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| The contributions can be claimed back via a tax return.
They are not factored in monthly.
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Technically it is not a tax return but a request to correct the tax at source at the end of the year, a sort of claim back. You do this with a simple forma and not a tax declaration.
http://www.steueramt.zh.ch/html/form...ntrag-e01r.pdf
Unless you earn more than 120000 CHF in which case you do only the tax declaration.
regards,
Cristina