Filling out your tax return: a simple guide
For many, filing a tax return feels like an annual struggle, but it doesn’t have to be. Our simple guide will walk you through the process, from getting prepared to completing the key forms and avoiding common pitfalls.
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Preparation is everything: the documents you'll need
Before filling out your tax return, gather all the necessary documents. Good preparation saves time and reduces the risk of errors that could lead to questions from the tax office later on.
Key documents include salary statements, bank account records, proof of pension contributions (Pillar 3a), receipts for donations, insurance certificates, receipts for professional expenses, and, if applicable, documents for property, securities, or self-employment. The exact documents required depend on your personal situation.
Use last year's tax return as a guide. The official tax return guide, which is sent each year and provides detailed instructions and highlights changes compared to the previous year, is particularly helpful. If you file digitally, many cantons provide software tools or online portals, which save paper and make the process more efficient.
How to fill in your tax return correctly – step by step
The completion process begins with the secondary forms, such as those for work-related expenses, insurance premiums, securities, and real estate. These forms must be filled out completely before transferring the totals to the main tax return form. Pay close attention to the correct placement of values, as even minor errors can result in unnecessary follow-up questions from the tax office.
Digital filing is also becoming increasingly important. Many cantons now offer modern platforms or e-tax solutions. However, not all situations can be processed fully online in every canton (e.g., complex assets or real estate). Check in advance whether your situation is suitable for digital submission.
After completing the forms, carefully review your information, verifying all amounts, receipts, and signatures. This is the only way to avoid corrections and missed deadlines. For maximum security, have professionals such as Taxea.ch check or handle your tax return directly. They are digital, accurate, and on time.
Need more time? How to extend your tax return deadline
In Switzerland, tax returns must typically be filed by the end of March, though this deadline varies by canton. If you cannot meet the deadline, don't worry. You can easily request an extension online, by phone, or in writing with your local tax office. In many cantons, this process is free and only takes a few minutes.
The extension gives you more time to gather documents, carefully check deductions, and take advantage of tax benefits. However, note that the deadline for requesting an extension varies by canton, so apply early, ideally before the regular filing date.
This is particularly useful if you are waiting for third-party documents (bank statements, insurance records, etc.) or have a busy work schedule. An extension ensures a stress-free, complete tax return.
Cantonal differences: what you need to know
Switzerland is a federal state, a fact reflected in its tax system. Although nationwide rules, such as the Federal Act on Direct Federal Tax (DBG), apply, significant differences exist at the cantonal level. These differences affect both the amount of taxes (e.g., tax rates and deductions) and the filing process.
For instance, the maximum deductible Pillar 3a contributions, imputed rental value calculations, and flat-rate deductions for professional expenses vary by canton. Digital filing also differs; some cantons offer modern e-filing portals, while others still require paper submissions for complex cases.
Therefore, it is important to carefully review the cantonal rules — or better yet, rely on tax professionals who are familiar with the regional specifics. This way, you can avoid costly mistakes and ensure that your return meets all local requirements.
Special cases: students, self-employed & companies
Not every tax return is the same – the rules differ depending on your life or work situation. Students, the self-employed, and companies each have specific requirements for declaring income and deductions.
Students
Even if they don't have income, many cantons require students of legal age to file a tax return. Often, stating "no income, no assets" with a copy of their student ID is sufficient. Those with part-time jobs must correctly declare this income and may be able to deduct certain work-related expenses.
Self-employed
Self-employed individuals do not file a standard return with a salary statement; instead, they declare income through a profit and loss account. Business expenses, investments, and business assets must be reported correctly. It is essential to keep private and business expenses strictly separate to avoid tax issues.
Companies
For legal entities, such as LLCs or PLCs, the tax return is filed separately from the owners’ personal income. The company submits its own return, which includes a balance sheet, a profit and loss statement, and all relevant forms. A company's location, profit level, and capital structure significantly influence its tax burden.
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Frequently asked questions
Filing your taxes? The same questions pop up again and again – especially if it’s your first time or your situation has changed. Here are clear, compact answers to the most common ones.
What documents are needed for a tax return?
Depending on your personal situation, you may need salary statements, bank account records, proof of Pillar 3a contributions, receipts for work-related expenses, childcare costs, or donations.
What happens if I make a mistake?
Mistakes on your tax return can be corrected by either the tax office or you after receiving feedback. Small, obvious errors are usually tolerated, though they may delay processing. A careful review before submission will save time and prevent follow-up questions.
Can I also submit my tax return online?
Yes, most cantons offer online filing. However, for complex cases involving property, investments, or self-employment, additional forms may be required, and not all information can be filed digitally. Check with your local tax office to be sure.
How can I request a deadline extension for my tax return?
In most cantons, you can easily request a tax return extension online, by phone, or in writing, and it is often free of charge. Keep in mind that late submissions can lead to reminder fees, so be mindful of cantonal deadlines. It's best to apply early for your own peace of mind.
Do I have to submit a tax return as a student?
Yes, students in Switzerland must file a tax return once they are of age, even if they have no income. It’s usually enough to write "student — no income" and attach a copy of your student ID. This way, you're covered and won't receive additional questions from the tax office.
Do you have any questions?
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