会社退職後、転職活動中にかかる税金と社会保険料は?What is necessary payments of tax and social insurance during job hunting after resignation?

会社を退職して転職活動する際に注意したいのが、税金と社会保険の支払です。思いがけない出費に驚かないようにポイントは覚えておきましょう。
During job hunting after resignation from a company, you need to care about payments of tax and social insurance. In order not to be surprised at unexpected payments, please remeber key points.

まず、税金は所得税住民税があります。税金は社会保険と異なり、会社と折半せず全額自己負担となります。収入がないので、所得税は支払う必要はありませんが、住民税の計算方法は前年の所得に基づいて計算されるため、支払う必要があります。
First of all, the taxes consist of income tax and resident tax. Taxes needs to be all paid by an employee and no support from a company. This is different from social insurance. As you don’t earn revenue,  you don’t need to pay income tax. But resident tax calculation is based on prior year’s income, you need to pay resident tax. 

住民税の支払方法は退職月によって異なり、一括給与天引きか普通徴収による支払となります。
The way to pay resident tax depends on resignation month, lump sum salary deduction or general collection.

次に、社会保険は健康保険(介護護保険を含む)、年金保険(厚生年金)、雇用保険労災保険があります。このうち、会社と折半して支払うのは健康保険厚生年金雇用保険であり、労災保険は全額会社負担なので、従業員の負担はありません。
Next, social insurance consists of health insurance (including nursing insurance), pension insurance (welfare pension), employment insurance, compensation insurance. Out of them, a company and an employee go halves on expenses of health insurance, welfare pension and employment insurance. Compensation insurance is all paid by a company and no burden on employees.

無職になると、会社と折半されないため全額自己負担となります。しかし、厚生年金国民年金に切り替わり、雇用保険は無職だとかかりません。
Once unemployed, a company doesn’t pay half the amount any more. You need to pay all amount of the social insurance fees. But welfare pension is switched to national pension, employment insurance is not required for unemployed person.

したがって、まとめると以下の支払いが発生することになります。
Therefore, the summary of necessary payment is as follows:

<健康保険 Health insurance>
任意継続する場合、折半されないため給与天引きされていた金額の2倍かかります。
When you continue health insurance voluntary, the double amount deducted from salary every month needs to be paid because of no support from a company

<国民年金 National pension>
国民年金に切り替わるので、月額13,000円程度を支払う必要があります。
As switching to national pension, around JPY 13 thousand per month needs to be paid.

<住民税 Resident tax>
未納分を支払う必要があります。未納分の支払方法は退職月によって異なります。
The rest of the unpaid amount needs to be paid. The way to pay the unpaid amount depends on resignation month.

こうしてみると、健康保険と住民税の負担が重くのしかかってくるので、転職活動も計画的に行いましょう。
The overview shows the burden of health insurance and resident tax is heavy. Please make an appropriate plan considering the burden of these payments.

Be the first to comment

Leave a Reply

Your email address will not be published.


*