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年金が1.9%アップでも手取りは減る?2025年に知っておくべき天引き項目の全貌ン

2025年4月から年金支給額が1.9%増額されることが決定しました。しかし、物価高騰が続く中で、この増額だけで生活が楽になるとは言い切れません。特に問題となるのが、年金から自動的に差し引かれる税金や社会保険料の存在です。これらの金額は年々増加傾向にあり、実際に手元に残る金額を圧迫しています。

本記事では、2025年度の年金支給時にどのような項目が天引きされるのかを具体的な計算例と共に詳細解説します。これを機に、ご自身の家計状況を見直すきっかけにしてください。

知っておきたい4大天引き項目

毎月の年金からは主に以下の4種類のお金が差し引かれています:

  1. 所得税及び復興特別所得税
  2. 住民税(市区町村税)
  3. 国民健康保険料(75歳以上の方は後期高齢者医療保険料)
  4. 介護保険料(65歳以上の方対象)

所得税・復興特別所得税の仕組み

所得税計算ではまず、年金収入から基礎控除(48万円)と公的年金等控除(65歳以上110万円)を差し引きます。課税所得に対して適用される税率は、194万9,000円以下の場合5.105%です。

[具体例] 年額204万円の場合:

  • (204万円 - 158万円) × 5.105% = 約2万3,000円

"意外と高い"住民税の中身とは?

"所得割"と"均等割"で構成される住民税。
"所得割"部分は課税所得×10%、さらに一律6万円前後の均等割り加算されます。

[具体例] 年額204万円の場合:
  • (204万-153万)×10% +6万=約11万1000円
>

>医疗分・支援分・介护分三部分构成,各自治体独自率适用。

>> [具体例]东京都江户川区基准(204万年收):</ STRONG>>
    >> <
  • >(204萬-153萬)×12.55%+69,000≈13萬3000圓</ LI>> / ul>> </ div>> >

    >>65岁以上必须加入,金额依前年度收入和各市区町村标准而异。

    >> [具体例]年間収入204万円場合:</ STRONG>>
      >> <
    • >標準的なケースで約8萬7840圓程度<// LI>> // ul>> >

      >>>thb项目名>>>tdd所得税>>>tdd居民稅>>>td国保費

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