Omnium Calculators
Calculate the affordability of a mortgage with just a few clicks. Affordability and loan-to-value ratio are calculated based on the purchase price, your own funds, and your gross income. The calculator also provides answers to the following questions:
- What is the maximum purchase price?
- How much equity do I need?
- How high does my gross income need to be?
Perform a simple pension check for the risk cases of disability, death, and old age. This compares your pension income with your assumed pension requirements. The difference is shown as the pension gap or pension surplus.
After a quick entry with approximate values for calculating the AHV and BVG pensions (based on AHV scale 44 and BVG minimum), the result can be refined in a further step by entering detailed data.
This calculator allows you to easily check your pension. It compares your pension income with your living expenses in old age. If there is a shortfall, it calculates the capital required at retirement to close this gap. The necessary capital is compared with the assets available at retirement (disposable assets and pension assets). This gives you the capital requirement at retirement.
After a quick entry with approximate values for calculating the AHV and BVG pensions (based on AHV scale 44 and BVG minimum), the result can be refined in a further step by entering detailed data. The retirement age (early retirement) and the capital withdrawal from the pension fund (pension vs. capital) can be flexibly adjusted for simulation purposes.
Quickly and easily calculate the tax savings you can achieve by paying into pillar 3a. If the amount available for pillar 3a has not yet been exhausted, the calculator will show the additional potential tax savings.
With just a few clicks, you can calculate the taxes on capital payments from tied pension plans (pillars 2 and 3a) in any municipality in Switzerland.
By staggering your withdrawals cleverly, you can achieve tax advantages and significantly reduce your overall tax burden.
Quickly and efficiently calculate income and asset taxes for any municipality in Switzerland.
The calculator allows you to simulate a wide variety of scenarios, such as:
- Change of residence
- Change in income
- Change in life circumstances (marriage, change in number of dependent children)
This tax calculator allows you to calculate the tax burden in a specific income bracket and determine the marginal tax rate.
The marginal tax rate provides information about how much your tax burden changes when your taxable income increases or decreases by a certain amount.
This calculator shows you in just a few clicks whether it is worth paying off a mortgage or whether investing in securities makes more sense.
- What are the effective costs of a mortgage after taxes?
- What net return will you achieve with a securities investment after deducting income taxes?
- How big is the difference – and which option is more financially advantageous?
Determine potential tax savings through a pension fund purchase—quickly, easily, and tailored to the customer's situation.
The calculator shows you a direct comparison of how your tax burden changes with and without a purchase. This creates a transparent basis for decision-making for pension planning and tax optimization.
Calculate your savings goal based on an initial deposit, a periodic savings amount, the return, and the investment period. Compare different investment products and their returns with each other and find the right product for you. You can also calculate the savings period or savings amount if you know your savings goal.
How long will my existing capital last if I make regular withdrawals, taking into account the return and the desired remaining capital? Different investment strategies and their returns can be compared. You can also calculate how much you can withdraw or how much capital will remain after a defined period.
Request your free demo access now
Your demo access benefits
- Full access to all modules
- Simple and secure login process (no installation required)
- Personal guidance and support
- No obligation and free of charge
Your contact person
“With Omnium's demo access, you can easily test all the modules for free. I look forward to advising you.”
Sascha Schmid
Customer Success Executive, Digital Banking
+41 44 297 57 37
omnium-customerservice@netcetera.com
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