I live in canton VD and was earning 55k per year. I was advised to open the 3 pillar account in order to make some tax savings. I did opened the account at the end of december (something like Dec.23) and put the maximum sum there. After I needed to ask my tax office to provide me with the tax declaration form in order to deduct 3pillar money. Once you open this account, you have rights to claim this form. However, there are 2 forms. One is a simple one and you can just deduct your 3 pillar. Ask for detailed tax declaration (like for Swiss people or C permit holders). There you can deduct your travel expenses to work, professional expenses, lunches, dentist and other doctors - medical expenses if they are exceed 3 or 5% of your income (do not rememebr exactly) and so on. I could get back about 3000 CHF from my 55k yearly income.