Calculate redemption amount – use online calculator and redeem loan

Would you like to repay an existing loan early to save interest? – With our calculator, you can easily calculate the repayment amount based on the original key data of the loan so that nothing stands in the way of your loan repayment.

Determine the redemption amount with our loan redemption calculator

>> Would you like to pay off your existing loan with the help of a new, more favorable loan (debt restructuring) instead of using your own funds? – We can help you get the best loan for this!

Basis of the transfer fee

What is the transfer fee?

In Switzerland, the redemption amount corresponds exactly to the remaining debt on your loan. This means that the redemption amount is equal to the total debt less the repayments already made. Since borrowers in Switzerland always have the right to repay a loan early, no further interest is charged when the loan is repaid. There are no fees or early repayment penalties for the bank for personal loans, as is the case in other countries such as Germany (in Switzerland only for mortgages). This makes the early repayment of a personal loan in Switzerland particularly straightforward, as the repayment amount is easy and transparent to calculate and contains no hidden costs.

Advantages of early loan repayment

Early loan repayment offers significant advantages, particularly in terms of financial savings and flexibility:

Loan repayment
  1. Interest savings: By repaying your loan early, you save interest that would have accrued over the remaining term. This can amount to a considerable sum, especially with a high loan amount, high interest rates and longer terms.
  2. Immediate debt reduction: You reduce your total debt immediately, which reduces your monthly financial burden as the loan installment is eliminated.
  3. Improved credit score: Paying off a loan early can boost your credit score as it shows that you are able to manage your debt responsibly. This puts you in a better position for potential new loans.
  4. Increased financial flexibility: After repaying the loan, you have more financial resources available for other expenses or investments.
  5. Psychological benefit: The feeling of being debt-free can have a positive impact on your quality of life and contribute to a more stress-free lifestyle.

These advantages make early loan repayment an attractive option for borrowers who want to improve their financial situation.

Loan repayment calculator: a useful tool

How does the loan repayment calculator work?

The repayment calculator is an efficient online tool that helps you to determine the remaining debt on your loan quickly and easily. You simply enter the original loan amount, the interest rate and the start date of your loan, as well as the amount of the monthly installment. The calculator processes this information and shows you the current remaining debt – your redemption amount. This process saves you time and ensures that you receive an accurate and transparent calculation of your transfer fee.

Using the calculator to optimize your finances


The transfer fee calculator is not only an instrument for calculating your transfer fee, but also a strategic tool for financial planning. Here are some ways in which you can use the calculator:

  1. Compare different scenarios: You can experiment with different repayment plans to see how quickly you can pay off your loan you can pay off your loan.
  2. Financial decision-making: The calculator helps you to assess whether it makes financial sense to pay off your loan now or at a later date.
  3. Long-term financial planning: By knowing your potential transfer fee, you can plan better and possibly better align other financial commitments or investments.

With the loan repayment calculator, we give you the control and transparency you need to make smart decisions about your loans.

Calculate loan repayment: step by step

How is the transfer fee calculated?

The calculation of the transfer fee is a direct and straightforward process in Switzerland. It corresponds to the remaining debt on your loan, i.e. the total amount of your loan minus the repayments already made. To determine this sum, you must follow the steps below:

  1. Determine the original loan amount: This is the amount you took out at the start of your loan agreement.
  2. Deduct the repayments already made: The monthly payment for an installment loan always includes part repayment and part interest. You may only deduct the repayment portion from the original loan amount.
  3. The remaining sum is your redemption sum: this is the amount you have to pay to redeem your loan in full.

Example calculations and scenarios

Let us illustrate this with an example:

  • Let’s assume you have taken out a loan of CHF 50,000.
  • Over the years, you have repaid a total of CHF 20,000 (repayment only! With interest, you will of course have paid back more to the bank by then).
  • Your transfer fee would then be CHF 50,000 – CHF 20,000 = CHF 30,000.

It is important to note that in Switzerland no additional fees or penalties (early repayment penalty or similar) may be charged for the early repayment of a loan. This makes it particularly attractive to repay loans early and thus save interest.

Repaying a loan early: Process and implications

What happens to interest in the event of early loan repayment?

If you decide to repay your loan in Switzerland early, no further interest will be charged from the date of repayment. Since the interest was included in the installments already paid and the redemption amount only represents the remaining debt, all interest obligations are fulfilled with the redemption. This leads to direct interest savings, as you do not have to pay interest for the originally agreed term of the loan in accordance with the original repayment plan.

Is it possible to pay the remaining debt in one go?

Debt saying written on the wall

Yes, in Switzerland it is regulated by law that you have the right to repay your loan early at any time. This means that you have the option of settling your entire remaining debt in a single payment. This can be particularly useful if you have the necessary funds and want to take advantage of the interest savings.

However, in agreement with the lender, you can also repay only part of the remaining debt with a one-off special payment.

>> Click here for the credit budget calculator.

Review of the loan agreement: Important aspects

Before you repay your loan early, it is important to check your loan agreement carefully. Pay attention to:

  • The exact conditions for early repayment.
  • The calculation method for the residual debt.
  • Possible administrative steps required for the replacement.

In Switzerland, loan agreements are generally formulated clearly and comprehensibly due to the transparent legal situation, which makes the decision and the process of early loan repayment easier for you. However, if you have any questions about your existing loan, we will be happy to help you as part of our free advisory service. Simply send an e-mail to and we will get back to you as soon as possible.

What is an early repayment penalty?

In many countries – such as Germany – borrowers have to pay a prepayment penalty if they repay their loan before the agreed end date. This fee serves to compensate the bank for the loss of interest. However, this is different in Switzerland, where there is no early repayment penalty. Borrowers in Switzerland have the right to repay their loan early at any time without additional costs.

Conclusion: Optimize your finances by paying off your loan wisely

Early loan repayment in Switzerland offers an excellent opportunity to optimize your finances and increase your financial freedom. Without the burden of early repayment penalties and with the option of paying off your remaining debt at any time, you have enormous flexibility in your hands. This enables you to make strategic decisions that can have a positive impact on your financial future.

Important takeaways

  • Interest savings: By repaying the loan early, you save interest, which can lead to considerable financial savings.
  • Simple process: Thanks to the clear legal regulations in Switzerland, the loan repayment process is straightforward and transparent.
  • More financial freedom: Repaying a loan gives you more leeway in your budget and allows you to invest your money in other important projects or investments.

Closing words

As an independent credit comparator for Switzerland we pride ourselves on giving you the tools and information you need to make smart decisions about your loans. Our Loan Repayment Calculator is a simple but powerful tool to help you see your financial options clearly and make the best possible decisions for your financial future.

By the way: If you would like to take out a new loan to pay off your existing one as part of a debt restructuring, we are also happy to be your contact for this! If a loan was taken out during a period of high interest rates, it may make sense to refinance it today at more favorable interest rates.