Steuererkl\u00e4rung: So optimierst du deine Abz\u00fcge - 20 Minuten<\/title><meta name=\"title\" content=\"Steuererkl\u00e4rung: So optimierst du deine Abz\u00fcge\"\/><meta name=\"description\" content=\"Bis Ende Monat m\u00fcssen die meisten Schweizer die Steuererkl\u00e4rung einreichen. 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Mit diesen Tipps und Tricks kannst du deine Steuerlast optimieren.\"\/><meta property=\"twitter:image:src\" content=\"https:\/\/media.20min.ch\/6\/image\/2023\/12\/26\/e46269e6-8596-410b-9637-7b60bacc30b3.jpeg?auto=format%2Ccompress%2Cenhance&fit=crop&w=1200&h=675&rect=0%2C0%2C2048%2C1365&fp-x=0.5&fp-y=0.5003663003663004&crop=focalpoint&s=cf0015777508ef07d3fb34b46fe51517\"\/><script type=\"application\/ld+json\">{\"@context\":\"http:\/\/schema.org\",\"@type\":\"NewsArticle\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.20min.ch\/story\/12-tipps-frist-fuer-steuererklaerung-laeuft-bald-ab-so-sparst-du-geld-103296759\"},\"publisher\":{\"@type\":\"NewsMediaOrganization\",\"name\":\"20 Minuten\",\"url\":\"https:\/\/www.20min.ch\",\"email\":\"redaktion@20minuten.ch\",\"telephone\":\"+41(0)442486820\",\"sameAs\":[\"https:\/\/www.facebook.com\/20min\",\"https:\/\/twitter.com\/20min\",\"https:\/\/www.instagram.com\/20min.ch\",\"https:\/\/de.wikipedia.org\/wiki\/20_Minuten\"],\"ownershipFundingInfo\":\"https:\/\/www.20min.ch\/impressum\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\/\/www.20min.ch\/icons\/20min_de.png\",\"width\":144,\"height\":192}},\"headline\":\"Steuererkl\u00e4rung: So optimierst du deine Abz\u00fcge\",\"alternativeHeadline\":\"12 Tipps: Frist f\u00fcr Steuererkl\u00e4rung l\u00e4uft bald ab \u2013 so sparst du Geld\",\"description\":\"Bis Ende Monat m\u00fcssen die meisten Schweizer die Steuererkl\u00e4rung einreichen. Mit diesen Tipps und Tricks kannst du deine Steuerlast optimieren.\",\"articleBody\":\"Die Frist f\u00fcr die Einreichung der Steuererkl\u00e4rung l\u00e4uft in den meisten Kantonen am 31. M\u00e4rz ab. Wer keine Verl\u00e4ngerung beantragt, sollte sich nun damit besch\u00e4ftigen. Wie sparst du Geld ? Steuerspezialist Oliver W\u00e4lti vom VZ Verm\u00f6genszentrum sagt auf Anfrage, auf welche 12 Punkte du achten musst. Tipp 1: Sammle alle relevanten Dokumente \u00abWer gut organisiert ist und alle wichtigen Steuerdokumente schon unter dem Jahr sammelt, spart oft Geld\u00bb, sagt W\u00e4lti. So fehlen beim Ausf\u00fcllen der Steuererkl\u00e4rung keine wichtigen Quittungen, die man abziehen kann. Tipp 2: F\u00fclle die Steuererkl\u00e4rung elektronisch aus F\u00fcllst du die Steuererkl\u00e4rung h\u00e4ndisch aus? Ein Umstieg auf die elektronische L\u00f6sung kann sich lohnen: So kannst du die Pauschalabz\u00fcge nicht vergessen, weil sie automatisch abgezogen werden, wie W\u00e4lti sagt. Tipp 3: Ziehe die Kosten f\u00fcr den Arbeitsweg ab F\u00e4hrst du mit dem \u00d6V zur Arbeit, kannst du die Fahrtkosten abziehen. Nutzt du ein Privatauto, weil du gegen\u00fcber dem \u00d6V \u00fcber eine Stunde sparst oder es dein Job verlangt, sind es 70 Rappen pro Kilometer. Der Fahrkostenabzug ist begrenzt. Bei den Bundessteuern liegt die Grenze bei 3200 Franken. \u00abAuch f\u00fcrs Velo, E-Bike und T\u00f6ffli \u2013 auch f\u00fcr die Fahrt zum Bahnhof \u2013 kann man 700 Franken abziehen, das geht oft vergessen\u00bb, sagt W\u00e4lti. Tipp 4: Ausw\u00e4rtige Verpflegung ist abzugsf\u00e4hig Reicht dir die Mittagspause f\u00fcr eine Heimkehr nicht aus, kannst du die Mehrkosten f\u00fcr ausw\u00e4rtige Verpflegung abziehen \u2013 bei einer Vollzeitstelle betr\u00e4gt der Abzug 3200 Franken. Gibt es eine verg\u00fcnstigte Kantine, sind es 1600 Franken. Tipp 5: Vergiss die Versicherungspr\u00e4mien nicht Auch die Pr\u00e4mien f\u00fcr deine Kranken-, Unfall- und Lebensversicherung sind abzugsf\u00e4hig. F\u00fcr erwerbst\u00e4tige Alleinstehende mit Pensionskassenanschluss oder Beitr\u00e4gen in die S\u00e4ule 3a betr\u00e4gt der Maximalbetrag auf Bundesebene 1800 Franken, bei Verheirateten 3600 Franken. Kantonal liegt die Spanne\u00a0zwischen 1700 Franken und 5400 Franken bei Alleinstehenden. Tipp 6: Spenden reduzieren deine Steuerlast \u00abSpenden an \u00f6ffentliche Anstalten und gemeinn\u00fctzige Organisationen mit Sitz in der Schweiz sind abzugsf\u00e4hig, bis zu maximal 20 Prozent vom Nettoeinkommen\u00bb, sagt W\u00e4lti. Tipp 7: Liste deine Gesundheitskosten auf Hast du eine neue Brille oder musst du oft zum Zahnarzt? Bewahre die Rechnungen auf und liste sie bei den Steuern auf. \u00abMachen die selbst bezahlten Rechnungen inklusive Selbstbehalt der Krankenkasse mehr als f\u00fcnf Prozent deines Nettoeinkommens aus, sollte man sie unbedingt abziehen\u00bb, so W\u00e4lti. Tipp 8: Ziehe die Kosten f\u00fcr Kinderbetreuung ab \u00abViele Kantone ziehen mit dem Bund gleich und erh\u00f6hen den Abzug bei den Kosten f\u00fcr Drittbetreuung der Kinder auch bei den Kantons- und Gemeindesteuern\u00bb, sagt W\u00e4lti. Bis zum 14. Lebensjahr kann man bei der direkten Bundessteuer pro Kind bis zu 25'500 Franken abziehen. Bei den Kantonen neu in vergleichbarer H\u00f6he. Tipp 9: Alimente und Unterhaltsbeitr\u00e4ge abziehen Wer Alimente und Unterhaltsbeitr\u00e4ge f\u00fcr Kinder bezahlen muss, kann diese bei der Steuererkl\u00e4rung angeben. Es lohne sich darum, vorhandene Trennungsvereinbarungen oder Scheidungsurteile gleich mitzuschicken. Tipp 10: Verm\u00f6gensverwaltungskosten angeben Bei Wertschriften sind die Verwaltungs- und Verwahrungskosten durch Dritte abzugsf\u00e4hig. Zus\u00e4tzlich kannst du nicht nur Schuldzinsen von Hypotheken oder Krediten abziehen, sondern auch Verzugszinsen. Tipp 11: Bilde dich weiter und ziehe die Kosten ab Auslagen f\u00fcr Umschulungen und berufliche Aus- und Weiterbildungen sind abzugsf\u00e4hig. \u00abDabei kann man nur die Kosten abziehen, die man selbst tr\u00e4gt, auf Bundesebene bis zu 12'900 Franken\u00bb, sagt W\u00e4lti \u2013 inklusive ausw\u00e4rtige Verpflegung, Reisekosten, einen Anteil an Laptop und Literatur. Tipp 12: Steuern sparen mit der Altersvorsorge Sparst du mit der S\u00e4ule 3a privat f\u00fcrs Alter, kannst du bis zu 7056 Franken abziehen. \u00abHat man das Geld, lohnt es sich, diesen Betrag am Beginn des Jahres einzuzahlen \u2013 f\u00fcr 2025 sind es maximal 7258 Franken\u00bb, sagt W\u00e4lti. Selbst\u00e4ndige ohne Pensionskassenanschluss k\u00f6nnen bis zu 35\u2019280 Franken oder maximal 20 Prozent ihres Erwerbseinkommens einzahlen.\",\"image\":[],\"datePublished\":\"2025-03-08T04:51:14+01:00\",\"dateModified\":\"2025-03-08T04:51:14+01:00\",\"author\":[{\"@type\":\"Person\",\"name\":\"Marcel Urech\"}],\"video\":[],\"keywords\":\"\",\"hasPart\":[{\"@type\":\"Collection\",\"image\":[{\"@type\":\"ImageObject\",\"ContentUrl\":\"https:\/\/media.20min.ch\/6\/image\/2023\/12\/26\/c76cca2b-a58e-4ee5-b571-0dbd0526ca15.jpeg?auto=format%2Ccompress%2Cenhance&fit=max&w=1200&h=1200&rect=0%2C0%2C2048%2C1365&fp-x=0.5&fp-y=0.5003663003663004&s=d11e368fa3d29cab9dd9110d2c57673d\",\"caption\":\"Wer sich beim Ausf\u00fcllen der Steuererkl\u00e4rung etwas Zeit nimmt, kann viel Geld sparen.\",\"creditText\":\"20min\/Celia Nogler\"},{\"@type\":\"ImageObject\",\"ContentUrl\":\"https:\/\/media.20min.ch\/6\/image\/2023\/12\/26\/cb70b0e4-4aed-4903-855a-d71dada4057c.jpeg?auto=format%2Ccompress%2Cenhance&fit=max&w=1200&h=1200&rect=0%2C0%2C2048%2C1365&fp-x=0.5&fp-y=0.5003663003663004&s=6910e2cd45d0aa6871df4cce132bf047\",\"caption\":\"Diverse Ausgaben kann man von den Steuern abziehen, etwa Weiterbildungen und Spenden.\",\"creditText\":\"20min\/Celia Nogler\"},{\"@type\":\"ImageObject\",\"ContentUrl\":\"https:\/\/media.20min.ch\/6\/image\/2023\/12\/26\/e46269e6-8596-410b-9637-7b60bacc30b3.jpeg?auto=format%2Ccompress%2Cenhance&fit=max&w=1200&h=1200&rect=0%2C0%2C2048%2C1365&fp-x=0.5&fp-y=0.5003663003663004&s=4221562cb92b65f3151e788a7b3dc47f\",\"caption\":\"Wer die Steuererkl\u00e4rung nicht auf Papier, sondern elektronisch ausf\u00fcllt, profitiert von verlinkten Tipps und Wegleitungen.\",\"creditText\":\"20min\/Celia Nogler\"}]}],\"articleSection\":\"Wirtschaft\"}<\/script><meta name=\"next-head-count\" 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class=\"sc-6821256f-0 bXwfqn sc-3584b39c-0 hDUYcV sc-c5c57201-0 eiBLnd sc-c5c57201-1 jipLa-d\"><div id=\"\/23178153471\/de-20minuten.ch\/inside-sticky\/wirtschaft\" data-ad-unit-id=\"\/23178153471\/de-20minuten.ch\/inside-sticky\/wirtschaft\" style=\"justify-content:center;align-items:center;text-align:center;display:flex;height:100%;background-color:transparent\"><\/div><\/aside><\/div><\/nav><\/div><div id=\"\/23178153471\/de-20minuten.ch\/outside-welcome\/wirtschaft\" data-ad-unit-id=\"\/23178153471\/de-20minuten.ch\/outside-welcome\/wirtschaft\" style=\"justify-content:center;align-items:center;text-align:center;display:flex;height:100%;background-color:transparent\"><\/div><div class=\"layout_layout__yR_n_ layout_contentType__8IYJ_\"><div class=\"layout_content__6MprE\"><section class=\"sc-46060ef-0 WIfmU sc-91f9da13-0 jFqVIG\"><div class=\"sc-46060ef-1 pIKlK\"><a href=\"\/\" class=\"sc-46060ef-2 sc-46060ef-4 gJkAGz eeHRbX\">Front<\/a><span class=\"sc-46060ef-5 iIeaQS\">|<\/span><a href=\"\/wirtschaft\" class=\"sc-46060ef-2 sc-46060ef-4 gJkAGz eeHRbX\">Wirtschaft<\/a><span class=\"sc-46060ef-5 iIeaQS\">|<\/span><\/div><h1 class=\"sc-46060ef-3 sc-46060ef-6 csIspw egCqAn\">Steuererkl\u00e4rung: So optimierst du deine Abz\u00fcge<\/h1><\/section><div class=\"ContentPage_contentPage__YqKjN\"><div class=\"ContentPage_insideFullTopPlaceholder__g16GO\"><div id=\"\/23178153471\/de-20minuten.ch\/inside-full-top\/wirtschaft\" data-ad-unit-id=\"\/23178153471\/de-20minuten.ch\/inside-full-top\/wirtschaft\" style=\"justify-content:center;align-items:center;text-align:center;display:flex;height:100%;background-color:transparent\"><\/div><\/div><div class=\"ContentPage_outsideRight__P0Uvf\"><\/div><article class=\"Article_article__sV3bX Article_siteAreaNews__Frmfx\"><header class=\"Article_header__ckSlm\"><div class=\"Article_elementPublishdate__qcso_\"><div class=\"sc-d721210-0 glCzFI\"><span>Publiziert<\/span><time dateTime=\"2025-03-08T04:51:14+01:00\" class=\"sc-d721210-1 ldCIcW\">8. M\u00e4rz 2025, 04:51<\/time><\/div><\/div><div class=\"Article_elementTitle__9QPjy\"><h2><span>12 Tipps<span class=\"visually-hidden\" aria-hidden=\"true\" role=\"presentation\">: <\/span><\/span>Frist f\u00fcr Steuererkl\u00e4rung l\u00e4uft bald ab \u2013 so sparst du Geld<\/h2><\/div><div class=\"Article_elementLead__N3pGr\"><p>Die meisten Schweizer m\u00fcssen Ende des Monats ihre Steuererkl\u00e4rung einreichen. Darauf musst du achten.<\/p><\/div><div class=\"Article_elementAuthors__LsHcz\"><section class=\"sc-a49778d8-1 kNmdAC\"><div class=\"sc-a49778d8-0 cVViTd\"><div class=\"sc-3d7987c8-2 kbwEQu\"><div class=\"sc-b1f21c84-0 erNuh\"><a href=\"\/autoren\/84165759\/marcel-urech\" class=\"sc-b1f21c84-2 egfiIF\"><img alt=\"Marcel Urech\" src=\"https:\/\/media.20min.ch\/6\/image\/2024\/03\/10\/9d0551e3-5ad2-4eb2-81e2-1d3a72dd3a17.jpeg?auto=format%2Ccompress%2Cenhance&fit=crop&w=400&h=400&rect=0%2C0%2C404%2C404&crop=faces&s=dd090a2f49cd39277d8656438c5a6b83\" class=\"sc-b1f21c84-1 iTOvpR\"\/><\/a><\/div><div class=\"sc-3d7987c8-0 cWecBK\"><dt class=\"sc-3d7987c8-3 dvBbZq\">von<\/dt><div class=\"sc-3d7987c8-5 hogmkW\"><a href=\"\/autoren\/84165759\/marcel-urech\" class=\"sc-3d7987c8-8 fCLjyQ\"><dd class=\"sc-3d7987c8-4 kvzacp\">Marcel Urech<\/dd><\/a><\/div><\/div><\/div><\/div><\/section><\/div><\/header><section class=\"Article_body__60Liu\"><div class=\"Article_elementSlideshow__fbaGO\"><\/div><div class=\"Article_element__Tq_1s\"><div type=\"typeInfoboxSummary\" class=\"sc-92253cc8-0 kGbdVO undefined Default\" data-testid=\"InfoBox\"><div class=\"sc-92253cc8-1 sc-92253cc8-2 bGBSLI duFusH\"><h3>Steuererkl\u00e4rung: Darum gehts<\/h3><div class=\"sc-92253cc8-3 hknAoe\"><svg width=\"1em\" height=\"1em\" class=\"sc-b8528708-0 fFsCws\"><use href=\"\/_next\/static\/media\/sprite.d5961885.svg#boomerang\"><\/use><\/svg><\/div><\/div><div class=\"sc-92253cc8-1 sc-92253cc8-4 bGBSLI lcCaqX elementList\"><ul><li><p>F\u00e4hrst du mit den \u00d6V zur Arbeit, kannst du die Fahrtkosten abziehen.<\/p><\/li><li><p>Nutzt du ein Privatauto, weil du gegen\u00fcber dem \u00d6V \u00fcber eine Stunde sparst oder es dein Job verlangt, sind es 70 Rappen pro Kilometer.<\/p><\/li><li><p>Auch die Pr\u00e4mien f\u00fcr deine Kranken-, Unfall- und Lebensversicherung sind abzugsf\u00e4hig.<\/p><\/li><\/ul><\/div><\/div><\/div><div class=\"Article_elementTextblockarray__WNyan\"><p>Die Frist f\u00fcr die Einreichung der Steuererkl\u00e4rung l\u00e4uft in den meisten Kantonen am 31. M\u00e4rz ab. Wer keine Verl\u00e4ngerung beantragt, sollte sich nun damit besch\u00e4ftigen. Wie <a href=\"\/story\/impulskaeufe-mit-der-30-30-regel-kannst-du-richtig-viel-geld-sparen-103027264\">sparst du Geld<\/a>? Steuerspezialist Oliver W\u00e4lti vom VZ Verm\u00f6genszentrum sagt auf Anfrage, auf welche 12 Punkte du achten musst.<\/p><\/div><div class=\"Article_elementCrosshead__b9pyw\"><h2 class=\"crosshead_crosshead__MxhCQ crosshead_siteAreaNews__x10eM crosshead_typeStandard__szEKi\" data-testid=\"Crosshead\">Tipp 1: Sammle alle relevanten Dokumente<\/h2><\/div><div class=\"Article_elementTextblockarray__WNyan\"><p>\u00abWer gut organisiert ist und alle wichtigen Steuerdokumente schon unter dem Jahr sammelt, spart oft Geld\u00bb, sagt W\u00e4lti. So fehlen beim Ausf\u00fcllen der Steuererkl\u00e4rung keine wichtigen Quittungen, die man abziehen kann.<\/p><\/div><div class=\"Article_elementCrosshead__b9pyw\"><h2 class=\"crosshead_crosshead__MxhCQ crosshead_siteAreaNews__x10eM crosshead_typeStandard__szEKi\" data-testid=\"Crosshead\">Tipp 2: F\u00fclle die Steuererkl\u00e4rung elektronisch aus<\/h2><\/div><div class=\"Article_elementTextblockarray__WNyan\"><p>F\u00fcllst du die Steuererkl\u00e4rung h\u00e4ndisch aus? Ein Umstieg auf die elektronische L\u00f6sung kann sich lohnen: So kannst du die Pauschalabz\u00fcge nicht vergessen, weil sie automatisch abgezogen werden, wie W\u00e4lti sagt.<\/p><\/div><div class=\"Article_elementPoll__0I_DP\"><div class=\"sc-c7badfe-0 ldhbtc\"><div class=\"sc-c7badfe-1 sc-c7badfe-2 jyrFy drGMUq\"><p>Reichst du deine Steuern p\u00fcnktlich ein?<\/p><\/div><div class=\"sc-c7badfe-1 sc-c7badfe-3 jyrFy gwdeAf\"><label><input name=\"103296759\" type=\"radio\" class=\"sc-c7badfe-4 jQczuo\"\/><span class=\"sc-c7badfe-9 bwIsay\"><span>Ja, immer.<\/span><span class=\"sc-c7badfe-7 cqemkj\"><\/span><\/span><\/label><label><input name=\"103296759\" type=\"radio\" class=\"sc-c7badfe-4 jQczuo\"\/><span class=\"sc-c7badfe-9 bwIsay\"><span>Ja, ich beantrage aber oft eine Verl\u00e4ngerung.<\/span><span class=\"sc-c7badfe-7 cqemkj\"><\/span><\/span><\/label><label><input name=\"103296759\" type=\"radio\" class=\"sc-c7badfe-4 jQczuo\"\/><span class=\"sc-c7badfe-9 bwIsay\"><span>Meistens.<\/span><span class=\"sc-c7badfe-7 cqemkj\"><\/span><\/span><\/label><label><input name=\"103296759\" type=\"radio\" class=\"sc-c7badfe-4 jQczuo\"\/><span class=\"sc-c7badfe-9 bwIsay\"><span>Nein, h\u00e4ufig versp\u00e4tet.<\/span><span class=\"sc-c7badfe-7 cqemkj\"><\/span><\/span><\/label><label><input name=\"103296759\" type=\"radio\" class=\"sc-c7badfe-4 jQczuo\"\/><span class=\"sc-c7badfe-9 bwIsay\"><span>Nie, ich verpasse die Deadline jedes Mal.<\/span><span class=\"sc-c7badfe-7 cqemkj\"><\/span><\/span><\/label><label><input name=\"103296759\" type=\"radio\" class=\"sc-c7badfe-4 jQczuo\"\/><span class=\"sc-c7badfe-9 bwIsay\"><span>Ich muss keine Steuererkl\u00e4rung ausf\u00fcllen.<\/span><span class=\"sc-c7badfe-7 cqemkj\"><\/span><\/span><\/label><label><input name=\"103296759\" type=\"radio\" class=\"sc-c7badfe-4 jQczuo\"\/><span class=\"sc-c7badfe-9 bwIsay\"><span>Zeig mir nur das Resultat der Umfrage.<\/span><span class=\"sc-c7badfe-7 cqemkj\"><\/span><\/span><\/label><\/div><div class=\"sc-c7badfe-1 sc-c7badfe-5 jyrFy GTpCD\"><\/div><\/div><\/div><div class=\"Article_elementCrosshead__b9pyw\"><h2 class=\"crosshead_crosshead__MxhCQ crosshead_siteAreaNews__x10eM crosshead_typeStandard__szEKi\" data-testid=\"Crosshead\">Tipp 3: Ziehe die Kosten f\u00fcr den Arbeitsweg ab<\/h2><\/div><div class=\"Article_elementTextblockarray__WNyan\"><p><strong><\/strong>F\u00e4hrst du mit dem \u00d6V zur Arbeit, kannst du die Fahrtkosten abziehen. Nutzt du ein Privatauto, weil du gegen\u00fcber dem \u00d6V \u00fcber eine Stunde sparst oder es dein Job verlangt, sind es 70 Rappen pro Kilometer. Der Fahrkostenabzug ist begrenzt. Bei den Bundessteuern liegt die Grenze bei 3200 Franken. \u00abAuch f\u00fcrs Velo, E-Bike und T\u00f6ffli \u2013 auch f\u00fcr die Fahrt zum Bahnhof \u2013 kann man 700 Franken abziehen, das geht oft vergessen\u00bb, sagt W\u00e4lti.<\/p><\/div><div class=\"Article_elementCrosshead__b9pyw\"><h2 class=\"crosshead_crosshead__MxhCQ crosshead_siteAreaNews__x10eM crosshead_typeStandard__szEKi\" data-testid=\"Crosshead\">Tipp 4: Ausw\u00e4rtige Verpflegung ist abzugsf\u00e4hig<\/h2><\/div><div class=\"Article_elementTextblockarray__WNyan\"><p>Reicht dir die Mittagspause f\u00fcr eine Heimkehr nicht aus, kannst du die Mehrkosten f\u00fcr ausw\u00e4rtige Verpflegung abziehen \u2013 bei einer Vollzeitstelle betr\u00e4gt der Abzug 3200 Franken. Gibt es eine verg\u00fcnstigte Kantine, sind es 1600 Franken.<\/p><\/div><div class=\"Article_elementCrosshead__b9pyw\"><h2 class=\"crosshead_crosshead__MxhCQ crosshead_siteAreaNews__x10eM crosshead_typeStandard__szEKi\" data-testid=\"Crosshead\">Tipp 5: Vergiss die Versicherungspr\u00e4mien nicht<\/h2><\/div><div class=\"Article_elementTextblockarray__WNyan\"><p>Auch die Pr\u00e4mien f\u00fcr deine Kranken-, Unfall- und Lebensversicherung sind abzugsf\u00e4hig. F\u00fcr erwerbst\u00e4tige Alleinstehende mit Pensionskassenanschluss oder Beitr\u00e4gen in die S\u00e4ule 3a betr\u00e4gt der Maximalbetrag auf Bundesebene 1800 Franken, bei Verheirateten 3600 Franken. Kantonal liegt die Spanne\u00a0zwischen 1700 Franken und 5400 Franken bei Alleinstehenden.<\/p><\/div><div class=\"Article_elementCrosshead__b9pyw\"><h2 class=\"crosshead_crosshead__MxhCQ crosshead_siteAreaNews__x10eM crosshead_typeStandard__szEKi\" data-testid=\"Crosshead\">Tipp 6: Spenden reduzieren deine Steuerlast<\/h2><\/div><div class=\"Article_elementTextblockarray__WNyan\"><p>\u00abSpenden an \u00f6ffentliche Anstalten und gemeinn\u00fctzige Organisationen mit Sitz in der Schweiz sind abzugsf\u00e4hig, bis zu maximal 20 Prozent vom Nettoeinkommen\u00bb, sagt W\u00e4lti.<\/p><\/div><div class=\"Article_elementCrosshead__b9pyw\"><h2 class=\"crosshead_crosshead__MxhCQ crosshead_siteAreaNews__x10eM crosshead_typeStandard__szEKi\" data-testid=\"Crosshead\">Tipp 7: Liste deine Gesundheitskosten auf<\/h2><\/div><div class=\"Article_elementTextblockarray__WNyan\"><p>Hast du eine neue Brille oder musst du oft zum Zahnarzt? Bewahre die Rechnungen auf und liste sie bei den Steuern auf. \u00abMachen die selbst bezahlten Rechnungen inklusive Selbstbehalt der Krankenkasse mehr als f\u00fcnf Prozent deines Nettoeinkommens aus, sollte man sie unbedingt abziehen\u00bb, so W\u00e4lti.<\/p><\/div><div class=\"Article_elementCrosshead__b9pyw\"><h2 class=\"crosshead_crosshead__MxhCQ crosshead_siteAreaNews__x10eM crosshead_typeStandard__szEKi\" data-testid=\"Crosshead\">Tipp 8: Ziehe die Kosten f\u00fcr Kinderbetreuung ab<\/h2><\/div><div class=\"Article_elementTextblockarray__WNyan\"><p>\u00abViele Kantone ziehen mit dem Bund gleich und erh\u00f6hen den Abzug bei den Kosten f\u00fcr Drittbetreuung der Kinder auch bei den Kantons- und Gemeindesteuern\u00bb, sagt W\u00e4lti. Bis zum 14. Lebensjahr kann man bei der direkten Bundessteuer pro Kind bis zu 25'500 Franken abziehen. Bei den Kantonen neu in vergleichbarer H\u00f6he.<\/p><\/div><div class=\"Article_elementCrosshead__b9pyw\"><h2 class=\"crosshead_crosshead__MxhCQ crosshead_siteAreaNews__x10eM crosshead_typeStandard__szEKi\" data-testid=\"Crosshead\">Tipp 9: Alimente und Unterhaltsbeitr\u00e4ge abziehen<\/h2><\/div><div class=\"Article_elementTextblockarray__WNyan\"><p>Wer Alimente und Unterhaltsbeitr\u00e4ge f\u00fcr Kinder bezahlen muss, kann diese bei der Steuererkl\u00e4rung angeben. Es lohne sich darum, vorhandene Trennungsvereinbarungen oder Scheidungsurteile gleich mitzuschicken.<\/p><\/div><div class=\"Article_elementCrosshead__b9pyw\"><h2 class=\"crosshead_crosshead__MxhCQ crosshead_siteAreaNews__x10eM crosshead_typeStandard__szEKi\" data-testid=\"Crosshead\">Tipp 10: Verm\u00f6gensverwaltungskosten angeben<\/h2><\/div><div class=\"Article_elementTextblockarray__WNyan\"><p>Bei Wertschriften sind die Verwaltungs- und Verwahrungskosten durch Dritte abzugsf\u00e4hig. Zus\u00e4tzlich kannst du nicht nur Schuldzinsen von Hypotheken oder Krediten abziehen, sondern auch Verzugszinsen.<\/p><\/div><div class=\"Article_elementCrosshead__b9pyw\"><h2 class=\"crosshead_crosshead__MxhCQ crosshead_siteAreaNews__x10eM crosshead_typeStandard__szEKi\" data-testid=\"Crosshead\">Tipp 11: Bilde dich weiter und ziehe die Kosten ab<\/h2><\/div><div class=\"Article_elementTextblockarray__WNyan\"><p>Auslagen f\u00fcr Umschulungen und berufliche Aus- und Weiterbildungen sind abzugsf\u00e4hig. \u00abDabei kann man nur die Kosten abziehen, die man selbst tr\u00e4gt, auf Bundesebene bis zu 12'900 Franken\u00bb, sagt W\u00e4lti \u2013 inklusive ausw\u00e4rtige Verpflegung, Reisekosten, einen Anteil an Laptop und Literatur.<\/p><\/div><div class=\"Article_elementCrosshead__b9pyw\"><h2 class=\"crosshead_crosshead__MxhCQ crosshead_siteAreaNews__x10eM crosshead_typeStandard__szEKi\" data-testid=\"Crosshead\">Tipp 12: Steuern sparen mit der Altersvorsorge<\/h2><\/div><div class=\"Article_elementTextblockarray__WNyan\"><p>Sparst du mit der S\u00e4ule 3a privat f\u00fcrs Alter, kannst du bis zu 7056 Franken abziehen. \u00abHat man das Geld, lohnt es sich, diesen Betrag am Beginn des Jahres einzuzahlen \u2013 f\u00fcr 2025 sind es maximal 7258 Franken\u00bb, sagt W\u00e4lti. Selbst\u00e4ndige ohne Pensionskassenanschluss k\u00f6nnen bis zu 35\u2019280 Franken oder maximal 20 Prozent ihres Erwerbseinkommens einzahlen.<\/p><\/div><div class=\"Article_element__Tq_1s\"><figure class=\"sc-d47814d6-4 YeebQ\"><figcaption class=\"sc-d47814d6-0 gVurjZ\"><\/figcaption><\/figure><\/div><div class=\"Article_element__Tq_1s\"><div type=\"typeInfoboxSummary\" class=\"sc-92253cc8-0 kGbdVO undefined Default\" data-testid=\"InfoBox\"><div class=\"sc-92253cc8-1 sc-92253cc8-2 bGBSLI duFusH\"><h3>Folgst du 20 Minuten Wirtschaft auf Whatsapp?<\/h3><div class=\"sc-92253cc8-3 hknAoe\"><svg width=\"1em\" height=\"1em\" class=\"sc-b8528708-0 fFsCws\"><use href=\"\/_next\/static\/media\/sprite.d5961885.svg#boomerang\"><\/use><\/svg><\/div><\/div><div class=\"sc-92253cc8-1 sc-92253cc8-4 bGBSLI lcCaqX elementTextblockarray\"><p>Hier kriegst du die aktuellsten News aus der Wirtschaftswelt und die heissesten Updates zu Konsumententhemen direkt auf dein Handy.<\/p><\/div><div 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Nogler\",\"caption\":{\"text\":\"Wer die Steuererkl\u00e4rung nicht auf Papier, sondern elektronisch ausf\u00fcllt, profitiert von verlinkten Tipps und Wegleitungen.\",\"elements\":[{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Wer die Steuererkl\u00e4rung nicht auf Papier, sondern elektronisch ausf\u00fcllt, profitiert von verlinkten Tipps und Wegleitungen.\"}]}]}},\"caption\":{\"text\":\"Wer die Steuererkl\u00e4rung nicht auf Papier, sondern elektronisch ausf\u00fcllt, profitiert von verlinkten Tipps und Wegleitungen.\",\"elements\":[{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Wer die Steuererkl\u00e4rung nicht auf Papier, sondern elektronisch ausf\u00fcllt, profitiert von verlinkten Tipps und Wegleitungen.\"}]}]},\"type\":\"image\"}]}},{\"type\":\"infobox\",\"collapsed\":false,\"infoboxContent\":[{\"type\":\"list\",\"listType\":\"unordered\",\"listItems\":[{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"F\u00e4hrst du mit den \u00d6V zur Arbeit, kannst du die Fahrtkosten abziehen.\"}]},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Nutzt du ein Privatauto, weil du gegen\u00fcber dem \u00d6V \u00fcber eine Stunde sparst oder es dein Job verlangt, sind es 70 Rappen pro Kilometer.\"}]},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Auch die Pr\u00e4mien f\u00fcr deine Kranken-, Unfall- und Lebensversicherung sind abzugsf\u00e4hig.\"}]}]}],\"title\":{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Steuererkl\u00e4rung: Darum gehts\"}]}},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Die Frist f\u00fcr die Einreichung der \"},{\"type\":\"htmlTextItem\",\"htmlText\":\"Steuererkl\u00e4rung\"},{\"type\":\"htmlTextItem\",\"htmlText\":\" l\u00e4uft in den meisten Kantonen am 31. M\u00e4rz ab. Wer keine Verl\u00e4ngerung beantragt, sollte sich nun damit besch\u00e4ftigen. Wie \"},{\"type\":\"internalLink\",\"htmlText\":\"sparst du Geld\",\"metadataID\":103027264,\"url\":\"\/story\/impulskaeufe-mit-der-30-30-regel-kannst-du-richtig-viel-geld-sparen-103027264\",\"tenantUrls\":{\"6\":\"\/story\/impulskaeufe-mit-der-30-30-regel-kannst-du-richtig-viel-geld-sparen-103027264\"}},{\"type\":\"htmlTextItem\",\"htmlText\":\"? Steuerspezialist Oliver W\u00e4lti vom VZ Verm\u00f6genszentrum sagt auf Anfrage, auf welche 12 Punkte du achten musst.\"}]},{\"type\":\"crosshead\",\"htmlText\":\"Tipp 1: Sammle alle relevanten Dokumente\",\"style\":{}},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"\u00abWer gut organisiert ist und alle wichtigen Steuerdokumente schon unter dem Jahr sammelt, spart oft Geld\u00bb, sagt W\u00e4lti. So fehlen beim Ausf\u00fcllen der Steuererkl\u00e4rung keine wichtigen Quittungen, die man abziehen kann.\"}]},{\"type\":\"crosshead\",\"htmlText\":\"Tipp 2: F\u00fclle die Steuererkl\u00e4rung elektronisch aus\",\"style\":{}},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"F\u00fcllst du die Steuererkl\u00e4rung h\u00e4ndisch aus? Ein Umstieg auf die elektronische L\u00f6sung kann sich lohnen: So kannst du die Pauschalabz\u00fcge nicht vergessen, weil sie automatisch abgezogen werden, wie W\u00e4lti sagt.\"}]},{\"type\":\"poll\",\"question\":{\"type\":\"pollItem\",\"id\":\"doc-1iloji5lf0\",\"text\":{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Reichst du deine Steuern p\u00fcnktlich ein?\"}]}},\"answers\":[{\"type\":\"pollItem\",\"id\":\"doc-1iloji5lf0.doc-1iloji5lg0\",\"text\":{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Ja, immer.\"}]}},{\"type\":\"pollItem\",\"id\":\"doc-1iloji5lf0.doc-1ilojjv2q0\",\"text\":{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Ja, ich beantrage aber oft eine Verl\u00e4ngerung.\"}]}},{\"type\":\"pollItem\",\"id\":\"doc-1iloji5lf0.doc-1ilojiij70\",\"text\":{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Meistens.\"}]}},{\"type\":\"pollItem\",\"id\":\"doc-1iloji5lf0.doc-1ilojil3d0\",\"text\":{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Nein, h\u00e4ufig versp\u00e4tet.\"}]}},{\"type\":\"pollItem\",\"id\":\"doc-1iloji5lf0.doc-1ilojl5bu0\",\"text\":{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Nie, ich verpasse die Deadline jedes Mal.\"}]}},{\"type\":\"pollItem\",\"id\":\"doc-1iloji5lf0.doc-1ilojl9jv0\",\"text\":{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Ich muss keine Steuererkl\u00e4rung ausf\u00fcllen.\"}]}},{\"type\":\"pollItem\",\"id\":\"doc-1iloji5lf0.doc-1ilojktoa0\",\"text\":{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Zeig mir nur das Resultat der Umfrage.\"}]}}]},{\"type\":\"crosshead\",\"htmlText\":\"Tipp 3: Ziehe die Kosten f\u00fcr den Arbeitsweg ab\",\"style\":{}},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"\\u003cstrong\\u003e\\u003c\/strong\\u003e\"},{\"type\":\"htmlTextItem\",\"htmlText\":\"F\u00e4hrst du mit dem \u00d6V zur Arbeit, kannst du die Fahrtkosten abziehen. Nutzt du ein Privatauto, weil du gegen\u00fcber dem \u00d6V \u00fcber eine Stunde sparst oder es dein Job verlangt, sind es 70 Rappen pro Kilometer. Der Fahrkostenabzug ist begrenzt. Bei den Bundessteuern liegt die Grenze bei 3200 Franken. \u00abAuch f\u00fcrs Velo, E-Bike und T\u00f6ffli \u2013 auch f\u00fcr die Fahrt zum Bahnhof \u2013 kann man 700 Franken abziehen, das geht oft vergessen\u00bb, sagt W\u00e4lti.\"}]},{\"type\":\"crosshead\",\"htmlText\":\"Tipp 4: Ausw\u00e4rtige Verpflegung ist abzugsf\u00e4hig\",\"style\":{}},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Reicht dir die Mittagspause f\u00fcr eine Heimkehr nicht aus, kannst du die Mehrkosten f\u00fcr ausw\u00e4rtige Verpflegung abziehen \u2013 bei einer Vollzeitstelle betr\u00e4gt der Abzug 3200 Franken. Gibt es eine verg\u00fcnstigte Kantine, sind es 1600 Franken.\"}]},{\"type\":\"crosshead\",\"htmlText\":\"Tipp 5: Vergiss die Versicherungspr\u00e4mien nicht\",\"style\":{}},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Auch die Pr\u00e4mien f\u00fcr deine Kranken-, Unfall- und Lebensversicherung sind abzugsf\u00e4hig. F\u00fcr erwerbst\u00e4tige Alleinstehende mit Pensionskassenanschluss oder Beitr\u00e4gen in die S\u00e4ule 3a betr\u00e4gt der Maximalbetrag auf Bundesebene 1800 Franken, bei Verheirateten 3600 Franken. Kantonal liegt die Spanne\u00a0zwischen 1700 Franken und 5400 Franken bei Alleinstehenden.\"}]},{\"type\":\"crosshead\",\"htmlText\":\"Tipp 6: Spenden reduzieren deine Steuerlast\",\"style\":{}},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"\u00abSpenden an \u00f6ffentliche Anstalten und gemeinn\u00fctzige Organisationen mit Sitz in der Schweiz sind abzugsf\u00e4hig, bis zu maximal 20 Prozent vom Nettoeinkommen\u00bb, sagt W\u00e4lti.\"}]},{\"type\":\"crosshead\",\"htmlText\":\"Tipp 7: Liste deine Gesundheitskosten auf\",\"style\":{}},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Hast du eine neue Brille oder musst du oft zum Zahnarzt? Bewahre die Rechnungen auf und liste sie bei den Steuern auf. \u00abMachen die selbst bezahlten Rechnungen inklusive Selbstbehalt der Krankenkasse mehr als f\u00fcnf Prozent deines Nettoeinkommens aus, sollte man sie unbedingt abziehen\u00bb, so W\u00e4lti.\"}]},{\"type\":\"crosshead\",\"htmlText\":\"Tipp 8: Ziehe die Kosten f\u00fcr Kinderbetreuung ab\",\"style\":{}},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"\u00abViele Kantone ziehen mit dem Bund gleich und erh\u00f6hen den Abzug bei den Kosten f\u00fcr Drittbetreuung der Kinder auch bei den Kantons- und Gemeindesteuern\u00bb, sagt W\u00e4lti. Bis zum 14. Lebensjahr kann man bei der direkten Bundessteuer pro Kind bis zu 25'500 Franken abziehen. Bei den Kantonen neu in vergleichbarer H\u00f6he.\"}]},{\"type\":\"crosshead\",\"htmlText\":\"Tipp 9: Alimente und Unterhaltsbeitr\u00e4ge abziehen\",\"style\":{}},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Wer Alimente und Unterhaltsbeitr\u00e4ge f\u00fcr Kinder bezahlen muss, kann diese bei der Steuererkl\u00e4rung angeben. Es lohne sich darum, vorhandene Trennungsvereinbarungen oder Scheidungsurteile gleich mitzuschicken.\"}]},{\"type\":\"crosshead\",\"htmlText\":\"Tipp 10: Verm\u00f6gensverwaltungskosten angeben\",\"style\":{}},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Bei Wertschriften sind die Verwaltungs- und Verwahrungskosten durch Dritte abzugsf\u00e4hig. Zus\u00e4tzlich kannst du nicht nur Schuldzinsen von Hypotheken oder Krediten abziehen, sondern auch Verzugszinsen.\"}]},{\"type\":\"crosshead\",\"htmlText\":\"Tipp 11: Bilde dich weiter und ziehe die Kosten ab\",\"style\":{}},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Auslagen f\u00fcr Umschulungen und berufliche Aus- und Weiterbildungen sind abzugsf\u00e4hig. \u00abDabei kann man nur die Kosten abziehen, die man selbst tr\u00e4gt, auf Bundesebene bis zu 12'900 Franken\u00bb, sagt W\u00e4lti \u2013 inklusive ausw\u00e4rtige Verpflegung, Reisekosten, einen Anteil an Laptop und Literatur.\"}]},{\"type\":\"crosshead\",\"htmlText\":\"Tipp 12: Steuern sparen mit der Altersvorsorge\",\"style\":{}},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Sparst du mit der S\u00e4ule 3a privat f\u00fcrs Alter, kannst du bis zu 7056 Franken abziehen. \u00abHat man das Geld, lohnt es sich, diesen Betrag am Beginn des Jahres einzuzahlen \u2013 f\u00fcr 2025 sind es maximal 7258 Franken\u00bb, sagt W\u00e4lti. Selbst\u00e4ndige ohne Pensionskassenanschluss k\u00f6nnen bis zu 35\u2019280 Franken oder maximal 20 Prozent ihres Erwerbseinkommens einzahlen.\"}]},{\"type\":\"embed\",\"url\":\"https:\/\/stocks.20min.ch?height=600\",\"provider\":\"default\",\"embedCode\":\"\\u003cdiv class=\\\"responsiveContainer\\\" style=\\\"position: relative; height: 0px; overflow: hidden; max-width: 100%; padding-bottom: 100%;\\\"\\u003e\\u003ciframe src=\\\"https:\/\/stocks.20min.ch?height=600\\\" frameborder=\\\"0\\\" style=\\\"position: absolute; top: 0px; left: 0px; width: 100%; height: 100%;\\\"\\u003e\\u003c\/iframe\\u003e\\u003c\/div\\u003e\"},{\"type\":\"infobox\",\"collapsed\":false,\"infoboxContent\":[{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Hier kriegst du die aktuellsten News aus der Wirtschaftswelt und die heissesten Updates zu Konsumententhemen direkt auf dein Handy.\"}]},{\"type\":\"embed\",\"url\":\"\",\"provider\":\"default\",\"embedCode\":\"\\u003cdiv 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{"result":{"content":"Steuererkl\u00e4rung: So optimierst du deine Abz\u00fcge - 20 Minuten<\/title><meta name=\"title\" content=\"Steuererkl\u00e4rung: So optimierst du deine Abz\u00fcge\"\/><meta name=\"description\" content=\"Bis Ende Monat m\u00fcssen die meisten Schweizer die Steuererkl\u00e4rung einreichen. 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Mit diesen Tipps und Tricks kannst du deine Steuerlast optimieren.\"\/><meta property=\"twitter:image:src\" content=\"https:\/\/media.20min.ch\/6\/image\/2023\/12\/26\/e46269e6-8596-410b-9637-7b60bacc30b3.jpeg?auto=format%2Ccompress%2Cenhance&fit=crop&w=1200&h=675&rect=0%2C0%2C2048%2C1365&fp-x=0.5&fp-y=0.5003663003663004&crop=focalpoint&s=cf0015777508ef07d3fb34b46fe51517\"\/><script type=\"application\/ld+json\">{\"@context\":\"http:\/\/schema.org\",\"@type\":\"NewsArticle\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.20min.ch\/story\/12-tipps-frist-fuer-steuererklaerung-laeuft-bald-ab-so-sparst-du-geld-103296759\"},\"publisher\":{\"@type\":\"NewsMediaOrganization\",\"name\":\"20 Minuten\",\"url\":\"https:\/\/www.20min.ch\",\"email\":\"redaktion@20minuten.ch\",\"telephone\":\"+41(0)442486820\",\"sameAs\":[\"https:\/\/www.facebook.com\/20min\",\"https:\/\/twitter.com\/20min\",\"https:\/\/www.instagram.com\/20min.ch\",\"https:\/\/de.wikipedia.org\/wiki\/20_Minuten\"],\"ownershipFundingInfo\":\"https:\/\/www.20min.ch\/impressum\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\/\/www.20min.ch\/icons\/20min_de.png\",\"width\":144,\"height\":192}},\"headline\":\"Steuererkl\u00e4rung: So optimierst du deine Abz\u00fcge\",\"alternativeHeadline\":\"12 Tipps: Frist f\u00fcr Steuererkl\u00e4rung l\u00e4uft bald ab \u2013 so sparst du Geld\",\"description\":\"Bis Ende Monat m\u00fcssen die meisten Schweizer die Steuererkl\u00e4rung einreichen. Mit diesen Tipps und Tricks kannst du deine Steuerlast optimieren.\",\"articleBody\":\"Die Frist f\u00fcr die Einreichung der Steuererkl\u00e4rung l\u00e4uft in den meisten Kantonen am 31. M\u00e4rz ab. Wer keine Verl\u00e4ngerung beantragt, sollte sich nun damit besch\u00e4ftigen. Wie sparst du Geld ? Steuerspezialist Oliver W\u00e4lti vom VZ Verm\u00f6genszentrum sagt auf Anfrage, auf welche 12 Punkte du achten musst. Tipp 1: Sammle alle relevanten Dokumente \u00abWer gut organisiert ist und alle wichtigen Steuerdokumente schon unter dem Jahr sammelt, spart oft Geld\u00bb, sagt W\u00e4lti. So fehlen beim Ausf\u00fcllen der Steuererkl\u00e4rung keine wichtigen Quittungen, die man abziehen kann. Tipp 2: F\u00fclle die Steuererkl\u00e4rung elektronisch aus F\u00fcllst du die Steuererkl\u00e4rung h\u00e4ndisch aus? Ein Umstieg auf die elektronische L\u00f6sung kann sich lohnen: So kannst du die Pauschalabz\u00fcge nicht vergessen, weil sie automatisch abgezogen werden, wie W\u00e4lti sagt. Tipp 3: Ziehe die Kosten f\u00fcr den Arbeitsweg ab F\u00e4hrst du mit dem \u00d6V zur Arbeit, kannst du die Fahrtkosten abziehen. Nutzt du ein Privatauto, weil du gegen\u00fcber dem \u00d6V \u00fcber eine Stunde sparst oder es dein Job verlangt, sind es 70 Rappen pro Kilometer. Der Fahrkostenabzug ist begrenzt. Bei den Bundessteuern liegt die Grenze bei 3200 Franken. \u00abAuch f\u00fcrs Velo, E-Bike und T\u00f6ffli \u2013 auch f\u00fcr die Fahrt zum Bahnhof \u2013 kann man 700 Franken abziehen, das geht oft vergessen\u00bb, sagt W\u00e4lti. Tipp 4: Ausw\u00e4rtige Verpflegung ist abzugsf\u00e4hig Reicht dir die Mittagspause f\u00fcr eine Heimkehr nicht aus, kannst du die Mehrkosten f\u00fcr ausw\u00e4rtige Verpflegung abziehen \u2013 bei einer Vollzeitstelle betr\u00e4gt der Abzug 3200 Franken. Gibt es eine verg\u00fcnstigte Kantine, sind es 1600 Franken. Tipp 5: Vergiss die Versicherungspr\u00e4mien nicht Auch die Pr\u00e4mien f\u00fcr deine Kranken-, Unfall- und Lebensversicherung sind abzugsf\u00e4hig. F\u00fcr erwerbst\u00e4tige Alleinstehende mit Pensionskassenanschluss oder Beitr\u00e4gen in die S\u00e4ule 3a betr\u00e4gt der Maximalbetrag auf Bundesebene 1800 Franken, bei Verheirateten 3600 Franken. Kantonal liegt die Spanne\u00a0zwischen 1700 Franken und 5400 Franken bei Alleinstehenden. Tipp 6: Spenden reduzieren deine Steuerlast \u00abSpenden an \u00f6ffentliche Anstalten und gemeinn\u00fctzige Organisationen mit Sitz in der Schweiz sind abzugsf\u00e4hig, bis zu maximal 20 Prozent vom Nettoeinkommen\u00bb, sagt W\u00e4lti. Tipp 7: Liste deine Gesundheitskosten auf Hast du eine neue Brille oder musst du oft zum Zahnarzt? Bewahre die Rechnungen auf und liste sie bei den Steuern auf. \u00abMachen die selbst bezahlten Rechnungen inklusive Selbstbehalt der Krankenkasse mehr als f\u00fcnf Prozent deines Nettoeinkommens aus, sollte man sie unbedingt abziehen\u00bb, so W\u00e4lti. Tipp 8: Ziehe die Kosten f\u00fcr Kinderbetreuung ab \u00abViele Kantone ziehen mit dem Bund gleich und erh\u00f6hen den Abzug bei den Kosten f\u00fcr Drittbetreuung der Kinder auch bei den Kantons- und Gemeindesteuern\u00bb, sagt W\u00e4lti. Bis zum 14. Lebensjahr kann man bei der direkten Bundessteuer pro Kind bis zu 25'500 Franken abziehen. Bei den Kantonen neu in vergleichbarer H\u00f6he. Tipp 9: Alimente und Unterhaltsbeitr\u00e4ge abziehen Wer Alimente und Unterhaltsbeitr\u00e4ge f\u00fcr Kinder bezahlen muss, kann diese bei der Steuererkl\u00e4rung angeben. Es lohne sich darum, vorhandene Trennungsvereinbarungen oder Scheidungsurteile gleich mitzuschicken. Tipp 10: Verm\u00f6gensverwaltungskosten angeben Bei Wertschriften sind die Verwaltungs- und Verwahrungskosten durch Dritte abzugsf\u00e4hig. Zus\u00e4tzlich kannst du nicht nur Schuldzinsen von Hypotheken oder Krediten abziehen, sondern auch Verzugszinsen. Tipp 11: Bilde dich weiter und ziehe die Kosten ab Auslagen f\u00fcr Umschulungen und berufliche Aus- und Weiterbildungen sind abzugsf\u00e4hig. \u00abDabei kann man nur die Kosten abziehen, die man selbst tr\u00e4gt, auf Bundesebene bis zu 12'900 Franken\u00bb, sagt W\u00e4lti \u2013 inklusive ausw\u00e4rtige Verpflegung, Reisekosten, einen Anteil an Laptop und Literatur. Tipp 12: Steuern sparen mit der Altersvorsorge Sparst du mit der S\u00e4ule 3a privat f\u00fcrs Alter, kannst du bis zu 7056 Franken abziehen. \u00abHat man das Geld, lohnt es sich, diesen Betrag am Beginn des Jahres einzuzahlen \u2013 f\u00fcr 2025 sind es maximal 7258 Franken\u00bb, sagt W\u00e4lti. Selbst\u00e4ndige ohne Pensionskassenanschluss k\u00f6nnen bis zu 35\u2019280 Franken oder maximal 20 Prozent ihres Erwerbseinkommens einzahlen.\",\"image\":[],\"datePublished\":\"2025-03-08T04:51:14+01:00\",\"dateModified\":\"2025-03-08T04:51:14+01:00\",\"author\":[{\"@type\":\"Person\",\"name\":\"Marcel Urech\"}],\"video\":[],\"keywords\":\"\",\"hasPart\":[{\"@type\":\"Collection\",\"image\":[{\"@type\":\"ImageObject\",\"ContentUrl\":\"https:\/\/media.20min.ch\/6\/image\/2023\/12\/26\/c76cca2b-a58e-4ee5-b571-0dbd0526ca15.jpeg?auto=format%2Ccompress%2Cenhance&fit=max&w=1200&h=1200&rect=0%2C0%2C2048%2C1365&fp-x=0.5&fp-y=0.5003663003663004&s=d11e368fa3d29cab9dd9110d2c57673d\",\"caption\":\"Wer sich beim Ausf\u00fcllen der Steuererkl\u00e4rung etwas Zeit nimmt, kann viel Geld sparen.\",\"creditText\":\"20min\/Celia Nogler\"},{\"@type\":\"ImageObject\",\"ContentUrl\":\"https:\/\/media.20min.ch\/6\/image\/2023\/12\/26\/cb70b0e4-4aed-4903-855a-d71dada4057c.jpeg?auto=format%2Ccompress%2Cenhance&fit=max&w=1200&h=1200&rect=0%2C0%2C2048%2C1365&fp-x=0.5&fp-y=0.5003663003663004&s=6910e2cd45d0aa6871df4cce132bf047\",\"caption\":\"Diverse Ausgaben kann man von den Steuern abziehen, etwa Weiterbildungen und Spenden.\",\"creditText\":\"20min\/Celia Nogler\"},{\"@type\":\"ImageObject\",\"ContentUrl\":\"https:\/\/media.20min.ch\/6\/image\/2023\/12\/26\/e46269e6-8596-410b-9637-7b60bacc30b3.jpeg?auto=format%2Ccompress%2Cenhance&fit=max&w=1200&h=1200&rect=0%2C0%2C2048%2C1365&fp-x=0.5&fp-y=0.5003663003663004&s=4221562cb92b65f3151e788a7b3dc47f\",\"caption\":\"Wer die Steuererkl\u00e4rung nicht auf Papier, sondern elektronisch ausf\u00fcllt, profitiert von verlinkten Tipps und Wegleitungen.\",\"creditText\":\"20min\/Celia Nogler\"}]}],\"articleSection\":\"Wirtschaft\"}<\/script><meta name=\"next-head-count\" 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fgLGdv\">#WIRSINDZUKUNFT<\/span><\/a><\/li><li class=\"sc-99b3a5c-2 sc-99b3a5c-3 gwqDVB kuPALN\"><a class=\"sc-99b3a5c-0 eckruc\" title=\"Z\u00fcrich\" href=\"\/zuerich\"><span class=\"sc-99b3a5c-1 fgLGdv\">Z\u00fcrich<\/span><\/a><\/li><li class=\"sc-99b3a5c-2 sc-99b3a5c-3 gwqDVB kuPALN\"><a class=\"sc-99b3a5c-0 eckruc\" title=\"Bern\" href=\"\/bern\"><span class=\"sc-99b3a5c-1 fgLGdv\">Bern<\/span><\/a><\/li><li class=\"sc-99b3a5c-2 sc-99b3a5c-3 gwqDVB kuPALN\"><a class=\"sc-99b3a5c-0 eckruc\" title=\"Basel\" href=\"\/basel\"><span class=\"sc-99b3a5c-1 fgLGdv\">Basel<\/span><\/a><\/li><li class=\"sc-99b3a5c-2 sc-99b3a5c-3 gwqDVB kuPALN\"><a class=\"sc-99b3a5c-0 eckruc\" title=\"Zentralschweiz\" href=\"\/zentralschweiz\"><span class=\"sc-99b3a5c-1 fgLGdv\">Zentralschweiz<\/span><\/a><\/li><li class=\"sc-99b3a5c-2 sc-99b3a5c-3 gwqDVB kuPALN\"><a class=\"sc-99b3a5c-0 eckruc\" title=\"Ostschweiz\" href=\"\/ostschweiz\"><span class=\"sc-99b3a5c-1 fgLGdv\">Ostschweiz<\/span><\/a><\/li><li class=\"sc-99b3a5c-2 sc-99b3a5c-3 gwqDVB kuPALN\"><a class=\"sc-99b3a5c-0 eckruc\" title=\"Ausland\" href=\"\/ausland\"><span class=\"sc-99b3a5c-1 fgLGdv\">Ausland<\/span><\/a><\/li><li class=\"sc-99b3a5c-2 sc-99b3a5c-3 gwqDVB kuPALN\"><a class=\"sc-99b3a5c-0 eckruc\" title=\"Ukraine\" href=\"\/ukraine\"><span class=\"sc-99b3a5c-1 fgLGdv\">Ukraine<\/span><\/a><\/li><li class=\"sc-99b3a5c-2 sc-99b3a5c-3 gwqDVB kuPALN\"><a class=\"sc-99b3a5c-0 eckruc\" title=\"Nahost\" href=\"\/nahostkonflikt\"><span class=\"sc-99b3a5c-1 fgLGdv\">Nahost<\/span><\/a><\/li><li class=\"sc-99b3a5c-2 sc-99b3a5c-3 gwqDVB kuPALN\"><a class=\"sc-99b3a5c-0 eckruc\" title=\"Wirtschaft\" href=\"\/wirtschaft\"><span class=\"sc-99b3a5c-1 fgLGdv\">Wirtschaft<\/span><\/a><\/li><li class=\"sc-99b3a5c-2 sc-99b3a5c-3 gwqDVB kuPALN\"><a class=\"sc-99b3a5c-0 eckruc\" title=\"Krypto\" href=\"\/krypto\"><span class=\"sc-99b3a5c-1 fgLGdv\">Krypto<\/span><\/a><\/li><li class=\"sc-99b3a5c-2 sc-99b3a5c-3 gwqDVB kuPALN\"><a class=\"sc-99b3a5c-0 eckruc\" title=\"People\" href=\"\/people\"><span class=\"sc-99b3a5c-1 fgLGdv\">People<\/span><\/a><\/li><li class=\"sc-99b3a5c-2 sc-99b3a5c-3 gwqDVB kuPALN\"><a class=\"sc-99b3a5c-0 eckruc\" title=\"Entertainment\" href=\"\/instagram-slider\"><span class=\"sc-99b3a5c-1 fgLGdv\">Entertainment<\/span><\/a><\/li><li class=\"sc-99b3a5c-2 sc-99b3a5c-3 gwqDVB kuPALN\"><a class=\"sc-99b3a5c-0 eckruc\" title=\"Community\" href=\"\/community\"><span class=\"sc-99b3a5c-1 fgLGdv\">Community<\/span><\/a><\/li><li class=\"sc-99b3a5c-2 sc-99b3a5c-3 gwqDVB kuPALN\"><a class=\"sc-99b3a5c-0 eckruc\" title=\"Faktenchecks\" href=\"\/faktenchecks\"><span class=\"sc-99b3a5c-1 fgLGdv\">Faktenchecks<\/span><\/a><\/li><li class=\"sc-99b3a5c-2 sc-99b3a5c-3 gwqDVB kuPALN\"><a class=\"sc-99b3a5c-0 eckruc\" title=\"Quiz\" href=\"\/quiz\"><span class=\"sc-99b3a5c-1 fgLGdv\">Quiz<\/span><\/a><\/li><li class=\"sc-99b3a5c-2 sc-99b3a5c-3 gwqDVB kuPALN\"><a class=\"sc-99b3a5c-0 eckruc\" title=\"Kino & Streaming\" href=\"\/kinostreaming\"><span class=\"sc-99b3a5c-1 fgLGdv\">Kino & Streaming<\/span><\/a><\/li><li class=\"sc-99b3a5c-2 sc-99b3a5c-3 gwqDVB kuPALN\"><a class=\"sc-99b3a5c-0 eckruc\" title=\"Digital\" href=\"\/digital\"><span class=\"sc-99b3a5c-1 fgLGdv\">Digital<\/span><\/a><\/li><li class=\"sc-99b3a5c-2 sc-99b3a5c-3 gwqDVB kuPALN\"><a class=\"sc-99b3a5c-0 eckruc\" title=\"Wissen\" href=\"\/wissen\"><span class=\"sc-99b3a5c-1 fgLGdv\">Wissen<\/span><\/a><\/li><li class=\"sc-99b3a5c-2 sc-99b3a5c-3 gwqDVB kuPALN\"><a class=\"sc-99b3a5c-0 eckruc\" title=\"Kochen mit FOOBY\" href=\"\/kochen\"><span class=\"sc-99b3a5c-1 fgLGdv\">Kochen mit FOOBY<\/span><\/a><\/li><li class=\"sc-99b3a5c-2 sc-99b3a5c-3 gwqDVB kuPALN\"><a class=\"sc-99b3a5c-0 eckruc\" title=\"Wettbewerbe\" href=\"\/wettbewerbe\"><span class=\"sc-99b3a5c-1 fgLGdv\">Wettbewerbe<\/span><\/a><\/li><li class=\"sc-99b3a5c-2 sc-99b3a5c-3 gwqDVB kuPALN\"><a class=\"sc-99b3a5c-0 eckruc\" title=\"Gutscheine\" href=\"https:\/\/gutscheine.20min.ch\"><span class=\"sc-99b3a5c-1 fgLGdv\">Gutscheine<\/span><\/a><\/li><li class=\"sc-99b3a5c-2 sc-99b3a5c-3 gwqDVB kuPALN\"><a class=\"sc-99b3a5c-0 eckruc\" title=\"Politik\" href=\"\/themen\/politik\"><span class=\"sc-99b3a5c-1 fgLGdv\">Politik<\/span><\/a><\/li><li class=\"sc-99b3a5c-2 sc-99b3a5c-3 gwqDVB kuPALN\"><a class=\"sc-99b3a5c-0 eckruc\" title=\"Alle Themen\" href=\"https:\/\/www.20min.ch\/themen\"><span class=\"sc-99b3a5c-1 fgLGdv\">Alle Themen<\/span><\/a><\/li><li class=\"sc-99b3a5c-2 sc-99b3a5c-3 gwqDVB kuPALN\"><a class=\"sc-99b3a5c-0 eckruc\" title=\"E-Paper\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/epaper.20min.ch\"><span class=\"sc-99b3a5c-1 fgLGdv\">E-Paper<\/span><\/a><\/li><li class=\"sc-99b3a5c-2 sc-99b3a5c-3 gwqDVB kuPALN\"><a class=\"sc-99b3a5c-0 eckruc\" title=\"Live TV\" href=\"\/video\/live-tv\"><span class=\"sc-99b3a5c-1 fgLGdv\">Live TV<\/span><\/a><\/li><li class=\"sc-99b3a5c-2 sc-99b3a5c-3 gwqDVB 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class=\"sc-6821256f-0 bXwfqn sc-3584b39c-0 hDUYcV sc-c5c57201-0 eiBLnd sc-c5c57201-1 jipLa-d\"><div id=\"\/23178153471\/de-20minuten.ch\/inside-sticky\/wirtschaft\" data-ad-unit-id=\"\/23178153471\/de-20minuten.ch\/inside-sticky\/wirtschaft\" style=\"justify-content:center;align-items:center;text-align:center;display:flex;height:100%;background-color:transparent\"><\/div><\/aside><\/div><\/nav><\/div><div id=\"\/23178153471\/de-20minuten.ch\/outside-welcome\/wirtschaft\" data-ad-unit-id=\"\/23178153471\/de-20minuten.ch\/outside-welcome\/wirtschaft\" style=\"justify-content:center;align-items:center;text-align:center;display:flex;height:100%;background-color:transparent\"><\/div><div class=\"layout_layout__yR_n_ layout_contentType__8IYJ_\"><div class=\"layout_content__6MprE\"><section class=\"sc-46060ef-0 WIfmU sc-91f9da13-0 jFqVIG\"><div class=\"sc-46060ef-1 pIKlK\"><a href=\"\/\" class=\"sc-46060ef-2 sc-46060ef-4 gJkAGz eeHRbX\">Front<\/a><span class=\"sc-46060ef-5 iIeaQS\">|<\/span><a href=\"\/wirtschaft\" class=\"sc-46060ef-2 sc-46060ef-4 gJkAGz eeHRbX\">Wirtschaft<\/a><span class=\"sc-46060ef-5 iIeaQS\">|<\/span><\/div><h1 class=\"sc-46060ef-3 sc-46060ef-6 csIspw egCqAn\">Steuererkl\u00e4rung: So optimierst du deine Abz\u00fcge<\/h1><\/section><div class=\"ContentPage_contentPage__YqKjN\"><div class=\"ContentPage_insideFullTopPlaceholder__g16GO\"><div id=\"\/23178153471\/de-20minuten.ch\/inside-full-top\/wirtschaft\" data-ad-unit-id=\"\/23178153471\/de-20minuten.ch\/inside-full-top\/wirtschaft\" style=\"justify-content:center;align-items:center;text-align:center;display:flex;height:100%;background-color:transparent\"><\/div><\/div><div class=\"ContentPage_outsideRight__P0Uvf\"><\/div><article class=\"Article_article__sV3bX Article_siteAreaNews__Frmfx\"><header class=\"Article_header__ckSlm\"><div class=\"Article_elementPublishdate__qcso_\"><div class=\"sc-d721210-0 glCzFI\"><span>Publiziert<\/span><time dateTime=\"2025-03-08T04:51:14+01:00\" class=\"sc-d721210-1 ldCIcW\">8. M\u00e4rz 2025, 04:51<\/time><\/div><\/div><div class=\"Article_elementTitle__9QPjy\"><h2><span>12 Tipps<span class=\"visually-hidden\" aria-hidden=\"true\" role=\"presentation\">: <\/span><\/span>Frist f\u00fcr Steuererkl\u00e4rung l\u00e4uft bald ab \u2013 so sparst du Geld<\/h2><\/div><div class=\"Article_elementLead__N3pGr\"><p>Die meisten Schweizer m\u00fcssen Ende des Monats ihre Steuererkl\u00e4rung einreichen. Darauf musst du achten.<\/p><\/div><div class=\"Article_elementAuthors__LsHcz\"><section class=\"sc-a49778d8-1 kNmdAC\"><div class=\"sc-a49778d8-0 cVViTd\"><div class=\"sc-3d7987c8-2 kbwEQu\"><div class=\"sc-b1f21c84-0 erNuh\"><a href=\"\/autoren\/84165759\/marcel-urech\" class=\"sc-b1f21c84-2 egfiIF\"><img alt=\"Marcel Urech\" src=\"https:\/\/media.20min.ch\/6\/image\/2024\/03\/10\/9d0551e3-5ad2-4eb2-81e2-1d3a72dd3a17.jpeg?auto=format%2Ccompress%2Cenhance&fit=crop&w=400&h=400&rect=0%2C0%2C404%2C404&crop=faces&s=dd090a2f49cd39277d8656438c5a6b83\" class=\"sc-b1f21c84-1 iTOvpR\"\/><\/a><\/div><div class=\"sc-3d7987c8-0 cWecBK\"><dt class=\"sc-3d7987c8-3 dvBbZq\">von<\/dt><div class=\"sc-3d7987c8-5 hogmkW\"><a href=\"\/autoren\/84165759\/marcel-urech\" class=\"sc-3d7987c8-8 fCLjyQ\"><dd class=\"sc-3d7987c8-4 kvzacp\">Marcel Urech<\/dd><\/a><\/div><\/div><\/div><\/div><\/section><\/div><\/header><section class=\"Article_body__60Liu\"><div class=\"Article_elementSlideshow__fbaGO\"><\/div><div class=\"Article_element__Tq_1s\"><div type=\"typeInfoboxSummary\" class=\"sc-92253cc8-0 kGbdVO undefined Default\" data-testid=\"InfoBox\"><div class=\"sc-92253cc8-1 sc-92253cc8-2 bGBSLI duFusH\"><h3>Steuererkl\u00e4rung: Darum gehts<\/h3><div class=\"sc-92253cc8-3 hknAoe\"><svg width=\"1em\" height=\"1em\" class=\"sc-b8528708-0 fFsCws\"><use href=\"\/_next\/static\/media\/sprite.d5961885.svg#boomerang\"><\/use><\/svg><\/div><\/div><div class=\"sc-92253cc8-1 sc-92253cc8-4 bGBSLI lcCaqX elementList\"><ul><li><p>F\u00e4hrst du mit den \u00d6V zur Arbeit, kannst du die Fahrtkosten abziehen.<\/p><\/li><li><p>Nutzt du ein Privatauto, weil du gegen\u00fcber dem \u00d6V \u00fcber eine Stunde sparst oder es dein Job verlangt, sind es 70 Rappen pro Kilometer.<\/p><\/li><li><p>Auch die Pr\u00e4mien f\u00fcr deine Kranken-, Unfall- und Lebensversicherung sind abzugsf\u00e4hig.<\/p><\/li><\/ul><\/div><\/div><\/div><div class=\"Article_elementTextblockarray__WNyan\"><p>Die Frist f\u00fcr die Einreichung der Steuererkl\u00e4rung l\u00e4uft in den meisten Kantonen am 31. M\u00e4rz ab. Wer keine Verl\u00e4ngerung beantragt, sollte sich nun damit besch\u00e4ftigen. Wie <a href=\"\/story\/impulskaeufe-mit-der-30-30-regel-kannst-du-richtig-viel-geld-sparen-103027264\">sparst du Geld<\/a>? Steuerspezialist Oliver W\u00e4lti vom VZ Verm\u00f6genszentrum sagt auf Anfrage, auf welche 12 Punkte du achten musst.<\/p><\/div><div class=\"Article_elementCrosshead__b9pyw\"><h2 class=\"crosshead_crosshead__MxhCQ crosshead_siteAreaNews__x10eM crosshead_typeStandard__szEKi\" data-testid=\"Crosshead\">Tipp 1: Sammle alle relevanten Dokumente<\/h2><\/div><div class=\"Article_elementTextblockarray__WNyan\"><p>\u00abWer gut organisiert ist und alle wichtigen Steuerdokumente schon unter dem Jahr sammelt, spart oft Geld\u00bb, sagt W\u00e4lti. So fehlen beim Ausf\u00fcllen der Steuererkl\u00e4rung keine wichtigen Quittungen, die man abziehen kann.<\/p><\/div><div class=\"Article_elementCrosshead__b9pyw\"><h2 class=\"crosshead_crosshead__MxhCQ crosshead_siteAreaNews__x10eM crosshead_typeStandard__szEKi\" data-testid=\"Crosshead\">Tipp 2: F\u00fclle die Steuererkl\u00e4rung elektronisch aus<\/h2><\/div><div class=\"Article_elementTextblockarray__WNyan\"><p>F\u00fcllst du die Steuererkl\u00e4rung h\u00e4ndisch aus? Ein Umstieg auf die elektronische L\u00f6sung kann sich lohnen: So kannst du die Pauschalabz\u00fcge nicht vergessen, weil sie automatisch abgezogen werden, wie W\u00e4lti sagt.<\/p><\/div><div class=\"Article_elementPoll__0I_DP\"><div class=\"sc-c7badfe-0 ldhbtc\"><div class=\"sc-c7badfe-1 sc-c7badfe-2 jyrFy drGMUq\"><p>Reichst du deine Steuern p\u00fcnktlich ein?<\/p><\/div><div class=\"sc-c7badfe-1 sc-c7badfe-3 jyrFy gwdeAf\"><label><input name=\"103296759\" type=\"radio\" class=\"sc-c7badfe-4 jQczuo\"\/><span class=\"sc-c7badfe-9 bwIsay\"><span>Ja, immer.<\/span><span class=\"sc-c7badfe-7 cqemkj\"><\/span><\/span><\/label><label><input name=\"103296759\" type=\"radio\" class=\"sc-c7badfe-4 jQczuo\"\/><span class=\"sc-c7badfe-9 bwIsay\"><span>Ja, ich beantrage aber oft eine Verl\u00e4ngerung.<\/span><span class=\"sc-c7badfe-7 cqemkj\"><\/span><\/span><\/label><label><input name=\"103296759\" type=\"radio\" class=\"sc-c7badfe-4 jQczuo\"\/><span class=\"sc-c7badfe-9 bwIsay\"><span>Meistens.<\/span><span class=\"sc-c7badfe-7 cqemkj\"><\/span><\/span><\/label><label><input name=\"103296759\" type=\"radio\" class=\"sc-c7badfe-4 jQczuo\"\/><span class=\"sc-c7badfe-9 bwIsay\"><span>Nein, h\u00e4ufig versp\u00e4tet.<\/span><span class=\"sc-c7badfe-7 cqemkj\"><\/span><\/span><\/label><label><input name=\"103296759\" type=\"radio\" class=\"sc-c7badfe-4 jQczuo\"\/><span class=\"sc-c7badfe-9 bwIsay\"><span>Nie, ich verpasse die Deadline jedes Mal.<\/span><span class=\"sc-c7badfe-7 cqemkj\"><\/span><\/span><\/label><label><input name=\"103296759\" type=\"radio\" class=\"sc-c7badfe-4 jQczuo\"\/><span class=\"sc-c7badfe-9 bwIsay\"><span>Ich muss keine Steuererkl\u00e4rung ausf\u00fcllen.<\/span><span class=\"sc-c7badfe-7 cqemkj\"><\/span><\/span><\/label><label><input name=\"103296759\" type=\"radio\" class=\"sc-c7badfe-4 jQczuo\"\/><span class=\"sc-c7badfe-9 bwIsay\"><span>Zeig mir nur das Resultat der Umfrage.<\/span><span class=\"sc-c7badfe-7 cqemkj\"><\/span><\/span><\/label><\/div><div class=\"sc-c7badfe-1 sc-c7badfe-5 jyrFy GTpCD\"><\/div><\/div><\/div><div class=\"Article_elementCrosshead__b9pyw\"><h2 class=\"crosshead_crosshead__MxhCQ crosshead_siteAreaNews__x10eM crosshead_typeStandard__szEKi\" data-testid=\"Crosshead\">Tipp 3: Ziehe die Kosten f\u00fcr den Arbeitsweg ab<\/h2><\/div><div class=\"Article_elementTextblockarray__WNyan\"><p><strong><\/strong>F\u00e4hrst du mit dem \u00d6V zur Arbeit, kannst du die Fahrtkosten abziehen. Nutzt du ein Privatauto, weil du gegen\u00fcber dem \u00d6V \u00fcber eine Stunde sparst oder es dein Job verlangt, sind es 70 Rappen pro Kilometer. Der Fahrkostenabzug ist begrenzt. Bei den Bundessteuern liegt die Grenze bei 3200 Franken. \u00abAuch f\u00fcrs Velo, E-Bike und T\u00f6ffli \u2013 auch f\u00fcr die Fahrt zum Bahnhof \u2013 kann man 700 Franken abziehen, das geht oft vergessen\u00bb, sagt W\u00e4lti.<\/p><\/div><div class=\"Article_elementCrosshead__b9pyw\"><h2 class=\"crosshead_crosshead__MxhCQ crosshead_siteAreaNews__x10eM crosshead_typeStandard__szEKi\" data-testid=\"Crosshead\">Tipp 4: Ausw\u00e4rtige Verpflegung ist abzugsf\u00e4hig<\/h2><\/div><div class=\"Article_elementTextblockarray__WNyan\"><p>Reicht dir die Mittagspause f\u00fcr eine Heimkehr nicht aus, kannst du die Mehrkosten f\u00fcr ausw\u00e4rtige Verpflegung abziehen \u2013 bei einer Vollzeitstelle betr\u00e4gt der Abzug 3200 Franken. Gibt es eine verg\u00fcnstigte Kantine, sind es 1600 Franken.<\/p><\/div><div class=\"Article_elementCrosshead__b9pyw\"><h2 class=\"crosshead_crosshead__MxhCQ crosshead_siteAreaNews__x10eM crosshead_typeStandard__szEKi\" data-testid=\"Crosshead\">Tipp 5: Vergiss die Versicherungspr\u00e4mien nicht<\/h2><\/div><div class=\"Article_elementTextblockarray__WNyan\"><p>Auch die Pr\u00e4mien f\u00fcr deine Kranken-, Unfall- und Lebensversicherung sind abzugsf\u00e4hig. F\u00fcr erwerbst\u00e4tige Alleinstehende mit Pensionskassenanschluss oder Beitr\u00e4gen in die S\u00e4ule 3a betr\u00e4gt der Maximalbetrag auf Bundesebene 1800 Franken, bei Verheirateten 3600 Franken. Kantonal liegt die Spanne\u00a0zwischen 1700 Franken und 5400 Franken bei Alleinstehenden.<\/p><\/div><div class=\"Article_elementCrosshead__b9pyw\"><h2 class=\"crosshead_crosshead__MxhCQ crosshead_siteAreaNews__x10eM crosshead_typeStandard__szEKi\" data-testid=\"Crosshead\">Tipp 6: Spenden reduzieren deine Steuerlast<\/h2><\/div><div class=\"Article_elementTextblockarray__WNyan\"><p>\u00abSpenden an \u00f6ffentliche Anstalten und gemeinn\u00fctzige Organisationen mit Sitz in der Schweiz sind abzugsf\u00e4hig, bis zu maximal 20 Prozent vom Nettoeinkommen\u00bb, sagt W\u00e4lti.<\/p><\/div><div class=\"Article_elementCrosshead__b9pyw\"><h2 class=\"crosshead_crosshead__MxhCQ crosshead_siteAreaNews__x10eM crosshead_typeStandard__szEKi\" data-testid=\"Crosshead\">Tipp 7: Liste deine Gesundheitskosten auf<\/h2><\/div><div class=\"Article_elementTextblockarray__WNyan\"><p>Hast du eine neue Brille oder musst du oft zum Zahnarzt? Bewahre die Rechnungen auf und liste sie bei den Steuern auf. \u00abMachen die selbst bezahlten Rechnungen inklusive Selbstbehalt der Krankenkasse mehr als f\u00fcnf Prozent deines Nettoeinkommens aus, sollte man sie unbedingt abziehen\u00bb, so W\u00e4lti.<\/p><\/div><div class=\"Article_elementCrosshead__b9pyw\"><h2 class=\"crosshead_crosshead__MxhCQ crosshead_siteAreaNews__x10eM crosshead_typeStandard__szEKi\" data-testid=\"Crosshead\">Tipp 8: Ziehe die Kosten f\u00fcr Kinderbetreuung ab<\/h2><\/div><div class=\"Article_elementTextblockarray__WNyan\"><p>\u00abViele Kantone ziehen mit dem Bund gleich und erh\u00f6hen den Abzug bei den Kosten f\u00fcr Drittbetreuung der Kinder auch bei den Kantons- und Gemeindesteuern\u00bb, sagt W\u00e4lti. Bis zum 14. Lebensjahr kann man bei der direkten Bundessteuer pro Kind bis zu 25'500 Franken abziehen. Bei den Kantonen neu in vergleichbarer H\u00f6he.<\/p><\/div><div class=\"Article_elementCrosshead__b9pyw\"><h2 class=\"crosshead_crosshead__MxhCQ crosshead_siteAreaNews__x10eM crosshead_typeStandard__szEKi\" data-testid=\"Crosshead\">Tipp 9: Alimente und Unterhaltsbeitr\u00e4ge abziehen<\/h2><\/div><div class=\"Article_elementTextblockarray__WNyan\"><p>Wer Alimente und Unterhaltsbeitr\u00e4ge f\u00fcr Kinder bezahlen muss, kann diese bei der Steuererkl\u00e4rung angeben. Es lohne sich darum, vorhandene Trennungsvereinbarungen oder Scheidungsurteile gleich mitzuschicken.<\/p><\/div><div class=\"Article_elementCrosshead__b9pyw\"><h2 class=\"crosshead_crosshead__MxhCQ crosshead_siteAreaNews__x10eM crosshead_typeStandard__szEKi\" data-testid=\"Crosshead\">Tipp 10: Verm\u00f6gensverwaltungskosten angeben<\/h2><\/div><div class=\"Article_elementTextblockarray__WNyan\"><p>Bei Wertschriften sind die Verwaltungs- und Verwahrungskosten durch Dritte abzugsf\u00e4hig. Zus\u00e4tzlich kannst du nicht nur Schuldzinsen von Hypotheken oder Krediten abziehen, sondern auch Verzugszinsen.<\/p><\/div><div class=\"Article_elementCrosshead__b9pyw\"><h2 class=\"crosshead_crosshead__MxhCQ crosshead_siteAreaNews__x10eM crosshead_typeStandard__szEKi\" data-testid=\"Crosshead\">Tipp 11: Bilde dich weiter und ziehe die Kosten ab<\/h2><\/div><div class=\"Article_elementTextblockarray__WNyan\"><p>Auslagen f\u00fcr Umschulungen und berufliche Aus- und Weiterbildungen sind abzugsf\u00e4hig. \u00abDabei kann man nur die Kosten abziehen, die man selbst tr\u00e4gt, auf Bundesebene bis zu 12'900 Franken\u00bb, sagt W\u00e4lti \u2013 inklusive ausw\u00e4rtige Verpflegung, Reisekosten, einen Anteil an Laptop und Literatur.<\/p><\/div><div class=\"Article_elementCrosshead__b9pyw\"><h2 class=\"crosshead_crosshead__MxhCQ crosshead_siteAreaNews__x10eM crosshead_typeStandard__szEKi\" data-testid=\"Crosshead\">Tipp 12: Steuern sparen mit der Altersvorsorge<\/h2><\/div><div class=\"Article_elementTextblockarray__WNyan\"><p>Sparst du mit der S\u00e4ule 3a privat f\u00fcrs Alter, kannst du bis zu 7056 Franken abziehen. \u00abHat man das Geld, lohnt es sich, diesen Betrag am Beginn des Jahres einzuzahlen \u2013 f\u00fcr 2025 sind es maximal 7258 Franken\u00bb, sagt W\u00e4lti. Selbst\u00e4ndige ohne Pensionskassenanschluss k\u00f6nnen bis zu 35\u2019280 Franken oder maximal 20 Prozent ihres Erwerbseinkommens einzahlen.<\/p><\/div><div class=\"Article_element__Tq_1s\"><figure class=\"sc-d47814d6-4 YeebQ\"><figcaption class=\"sc-d47814d6-0 gVurjZ\"><\/figcaption><\/figure><\/div><div class=\"Article_element__Tq_1s\"><div type=\"typeInfoboxSummary\" class=\"sc-92253cc8-0 kGbdVO undefined Default\" data-testid=\"InfoBox\"><div class=\"sc-92253cc8-1 sc-92253cc8-2 bGBSLI duFusH\"><h3>Folgst du 20 Minuten Wirtschaft auf Whatsapp?<\/h3><div class=\"sc-92253cc8-3 hknAoe\"><svg width=\"1em\" height=\"1em\" class=\"sc-b8528708-0 fFsCws\"><use href=\"\/_next\/static\/media\/sprite.d5961885.svg#boomerang\"><\/use><\/svg><\/div><\/div><div class=\"sc-92253cc8-1 sc-92253cc8-4 bGBSLI lcCaqX elementTextblockarray\"><p>Hier kriegst du die aktuellsten News aus der Wirtschaftswelt und die heissesten Updates zu Konsumententhemen direkt auf dein Handy.<\/p><\/div><div 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Nogler\",\"caption\":{\"text\":\"Wer die Steuererkl\u00e4rung nicht auf Papier, sondern elektronisch ausf\u00fcllt, profitiert von verlinkten Tipps und Wegleitungen.\",\"elements\":[{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Wer die Steuererkl\u00e4rung nicht auf Papier, sondern elektronisch ausf\u00fcllt, profitiert von verlinkten Tipps und Wegleitungen.\"}]}]}},\"caption\":{\"text\":\"Wer die Steuererkl\u00e4rung nicht auf Papier, sondern elektronisch ausf\u00fcllt, profitiert von verlinkten Tipps und Wegleitungen.\",\"elements\":[{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Wer die Steuererkl\u00e4rung nicht auf Papier, sondern elektronisch ausf\u00fcllt, profitiert von verlinkten Tipps und Wegleitungen.\"}]}]},\"type\":\"image\"}]}},{\"type\":\"infobox\",\"collapsed\":false,\"infoboxContent\":[{\"type\":\"list\",\"listType\":\"unordered\",\"listItems\":[{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"F\u00e4hrst du mit den \u00d6V zur Arbeit, kannst du die Fahrtkosten abziehen.\"}]},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Nutzt du ein Privatauto, weil du gegen\u00fcber dem \u00d6V \u00fcber eine Stunde sparst oder es dein Job verlangt, sind es 70 Rappen pro Kilometer.\"}]},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Auch die Pr\u00e4mien f\u00fcr deine Kranken-, Unfall- und Lebensversicherung sind abzugsf\u00e4hig.\"}]}]}],\"title\":{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Steuererkl\u00e4rung: Darum gehts\"}]}},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Die Frist f\u00fcr die Einreichung der \"},{\"type\":\"htmlTextItem\",\"htmlText\":\"Steuererkl\u00e4rung\"},{\"type\":\"htmlTextItem\",\"htmlText\":\" l\u00e4uft in den meisten Kantonen am 31. M\u00e4rz ab. Wer keine Verl\u00e4ngerung beantragt, sollte sich nun damit besch\u00e4ftigen. Wie \"},{\"type\":\"internalLink\",\"htmlText\":\"sparst du Geld\",\"metadataID\":103027264,\"url\":\"\/story\/impulskaeufe-mit-der-30-30-regel-kannst-du-richtig-viel-geld-sparen-103027264\",\"tenantUrls\":{\"6\":\"\/story\/impulskaeufe-mit-der-30-30-regel-kannst-du-richtig-viel-geld-sparen-103027264\"}},{\"type\":\"htmlTextItem\",\"htmlText\":\"? Steuerspezialist Oliver W\u00e4lti vom VZ Verm\u00f6genszentrum sagt auf Anfrage, auf welche 12 Punkte du achten musst.\"}]},{\"type\":\"crosshead\",\"htmlText\":\"Tipp 1: Sammle alle relevanten Dokumente\",\"style\":{}},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"\u00abWer gut organisiert ist und alle wichtigen Steuerdokumente schon unter dem Jahr sammelt, spart oft Geld\u00bb, sagt W\u00e4lti. So fehlen beim Ausf\u00fcllen der Steuererkl\u00e4rung keine wichtigen Quittungen, die man abziehen kann.\"}]},{\"type\":\"crosshead\",\"htmlText\":\"Tipp 2: F\u00fclle die Steuererkl\u00e4rung elektronisch aus\",\"style\":{}},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"F\u00fcllst du die Steuererkl\u00e4rung h\u00e4ndisch aus? Ein Umstieg auf die elektronische L\u00f6sung kann sich lohnen: So kannst du die Pauschalabz\u00fcge nicht vergessen, weil sie automatisch abgezogen werden, wie W\u00e4lti sagt.\"}]},{\"type\":\"poll\",\"question\":{\"type\":\"pollItem\",\"id\":\"doc-1iloji5lf0\",\"text\":{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Reichst du deine Steuern p\u00fcnktlich ein?\"}]}},\"answers\":[{\"type\":\"pollItem\",\"id\":\"doc-1iloji5lf0.doc-1iloji5lg0\",\"text\":{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Ja, immer.\"}]}},{\"type\":\"pollItem\",\"id\":\"doc-1iloji5lf0.doc-1ilojjv2q0\",\"text\":{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Ja, ich beantrage aber oft eine Verl\u00e4ngerung.\"}]}},{\"type\":\"pollItem\",\"id\":\"doc-1iloji5lf0.doc-1ilojiij70\",\"text\":{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Meistens.\"}]}},{\"type\":\"pollItem\",\"id\":\"doc-1iloji5lf0.doc-1ilojil3d0\",\"text\":{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Nein, h\u00e4ufig versp\u00e4tet.\"}]}},{\"type\":\"pollItem\",\"id\":\"doc-1iloji5lf0.doc-1ilojl5bu0\",\"text\":{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Nie, ich verpasse die Deadline jedes Mal.\"}]}},{\"type\":\"pollItem\",\"id\":\"doc-1iloji5lf0.doc-1ilojl9jv0\",\"text\":{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Ich muss keine Steuererkl\u00e4rung ausf\u00fcllen.\"}]}},{\"type\":\"pollItem\",\"id\":\"doc-1iloji5lf0.doc-1ilojktoa0\",\"text\":{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Zeig mir nur das Resultat der Umfrage.\"}]}}]},{\"type\":\"crosshead\",\"htmlText\":\"Tipp 3: Ziehe die Kosten f\u00fcr den Arbeitsweg ab\",\"style\":{}},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"\\u003cstrong\\u003e\\u003c\/strong\\u003e\"},{\"type\":\"htmlTextItem\",\"htmlText\":\"F\u00e4hrst du mit dem \u00d6V zur Arbeit, kannst du die Fahrtkosten abziehen. Nutzt du ein Privatauto, weil du gegen\u00fcber dem \u00d6V \u00fcber eine Stunde sparst oder es dein Job verlangt, sind es 70 Rappen pro Kilometer. Der Fahrkostenabzug ist begrenzt. Bei den Bundessteuern liegt die Grenze bei 3200 Franken. \u00abAuch f\u00fcrs Velo, E-Bike und T\u00f6ffli \u2013 auch f\u00fcr die Fahrt zum Bahnhof \u2013 kann man 700 Franken abziehen, das geht oft vergessen\u00bb, sagt W\u00e4lti.\"}]},{\"type\":\"crosshead\",\"htmlText\":\"Tipp 4: Ausw\u00e4rtige Verpflegung ist abzugsf\u00e4hig\",\"style\":{}},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Reicht dir die Mittagspause f\u00fcr eine Heimkehr nicht aus, kannst du die Mehrkosten f\u00fcr ausw\u00e4rtige Verpflegung abziehen \u2013 bei einer Vollzeitstelle betr\u00e4gt der Abzug 3200 Franken. Gibt es eine verg\u00fcnstigte Kantine, sind es 1600 Franken.\"}]},{\"type\":\"crosshead\",\"htmlText\":\"Tipp 5: Vergiss die Versicherungspr\u00e4mien nicht\",\"style\":{}},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Auch die Pr\u00e4mien f\u00fcr deine Kranken-, Unfall- und Lebensversicherung sind abzugsf\u00e4hig. F\u00fcr erwerbst\u00e4tige Alleinstehende mit Pensionskassenanschluss oder Beitr\u00e4gen in die S\u00e4ule 3a betr\u00e4gt der Maximalbetrag auf Bundesebene 1800 Franken, bei Verheirateten 3600 Franken. Kantonal liegt die Spanne\u00a0zwischen 1700 Franken und 5400 Franken bei Alleinstehenden.\"}]},{\"type\":\"crosshead\",\"htmlText\":\"Tipp 6: Spenden reduzieren deine Steuerlast\",\"style\":{}},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"\u00abSpenden an \u00f6ffentliche Anstalten und gemeinn\u00fctzige Organisationen mit Sitz in der Schweiz sind abzugsf\u00e4hig, bis zu maximal 20 Prozent vom Nettoeinkommen\u00bb, sagt W\u00e4lti.\"}]},{\"type\":\"crosshead\",\"htmlText\":\"Tipp 7: Liste deine Gesundheitskosten auf\",\"style\":{}},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Hast du eine neue Brille oder musst du oft zum Zahnarzt? Bewahre die Rechnungen auf und liste sie bei den Steuern auf. \u00abMachen die selbst bezahlten Rechnungen inklusive Selbstbehalt der Krankenkasse mehr als f\u00fcnf Prozent deines Nettoeinkommens aus, sollte man sie unbedingt abziehen\u00bb, so W\u00e4lti.\"}]},{\"type\":\"crosshead\",\"htmlText\":\"Tipp 8: Ziehe die Kosten f\u00fcr Kinderbetreuung ab\",\"style\":{}},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"\u00abViele Kantone ziehen mit dem Bund gleich und erh\u00f6hen den Abzug bei den Kosten f\u00fcr Drittbetreuung der Kinder auch bei den Kantons- und Gemeindesteuern\u00bb, sagt W\u00e4lti. Bis zum 14. Lebensjahr kann man bei der direkten Bundessteuer pro Kind bis zu 25'500 Franken abziehen. Bei den Kantonen neu in vergleichbarer H\u00f6he.\"}]},{\"type\":\"crosshead\",\"htmlText\":\"Tipp 9: Alimente und Unterhaltsbeitr\u00e4ge abziehen\",\"style\":{}},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Wer Alimente und Unterhaltsbeitr\u00e4ge f\u00fcr Kinder bezahlen muss, kann diese bei der Steuererkl\u00e4rung angeben. Es lohne sich darum, vorhandene Trennungsvereinbarungen oder Scheidungsurteile gleich mitzuschicken.\"}]},{\"type\":\"crosshead\",\"htmlText\":\"Tipp 10: Verm\u00f6gensverwaltungskosten angeben\",\"style\":{}},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Bei Wertschriften sind die Verwaltungs- und Verwahrungskosten durch Dritte abzugsf\u00e4hig. Zus\u00e4tzlich kannst du nicht nur Schuldzinsen von Hypotheken oder Krediten abziehen, sondern auch Verzugszinsen.\"}]},{\"type\":\"crosshead\",\"htmlText\":\"Tipp 11: Bilde dich weiter und ziehe die Kosten ab\",\"style\":{}},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Auslagen f\u00fcr Umschulungen und berufliche Aus- und Weiterbildungen sind abzugsf\u00e4hig. \u00abDabei kann man nur die Kosten abziehen, die man selbst tr\u00e4gt, auf Bundesebene bis zu 12'900 Franken\u00bb, sagt W\u00e4lti \u2013 inklusive ausw\u00e4rtige Verpflegung, Reisekosten, einen Anteil an Laptop und Literatur.\"}]},{\"type\":\"crosshead\",\"htmlText\":\"Tipp 12: Steuern sparen mit der Altersvorsorge\",\"style\":{}},{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Sparst du mit der S\u00e4ule 3a privat f\u00fcrs Alter, kannst du bis zu 7056 Franken abziehen. \u00abHat man das Geld, lohnt es sich, diesen Betrag am Beginn des Jahres einzuzahlen \u2013 f\u00fcr 2025 sind es maximal 7258 Franken\u00bb, sagt W\u00e4lti. Selbst\u00e4ndige ohne Pensionskassenanschluss k\u00f6nnen bis zu 35\u2019280 Franken oder maximal 20 Prozent ihres Erwerbseinkommens einzahlen.\"}]},{\"type\":\"embed\",\"url\":\"https:\/\/stocks.20min.ch?height=600\",\"provider\":\"default\",\"embedCode\":\"\\u003cdiv class=\\\"responsiveContainer\\\" style=\\\"position: relative; height: 0px; overflow: hidden; max-width: 100%; padding-bottom: 100%;\\\"\\u003e\\u003ciframe src=\\\"https:\/\/stocks.20min.ch?height=600\\\" frameborder=\\\"0\\\" style=\\\"position: absolute; top: 0px; left: 0px; width: 100%; height: 100%;\\\"\\u003e\\u003c\/iframe\\u003e\\u003c\/div\\u003e\"},{\"type\":\"infobox\",\"collapsed\":false,\"infoboxContent\":[{\"type\":\"textBlockArray\",\"items\":[{\"type\":\"htmlTextItem\",\"htmlText\":\"Hier kriegst du die aktuellsten News aus der Wirtschaftswelt und die heissesten Updates zu Konsumententhemen direkt auf dein Handy.\"}]},{\"type\":\"embed\",\"url\":\"\",\"provider\":\"default\",\"embedCode\":\"\\u003cdiv 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