【2026年改正】年金受給者なら534万円でも非課税世帯に!具体的なシミュレーションをしながら複雑な住民税の仕組みを級地制度ごとに解説

FP1級パパこみやまのこみやまFP総合オフィス

FP1級パパこみやまのこみやまFP総合オフィス

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The December 2025 tax reform outline will significantly change the criteria for determining "resident tax-exempt households" for 2026 and 2027.

"Is working a loss?"
"Is early pension payment a loss?"

That common sense may already be outdated.

In this video, we'll thoroughly simulate the "best way to work" by taking full advantage of the new salary income deduction (up to ¥740,000!) and continuing to enjoy the tax exemption even for households with an annual income of ¥5 million!

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[Table of Contents]
0:00 Digest
0:20 Opening
8:45 [Ages 60-64] The Reforms Create an Opportunity! The Best Way to Work with Pension and Salary
28:16 [Ages 65+] Will We Become a Taxable Household? The Pension Wall and the Secret to Turning It Around
47:48 [Age 70+] The Trap of Increasing Take-Home Pay and the Risk of Paying 30% of Medical Expenses
50:24 [Age 75+] The ¥1.45 million Wall and New Rules for Investors
53:19 Five Golden Rules for "Asset Protection" to Survive 2027 and Beyond

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☆References
・Ministry of Health, Labour and Welfare, "Review of the High-Cost Medical Care Expenses System"
https://www.mhlw.go.jp/content/124010...

・Ministry of Health, Labour and Welfare, "To All Users of the High-Cost Medical Care Expenses System"
https://www.mhlw.go.jp/content/000333...

・National Tax Agency, "Review of the Basic Income Tax Deduction Due to the FY2025 Tax Reform"
https://www.nta.go.jp/users/gensen/20...

・Osaka City, "Tax Reforms for Municipal and Prefectural Taxes from FY2026 onwards"
https://www.city.osaka.lg.jp/zaisei/p...

・LDP, "Review of...