Why it pays to know your tax estimate before you file

Tired of tax surprises? With taxx.lu, simulate your tax, optimise your return, and get your tax assessment checked by an expert.

Let's be honest, filling in your tax return isn't exactly anyone's idea of a good time. But what's even more frustrating for most taxpayers in Luxembourg is that it's nearly impossible to know in advance whether you'll owe money or get a refund.

In practice, most people:

• fill in their return,
• send it off,
• and only find out when the tax assessment arrives whether they're paying or getting money back, without really knowing if the calculation is correct or optimised.

That's exactly where tools like taxx.lu come in handy: you can test your return (try different scenarios) and get an automatic estimate of what you'll owe or receive, before you submit anything to the tax office.

1. Take back control of your budget

Without a tool, you're basically flying blind:

• you don't know your result until the tax assessment lands,
• you've no idea if you'll be hit with an extra bill,
• and there's no easy way to check if the amount is even right.

With taxx.lu, it's different:

• as you enter your data, your estimated tax bill or refund is calculated automatically;
• you can see straight away whether you're likely to pay or receive;
• and you can plan your budget accordingly.

The idea: stop being at the mercy of the tax system, and take back some control.

2. Try out different filing scenarios

A question we hear all the time:
"Do I actually need to file a return? And if so, how should I do it?"

With taxx.lu, you can:

• test multiple scenarios for free;
• compare how each option affects:
  • how much tax you'd pay,
  • any potential refund.

This lets you see clearly:

• whether it's worth filing a return at all,
• and which approach works best for your situation.

3. Optimise your return (without becoming a tax expert)

Luxembourg tax rules offer plenty of opportunities for deductions:

• loan interest (mortgage or personal),
• deductible insurance,
• pension savings,
• home savings schemes,
• charitable donations, and more.

On your own, it's hard to know:

• what you can actually deduct,
• how much more you could still claim,
• which combinations give you the best result.

With taxx.lu, you can enter your actual expenses and see the impact on your tax estimate in real time.

But here's the real benefit: after payment, the tool doesn't just crunch the numbers, it suggests all possible optimisations to help you get the most out of your return:

• deduction suggestions,
• remaining allowance limits you haven't used yet.

In short: no more guessing which boxes to tick.
taxx.lu guides you to get the best possible result within the rules.

4. Check your tax assessment, and challenge it if needed

Even with a tool, there's still one important step: the tax assessment you receive from the authorities.

Many taxpayers:

• don't know if the result is correct,
• are hesitant to challenge it,
• or just give up because they don't have the time or confidence.

With taxx.lu's Plus or Premium packages, you get extra support:

• an expert reviews your return and can also check your tax assessment if needed;
• if something looks off or there's a potential error, the expert can recalculate your situation;
• if an appeal is justified, taxx.lu prepares the appeal letter for you to send to the tax office.

The result: many clients have already received additional refunds or had their tax assessments corrected thanks to this service.

5. How taxx.lu makes it all easier

In practice, with taxx.lu you can:

• fill in your return online, guided step by step;
• automatically import data from your certificates with Auto Scan;
• test multiple scenarios;
• see your estimated tax bill or refund in real time;
• and, after payment, let the tool suggest all possible optimisations to maximise your result;
• if you choose a Plus or Premium package, get your tax assessment reviewed and support with appeals.

In a nutshell

For most taxpayers, finding out what they owe happens way too late, when the tax assessment arrives, and there's no guarantee it's even correct.

With taxx.lu, you can:

• simulate your return and estimate your tax in advance,
• test different scenarios to find the best option,
• let the tool suggest all possible optimisations after payment,
• and, with our packages, have your tax assessment reviewed and get support if you need to appeal.

Less stress, more clarity… and sometimes, a nice surprise at the end.