Before you know it, it's the end of the year again, and when you take stock of what flags you have completed this year, there is a very important thing that you must not forget!
That isConfirm the information on the special additional deduction of individual income taxIt's important to have it done by December 31 of this year, so what does the confirmation process look like?
In addition,Personal pension contributionsIt's also time to enter the countdown, and if you want to use it to deduct taxes, you have to hurry up and complete it.
Let's talk about these topics together.
In order to reduce our burden, the state has certain tax reductions for people who meet the requirements, so let's take a look at what situations can apply for individual income tax deductions:
For example, 3-year-old infant care, children's education, housing loans, etc., can be deducted by couples togetherGenerally, the party with a higher income is deducted 100%, which can save more money
In addition,Housing rentwithHome loan interestIf you work in a big city and take out a loan to buy a house in your hometown, it will be more cost-effective to choose rent.
If you want to apply for the above special additional deductions, the operation method is also very simple.
Friends who have already filled in the special additional deduction last yearIf the information has not changed, confirm that it is correct and select it directlyBring it in with one clickCan.
Of course, you need to pay extra attention to the actual filling processIs there anything that needs to be amended, added or abolished this year?
For example, if you have a rental deduction, you should see whether the rental time covers 2024, otherwise it will not be deducted, and if you have moved this year, remember to update the information in time.
Or if the elderly in the family are over 60 years old this year, or they just gave birth to a baby this year, they can also make a new declaration to offset more taxes.
If this is the first time to fill inFor example, if you have just graduated, you can directly fill in the relevant information in the special additional deduction on the homepage of the individual income tax app.
There are some information that need to be provided when applying for specific projects, and we have also compiled a list:
You can fill in the report according to your actual situation, so that you can get more tax refunds next year.
In addition to the above seven additional special projects that can be deductible, they were implemented last yearPersonal pensions are also tax deductible, so how much exactly?Let's move on.
Personal pension, last year began the country to vigorously promote, I believe everyone is no stranger, simply said it is a special account for saving pension money, after saving money in, to the statutory retirement can be withdrawn.
You can save up to a year1.20 thousandEntering, the specific amount of tax can be deducted, which is also closely related to our income, you can refer to the following table:
As you can see,The higher the income, the more tax deduction there is
If it is deducted according to each tax deduction item,The tax rate is still 10% and above for friends, and a personal pension is worth considering buying
For example, if the annual income is 700,000, there is 600,000 taxable, according to 1With a limit of 20,000 yuan, you can save 3,600 yuan in taxes a year.
Especially at present, at the age of fifty or sixty, close to retirement age, it is more cost-effective to buy a personal pension, and it can be withdrawn as a pension after a few years, and it can also be deducted from taxes.
If the tax rate does not exceed 3%., such as annual income before tax 960,000, or an annual income of 100,000 but less than 9 after special additional deductions60,000,It is not recommended to buy a personal pension
Because the annual income is less than 60,000 yuan, there is no need to pay taxes;And the annual income is more than 60,000 9The annual tax rate of 60,000 yuan is 3%, and personal pensions also have to pay 3% tax when they withdraw money in retirement, and they actually do not enjoy tax incentives.
That ifI lost the personal pension I bought last year, do I still have to pay this year?We also had a special analysis a few days ago, and interested friends can go to my homepage to view.
By the way, if you want to buy a personal pension this year to deduct taxes,Remember to put your money in by December 31After saving, remember to fill in the information.
After saving and filling in the deduction information before the end of the year, this part of the money will not need to be taxed when the individual income tax is settled next year.
In addition, considering the uncertainty of the time to receive personal pensions, such as being affected by delayed retirement, not so soon to receive money, some friends may not be willing to buy, in this case, you can also consider increasing the amount of whole life or annuity insurance to prepare a pension for yourself.
Every penny of the workers is hard-won.
The special additional deduction of individual income tax is a tax reduction benefit given to us by the state, so we must remember itConfirm by December 31
In addition to the confirmation of the special additional deduction of individual income tax, the payment of personal pension is also due before the end of this month
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