8 %over the period
Invested capital25'000 CHF
Gross interest2'000 CHF
Gross interest
Capital × annual rate ÷ 100 × number of months ÷ 12.
Simulation tool
Real estate return calculator
Estimate the gross interest on a simple-interest loan using the invested capital, annual rate and duration in months.
Results are provided for information only and constitute neither a performance guarantee nor an assessment of a property's rental yield.
Simple-interest simulation
Enter your assumptions
CHF
%
months
Interest = capital × annual rate ÷ 100 × duration in months ÷ 12
Theoretical gross result
Interest over the period2'000 CHF
Total allocationCapital + interest
Starting capital
Total at maturity
Return over the period8 %
Theoretical total27'000 CHF
Illustrative simulation before fees and tax. It does not account for delays, default or loss of capital and does not constitute an offer.
Calculation method
A simple formula with clearly stated limits.
The calculation converts the annual rate into a return proportional to the duration. It does not compound interest and assumes full repayment.
Theoretical total
Starting capital + gross interest calculated over the period.
Excluded factors
Fees, tax, compounding, delays, default and loss of capital.
Examples
Three simulations at 8% over 12 months.
10'000 CHF
800 CHF in gross interest. Theoretical total: 10'800 CHF.
25'000 CHF
2'000 CHF in gross interest. Theoretical total: 27'000 CHF.
50'000 CHF
4'000 CHF in gross interest. Theoretical total: 54'000 CHF.
Frequently asked questions
How to interpret the result.
Which formula does the calculator use?
It applies simple interest: capital multiplied by the annual rate, then by the duration in months divided by twelve. Interest is neither compounded nor reinvested.
Is the result a net return?
No. The result is gross and theoretical. It excludes fees, tax, delays, default and any loss of capital.
Can decimal values be used?
Capital and the rate may include decimals. Duration is set in whole months to keep the simulation clear.
Does this formula apply to rental property?
No. Rental yield should account for rent, purchase price, expenses, works, vacancies and other costs. This calculator only covers a simple-interest loan.
Learn more
Understand what return measures.
Compare interest, rental yield, gross result and net result before interpreting a percentage.
Real estate return guide
Methods, risk factors and the differences between rent, interest and capital gains.
Read the guide