Calculate your final capital, the savings amount you need or the time it takes to reach your savings goal. You enter the initial deposit, savings amount, term and interest rate.
You see the result straight away as a chart and a table showing deposits, interest earned and final capital.
At the top right, choose whether you want to calculate the final capital, the required contributions or the term.
Enter the term, initial deposit, monthly or annual savings amount and the interest rate. With an interest rate of 0%, the calculation runs without interest.
The chart and table show deposits, interest earned and final capital. If needed, discuss the result with an advisor.
Assumptions: no initial deposit, CHF 300 monthly savings, interest rate of 2.00% per year. The figures come from the savings calculator above. The interest rate is an example, not a forecast.
There are several ways to save. They differ in availability, taxes and risk. The overview describes how they work and gives no expectation of returns.
The savings calculator works with constant assumptions: the same savings amount and the same interest rate over the whole term. In practice, interest rates change, and so do your opportunities to save.
Taxes, fees and inflation depend on your situation. To estimate how much you have left to save after tax, use the tax calculator. Treat the result of the savings calculator as a guide for your planning.
Before you set long-term savings goals, it is worth building a reserve for unexpected expenses. Your budget shows how much you can put aside each month: the budget calculator and our guide to budget planning help you with this.
That depends on your savings goal, the time you have and your budget. In the calculator, choose "Contributions", enter your goal and term, and you see the savings rate you need. Plan it so that your everyday life stays financed. You can clarify your budget with the budget calculator.
With compound interest, interest earned is added to the balance and then earns interest itself. The effect grows with the term: in the example above, interest earned is CHF 3'846 after 10 years and CHF 39'627 after 30 years, with the same savings amount. With an interest rate of 0%, the calculator works without interest.
Saving and investing serve different purposes. A savings account suits reserves and short-term goals because the money stays available. Investments involve opportunities and risks: their value fluctuates, and you may get back less than you paid in. More on this at smzh Invest. We are happy to work out with you which mix fits.
The calculator works with a fixed interest rate and constant deposits. It does not show taxes, fees or inflation. The result is therefore a guide for your planning.
We look at saving in the context of your budget, your pension provision and your goals. With the pension analysis and in conversation, we show possible paths so that you can make informed decisions.
Our advisors help you put your result into context. The first conversation is always free of charge and without obligation.
These pages help you plan further. You will find all financial calculators in the calculator overview.
Income and expenses at a glance.
Estimate your tax burden.
How pillar 3a contributions affect your taxes.
Plan early, relax later.
Discuss your result in a non-binding conversation. We look forward to it.
As of 05.10.2026. The savings calculator provides guide values and does not replace advice. The interest rate in the worked example is assumed and is not a forecast of performance. Past performance is not a reliable indicator of future results.