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[Overtime work loss!?] The truth of loss when working overtime in March, April, and May

⚠️ you only pay for job insurance, this story doesn't matter.

There are many people who do not understand correctly, so let's take this opportunity to take a closer look!

If you can adjust your overtime hours, please try adjusting them!

Table of Contents

01: Why does the take-home decrease?

02: What is Social Insurance?

03: How to determine social insurance premiums

04: How much is the take-away?

05: Honestly...

06: Is it a loss to pay social insurance premiums?

07: Personally, I work without worrying ◎

08: Overtime and Take-home Summary

09: Next notice

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What creates the future is not "someone someday" but "myself now."

The accumulation of small choices gives shape to the security of the future.

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Let's learn step by step and increase our "choices"!

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💡 [Do you have money anxiety?]

For example, the ideal future may not come if you leave the following anxieties and troubles or leave them as if they are okay.

- I do not know how to do household management

· I do not save money even though I do not have luxury

I want to reduce fixed costs.

I feel like I have too much insurance.

・ I want to start NISA and iDeCo, but investment is anxious

Concerned about funding for children's education

· Old age funds are not enough anxiety

· I do not know the budget and interest rate of my home purchase

If even one of these concerns applies, let's follow and change the future from "anxiety" to "fun"!

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Studying money. # overtime Too much overtime Overtime pay Knowledge of money

4/7 Edited to

私の経験からも、3月〜5月の残業時間が増えると翌年度の社会保険料が上がり手取りが減るのを実感しました。これは標準報酬月額の決定期間が4月〜6月で、その時の給与が基準となるからです。このため、特に年度の変わり目に残業で収入が増えても、その分社会保険料も引き上げられ、結果として手取りが減ることになります。しかし、社会保険料は単なる負担ではなく、将来的な給付の基礎になるため、一概に「損」とは言い切れません。私も、健康保険の傷病手当や厚生年金の給付増加といったメリットを考慮し、過度に残業を気にせず働くことの重要性を感じています。特に現実的には残業時間の調整は難しく、業務の指示に従う部分が大きいので精神的なストレスを減らすためにも、社会保険料の仕組みを理解したうえで気にしすぎないスタンスが良いと実感しています。また、会社が社会保険料の半分を負担していることも重要なポイントで、自己負担額以上の保障が得られる仕組みも安心材料になります。手取りの増減だけにフォーカスせず、全体の福利厚生と将来設計で考えることをおすすめします。最後に、給与明細を毎月しっかり確認し、特に3〜5月の残業手当や基本給の変動を意識することで、標準報酬月額の変化に気づきやすくなります。これにより、不明点があれば早めに会社の人事担当や社会保険労務士に相談できます。私自身、この意識が将来の安心につながると感じています。社会保険料の仕組みを正しく理解し、賢く働き方を選択していきましょう。