Year-end tax optimization — Canton Thurgau
A canton-specific rundown of the deductions, contributions, and timing moves that can lower your tax bill before the tax year 2026 closes.
TG
Canton code
×1.00
Cantonal multiplier
Estimated canton/commune multiplier vs. federal tax — approximate only.
12
Applicable rules
0
Canton-specific particularities
Thurgau: how much should you set aside?
Enter your revenue and expenses: the calculator applies Thurgau's multiplier and shows what to park each month for AVS and income tax.
Home office deduction
No fixed cap
If you work from home regularly and have a dedicated workspace, you can deduct a share of rent/mortgage interest, utilities, and insurance proportional to the office area.
Professional tools and training
No fixed cap
Deduct software subscriptions, hardware, books, courses, and conference fees directly tied to your business activity.
Vehicle / travel expenses
No fixed cap
Deduct business travel at CHF 0.70/km (car) or actual public transport costs. Keep a logbook for mixed-use vehicles.
Meal deduction (away from home)
No fixed cap
When working at a client site or traveling for business, deduct CHF 15/meal for lunch and CHF 27.50 for dinner.
Health insurance premium deduction
No fixed cap
Health and accident insurance premiums are deductible up to a canton-specific cap for self-employed persons.
Interest on business loans
No fixed cap
Interest paid on loans used exclusively for business purposes (equipment, working capital) is fully deductible.
Applies from CHF 50’000 revenue
Pillar 3a buy-in for a missed year (new)
Max: CHF 7’258
2026 is the first year you can buy back a Pillar 3a gap (2025). Pay the full 2026 contribution first, then buy in up to CHF 7'258 extra — both fully deductible. Requires a written application to your 3a foundation.
Pillar 3a contribution (with 2nd pillar)
Max: CHF 7’258
Contribute the maximum to your Pillar 3a account before Dec 31. This amount is fully deductible from taxable income.
Pillar 3a contribution (without 2nd pillar)
Max: CHF 36’288
As a self-employed person without a 2nd pillar, you can contribute up to 20% of net income (capped). This is the single most impactful deduction.
Pay provisional AHV before year-end
No fixed cap
AHV/IV/EO contributions paid in the current year are deductible for that year. Ensure your provisional contributions are paid before Dec 31.
Immediate asset write-off
Max: CHF 1’000
Assets under CHF 1,000 can typically be expensed immediately. For larger items, use declining-balance depreciation (often 25-40% per year depending on asset class).
VAT method optimization
No fixed cap
If your expenses are below ~40% of revenue, the flat-rate method (taux de dette fiscale nette) often saves money vs. effective method. Review annually.
Requires VAT registration
Official figures and deadlines — Canton Thurgau
Tax multiplier (canton and capital)
The cantonal Steuerfuss is 109% and has not moved since 2022. Frauenfeld is often quoted at 142%, but that ESTV figure bundles the municipality with the school districts: the political municipality alone is 62% and the primary school district 55%. The overall Steuerfuss comes to 251% if you belong to no church.
Tax return filing deadline
The filing deadline is 30 April, per the capital's tax office — the cantonal site was unreachable when we checked, so confirm the date with your own commune.
Deadline extension
The first extension runs to 30 September and a further one to 30 November; fiduciaries can go to 31 December. There is no fee for individuals — the CHF 30 per month rule applies to legal entities only.
What is specific to Thurgau for the self-employed
Particularity 1
Childcare is CHF 10'100 per child, but Thurgau also caps it at, as a rule, 75% of the costs you can prove — a haircut you will not find in other cantons.
Particularity 2
Insurance premiums are capped at CHF 7'000 married and CHF 3'500 single, plus CHF 1'000 per child.
Particularity 3
Immediate write-offs are open to self-employed people, but a depreciation table is required as a minimum even if you do not keep full double-entry books.
Particularity 4
Costs of a secondary self-employed activity can be claimed as a 20% lump sum, between CHF 800 and CHF 2'400.
Official sources
Facts verified against official sources on 2026-07-29. Not tax advice — confirm with your trustee or the cantonal tax office.
Start your free trial — track these in your canton
Sign in with Google and SoloLedger turns this checklist into a live, canton-aware view of deductions and contributions — inside the Sheets you already use.
No credit card to explore. Your data always stays yours.
Explore other cantons
Estimates only, not tax advice. The cantonal multiplier and deduction caps shown are approximate — confirm figures with your trustee or cantonal tax office before filing.