To save on taxes, they are not necessary to dodge. Suffice it to know where the government has given us the opportunity to legally pay less.
1. Get a tax deduction
If you are officially under an employment contract, your employer pays 13% tax on the salary of each employee. So, if it were not a tax, instead of 30 000, you would receive at the hands of 34 500.
However, part of the tax paid can be returned. If you spend money for treatment, the first real estate purchase or training yourself and your children, you can get a tax deductionArticle 219 of the Tax Code.
You can return 13% of all spending, but not more than 15 600 rubles and no more than you paid taxes.
It is impossible to predict in advance how much money will be spent on treatment or education. therefore tax deduction it turns out once a year. To do this you need to collect documents confirming the costs of treatment and training, and then assign them to the employer, the tax or to apply online at website Federal Tax Service.
several features should be considered:
- If you have spent for treatment or training of more than 120 000 per year, that deduction can only get 120 000 - is 15 600 rubles.
- If the money went to the training of the child, you can get a deduction of a maximum of 170 000 rubles, two children - at 190,000.
- You can not get more money than you paid taxes. If you have earned for the year only 100 000, and for treatment and training have spent 120 000, will be able to recover only 13% 100 000 - 13 000, instead of 15,600.
- The tax deduction can be obtained no later than three years after the expenses. Thus if you studied for three years and have applied a deduction for the entire time period, you will not get more than 15 600 rubles. It makes more sense to do it every year to squeeze the maximum amount.
- The tax deduction is not available to the unemployed, self-employed workers under a contract of civil law and individual entrepreneurs.
Still there is a tax deduction of property with the limit of 120 000 and two million - can be returned to 13% and up to 260 000 with the purchase of the first apartment. Property deduction pay gradually. If you bought an apartment for two million and this year paid all 50,000 of taxes, you will get back the 50 000, and the remaining 210,000 you will pay in the coming years.
2. Open IE with a rate of 6%
Rather than work for the employer and the state to deduct 13% tax, you can open IE with a tax rate of 6%, and conclude with the head of a service contract. Then the guide will be able to pay you more, and you yourselves will list fewer taxes. In addition, IP is easier to earn a little on the side.
Note that individual entrepreneurs are not entitled to a tax deduction.
There is a caveat: except tax of 6% you will have to pay contributions to the pension fund and health insurance. In 2019 it will have to pay 36,238 rubles, regardless of income, even if the employer suddenly terminate a contract with you.
However, there is a special opportunity for the IP: from the amount you can deduct applicable taxes already paid contributions. That is, if you have earned for the year 600 000 rubles, you have to pay 36 000 tax. But you have already transferred 36,238 rubles contributions, so that taxes Tax Code, Article 346.21. The order of calculation and payment of tax You do not need to pay at all. If the income is above a certain tax to pay still have, but it is also possible to deduct the amount of contributions paid on time.
For example, compare how much will have a year to hand the employee and IP at the same wage.
The employee | IP on the simplified system | |
The resulting money to all taxes and deductions | 600 thousand rubles | 600 thousand rubles |
Tax | 13% - 78 000 rubles | 6% - 36 000 rubles |
Superannuation | 22% - 132 000 | 29 354 rubles fixedly |
Contributions for compulsory health insurance | 5,1% - 30 600 rubles | 6884 ruble fixedly |
Social insurance contribution | 2,9% - 17 400 rubles | — |
The sum of all deductions | 258 thousand rubles | 36 238 rubles contributions. The tax will not have to pay - contributions go into his account as a deduction |
Money on hand | 342 000 rubles - 28 500 per month | 563 762 rubles - almost 47 000 per month |
Work SP looks much more favorable, but remember: if the employer terminates the contract with you and the other Customer will not, you will still have to pay 36,238 rubles contributions, even if there is no arrived.
3. It operates as a self-employed with tax 4%
If you live and work in Moscow, Moscow and Kaluga regions and Tatarstan, since the beginning of 2019, you can participate in the experimentFederal Law of 27/11/2018 number 422-FZ "On the experiment to establish a special tax regime" tax professional income "in the city of federal significance Moscow and in the Moscow and Kaluga regions, as well as in the Republic of Tatarstan (Tatarstan) " - to become self-employed tax only 4% without deductions for retirement and health insurance.
Such status may find the person who gets the money for their labor, but does not have an employer or hired workers. There are limitations: you can not be self-employed or to engage a lawyer with the resale of goods. But if you are a designer, programmer or do at home hairstyles, this mode will suit you.
It may be interesting:
- IP, which now pay 6% tax. They will be able to allocate 4% of revenues from natural persons and not to premiums. Close the IP is not needed.
- People who were thinking to change the office for his own business. Now free float can go without paperwork and mandatory payments. But only: to work as a self-employed on its former chief will not be: this is the tax notice and fined.
- Those who are working under a contract of civil nature. In this case, the customer deducts 13% withholding tax, and if you become self-employed, he will pay you 13% more.
To obtain this status, you need to download the app "My tax" and apply through an application to the tax. You need to enter passport details and attach a personal photo. SP will also need to submit additional statement to the tax. You can then make the required payments directly in the application form and there checks.
Price: Free
Price: Free
The self-employed can not get the basic tax deduction, but they have their own: with each operation they pay 1-2% tax less as long as these do not accrue interest of 10 000 rubles. In fact it means that in a year they will give 10 000 less tax.
This scheme is experimental: there is a risk that something goes wrong and it canceled. But as long as there is a chance you can try and learn from situations benefit.
4. Shop at the duty-free
Domestically, all products subject to duties and VAT, so sellers do mark-up on goods. Physically, the tax paid to the state they were, but in fact it rests on the buyer. Duty-free - free trade zone at the airports. Buying there, you pay less tax.
Most often duty-free take alcohol, perfume, cosmetics, appliances and clothing. It is believed that there is no forgeryBecause the goods come directly from the manufacturers.
There are several pitfalls:
- Get into the duty-free without a ticket on the plane is impossible. That is, there can be purchased only if you are flying abroad.
- The price is often higher than shopping for an expensive lease of commercial space at the airport or any other reasons. You will give less tax, but can still overpay.
Therefore, before visiting the duty-free, read the prices on your products. This can be done on sites, such as MyDuteFree and RegStaer.
see also🧐
- Financial literacy for Dummies: everything you need to know about taxes
- How to make the property tax deduction and get 260,000 rubles from the state
- How do I find tax arrears