A retirement savings plan is an excellent opportunity for tax optimisation. By investing in a solution such as easyLIFE Pension, you get twice as many benefits: building capital for your retirement while significantly reducing your current tax burden.

Each taxpayer can deduct up to €3,200 per year under Article 111bis of the Luxembourg Income Tax Law (LIR), meaning tax reduction of up to 45% of the premium paid.

Here is a specific illustration of these benefits:

• A single person with a taxable income of €50,000 who invests €3,200 per year can save up to €1,334 in tax, that's 41.69% of their investment.

• For a married couple with a joint taxable income of €100,000, savings could reach up to €2,671 per year if each partner invests €3,200, representing savings of 41.73% of the total investment.

Calculate your tax savings with our pension simulator.

Self-employed workers and liberal professionals can optimise their tax situation with lalux-Safe Future. This solution allows premiums invested to be deducted as special expenses, with a ceiling set at 20% of net annual income.

Employees benefiting from a company pension plan like the lalux-Staff Protect can further optimise their tax situation by paying supplementary personal contributions. Capped at €1,200 per year, these payments directly reduce the monthly taxable salary.

Personal insurance offers significant tax deduction opportunities. Up to a limit of €672 per taxpayer, you can deduct the following insurance premiums: 

• Life, death and disability insurance

• Health insurance (like DKV Luxembourg insurances)

• Accident insurance

• Civil liability insurance (car and family)

• Rental risks

• Outstanding balance insurance

LALUX is committed to an environmental approach by offering the digitisation of tax certificates. Using the easyAPP, you can access your tax documents from your mobile or computer with complete ease.

Tax optimisation through insurance products allows you to:

• Significantly reduce your tax burden

• Prepare for retirement

• Protect your family

• Manage your documents in an environmentally-friendly way

Take control of your tax affairs and explore all the tax benefits to suit your personal situation.