退税季必看！存个人养老金，真的能多退几千块

Group 1 - The announcement from the National Taxation Administration specifies that the personal income tax settlement period for the 2025 fiscal year will be from March 1 to June 30, 2026, with appointment services available for taxpayers [1] - Taxpayers can make appointments for settlement from February 25 if they plan to settle between March 1 and March 20; otherwise, they can settle anytime from March 21 to June 30 without an appointment [1] - The annual settlement is crucial as it reconciles the actual income with the prepaid tax, which can be affected by various factors such as income fluctuations and unreported deductions [2][3] Group 2 - Taxpayers may experience discrepancies between prepaid taxes and actual tax liabilities due to income variations, such as bonuses or job changes [2] - Special deductions for items like children's education and mortgage interest must be reported during the annual settlement if not claimed monthly, preventing overpayment of taxes [3] - Tax benefits from contributions to personal pension accounts and charitable donations need to be declared during the settlement to be effective, impacting the refund amount [4] Group 3 - Starting January 1, 2024, a deferred tax benefit for personal pensions will be implemented nationwide, allowing taxpayers to deduct contributions from their taxable income [5] - Contributions to personal pensions in 2025 can be deducted up to 12,000 yuan per year, reducing the taxable income and thus the tax liability [6] - The maximum tax savings from contributing the full amount to personal pensions can vary based on the taxpayer's income bracket, with potential savings ranging from 840 yuan to 5,040 yuan depending on income levels [7] Group 4 - Taxpayers who begin contributing to personal pensions in 2026 will not benefit from the 2025 settlement but can still claim deductions in the following year's settlement [8]