【確定申告or年末調整】確定拠出年金は所得控除の対象です

年末調整の時期ということで、先月末あたりから保険料控除のための資料が皆さまの自宅に届いているのではないかと思います。年末調整に携わっている時毎回思うのですが、

税金を安くしたいのなら生命保険をいっぱいかけるより、確定拠出年金(iDeko)の方がいい

と。

従業員の立場の方も、保険料控除等申告書をご自身で書いていたらわかると思うのですが、保険料の控除額は限度があります。年間8万円(旧制度なら10万円)までの保険料の支払いがあれば、所得税の控除額は最大4万円(旧制度なら5万円)になります。なので、保険料が年10万円だろうが20万円であろうが年末調整で使える保険の掛金は8万円(旧制度10万円)までです。税金を安くするためには8万円以上の保険料は使えません。

(ちなみに保険料控除は所得を小さくする”所得控除”でして、この所得は住民税の計算でもそのまま使いますので住民税も安くする効果がありますが、ここでは簡便的に所得税だけで説明させていただきます)

よって、もっと税金を安くしたい!保険は今入っているもので十分かむしろ多いかも!と思っている方は、最近は確定拠出年金(iDeco)に加入された方も多いのではと思います。

確定拠出年金(iDeko)は個人年金の種類の一つですが、年末調整においてiDecoは「小規模企業共済等掛金」であり、個人年金型保険は「生命保険」です。
つまり生命保険と個人型年金保険に入っている場合には、年末調整で使える所得控除は生命保険料控除だけですが(※)、

保険にもiDecoにも入っている人は、年末調整において保険料控除保険料控除+小規模企業共済等掛金控除の2つが使えることになります。

iDecoが分類されている小規模企業共済等掛金控除の所得税控除枠は、掛金丸々が所得控除の対象です。実際には掛金拠出限度額がありますので無制限ではありませんが、掛金で払った分はそのまま年末調整で使えます。

(※)生命保険料と個人年金保険は別々に控除額算定がされますので、2つに入っていれば最大8万円が所得控除の枠です。さらにiDecoに入っていると、8万+iDeco分の控除枠となります。

個人年金は運用の結果元本割れしそうで怖い…と思う方は、iDecoの運用先に定期預金を選べばよいと思います。定期預金で貯金しても税金は減りませんが、iDecoで貯金(掛金拠出)すれば税金は減ります。

iDecoは途中解約ができず、運用手数料も発生し、また年金として受け取るときには雑所得もしくは一時所得として税金がかかるというデメリットもありますので一概にお得だ、とはいえないのですが、

これも年金受給のタイミングを調整するなどして、iDecoに入った方がお得になる条件を考えて掛金を決められるのも一つ手ではあるかと思います。運用手数料も高くありませんので、一定程度の余裕資金がある方は定期預金に預けておくよりは、手元資金を増やす方法としては使える制度だなという認識です。

なお確定拠出年金は、始めようと思ってから手続きに約2か月程度かかりますので、今から始めても平成30年の年末調整には間に合わないのが残念なところ…。しかし今から手続きをとれば来年の1月スタートを目指せるはずです。

既にiDecoに加入されている方は、今年の年末調整で該当書類を会社に提出するのをお忘れなく!

🌸税理士法人ヒダへの問い合わせはこちら

🌸If you have any, please ask us, here.

 

 

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