Tax disclaimer

Optiqo is a computational planning tool. It applies published cantonal and federal tax scales to your inputs and surfaces opportunities. It does not:

• Replace a licensed Swiss tax adviser or fiduciary
• Replace the official assessment from your cantonal Steuerverwaltung
• File your tax return for you
• Account for the full complexity of your personal situation (relocation, foreign assets, complex deductions, family circumstances, mortgages, business income, etc.)

If you have any doubt — or if the numbers Optiqo shows have a material financial impact — consult a qualified Swiss tax adviser before acting.

We do our best to keep the underlying tax data accurate:

• Federal direct tax 2026 brackets are from the ESTV Kreisschreiben.
• 26/26 cantonal tax scales are transcribed from the ESTV Kantonsblätter 2026 (one canton, BL, uses a continuous logarithmic formula encoded exactly as published).
• ~2 000 commune Steuerfuss values are sourced from each cantonal Steuerverwaltung's publication. Some cantons (FR, NE, TI) use the latest available year (2025) because 2026 has not yet been published.

Despite this, mistakes happen. The data may lag the official publication by days to weeks. The married-couple tax mechanism varies wildly between cantons (splitting at different divisors, rebates, separate scales) and we use approximations in several cases. Always verify the final number against your cantonal Steuerverwaltung before legal use.

Cantons where the engine uses an approximation rather than a line-for-line bracket transcription. These are clearly labelled in the UI with a “Approx.” or unlabeled-scale notice:

• BL (Basel-Landschaft): §34 StG is a continuous logarithmic formula. We implement it exactly via a custom formula handler. Marginal rates displayed are linearly approximated between sampled points.
• VS (Valais): the canton's bareme uses a de-indexation procedure. We approximate it as a 26-bracket scale, accurate at class boundaries to within CHF 80; the married 35%-rebate (bounded CHF 680–4 900) is not modelled in brackets and applies after the call site.
• NE (Neuchâtel): married uses a 52% rate-determination coefficient. We approximate by using the single scale for both.
• Several small cantons: AR, OW, NW publish their commune Steuerfuss in “Einheiten”; we multiply by 100 to align with the % convention.

Optiqo's tax computation covers ordinary income tax (federal + cantonal + commune). It does not currently model:

• Wealth tax (Vermögenssteuer)
• Property tax (Liegenschaftssteuer)
• Capital gains on private real estate (Grundstückgewinnsteuer)
• Lump-sum withdrawal tax for pension capital (we model this in the “buy-in” lever but not standalone)
• Source tax / Quellensteuer (for foreigners under permit B/L)
• Inheritance and gift taxes
• Cross-border tax implications (frontaliers, partial residents)

Optiqo's plan may include projections (e.g. compounded pension value at retirement, opportunity-cost vs SMI ETF). These are illustrative — they use historical reference returns (e.g. SMI 6% long-run average) which are not guaranteed to persist. Real future returns may be substantially lower.

See Terms of Use § 7 and § 10. To summarise: Optiqo is provided “as is” without warranty. Our aggregate liability is limited to what you paid us (up to CHF 49). We are not liable for any tax assessment, penalty, interest, or other damages resulting from your reliance on Optiqo's output.