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Old 28.05.2017, 13:51
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Question about taxes

Hello
So with taxes on federal,cantons and municipality level i become a little confusing.
I find several calculators but i am not sure that it covers all the taxes(federal cantons and municipality),so is there a calculator that covers all of them together ?
For example,i find this calculator
https://www.ethz.ch/en/the-eth-zuric...alculator.html

We use Zurich,no church member,single status,60 000 frank annual salary or 5000 monthly-all gross
After taxes it gives us 4137.60 CHF monthly or close to 50 000 frank.

On this calculator https://www.lohncomputer.ch/en/your-result/ it gives me 4062 CHF monthly (again Zurich,no church member,single status,60 000 frank annual salary or 5000 monthly-all gross)

So are they correct and include all taxes or not ?
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Old 28.05.2017, 13:59
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Re: Question about taxes

The first 5 years (at least) you will be taxed at source (which is different from the regular tax regime for Swiss and C permit holders).
Best to do a calculation on tax at source (comparis)
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Old 28.05.2017, 14:03
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Re: Question about taxes

Only income taxes are included in those calculations. Other supplementary taxes such as for dogs, TV licencing, refuse collection etc. may be charged for separately by your municipality. See you local town hall's website for details of such taxes.

You will be taxed at source on your income for as long as you are not in possession of either Swiss citizenship or a C-permit.
Holders of L-permits and B-permits are taxed at source.
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Old 28.05.2017, 14:05
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Re: Question about taxes

Use www.comparis.ch under their Property section for Withholding tax. Should be about 290 francs a month.
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Old 28.05.2017, 14:05
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Re: Question about taxes

They are "correct" and include all tax deducted from you pay check.

They correct for AHV, ALV (social contributions), and withholding tax.

All other factors are just guesstimate and will depend on your actual pension plan, occupation, and employer.
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Old 28.05.2017, 14:09
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Re: Question about taxes

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You will be taxed at source on your income for as long as you are not in possession of either Swiss citizenship or a C-permit.
Holders of L-permits and B-permits are taxed at source.
Only if they are not married to a Swiss or C-Permit holder or do not own real estate in Switzerland. And also the tax at source is only a prepayment for those earning more than 120k per year.

Your list you misses two important things: Radio license and fire man tax.
No fire man tax in Canton Zurich.
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Old 28.05.2017, 14:15
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Re: Question about taxes

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Your list you misses two important things: Radio license and fire man tax.
No fire man tax in Canton Zurich.
Hence the 'etc.' in my post, as there could well be numerous things that are not covered! Fire service tax depends on the canton.

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Only if they are not married to a Swiss or C-Permit holder or do not own real estate in Switzerland. And also the tax at source is only a prepayment for those earning more than 120k per year.
A quick query arises from this. A civil partner joining a C-permit holder (partner) in CH, taking up residence and employment, thus receiving presumably a B-permit, would not be taxed at source simply because the partner has a C-permit?

Last edited by koblenz; 28.05.2017 at 15:19. Reason: add
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Old 28.05.2017, 14:45
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Re: Question about taxes

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Use www.comparis.ch under their Property section for Withholding tax. Should be about 290 francs a month.
If you read carefully,the withholding tax is included in calculations(in the section below when you see what are the deductibles and where they are going)
Here is the example with 60 000 CHF in Zurich
Monthly salary(before taxes)
5000.00 CHF
Monthly net salary 4103.60 CHF

Total deductions
896.40 CHF
Non-occupational accident
28.65 CHF
AHV contributions
256.25 CHF
ALV contributions
55.00 CHF
Savings contribution pension fund (Standard plan)
204.75 CHF
Risk premium pension fund (Standard plan)
26.25 CHF
Withholding tax
325.50 CHF

But i never see to be mention something as a federal tax(federal tax on income) ........or i am missing something ?
So in general this is the main taxes(on income)-i dont have any plans to use TV/Radio so the TV licence dont catch me.
So in general,the taxes are around 15-20 % of your income(of course if you have 500 000-1 000 000 annually it will become more)-am i correct ?
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Old 28.05.2017, 15:08
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Re: Question about taxes

If you do not have a TV then you do not need to pay for a TV licence obviously. If Billag (the company who currently collects the fee) contacts you then you could choose to fill in the form they send you, where you will state that you do not have a TV. You shouldn't hear any more from them thereafter.

For wealth tax it will depend upon where you are and how much you have. Of course if you are taxed at source then you are not going to receive any tax forms to fill in.
In some cantons you can request the forms to make a declaration.
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Old 28.05.2017, 15:08
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Re: Question about taxes

The only real tax on the list is the Withholding tax. It includes all three levels, federal, cantonal, communal.

AHV, ALV contributions are social contributions for old age and widow insurance as well as unemployment insurance. They depend on your gross income.

Non-occupational accident, is an insurance which covers any accident which you have outside the work environment. It is just a guess. The actual amount will depend on occupation, employer.

The risk premium is the life insurance part of your pension plan. It is just a guess. Actual amount will depend on employer, pension plan, and your income.

Savings contribution pension fund is the main principal (matched by employer) for your pension plan. It is just a guess. Actual amount will depend on employer, pension plan, maybe your choices, and your income.
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Old 28.05.2017, 15:14
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Re: Question about taxes

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i dont have any plans to use TV/Radio so the TV licence dont catch me.
It is very likely that you have a radio or a so called radio device. It is nearly
inevitable in these days as the specification what is a radio device or devices capable of receiving radio is so huge (phones, computers, tablets, car radio, radio clock, etc.). Still a few do not have a radio device and do not need a radio license. It also does not depend what station you are listening. This means you would need at least a radio license.

Some just do not care and do not pay.

PS: From January 1st 2019 the procedure change form "has a device" to "is an household".
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Old 28.05.2017, 15:23
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Re: Question about taxes

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PS: From January 1st 2019 the procedure change form "has a device" to "is an household".
Which penalizes all of those who genuinely do not own a TV and forces them to pay for something they do not use! We are in this situation and may become liable from 1.1.19.

Luckily there is a chance it will be abolished completely within the next 3 or 4 years though.
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Old 28.05.2017, 15:23
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Re: Question about taxes

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If you do not have a TV then you do not need to pay for a TV licence obviously. If Billag (the company who currently collects the fee) contacts you then you could choose to fill in the form they send you, where you will state that you do not have a TV. You shouldn't hear any more from them thereafter.
This is an FAQ at the Billag website which might assist the OP in evaluating whether he needs to pay the Billag television/ radio tax (English):

Question: "I do not have a television set / I do not have a radio unit / I do not have any devices designed to listen to radio or watch television, but I still have to pay the full fees. Itís not fair / itís a racket.

Answer: The new radio and television act (that has been accepted following the popular vote on 14 June 2015) ensures a transition period during which it will be possible to deregister if you do not own a device designed to listen to radio or watch television. It is unlikely that the new act will be applied before 2019. From that moment on, it will be possible to deregister during a transition period that will last five years."



https://www.billag.ch/private/faq/
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Old 28.05.2017, 15:27
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Re: Question about taxes

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The new radio and television act (that has been accepted following the popular vote on 14 June 2015) ensures a transition period during which it will be possible to deregister if you do not own a device designed to listen to radio or watch television. It is unlikely that the new act will be applied before 2019. From that moment on, it will be possible to deregister during a transition period that will last five years."



https://www.billag.ch/private/faq/
Thank you for that. As a family with no TV, this is certainly something that we will look into. We don't want to be charged for something that we don't have or utilize. It is good that the transition period will last for 5 years from 1.1.19. It allows time for the entire TV licencing concept to be abolished once and for all with the upcoming referendum perhaps before we have to pay anything at all.
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Old 28.05.2017, 15:38
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Re: Question about taxes

So this withholding tax is the tax of income of all levels.
Quote:
It is very likely that you have a radio or a so called radio device. It is nearly
inevitable in these days as the specification what is a radio device or devices capable of receiving radio is so huge (phones, computers, tablets, car radio, radio clock, etc.). Still a few do not have a radio device and do not need a radio license. It also does not depend what station you are listening. This means you would need at least a radio license.
Yes,i have a phone and notebook/s but i don't see what changed this ?
I dont listen or use radio..........or have any intentions to do this ?
Just as a question,if you rent a flat,is it possible to ask a rent lord to remove the TV,because you dont want to use it and to pay a tv licence ?

And i have question about taxes
1)I see that there are two pillars of pensions(AHV, ALV contributions)-generally what money it will give you as a pension when you become on the certain age.
2)
Quote:
The risk premium is the life insurance part of your pension plan
this is another protection of your pension or it is life insurance as a person ?
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Old 28.05.2017, 15:42
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Re: Question about taxes

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Yes,i have a phone and notebook/s but i don't see what changed this ?
I dont listen or use radio..........or have any intentions to do this ?
Just as a question,if you rent a flat,is it possible to ask a rent lord to remove the TV,because you dont want to use it and to pay a tv licence ?
If cable TV is included in your rent, you should be able to have the socket sealed by the cable company and you rent will be adjusted accordingly. It should mean a reduction of at least Fr. 25 per month. We did this before moving in and have never paid any cable TV fees whatsoever.

TV licencing is invoiced separately (nothing to do with the rent/landlord/cable TV company).
If you are contacted by Billag (the company who currently collects the TV licencing fee), you need to tell them you do not have any such TVs/devices in the property. This way you will not be charged anything as you won't be liable. I have been here almost 20 years and have never been charged for it (we do not have a TV).

Last edited by koblenz; 28.05.2017 at 15:45. Reason: add
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Old 28.05.2017, 23:29
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Re: Question about taxes

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So this withholding tax is the tax of income of all levels.
And i have question about taxes
1)I see that there are two pillars of pensions(AHV, ALV contributions)-generally what money it will give you as a pension when you become on the certain age.
2) this is another protection of your pension or it is life insurance as a person ?
It is not a "personal" life insurance but insurance that provides for the pension payout in case of disability or death. As the pension in most cases depends on the accumulated savings, disability or death would lead to very low payout. This risk insurance guarantees a payout based on your insured (pensionable) salary and they payout for such situations will be stated on your pension certificate.
The risk insurance premium depends on the pension fund / plan.
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Old 29.05.2017, 08:31
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Re: Question about taxes

koblenz, my understanding is it doesn't matter whether you have a TV/radio or not. It's any device capable of receiving these so computers, laptops, mobile phones, etc. If you have anything like this, and let's face it probably all of us do, then you'll have to pay.

TomasTomas, as well as the Pillars 1 and 2 you can also arrange to put money into a private Pillar 3a account to boost your pension. You can have several of these, though only 1 open at a time. Close one down and then open a new one as letting them go over around 30,000 francs means you pay more tax.
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Old 29.05.2017, 08:40
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Re: Question about taxes

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koblenz, my understanding is it doesn't matter whether you have a TV/radio or not. It's any device capable of receiving these so computers, laptops, mobile phones, etc. If you have anything like this, and let's face it probably all of us do, then you'll have to pay.
Yes I fully agree that it does not matter which device you have, i.e. if you don't have a TV, but rather you have a PC/tablet etc. But you have to have a subscription or account (even a free one) as well, that allows you access to such services.
The device(s) alone is/are not enough to trigger the liability for the Billag tax.
Watching archive programmes on the BBC's i-Player or videos on youtube on a PC/tablet is not enough for example. For you can watch the videos without an account and also they are not a live broadcast.

It also works the other way around. You could have an internet/TV bundle from UPC, but only use the phone and internet parts because you have no TV in the house. This would mean a missing element and thus no charge from Billag, since you are genuinely not watching TV.

Last edited by koblenz; 29.05.2017 at 08:53. Reason: add
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Old 29.05.2017, 08:53
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Re: Question about taxes

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Yes I fully agree that it does not matter which device you have, i.e. if you don't have a TV, but rather you have a PC/tablet etc. But you have to have a subscription or account as well, that allows you access to such services.
You are conveniently omitting in self denial radio, radio devices, and the radio license.

There are two kind of Billag licenses TV and Radio. Neither includes the other. It is possible and plausible that someone has no TV device but it is unlikely that someone has no Radio device.

Unlike as for TV, Radio has not the condition that you a subscription or account with any Radio provider. It is enough that your device is capable to receive any Radio station in this world. AM, FM, Satellite or Webradio.
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