Calculate credit limit – How much credit can I get in Switzerland?

Wondering how much credit you can get? Are you curious about the factors that influence your credit line? Find all the answers here! Our expertise and user-friendly tools make the process of calculating credit limits transparent and simple. Whether you want to realize your dream of a new car, need to cover an unexpected expense or simply want to explore your financial options, you’ve come to the right place. Let us determine your credit limit together and pave your way to more financial leeway!

Calculate your credit limit – with our credit budget calculator

Your expected credit limit:

Basics of the credit line

Definition and importance of the credit line

Woman calculates loan with calculator and laptop

The credit limit defines the maximum amount you can borrow. It is a decisive factor for your financial flexibility and planning. In Switzerland, various factors play a role in determining the credit limit, such as your income, your expenses and your creditworthiness. An appropriate credit line enables you to achieve your financial goals without the risk of over-indebtedness.

How is the credit limit determined?

The credit line is determined on the basis of a careful analysis of your financial situation. In Switzerland, according to the Consumer Credit Act it must be ensured that you are able to repay the loan within a maximum of 36 months. Factors such as your monthly net income, your regular expenses and existing credit obligations are taken into account. Banks and lenders use special calculation models to determine your individual credit limit, whereby your personal creditworthiness plays a key role.

Calculate credit limit: A step-by-step approach

How is the credit limit calculated?

Calculating your credit limit in Switzerland is a systematic process based on a detailed analysis of your financial capacity. Key aspects are your income, your monthly expenses and your credit rating. This approach ensures that the loan amount granted is realistic and repayable within the legally prescribed 36 months.

These monthly costs must be taken into account when calculating the credit limit

Various monthly costs must be taken into account when calculating your credit limit. These include:

Basic requirements

The basic needs cover all your necessary living expenses. This includes expenses for food, clothing, healthcare and other daily necessities. These costs vary according to lifestyle, but a realistic average value is used for the credit limit calculation. It is important that you have a realistic overview of these expenses so that you can calculate your credit limit accurately.

Housing costs

Housing costs are a significant part of your monthly budget. This includes your rent or mortgage payments as well as ancillary costs such as heating, electricity and water. These costs are included in the credit limit calculation as they show how much of your income is already being spent on basic housing needs.

Health insurance premiums

In Switzerland, health insurance premiums are a fixed monthly expense. These premiums vary depending on the insurance plan and provider. When calculating your credit limit, lenders take these regular payments into account as they have a direct impact on your disposable income.

Costs for the journey to work

Regardless of whether you use public transportation or drive a car: The cost of traveling to work must be factored into your budget. This includes expenses for gasoline, train tickets or general vehicle maintenance. These regular costs can have a significant impact on your disposable income.


If you make maintenance payments, these play an important role in determining your credit limit. Alimony is a legally binding expense for ex-partners or children that is taken into account by the lender when calculating your disposable income.


Your annual tax payments are also taken into account. This includes income tax and other relevant levies. These necessary expenses reduce your disposable income and therefore affect the amount you can borrow.

Current obligations (e.g. leasing or loan installments)

Your current obligations include all existing debts or regular payments, such as leasing installments for a car or other loans. This also includes all other charges or payments that are foreseeable in the budget. These payments are deducted from your monthly disposable income as they directly affect your ability to repay a new loan.

These factors are combined to calculate your monthly available funds, which are then used to determine the maximum credit limit. It is important to provide honest information here.

How much credit do I get? Comprehensible explanations

Which credit line for which income?

Many borrowers in Switzerland are concerned with the question of what credit limit is possible with a certain income. In general, the higher the regular income, the higher the potential loan installment and therefore the higher the credit limit. However, your monthly expenses and financial obligations are also taken into account. A higher income does not automatically mean a significantly higher credit limit if there are high expenses at the same time.

How much credit can I afford in Switzerland?

To determine how much credit you can afford in Switzerland, it is important to make a realistic assessment of your monthly income and expenses. A key aspect is the ability to repay the loan within the statutory period of 36 months. Consider not only your current income and expenses, but also potential future changes such as salary increases or unforeseen expenses.

Sample calculations for different income levels

To give you a clearer idea of how your income and expenses affect your credit limit, here is a table with sample calculations for different income levels:

Income levelNet income per month (CHF)Estimated monthly expenditure (CHF)Possible credit line (CHF)
Low income3.0001.50054.000
Medium income5.0002.50090.000
High income8.0004.000144.000

This table serves as a guide and shows how the ratio of income to expenditure influences the possible credit line. It is important to emphasize that these values are examples and the actual credit limit is calculated individually, based on your personal financial situation and creditworthiness.

Credit budget calculator: your tool for credit planning

Presentation of the credit budget calculator

Calculator and credit calculations on one table

Our credit budget calculator is a powerful tool specifically designed to give you an accurate estimate of your potential credit limit. This user-friendly tool takes into account all relevant factors such as your income and monthly expenses, including all necessary sub-categories. With the credit budget calculator from you can quickly and easily find out how much credit you can potentially take out, which will give you a good initial indication and help you make your decision.

How the credit budget calculator helps you understand your credit limit

The credit budget calculator is not only a simple calculation tool, but also a guide through the world of credit options. He will help you:

  1. understand your financial scope: By entering your personal details, you get a clear overview of your credit options.
  2. Simulate different scenarios: You can run through different income and spending scenarios to see how they affect your potential credit limit.
  3. Make an informed decision: With the information provided by the calculator, you can make an informed decision about whether and how much credit you should take out.

Use the credit budget calculator to create a solid basis for your credit decisions and take the next step in your financial planning with confidence and clarity. In the next step, you can then use our loan calculator to determine the specific conditions of your maximum possible loan.

Increase your credit line: Tips and tricks

Strategies for increasing your credit line

Increasing your credit line can give you more financial flexibility and scope for larger purchases or investments. Here are some effective strategies to increase your credit line:

  1. Improving your credit rating: A good credit rating is crucial. You can improve this by paying your bills on time and reducing existing debts.
  2. Prove regular income: A stable and regular income signals to lenders your ability to meet additional credit obligations.
  3. Reduce your existing debts: By reducing your current debts, you show that you are dealing with credit responsibly.
  4. Updating your financial information: Keep your financial information current with lenders, especially as your financial situation improves.
  5. Reduce monthly expenses: Reducing your monthly expenses can increase your financial leeway and thus have a positive impact on your credit limit.
  6. Increase monthly income: Additional income, whether from a second job, overtime or other sources of income, can increase your credit limit as it improves your ability to repay. Alternatively, you can also take out a take out a loan for two .

By applying these strategies, you can increase your financial flexibility and thus qualify for a higher credit limit, up to your maximum amount.

The importance of creditworthiness and how to improve it

Creditworthiness plays a key role in determining your credit limit. It is based on your credit history, your current debt level and your payment behavior. Achieving and maintaining a good credit rating is essential in order to obtain better credit terms. This includes:

  • Punctual payments: Make sure you pay your bills and existing loan installments on time.
  • Debt management: Keep your debt burden low and avoid using up all your credit card limits.
  • Check credit reports: Regularly check your credit reports for errors and make sure all information is correct.

By improving your credit rating, you can not only increase your credit limit, but also achieve better interest rates and credit terms.

Credit check: an indispensable component

Why is a credit check important?

The credit check (see also Creditworthiness check ) is an essential step in the lending process in Switzerland. It must be carried out before a loan is taken out and serves to minimize the risk for lenders and ensure that borrowers are able to meet their obligations. A thorough check of your creditworthiness helps lenders to decide whether to grant you a loan and on what terms. For borrowers, the credit check offers the certainty that they are not exposing themselves to insurmountable financial obligations, even if a maximum loan amount is taken out.

What does the credit check involve?

The credit check comprises various elements:

  1. Credit history: Your previous credit history, including all loans taken out and their repayment behavior, is analyzed.
  2. Current debt level: The system checks how high your current debts are and whether you already have other credit obligations.
  3. Income and assets: Your income and assets are assessed to determine your ability to repay.
  4. Payment history: Regular payments and any defaults in the past are looked at to assess your reliability as a borrower.

This thorough vetting process ensures that lenders lend responsibly and borrowers receive a loan that matches their financial means.

Summary: Calculate and use your credit line wisely

At the end of our comprehensive guide, it is important to summarize the key points you should consider when calculating and using your credit line in Switzerland:

  1. Understand your financial situation: A precise knowledge of your income, expenditure and existing obligations is crucial for the correct calculation of your credit limit.
  2. Use the credit budget calculator: This tool provides you with a detailed insight into your credit options and helps you to simulate realistic credit scenarios.
  3. Be aware of the importance of your credit rating: A good credit rating is decisive for the granting of a loan and the amount of the credit line. Maintain your credit rating by managing your finances responsibly.
  4. Consider ways to increase your credit limit: this includes improving your credit rating, reducing your outgoings, increasing your income and reducing existing debt.
  5. Understand the role of the credit check: A thorough credit check protects both borrower and lender and ensures that the loan granted is realistic and repayable.

With these considerations in mind, you are well equipped to calculate and use your credit line wisely and responsibly. Remember that credit is a tool that, if used correctly, can help you achieve your financial goals.

Find the optimal loan

Finally, we would like to encourage you to take full advantage of the possibilities offered by Use our tools, information and resources to find the best loan for your needs. Whether you’re financing a new car, dealing with an unexpected event or simply exploring your financial options, our goal is to help you along the way. Simply contact us by e-mail ( ) or start your online loan application directly on our website and take the first step towards more financial freedom!