Geneva Tax deductions: Health insurance, remote work, daycare

[leman]

Good evening!

I will soon have to submit the ordinary declaration in Geneva. Maybe you can offer me some help

Federal tax being relatively low, I will focus here on ICC deductions.

• Health insurance:
  I pay the cheapest Assura, that’s 3829.20 francs.
  I would like to know if I can deduct the standard 5777 francs that’s deducted for people taxed at source, or if I need to stick to the sum I paid (page 37).

• Remote work
  It seems that AFC changed its mind recently, and that we cannot claim remote work expenses (mostly the rental of a dedicated room). Did any of you succeed in claiming such deductions?

A treacherous word was added to the remote work definition. It’s not on GeTax guide, but in the e-mail they sent afterwards.

Sous l’angle fiscal, le télétravail se définit comme l’occupation durable
d’une pièce uniquement dédiée à l’activité professionnelle.

It’s a bit annoying, when you see that Kanton Bern gives many details on how to deduct such expenses.

• Transportation and lunch
  Fine, let’s suppose that we can’t claim remote work expenses. Let’s claim transport and lunch then.

But I live less than 30mn from my office. Does that mean that I’d be better off if I stick to the standard deduction of 3% and 1697 francs maximum?

Les frais de repas (15.- par jour, max. 3’200.- par an) ne sont admis que
si, pour le contribuable salarié, l’utilisation des transports publics pour
se rendre de son domicile à son lieu de travail et en revenir aboutit à
une durée excédant deux heures par jour.

• Wealth management fees:
  Ist there a standard deduction in Geneva as well, like the 298 francs that our host deducts?

Thanks for your help

[s-g]

@leman

I would like to know if I can deduct the standard 5777 francs that’s deducted for people taxed at source, or if I need to stick to the sum I paid (page 37).

If you’re not taxed at source you can completely disregard the taxation at source document, in this case simply declare the actual expenses as pointed out in the tax guide you linked.

@leman

But I live less than 30mn from my office. Does that mean that I’d be better off if I stick to the standard deduction of 3% and 1697 francs maximum?

Les frais de repas (15.- par jour, max. 3’200.- par an) ne sont admis que
si, pour le contribuable salarié, l’utilisation des transports publics pour
se rendre de son domicile à son lieu de travail et en revenir aboutit à
une durée excédant deux heures par jour.

2*30 minutes is less than 2 hours so I think it’s clear you can’t deduct the lunch expenses.

@leman

Wealth management fees:
Ist there a standard deduction in Geneva as well, like the 298 francs that our host deducts?

This depends on the canton, from what I see on page 16 of your tax guide there’s no mention of a flat rate deduction whatsoever so you should just declare the actual fees they list as admissible.

[FunnyDjo]

Is there any tips on how déclare daycare costs on GeTax ?
Should I just fill both IFD and ICC cells respecting the maximum respectively 25k and 25’048.- ?

[Barto]

@FunnyDjo

Should I just fill both IFD and ICC cells respecting the maximum respectively 25k and 25’048.- ?

You need to provide invoices. If you put your cursor in the cell the guide will pop up on the right which tells you this.

Watch-out: if you claim 1CHF of frais effectif for a kid in the ICC cell, then in the “autres deductions” section of the return the “charges de famille” standard deduction reduces from 13,000 to 10,000 (the pop-ups explain this too).

Example: for our oldest kid we have <3000 CHF frais effectif in 2023 so we will not claim frais effectif for ICC. We will get the 13,000 standard deduction. I still need to read how it works for IFD - have not started my return yet