from CHF 79
Tax return for retirees and pensioners in Winterthur
Your tax return changes fundamentally after retirement: the salary certificate disappears, and instead there are AHV (state old-age pension, OASI) and pension fund annuities, which are taxable in full as income. At the same time, work-related expenses and Pillar 3a deductions fall away.
Two things regularly bring money back in retirement: medical and care costs exceeding the threshold of five per cent of net income, and the correct treatment of lump-sum withdrawals, which are taxed separately at a reduced rate.
Who this service is for
- People receiving AHV or IV (disability insurance) pensions
- People with a pension fund annuity or a lump-sum withdrawal
- Early retirees and people in transition
- Relatives handling the tax return for their parents
What we actually do
Pensions and withdrawals recorded correctly
AHV, IV, pension fund, life annuities and Pillar 3a payouts are taxed differently. We allocate every payment correctly.
Medical and care costs
Doctor, dentist, hospital, care home, Spitex (home care) — anything above the threshold of five per cent of net income is deductible. We collect the receipts systematically.
Lump sums taxed separately
Lump-sum pension benefits are taxed separately in the year of withdrawal at a reduced rate — not added to the rest of your income.
Drawing on savings
If you live off your savings, your tax burden decreases. We show you how withdrawals can be spread over the years for tax purposes.
Example: retired couple with care costs
A couple receives AHV and two pension fund annuities. The wife receives Spitex home care, and her share of the costs adds up to around CHF 9,000 over the year. With net income of CHF 90,000 the threshold is CHF 4,500 — so CHF 4,500 is deductible.
Disability-related costs are not subject to this threshold and are deductible from the very first franc. Drawing the line correctly pays off — laypeople almost always draw it in the tax office's favour.
The documents we need
The more complete your documents, the faster it goes — and the lower your tax bill tends to be in the end. If anything is missing, we get back to you with a specific list.
- Pension statements from AHV, IV and your pension fund
- Statements of lump-sum pension benefits
- Bank and custody account statements as at 31 December
- Health insurance premium certificate
- Invoices from doctors, dentists, hospitals, care homes and Spitex — less reimbursements
- Receipts for disability-related costs
FAQ: Retirees
Is my AHV pension fully taxable?
Yes, AHV and IV pensions are 100 per cent taxable as income. Supplementary benefits (Ergänzungsleistungen), on the other hand, are tax-free.
How is a lump-sum withdrawal taxed?
Lump-sum benefits from Pillar 2 and Pillar 3a are taxed in the year of payment separately from other income, at a reduced rate. Several withdrawals in the same year are added together — spreading them over several years reduces the progression.
Is the medical expenses deduction actually worth it?
Only once the costs you bear yourself exceed five per cent of net income. With a care home stay or Spitex care this threshold is soon reached — and then it quickly adds up to several thousand francs.
Can relatives submit the tax return?
Yes, with a power of attorney. We provide you with a form and then correspond directly with the tax office.
More services
Is something else a better fit?
Individuals
Employed, one salary certificate, perhaps a Pillar 3a account: the classic Swiss tax return — from CHF 59, with no surprises.
Viewfrom CHF 100Families & couples
Two salary certificates, children, childcare costs, perhaps maintenance payments — every deduction is checked individually.
Viewfrom CHF 60 / hourSelf-employed
Sole trader, side business or partnership: accounts, supplementary form A and private-use shares prepared correctly.
ViewCan we help?
Your tax return, done in three days.
Book an appointment — you don’t need any documents yet. We clarify your situation in a conversation, check every deduction and file electronically. All you do is approve.