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90% don't know. The truth of annual income.

"I'm working hard, but

I have less money than I thought... "

That, maybe

Maybe it's because of the annual income wall.

The annual income wall.

Somehow "only 1.3 million"

Many people think so, but

Actually

✔ 1.06 million

✔ 1.1 million

✔ 1.3 million

✔ 1.5 million

✔ 1.78 million

✔ million

There are six

And what's scary is

there is a line that loses just a little over

✔ Social Insurance increased by more than 200,000 annually

✔ resident tax charged later

✔ out of support, the burden increases at once

Working without knowing

In a state of "decreasing even though I tried hard..."

so the important thing is

Deciding how far to work.

✔ work safely within the dependents

✔ work on the premise of earning well

Just decide between these

Waste loss can be prevented

Working somehow

The most wasteful

So I can look back later

Put it away gently 🍀

。........................................................

Mama's work style design that doesn't cut

Former child support worker for 17 years / Mother of 2 children

Structuring Home Income from Marginal Retirement

Rearrange the way of working from thinking

Create a life that does not cut, with a mechanism

。........................................................

Fighting against rising prices

My time alone.

I trimmed my house.

# mom # parenting

Annual Income Wall 2026

4/21 Edited to

... Read moreこの記事を読んで、「年収の壁」が複数あることを初めて知った方も多いのではないでしょうか。実際、私自身も主婦として働き始めた頃は130万円の壁だけが重要だと思っていましたが、106万円や110万円の壁で思わぬ負担が発生することを知って驚きました。 特に社会保険の加入条件は2026年10月に変わることが予定されており、これによりパートでの働き方も見直す必要が出てきます。週20時間以上、月8.8万円以上の収入がある場合は、社会保険に加入しなければならず、年間約15〜20万円の負担増になることもあるため、収入の差し引き計算は必須です。 また、110万円の壁を越えると住民税が発生しますが、これは翌年に請求が来るため、実際の手取り額とのズレに戸惑うことも。住民税は地域によって異なるため、具体的な金額を市区町村のホームページなどで事前に調べておくことが安心です。 130万円の壁は最も知られているかもしれませんが、扶養から外れることで健康保険や年金の自己負担が増え、一気に負担が重くなります。ここを超えるなら、しっかりと稼ぐことを前提に計画を立てることが重要です。 150万円から201万円の範囲では配偶者控除が徐々に減っていくため、急な負担増ではありませんが、ジワジワと手取りに響いてきます。税制改正の動きもあるので、毎年の情報チェックも欠かせません。 私の経験では、これらの「壁」を意識しながら、扶養内で無理なく家計を補う働き方か、それとも社会保険を負担してでもしっかり稼ぐ働き方か、どちらかに絞ることが大切です。中途半端に壁の近くで収入を増やしてしまうと、かえって手取りが減ることがあるので要注意。 この記事を通じて、具体的な年収ラインごとの支出増や税負担を理解し、ご自分の働き方設計に役立てていただければ嬉しいです。私もこれからも最新の情報を収集しながら、損をしない賢い働き方を模索していきますので、一緒に情報を共有し合えたら心強いですね。

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