What's the difference between individual tax and social security?

We know that as taxpayers, paying taxes is an obligation, and employees must pay taxes when their wages reach a certain standard. Not only that, they also have to pay social security. So what's the difference between individual tax and social security? Let me explain the relevant contents below for your reference and study, hoping to help you.

1. What's the difference between individual tax and social security?

Personal income tax is paid to the state, and social security is paid to the future pension, which is different in nature.

1, people who pay social security also have to file tax returns;

2. The basis of social security payment is the same as that of individual tax payment, both of which are wages;

3. After the integration of the five certificates, the relevant information of social security and individual tax will be cross-reviewed.

Social insurance refers to a non-profit social security system with the function of income redistribution. It is a system that forces most members of society to participate in order to prevent and share social risks such as old age, unemployment, illness and death and realize social security. Social security is also called "five insurances and one gold". The so-called five insurances are endowment insurance, medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, and "one gold" refers to the housing accumulation fund.

Social security expenses (taking private enterprises as an example)

Take the minimum social security as an example, in which the old-age insurance needs to pay 28%; Medical insurance12%; Unemployment insurance 1%, maternity insurance 0.8%; Industrial injury insurance is 0.3%, so the minimum social security contribution is 66.65438+ 0% of income. Of course, social security is not mandatory to buy all six items, and can be purchased selectively. For example, it only takes 40% to buy medical insurance and endowment insurance.

Of course, social security is not paid in full by individuals. Among them, individuals only need to pay 20% of the total social security, so individuals only need to pay 13.2% of their income. The remaining 80% is paid by the enterprise. Taking the income of 4,000 yuan as an example, the total amount of social security to be paid is 2,644 yuan, of which 528 yuan is paid by individuals and the rest is 2 1 16 yuan.

Second, how to apply for personal social security for local household registration

Social security bureau handles

Local people who need to buy social security can go directly to the local local tax bureau to buy it. Individuals affiliated with the company apply for social security and purchase in the name of human resources companies. Individuals sign agency contracts with human resources agency companies, submit relevant materials, and pay social security fees and service fees. (Social insurance premium: composed of enterprise payment part and individual payment part), which is purchased by the unit to which the individual belongs, and the total social insurance premium is paid by the individual. The agency pays social security fees for individuals on a monthly basis. Individuals can check the details of social security purchased by themselves on the social security bureau network (or local tax network) and get the social security card the next month (before). People who need to buy social security from affiliated units: freelancers, entrepreneurs, flexible employees, temporarily unemployed or short-term workers.

I want to buy social security from a human resources company in my own name, mainly because I want to enjoy: old-age insurance, maternity insurance and medical insurance. There is also no work-related injury and unemployment insurance (both work-related injury and unemployment insurance are paid by the company for employees, but there is no labor relationship between the individual and the human resources company, and the agency company cannot prove that the individual has a work-related injury or is unemployed without his will).

Anyone's unemployment insurance is unemployment against his will, such as enterprise closure, enterprise layoffs, enterprise failure to renew the contract and so on. Industrial injury insurance is also a state of working in a normal unit. Only when you are injured at work can you enjoy the treatment of industrial injury insurance.

Online processing

In order to make citizens enjoy more convenient services in the process of handling social security, some areas have launched a network for handling personal social security business. Before opening the online social security business, an individual must apply to the local tax department for his online password with his ID card, and then he can open it at any time. Specific problems encountered in social security management can be obtained through the network, and there is no need to go to the local tax department to handle them. Even if the social security certificate is issued, it can be handled online, and government departments can also confirm the authenticity of the social security certificate through the online social security certificate inquiry system of the local tax department. When individuals pay social security fees through the Internet, they should also obtain the debit card user number online and go to the bank to handle the entrustment procedures for bank card deduction.

From the above explanation, we can understand that there is an essential difference between social security and personal income tax. Paying social security can guarantee your life after retirement.