FiNexusPlan before year-end
Towards the end of the financial year, we estimate your profit and decide with you: depreciation, provisions, your pay.
Plan your tax. Not at the last minute.
Your company’s tax bill is decided before year-end: depreciation, provisions, salary or dividend. We plan with you, prepare your tax return and check your tax assessment.
In 1 minute
Business tax, without the jargon.
What your company pays, the right time to act and the levers you have. The essentials, in six steps.
1 · What your company pays Indicative effective rate, French-speaking cantons
A tax on your profit.
Confederation Canton Municipality
≈ 0%of your profit, depending on your canton
2 · The right time
It’s all decided before year-end.
JFMAMJJASOND
31.12
Before: you decideDepreciate, make provisions, set your pay
After: you just observeAll that’s left is filling in the return
3 · Your levers
Known rules, applied well.
Depreciation
Provisions
Losses carried forward
Timing of investments
4 · Salary or dividend
The right mix, in numbers.
Salary
−Social security contributions
+Builds your pension
Dividend
+Only partly taxed
−Paid after profit tax
5 · Return and assessment
Filed, then checked.
Tax return prepared Instalments adjusted Assessment checked
Objection filed on time Business tax in 1 minute 6 steps · sound on
0:00 / 0:50
What we do
From planning to assessment.
We handle all of your company’s tax. You make the decisions, with the numbers in hand.
Close with the right choices
Your annual financial statements reflect these decisions, documented so they hold up in a tax audit.
Prepare your tax return
Profit tax and capital tax for your Sàrl (GmbH) or SA (AG), or the self-employed part of your return if you run a sole proprietorship.
Check the assessment
We check the tax assessment you receive, file an objection if it’s wrong and adjust your tax instalments.
Check-up in 1 minute
Paying too much tax?
Eight questions on how you handle your company’s tax. You see straight away which levers you’re not using.
- A score out of 100
- Your unused levers, explained
- Free, no sign-up
Question 1 of 8
Simulator
Salary or dividend? Run the numbers.
Change the mix and see what you keep. A simple estimate, to understand where the money goes before you talk it through with us.
Your situation
CHF
Profit tax: about 14.7% in the cantonal capital
The rest is paid as a dividend, after profit tax.
Your income tax is calculated automatically for your canton, for a single person with no other income.
Net for you, per yearCHF 0
Same as all salary Social securityCHF 0 Company taxCHF 0 Your income taxCHF 0 Net for youCHF 0
Gross salaryCHF 0
Dividend paidCHF 0
With all salary, you would keepCHF 0
Indicative estimate. Assumptions: all profit after tax is distributed; profit tax at the indicative effective rate of the cantonal capital; AHV/AVS, disability and income compensation 10.6%, unemployment insurance 2.2% up to a salary of CHF 148'200, family allowances and admin costs estimated at 2%; dividend taxed at 70% (holding of at least 10%), as for federal tax, the cantonal share may differ; income tax based on the 2026 federal, cantonal and cantonal-capital tax scales, for a single person with no other income or deductions, excluding church tax. No pension fund (LPP), accident insurance or legal reserve.
The levers
Pay less tax, legally.
Nothing exotic: known rules, applied at the right time and documented so they hold up in a tax audit.
Depreciation
The rates accepted by the tax authorities set what you can deduct each year for your equipment. Used well, they reduce your taxable profit.
Provisions
A client who may not pay, a dispute, a warranty: a real, documented risk can be provisioned and deducted.
Salary or dividend
The right mix depends on your profit, your canton and your pension. A salary that’s too low can be corrected by the AHV/AVS compensation office.
Losses carried forward
A loss can be deducted from the profits of the next seven financial years. But it has to be carried into every tax return.
Timing of investments
Buying a machine in December or in January changes the year in which you start depreciating it.
Accurate instalments
Tax instalments set on your real profit avoid a big bill the following year, and the interest that comes with it.
Which plan?
Tax is already included.
Your company’s tax return is part of our plans. With Advisory, we also plan your tax every year.
We handle it all
Your bookkeeping, your VAT, your year-end closing and your company’s tax return.
From CHF 490 per monthWith tax planning
Everything in Guided, plus your annual tax planning and a meeting every quarter.
From CHF 990 per monthYou post, we check
You keep your books in bexio. We review them every month and prepare your tax return.
From CHF 390 per monthWith the Auto plan, the year-end closing and tax return are available as an option for CHF 200 per month.
Get my offerFAQ
What people ask us about tax.
Your situation is a bit different? Just ask us directly, it’s the quickest way.
Talk to an expertWhat does my company’s tax return include?
For a Sàrl (GmbH) or SA (AG): the return for profit tax and capital tax, with the annual financial statements and the appendices your canton asks for. For a sole proprietorship: the self-employed part of your tax return. We file it, then check the tax assessment you receive.
When should I think about tax?
Before year-end. Depreciation, provisions, the timing of investments and your pay are all decided before the financial year ends. After that, all you can do is observe.
Salary or dividend: which pays off more?
It depends on your profit, your canton, your tax rate and your retirement savings. A dividend avoids social security contributions and is only partly taxed if you hold at least 10% of the share capital, but it is paid out of profit that has already been taxed. A salary costs social security contributions, but it builds your pension and gives you access to the pension fund (LPP). And the AHV/AVS compensation office can reclassify part of the dividend as salary if your pay is too low.
How reliable is the simulator?
It’s an estimate: an indicative profit tax rate per canton, your income tax calculated with the 2026 federal, cantonal and cantonal-capital tax scales for a single person with no other income, and basic social security contributions. It does not take into account the pension fund (LPP), accident insurance, your municipality, your deductions or your family situation. Before you decide, we work out the exact figures with you.
What if my tax assessment is wrong?
We challenge it. For federal direct tax as for cantonal taxes, you have 30 days from notification of the assessment to file an objection. That’s why we check every assessment as soon as it arrives.
Are my losses from previous years lost?
No. A loss can be deducted from the profits of the next seven financial years. But it has to be carried correctly into every tax return: we track it from one year to the next.
What if I run a sole proprietorship?
Your profit is taxed together with your personal income and is subject to AHV/AVS contributions. The levers are the same: depreciation, provisions, timing of investments. The salary or dividend question doesn’t apply, but switching to a Sàrl (GmbH) might be worth it: we run the numbers with you.
How much does it cost?
Your company’s tax return is included in the Guided plan (from CHF 490 per month), the Advisory plan (from CHF 990 per month, with annual tax planning) and the Review plan (from CHF 390 per month). With Auto, the year-end closing and tax return are available as an option for CHF 200 per month. Prices excl. VAT.
Shall we talk?
Your tax, prepared in advance.
A first conversation, no commitment: we look at your situation and the levers to pull before your next year-end.