My wife recently re-entered the workforce part-time. Due to this and due to the new tax-at-source policy (we are on permit B), we will need to do our first full tax return next year (for 2021).
I max out my 3rd pillar every year and this has just gotten more interesting as my employer is now applying the double earner tax table which has doubled my rate (wife currently pays little-to-no income tax). Our gross earnings over the course of the year will probably be split about 75/25. I am wondering if it is worth it that she opens a 3rd pillar account and we also max it out. My thinking is yes, as we must do the return as a couple, so we can therefore deduct 2*6883 Fr. Or am I missing something here?
Another somewhat unrelated thing: my canton assumes a certain amount (about 4k Fr.) for work-related transportation costs in their tax-at-source calculations. We both cycle everywhere so our work-related transport expenses are basically 0. Will this be a problem or will we be able to just claim a standard amount in the full return with no documents?