Standard online calculators fail in Switzerland because they ignore our unique tax system. "Buy vs Rent CH" is a native iOS app built exclusively for the Swiss market. It accurately calculates the Eigenmietwert (imputed rental value), the true opportunity cost of ETF investments versus a 20% down payment, and mandatory 2nd mortgage amortization rules. Stop guessing with generic spreadsheets and start making data-driven real estate decisions based on actual Swiss financial law.
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Maker
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Hi Product Hunt 👋,
Anyone who has ever tried to buy property in Switzerland knows the math is incredibly frustrating.
Generic "rent vs. buy" calculators simply do not work here. They completely ignore complex local laws like the Eigenmietwert (a tax on the fictional rental value of your own home), strict amortization rules, and the heavy opportunity costs of locking up massive down payments instead of keeping them in the market.
I built Buy vs Rent CH to solve this exact problem. It’s a dedicated iOS tool that handles the heavy lifting of Swiss real estate tax logic so you don't have to build a fragile, multi-tab Excel model.
I’d love for the PH community (especially any Swiss expats or locals!) to stress-test the app, play with the ETF opportunity cost variables, and let me know what you think.
Happy to answer any questions about the math, the app's architecture, or the Swiss housing market below!