Tax optimisation in function of revenue, canton and health insurance

Taxes
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So for context my revenu recently increased and what I could deduce decreased … so I got bullied by my canton (NE) with taxes

I know that NE as among the cheapest rent in switzerland but at this point I cannot believe that Neuchâtel is the cheapest canton in Neuchâtel.

Therefore I did some research using a few tools like that beautiful fiscal calculator there : Swiss Tax calculator

That allows you to simulate how much you are going to pay based on your geographical position !

I then put it in an excel table with “average rent price per canton” and “lowest health insurance price per canton”. Summed everything over 12 months and 20 years !

I figured out that living in Appenzel interior will save you 10k a year compared to living in geneva with a revenue of 100k !

Here attached is the raw table. i’m looking to plot it in a more dynamic figure to make it more enjoyable to play with but from now on you can have a look in the raw data. Feel free to contact me so I can send your the raw excel file and you can change your revenue level in cell B30 ! It’s very experimental still …

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I know there’s a lot of people from Vaud here so you might consider mooving to primitive switzerland !

5 Likes
2

Looks good. It could help géo tax arbitration.
But hard to do once you are married or you have kids as it will be more difficult to move.
Once you secured a daycare you won’t move before the next 4 years.

You could format the number with round 2 as financial number to be more readable.
You could also include transportation cost, parking, car maintenance vs train ticket subscription to commute to your work place.

1 Like
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This is great! well done…
Do you think you could share as google sheet format?

Thanks!

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Sorry I don’t know why I left so many days witouth connexion lol.

Well I didn’t include train ticket because GA is the same price wherever in switzerland but of course it wouldn’t make sense to live in Appenzel and work in Geneva … (except with a lot of home office and only one or two days a week at office) On the more GA is the sane price wherever in switzerland. You can go down to your local yearly abo if you live in the very same city as you work but then it wouldn’t make sense to move …

Gasoline if you drive is also a function of the distance to the reffinery super cheap in “Crissier” and more expensive in cities out of main axis and far … basically gas is cheaper in Zurich than in “La Chaux-de-Fonds” and is very variable …

Then when it comes to “car maintenance” I guess that if you go to your generic VW/Audi dealership (big brands) price will be harmonized ? Is it ?

I would definitely format the numbers but what would be interesting is to plot a function depending of revenue and have one line for each Canton :heart_eyes:

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Well I wanted to improve it before but here you have a first version.

I really hate google sheets because it has 0 compatibility features with excel, plus i’m currently using my professional computer so every sharing features are blocked.

But the table is quite simple (you’ll find it hereafter)

The first five rows until "impôts % de revenu (moyenne des communes) is raw data you can juste copy and paste it.

The code for next rows are :
“Impôts en fonction du revenu annuel” : =E7/100*$B$30 where $B$30 is the annual revenue at the bottom
“Impôts mensuel” is : =F7/12
“total mensuel” is : C+D+G

Also it’s important to recall that imposition percentage also elvolves with the revenue so plotting it is not straightforward …
Hope it helps and really sorry for the mess ! I’ll share again when it shows nice curves !

Abréviation Canton Loyen Moyen Assurance malaide moyenne Impôts % de revenu (moyenne des communes) Impôts en fonction du revenu annuel Impôts Mensuels Total Mensuel Total Annuel Total 20 ans Delta vs AI (20 ans) Delta vs GE (20 ans)
AI Appenzell Rh.-I. 1131 178.5 10.82277778 10822.77778 901.8981481 2211.398148 26536.77778 530735.5556 0 213657.1358
UR Uri 1152 196 11.49730994 11497.30994 958.1091618 2306.109162 27673.30994 553466.1988 22730.64327 190926.4925
GL Glaris 1122 222.35 12.37222222 12372.22222 1031.018519 2375.368519 28504.42222 570088.4444 39352.88889 174304.2469
OW Obwald 1283 186 12.13365079 12133.65079 1011.137566 2480.137566 29761.65079 595233.0159 64497.46032 149159.6755
SZ Schwytz 1546 215 8.267148148 8267.148148 688.9290123 2449.929012 29399.14815 587982.963 57247.40741 156409.7284
JU Jura 907 309.7 15.54467505 15544.67505 1295.389588 2512.089588 30145.07505 602901.501 72165.94549 141491.1903
GR Grisons 1228 213.3 12.60091309 12600.91309 1050.076091 2491.376091 29896.51309 597930.2618 67194.70627 146462.4295
TG Thurgovie 1213 232.4 12.57116667 12571.16667 1047.597222 2492.997222 29915.96667 598319.3333 67583.77778 146073.358
SH Schaffouse 1193 261 12.48153846 12481.53846 1040.128205 2494.128205 29929.53846 598590.7692 67855.21368 145801.9221
AR Appenzell Rh.-E. 1174 220.9 13.53538889 13535.38889 1127.949074 2522.849074 30274.18889 605483.7778 74748.22222 138908.9136
ZG Zoug 1837 196.8 5.305454545 5305.454545 442.1212121 2475.921212 29711.05455 594221.0909 63485.53535 150171.6004
NW Nidwald 1469 198.5 10.38313131 10383.13131 865.2609428 2532.760943 30393.13131 607862.6263 77127.07071 136530.0651
TI Tessin 1155 301.6 13.26367284 13263.67284 1105.30607 2561.90607 30742.87284 614857.4568 84121.90123 129535.2346
SG Sait-Gall 1192 250 13.54819625 13548.19625 1129.016354 2571.016354 30852.19625 617043.925 86308.36941 127348.7664
VS Valais 1127 235.2 15.51408925 15514.08925 1292.840771 2655.040771 31860.48925 637209.7851 106474.2295 107182.9063
AG Argovie 1341 234.2 12.91416667 12914.16667 1076.180556 2651.380556 31816.56667 636331.3333 105595.7778 108061.358
LU Lucerne 1324 240.25 13.20490278 13204.90278 1100.408565 2664.658565 31975.90278 639518.0556 108782.5 104874.6358
SO Soleure 1145 256.5 15.85685358 15856.85358 1321.404465 2722.904465 32674.85358 653497.0717 122761.5161 90895.61971
ZH Zurich 1550 287.1 10.89024005 10890.24005 907.5200046 2744.620005 32935.44005 658708.8011 127973.2455 85683.89026
BS Bâle-Ville 1279 347.2 13.93296296 13932.96296 1161.080247 2787.280247 33447.36296 668947.2593 138211.7037 75445.4321
NE Neuchâtel 982 329.2 18.21300412 18213.00412 1517.750343 2828.950343 33947.40412 678948.0823 148212.5267 65444.60905
FR Fribourg 1218 296 15.57191358 15571.91358 1297.659465 2811.659465 33739.91358 674798.2716 144062.716 69594.41975
BE Berne 1182 310.7 16.45900033 16459.00033 1371.583361 2864.283361 34371.40033 687428.0066 156692.451 56964.6848
BL Bâle-Campagne 1379 313.2 15.45458656 15454.58656 1287.882214 2980.082214 35760.98656 715219.7313 184484.1757 29172.96009
VD Vaud 1330 316.9 16.39906667 16399.06667 1366.588889 3013.488889 36161.86667 723237.3333 192501.7778 21155.35802
GE Genève 1416 341.7 16.12723457 16127.23457 1343.936214 3101.636214 37219.63457 744392.6914 213657.1358 0
Revenu (mensuel) 100’000