{"id":8701,"date":"2018-04-10T12:00:42","date_gmt":"2018-04-10T10:00:42","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/paying-taxes-in-advance-in-2024-is-it-worth-it\/"},"modified":"2025-03-22T14:57:44","modified_gmt":"2025-03-22T13:57:44","slug":"paying-taxes-in-advance-in-2024-is-it-worth-it","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/paying-taxes-in-advance-in-2024-is-it-worth-it\/","title":{"rendered":"Paying taxes in advance in 2025: is it worth it?"},"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\"> 5<\/span> <span class=\"rt-label rt-postfix\">Minuten<\/span><\/span>\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-f25c4a4\" data-block-id=\"f25c4a4\"><p class=\"stk-block-text__text\">We pay taxes either all at once or in fixed tax installments. Prepaying taxes means voluntarily paying the taxes you expect to pay in advance. Discover why this can be worthwhile for you.  <\/p><\/div>\n\n<!--more-->\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-9241b06\" data-block-id=\"9241b06\"><p class=\"stk-block-text__text\">Firstly, you have to pay your taxes anyway and secondly, many cantons pay you a comparatively high interest rate if you pay in advance &#8211; more than you can earn on a normal savings account. So voluntary tax prepayment can make sense for you. First, let&#8217;s take a look at the four relevant interest rates on which your decision depends.<\/p><\/div>\n\n<nav class=\"wp-block-stackable-table-of-contents stk-block-table-of-contents stk-block stk-b853f95 stk-block-background\" data-block-id=\"b853f95\"><p class=\"stk-table-of-contents__title\">We discuss these topics in the specialist article &#8220;Paying taxes in advance 2025&#8221;<\/p><ul class=\"stk-table-of-contents__table\"><li><a href=\"#bankzins-vergutungszins-ausgleichszins-verzugszins-vorauszahlungszins\">Bank interest, compensation interest, compensatory interest, default interest, prepayment interest<\/a><\/li><li><a href=\"#vorauszahlungszins-2025-in-verschiedenen-kantonen\">Prepayment interest rate 2025 in various cantons<\/a><\/li><li><a href=\"#welchen-vorauszahlungszins-2025-gibt-es-welchen-verzugszins-2025-muss-ich-bezahlen\">What is the 2025 prepayment interest rate? What interest on arrears 2025 do I have to pay? <\/a><\/li><li><a href=\"#wann-ist-die-steuer-zahlung-fallig\">When is the tax payment due?<\/a><\/li><li><a href=\"#tipp-1-punktlich-steuern-zahlen\">Tip 1: Pay taxes on time<\/a><\/li><li><a href=\"#tipp-2-steuern-vorauszahlen-wenn-es-vorauszahlungszins-gibt\">Tip 2: Pay taxes in advance if there is prepayment interest<\/a><\/li><li><a href=\"#tipp-3-kantons-und-bundessteuer-separat-planen\">Tip 3: Plan cantonal and federal tax separately<\/a><\/li><li><a href=\"#tipp-4-quellenbesteuerte-sollten-nicht-zu-wenig-bezahlen\">Tip 4: Withholding taxpayers should not pay too little<\/a><\/li><\/ul><\/nav>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-beab0db\" id=\"bankzins-vergutungszins-ausgleichszins-verzugszins-vorauszahlungszins\" data-block-id=\"beab0db\"><h2 class=\"stk-block-heading__text\">Bank interest, compensation interest, compensatory interest, default interest, prepayment interest<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-357fca8\" data-block-id=\"357fca8\"><p class=\"stk-block-text__text\">If you understand what interest you get and what you pay and how much it is, you will quickly understand whether paying tax in advance is worthwhile for you. You can also find the breakdown in table form below. <\/p><\/div>\n\n<ul class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\"><strong>Bank interest <\/strong>is the interest you receive on your money in a salary account or savings account. Despite the rise in interest rates, this is still around 0% for the vast majority of banks on a private account. <\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Compensatory interest <\/strong>(also known as <strong>compensatory interest<\/strong> ) is the interest you receive from the tax authorities if it later transpires that they have overcharged you for taxes. Compensatory interest is tax-free. <\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Default interest <\/strong>is the interest you pay to the tax authorities if you do not pay taxes on time. Taxes become due when the invoice is sent. If you do not pay taxes owed despite a reminder, you will be prosecuted. You can deduct the default interest from your tax return as a deduction for interest payments.   <\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Prepayment interest <\/strong>is the interest that the tax administration pays you on voluntary payments before the installment invoice is due. It works like this: if you have a credit balance in your prepayment account with the tax administration, the installment invoices are covered by this. Interest is paid on your credit balance until this credit is credited. If your prepayment balance exceeds the installment invoices, interest will be paid on any surplus until the end of the year at the latest. The prepayment interest is taxable.    <\/li>\n<\/ul>\n\n<figure class=\"wp-block-table\" data-block-type=\"core\"><table><thead><tr><th>Interest type<\/th><th class=\"has-text-align-center\" data-align=\"center\">Interest on what?<\/th><th class=\"has-text-align-center\" data-align=\"center\">Who pays whom?<\/th><th class=\"has-text-align-center\" data-align=\"center\">Taxable?<\/th><\/tr><\/thead><tbody><tr><td>Bank interest<\/td><td class=\"has-text-align-center\" data-align=\"center\">your account balance  <\/td><td class=\"has-text-align-center\" data-align=\"center\">Bank \u2192 you<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><\/tr><tr><td>Compensation interest  <\/td><td class=\"has-text-align-center\" data-align=\"center\">for overcharged taxes<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tax office \u2192 you<\/td><td class=\"has-text-align-center\" data-align=\"center\">no<\/td><\/tr><tr><td>Default interest<\/td><td class=\"has-text-align-center\" data-align=\"center\">for taxes not paid on time<\/td><td class=\"has-text-align-center\" data-align=\"center\">you \u2192 Tax office<\/td><td class=\"has-text-align-center\" data-align=\"center\">no, but deductible<\/td><\/tr><tr><td>Prepayment interest<\/td><td class=\"has-text-align-center\" data-align=\"center\">on tax payments before the due date<\/td><td class=\"has-text-align-center\" data-align=\"center\">Tax office \u2192 you<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Comparison of the various tax-relevant interest types<\/figcaption><\/figure>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-25e0946\" data-block-id=\"25e0946\"><p class=\"stk-block-text__text\"><\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-d8175a4\" id=\"vorauszahlungszins-2025-in-verschiedenen-kantonen\" data-block-id=\"d8175a4\"><h2 class=\"stk-block-heading__text\">Prepayment interest rate 2025 in various cantons<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-68d67b4\" data-block-id=\"68d67b4\"><p class=\"stk-block-text__text\">Incidentally, federal tax is due on March 31 of the following year, which applies throughout Switzerland. In the case of cantonal and municipal taxes, each canton sets its own payment dates, deadlines and interest rates. What they have in common is that no withholding tax is withheld on interest income. In the <a href=\"https:\/\/www.estv.admin.ch\/dam\/estv\/de\/dokumente\/estv\/steuersystem\/dossier-steuerinformationen\/e\/e-bezugsverfahren-bei-direkten-steuern.pdf.download.pdf\/e-bezugsverfahren-bei-direkten-steuern.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">reference procedure for direct taxes<\/a>, the Association of Swiss Tax Authorities has compiled, among other things, how taxes are levied, invoiced or reimbursed by the Confederation or canton.      <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-5359abc\" data-block-id=\"5359abc\"><p class=\"stk-block-text__text\">Paying taxes in advance therefore works very differently in the various cantons. This reflects the federal system. The prepayment interest rate differs quite significantly and changes annually.    <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-b6846f3\" id=\"welchen-vorauszahlungszins-2025-gibt-es-welchen-verzugszins-2025-muss-ich-bezahlen\" data-block-id=\"b6846f3\"><h2 class=\"stk-block-heading__text\">What is the 2025 prepayment interest rate? What interest on arrears 2025 do I have to pay? <\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-88d77a4\" data-block-id=\"88d77a4\"><p class=\"stk-block-text__text\">For some populous cantons, you will find the 2024 \/ 2025 prepayment interest rate and default interest rate in the following table. With the turnaround in interest rates, some cantons have fortunately increased their interest rates for advance payments and some have already lowered them again. <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-3824dad\" data-block-id=\"3824dad\"><p class=\"stk-block-text__text\">This also applies to the Confederation. <strong>In 2025<\/strong>, the Confederation will <strong>pay a lower interest rate on advance payments (now 0.75 %)<\/strong> and reduce the default interest rate from 4.75 % to 4.5 %. Although the interest rate for advance payments is now lower, in many cases this interest rate is likely to be higher than the interest rate you get on a normal savings account.  <\/p><\/div>\n\n<figure class=\"wp-block-table\" data-block-type=\"core\"><table><thead><tr><th>Canton<\/th><th>Prepayment interest in %<\/th><th><\/th><th><\/th><th><\/th><th>Default interest in %<\/th><th><\/th><th><\/th><th><\/th><\/tr><\/thead><tbody><tr><td><\/td><td><strong>2022<\/strong><\/td><td><strong>2023<\/strong><\/td><td><strong>2024<\/strong><\/td><td><strong>2025<\/strong><\/td><td><strong>2022<\/strong><\/td><td><strong>2023<\/strong><\/td><td><strong>2024<\/strong><\/td><td><strong>2025<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/www.ag.ch\/de\/verwaltung\/dfr\/steuern\/natuerliche-personen\/bezahlen-der-steuern\/kantons-und-gemeindesteuern\" target=\"_blank\" rel=\"noreferrer noopener\">Aargau<\/a><\/td><td>0.10<\/td><td>0.30<\/td><td>0.75<\/td><td>0.75<\/td><td>5.1<\/td><td>5.0<\/td><td>5.0<\/td><td>5.0<\/td><\/tr><tr><td><a href=\"https:\/\/www.steuerverwaltung.bs.ch\/steuerzahlung\/verzinsung.html#:~:text=Zinsen%20zu%20Lasten%20(Belastungszins)&amp;text=Der%20Belastungszinssatz%20f%C3%BCr%20das%20Kalenderjahr,Prozent%20bei%20der%20direkten%20Bundessteuer.\" target=\"_blank\" rel=\"noreferrer noopener\">Basel-Stadt<\/a><\/td><td>0.10<\/td><td>0.50<\/td><td>1.0<\/td><td>1.0<\/td><td>3.0<\/td><td>3.5<\/td><td>3.50<\/td><td>3.5<\/td><\/tr><tr><td><a href=\"https:\/\/www.baselland.ch\/politik-und-behorden\/direktionen\/finanz-und-kirchendirektion\/steuerverwaltung\/steuerzahlungen\/bezahlung-der-steuern\/zinsen\" target=\"_blank\" rel=\"noreferrer noopener\">Basel-Land<\/a><\/td><td>0.20<\/td><td>0.20<\/td><td>0.80<\/td><td>0.2<\/td><td>5.0<\/td><td>5.0<\/td><td>4.75<\/td><td>5.5<\/td><\/tr><tr><td><a href=\"https:\/\/www.sv.fin.be.ch\/de\/start\/themen\/steuern-bezahlen\/zinsen.html\" target=\"_blank\" rel=\"noreferrer noopener\">Berne<\/a><\/td><td>0.00<\/td><td>0.25<\/td><td>0.75<\/td><td>0.75<\/td><td>3.0<\/td><td>3.0<\/td><td>1.0<\/td><td>1.0<\/td><\/tr><tr><td><a href=\"https:\/\/www.fr.ch\/sites\/default\/files\/2023-01\/taux-d-interet-en-matiere-de-perception.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Fribourg<\/a><\/td><td>0.00<\/td><td>0.00<\/td><td>0.25<\/td><td>0.25<\/td><td>3.0<\/td><td>3.0<\/td><td>3.75<\/td><td>3.75<\/td><\/tr><tr><td><a href=\"https:\/\/www.gr.ch\/DE\/institutionen\/verwaltung\/dfg\/stv\/bezahlen\/Seiten\/verzinsung.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">Grisons<\/a><\/td><td>0.00<\/td><td>0.00<\/td><td>0.75<\/td><td>0.25<\/td><td>4.0<\/td><td>4.0<\/td><td>4.0<\/td><td>4.0<\/td><\/tr><tr><td><a href=\"https:\/\/steuerbuch.lu.ch\/index\/band_2a_weisungen_stg__bezug_anhang_zinssaetze\" target=\"_blank\" rel=\"noreferrer noopener\">Lucerne<\/a><\/td><td>0.00<\/td><td>0.00<\/td><td>1.25<\/td><td>0.75<\/td><td>3.5<\/td><td>3.5<\/td><td>4.75<\/td><td>4.5<\/td><\/tr><tr><td><a href=\"https:\/\/www.gesetzessammlung.sg.ch\/app\/de\/texts_of_law\/811.14\" target=\"_blank\" rel=\"noopener\">St. Gallen<\/a><\/td><td>0.25<\/td><td>0.25<\/td><td>0.25<\/td><td>0.75<\/td><td>4.0<\/td><td>4.0<\/td><td>4.0<\/td><td>4.0<\/td><\/tr><tr><td><a href=\"https:\/\/so.ch\/verwaltung\/finanzdepartement\/steueramt\/juristische-personen\/zinssaetze\/\" target=\"_blank\" rel=\"noreferrer noopener\">Solothurn<\/a><\/td><td>0.00<\/td><td>0.00<\/td><td>0.00<\/td><td>0.0<\/td><td>3.0<\/td><td>3.0<\/td><td>3.5<\/td><td>3.5<\/td><\/tr><tr><td><a href=\"https:\/\/www.vs.ch\/de\/web\/scc\/steuerpflichtige\" target=\"_blank\" rel=\"noreferrer noopener\">Wallis<\/a><\/td><td>0.00<\/td><td>0.00<\/td><td>0.00<\/td><td>0.25<\/td><td>3.5<\/td><td>3.5<\/td><td>3.5<\/td><td>3.75<\/td><\/tr><tr><td><a href=\"https:\/\/zg.ch\/de\/steuern-finanzen\/steuern\/steuerbezug\/zinsenskonoto\" target=\"_blank\" rel=\"noreferrer noopener\">Train<\/a><\/td><td>0.00<\/td><td>0.00<\/td><td>2.00<\/td><td>2.0<\/td><td>4.0<\/td><td>4.0<\/td><td>4.0<\/td><td>4.0<\/td><\/tr><tr><td><a href=\"https:\/\/www.zh.ch\/de\/steuern-finanzen\/steuern\/treuhaender\/steuerbuch\/steuerbuch-definition\/zstb-174-1.html\" target=\"_blank\" rel=\"noreferrer noopener\">Zurich<\/a><\/td><td>0.25<\/td><td>0.25<\/td><td>1.00<\/td><td>1.0<\/td><td>4.5<\/td><td>4.5<\/td><td>4.5<\/td><td>4.5<\/td><\/tr><tr><td><\/td><td><\/td><td><\/td><td><\/td><td><\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td><strong><a href=\"https:\/\/www.estv.admin.ch\/estv\/de\/home\/direkte-bundessteuer\/dbst-steuertarife\/zinssaetze.html\" target=\"_blank\" rel=\"noreferrer noopener\">Covenant<\/a><\/strong><\/td><td>0.00<\/td><td>0.00<\/td><td>1.25<\/td><td>0.75<\/td><td>4.0<\/td><td>4.0<\/td><td>4.75<\/td><td>4.5<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Prepayment interest and remuneration interest 2022, 2023, 2024, 2025 Source: Smolio research March 2025 <\/figcaption><\/figure>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-11f94ac\" data-block-id=\"11f94ac\"><p class=\"stk-block-text__text\"><\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-5549504\" id=\"wann-ist-die-steuer-zahlung-fallig\" data-block-id=\"5549504\"><h2 class=\"stk-block-heading__text\">When is the tax payment due?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-38efc88\" data-block-id=\"38efc88\"><p class=\"stk-block-text__text\">The tax administration determines the amount and deadline for the taxes to be paid. The <strong>cantonal systems for tax payments, the number and dates of installment invoices and refund regulations<\/strong> differ.  <\/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\" 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\/tax-return-deadline-extension-2023-per-canton\/\" 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\/03\/17175210\/Smolio_Blog_Steuererklarung-Fristverlangerung_business-man-working-in-a-modern-office-meditatin-2023-11-27-05-34-09-utc.webp\" class=\"attachment-full size-full wp-post-image\" alt=\"Steuererkl\u00e4rung Fristverl\u00e4ngerung 2023\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/17175210\/Smolio_Blog_Steuererklarung-Fristverlangerung_business-man-working-in-a-modern-office-meditatin-2023-11-27-05-34-09-utc.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/17175210\/Smolio_Blog_Steuererklarung-Fristverlangerung_business-man-working-in-a-modern-office-meditatin-2023-11-27-05-34-09-utc-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/17175210\/Smolio_Blog_Steuererklarung-Fristverlangerung_business-man-working-in-a-modern-office-meditatin-2023-11-27-05-34-09-utc-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/17175210\/Smolio_Blog_Steuererklarung-Fristverlangerung_business-man-working-in-a-modern-office-meditatin-2023-11-27-05-34-09-utc-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/17175210\/Smolio_Blog_Steuererklarung-Fristverlangerung_business-man-working-in-a-modern-office-meditatin-2023-11-27-05-34-09-utc-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/03\/17175210\/Smolio_Blog_Steuererklarung-Fristverlangerung_business-man-working-in-a-modern-office-meditatin-2023-11-27-05-34-09-utc-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\/tax-return-deadline-extension-2023-per-canton\/\">Tax return deadline extension 2024 per canton<\/a><\/h3><div class=\"stk-block-posts__excerpt has-text-color\">As a private individual, you have to submit your tax return by the end of March in most cantons. Do you want to apply for an extension? Or do you want to know how long you can extend and what happens if you miss the deadline? Find out all about it in the specialist article&#8230;.<\/div><a class=\"stk-block-posts__readmore has-text-color\" href=\"https:\/\/www.smolio.ch\/en\/wissen\/tax-return-deadline-extension-2023-per-canton\/\">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-text stk-block-text stk-block stk-4861aba\" data-block-id=\"4861aba\"><p class=\"stk-block-text__text\">For example, Valais levies five provisional installments, the canton of Bern three (May 20, August 20, November 20). Ticino also levies three installments, but on different dates (May 1, July 1 and September 1). In Zurich, there is a general due date of September 30. There is also a due date in Aargau, but the reference date there is October 31.     <\/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-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-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\">\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\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-6336c7d\" id=\"tipps-rund-ums-steuern-vorauszahlen\" data-block-id=\"6336c7d\"><h2 class=\"stk-block-heading__text\">Tips on paying taxes in advance<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-1df5d4f\" data-block-id=\"1df5d4f\"><p class=\"stk-block-text__text\">Canton or not &#8211; there are still some general tips for your tax money.<\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-a967e6c\" id=\"tipp-1-punktlich-steuern-zahlen\" data-block-id=\"a967e6c\"><h2 class=\"stk-block-heading__text\">Tip 1: Pay taxes on time<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-5b36527\" data-block-id=\"5b36527\"><p class=\"stk-block-text__text\">As you always pay higher interest on late payments than you get from the bank, it&#8217;s not worth putting off tax installments that are due. Pay on time to optimize your finances. <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-067c56d\" id=\"tipp-2-steuern-vorauszahlen-wenn-es-vorauszahlungszins-gibt\" data-block-id=\"067c56d\"><h2 class=\"stk-block-heading__text\">Tip 2: Pay taxes in advance if there is prepayment interest<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-86ea0eb\" data-block-id=\"86ea0eb\"><p class=\"stk-block-text__text\">Most banks do not pay any interest on private accounts and still pay a measly minimum interest on savings accounts. If you receive a prepayment interest rate from the tax authorities that is higher than the bank interest rate, it makes sense to pay your taxes in advance. Although the prepayment interest rate is low in most cantons, the small optimization is worthwhile. This way you get a little more out of your money.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-b296972\" data-block-id=\"b296972\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-6834\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/02185101\/Smolio_Blog_Steuern-vorauszahlen-2.webp\" width=\"1200\" height=\"800\" alt=\"Pay taxes in advance 2024\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/02185101\/Smolio_Blog_Steuern-vorauszahlen-2.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/02185101\/Smolio_Blog_Steuern-vorauszahlen-2-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/02185101\/Smolio_Blog_Steuern-vorauszahlen-2-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/02185101\/Smolio_Blog_Steuern-vorauszahlen-2-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/02185101\/Smolio_Blog_Steuern-vorauszahlen-2-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/02185101\/Smolio_Blog_Steuern-vorauszahlen-2-400x267.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/span><\/figure><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-6463d7b\" id=\"tipp-3-kantons-und-bundessteuer-separat-planen\" data-block-id=\"6463d7b\"><h2 class=\"stk-block-heading__text\">Tip 3: Plan cantonal and federal tax separately<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-a563e65\" data-block-id=\"a563e65\"><p class=\"stk-block-text__text\">From the point of view of the tax administration, advance payments for the federal government and the canton go to different accounts. You should therefore plan the expected tax separately for the Confederation and the canton. If you pay too much to the federal government and too little to the canton (or vice versa), this can lead to interest on arrears or zero interest due to overpayment. It makes no sense to pay <em>more<\/em> tax in advance than you expect to pay in total.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-239dc34\" id=\"tipp-4-quellenbesteuerte-sollten-nicht-zu-wenig-bezahlen\" data-block-id=\"239dc34\"><h2 class=\"stk-block-heading__text\">Tip 4: Withholding taxpayers should not pay too little<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-c292af2\" data-block-id=\"c292af2\"><p class=\"stk-block-text__text\">For taxpayers subject to withholding tax, the withholding tax deducted should ideally cover the tax owed. If too much withholding tax was deducted, you will receive a refund with the refund interest. If too little was deducted, you will receive an additional charge with the higher default interest rate. So make sure that you don&#8217;t pay too little, otherwise it will be expensive.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-bb01f97\" id=\"neben-steuern-vorauszahlen-gibt-es-aber-noch-mehr-moglichkeiten-wie-du-durch-fruhzeitige-zahlungen-deine-finanzen-optimieren-kannst-weisst-du-wie-gross-der-effekt-eines-a-href-https-www-smolio-ch-de-wissen-detail-jahresanfang-saeule-3-a-einzahlen-zahlungswechsels-fur-die-saule-3-a-a-vom-jahresende-auf-den-jahresanfang-hat\" data-block-id=\"bb01f97\"><p class=\"stk-block-text__text\">In addition to paying taxes in advance, there are other ways you can optimize your finances by making early payments.\nDo you know the effect of <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-at-the-beginning-of-the-year-the-early-bird-gets-more\/\">switching your pillar 3a payments<\/a> from the end of the year to the beginning of the year? <\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-3h94g1e stk-block-background callout\" data-block-id=\"3h94g1e\" data-block-type=\"core\" data-block-type=\"core\"><style>.stk-3h94g1e{background-color:#02b875 !important;margin-bottom:40px !important}.stk-3h94g1e:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-3h94g1e-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-p3rxjte\" data-v=\"4\" data-block-id=\"p3rxjte\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-p3rxjte-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-p3rxjte-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-bhwtrs8\" data-block-id=\"bhwtrs8\"><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-vhar8cx\" data-v=\"4\" data-block-id=\"vhar8cx\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-vhar8cx-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-vhar8cx-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-columns stk-block-columns stk-block stk-83b6411 stk-block-background\" data-block-id=\"83b6411\" data-block-type=\"core\" data-block-type=\"core\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-83b6411-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-f2ad0b4\" data-v=\"4\" data-block-id=\"f2ad0b4\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-f2ad0b4-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-f2ad0b4-inner-blocks\">\n<h4 class=\"wp-block-heading has-small-font-size\" id=\"h-disclaimer\">Disclaimer<\/h4>\n\n\n\n<p class=\"has-small-font-size\" 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\">We have taken great care in compiling the content of this article. Nevertheless, we cannot rule out errors and cannot guarantee that the content is correct, up-to-date or complete. This article does not replace tax advice. We do not offer investment or tax advice and recommend that tax issues are always clarified with a tax expert and\/or the relevant cantonal tax authorities. Any liability is rejected.    <\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<p data-block-type=\"core\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>We pay taxes either all at once or in fixed tax installments. Paying taxes in advance means voluntarily paying the taxes you expect to pay in advance. This can be worthwhile.   Why?<\/p>\n","protected":false},"author":8,"featured_media":6825,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2192],"tags":[2490,2197,2489,2488,2487],"class_list":{"0":"post-8701","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-save-taxes","8":"tag-bank-interest","9":"tag-cantonal-tax","10":"tag-compensation-interest","11":"tag-prepayment-interest","12":"tag-tax-prepayment"},"nelio_content":{"autoShareEndMode":"never","automationSources":{"useCustomSentences":false,"customSentences":[]},"efiAlt":"","efiUrl":"","followers":[],"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\/02170713\/Smolio_Blog_Steuern-vorauszahlen-1.webp",1200,800,false],"thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/02170713\/Smolio_Blog_Steuern-vorauszahlen-1-315x210.webp",315,210,true],"medium":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/02170713\/Smolio_Blog_Steuern-vorauszahlen-1-800x533.webp",800,533,true],"medium_large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/02170713\/Smolio_Blog_Steuern-vorauszahlen-1-768x512.webp",768,512,true],"large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/02170713\/Smolio_Blog_Steuern-vorauszahlen-1.webp",1140,760,false],"1536x1536":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/02170713\/Smolio_Blog_Steuern-vorauszahlen-1.webp",1200,800,false],"2048x2048":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/02170713\/Smolio_Blog_Steuern-vorauszahlen-1.webp",1200,800,false],"davenport-blog-thumb":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/02170713\/Smolio_Blog_Steuern-vorauszahlen-1-1140x694.webp",1140,694,true],"davenport-blog-thumb-grid":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/02170713\/Smolio_Blog_Steuern-vorauszahlen-1-555x360.webp",555,360,true],"davenport-blog-thumb-widget":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/02170713\/Smolio_Blog_Steuern-vorauszahlen-1-220x180.webp",220,180,true],"davenport-blog-thumb-masonry":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/02170713\/Smolio_Blog_Steuern-vorauszahlen-1-360x240.webp",360,240,true],"woocommerce_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/02170713\/Smolio_Blog_Steuern-vorauszahlen-1-300x300.webp",300,300,true],"woocommerce_single":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/02170713\/Smolio_Blog_Steuern-vorauszahlen-1-400x267.webp",400,267,true],"woocommerce_gallery_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/04\/02170713\/Smolio_Blog_Steuern-vorauszahlen-1-300x300.webp",300,300,true]},"post_excerpt_stackable_v2":"<p>We pay taxes either all at once or in fixed tax installments. Paying taxes in advance means voluntarily paying the taxes you expect to pay in advance. This can be worthwhile.   Why?<\/p>\n","category_list_v2":"<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\/8701","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=8701"}],"version-history":[{"count":5,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8701\/revisions"}],"predecessor-version":[{"id":10239,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8701\/revisions\/10239"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media\/6825"}],"wp:attachment":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media?parent=8701"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/categories?post=8701"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/tags?post=8701"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}