New 2026 ceiling: €4,500
Save for retirement. Pay less tax.
Work out in 30 seconds the tax benefit of a pension savings contract under article 111bis of the Luxembourg income tax law.
Your situation
Tax saving per year
- Real cost after tax
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- Marginal tax rate (incl. surcharge)
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Your contact
Make the most of it this year.
Only payments booked by 31 December count for the current year: plan them before mid-December. I review your situation and suggest a suitable solution, free of charge and without obligation.
At the appointment
- A 20-minute meeting, by phone, video call or at the agency.
- We check your deduction ceiling and any existing contracts.
- Together we choose the contribution and the fund profile.
- Please bring: your latest payslip and, if you have one, the statement of your current contract.
2025 tax return
Free help filling in your 2025 tax return.
Due by 31 December 2026. You fill in your own return on steieren.lu, a secure online tax return platform; I help you put each item in the right section, and we review your insurance and pension savings at the same time.
Administrative help with filling in, not tax advice or tax optimisation. You fill in, sign and file your return yourself and remain responsible for it. With your consent, I use this information to review your insurance.Who it’s for
Clients of the agency, and anyone who reviews their insurance and pension savings with me.
How it works
- You book a 30-minute appointment, at the earliest 10 working days ahead.
- I send you a steieren.lu invitation, where you fill in your details and upload your documents.
- At the appointment, by phone, video call or at the agency, I help you complete each section; you sign and file your return yourself.
What you get
- A return filled in without stress, section by section.
- A fresh look at your car and home insurance.
- Your 111bis saving for 2026.
The contract
- Minimum term of 10 years.
- Taken out before age 65.
- Benefits paid between ages 60 and 75, as a lump sum or an annuity.
- Non-residents: deduction only with assimilation to residents (art. 157ter L.I.R.).
At maturity
- The lump sum is taxed at half the global rate.
- A life annuity is 50% taxable.
Calculation assumptions
- 2026 tax scale, without tax credits or other deductions.
- Estimated taxable income: gross × 0.8845, less flat allowances of €540 per employee and €480 per taxpayer.
- Cumulative saving: assuming unchanged income and ceiling.
- Capital estimated before contract fees, not guaranteed.
Frequently asked questions
Can I get my savings back before 60?
As a rule, no: early repayment is excluded except in the event of serious illness or disability. An early surrender for any other reason is taxed in full at the normal rate.
I'm a cross-border worker: can I deduct my contributions?
Yes, provided you opt to be taxed like a resident (art. 157ter L.I.R.). Without this option, the contributions are not deductible in Luxembourg.
I already have a contract: what happens?
The €4,500 annual ceiling applies to the total of your 111bis contributions. If your contract is still set at the old €3,200 ceiling (2017 to 2025), you can increase your contributions to benefit from the difference.
Sources: guichet.public.lu and impotsdirects.public.lu (Luxembourg direct tax administration).