Pensioners like to move from Switzerland to Germany because in Switzerland they have to pay full tax on their pension, whereas Germany only sees around half of it as taxable income.
In Switzerland, the use value of your own property is taxable, and interest can be deducted. Germany does not tax owner-occupied real estate at all. Anyone who lives in a debt-free home will have tax advantages in Germany and should seek tax advice in advance if they are thinking about moving to Switzerland.
Self-employed people in Switzerland are compulsorily insured under the AHV and pay an unlimited 10,3% contribution from their income. However, the contributions only form pensions up to an income of CHF 83.520,00. Exceeding contributions therefore have the character of a social tax.
If the different purchasing power is taken into account, then in most cases a balanced ratio will emerge, but an exact statement can only be made after individual examination and weighing up all influencing factors.
