Optiqo

Changelog

Versioned timeline of Optiqo feature releases, data refreshes, and breaking changes. Newest first.

2026-05-13 — Q & A, crypto section, dedicated subscribe page

  • /faq — categorised Q & A with ~40 short answers, CTAs to paid plan and calculators where appropriate.
  • /crypto — Swiss crypto tax guide (capital-gains rule, wealth tax, staking, NFTs, qualified-trader trap).
  • /calculator/crypto — wealth-tax + staking income estimator with qualified-trader self-check.
  • /subscribe — dedicated landing for the weekly dispatch with sample issue.
  • Newsletter CTAs embedded on /learn, /faq, /crypto, /subscribe (3 more entry points).

2026-05-13 — LPP buy-in how-to, move ROI, mortgage, frontalier, filing

  • /learn/lpp-buyin-howto — 5-step practical guide to actually doing a 2nd-pillar buy-in.
  • /calculator/move — ranks all 25 alternative cantons by net annual saving + payback time.
  • /calculator/mortgage — Eigenmietwert + interest + maintenance math, with 2029-reform side-by-side.
  • /calculator/frontalier — cross-border tax framework (FR/IT/DE residents working in CH).
  • /learn/filing — per-canton eTax portals + field-by-field handoff guide.

2026-05-13 — Embed widgets, self-employed mode, equity calc, 3a withdrawal

  • /embed/atlas + /embed/commune/[bfs] — iframe-friendly partner widgets.
  • Calculator mode for self-employed (higher 3a cap, no LPP).
  • /calculator/equity — RSU + options tax with illiquidity discount.
  • /calculator/3a-withdrawal — brute-force solver for optimal staggered draws.
  • Newsletter signup with double-opt-in via Resend.

2026-05-13 — Income-aware atlas, cheaper-alternatives, couples comparator

  • Atlas now accepts ?income=&status= and re-colors the map by total tax burden at that income.
  • Commune dossiers show "Cheaper at your income" — top 8 nationwide alternatives.
  • /calculator/couples — joint married vs separate-singles tax comparison.

2026-05-13 — Education library, news ticker, 3a provider comparison

  • /learn — 6 articles (3a, LPP, Steuerfuss, Individualbesteuerung, cantonal federation, marriage penalty).
  • /3a — side-by-side provider comparison (VIAC, Frankly, Finpension, etc.).
  • /explore/changes — what changed for tax year 2026.
  • News ticker on every page with 10 curated 2026 items.

2026-05-13 — All 26 cantonal scales verified

  • BL logarithmic formula handler (§34 StG, 4 sections + linear top).
  • VS rebracketed from "impôt cantonal de base" column (was 2× too high).
  • GE additive-multiplier formula (centimes additionnels) corrected: total = base × (1 + canton/100 + commune/100 + 0.01_home_care) × (1 - 0.12_rebate).
  • Splitting divisor helper for FR/GR/SO/SZ/SH/NW/GL/AI/TG/ZG/BS.
  • AR/OW/NW commune Steuerfuss now stored in % (Einheiten × 100) for engine compatibility.

2026-05-13 — ~2 060 communes ingested across all 26 cantons

  • ZH (160) via Statistisches Amt Kanton Zürich OGD CSV.
  • BE (334) via fin.be.ch Steueranlage 2026 PDF parser.
  • VD (304) via État de Vaud Arrêtés d'imposition XLS.
  • AG (197) via ag.ch Steuerfüsse 2026 v4 PDF parser.
  • TG (80), FR (121) via OGD JSON APIs.
  • LU (79) via lustat.ch per-commune XLSX sweep.
  • GE (45) via silgeneve.ch ArCA 2026 decree.
  • NE (24) via ne.ch HTML transcription.
  • TI (100) via ti.ch FU-MCC2025 PDF.
  • All other cantons via PDF parsers (GR, JU, SG, SH, VS, SO) or curated lists for small cantons.

2026-05-13 — Regulatory + legal pages, technical documentation

  • /terms, /privacy, /imprint, /disclaimer — full Swiss-compliant policy pages.
  • /docs/engine, /docs/data, /docs/api, /docs/architecture — methodology + reference docs.
  • Almanac aesthetic system: hairline rules, sculptural numerals, dateline labels.

2026-05-13 — Initial public launch

  • Atlas (free) + calculator (free) + paid plan (CHF 49) wired with Stripe.
  • Document upload with AES-256-GCM encryption + 30-day auto-purge.
  • Anthropic-powered Lohnausweis / Vorsorgeausweis extraction.
  • Multi-language EN / DE / FR via next-intl.
  • Self-hosted Docker deployment on Hetzner Cloud.