Apply for a non-assessment certificate for pensioners
Pensioners are also subject to tax under certain conditions. If you are not sure if this applies to you, find out here about a way to To save at least part of the tax by obtaining a non-assessment certificate as a pensioner apply for.
What you need:
- Written application, by form or informally possible
Who needs a non-assessment certificate
- That Tax office checks whether you meet the conditions for a non-assessment certificate. For many retirees, the non-assessment certificate is unnecessary, as their income from investment does not exceed the saver lump sum (€ 801 / € 1,602).
- Then it is sufficient to apply for an exemption from your bank Investment income to submit. Your bank will therefore not deduct any withholding tax if the income from investment income is below 801 for single persons or are less than € 1,602 for married couples. If, on the other hand, you have higher income from capital gains, you can at least partially avoid the withholding tax by taking out a pension as a pensioner Non-assessment certificate apply for. You can also submit the application informally if it contains all the relevant data.
This is how you count as a pensioner
A calculation example should show you the amounts for pensioners under the non-assessment certificate are relevant and how you can thereby better protect your income from access by the tax authorities:
- You have been moving in since 2005 pension in the amount of € 12,000. Of this, 50% is taxable = € 6,000, then you can receive investment income of € 1,834 tax-free. This is the basic allowance. In addition: the saver lump sum of 801 € + advertising expenses lump sum of 102 € as well as a special cost lump sum of 36 €. This increases the tax-free sum by a further € 939 if you are single. If, on the other hand, you are married, the amounts double.
- With the non-assessment certificate, you as a pensioner have up to € 2,773 or € 5,546 tax-free from investment income. Income from capital gains above this is of course taxable. Your tax office will be happy to provide you with information on this.
If you are unable to pay income tax due to insufficient income ...
- Submit a non-assessment certificate at all Banks one where you get dividend or capital income interest charges and the like. The number of certificates required can be noted on the application form.
The bank will type this certificate into your system and you will have no problems with your interest income for that year. However, you have to repeat this procedure every year, as, as already mentioned, such a certificate is limited in time.
Additional author: Benjamin Reheis
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