Tax tips for Retirement
Save for old age and cut your taxes. With strategic payments into Pillar 3a and pension fund, you can immediately reduce your taxable income. iqtax calculates your savings precisely so that you get the most out of your retirement provision.
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Pillar 3a: Your biggest control lever
Private pension provision (pillar 3a) is the most effective tool for immediately reducing your annual tax bill. Every contributed franc can be deducted directly from your taxable income. In the year 2026 The maximum amounts are as follows:
- With pension fund: CHF 7'258 per year.
- Excluding pension fund (e.g. self-employed persons): 20% of net income, but up to a maximum of CHF 36,288.
New from 2026: Subsequent deposits (purchases)
A historic change comes into force in 2026: Anyone who had gaps in Pillar 3a in the past (starting from contribution year 2025) can now close them retrospectively. So if you haven't paid in the full amount in 2025, you can deposit this difference in 2026 in addition to the regular maximum amount and claim it for tax purposes. This provides tremendous flexibility for higher-income years.
Voluntary purchases into the pension fund (2nd pillar)
In addition to pillar 3a, purchases into the pension fund (BVG) are extremely attractive. If you have gaps in contributions — for example due to moving in from abroad, baby breaks or wage increases — you can close them by making voluntary contributions. These amounts are usually fully deductible and massively reduce your tax burden while increasing your retirement pension at the same time.
Pension optimization with iqtax: The iqtax system specializes in correctly recording your pension contributions. iqtax automatically calculatesHow much is your maximum deduction for Pillar 3a and also takes into account the new legal options for subsequent purchases. This ensures that you utilize your full savings potential without having to study legislative changes yourself.
Just do the tax yourself
Done in minutes, not months. Take a photo of your income tax return, answer a few simple questions, file your tax return, and analyze your finances. Free — you only pay when you submit it
Learn more aboutRetirement
Retirement
,Save Taxes with Pillar 3a: Double the Benefits
Pillar 3a offers tax advantages and long-term wealth building. Learn how contributions are tax-deductible, your capital grows tax-free, and which strategies can help you optimize your retirement savings!
Arbnor Jashari
CEO & Swiss Certified Fiduciary Expert
Frequently asked
questions
iqtax exists to bring tax returns in Switzerland up to date with the latest technology. Instead of struggling through endless forms or hiring expensive tax advisors, AI takes care of the entire process. Fast, digital, and completely stress-free.
With iqtax, you can complete your tax return in just a few minutes. Thanks to artificial intelligence, there is hardly any need to transfer data manually, which minimizes sources of error on the one hand and maximizes optimization opportunities on the other. You can conveniently submit your completed tax return at the touch of a button. Check out here how iqtax works.
You can upload your documents with iqdocs directly to the platform or photograph them with your smartphone using the iqtax app. All documents are automatically recognized, and transferred to your tax return.
Usually only a few minutes. iqtax automatically reads your documents, so you hardly have to enter anything manually.
Yes. Our tax assistant answers your questions directly in the app. In addition, you can choose our expert tax return service, where an expert will provide you with personal 1:1 support or prepare your entire tax return for you.
All your data is encrypted and stored exclusively on FINMA and ISO/IEC 27001, 27017, and 27018 compliant servers in Switzerland. More about data security here.
Your data is only visible to you. Neither third parties nor partners have access to it. Our employees can only view your data if you request one-to-one support as part of the expert tax return service and give us your consent to do so. For more questions regarding data and data security, please contact us.
Yes, you can delete your data yourself at any time in the app's profile settings. If you have any further questions, please feel free to contact us.
If you are self-employed and run a sole proprietorship, you currently cannot file your tax return via iqtax. In this case, we recommend our Expert Tax Return service. Our tax professionals will handle your return and provide individual guidance.
Zurich is the first integrated canton. Additional cantons be connected gradually throughout 2026. Nationwide coverage across Switzerland is planned within the next 1–2 tax periods.
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