# Our calculators for your finances.

Our calculators make assessing and optimizing your personal financial situation easier. We will be happy to help you in interpreting the results and implementing changes.

## Budget and Savings

 Budget planner Draw up a personal budget taking account of your household's size, tax burden and social security contributions. Achieving a savings target How much money do you have to save regularly in order to reach a specified savings target? Financing regular expenditure How high can regular expenditure be if it is to be financed by saved capital for a specified period? Expenditure period from saved capital How long can regular expenditure be financed by saved capital? Calculation of taxes and the marginal tax rate Calculate your taxable income for cantonal and federal taxes, the total taxes due and your tax bracket. You can also calculate the total taxes due if your income should increase or decrease.

## Pillar 3a

 Tax savings with pillar 3a There are considerable tax advantages with the restricted pension plan (pillar 3a) as the contributions can be deducted from taxable income. Calculate your own personal tax advantages with pillar 3a! Capital saved with pillar 3a Calculate the net return (after taxes) of the pillar 3a that you will save until payout. For comparison, three average returns of the 3a investment can be selected. Tax payable on pillar 3a lump sum payment A single tax is imposed when the column 3a capital is paid out. The payment is taxed separately from other income at a lower tax rate. Calculate the tax accumulating on the forthcoming payment of your capital and, by way of comparison, the tax burden in two other municipal authorities selected by you.

## Pillar 2

 Tax implications of transfer into a pension fund Subject to certain legal restrictions, pension fund purchases are fully deductible from your taxable income. Let us show you just how much tax you can save by making one. Tax payable on pillar 2 lump sum payment At the start of the payout of second pillar capital, a one-off tax charge will apply. Calculate the taxes on your forthcoming capital and by way of comparison observe what the tax rate would be in two additional municipalities of your choice.

## Real Estate

 Tax implications of changing your place of residence Compare what the tax burden would be in various municipalities. Purchase or rental of property The calculation shows how high the maximum purchase price of the property may be for the after-tax costs (mortgage rate, ancillary costs and maintenance, as well as any obligatory annual amortization) to be equal to the rent you currently pay. Now you can decide what kind of financing you prefer (the ratio of equity to first and second mortgage). Mortgage calculator By entering your equity and gross annual income into the mortgage calculator, you can find out whether or not you are currently able to afford your own home.

## Retirement planning hotline

0800 002 983*

Monday to Friday, 8.00 a.m. to 6.00 p.m.

* Toll-free number. Exceptions: some telecommunication providers may charge if calls are made from a mobile phone, a telephone booth, or from abroad.