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Old 17.07.2019, 11:35
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How much I have to safe to pay taxes ?

Hi everyone,

I’m going to appreciate a lot your feedback regarding taxes.

My context: I got the “upgrade” from B to C permit. I’m working 100% and my wife will start working 60%. Total income will be around 140.000. We have two children between 5 to 10 years old. We live in Basel Land but work in Basel Stadt.

My questions:
- How much we have to “safe” every month to pay taxes?
- Deductibles costs are: Tram ticket? Public and privet Kita? A news bike (transport)? Which medical cost are included, medicines for chronic issues? Deductibles cost can be applied to salaries over 120.000?

In advance thanks for your comments!
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Old 17.07.2019, 11:39
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Re: How much I have to safe to pay taxes ?

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Hi everyone,

I’m going to appreciate a lot your feedback regarding taxes.

My context: I got the “upgrade” from B to C permit. I’m working 100% and my wife will start working 60%. Total income will be around 140.000. We have two children between 5 to 10 years old. We live in Basel Land but work in Basel Stadt.

My questions:
- How much we have to “safe” every month to pay taxes?
- Deductibles costs are: Tram ticket? Public and privet Kita? A news bike (transport)? Which medical cost are included, medicines for chronic issues? Deductibles cost can be applied to salaries over 120.000?

In advance thanks for your comments!
I think there are online tax calculators / estimators for this sort of thing.
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Old 17.07.2019, 11:44
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Re: How much I have to safe to pay taxes ?

With an income of 140k you already complete a tax form, which gives you your tax obligation minus your withholding taxes already paid. This leaves either a balance in your favour or a balance to be paid.

As you already complete a tax return, your tax liability at a given income level won’t change, assuming your other circumstances (commuting cost, debt interest etc) remain the same. See what you paid last year and divide it by 12. Save that amount every month.
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Old 17.07.2019, 11:58
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Re: How much I have to safe to pay taxes ?

Thanks Eyebeebe for your message. Just to say that last year with a B Permit and I as the only family member working, the “Quellensteuer” was around 3% each month...
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Old 17.07.2019, 12:13
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Re: How much I have to safe to pay taxes ?

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Thanks Eyebeebe for your message. Just to say that last year with a B Permit and I as the only family member working, the “Quellensteuer” was around 3% each month...
So last year you earned less than 120k, so didn’t fill in a tax return I guess. In which case you would need to consult the tax calculators.
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Old 17.07.2019, 12:18
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Re: How much I have to safe to pay taxes ?

I always used to put away 20% each month. Tax bill was always less than that so the difference went to savings.
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Old 17.07.2019, 12:19
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Re: How much I have to safe to pay taxes ?

140k is the expected total incomes, and the request to complete a tax form is when a single person earns more then 120k. So I assume that Tomasdeleon did not have to fill in any tax form until now.

I have some experience with Zurich as I live in Zürich city. The Quellensteuer rates here are based on the normal taxation rates and lumpsum discounts for kids, work costs, etc. That is, if a B permit holder and a C permit holder both earn 8000/month, they will pay same taxes, either at source (the B guy) or transfer it (the C guy). There are "small" differences due to different tax rates per city within the Kanton, lumpsum and actual deduction values, but the "freizügigkeitsabkommen" signed between CH and EU forbids tax discrimation, so I would say that both systems are similar.
https://www.admin.ch/opc/de/classifi...648/index.html

This is for Zürich, but the discrimation applies to the whole of CH. So, in a first approximation, the amount of quellensteuer you are paying now (all values throughout the year added) should be a good indicator for the amount you have to pay as a C permit holder.

For a better calculation you would have to "simulate" a tax return form. Income is easy, but finding out exactly how much deductions you can submit is based on your actual costs, and sometimes there are "ceilings" (like Zürich allows only about 10.000 CHF/kid deductions for childcare).
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Old 17.07.2019, 13:11
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Re: How much I have to safe to pay taxes ?

Now you're on a C-permit, your tax will depend on your Gemeinde, rather than the cantonal average.

With you on 80K and your wife on 60K, the Comparis calculator shows lowest tax of around 17K and highest of about 19.5K. I'm fairly risk averse, so I'd set aside 20K for taxes. That way no unpleasant surprises, and any extra can be saved somewhere.
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Old 17.07.2019, 13:23
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Re: How much I have to safe to pay taxes ?

Try EasyTax, the software provided by the Basel Land Tax Office. You can simulate and if you want even submit your declaration. Have a look here:


https://www.baselland.ch/politik-und...person/easytax


I use the one for Basel Stadt, this one should be similar.
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Old 17.07.2019, 18:58
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Re: How much I have to safe to pay taxes ?

Rule of thumb( or was )-one months wages as yearly tax
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Old 17.07.2019, 19:01
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Re: How much I have to safe to pay taxes ?

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Rule of thumb( or was )-one months wages as yearly tax
That won't work for higher earners as it will be near 2 months.
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Old 17.07.2019, 20:10
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Re: How much I have to safe to pay taxes ?

A quick phonecall to your tax office will give you the answer.

Save a little more than the figure they give you, in case some of your deductions are rejected.
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Old 22.07.2019, 19:48
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Re: How much I have to safe to pay taxes ?

I just changed from permit B to C on June and just got today a letter from Zurich's Steueramt requiring me to pay the full 2019 year (from 01.01.2019 to 31.12.2019) provisory taxes. And it says that I can't appeal against it.


Wtf? Permit C pays taxes on advance?
And what about the taxes that I've payed monthly from January to May when I was on Permit B? They don't take those months in consideration?
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Old 22.07.2019, 19:51
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Re: How much I have to safe to pay taxes ?

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I just changed from permit B to C on June and just got today a letter from Zurich's Steueramt requiring me to pay the full 2019 year (from 01.01.2019 to 31.12.2019) provisory taxes. And it says that I can't appeal against it.


Wtf? Permit C pays taxes on advance?
And what about the taxes that I've payed monthly from January to May when I was on Permit B? They don't take those months in consideration?
Call them and tell them to deduct the already paid taxes. They often make that mistake.

Why you would have to pay the rest in advance is strange. You have more than enough time to pay for the rest of the year.
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Old 22.07.2019, 22:52
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Re: How much I have to safe to pay taxes ?

Don't forget your worldly assets.
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Old 23.07.2019, 15:20
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Re: How much I have to safe to pay taxes ?

Hi, sorry to hijack but my question is actually very similar.

I am on B permit. In 2017 my income has crossed 120k, so I got the tax form in my mailbox. I filled it myself and the calculated tax amount was 36'000. The amount already paid through Quellensteuer was 30'000, so this would mean I still owe 6'000.

I sent this declaration in March 2018 and haven't heard anything. Now it's July 2019. So I haven't got any feedback on my 2017 form and I already had to fill the 2018 one...

My question is: when will they send me a payment slip for 2017? Is it normal that they take such a long time? Nothing to worry about? I called them a few months ago and the lady said "it's fine, just fill the 2018 to the best of your knowledge".
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Old 23.07.2019, 16:06
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Re: How much I have to safe to pay taxes ?

Nothing to worry about! I am still waiting for the "endresults" for 2016!

I mean, it really takes a lot of time. Filling in the 2018 form does not depend on 2017. I am curious if they will charge some interest rates (I think it is 0.25%/year) on the 6000 difference over 2017.
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Old 23.07.2019, 16:25
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Re: How much I have to safe to pay taxes ?

Thanks for reassurance!

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Filling in the 2018 form does not depend on 2017.
I know, but I was so unsure if I have done it right. I was hoping for some feedback from them to be smarter before doing the 2018.

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I am curious if they will charge some interest rates (I think it is 0.25%/year) on the 6000 difference over 2017.
How is that fair? I'm just waiting here, ready to pay, yet I didn't get the confirmation that my calculation is correct, nor did I get any account number. Anyway, 0.25% is like 15 CHF, not worth to get angry about it. Just the principle seems wrong.
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Old 23.07.2019, 16:28
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Re: How much I have to safe to pay taxes ?

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My question is: when will they send me a payment slip for 2017? Is it normal that they take such a long time? Nothing to worry about? I called them a few months ago and the lady said "it's fine, just fill the 2018 to the best of your knowledge".
If you live in the city of Zurich you can order the payment slips for canton/commune tax here:
https://www.stadt-zuerich.ch/fd/de/i...ne_akonto.html
If you live in another commune you will have to contact your local tax office. It is your duty to pay the tax when it is due (September 30th of the tax year, other cantons other rules and dates)

You cannot order payment slips for the federal tax in canton Zurich.

Last edited by aSwissInTheUS; 23.07.2019 at 16:39.
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Old 23.07.2019, 16:37
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Re: How much I have to safe to pay taxes ?

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I just changed from permit B to C on June and just got today a letter from Zurich's Steueramt requiring me to pay the full 2019 year (from 01.01.2019 to 31.12.2019) provisory taxes. And it says that I can't appeal against it.


Wtf? Permit C pays taxes on advance?
Yes. So do the Swiss. Tax is due September 30th.
You can not appeal as the stated amount is simply a suggestions (applies to Canton Zurich, other cantons other rules)

You should have got a staple of payment slips. One over the full amount, three over a partial amount, and a blank one. If you pay online (not at the counter) you can use either of the slips and simply adjust the amount to the one you think is about correct. If you paid to muchor earlier you get 0.25% per year on the difference, if you paid not enough or late you get charged 0.25% per year on the difference. If you want new/blank slips see post above.
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