I have a question on the Quellensteuer:

1) How can one with a B permit and earning less than 120k check if it is worthwile doing a tax return? I checked the online calculator of the national web site but the results are strange. When you add up the kanton and bundes tax for my Kanton and Gemeinde, the numbers are much higher than the total listed at the bottom. This also happens for other kantons (try Zug).

Also, my tax is complicated as I pay employer contributions as well, so would I even be able to pre-calculate whether it is worth submitting a tax form? (I work for the EU, which means my Swiss employer is lucky as I pay everything).

2) Has anyone here had to pay more after you tried to claim tax back in the B permit, less than 120k situation?

3) My gross salary is 76000 (I am researcher) but my pension is only calculated on the basis of 48000. Is this normal? (It says my salary is only insured at a fraction of my net salary). Should I worry about this?

4) If a person has to pay quellensteuer, is it still useful to create a 3a pillar? I.e., is it worth opening a Fisca account? I guess people with a C permit can deduct their 3a payments, but how does this work with quellensteuer? Can one indicate how much you put in and then get a reduction the next year of your quellensteuer??

5) I live in Bern and pay about 31% to taxes and insurances. Would you say this is average, better or worse than normal?

6) Is it common for the 13th month to be taxed as much as the other 12months? My statement treats it equally (taxes are deduced based on 13 months of equal income). IS this normal?