Our website uses cookies and similar technologies. You can find more information in our Privacy policy. By continuing to use this website, you consent to the use of cookies and similar technologies.

Loan Budget Calculator – Best Finance
Anonymous & non-binding

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.

Your specialist for personal loans since 2004
5+ partner banks in direct comparison
Interest rates from 4.9% effective annual interest rate
No processing fees – 100% free
Calculate credit limit
Step by step – takes about 2 minutes
Step 1 of 5 20%
Personal Data
We will review your financial resources – anonymously and without obligation.
Income
Your monthly net income after all deductions.
Number of monthly wages
Annual net income: -
Annual amount ÷ 12
Monthly expenses
Basic needs and child costs are calculated automatically.
More information
Almost finished — just a few final details.
ℹ Note:
This calculation is based on the Swiss Consumer Credit Act (KKG) and serves as a preliminary guide. Actual loan approval depends on creditworthiness, ZEK score, and bank policies.
Almost there!
Enter your contact details to receive your credit limit.
🔒 Your data will be treated confidentially and will not be shared with third parties. The calculation is non-binding.
Your financial leeway
-
Your budget overview
Total revenue -
Basic needs & costs -
Taxes (withholding tax) -
Free budget / month -
Your inquiry in 2 minutes – start now!
Free & non-binding · No ZEK inquiry
🔄 Start new calculation
20+
Years of experience
since 2004
5+
Partner banks
in comparison
4.9%
Interest from
effective annual interest rate
CHF 0
Processing-
fees
KKG
Conform
Swiss law
It's that easy

Get your loan in 4 steps

From budget calculator to payout – fast, secure and personally supported.

1

Calculate budget

Enter your income and expenses into our budget calculator – anonymously and without obligation. No ZEK inquiry.

2

Apply for a loan

Submit your loan application online in just a few minutes. We compare offers from 5+ Swiss partner banks for you.

3

Secure the best offer

You will receive the most affordable offer – your personal advisor will guide you through the entire process.

4

Money in the account

Once the loan is approved, the amount will be transferred directly to your Swiss bank account – usually within a few days.

What does the budget calculator calculate for loans?

Best Finance's budget calculator determines, based on your personal financial situation, the loan amount you can obtain according to the Swiss Federal Budget Code. Consumer Credit Act (KKG) can afford it. It is the key tool before you apply for a personal loan.

What is taken into account?

  • Your monthly net income including 13th month salary
  • Basic legal needs allowance (depending on living situation & number of children)
  • Housing costs – rent or mortgage (your share)
  • Monthly health insurance premiums (all household members)
  • Alimony and maintenance payments
  • Transportation costs and meals at the workplace
  • Existing loan and lease obligations
  • Withholding tax (automatically calculated according to canton and marital status)
Important: KKG calculation ≠ subjective budget

Swiss banks strictly adhere to the Consumer Protection Act (KKG). The legally mandated basic allowance for a single person is CHF 1,100–1,200 per month (depending on living situation), and CHF 1,700 for couples including their partner. In addition, child costs are factored in at a flat rate of CHF 400 (under 10 years) or CHF 600 (11–25 years) per child per month.

How is the credit limit determined?

Your maximum loan payment is determined by your monthly disposable income after deducting all expenses. The calculation uses the annuity formula with a conservative reference interest rate. The result is intended as a preliminary guide.

The actual approved credit limit also depends on your Creditworthiness and your ZEK score as well as the bank's individual allocation guidelines.

Our partner banks

We compare the best Swiss banks

Best Finance arranges personal loans from leading FINMA-regulated Swiss banks – you benefit from the lowest interest rate without any extra effort.

Cembra
Money Bank
Bank Now
Corner
bank
bob
Finance
Migros
bank

All partner banks are FINMA-regulated and subject to the Swiss Consumer Credit Act (KKG). Maximum interest rate: 9.95% effective annual interest rate.

Frequently asked questions

Questions about the budget calculator & loan

Everything you need to know about credit limits and credit budgets in Switzerland.

How much credit you can get in Switzerland depends on your net income, your monthly expenses (rent, health insurance, existing obligations), your housing situation, and your marital status. According to the Consumer Credit Act (KKG), the monthly loan payment may not exceed a maximum amount that leaves you with sufficient funds for living expenses after deducting all costs. Use our budget calculator to calculate your personal credit limit instantly and free of charge.
A budget calculator for loans determines your maximum credit limit based on your income and expenses – in accordance with the legal requirements of the Swiss Consumer Credit Act (KKG). It takes into account net salary, housing costs, health insurance premiums, child expenses, alimony, taxes, and existing obligations. The result shows which monthly payment and loan amount are realistically affordable for you.
To apply for a loan in Switzerland, you will generally need: payslips for the last 3 months, a copy of your identity card or passport, an extract from the debt enforcement register, and information on any existing loans or lease agreements. Married individuals will also need their partner's payslip. Best Finance will guide you through the entire application process.
The legally mandated maximum interest rate for personal loans in Switzerland is 9.951 TW (effective annual interest rate). Best Finance brokers personal loans starting at 4.91 TW (effective annual interest rate) – depending on creditworthiness, loan term, and loan amount. A no-obligation comparison across several partner banks ensures you the best interest rate.
Yes. Our budget calculator is completely anonymous and non-binding. No credit check is performed, and no credit assessment is carried out. The result serves as an initial guide – a binding offer requires an official loan application with a full credit check.
The Credit line This refers to the maximum amount you could apply for based on your financial situation – calculated according to the Swiss Consumer Credit Act. Credit limit This is the amount actually approved by the bank, which depends on your creditworthiness, your ZEK score, and other factors. The credit limit shown in the budget calculator is an estimate; the actual credit limit may differ.
Best Finance GmbH is an independent Swiss loan broker based in Aarau (Bahnhofstrasse 67, 5000 Aarau) for German-speaking Switzerland and Lausanne (Av. d'Echallens 109, 1004 Lausanne) for French-speaking Switzerland. Operating since 2004, we arrange personal loans through leading Swiss partner banks and provide our clients with personalized advice in German, French, Italian, and Portuguese. Our services are free of charge.
Free & no obligation

Ready for your loan?

Request a free consultation now – no obligation, personal advice included, no processing fees, no risk.

Apply for a loan +41 (62) 823 08 03
No processing fees
FINMA-regulated partner banks
Personal consultation in German

Legal notice: The budget calculator provides a non-binding estimate of the possible credit limit and does not constitute a binding loan offer. The results do not replace an individual credit check by a bank. The effective annual interest rate is between 4.91 and 9.951, in accordance with the legal maximum (Art. 9 KKG). Credit will not be granted if it leads to over-indebtedness.

credit budget calculator couple
Close

Hello and welcome !

What loan amount may we offer you?

Ich benötige CHF

Desired amount

Interest calculator - 1
CHF
CHF
CHF
CHF

Monthly repayment from

CHF .-

Your total interest costs for a loan of CHF .- range between .- with an interest rate of 4.9% and CHF .- and with an interest rate of 9.95%. Credit and interest rates are based on creditworthiness. Note according to the law: Lending is prohibited if it leads to over-indebtedness (Art. 3 UWG)