you, you can then submit a non-binding loan application.
Calculate credit limit
Enter your income and main expenses into our budget calculator – free of charge and without obligation. No ZEK inquiry will be made for the budget calculation.
apply for credit
If the calculated credit limit meets your requirements, you can complete your loan application online.
Compare offers
We will review the offers available from our partner banks that are relevant to your situation. Your personal advisor will assist you with this process.
Loan after approval
If the loan is approved by the bank and the legal requirements are met, the payment will be made in accordance with the agreed loan agreement.
What does the budget calculator calculate for loans?
Best Finance's budget calculator calculates a possible credit limit based on your personal financial situation, according to the Swiss regulations. Consumer Credit Act (KKG).
The result serves as an initial guide and shows which loan amount may be possible based on the entered income and expenses.
What is taken into account?
- Your monthly net income including a pro-rata share of the 13th month salary
- Basic needs according to the calculation logic
- Housing costs – rent or mortgage
- Monthly health insurance premiums
- Alimony and maintenance payments
- Work-related transport and meal expenses
- Existing loan and lease obligations
- Withholding tax, if applicable to your situation
The calculated credit limit is for initial guidance only. A binding credit decision will only be made after the respective bank has fully reviewed your information and creditworthiness.
How is the credit limit determined?
Your assessable income will be reduced by the expenses and obligations relevant for the creditworthiness assessment. This determines the available financial resources used to calculate a potential loan payment.
The actual approved credit limit may differ from the calculated credit limit. It depends, among other things, on your creditworthiness, existing obligations, and the lending guidelines of the respective bank.
Simplified example for illustrative purposes. The result is not a loan commitment. The actual credit limit and terms will be determined by the bank's individual assessment.
We compare offers from our Swiss partner banks.
Best Finance compares the available loan offers from various Swiss partner banks for you – tailored to your personal situation and creditworthiness.
Money Bank
bank
Finance
bank
bank
Credit offers according to the Swiss Consumer Credit Act (KKG) · Effective annual interest rate 4.9% to 9.95% · depending on creditworthiness, loan amount, term and bank review.
Questions about the loan budget calculator
Answers to frequently asked questions about credit limits, budget calculations and personal loans in Switzerland.
How much credit can you afford?
Calculate your potential credit limit. The budget calculation is free and non-binding and is carried out without a ZEK inquiry.
Representative calculation example
Example of a personal loan of CHF 10,000 with a term of 12 months. The range shows the calculation at an effective annual interest rate of 4.9% or 9.95%.
| Credit amount | CHF 10'000 |
|---|---|
| Duration | 12 Monate |
| Effective annual interest rate | 4.9 % – 9.95 % |
| Monthly instalment | ca. CHF 856.– bis CHF 879.– |
| Total repayment | ca. CHF 10'267.– bis CHF 10'547.– |
| Total cost of the loan | ca. CHF 267.– bis CHF 547.– |
| Processing and brokerage fees | CHF 0.– |
The actual interest rate depends on the loan amount, term, creditworthiness and the individual assessment by the respective partner bank.
The result of the budget calculator does not constitute a loan commitment. A binding loan decision will only be made after a complete review by the lending bank.
Legal notice: Lending is prohibited if it leads to over-indebtedness (Art. 3 UWG). Consumer loans are subject to the legally stipulated right of withdrawal after conclusion of the contract. Creditworthiness assessments are carried out in accordance with the Swiss Consumer Credit Act and the respective lending guidelines of the issuing bank.