Tools

3A Scheduler

If you save or invest using the 3A scheme in Switzerland, it makes sense to split your assets into multiple accounts to lower your tax burden. This allows you to liquidate your accounts one-by-one each year starting with the fifth year prior to retirement. You can read this article for more details and use this tool to calculate how much and how long you need to contribute to each account.

Effective Tax Calculator

The tax system in Switzerland, as in many other countries, is progressive. There is a common misconception of the progressive tax system that the whole income is taxed at the highest (marginal) rate. This tool shows that different parts of your income are taxed at different rates, which leads to an effective tax rate which is lower than the marginal rate.