Observations
A sample return
One employer, a first year of IBKR stocks, pillar 3a, health insurance — a complete return, card by card.
The note written on upload
“First year declaring stocks — opened an IBKR account in January. Pillar 3a at my employer's foundation. Same apartment in Lausanne all year.”
What usually goes wrong
Four things come up again and again. This return has all of them, so you can see what each one looks like when it is caught.
- A statement from the wrong year
- Insurers and banks post several years of documents. The sample has a 2023 health statement in a 2025 filing — the re-check catches it and asks for the right one.
- A first year with a broker
- The first securities year is the one people ask about most. What goes in the return is the tax statement, not a list of trades typed in by hand.
- Moving canton mid-year
- You file one return, in the canton you lived in on 31 December. That canton taxes the whole year, and what you paid the old one comes back to you.
- Guessing at a cap
- Pillar 3a and insurance premiums both have limits that change. The guide shows the cap next to the value, so you are not working from last year's number.
The documents
Open a row to see the document next to what was read from it.
The guide
One card per document. Each entry is a field in the canton's official tax app, the value to type, and how to get there. Tick them off as you enter them.
Salaire net (net salary)Chiffre 11
72'860
- Copy chiffre 11 from the certificate — the net amount, after social deductions.
- Don't subtract anything yourself: the official app derives the deductions.
Période d'emploi (employment period)
01.01 – 31.12.2025
- Confirm the full-year period so nothing gets annualised twice.
0 of 2 entered into eTax
Steuerauszug (tax statement)eCH-0196
1 PDF
- Attach the statement in the securities section of your tax app.
- Positions, income and DA-1 values import from it — nothing to type by hand.
Total de contrôle (check total)
39'351
- After the import, the securities total should read 39'351 — broker cash is already inside.
0 of 2 entered into eTax
Cotisations 3a (contributions)
Below the CHF 7'258 maximum for employees with a pension fund in 2025.
6'000
- Type the attested amount and keep the certificate — it's a justificatif (supporting document).
0 of 1 entered into eTax
Corrections happen in chat
You
The Cotisations 3a value of 6'000 looks wrong. I paid more in December.
Assistant
The attestation you uploaded shows 6'000 — a December top-up may have missed it. Ask your 3a foundation for the final 2025 attestation; upload it and I'll update the entry and re-run the cap check (CHF 7'258 maximum).
Once the guide is built, a second pass reads it back against the documents. Findings arrive the same way:
Assistant
I re-checked the guide against your documents. The KPT statement you uploaded is the 2023 Auszug (statement), not 2025 — I removed its numbers from the guide and added a waiting card for the health-insurance premium. Ask KPT for the 2025 statement and drop it here.