I missed my tax return deadline: can I still get a refund?

The annual tax adjustment must be filed by 31 December of the following year at the latest. Your 2024 income has therefore been out of time since 31 December 2025, but you have until 31 December 2026 for your 2025 income.

How much does a crèche cost in 2026, after the childcare service voucher?

Between the ages of 1 and 4, 20 hours a week are free for 46 weeks a year, whatever your income, in a crèche that offers the multilingual education programme. Beyond that, you pay €0 to €6 an hour depending on household income, and the crèche can charge on top whatever exceeds the State aid. Details are on Guichet.lu (chèque-service accueil).

How do I choose a crèche, and when should I register?

Ask your commune which crèches accept the childcare service voucher. You register directly with each one, and places sometimes go months before the birth. Register early with several providers, and activate the childcare service voucher at your commune.

Made redundant, I'm taking a lower-paid job: is there any aid to make up the difference?

Sometimes: the re-employment aid (aide au réemploi) tops up your new salary to 90% of the old one, for 48 months at most. It is mainly for economic redundancy, or for a jobseeker on benefits aged 45 or over, after 24 months of work, with a permanent contract or a fixed-term contract of at least 18 months. Apply within 3 months.

Resident in Luxembourg: optimise your taxes, property and pension

Cut your taxes, calculate how much you can borrow and estimate your pension: the levers to optimise your financial life in Luxembourg.

Your simulators

Tu peux déduire jusqu'à 672 € par personne de ton revenu imposable.

L'épargne-logement peut réduire tes impôts, même si tu ne prévois pas encore d'acheter. Le plafond peut s'appliquer à chaque membre du ménage.

👉 Jusqu'à 672 €/an déductibles par membre du ménage. Doublé si tu as entre 18 et 40 ans !

See how much I can save

Tu veux payer moins d'impôts ?

Avec le 111bis, tu peux déduire jusqu'à 4 500 € par an de ton revenu imposable. Tu épargnes pour ta retraite et tu réduis tes impôts dès maintenant.

👉 Jusqu'à 4 500 €/an déductibles, dès maintenant.

See how much I can save

Your reflexes

Max out the 111bis every year
Up to €4,500 deductible, to be paid in before 31 December.
Go through all your tax credits
Employee, single parent, overtime: don't leave anything on the table.
Optimise your home savings plan
Ceiling per household member, children included.
Compare your mortgage
A broker can negotiate the rate and terms for you.
Plan ahead for your retirement
The three pillars, and what each one will bring you.
Tick off all your deductions
The list of expenses you can deduct, without missing any.

Worth reading

Family and paperwork

9 min

Becoming Luxembourgish: requirements, test and documents

5 years of residence, Sproochentest at €75, free "Vivre ensemble" course, decision in 8 months: how to become Luxembourgish and keep your original nationality.

10 October 2026

Read the article

Money and retirement12 minCNAP pension: how it is calculated and at what age you can get it

Work and career14 minDismissal in Luxembourg: notice period, severance pay and your rights

Housing and property project9 minBëllegen Akt and home-buying assistance in Luxembourg: an update after the Housing Booster

Taxes8 mintaxx.lu: how to file your tax return online in Luxembourg

Housing and property project7 minMortgage broker in Luxembourg: what they do and what it costs

Taxes7 minTax deductions in Luxembourg: how the money actually gets back into your pocket

Practical guides

Money and retirementverified Oct. 2026Minimum pension in Luxembourg: 2026 amount and the 40-year rule

Family and paperworkverified Oct. 2026Crèche in Luxembourg: finding a place and paying less with the CSA

Family and paperworkverified Oct. 2026Family allowance in Luxembourg: 2026 amounts and payment

Housing and property projectverified Oct. 2026Rent subsidy: are you eligible and how much in 2026?

Work and careerverified Oct. 2026Registering with ADEM and claiming unemployment benefits as a resident

Family and paperworkverified Oct. 2026Parental leave in Luxembourg: options, 2026 allowance, and procedures

Frequently asked questions

The deposit is capped at 2 months' rent. If your landlord keeps money, they must justify each amount with supporting documents within a month of the keys being handed back. Without a dispute, they return half within that month, then the balance no later than one month after the service charges are settled. After a formal notice, each month of delay costs them 10% of the rent. A dispute goes before the justice of the peace.

See yourself elsewhere?

You've lived in Luxembourg for years and you know your way around. At this point, you're no longer trying to understand the basics: you want to optimise. Pay less tax legally, make the right property choices, secure your pension. That's exactly what we cover here, with one promise: neutral advice, we don't sell you any product.

Let's start with the most immediate lever, your taxes. In 2026, you can deduct up to 4500 euros for old-age pension savings, and if you already qualify for early retirement but keep working, the new allowance for staying in working life can reach up to 9000 euros a year. We explain how to actually reduce your taxable income, and we help you choose between joint and individual taxation, because the wrong choice can cost you dearly.

If a property project is in your plans, two questions always come up: how much can you borrow, and what monthly repayment does that mean at current rates? Our borrowing capacity and mortgage simulators give you concrete figures, adapted to 2026.

Then there's your pension. You've been contributing for a long time, but do you really know how much your pension will be, and when you'll be able to retire? Our pension simulator gives you a clear estimate.

To wrap up, we bring it all together in a personalised tax optimisation plan, designed for a Luxembourg resident who wants to make the right trade-offs without relying on the sales pitch of a bank or an insurer.

This is for those who want to shift up a gear: optimisation, wealth, property, pension. Practical, with the calculations to back it up.