How to save on taxes? Council for pensioners

Pensioners living in Russia have to save every penny. However, many people do not know that the Elderly Citizens State provides tax breaks that allow tens of thousands of rubles in the budget. Details of this bankiros.ru told the associate professor of the Department of Legal Regulation of the Economic Activities of the Financial University under the Government of the Russian Federation Oksana Vasilyeva.

Tax benefits for property

The pensioner is exempt from him if owns:

• - residential building, part of a residential building;
• - apartment, part of the apartment or room;
• - garage or machine-space;
• - premises used as creative workshops, studios, studios, non-state museums, galleries, libraries;
• - Economic structures whose area does not exceed 50 square meters. M and which are located on land plots for conducting personal subsidiary farms, gardening, gardening or IZhS.

It is worth considering that the benefits are provided with respect to one object of taxation of each type.

Also a very important fact: despite the fact that in 2021, the retirement age was increased in Russia, the benefits remained the same. That is, taxes are not property may not pay women from 55 years old and men from 60 years.

Tax income benefits

NFFL (13%) The following incomes of pensioners are not subject to:

• - pensions for state pension provision, insurance pensions, fixed payment for insurance pension (including its increase), accumulative pension, legislatively established social surcharges for pensions;
• - the amount of payment at the expense of the employer of the cost of sanatorium-resort vouchers (except tourist) former employees who quit in connection with a disability retirement or in old age, if the ticket services are provided on the territory of the Russian Federation and the costs of their payment are not taken into account by the tax employer on profits or employer applies a special;
• - the amount of payment at the expense of the employer who remained after payment of the income tax, the cost of treatment and medical care for former employees who resigned in connection with retirement retirement or in old age;
• - Gifts from organizations and individual entrepreneurs, as well as material assistance provided by employers to their former workers who quarreled in connection with retirement retirement or by age, the amount of payment (compensation) by employers' cost of drugs for more than their employees (retirees by age). For each of these bases, the amount of income-taxable income is not more than 4,000 rubles per calendar year.

Who is the tax deduction for Earth?

Since 2017, pensioners have been eligible to reduce the tax base for land tax on the magnitude of the cadastral value of 600 square meters. m square of one land plot. At the same time, this site may be owned or in constant (indefinite) use or lifelong inheritable possession.

"It should be noted that the benefits of the payment of land tax, including the establishment of a tax deduction, for pensioners can be established by local law," Vasilyeva said.

By the way, these benefits also receive citizens of pre-age age, that is, women with 55 flying and men from 60 years.

Tax deduction for property

Those older citizens who are owned by an apartment, a home or land plot can get a property deduction on NDFL. It is paid both for the purchase of real estate and for paying interest if the apartment or the house was taken on credit. In addition, the payment is not made unite, but for three tax periods preceding the period in which the transferred balance of property deductions was formed. The size of such a deduction may not exceed 2 million rubles if the property was purchased on credit, and 3 million rubles, if it was built or bought without the use of loans.

Tax benefits for transport "The tax enters the budgets of the regions, so the benefits of it establish regional authorities. Most often, the benefit is given by one car with an engine power up to 100 horsepower. The variation in the size of benefits in the regions is large - from 20 to 100%, "said Vasilyeva.

For example, Pensioners of St. Petersburg or citizens who have reached the age of 60 and 55 are men and women, respectively, can not pay the transport tax for one passenger car of domestic production with the engine capacity of up to 150 horsepower inclusive.

Earlier, Vasilyeva told, what benefits are pensioners for paying the LCA.