A first eligibility screen for people living abroad and working in Switzerland, followed by a comparison of the complete tax position.
01In which canton are you taxed?
02What is your household’s worldwide gross income?
03How much of that income is taxable in Switzerland?
Start with the essentials, explore the trade-offs, then compare written terms for your situation.
Living in France and working in Switzerland is not enough to determine the tax result. Establish the employment canton, residence, household position and tax already withheld. Geneva and other cantons can involve different procedures. International-organisation income and telework require individual classification rather than assumptions based only on the employer’s address.
The Geneva 90% screen addresses one quasi-resident route. It does not compare ordinary tax with withholding. Before requesting TOU, assemble worldwide income, spouse income, relevant assets and deductions, then calculate the complete household position. A deductible 3a payment can change one line without making the overall assessment favourable.
List your Swiss pension certificates, French pension rights and current health arrangement. Review any applicable health-insurance choice or exemption with the competent authority before switching. If you stop Swiss work, reassess contributions, accident protection and vested-benefits arrangements together so that an employment change does not leave a coverage gap.
| Option or layer | What to understand and check |
|---|---|
| Eligibility review | Which canton and procedure apply, and what evidence is required? |
| Tax comparison | Complete ordinary assessment versus tax already withheld. |
| Pension review | Coordinate 3a, pension buy-ins, health cover and foreign rights. |
No. Eligibility and the final tax outcome are separate checks; use the full household calculation.
For Geneva’s main quasi-resident route, at least 90% of worldwide gross income must be taxable in Switzerland, including both spouses for a married couple.
Meeting the ratio does not establish whether a subsequent ordinary assessment saves tax. Other eligibility routes may exist.
Review income, assets and deductions as a whole with the competent canton. The Swiss-resident calculator is not a cross-border tax comparison.
Turn working-location records into a practical tax and pension coordination tool.
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Look beyond the deposit to retirement benefits, taxes, lender conditions and the future sale.
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A spouse’s work, property income and international-employer status belong in the same review.
Read article →Yes. A first conversation of around 20–30 minutes is free and without obligation. Any further fees are explained before you agree.
No. Tools provide information or estimates. Personal advice, underwriting, policy terms and lender approval remain necessary where applicable.
Yes. We start by understanding your existing arrangements, then compare the relevant alternatives and switching conditions.
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