Housing
Buy or rent abroad? Comparing with staying in Switzerland
Buying a home abroad ties up capital in one place and one currency. How to compare buying, renting abroad and staying in Switzerland, and the hidden costs.
You need less than you think.
How much is enough?
Find the age you could stop needing to work. Built for Swiss pensions, taxes and francs.
Estimates for planning, not advice. Use at your own risk. Read the full disclaimer
What moves your date
Three levers
Computed with the calculator’s default plan: 35 years old, CHF 4’000 spending and CHF 3’000 saved a month.
Spend less
1.6 years earlier
CHF 500 less a month: independent at 45 instead of 47.
Save more
1.1 years earlier
CHF 500 more saved a month: independent at 46 instead of 47.
Start earlier
4.3 years earlier
The same plan started at 30 instead of 35: independent at 42 instead of 47.
Free tools
One question, one minute
- FIRE numberHow much you need to live from your savings, with and without pensions.
- Savings rate and years to FISee how your savings rate decides how many years you still work.
- Pillar 3a calculatorTax saved each year, balance at withdrawal and the gain over taxed investing.
- AHV for early retireesWhat you still pay into AHV after you stop working, until 65.
- Coast FIREHave you saved enough to stop saving and let growth do the rest?
- Withdrawal rateHow long your savings last at a given withdrawal rate, and after a bad start.
- Compound interestWatch a starting amount and monthly savings grow, and what fund costs take.
- The real cost of a habitA daily coffee or a subscription, as money invested and months of freedom.
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