会社員でも確定申告をする時代

おひとり様のお金事情

こんにちは!おひとり様暮らし満喫中のSAWAです。
無事に平成31年度の所得税が還付されました。
2月20日に申告したので、1か月以内で戻ってきています。
1,500円程度ですが臨時収入ですよね♪

会社員なのに確定申告?

社内の人にもよく聞かれます。

年末調整しているのに確定申告なんて必要?

私もここ数年は毎年していますが、以前は確定申告=自営業者だと思っていました。
確定申告をしないために年末調整をしてるんですもんね。
特別な理由がある人がするのが確定申告だと、それくらいの認識でした。

でも!
税制も変わってきました。
確定申告をすることで、会社員でも節税ができます。

どんなときに確定申告をするのか

会社員でも確定申告が必要な具体例を挙げてみます。

  1. 年間の医療費が10万円を超えた場合
  2. ふるさと納税がある一定の要件の場合
  3. 医薬品費が1万2千円を超えた場合
  4. 雑所得が20万円を超えた場合
  5. ローンを組んで家を購入した場合

独身の会社員が関係するのは、大半が2番と3番じゃないかなと思います。
それ以外は…あまり関係ありません。

もちろん、入院などをして医療費が高額になれば必要になります。
住宅ローンを組んだ場合も最初に1回目だけは確定申告が必要です。
ただ、人生で何度もあるようなことではないです。

ふるさと納税で確定申告が必要な場合

ここ数年でふるさと納税の話題が色々あったので、知っている人も多いと思います。
基本的には、ワンストップ特例制度というものがあり、確定申告は必要ありません。
しなくても、書類を送れば自動的に来年度の住民税が減っています。
でも、私が確定申告をする理由の1つが6自治体以上に納税をするかもしれないからです。
5自治体以内ならワンストップ特例を利用できますが、6自治体以上になると対象外です。

こういうと、やたらと納税しているように見えますよね…。(笑)
実際の金額は2万円から3万円程度です。
ただ、いっきにせずに5,000円を毎月など分散しているので、どうしても自治体数が増えてしまいます。
ワンストップ特例を利用するつもりだったのに、6自治体になってしまうとそれが無効になり、確定申告をしなくてはいけなくなります。
それなら最初から確定申告にしよう!と思ったのが1つ目の理由です。

そして2つ目の理由が、下記にも書いているセルフメディケーション税制を利用するからです。
どんな制度かは下に書いていますが、他の理由で確定申告をする場合、ふるさと納税のワンストップ特例も無効になります。

医薬品費が1万2千円を超える場合

あまり知られていないですが、セルフメディケーション税制(特定の医薬品購入額の所得控除制度)というものが平成29年にできました。
医療費控除というと年間10万円が一般的で、単身者にはほぼ関係のない制度でした。
それが改定され、医療費控除の特例として制定されています。

セルフメディケーション税制(特定の医薬品購入額の所得控除制度)は、医療費控除の特例として、健康の維持増進及び疾病の予防への取組として一定の取組を行う個人が、平成29年1月1日以降に、スイッチOTC医薬品(要指導医薬品及び一般用医薬品のうち、医療用から転用された医薬品)を購入した際に、その購入費用について所得控除を受けることができるものです。

厚生労働省のHPより

つまり、ある要件を満たした薬の購入額が年間1万2千円を超すと税金が戻ってくる!ということです。
ざっくりとした説明ですがシンプルですよね。

お薬を買って、箱にこのマークが付いていたら対象商品です。
レシートにも★マークや※マークなどが付いているのでわかります。
そのレシートを集めて年間1万2千円いけばいいわけです。
そのレシートは申告の際に使うので捨てないでくださいね!

そんなにお薬買わないし…という人も多いと思います。でも待ってください!
対象のお薬が結構多いんですよ。

女性だったら生理痛や頭痛で買うロキソニンがそうです。
それ以外にも、風邪薬や花粉症の薬も対象です。
花粉症の薬なんて高いので、2.3か月分買うとすぐいきます。

こんないい制度なのに知らない人が多いです。どうも日本の制度は、知らないと損なことが多い気がします。
逆に言えば、知っていたら受けられる恩恵って結構あります。
是非活用してみてください。

終わりに

そんなわけで、会社員ですが毎年確定申告をしています。
働いているのに申告なんて行けない!という人も多いですが、そこのハードルも最近はグンと下がっています。
私はパソコンで申告をしていますが、スマホでもできるようになっています。

領収書など送る必要はありますが、平日に休みをとって税務署へ行くなんてことは必要ありません。
自分じゃ無理~なんて人も、確定申告の時期は休日に相談にのってくれる場所もあります。是非やってみてください!
一度したら翌年からは抵抗なく自分でできるくらい簡単ですよ。

貴重なお金…1円でも返してもらいましょう!

にほんブログ村 その他生活ブログ マネー(お金)へ
にほんブログ村

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