Last year, a friend with the most tax refund around me returned more than 20 thousand!
By the way, remind two points:
1. The year-end bonus can still be taxed separately.
Originally, our year-end bonus, there are two tax methods to choose from:
A: As a one-time income for the whole year, it is taxed separately.
B: comprehensive income tax.
These two tax calculation algorithms are different. Generally speaking, if the income is low, it will be more cost-effective to choose B; The income is high, and choosing A is cost-effective.
For example, Xiao Ming's monthly income is 10000 yuan, and the year-end bonus is 30000 yuan:
If he is incorporated into the comprehensive income, he has to pay a tax of 3000 yuan;
Pay taxes separately, only to 900 yuan.
In order to encourage everyone to declare individual taxes, the tax authorities set a three-year transition period for A, that is, before 202 1 12 3 1, the year-end bonus can be taxed separately.
At the end of the transition period last year, it is reasonable to combine tax payment after the year-end bonus.
However, the economy is so bad that it is not easy to make money. In order to show sympathy for migrant workers, the the State Council executive meeting decided on February 29th, 2020 to postpone "separate taxation" for another year (until the end of 2023).
Therefore, this year's tax return, we still have the right to choose, which one is cost-effective, you can choose which one.
2. What insurance is tax deductible?
Only tax-excellent health insurance, tax-deferred pension insurance and company annuity (generally, only national prefix enterprises pay annuities to employees, and even Tencent does not pay them) can be tax deductible (explained in detail later);
The tax-excellent health code is a string of 18 numbers, which are on the policy, so you can fill it in accordingly; If you can't find it, please ask the customer service of the insurance company to check it for you.
As for ordinary critical illness insurance, life insurance, medical insurance, accident insurance and endowment insurance, they are not tax deductible.
Here are the dry goods for tax refund, and the catalogue is also listed You can choose what you need.
Why do you have to operate the tax yourself? How to refund the tax? You have to pay taxes and not refund taxes. What happened? How can I legally pay less tax? Pay attention to 0 1 for tax refund.
Why do you have to do tax returns yourself?
?
Tax refund, as the name implies, means that you pay more taxes and the state will pay you back. Some friends can't help but vomit: it is better not to pay taxes. Who pays more taxes?
In fact, it is not that they want to pay more, but that the way of paying taxes has changed.
In the past, taxes were mainly paid by companies for us. When paying wages, social security and provident fund are deducted first, and then tax is deducted. Finally, the after-tax income came into our hands. In foreign countries, such as the United States, individuals declare and pay taxes by themselves. Last year, our country carried out a "tax reform" and moved this experience from abroad. It will be officially implemented on March 1 2020.
If you don't choose "unit declaration", you have to declare your own tax. Don't ask, don't declare. Taxes are about our wallets. Be positive, it's always right ~
The worst tax evasion is also a criminal offence. Fan Bingbing and Victoria are both examples. So don't take it seriously.
Share the tax&; Five insurance and one gold calculator, usually the monthly payment can be calculated directly by yourself ~
Click to enter: new tax&; Five insurance and one gold calculator
02
Where does the tax refund come from?
What is the specific situation of tax refund? This is related to the tax deduction method. The current tax deduction methods are withholding and prepayment. That is, monthly deduction, or deduction of income.
How much is deducted each time? Starting from 5000.
For example, your salary is only 3000 yuan, so you are not eligible to pay taxes.
If the salary is 8000 yuan, 90 yuan's tax will be deducted.
It seems that the tax deducted every month adds up to the tax to be paid in one year. Let's call it "total tax 1". But the actual operation is not so simple and rude.
Because from March of 1 year to June 30th of the following year, the tax authorities will recalculate the tax we should pay according to our annual consolidated income, and call it "total tax 2".
There is a formula for calculating the total tax 2, which is very complicated. Simplify it:
Total tax 2= (annual income -60000 tax allowance-other tax-free income) * tax rate-quick deduction.
It doesn't matter if you can't remember. The tax department will help you find out. Then where do I look at these two numbers?
Very simple, the next "personal income tax" APP.
Register with your mobile phone and ID card, then log in and bind your bank card. Then, find "Home Page-General Business-Annual Settlement of Comprehensive Income":
Follow the prompts, and you will see the total tax amount of 1 (that is, "paid tax") and the total tax amount of 2 (that is, "tax payable").
The relationship between total tax 1 and total tax 2 can be divided into three types.
The first type: total tax 2= total tax 1, no refund, no supplement.
Explain that the tax you paid is what you should pay. After asking around, many friends have this situation.
What does this mean? Explain that these friends work in a company and have only one income. Friends of wage earners, if you don't believe it, you can open the APP to see if this is the case.
The second type: total tax1> Total tax 2
It means that the tax paid is too much and needs to be refunded. You must want to know: what kind of people will pay more taxes?
One is low income.
The monthly tax exemption is 5,000 yuan, and the corresponding annual tax exemption is 60,000 yuan. As mentioned earlier, tax deduction means deducting a certain amount every month, and then calculating the general ledger at the end of the year.
May appear, tax on a monthly basis; But on an annual basis, there is no need to pay taxes.
Give a chestnut.
Xiao Ming, 1 month year-end bonus plus salary, 8000 yuan was paid on the first day, and 3000 yuan was paid as usual on the following 1 1 month. According to the tax threshold of 5,000 yuan, Xiaoming will pay the tax in 90 yuan from June 65438+ 10. However, once the annual income is calculated, Xiaoming only has 4 1000 yuan.
The exemption amount is less than 60 thousand yuan in a tax year. Then he doesn't really have to pay taxes.
The tax bureau wants to return the 90 yuan that has been paid to him.
The second common tax rebate category: young people who cut off more income.
Last year's tax reform, a major change-the combined taxation of remuneration, labor services, royalties and wage income.
As well as writing and labor remuneration. 800 yuan is taxed at the rate of 20%. After the combination of individual tax and wage income, it will become 5000 yuan, which can save some taxes. If the corresponding tax rate is lower than 20%, you can pay a lot less.
In this case, there will be a tax refund. Therefore, friends with part-time income, such as the student party, don't blame Dabai for not reminding you, and quickly see how big the tax refund red envelope you can get.
03
It's not a tax refund, it's a tax. What happened?
What I said before was tax refund. Then why do friends pay taxes?
Supplementary tax corresponds to the third relationship between total tax 1 and total tax 2: total tax 1
In other words, you pay less tax than you actually have to pay. Naturally, I have to make it up.
Paying taxes usually happens to friends who have multiple incomes.
But it is just the opposite of the "multiple income, tax refund" mentioned earlier. The problem lies in the different income channels after tax declaration:
1) The 5000 yuan exemption will be deducted repeatedly.
2) A lower tax rate has been adopted.
When the tax department collects and liquidates your annual income, it only deducts the exemption amount of 1 time, and may use a higher tax rate.
Or give a chestnut:
Xiao Ming changed his job that month. By next month, he has two incomes: from his previous company and his current company.
Suppose it's all 30,000 yuan. If the two companies file tax returns separately, that is, (30,000-5,000) * 3%, then 750 yuan's tax will be deducted from the two companies. But for the tax department, Xiao Ming's actual income that month was 60,000 yuan.
Then the tax he should pay =(60000-5000)* 10%-2520 (quick deduction) =2980.
Look, the original tax return is almost half missing. Then Xiaoming naturally has to make up for it ~
04
Can I legally pay less tax?
Happy tax refund. Paying taxes is equivalent to spitting up the meat you have eaten. It hurts.
Is there any way to pay less tax reasonably and legally? Yes
I won't talk about the noble way of doing charity.
What ordinary people can use is mainly "special additional deduction"
To put it bluntly, there are six kinds of designated fees, which can be used to deduct individual taxes.
1. Children go to school.
There is a child at school, whether it is kindergarten, primary school, junior high school, high school, university, graduate student or doctor.
That's 1000 yuan a month, excluding tax.
Two children, that's 2000 yuan.
2. Go to school or study by yourself
Academic education such as self-taught adult undergraduate, excluding tax, 400 yuan every month, up to 48 months.
If it is a vocational examination, such as a teacher qualification certificate, 3600 yuan can be tax-free in the year when the certificate comes down;
3. First home loan
Monthly 1000 yuan, excluding tax;
No more than 240 months.
Married, there are two suites at home, and only one set can be tax-free.
4. Rent
800 yuan, 1 100 yuan per month or 1500 yuan, depending on your city.
But if you apply for a rent-free mortgage, even if you really rent a house, you can't apply for rent-free.
Support the elderly
Parents must be over 60 years old.
Up to 2000 yuan a month.
If you are not an only child, then 2000 will be divided with your brothers and sisters.
6. Serious illness treatment fee
After medical insurance reimbursement, your own money is10.5 million.
You can apply for tax exemption, up to 80 thousand yuan a year.
If your own is not enough, you can add your spouse and children's.
Note that the above are all pre-tax deductions.
For example, 2000 yuan does not mean that you pay 2000 yuan less tax directly, but that there are 2000 yuan without tax.
As for how much you pay less, it depends on how many things happen to you.
Want to pay less taxes, or think more from the "special additional deduction".
For example, rent (if the landlord doesn't cooperate, you can fill it yourself as long as you have a contract).
For example, whether one person applies for 100% or two people each apply for 50% (for example, having two children; There is a suite before marriage.
Try it more on the tax APP, maybe there will be surprises ~
05
We must pay attention to these points.
Finally, for this tax return, Dabai would like to remind you several times:
1. Self-employed individuals are not included in this tax refund, please ignore them automatically;
2. Refund can be avoided. Anyway, if you lose your own money, you should make some contributions to the country.
However, if you want to pay taxes, you must pay them (lower than 400 yuan, and you can not pay them according to the policy). And it must be completed before June 30.
Otherwise, you will not only have to pay a late fee (five ten thousandths of a day); You will also receive a letter of credit, which will affect your loan to buy a house and a car; What is more serious is criminal offence.
In short, it is the duty of every citizen to pay taxes according to law. Don't try to escape, but you can't escape (if you don't pay the tax, the tax department may deduct it directly from your income, which is not polite at all ~).
When operating, pay attention to check whether your income is appropriate.
Some companies may steal your information to make false accounts (especially student friends), but you pay the tax, so don't mention it. APP reports directly.
At present, some income does not count.
For example, rent, stocks, dividends, bonuses, overseas income ... Of course, if you want to pay taxes, you can fill it out yourself ~
Finally, I will send you an interpretation of the People's Daily. If you don't understand, read it several times in combination with the above analysis.
If you have any questions, please call 12366 directly to ask the IRS ~
You can also keep this article today. Every year from March to June, it will be needed. Hard code word, everyone likes it ~
Did you get the tax refund? Still have to pay taxes? Welcome to share in the comments section ~