How to return paid taxes?

Because almost everyone has the right to a tax deduction, but for some reason few people use it. In 2016, only 10% of Russians tried to return taxes, according to NAFI (National Agency for Financial Research).

This is the right to get back some of the money you gave to the government in taxes. It is available to anyone who pays 13% income tax. In other words, it works “officially.”

You are most likely wrong. There are many reasons to receive a deduction. For example, you bought a home (if you use a mortgage, this is an additional deduction), insured your life, paid for treatment or education, placed money in an individual investment account ( here you can read what it is, and here how to return taxes on it). A deduction is also due if your child is under 18 years old or is under 24 and is a full-time student at a university. There are also more exotic categories: for example, a deduction for charitable contributions. And this is not a complete list.

Certainly. Each deduction is equal to 13% of what you paid for the purchase of an apartment, treatment, education, etc., invested in a mortgage or deposited in an investment account. There is an important condition: you cannot be refunded more than you paid in taxes for the year. Let's explain with an example: let's say you have the right to a deduction (or several deductions) of 100 thousand rubles. But you will receive it only if you paid 13% tax on this amount during the year. This is possible if your official salary is about 65 thousand rubles per month. And if you earn 100 thousand a month and pay your taxes honestly, you can get up to 156 thousand per year as a deduction.

The most impressive amounts are returned when purchasing a home, especially with a mortgage, and opening an individual investment account (IIA). You can get back up to 260 thousand for housing, 390 thousand for mortgage interest, and up to 52 thousand rubles for an investment account. Why not more? The fact is that all deductions have an upper threshold - that is, the amount based on which these 13% are calculated. For housing it is two million, for a mortgage - three, and for an individual investment account - 400 thousand rubles. That is, even if the apartment cost you five million, you can only get back taxes on two. But there is good news: deductions for apartments and mortgages can be “carried over” to the next year. Here's what this means: let's say you are entitled to a deduction of 260 thousand for the purchase of an apartment, but you only paid a hundred thousand in taxes. This is not a problem: you will still receive the promised 260 thousand - just not in one year, but in three.

What could we do without it? For education, treatment, life insurance and voluntary pension insurance (this is when the money is contributed not by the employer, but by you yourself) this is 120 thousand rubles per year. Moreover, if you have the right to only one such deduction, you will receive a maximum of 13% of 120 thousand (meaning 15,600 rubles). If you can count on two or three, also no more than 15,600 in total. However, there is a nuance: if the treatment was expensive ( that’s what this means), the deduction may be higher. Deductions for children are fixed: 1,400 rubles to each parent for one child, 3 thousand for the third and each subsequent one.

Not necessarily. Let's imagine a married couple with two children. My daughter goes to paid English courses (yes, this also counts), and my son got braces in a private clinic. It turns out that for children the family will receive 5,600 rubles, for courses (costing 60 thousand per year) - 7,800 rubles, for dental services (90 thousand for everything) - 11,700 rubles. In total - 25,100 rubles per year. And this is the basic scenario.

In general, yes. First of all, you need to fill out a declaration (the program can be downloaded on the Federal Tax Service website), make a copy of your passport, take a 2-NDFL certificate from work and write an application for a tax refund (in free form). Plus, you need to confirm your right to each deduction with documents. For example, to deduct for education you will need an agreement with the educational institution and payment slips. For the purchase of an apartment - a sales contract, a certificate of registration of ownership (the so-called “green card”) and payment slips. All this pile of paperwork can be brought to the Federal Tax Service in person, sent by mail, or scanned and uploaded to the taxpayer’s personal account (you must first register, of course).

Can. Sberbank, with which we wrote these cards, has a tax refund service . It’s structured very simply: you leave an application on the website, then the tax consultant of Sberbank’s partner calls you, and then you simply photograph all the necessary documents and send them to him. Then he fills out the declaration himself and gives you a ready-made package of documents. You take it to the Federal Tax Service, upload it to your personal account or send it by mail. After which the funds arrive on your card.

Not at all. If you are ready to fill out a simple online form instead of 3-NDFL, then consultant support will cost 499 rubles. For the service of filling out the declaration, you will be charged 1,499 rubles, and for 2,999 rubles, your documents will also be taken to the tax office. In the latter case, after you photograph the documents, you will just need to wait for the money to arrive on your bank card (you don’t even have to be a Sberbank client, just go to the website and click the “Return taxes” button).