During discussions at the latest Meetup in Zurich I realized that since my expenses for the year are at around 100k CHF including taxes, my FI expenses would be roughly 36k CHF lower. And an income of 70k CHF would lead to only 9k CHF in taxes, so my real FI expenses would be around 75k CHF.
What other things have to be considered for the FI number? I’m unclear about things like:
- Keep paying for AHV Pillar 1 until 65? How much would that be?
- Keep paying for Pillar 2? is it possible?
- Keep paying into Pillar 3a to get nice tax deductions?
Anything else I’m missing like increased health insurance premiums because one needs to cover for accident insurance which is usually payed by the employer?