【極秘】211万円の壁を越えても住民税非課税世帯になれる！5つのケースから制度の本質を解説！
FP1級パパこみやまのこみやまFP総合オフィス
174,458 views
[Video Supplement ②]
In Case ③, a couple with an annual income of ¥4 million, the "wife's income reserve" explained at the end was incorrect.
The exact details are as follows!
300,000 yen remaining from public pension deductions (this remains unchanged)
100,000 yen remaining from salary income deductions (I forgot about this! This means she could earn another ¥100,000 from part-time work)
450,000 yen other income (any income is fine! This remains unchanged)
So, in total, they have an income reserve of ¥850,000!
That brings them closer to ¥5 million, which is a dream come true!
🎁Get a free gift first!
Sign up to the official LINE account of Level 1 Financial Planner Dad and receive the "4 Super Luxury Perks" to ease your financial worries! 👇
https://lin.ee/xK1PYsq
[No Resident Tax Even with an Annual Income of ¥10 Billion!?]
You'll be missing out if you don't know! A Level 1 Financial Planner reveals the secrets to becoming a "resident tax-exempt household" that only the wealthy know.
Would you believe that someone with an annual income of 1.5 million yen and someone with an annual income of 100 million yen could both become "resident tax-exempt households"?
This isn't just a secret trick for the wealthy.
It's the difference between knowing the "real rules" of taxation.
In this video, we'll thoroughly explain five specific ways to obtain the ultimate privilege of dramatically reducing your insurance and medical expenses!
■Turn your financial worries into hope! ■
Register on our official LINE account and receive four super-luxurious bonuses right now ↓↓↓
🏆①: A Financial Planner Secretly Shares! [A List of Forbidden Money-Saving Tips to Save 30,000 Yen Monthly on Fixed Costs] (PDF)
🏆②: No Knowledge Required! [Complete Startup Course on the New NISA] (PDF)
🏆③: Perfect for Your Personality and Risk Tolerance! [Fail-proof Asset Building Portfolio Diagnostic Tool]
🏆④: Turn Your Strengths into Money! [Discover Your Strengths with a Dad with a Level 1 Financial Planner! A Small Business Starter Book for Starting from Scratch] (PDF)
▼Get it for Free Now▼
https://lin.ee/xK1PYsq
[Click "Open in App" and answer a short survey]
[About Individual Consultations and New Services]
We are planning a paid consulting service tailored to your needs.
Information will be provided via our official LINE account, so please register if you're interested.
Of course, we also accept traditional consultations.
(Note: Due to a high volume of applications, we are currently limiting the number of available slots.)
■_________________________________________________■
[Table of Contents]
0:00 Digest
5:32 Five Cases Where High-Income Individuals Can Be Tax-Exempt
5:53 Case 1: Single-Person Household with an Annual Income of 1.5 Million Yen
6:41 Case 2: Dependents with an Annual Income of 2 Million Yen
8:02 Case 3: Couple with an Annual Income of 4 Million Yen
11:26 Case 4: Single-Person Household with an Annual Income of Over 5 Million Yen
12:49 Supplementary Information
18:57 Case 5: Single-Person Household with an Annual Income of 100 Million Yen
21:40 [Countermeasures] 4 Strategies to Become a Tax-Exempt Family
○Related Videos
・[From Defense to Offense] Strategies for Ensuring a Stable Income with Early Pension Payments
【年金は60歳からがお得】繰上げ受給が最強にお得な理由と繰上げ受給してはいけない人の...
[Pensions Start at Age 60] Explaining Why Early Pension Payments are the Best Value and the Traps for People Who Shouldn't Take Early Pension Payments, Cleverly Hidden in the System
・[The Best Work Style] 5 Reasons Why Part-Time Housewives Should Start a Small Business
【2025年最新】扶養内パートいくらまで？扶養外で働くなら？法改正で年収の壁がなくな...
[2025 Update] How Much Part-Time Work Can You Earn While Being a Dependent? What If You Work Outside the Dependent Status? Will Legal Reforms Eliminate the Annual Income Limit? We'll Explain the Best Cost-Effective Work Style in an Easy-to-Understand Way
・Conversely, here's an example of how NISA status can be added to income and removed from the dependent status, regardless of whether you're a NISA member or not.
【99%が知らない】NISAが原因で30万円罰金！？扶養から外れる理由と対策方法をわ...
[99% Don't Know] NISA Could Lead to a 300,000 Yen Fine!? A clear explanation of why you might be removed from the dependents list and how to deal with it.
・[This is the reason!] 11 reasons why you might not be exempt from resident tax and what you can do about it! If you don't prepare in advance, you could end up regretting it for the rest of your life.
【〇〇が原因！】あなたが住民税非課税になれない11の理由と対策を解説！事前に準備して...
References, etc.
・Minato City: Under what circumstances is resident tax (special ward tax and metropolitan tax) exempt?
https://www.city.minato.tokyo.jp/kaze...
・Nara City: Individual Municipal Tax
https://www.city.nara.lg.jp/soshiki/1...
・Musashino City: Individuals Exempt from Individual Municipal Tax
https://www.city.musashino.lg.jp/kura...
☆[Finance Planner Level 1 Dad Komiyama] Profile
Living in Nara Prefecture.
A former firefighter (accounting) and former stay-at-...
20 Comments
経営セーフティ共済て初めて聞きますが、これは開業初年度は使えないのですね。残念。なので、住民税非課税世帯は狙いませんが、小規模企業共済は満額入ろうかと思います。
そしてこれは撤回手続き忘れると忘れている間ずっと年金とまるので忘れずに停止撤回手続きしましょう。
1ヶ月分止めるなら停止手続きした次の月に停止撤回手続きを。
65歳から年金をもらう予定ですが、賃貸物件をもっており、その収入が650万ぐらいあります。収入が年金だけになったとしても、この家賃収入からは逃れならないので、非課税世帯にはなれませんよね？１人で住んでいます。またなれないとしたら、70歳から年金もらった方が増えるしよいですよね？正直家賃収入だけで、年金もいらないし、働かなくてもやっていけます。
私も近々60歳での引退を考えています。65歳までそこそこ年収で仕事を継続できますが、60歳以降に人生を楽しみたいので、そのようにしたいと思っています。
私の場合は年金が60歳に繰上げしても２３０万/円ぐらい（一時金にできない終身の企業年金込）になってしまうので、妻を扶養していても65歳以降ですら住民税非課税世帯になれません。
そこで、個人事業の赤字を出して損益通算する方法を考えていました。赤字の出し方としては、家事按分だけでは赤字額が足りないので経営セーフティ共済を考えていました。ただ経営セーフティ共済は個人事業の場合は出口戦略が立てにくいです。出口時に大きな赤字とぶつけないと大きく所得税／住民税が取られます。
そこで別案として中退共を考えています。中退共も所得控除ではなく経費に入れられます。ただし、妻に専従者給与を支払うと扶養から外れるので、妻の所得控除が使えず住民税非課税世帯のラインが遠のいて本末転倒になってしまいますが。。。なので、別の人に専従者給与を支払う必要があります。
もちろん、個人事業の継続的な赤字の是非や、あえて赤字にしているように見えるので、税務署からの否認リスクはあると思います。
この案はいかがでしょうか？
動画中に触れられていないことで要注意点を一つ
投資の繰越控除を受けると、大幅損失であっても控除適用前の数字が所得判定に使われてしまい、
その額が大きいと最終的にはマイナスでも均等割は課されることになります
セーフティー共済を積み立てつつ、それを借入して、投資に回しています。今年いっぱいで800万円の積立枠を使い切ってしまうのですが、節税効果を今後も、維持、拡大していくためには、どうしたらベストでしょうか
なんでも均等割が非課税になるライン（基準が厳しい）にひっかるとあるのですがどうなのでしょう？無知ですみません、繰り上げして狙いに行くかどうか悩んでおります。
そうなると来年は動画内でも話している息子の私の収入によって住民税非課税世帯になれなさそうな感じがします。
世帯分離自体は聞いたことがありますがどうすればよいのか、何が難しいのか等ぜひ教えて頂ければ助かります。
よろしくお願いします。
年金、給与収入では夫婦2人とも非課税の計算になりました。ただ保険の運用支払金が雑所得で40万円程あります
これはどのように算定したらいいでしょうか？
追加の修正パート大変役に立ちました。
今年度の所得を抑えるのに、小規模共済かセーフティ共済どちらにしようか考えていました。
ChatGPTのアドバイスでは「どちらでも」でした。
（しれっと間違いを教えますもんね）
修正動画のおかげで小規模共済は×ということがわかりました。
大変助かりました。ありがとうございました。
90の母が認知症になり施設に入ってます。 収入は父の遺族年金と母の年金だけです。
住民税が非課税になっているというのは何を見ればわかるのでしょうか？ 自分から申請しないとならないものなのでしょうか
【極秘】211万円の壁を越えても住民税非課税世帯になれる！5つのケースから制度の本質を解説！
FP1級パパこみやまのこみやまFP総合オフィス
174,458 views
[Video Supplement ②]
In Case ③, a couple with an annual income of ¥4 million, the "wife's income reserve" explained at the end was incorrect.
The exact details are as follows!
300,000 yen remaining from public pension deductions (this remains unchanged)
100,000 yen remaining from salary income deductions (I forgot about this! This means she could earn another ¥100,000 from part-time work)
450,000 yen other income (any income is fine! This remains unchanged)
So, in total, they have an income reserve of ¥850,000!
That brings them closer to ¥5 million, which is a dream come true!
🎁Get a free gift first!
Sign up to the official LINE account of Level 1 Financial Planner Dad and receive the "4 Super Luxury Perks" to ease your financial worries! 👇
https://lin.ee/xK1PYsq
[No Resident Tax Even with an Annual Income of ¥10 Billion!?]
You'll be missing out if you don't know! A Level 1 Financial Planner reveals the secrets to becoming a "resident tax-exempt household" that only the wealthy know.
Would you believe that someone with an annual income of 1.5 million yen and someone with an annual income of 100 million yen could both become "resident tax-exempt households"?
This isn't just a secret trick for the wealthy.
It's the difference between knowing the "real rules" of taxation.
In this video, we'll thoroughly explain five specific ways to obtain the ultimate privilege of dramatically reducing your insurance and medical expenses!
■Turn your financial worries into hope! ■
Register on our official LINE account and receive four super-luxurious bonuses right now ↓↓↓
🏆①: A Financial Planner Secretly Shares! [A List of Forbidden Money-Saving Tips to Save 30,000 Yen Monthly on Fixed Costs] (PDF)
🏆②: No Knowledge Required! [Complete Startup Course on the New NISA] (PDF)
🏆③: Perfect for Your Personality and Risk Tolerance! [Fail-proof Asset Building Portfolio Diagnostic Tool]
🏆④: Turn Your Strengths into Money! [Discover Your Strengths with a Dad with a Level 1 Financial Planner! A Small Business Starter Book for Starting from Scratch] (PDF)
▼Get it for Free Now▼
https://lin.ee/xK1PYsq
[Click "Open in App" and answer a short survey]
[About Individual Consultations and New Services]
We are planning a paid consulting service tailored to your needs.
Information will be provided via our official LINE account, so please register if you're interested.
Of course, we also accept traditional consultations.
(Note: Due to a high volume of applications, we are currently limiting the number of available slots.)
■_________________________________________________■
[Table of Contents]
0:00 Digest
5:32 Five Cases Where High-Income Individuals Can Be Tax-Exempt
5:53 Case 1: Single-Person Household with an Annual Income of 1.5 Million Yen
6:41 Case 2: Dependents with an Annual Income of 2 Million Yen
8:02 Case 3: Couple with an Annual Income of 4 Million Yen
11:26 Case 4: Single-Person Household with an Annual Income of Over 5 Million Yen
12:49 Supplementary Information
18:57 Case 5: Single-Person Household with an Annual Income of 100 Million Yen
21:40 [Countermeasures] 4 Strategies to Become a Tax-Exempt Family
○Related Videos
・[From Defense to Offense] Strategies for Ensuring a Stable Income with Early Pension Payments
【年金は60歳からがお得】繰上げ受給が最強にお得な理由と繰上げ受給してはいけない人の...
[Pensions Start at Age 60] Explaining Why Early Pension Payments are the Best Value and the Traps for People Who Shouldn't Take Early Pension Payments, Cleverly Hidden in the System
・[The Best Work Style] 5 Reasons Why Part-Time Housewives Should Start a Small Business
【2025年最新】扶養内パートいくらまで？扶養外で働くなら？法改正で年収の壁がなくな...
[2025 Update] How Much Part-Time Work Can You Earn While Being a Dependent? What If You Work Outside the Dependent Status? Will Legal Reforms Eliminate the Annual Income Limit? We'll Explain the Best Cost-Effective Work Style in an Easy-to-Understand Way
・Conversely, here's an example of how NISA status can be added to income and removed from the dependent status, regardless of whether you're a NISA member or not.
【99%が知らない】NISAが原因で30万円罰金！？扶養から外れる理由と対策方法をわ...
[99% Don't Know] NISA Could Lead to a 300,000 Yen Fine!? A clear explanation of why you might be removed from the dependents list and how to deal with it.
・[This is the reason!] 11 reasons why you might not be exempt from resident tax and what you can do about it! If you don't prepare in advance, you could end up regretting it for the rest of your life.
【〇〇が原因！】あなたが住民税非課税になれない11の理由と対策を解説！事前に準備して...
References, etc.
・Minato City: Under what circumstances is resident tax (special ward tax and metropolitan tax) exempt?
https://www.city.minato.tokyo.jp/kaze...
・Nara City: Individual Municipal Tax
https://www.city.nara.lg.jp/soshiki/1...
・Musashino City: Individuals Exempt from Individual Municipal Tax
https://www.city.musashino.lg.jp/kura...
☆[Finance Planner Level 1 Dad Komiyama] Profile
Living in Nara Prefecture.
A former firefighter (accounting) and former stay-at-...