Calculators
Loan calculator
What a loan costs each month and in total. No name or ID needed.
Interest rate a year3 %Fixed for the whole term, the same for every loan. Effective annual rate about 3.04 %.
Next: the six steps, starting with these figures. No personal data asked.
Interest rate 3 % a year, fixed for the whole term and the same for every loan.
Your figures: monthly payment
Enter an amount and a term.
CHF 846.94
| Monthly payment | CHF 846.94 |
|---|---|
| Total interest | CHF 163.25 |
| Total to repay | CHF 10’163.25 |
| Share that is interest | 1.6 % |
| Interest rate a year | 3 %, fixed |
| Effective annual rate | 3.04 % |
Month by month
Repayment table
Every monthly payment, from the first month to the last. Each row shows how much goes to interest, how much repays the loan and what you still owe after it.
| Month | Instalment CHF | Interest CHF | Capital repaid CHF | Balance CHF |
|---|---|---|---|---|
| 1 | 846.94 | 25.00 | 821.94 | 9’178.06 |
| 2 | 846.94 | 22.95 | 823.99 | 8’354.07 |
| 3 | 846.94 | 20.89 | 826.05 | 7’528.02 |
| 4 | 846.94 | 18.82 | 828.12 | 6’699.90 |
| 5 | 846.94 | 16.75 | 830.19 | 5’869.71 |
| 6 | 846.94 | 14.67 | 832.27 | 5’037.44 |
| 7 | 846.94 | 12.59 | 834.35 | 4’203.09 |
| 8 | 846.94 | 10.51 | 836.43 | 3’366.66 |
| 9 | 846.94 | 8.42 | 838.52 | 2’528.14 |
| 10 | 846.94 | 6.32 | 840.62 | 1’687.52 |
| 11 | 846.94 | 4.22 | 842.72 | 844.80 |
| 12 | 846.91 | 2.11 | 844.80 | 0.00 |
| Total | 10’163.25 | 163.25 | 10’000.00 | 0.00 |
- Our interest rate is 3 % a year for every loan, fixed for the whole term: an effective annual rate of about 3.04 %.
- This is an example, not an offer. Your offer shows your own figures before you sign.
- Rows count months, not dates. Real dates depend on the day the money is paid out, so you see them in your offer and in your loan account.
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Definitions
How to read these figures
The rate. An interest rate of 3 % a year for every loan, fixed for the whole term. The effective annual rate is about 3.04 %, and the calculator shows it for your amount and term.
- Monthly payment
- The same each month; the last can differ slightly, by at most CHF 0.75, so the loan ends at exactly zero.
- Total interest
- The loan’s cost.
- Total to repay
- The amount plus interest.
- Effective annual rate
- The yearly cost of the credit in percent, worked out by the formula the law sets. It is a little above 3 % because you pay interest every month, not once a year.
Representative example
As of 14 October 2026
- Amount and term
- CHF 10’000 over 12 months
- Interest rate
- 3 % a year, fixed
- Effective annual rate
- 3.04 %
- Monthly payment
- CHF 846.94
- Total interest
- CHF 163.25