2025 is here, and with a new year comes new financial opportunities and challenges. In this blog post you will find the most important information about taxes, changing health insurance providers, pension plans and mortgages - all prepared especially for you as an independent woman. Because: the better informed you are, the easier it is for you to make the right decisions.
At a glance
Tax return : Deadline for submission is March 31, 2025. Extension possible.
Changing health insurance providers : Cancel basic insurance by November 30th, supplementary insurance by September 30th.
Pillar 3a : Maximum contributions increase in 2025; subsequent payments possible.
Mortgages : Plan follow-up financing early – at least one year in advance.
Taxes: Plan cleverly and meet deadlines
In most cantons, you must submit your tax return by March 31, 2025. If you need more time, you can apply for an extension - usually free of charge. But be careful: If you extend the deadline and then miss it, you could be charged fees of between CHF 40 and 60.
Example:
Let's say you're on vacation at the beginning of March. No need to panic: simply apply for an extension online. This will give you more time to put together all the documents such as Pillar 3a receipts or donation receipts.
👉 Useful for you: You avoid unnecessary stress and can ensure that you use all possible tax deductions.
More information: ESTV tax return
Health insurance: Why a change could be worthwhile
You can cancel your basic insurance until November 30, 2025 if you want to choose a different insurance policy from 2026. For supplementary insurance, the deadline is September 30 - a notice period of three months is often required here.
Tip: Wait until autumn to compare the premium adjustments of the health insurance companies. You can often save hundreds of francs per year by switching.
Example:
Let's assume that your current basic insurance costs 400 CHF per month. A cheaper alternative with similar benefits costs only 350 CHF. That's 600 CHF saved per year - enough for a nice weekend in the mountains or further training!
👉 Useful for you: You can save money and still have the healthcare you need.
More information: BAG health insurance change
Pillar 3a: Your key to more provision and tax savings
Pillar 3a is one of the most effective ways to provide for your future and save taxes at the same time.
The following applies for 2025:
With pension fund: Pay a maximum of CHF 7,258 .
Without a pension fund: 20% of your net income, maximum 36,288 CHF .
A new feature from 2025 is that you can pay contributions retroactively - up to ten years retroactively. This means that even if you were unable to pay in recent years, you can now close gaps.
Example:
Imagine you pay CHF 7,000 into Pillar 3a and save around CHF 1,500 in taxes (depending on your income and canton). That's cash that you can use elsewhere.
👉 Useful for you: You secure tax advantages and at the same time build up a financial cushion for the future.
More information: BSV Pillar 3a
Mortgages: Plan early to save
If you have a mortgage, you should start planning your follow-up financing at least a year before the current term expires . Many banks do not inform you until late - often too late to find a better option.
Tip: Set a reminder to compare offers a year before your mortgage expires. You can often save several thousand francs by switching to a cheaper bank.
Example:
You currently pay 1.5% interest on a mortgage of 500,000 CHF. If you reduce the interest rate to 1.2% through follow-up financing, you will save 1,500 CHF per year!
👉 Useful for you: You can save a lot of money while ensuring that the financing fits your lifestyle.
More information: Mortgage tips
Why this information is important for you
With this information you have a clear overview of your finances. You can:
Avoid stress by meeting deadlines.
Save taxes by investing wisely in Pillar 3a.
Make more out of your money by using health insurance and mortgage comparisons.
Plan for the future without feeling overwhelmed.
Do you have any questions or would you like to delve deeper into a topic? Feel free to register for one of our workshops. Together we will ensure that 2025 is your year of financial independence! 🌟
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