In the words of an old friend, I can save all the taxes I can deduct every month, so I can give my baby a decent early education class. It seems that this personal tax policy will also guide the family's money use direction when the income is expected to continue to rise.
Seeing a case about the change of personal tax payable, I feel that this case alone can make many parents feel the changes that tax will bring to our lives, and they will clearly see the reasons. Share it with everyone.
1, May suddenly paid more taxes than in previous months.
For example, dad's income after deducting five insurances and one gold is 15000 yuan, so having children can enjoy the policy of special deduction for children's education every month. Now there are several known conditions. From 20 18 10 1, the state raised the threshold of individual income tax to 5000 yuan.
At present, the personal income tax rate payable according to employees' wages and salaries is defined as seven levels of excess accumulated income tax rate between 3% and 45%, and such deduction standard will be the tax rate method generally adopted nationwide.
Then, according to the attached table, the accumulated taxable income is less than 36,000 yuan, but not more than 36,000 yuan, so the calculation based on the withholding rate of 3% does not involve quick deduction (involving overpayment of taxes at the meeting). When the cumulative withholding taxable income reaches more than 36,000 yuan and is144,000 yuan (not more than144,000 yuan), the quick deduction rate of 2520 yuan involved in these levels will be deducted according to the calculation of 10% of the next level.
This is the difference you will see when calculating the personal tax payable:
1, 20 19 1, (15000 *1-5000 *1-0/000 *1) *
2,065,438+February 2009, (15000 * 2-1000 * 2) * 3%-270 = 270 yuan money.
3,2065438+March 2009, (15000 * 3-1000 * 3) * 3%-270-270 = 270 yuan money.
4. 2065438+April 2009, (15000 * 4-1000 * 4) * 3%-270-270 = 270 yuan money.
May 20th19, (15000 * 5-5000 * 5-1000 * 5) *10%-2520-270-270 = 900 yuan money.
From this, we can see that the income in the fifth month actually reached 45,000 yuan, which reached the second level of calculating the tax rate 10%, thus resulting in such a difference in personal tax payable, which will be more than that in previous months by 630 yuan. In fact, the new personal income tax policy is more humane, and the formulation of personal tax rate can be fully considered, which can effectively reduce taxes for individuals.
Compared with 20 18, this will greatly reduce the actual effect of personal income tax. Take this case as an example. In 20 18, the total tax deduction is (15000-3500) * 25%-1005 * 9+(65438).
If this income level is maintained in 20 19, the total tax deduction for the whole year is (15000 *12-5000 *12-1000 *12)-2520. Compared with this, the personal income tax saved in 20 19 years will be 10920 yuan, which is quite impressive at first glance.
Second, the actual income should be used reasonably by parents.
In this way, a father's annual income will be saved by more than 1000 yuan. If you add Ma Bao, an early education class or an interest class that children like very much, but they can't decide because they are short of money, it will be much easier.
Of course, it is important to make good use of things. Since you can save so much money, you should make good use of it, which will be the attention and awe to money. When choosing these children's learning interest classes, we should do what we can, don't miss the best opportunity for children to be inspired, and carefully identify these educational resources.
Key Tip: Children's education is inseparable from the support of money. Only when parents have big pockets will children have more opportunities to try and contact. Of course, this also requires parents' continuous efforts in education and study, not just the continuous investment of money.
Today's topic: How can tax breaks help you take care of your children?
Gegewu Parenting: 1 1 year experience in parent-child communication, a parent-child relationship counselor who solves problems in three sentences. It is difficult to write, and one of the most difficult parenting problems is solved in three sentences. Welcome to consult the solution of parent-child conflict by private letter.