It's a waste to not know!5 recommended "deductions" that can be used by office workers (Noriko Otake) | FRAU

Unprecedented viruses have not only changed our lives, but also changed their income.Many people may say, "Bonus is greatly cut, and the annual income is reduced by 1 million units ..." or "I have received a leave allowance, but my income has decreased."

What I want you to know is "deduction".Deduction refers to subtracting a certain amount when calculating taxes.In other words, the larger the deduction amount, the lower the tax to be paid and the larger the amount left at hand.

This time, we will introduce five "deductions" that we want to know in such an era, from the deduction of income tax that no one can say "decrease in income is another personnel."

1.A big success in hometown tax payment!"Donation deduction"

Among the many deductions, there are many people who use it for the reason that it is a great deal, "donation deduction".Yes, it is a deduction that is applied for that hometown tax payment.

A donation deduction is a deduction that can be received when a certain donation is made to a national, local government, or a specific public interest promotion corporation.There are two types: "donation deduction", which is an income deduction that deducts from income, and "special donation deduction", which is a tax deduction that deduct directly from there after calculating the tax rate by applying the tax rate to the income.In terms of tax deduction, there is more tax saving effect.

Nevertheless, it is possible to choose whether to be applied to "donation deduction" or to be applied to "special donation deduction", donations to political parties, political funds, NPOs, and public interest incorporated corporations.Only gold.Hometown tax payment is subject to donation deduction as income deduction.

That said, the tax saving by donation deduction is not done.In the hometown tax payment, the income tax can be deducted directly from the resident tax after applying a donation donation of -2,000 yen per year, and as a special case.It is based on this mechanism that the hometown tax payment is said to be "the full donation of 2,000 yen or more will return."

2. "Life insurance premium deduction" that wants to fully use the three frames

If you subscribe to life insurance, you can receive a "life insurance premium deduction" -Bas that you submit a "life insurance deduction certificate" sent from the insurance company every year during the year -end adjustment season.Many people may know.

But did you know that this "life insurance deduction" actually has three deductions?

"Life insurance deduction" is subject to general life insurance, long -term care insurance, and personal pension insurance, and you can receive deductions up to 40,000 yen (total of 120,000 yen in total).If you turn it over, for example, if you have only general life insurance, or if you have only medical insurance, only one of the three deduction slots, that is, only 40,000 yen deductions.There is a possibility that it is not done.If you say "subscribe to insurance to get a deduction slot", you will fall down, but for the appropriate savings type life insurance and personal pension insurance, considering the necessary security and savings for the future.If you join, you may be prepared for the future, and you may be able to use the deduction frame even more.