grundheim.ch

Calculate the full Swiss tax burden (federal, cantonal, municipal, church, wealth tax) for a household in any of the 2122 Swiss municipalities, based on official ESTV tariffs.

Run the standard Swiss bank affordability stress test for a property purchase: imputed 5% interest, running costs, second-mortgage amortization, 33% gross-income limit.

Compare renting versus buying a Swiss home over a multi-year horizon: total costs, net worth in both paths, break-even year, tax effects (Eigenmietwert, deductions), and a verdict.

Analyze a Swiss pension fund (Pensionskasse) buy-in: immediate income-tax saving, capital withdrawal tax at retirement, and a net comparison against investing the same amount privately, including the 3-year blocking period check.

Get current or historical Swiss mortgage interest rates (SARON and fixed terms) across major banks and insurers, from grundheim.ch's daily rate comparison.

Get key facts for any of the 2122 Swiss municipalities: canton, district, population, postal code, and the cantonal/municipal income-tax multipliers.

Get current residential asking-price statistics (median CHF per m² and listing counts) from grundheim.ch's live market data — overall, and for a specific municipality when one is given.

Create a short, attributed link into grundheim.ch for the pages this tool can represent: a by-location tax calculator or Nebenkostenrechner, a municipality profile, the live mortgage-rate comparison, the mortgage calculator, or account registration.

Calculate the one-time Swiss tax (Kapitalbezugssteuer) on a lump-sum payout from a pension fund, pillar 3a or vested-benefits account, at the reduced separate tariff, for any municipality.

Calculate the one-time incidental purchase costs (Nebenkosten) of buying Swiss property: land-registry fee (Grundbuch), notary costs, and transfer tax (Handänderungssteuer).

Estimate the annual tax effect of the Swiss imputed rental value (Eigenmietwert) for an owner-occupied home: the imputed income added, minus deductible mortgage interest and maintenance, times the marginal tax rate.

Rank the municipalities within a Swiss canton by their tax multiplier (Steuerfuss / income tax rate), cheapest or most expensive first.

Get official Swiss burglary (Einbruch) statistics per 1,000 residents from federal police crime data: the all-canton ranking, or one canton in focus with its national rank.

Get the Swiss residential property price trend over time: the national BFS price index (annual, 2017 onward) and, for a Canton Zürich municipality, the local median sale-price time series for houses and apartments.

Judge whether a Swiss property's asking price is high or low for its location, by comparing it against other current asks in the same municipality (and, where official sold data exists — Zürich city and Geneva communes — against actual sale prices).