April 7th marks the official opening of the tax return period in Luxembourg. This is the ideal moment to anticipate your steps, avoid the end-of-year rush, and optimise your tax situation. By getting started early, you benefit from smoother processing, better tracking of your documents and, above all, peace of mind.
In Luxembourg, you have two main options to complete your annual tax return:
1. Paper declaration (form 100F)
Still available, the paper version remains popular among many taxpayers, especially French speakers. It must be completed manually and sent by post to the Administration des Contributions Directes.
2. Online declaration via MyGuichet.lu
Faster and more convenient, the platform allows you to:
A LuxTrust certificate (token, mobile app, or SmartCard) is required to secure access and validate submission.
This digital solution is now the most widely used, mainly due to its simplicity and more efficient processing.
Optimising your tax return begins with understanding the deductions available to you. They help lower your taxable income, and thus your final tax amount.
Work-related expenses
These include all costs necessary for your professional activity (travel, materials, etc.).
Annuities and alimony/maintenance payments
Certain annuities or alimony payments are deductible under specific conditions.
Mandatory contributions
Legal social security and pension contributions are automatically taken into account.
Deductible insurance policies
Some insurance premiums can be declared, such as:
Provident premiums
Deductible up to €672 per person (in the household) each tax year; they strengthen your protection while offering a tax advantage.
TSRD (remaining balance) insurance
Also a deductible up to €672 per person (in the household) per year, these policies cover loan repayment in case of unforeseen events.
Other possible deductions
These levers deserve careful attention: when used correctly, they can generate significant savings.
New in 2026: increase in the complementary pension ceiling
This year, Luxembourg introduces an important change: the tax ceiling for complementary pension contributions increases from €3,600 to €4,500.
A valuable advantage, as it allows:
This update makes retirement savings even more attractive and is an opportunity not to be missed.
To support its clients, Foyer partners with taxx.lu, the intuitive and secure Luxembourg tax platform designed to simplify every step of the tax declaration process.
Advantages of taxx.lu:
The user experience is smooth, fast and reassuring.
An exclusive benefit for Foyer clients
As a Foyer client, you automatically benefit from 30% off all taxx.lu packages.
A perfect boost to complete your tax return with complete peace of mind.
