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りん/育休中のくらし

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Adjustment at the end of the year💓

If you do not know, you will lose in 100,000 yen ⚡

Be sure to check!

Childcare leave How to spend time during maternity leave Year-end adjustment Mom on maternity leave The Tax Dependent

2025/11/17 Edited to

育休中は収入が減る、またはゼロになることで税金の申告が不要と思いがちですが、実はこの期間こそ正しく年末調整を行うことが大切です。私自身も育休中に年末調整の方法を知り、結果的に10万円以上の節税につながりました。まず大事なのは『パパの税扶養に入ること』です。育休中の収入が低い、もしくはゼロであっても、配偶者控除の対象になる条件を満たせば夫の所得税や住民税が軽減され、翌年の保育料も安くなるという大きなメリットがあります。書類の書き方には少し注意が必要ですが、基礎控除申告書や配偶者控除等申告書の適切な記入で問題なく申請できます。次に見逃せないのが『生命保険料控除と地震保険料控除の合算申請』です。育休中の妻名義の保険契約でも、夫が保険料を支払っている場合は夫の年末調整で控除を受けられる可能性があります。勤務先や保険会社に確認しながら手続きをすると、さらに節税効果が期待できました。私の経験から言うと、育休中は情報収集と早めの準備が重要です。会社からの案内や税務署のウェブサイトも活用し、わからない点は人事担当や税理士に相談してみると安心です。知らないと損するだけでなく、家計の助けにもなるので、ぜひ今年の年末調整は計画的に進めてみてください。

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