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Old 19.01.2013, 18:45
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Witholding tax, Year tax return and 3a pillar refund

Hi!

Really hope someone can give me a clear answer once I'm getting confused.
I'm a UE citizen and have a B-permit. Currently I'm working in Switzerland - Schaffhausen.

Obviously I pay witholding tax, but I received from gemeinde the paperwork to fulfill my year tax return and send back to tax authorities... Is this mandatory? I read it isn't for the ones who have B-permit...

Meanwhile, I put the 6682 CHF on the 3rd pillar account in 2012. How Should I ask for the refund? Do I have to fully fulfill the year tax return?
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Old 19.01.2013, 18:48
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Re: Witholding tax, Year tax return and 3a pillar refund

Hi, this is covered countless times on the forum.

If you get sent a tax return then yes, it is compulsory to fill it in.

That is where you claim the deduction for the pillar 3 contributions.
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Old 19.01.2013, 18:55
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Re: Witholding tax, Year tax return and 3a pillar refund

The third pillar contribution allows you to claim a deduction this does not automatically mean a refund
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Old 19.01.2013, 19:06
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Re: Witholding tax, Year tax return and 3a pillar refund

How can I do a simulation to know if I will receive something back (I have the 3pa to claim) or even pay more taxes?
In Comparis if I do a simulation with witholding tax the total tax per year is less than it is if I simulate as a normal tax payer...

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The third pillar contribution allows you to claim a deduction this does not automatically mean a refund
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Old 19.01.2013, 19:10
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Re: Witholding tax, Year tax return and 3a pillar refund

Again this is covered plenty on other threads. Please spend some time reading those.

If you are inputting your gross salary into the comparis direct tax calculator you are taking the wrong amount: use "netto 2" after social and pension deductions shown on your annual pay certificate. The withholding tax calculator works using your gross salary.

Oranges and tangerines.
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Old 19.01.2013, 20:00
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Re: Witholding tax, Year tax return and 3a pillar refund

Right!

I end up with one main question... Back in my home country I've been told I have to declare tax there once I lived there 10 in 12 months of the year... Now I realize I also have to do it here...
Just wondering If I declare there what I got there and here what I got here...
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Old 19.01.2013, 20:06
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Re: Witholding tax, Year tax return and 3a pillar refund

What you may need to do is declare your income in both countries as part of your tax return. What should then happen is the rate of tax will be applied against your tax in the country as the income will be used to work out the rate and not actually added to the income.

There are countries though where this can be complex such as USA and also in some cases once you are longer a resident then the income may be exempt and not required for declaration.

Last edited by Wallabies; 19.01.2013 at 20:56.
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Old 19.01.2013, 20:15
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Re: Witholding tax, Year tax return and 3a pillar refund

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Right!

I end up with one main question... Back in my home country I've been told I have to declare tax there once I lived there 10 in 12 months of the year... Now I realize I also have to do it here...
Just wondering If I declare there what I got there and here what I got here...
You are welcome.

This main question of course has nothing to do with your original post...

Not sure if I fully agree with Wallabies, but depends on your situation which you dont really describe very clearly. Is this your first year of residence in Switzerland, and was the overseas salary before your relocation?
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Old 19.05.2013, 13:08
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Re: Witholding tax, Year tax return and 3a pillar refund

Sorry if this was already answered elsewhere - had a good look through the forum but couldn't see this specifically.

On an 'average' income, and cantonal differences acknowledged, what is the rough amount one can expect to receive as a tax refund having paid in the maximum 6,739 CHF this year?

I don't know if I'm missing something, but comparis tells me I should receive 1,739 CHF in Quellensteuer refund, which is a whopping great big amount in my book and way more than I had in mind (~400-500 CHF tops). According to Comparis the refund is a quarter of the invested amount!

http://www.comparis.ch/banken/vorsor...rn-sparen.aspx
(I live in ZH; have 0 'steuerbares Vermögen'; put my 'steuerbares Einkommen' as my gross salary plus transport / lunch / health insurance allowances, ca. 77,000 CHF in total; no religion and no partner)

It just seems bizarre that you can get so much tax back so easily, especially when taxes are so low anyway. What am I missing here?

Last edited by 24lw; 19.05.2013 at 13:10. Reason: clarifying salary
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Old 19.05.2013, 17:21
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Re: Witholding tax, Year tax return and 3a pillar refund

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Sorry if this was already answered elsewhere - had a good look through the forum but couldn't see this specifically.

On an 'average' income, and cantonal differences acknowledged, what is the rough amount one can expect to receive as a tax refund having paid in the maximum 6,739 CHF this year?

I don't know if I'm missing something, but comparis tells me I should receive 1,739 CHF in Quellensteuer refund, which is a whopping great big amount in my book and way more than I had in mind (~400-500 CHF tops). According to Comparis the refund is a quarter of the invested amount!

http://www.comparis.ch/banken/vorsor...rn-sparen.aspx
(I live in ZH; have 0 'steuerbares Vermögen'; put my 'steuerbares Einkommen' as my gross salary plus transport / lunch / health insurance allowances, ca. 77,000 CHF in total; no religion and no partner)

It just seems bizarre that you can get so much tax back so easily, especially when taxes are so low anyway. What am I missing here?
That really is a "how long is a piece of string question", but you get to save tax at your marginal rate of tax, so the c25% you mention is the right ball park. Using your figures, it implies you might well only pay 10% on average tax, but you will be paying more like 25% on every extra CHF you earn.
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