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/install geneva-tax-advisor
Description
Guide taxpayers through filing Geneva (Switzerland) tax returns with GeTax. Covers salary, professional expenses (forfaitaire vs effectifs), pillar 3a/3b, he...
README (SKILL.md)
Geneva Tax Advisor
Your guide to filing Geneva tax returns with GeTax — built from real filing experience, not theory.
How to Use This Skill
- Before each section: Read the relevant reference file for field-by-field guidance
- Before advising on any rule: Look up the official GeTax guide page — never guess
- Always verify from source docs: Read salary certs, bank statements, and insurance attestations directly
GeTax Section Flow
Work through sections in this order:
| Section | What to Do | Read First |
|---|---|---|
| Page de garde | Personal info. Commune = residence, not workplace | — |
| Annexe A | Salary per spouse. Check field 15 for hidden deductions | references/salary-and-expenses.md |
| Pilier 3a | Pension deductions (NOT in bank accounts section) | references/deductions-checklist.md |
| Déductions | Insurance premiums, medical expenses, donations | references/insurance-medical.md |
| Immeubles | Property — get BOTH copro + rental management statements | references/property-foreign.md or references/property-geneva.md |
| Intérêts et dettes | Mortgages, loans, overdrawn accounts | references/debts-and-interest.md |
| État des titres | Securities, ALL bank accounts, bank fees | references/securities-and-banks.md |
| Récapitulation | Review totals. Enter source tax for ALL spouses | — |
The 3 Decisions That Matter Most
1. Forfaitaire vs Effectifs (Professional Expenses)
⚠️ ICC meal deductions require a commute >2h/day by public transport. IFD has no such restriction.
Commute > 2h by public transport?
├── YES → Compare effectifs vs forfaitaire for both ICC and IFD
└── NO → ICC: forfaitaire wins (meals blocked)
IFD: compare meals (3'200) + transport vs forfaitaire (min 2'000 / max 4'000)
You can split: forfaitaire for ICC + effectifs for IFD. GeTax allows it.
Read references/salary-and-expenses.md for the full comparison.
2. Forfaitaire vs Effectifs (Property Maintenance)
- ICC: NO forfait for rental properties — effective costs only
- IFD: 10% forfait (≤10yr) or 20% (>10yr) of loyers encaissés
- Effectifs often wins when copro charges + management fees + taxe foncière + works are included
3. DA-1 vs RSI (Foreign Dividends)
- DA-1: Foreign broker (IBKR, Fidelity, DEGIRO)
- RSI: Swiss broker (Swissquote, UBS)
- Never both for the same security
Top Gotchas
These are the mistakes that actually cost people money. Full list in references/gotchas.md.
- Field 15 on salary certs — Amat, APGM, Krankentaggeld hiding there → add to field 9
- ICC meals require >2h commute — most people don't qualify; forfaitaire wins for ICC
- Medical expenses ICC threshold is only 0.5% — almost always worth claiming (IFD is 5%, much harder)
- Foreign medical/dental is deductible — no territoriality restriction
- Bank fees are deductible — enter in F2 as positive values, auto-deducted
- Source tax for BOTH spouses — check every salary cert field 12
- Exchange rates differ — fortune/debt = 31.12 year-end; income/interest = annual average
- Copro ≠ rental statement — always request both; copro often has thousands more in charges
Planning Ahead
- 3a for non-LPP spouse: Higher rate (20% net income, max 36'288)
- 3b / assurance-vie: Geneva couple deduction 3'518 for ~CHF 100/year policy cost
- LPP buyback: Most powerful Swiss tax deduction — unlimited up to pension gap
- From 2026: Retroactive 3a contributions for missed years from 2025+
Reference Files
| File | Read When |
|---|---|
references/salary-and-expenses.md |
User mentions salary, employer, professional expenses, or commute |
references/insurance-medical.md |
User mentions health insurance, premiums, medical bills, dental, or glasses |
references/property-foreign.md |
User mentions foreign property, rental income, or French apartment |
references/property-geneva.md |
User mentions Geneva property, valeur locative, or owner-occupied |
references/debts-and-interest.md |
User mentions mortgage, loan, debt, or interest |
references/securities-and-banks.md |
User mentions stocks, ETFs, dividends, bank accounts, or DA-1 |
references/special-cases.md |
User mentions crypto, vehicle, TOU, quasi-résident, or donations |
references/deductions-checklist.md |
User wants a full overview of available deductions and limits |
references/exchange-rates.md |
User has foreign currency amounts to convert |
references/gotchas.md |
User asks for tips, common mistakes, or optimization |
Official Sources
- GeTax guide:
getax.ch/support/guide/declaration{YEAR}/ - ictax (securities):
ictax.admin.ch/extern/en.html - Exchange rates:
fidinam.com/fr/blog/cours-des-devises-suisse-pour-{YEAR} - Tax rates:
ge.ch/taux-donnees-fiscales - TOU/rectification:
ge.ch/demande-rectification-taxation-ordinaire-ulterieure
Usage Guidance
This skill appears coherent and contains helpful, detailed GeTax guidance, and it does not request any credentials or install anything. Before using it: (1) be comfortable uploading or letting the agent access sensitive tax documents (salary certificates, bank statements, insurance attestations) because the guidance expects those inputs; (2) verify official URLs cited (the GeTax URL in the SKILL.md may be a typo) and cross-check any numerical limits/thresholds with primary sources (ge.ch / ictax.admin.ch) before submitting your return; (3) avoid pasting full sensitive identifiers (full account numbers, machine-readable IDs) unless needed and you trust the platform’s handling of PII; (4) keep original documents and receipts for at least 10 years as recommended; and (5) if you need stronger privacy, restrict the skill from autonomous invocation or only use it in an interactive, supervised session.
Capability Analysis
Type: OpenClaw Skill
Name: geneva-tax-advisor
Version: 1.2.0
The skill bundle is a legitimate and highly detailed assistant for navigating Geneva (Switzerland) tax filings via the GeTax system. It contains accurate guidance on local tax laws, including specific deductions (Pillar 3a/3b), professional expenses (ICC/IFD rules), and foreign property declarations. All instructions in SKILL.md and the reference files are aligned with the stated purpose, and all external links point to official or reputable Swiss tax resources (e.g., ge.ch, ictax.admin.ch). No malicious code, data exfiltration, or harmful prompt injections were detected.
Capability Assessment
Purpose & Capability
The name/description (Geneva tax guidance for GeTax) match the included reference files and SKILL.md. The skill declares no binaries, environment variables, or installs — all appropriate for an instruction-only tax adviser.
Instruction Scope
The SKILL.md instructs the agent to read user-supplied documents (salary certificates, bank statements, insurance attestations) and to consult official GeTax/ictax sources — this is expected for a tax adviser but involves sensitive personal financial data. Also note a likely typo/inconsistency in the GeTax URL listed (`getax.ch/support/...`) — verify official links before using them.
Install Mechanism
No install specification or code files that would write executables to disk; the skill is instruction-only which minimizes install risk.
Credentials
The skill requests no environment variables, credentials, or config paths. All declared resources are proportional to a tax-advisory skill.
Persistence & Privilege
always:false and user-invocable:true. Autonomous invocation is allowed (platform default) but the skill does not request permanent presence or system-wide configuration changes.
How to Use
- Make sure OpenClaw is installed (local or Docker)
- Run the install command in chat:
/install geneva-tax-advisor - After installation, invoke the skill by name or use
/geneva-tax-advisor - Provide required inputs per the skill's parameter spec and get structured output
Version History
v1.2.0
Spec-compliant rewrite: SKILL.md trimmed to 111 lines with progressive disclosure. Gotchas extracted to references/gotchas.md. Better read-when triggers on reference files. Added emoji metadata. Decision tree for forfaitaire vs effectifs.
v1.1.0
Complete rewrite: better structure with emoji sections, decision trees, optimization playbook, 20+ gotchas from real filing experience, planning-ahead tips
v1.0.0
Geneva Tax Advisor 1.0.0 – Initial release
- Step-by-step guidance for Geneva (Switzerland) tax returns using GeTax software.
- Covers all tax sections: salary, deductibles (professional, pillar 3a/3b, medical, insurance, donations), real estate, securities, foreign property, bank accounts, debts, and cryptocurrency.
- Details critical Geneva-specific rules (e.g. ICC meal deduction, source tax, DA-1/RSI, foreign property progression, medical expense thresholds).
- Explains deduction optimization, including forfaitaire vs effectifs for various expense types.
- Emphasizes always referencing official GeTax guides and avoiding guesswork on tax fields.
- Includes summary of future optimization tips and detailed reference file usage.
Metadata
Frequently Asked Questions
What is Geneva Tax Advisor?
Guide taxpayers through filing Geneva (Switzerland) tax returns with GeTax. Covers salary, professional expenses (forfaitaire vs effectifs), pillar 3a/3b, he... It is an AI Agent Skill for Claude Code / OpenClaw, with 139 downloads so far.
How do I install Geneva Tax Advisor?
Run "/install geneva-tax-advisor" in the OpenClaw or Claude Code chat to install it in one step — no extra setup required.
Is Geneva Tax Advisor free?
Yes, Geneva Tax Advisor is completely free, licensed under MIT-0. You can download, install and use it at no cost.
Which platforms does Geneva Tax Advisor support?
Geneva Tax Advisor is cross-platform and runs anywhere OpenClaw / Claude Code is available (cross-platform).
Who created Geneva Tax Advisor?
It is built and maintained by CharlesAl (@calsoufi); the current version is v1.2.0.
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