{"id":8690,"date":"2018-04-01T06:34:16","date_gmt":"2018-04-01T04:34:16","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/pillar-3a-tax-deduction-the-ultimate-guide\/"},"modified":"2024-12-01T21:05:31","modified_gmt":"2024-12-01T20:05:31","slug":"pillar-3a-tax-deduction-the-ultimate-guide","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-tax-deduction-the-ultimate-guide\/","title":{"rendered":"Pillar 3a tax deduction &#8211; the ultimate guide!"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Lesedauer<\/span> <span class=\"rt-time\"> 7<\/span> <span class=\"rt-label rt-postfix\">Minuten<\/span><\/span>\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-62ad9f4\" data-block-id=\"62ad9f4\"><p class=\"stk-block-text__text\">Thanks to the pillar 3a tax deduction, you can save taxes with pillar 3a.\nThis is not only worthwhile because you have made provisions for later.\nBut also because you pay less tax today.\nThe pillar 3a tax deduction can make all the difference, especially when tax progression kicks in.\nAnd what about pillar 3a taxes on payout\/withdrawal?\nDiscover our 7 best tax tips for 3a.       <\/p><\/div>\n\n<!--more-->\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-1847a73\" data-block-id=\"1847a73\"><p class=\"stk-block-text__text\">In the <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/swiss-pension-system-what-the-2019-changes-mean-for-your-pension\/\">Swiss pension system<\/a>, the 3rd pillar is your voluntary, private pension provision for retirement. It is made up of pillar 3a and pillar 3b. Payments into pillar 3a are tax-privileged because the state wants to create an incentive for your private pension provision. If you can save even more money, this falls under <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/invest-in-pillar-3b-self-determined-action-for-later-life\/\">pillar 3b<\/a>. This does not enjoy any tax advantages.    <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-c529c64\" id=\"7-tipps-fur-den-saule-3-a-steuerabzug-und-saule-3-a-steuern-bei-auszahlung\" data-block-id=\"c529c64\"><h2 class=\"stk-block-heading__text\">7 tips for the pillar 3a tax deduction and pillar 3a taxes on payout<\/h2><\/div>\n\n<nav class=\"wp-block-stackable-table-of-contents stk-block-table-of-contents stk-block stk-31286e6 stk-block-background\" data-block-id=\"31286e6\"><p class=\"stk-table-of-contents__title\"><\/p><ul class=\"stk-table-of-contents__table\"><li><a href=\"#tipp-1-mit-saule-3-a-beitrag-steuerbares-einkommen-reduzieren\">Tip 1: reduce taxable income with a pillar 3a contribution<\/a><\/li><li><a href=\"#tipp-2-mit-saule-3-a-steuerabzug-die-steuerprogression-brechen\">Tip 2: break the tax progression with a pillar 3a tax deduction<\/a><\/li><li><a href=\"#tipp-3-mit-saule-3-a-vermogenssteuer-vermeiden\">Tip 3: avoid wealth tax with pillar 3a<\/a><\/li><li><a href=\"#tipp-4-saule-3-a-zinsen-steuerfrei-kassieren\">Tip 4: Collect tax-free pillar 3a interest<\/a><\/li><li><a href=\"#tipp-5-mit-saule-3-a-bei-bezug-von-tiefem-steuersatz-profitieren\">Tip 5: Benefit from a low tax rate on withdrawals with pillar 3a<\/a><\/li><li><a href=\"#tipp-6-saule-3-a-steuern-bei-auszahlung-bezug-uber-mehrere-jahre-verteilen\">Tip 6: Pillar 3a taxes on payout &#8211; spread the withdrawal over several years!  <\/a><\/li><li><a href=\"#tipp-7-saule-3-a-steuerabzug-in-der-steuererklarung-eintragen\">Tip 7: Enter the pillar 3a tax deduction in your tax return<\/a><\/li><\/ul><\/nav>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-e85a540\" data-block-id=\"e85a540\"><p class=\"stk-block-text__text\">You can deduct payments into pillar 3a from your taxable income up to a maximum amount. The maximum pillar 3a tax deduction changes every two years.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-53525df stk-block-background\" data-block-id=\"53525df\"><style>.stk-53525df {background-color:#02b875 !important;margin-bottom:40px !important;}.stk-53525df:before{background-color:#02b875 !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-53525df-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-375282a\" data-v=\"4\" data-block-id=\"375282a\"><style>.stk-375282a {padding-top:20px !important;padding-right:20px !important;padding-bottom:20px !important;padding-left:20px !important;}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-375282a-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-375282a-inner-blocks\">\n<p class=\"has-white-color has-text-color wp-block-paragraph\" data-block-type=\"core\">Related content<\/p>\n\n\n\n<div class=\"wp-block-stackable-posts stk-block-posts stk-block stk-86547d4 alignwide is-style-horizontal-2\" data-v=\"2\" data-block-id=\"86547d4\"><style>.stk-86547d4 {--stk-columns:1 !important;}.stk-86547d4 .stk-block-posts__image-link:not(:empty){width:25% !important;}.stk-86547d4 .stk-img-wrapper{height:100% !important;}.stk-86547d4 .stk-block-posts__title a{color:#ffffff !important;}.stk-86547d4 .stk-block-posts__excerpt p{color:#ffffff !important;}.stk-86547d4 .stk-block-posts__readmore{color:#192483 !important;}@media screen and (max-width: 767px){.stk-86547d4 .stk-block-posts__image-link:not(:empty){width:100% !important;}}<\/style><div class=\"stk-inner-blocks stk-content-align stk-86547d4-column alignwide\"><div class=\"stk-block-posts__items\"><div class=\"stk-block-posts__item\"><div class=\"stk-container stk-86547d4-container stk--no-background stk--no-padding\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-maximum-amount-2025\/\" class=\"stk-block-posts__image-link\"><figure class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/09\/01223138\/Smolio_Blog_Saule-3a-Maximalbetrag-2025.webp\" class=\"attachment-full size-full wp-post-image\" alt=\"S\u00e4ule 3a Maximalbetrag 2025\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/09\/01223138\/Smolio_Blog_Saule-3a-Maximalbetrag-2025.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/09\/01223138\/Smolio_Blog_Saule-3a-Maximalbetrag-2025-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/09\/01223138\/Smolio_Blog_Saule-3a-Maximalbetrag-2025-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/09\/01223138\/Smolio_Blog_Saule-3a-Maximalbetrag-2025-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/09\/01223138\/Smolio_Blog_Saule-3a-Maximalbetrag-2025-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/09\/01223138\/Smolio_Blog_Saule-3a-Maximalbetrag-2025-400x267.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" title=\"\"><\/figure><\/a><article class=\"stk-container-padding\"><h3 class=\"stk-block-posts__title has-text-color\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-maximum-amount-2025\/\">Pillar 3a maximum amount 2025: all information<\/a><\/h3><div class=\"stk-block-posts__excerpt has-text-color\"><p>The pillar 3a maximum amount will increase from January 2025.<br \/>\nRead the article to find out the maximum amount you can pay in for maximum tax savings.<br \/>\nTake advantage of the free reminder by e-mail &#8211; so you never miss a 3a payment again.  <\/p>\n<\/div><a class=\"stk-block-posts__readmore has-text-color\" href=\"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-maximum-amount-2025\/\">Continue Reading<\/a><\/article><\/div><\/div><div class=\"stk-block-posts__item\"><div class=\"stk-container stk-86547d4-container stk--no-background stk--no-padding\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-maximum-amount-2024-how-much-tax-deduction-is-possible\/\" class=\"stk-block-posts__image-link\"><figure class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/24235845\/Smolio-Blog_Saule-3a-Maximalabzug-2024.webp\" class=\"attachment-full size-full wp-post-image\" alt=\"S\u00e4ule 3a Maximalbetrag 2024\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/24235845\/Smolio-Blog_Saule-3a-Maximalabzug-2024.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/24235845\/Smolio-Blog_Saule-3a-Maximalabzug-2024-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/24235845\/Smolio-Blog_Saule-3a-Maximalabzug-2024-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/24235845\/Smolio-Blog_Saule-3a-Maximalabzug-2024-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/24235845\/Smolio-Blog_Saule-3a-Maximalabzug-2024-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/24235845\/Smolio-Blog_Saule-3a-Maximalabzug-2024-400x267.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" title=\"\"><\/figure><\/a><article class=\"stk-container-padding\"><h3 class=\"stk-block-posts__title has-text-color\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-maximum-amount-2024-how-much-tax-deduction-is-possible\/\">Pillar 3a maximum amount 2024: how much tax deduction is possible?<\/a><\/h3><div class=\"stk-block-posts__excerpt has-text-color\"><p>The pillar 3a maximum amount is redefined every two years at the latest in 2024.<br \/>\nRead the article to find out the maximum amount you can pay in for maximum tax savings.<br \/>\nTake advantage of the free reminder by e-mail &#8211; so you never miss a 3a payment again.  <\/p>\n<\/div><a class=\"stk-block-posts__readmore has-text-color\" href=\"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-maximum-amount-2024-how-much-tax-deduction-is-possible\/\">Continue Reading<\/a><\/article><\/div><\/div><\/div><div class=\"stk-inner-blocks\"><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-7f8e3d8 stk-block-background\" data-block-id=\"7f8e3d8\"><style>.stk-7f8e3d8 {background-color:#02b875 !important;}.stk-7f8e3d8:before{background-color:#02b875 !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-7f8e3d8-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-f08d2fd\" data-v=\"4\" data-block-id=\"f08d2fd\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-f08d2fd-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-f08d2fd-inner-blocks\">\n<h3 class=\"wp-block-heading has-white-color has-text-color\" id=\"h-unser-tipp-saule-3a-steuerabzug-ist-an-kalenderjahr-gebunden\">Our tip: Pillar 3a tax deduction is linked to the calendar year<\/h3>\n\n\n\n<p class=\"has-white-color has-text-color wp-block-paragraph\" id=\"h-unser-tipp-gut-rechnen-ist-angesagtfalls-du-die-effektiven-kosten-f-rs-arbeitszimmer-abziehst-verlierst-du-den-pauschal-abzug-f-r-die-berufskosten-denn-es-geht-nur-entweder-abzug-der-effektien-kosten-oder-pauschalabzug-f-r-homeoffice-tage-kannst-du-auch-keine-fahrtkosten-abziehen-rechne-daher-gut-nach-was-dir-den-h-heren-abzug-bringt-vermutlich-f-hrst-du-in-den-meisten-f-llen-besser-mit-dem-pauschalabzug\" data-block-type=\"core\">Saving tax with pillar 3a is currently still tied to a calendar year.\nIf you have not made a payment in one year, you cannot make up for it later and cannot claim it for tax purposes in the current year or later.\nA missed payment into pillar 3a is still irrevocably missed.\nYou can find out more about this in this <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-top-up-payments-how-to-make-a-pillar-3a-purchase\/\">specialist article<\/a>.   <\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-d2d9f5a\" id=\"tipp-1-mit-saule-3-a-beitrag-steuerbares-einkommen-reduzieren\" data-block-id=\"d2d9f5a\"><h2 class=\"stk-block-heading__text\">Tip 1: reduce taxable income with a pillar 3a contribution<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-d48d07b\" data-block-id=\"d48d07b\"><p class=\"stk-block-text__text\">You can deduct your pillar 3a contributions from your taxable income. It doesn&#8217;t matter whether you make the deposits all at once, in many small installments or two large ones. As with the &#8220;Every cent counts&#8221; fundraising campaign, the same applies to the 3a: you don&#8217;t have to deduct the maximum amount, smaller amounts are also possible. It only depends on the amount you pay in during the calendar year. The deposit amount reduces the amount of income on which you are taxed up to the maximum amount.<\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-9886056 stk-block-background\" data-block-id=\"9886056\"><style>.stk-9886056 {background-color:#02b875 !important;}.stk-9886056:before{background-color:#02b875 !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-9886056-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-e9daf8d\" data-v=\"4\" data-block-id=\"e9daf8d\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-e9daf8d-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-e9daf8d-inner-blocks\">\n<h3 class=\"wp-block-heading has-white-color has-text-color\" id=\"h-unser-tipp-steuerersparnis-auch-mit-kleinen-beitragen\">Our tip: Tax savings even with small contributions<\/h3>\n\n\n\n<p class=\"has-white-color has-text-color wp-block-paragraph\" id=\"h-unser-tipp-gut-rechnen-ist-angesagtfalls-du-die-effektiven-kosten-f-rs-arbeitszimmer-abziehst-verlierst-du-den-pauschal-abzug-f-r-die-berufskosten-denn-es-geht-nur-entweder-abzug-der-effektien-kosten-oder-pauschalabzug-f-r-homeoffice-tage-kannst-du-auch-keine-fahrtkosten-abziehen-rechne-daher-gut-nach-was-dir-den-h-heren-abzug-bringt-vermutlich-f-hrst-du-in-den-meisten-f-llen-besser-mit-dem-pauschalabzug\" data-block-type=\"core\">You don&#8217;t have enough left over to pay in the maximum pension contribution?\nNo worries.\nLess is better than nothing.\nYou can also pay less than the maximum amount into your third pillar and get tax savings on it.\nPerhaps you set up a standing order and pay in a smaller amount every month or quarter?\nThanks to the compound interest effect, this will add up to a small fortune over the years.     <\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-d0b08ff\" data-block-id=\"d0b08ff\"><p class=\"stk-block-text__text\">Your tax advantage: less taxable income means that you have to pay less tax on your remaining income after making a 3a payment.<br\/><\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-17a9ef9 stk-block-background\" data-block-id=\"17a9ef9\"><style>.stk-17a9ef9 {background-color:#02b875 !important;margin-bottom:40px !important;}.stk-17a9ef9:before{background-color:#02b875 !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-17a9ef9-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-201fcfa\" data-v=\"4\" data-block-id=\"201fcfa\"><style>.stk-201fcfa {padding-top:20px !important;padding-right:20px !important;padding-bottom:20px !important;padding-left:20px !important;}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-201fcfa-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-201fcfa-inner-blocks\">\n<p class=\"has-white-color has-text-color wp-block-paragraph\" data-block-type=\"core\">Related content<\/p>\n\n\n\n<div class=\"wp-block-stackable-posts stk-block-posts stk-block stk-38d547c alignwide is-style-horizontal-2\" data-v=\"2\" data-block-id=\"38d547c\"><style>.stk-38d547c {--stk-columns:1 !important;}.stk-38d547c .stk-block-posts__image-link:not(:empty){width:25% !important;}.stk-38d547c .stk-img-wrapper{height:100% !important;}.stk-38d547c .stk-block-posts__title a{color:#ffffff !important;}.stk-38d547c .stk-block-posts__excerpt p{color:#ffffff !important;}.stk-38d547c .stk-block-posts__readmore{color:#192483 !important;}@media screen and (max-width: 767px){.stk-38d547c .stk-block-posts__image-link:not(:empty){width:100% !important;}}<\/style><div class=\"stk-inner-blocks stk-content-align stk-38d547c-column alignwide\"><div class=\"stk-block-posts__items\"><div class=\"stk-block-posts__item\"><div class=\"stk-container stk-38d547c-container stk--no-background stk--no-padding\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-who-can-pay-in\/\" class=\"stk-block-posts__image-link\"><figure class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/07\/02154047\/Smolio_Blog_Saule3a_wer-darf-einzahlen.webp\" class=\"attachment-full size-full wp-post-image\" alt=\"S\u00e4ule3a wer darf einzahlen\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/07\/02154047\/Smolio_Blog_Saule3a_wer-darf-einzahlen.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/07\/02154047\/Smolio_Blog_Saule3a_wer-darf-einzahlen-400x267.webp 400w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/07\/02154047\/Smolio_Blog_Saule3a_wer-darf-einzahlen-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/07\/02154047\/Smolio_Blog_Saule3a_wer-darf-einzahlen-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/07\/02154047\/Smolio_Blog_Saule3a_wer-darf-einzahlen-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/07\/02154047\/Smolio_Blog_Saule3a_wer-darf-einzahlen-360x240.webp 360w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" title=\"\"><\/figure><\/a><article class=\"stk-container-padding\"><h3 class=\"stk-block-posts__title has-text-color\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-who-can-pay-in\/\">Pillar 3a Who can pay in?<\/a><\/h3><div class=\"stk-block-posts__excerpt has-text-color\">Who can pay into pillar 3a? What are the requirements for your payment to result in a tax deduction? In this basic article, we take a closer look with numerous case studies: Pillar 3a as an employee, Pillar 3a in part-time employment, Pillar 3a as a self-employed person, Pillar 3a without income, Pillar 3a without&#8230;<\/div><a class=\"stk-block-posts__readmore has-text-color\" href=\"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-who-can-pay-in\/\">Continue Reading<\/a><\/article><\/div><\/div><\/div><div class=\"stk-inner-blocks\"><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-191d8a0\" id=\"tipp-2-mit-saule-3-a-steuerabzug-die-steuerprogression-brechen\" data-block-id=\"191d8a0\"><h2 class=\"stk-block-heading__text\">Tip 2: break the tax progression with a pillar 3a tax deduction<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-265ca30\" data-block-id=\"265ca30\"><p class=\"stk-block-text__text\">How much tax can I save by paying into pillar 3a? We hear this question again and again. The answer is &#8220;it depends&#8221;. This is because the amount of tax you save depends on your marginal tax rate. And this is determined by your place of residence, marital status, taxable income and religious denomination.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-b126ecf\" data-block-id=\"b126ecf\"><p class=\"stk-block-text__text\">How much you save in tax therefore depends on &#8220;where&#8221; (in which canton) you are on the tax curve. This is called <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/tax-progression\/\">tax progression<\/a>: higher incomes are taxed at a higher rate than lower incomes. The more you earn, the higher your tax rate. In concrete terms: you pay more tax on the next CHF 1,000 of additional income, i.e. on the previous CHF 1,000 of your income.     <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-fa00be0\" data-block-id=\"fa00be0\"><p class=\"stk-block-text__text\">Your tax advantage: With a pillar 3a tax deduction, you reduce your taxable income and thus break the tax progression.\nSaving taxes with pillar 3a is completely legal and politically desirable.\nIt is one of the most effective tax planning measures for Mr. and Mrs. Swiss \ud83d\ude03    <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-0cdc4f7\" data-block-id=\"0cdc4f7\"><p class=\"stk-block-text__text\">For most people, the tax saving is between 25 % and 40 % of the amount paid in.\nFor every CHF 1,000 paid into pillar 3a, you can therefore save between CHF 250 and 400 in income tax. <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-8103e61\" data-block-id=\"8103e61\"><p class=\"stk-block-text__text\">Let&#8217;s take a look at two real examples of how a pillar 3a tax deduction affects federal, cantonal and communal taxes.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-aad8917\" id=\"steuerersparnis-beispiel-1-franzi-und-pesche-in-bern-sparen-uber-4000-franken\" data-block-id=\"aad8917\"><h3 class=\"stk-block-heading__text\">Tax savings &#8211; example 1: Fr\u00e4nzi and Pesche in Bern save over CHF 4,000<\/h3><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-472dacf\" data-block-id=\"472dacf\"><p class=\"stk-block-text__text\">The reformed couple from Bern have a combined net income of CHF 140,000.\nIf they both pay the maximum into their pillar 3a, their taxes will be reduced by around CHF 4,200.\nThis means that <strong>Fr\u00e4nzi and Pesche finance 30% of their 3a payment through tax savings<\/strong>.    <\/p><\/div>\n\n<figure class=\"wp-block-table\" data-block-type=\"core\"><table><tbody><tr><td>in Franconia<\/td><td>without pillar 3a<\/td><td>with pillar 3a<\/td><td>Advantage<\/td><td><\/td><\/tr><tr><td>Income<\/td><td>140&#8217;000  <\/td><td>140&#8217;000<\/td><td><\/td><td><\/td><\/tr><tr><td>Pillar 3a tax deduction<\/td><td>0<\/td><td>14&#8217;112<\/td><td><\/td><td><\/td><\/tr><tr><td>Taxes (federal, cantonal, municipal)<\/td><td>26&#8217;078<\/td><td>21&#8217;830<\/td><td><strong>4&#8217;248<\/strong><\/td><td><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: Smolio \/ EStV tax calculator, values for 2023<\/figcaption><\/figure>\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\"><\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-e4a36c4\" id=\"steuerersparnis-beispiel-2-das-steueramt-in-zurich-zahlt-daniel-ein-viertel-seiner-saule-3-a-einzahlung\" data-block-id=\"e4a36c4\"><h3 class=\"stk-block-heading__text\">Tax savings &#8211; example 2: The tax office in Zurich pays Daniel a quarter of his pillar 3a deposit<\/h3><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-21b3928\" data-block-id=\"21b3928\"><p class=\"stk-block-text__text\">Daniel lives as a single person in Zurich and has to pay tax on an income of CHF 80,000.\nIf he makes full use of the maximum amount, he benefits from a CHF 1,750 lower tax bill. <strong>The tax office thus finances around a quarter of his 3a payment<\/strong>.\nHis marginal tax rate falls to 21.2 % with a deposit of 26.5 %  <\/p><\/div>\n\n<figure class=\"wp-block-table\" data-block-type=\"core\"><table><tbody><tr><td>in Franconia<\/td><td>without pillar 3a<\/td><td>with pillar 3a<\/td><td>Advantage<\/td><td><\/td><\/tr><tr><td>Income<\/td><td>80&#8217;000  <\/td><td>80&#8217;000<\/td><td><\/td><td><\/td><\/tr><tr><td>Pillar 3a tax deduction<\/td><td>0<\/td><td>7&#8217;056<\/td><td><\/td><td><\/td><\/tr><tr><td>Taxes (federal, cantonal, municipal)<\/td><td>10&#8217;795<\/td><td>9&#8217;117<\/td><td><strong>1&#8217;678<\/strong><\/td><td><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: Smolio \/ EStV tax calculator, values for 2023<\/figcaption><\/figure>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-894ff03\" data-block-id=\"894ff03\"><p class=\"stk-block-text__text\"><\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-bb8645e\" data-block-id=\"bb8645e\"><p class=\"stk-block-text__text\">You can use the following tax calculator to calculate your individual 3a tax savings.\nYou can see immediately and without registering how much tax you can actually save.\nThe link takes you to the <a href=\"https:\/\/swisstaxcalculator.estv.admin.ch\/#\/calculator\/income-wealth-tax\" target=\"_blank\" rel=\"noreferrer noopener\">tax calculator<\/a> of the Federal Tax Administration.    <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-2f3400f\" id=\"tipp-3-mit-saule-3-a-vermogenssteuer-vermeiden\" data-block-id=\"2f3400f\"><h2 class=\"stk-block-heading__text\">Tip 3: avoid wealth tax with pillar 3a<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-292534d\" data-block-id=\"292534d\"><p class=\"stk-block-text__text\">In Switzerland, all net assets are subject to wealth tax at cantonal level, even if individual cantons only apply this from a certain level of assets (tax-free minimum).\nNet assets include all monetary rights to property, receivables and participations minus debts.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-c494511\" data-block-id=\"c494511\"><p class=\"stk-block-text__text\">And here&#8217;s the thing: <strong>Pillar 3a assets (whether a 3a policy, 3a accounts or 3a securities investments) do not count as net assets and are therefore not subject to wealth tax during their term.<\/strong><\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-596fac6\" data-block-id=\"596fac6\"><p class=\"stk-block-text__text\">Your tax advantage: You do not have to list pillar 3a assets as assets in your tax return.\nThe assets are not taxed and do not increase your tax rate for other taxes.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-0b22985\" id=\"tipp-4-saule-3-a-zinsen-steuerfrei-kassieren\" data-block-id=\"0b22985\"><h2 class=\"stk-block-heading__text\">Tip 4: Collect tax-free pillar 3a interest<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-f422348\" data-block-id=\"f422348\"><p class=\"stk-block-text__text\">Your pillar 3a investments should give you room for maneuver in old age.\nTo do this, they must generate income and should benefit optimally from <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/the-compound-interest-effect-your-ally-for-retirement-provision\/\">the compound interest effect<\/a>.\nAnd this is precisely where another tax advantage of pillar 3a has a positive effect.\nDuring the term, <strong>all interest, income or capital gains on your pillar 3a investments<\/strong> are <strong>tax-free<\/strong>. As your income is not reduced by tax during the savings phase, you benefit to the maximum from the compound interest effect.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-d5035d4\" data-block-id=\"d5035d4\"><p class=\"stk-block-text__text\">Your tax advantage: You do not have to declare interest and income in your tax return or pay tax on them.\nAnd no withholding tax is deducted.\nGreat, isn&#8217;t it?  <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-7643fd4\" id=\"tipp-5-mit-saule-3-a-bei-bezug-von-tiefem-steuersatz-profitieren\" data-block-id=\"7643fd4\"><h2 class=\"stk-block-heading__text\">Tip 5: Benefit from a low tax rate on withdrawals with pillar 3a<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-48dfe34\" data-block-id=\"48dfe34\"><p class=\"stk-block-text__text\">After years of paying into your private pension on a tax-privileged basis, you want to withdraw your pension money one day when you retire &#8211; logically. And even then, there is still a tax gift waiting for you in pillar 3a.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-efa66ac\" data-block-id=\"efa66ac\"><p class=\"stk-block-text__text\">This is because your pension money is not taxed together with your other federal, cantonal, municipal and church income when you draw it.\nNo, it is taxed separately and at a significantly lower, reduced rate.\nThis tax rate is substantially lower than the income tax rate.\nThe tax on the payment of pillar 3a is called capital payment tax.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-a2e15ef\" data-block-id=\"a2e15ef\"><p class=\"stk-block-text__text\">So the tax gift \ud83c\udf81 is: pay into your pension at your marginal tax rate and take a (usually low) single-digit amount out of your pension later.\nYay.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-b5f42c2\" id=\"tipp-6-saule-3-a-steuern-bei-auszahlung-bezug-uber-mehrere-jahre-verteilen\" data-block-id=\"b5f42c2\"><h2 class=\"stk-block-heading__text\">Tip 6: Pillar 3a taxes on payout &#8211; spread the withdrawal over several years!  <\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-6c5c712\" data-block-id=\"6c5c712\"><p class=\"stk-block-text__text\">But watch out: you need to be careful with pillar 3a payouts! Even if the capital payment tax is comparatively low, it is still progressive. Most cantons add up <strong>all<\/strong> withdrawals from the pension fund, vested benefits and pillar 3a within a year. Watch out, tax trap!     <\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-8f3a8d0 stk-block-background\" data-block-id=\"8f3a8d0\"><style>.stk-8f3a8d0 {background-color:#02b875 !important;margin-bottom:40px !important;}.stk-8f3a8d0:before{background-color:#02b875 !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-8f3a8d0-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-b8d5e00\" data-v=\"4\" data-block-id=\"b8d5e00\"><style>.stk-b8d5e00 {padding-top:20px !important;padding-right:20px !important;padding-bottom:20px !important;padding-left:20px !important;}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-b8d5e00-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-b8d5e00-inner-blocks\">\n<p class=\"has-white-color has-text-color wp-block-paragraph\" data-block-type=\"core\">Related content<\/p>\n\n\n\n<div class=\"wp-block-stackable-posts stk-block-posts stk-block stk-bc90922 alignwide is-style-horizontal-2\" data-v=\"2\" data-block-id=\"bc90922\"><style>.stk-bc90922 {--stk-columns:1 !important;}.stk-bc90922 .stk-block-posts__image-link:not(:empty){width:25% !important;}.stk-bc90922 .stk-img-wrapper{height:100% !important;}.stk-bc90922 .stk-block-posts__title a{color:#ffffff !important;}.stk-bc90922 .stk-block-posts__excerpt p{color:#ffffff !important;}.stk-bc90922 .stk-block-posts__readmore{color:#192483 !important;}@media screen and (max-width: 767px){.stk-bc90922 .stk-block-posts__image-link:not(:empty){width:100% !important;}}<\/style><div class=\"stk-inner-blocks stk-content-align stk-bc90922-column alignwide\"><div class=\"stk-block-posts__items\"><div class=\"stk-block-posts__item\"><div class=\"stk-container stk-bc90922-container stk--no-background stk--no-padding\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/capital-payment-tax\/\" class=\"stk-block-posts__image-link\"><\/a><article class=\"stk-container-padding\"><h3 class=\"stk-block-posts__title has-text-color\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/capital-payment-tax\/\">Capital payment tax<\/a><\/h3><div class=\"stk-block-posts__excerpt has-text-color\"><p>When you withdraw money you have saved from your pension, a tax is payable: the capital payment tax (also known as capital tax or capital withdrawal tax).<br \/>\nFind out in the article how you can cleverly optimize this tax.   <\/p>\n<\/div><a class=\"stk-block-posts__readmore has-text-color\" href=\"https:\/\/www.smolio.ch\/en\/wissen\/capital-payment-tax\/\">Continue Reading<\/a><\/article><\/div><\/div><\/div><div class=\"stk-inner-blocks\"><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-7da1913\" id=\"steuerersparnis-beispiel-3-tinu-spart-durch-gestaffelten-saule-3-a-bezug-fast-7000-franken\" data-block-id=\"7da1913\"><h3 class=\"stk-block-heading__text\">Tax savings example 3: Tinu saves almost CHF 7,000 through staggered pillar 3a withdrawals  <\/h3><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-bfce065\" data-block-id=\"bfce065\"><p class=\"stk-block-text__text\">Tinu is a single, reformed Bernese man. With pillar 3a, he pays tax of around CHF 32,300 (8% average tax rate) on his capital of CHF 400,000 in one year. However, if he can spread the pillar 3a payment over two tax years, he saves around CHF 6,800 in taxes. Tinu&#8217;s average tax rate of 6.4 % is also significantly lower than before (8.1 %).<\/p><\/div>\n\n<figure class=\"wp-block-table\" data-block-type=\"core\"><table><tbody><tr><td>in Franconia<\/td><td>Single payment in 1 year<\/td><td>Staggered purchase over 2 years<\/td><td>Advantage<\/td><td><\/td><\/tr><tr><td>Capital payment<\/td><td>400&#8217;000  <\/td><td>200,000 per year in each case<\/td><td><\/td><td><\/td><\/tr><tr><td>Taxes<\/td><td>32&#8217;311<\/td><td>12,748 per year<\/td><td><\/td><td><\/td><\/tr><tr><td>Amount paid out<\/td><td>367&#8217;689<\/td><td>374&#8217;504<\/td><td><strong>6&#8217;815<\/strong><\/td><td><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: Smolio \/ EStV tax calculator, values for 2023<\/figcaption><\/figure>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-a1017d3\" data-block-id=\"a1017d3\"><p class=\"stk-block-text__text\"><\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-da9fe9e\" data-block-id=\"da9fe9e\"><p class=\"stk-block-text__text\">Your tax advantage: You can save a lot of tax by spreading your lump-sum payments over several years.\nTo do this, you need several 3a accounts so that you can make staggered withdrawals and thus save tax on withdrawals with pillar 3a.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-43c9ca4 stk-block-background\" data-block-id=\"43c9ca4\"><style>.stk-43c9ca4 {background-color:#02b875 !important;margin-bottom:40px !important;}.stk-43c9ca4:before{background-color:#02b875 !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-43c9ca4-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-3fdc650\" data-v=\"4\" data-block-id=\"3fdc650\"><style>.stk-3fdc650 {padding-top:20px !important;padding-right:20px !important;padding-bottom:20px !important;padding-left:20px !important;}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-3fdc650-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-3fdc650-inner-blocks\">\n<p class=\"has-white-color has-text-color wp-block-paragraph\" data-block-type=\"core\">Related content<\/p>\n\n\n\n<div class=\"wp-block-stackable-posts stk-block-posts stk-block stk-a1bc9a8 alignwide is-style-horizontal-2\" data-v=\"2\" data-block-id=\"a1bc9a8\"><style>.stk-a1bc9a8 {--stk-columns:1 !important;}.stk-a1bc9a8 .stk-block-posts__image-link:not(:empty){width:25% !important;}.stk-a1bc9a8 .stk-img-wrapper{height:100% !important;}.stk-a1bc9a8 .stk-block-posts__title a{color:#ffffff !important;}.stk-a1bc9a8 .stk-block-posts__excerpt p{color:#ffffff !important;}.stk-a1bc9a8 .stk-block-posts__readmore{color:#192483 !important;}@media screen and (max-width: 767px){.stk-a1bc9a8 .stk-block-posts__image-link:not(:empty){width:100% !important;}}<\/style><div class=\"stk-inner-blocks stk-content-align stk-a1bc9a8-column alignwide\"><div class=\"stk-block-posts__items\"><div class=\"stk-block-posts__item\"><div class=\"stk-container stk-a1bc9a8-container stk--no-background stk--no-padding\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/how-many-3a-accounts-make-sense\/\" class=\"stk-block-posts__image-link\"><figure class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a.webp\" class=\"attachment-full size-full wp-post-image\" alt=\"Wie viele 3a Konten\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a-400x267.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" title=\"\"><\/figure><\/a><article class=\"stk-container-padding\"><h3 class=\"stk-block-posts__title has-text-color\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/how-many-3a-accounts-make-sense\/\">How many 3a accounts make sense?<\/a><\/h3><div class=\"stk-block-posts__excerpt has-text-color\">How many pillar 3a accounts should I open? From what amount should I open a new pillar 3a account? And: how many pillar 3a accounts are allowed? Can I have several pillar 3a accounts at the same bank? We hear these questions again and again. Discover the five-account rule for pillar 3a and how you&#8230;<\/div><a class=\"stk-block-posts__readmore has-text-color\" href=\"https:\/\/www.smolio.ch\/en\/wissen\/how-many-3a-accounts-make-sense\/\">Continue Reading<\/a><\/article><\/div><\/div><\/div><div class=\"stk-inner-blocks\"><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-91e6040\" id=\"tipp-7-saule-3-a-steuerabzug-in-der-steuererklarung-eintragen\" data-block-id=\"91e6040\"><h2 class=\"stk-block-heading__text\">Tip 7: Enter the pillar 3a tax deduction in your tax return<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-9317d02\" data-block-id=\"9317d02\"><p class=\"stk-block-text__text\">How do I declare my <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-tax-return-where-to-enter-what-when-how\/\" data-type=\"post\" data-id=\"8244\">3a contributions in my tax return<\/a>? You really don&#8217;t need a tax advisor for that. Honestly. At the beginning of the following year, your trusted 3a provider will automatically send you a highly official payment certificate. Depending on the provider, this can be in paper or digital form, by e-mail or in your pension app. It shows how much you paid into pillar 3a in the last calendar year. If you have made several payments, these will be added together and you will only ever receive one certificate per provider. And if you have made pillar 3a payments with several providers, you will receive several payment certificates. You transfer these values to the corresponding field of the official tax form in your tax return and enclose the tax certificate(s) from the pension foundation(s). You&#8217;re done!         <\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-3112f5f stk-block-background callout\" data-block-id=\"3112f5f\" data-block-type=\"core\" data-block-type=\"core\"><style>.stk-3112f5f{background-color:#02b875 !important;margin-bottom:40px !important}.stk-3112f5f:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-3112f5f-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4a4cbd5\" data-v=\"4\" data-block-id=\"4a4cbd5\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4a4cbd5-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4a4cbd5-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-fe9674b\" data-block-id=\"fe9674b\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-827\" src=\"https:\/\/www.smolio.ch\/wp-content\/uploads\/2017\/08\/Vorsorgecheck-live_Einkommensu&#x308;bersicht-niedergelassene_Smolio-Wissen.png\" width=\"800\" height=\"566\" alt=\"Smolio pension check shows income in retirement with Pensions 2020\" title=\"\"><\/span><\/figure><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4891e88\" data-v=\"4\" data-block-id=\"4891e88\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4891e88-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4891e88-inner-blocks\"><p data-block-type=\"core\"><div class=\"mautic-slot\" data-slot-name=\"c2a-blog-finanzdashboard\"><\/p>\n<h3>Mach den ersten Schritt zur finanziellen Unabh\u00e4ngigkeit<\/h3>\n<p> In einer Minute siehst du deine Verm\u00f6gensentwicklung und dein Einkommen w\u00e4hrend der Rente. <\/p>\n<p> <a href=\"https:\/\/cockpit.smolio.ch\/de\/vorsorgecheck\/start\/1\/\" target=\"_blank\" rel=\"noopener\">Rentenrechner starten<\/a> <\/p>\n<p><\/div><\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-cdc4781\" id=\"zusammenfassung-saule-3-a-steuerabzug-und-steuern-sparen-mit-saule-3-a\" data-block-id=\"cdc4781\"><h2 class=\"stk-block-heading__text\">Summary of pillar 3a tax deduction and tax savings with pillar 3a  <\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-b5c53a7\" data-block-id=\"b5c53a7\"><p class=\"stk-block-text__text\">With our tax-saving tips for pillar 3a, you will not only benefit with small amounts when you pay in, but also during the term and when you make your pillar 3a payout.\nBecause we want you to get more out of your money.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-v4tu4sp stk-block-background callout\" data-block-id=\"v4tu4sp\" data-block-type=\"core\" data-block-type=\"core\"><style>.stk-v4tu4sp{background-color:#02b875 !important;margin-bottom:40px !important}.stk-v4tu4sp:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-v4tu4sp-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-hlkzu8q\" data-v=\"4\" data-block-id=\"hlkzu8q\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-hlkzu8q-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-hlkzu8q-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-27w7zhm\" data-block-id=\"27w7zhm\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-6627\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG.png\" width=\"1200\" height=\"800\" alt=\"Smolio pension check shows income in retirement with Pensions 2020\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG.png 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-800x533.png 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-315x210.png 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-768x512.png 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-360x240.png 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-400x267.png 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/span><\/figure><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-2u5sin6\" data-v=\"4\" data-block-id=\"2u5sin6\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-2u5sin6-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-2u5sin6-inner-blocks\">\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-addbbcb\" id=\"finde-die-beste-saule-3-a\" data-block-id=\"addbbcb\"><style>.stk-addbbcb .stk-block-heading__text{color:#ffffff !important}<\/style><h3 class=\"stk-block-heading__text has-text-color has-text-align-center\">Find the best pillar 3a<\/h3><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-c2849cd\" data-block-id=\"c2849cd\"><style>.stk-c2849cd .stk-block-text__text{color:#ffffff !important}<\/style><p class=\"stk-block-text__text has-text-color\">Unbelievable &#8211; most people pay too much for their pillar 3a and get too little return.\nAre you one of them?\nFind out which pillar 3a is best suited to you with just a few clicks in our free comparison.    <\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-38be4a0\" data-block-id=\"38be4a0\"><div class=\"stk-row stk-inner-blocks has-text-align-center stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button has-text-align-center stk-block stk-1f879d2\" data-block-id=\"1f879d2\"><style>.stk-1f879d2 .stk-button{background:#192483 !important;border-top-left-radius:30px !important;border-top-right-radius:30px !important;border-bottom-right-radius:30px !important;border-bottom-left-radius:30px !important}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"https:\/\/finder.smolio.ch\/\" target=\"_blank\" rel=\"noopener\"><span class=\"stk-button__inner-text\">Find the best pillar 3a<\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>With the pillar 3a tax deduction, you can save taxes with pillar 3a.<br \/>\nThis is not only worthwhile because you have made provisions for later.<br \/>\nBut also because you pay less tax today.<br \/>\nThe pillar 3a tax deduction can make all the difference, especially when tax progression kicks in.<br \/>\nDiscover our 7 best tax tips for pillar 3a.    <\/p>\n","protected":false},"author":8,"featured_media":6946,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2260,2192],"tags":[2483,2484],"class_list":["post-8690","post","type-post","status-publish","format-standard","has-post-thumbnail","category-invest-in-pillar-3a","category-save-taxes","tag-pillar-3a-tax-calculator","tag-pillar-3a-taxes-on-payout"],"nelio_content":{"autoShareEndMode":"never","automationSources":{"useCustomSentences":false,"customSentences":[]},"efiAlt":"","efiUrl":"","followers":[8],"highlights":[],"isAutoShareEnabled":false,"networkImageIds":[],"permalinkQueryArgs":[],"series":[],"suggestedReferences":[]},"featured_image_urls_v2":{"full":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/09160050\/Smolio-Blog_Saule3a-Steuerabzug.webp",1200,579,false],"thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/09160050\/Smolio-Blog_Saule3a-Steuerabzug-315x152.webp",315,152,true],"medium":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/09160050\/Smolio-Blog_Saule3a-Steuerabzug-800x386.webp",800,386,true],"medium_large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/09160050\/Smolio-Blog_Saule3a-Steuerabzug-768x371.webp",768,371,true],"large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/09160050\/Smolio-Blog_Saule3a-Steuerabzug.webp",1140,550,false],"1536x1536":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/09160050\/Smolio-Blog_Saule3a-Steuerabzug.webp",1200,579,false],"2048x2048":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/09160050\/Smolio-Blog_Saule3a-Steuerabzug.webp",1200,579,false],"davenport-blog-thumb":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/09160050\/Smolio-Blog_Saule3a-Steuerabzug-1140x579.webp",1140,579,true],"davenport-blog-thumb-grid":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/09160050\/Smolio-Blog_Saule3a-Steuerabzug-555x360.webp",555,360,true],"davenport-blog-thumb-widget":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/09160050\/Smolio-Blog_Saule3a-Steuerabzug-220x180.webp",220,180,true],"davenport-blog-thumb-masonry":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/09160050\/Smolio-Blog_Saule3a-Steuerabzug-360x174.webp",360,174,true],"woocommerce_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/09160050\/Smolio-Blog_Saule3a-Steuerabzug-300x300.webp",300,300,true],"woocommerce_single":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/09160050\/Smolio-Blog_Saule3a-Steuerabzug-400x193.webp",400,193,true],"woocommerce_gallery_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/09160050\/Smolio-Blog_Saule3a-Steuerabzug-300x300.webp",300,300,true]},"post_excerpt_stackable_v2":"<p>With the pillar 3a tax deduction, you can save taxes with pillar 3a.<br \/>\nThis is not only worthwhile because you have made provisions for later.<br \/>\nBut also because you pay less tax today.<br \/>\nThe pillar 3a tax deduction can make all the difference, especially when tax progression kicks in.<br \/>\nDiscover our 7 best tax tips for pillar 3a.    <\/p>\n","category_list_v2":"<a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/understanding-the-swiss-pension-system\/invest-in-pillar-3a\/\" rel=\"category tag\">Invest in pillar 3a<\/a>, <a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/save-taxes\/\" rel=\"category tag\">save taxes<\/a>","author_info_v2":{"name":"Thomas","url":"https:\/\/www.smolio.ch\/en\/wissen\/author\/thomas\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8690","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/comments?post=8690"}],"version-history":[{"count":5,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8690\/revisions"}],"predecessor-version":[{"id":9635,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8690\/revisions\/9635"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media\/6946"}],"wp:attachment":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media?parent=8690"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/categories?post=8690"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/tags?post=8690"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}