With the increase of the average income of ordinary people, everyone has just begun to have more specific regulations on their own salaries, which is mainly manifested in the fact that they must get high salaries, but after the income is high, the individual tax will also increase, which tax officials think is a headache for everyone.

So what can we do to reduce the tax burden with high salary and high income?

Here are four reasonable tax avoidance methods for everyone.

Method 1: Pay more provident fund.

The individual income tax law stipulates that the housing provident fund paid by individuals according to the standard every month can be deducted before tax, and employees can also pay supplementary provident fund. Therefore, it is reasonable to avoid tax by increasing the deposit ratio of provident fund to a certain extent. However, it should be noted that taxpayers should open personal supplementary provident fund accounts in their units when using supplementary provident fund to avoid tax. However, there is also a problem: the supplementary provident fund paid by taxpayers every month cannot be withdrawn at will, which solidifies personal assets to some extent.

Method 2: Choose tax avoidance financial products.

With the development of financial market, many new wealth management products not only have higher income than savings, but also do not have to pay taxes. For example, investment funds, national debt, insurance, education savings and so on. If high-income employees have sufficient funds, they may choose to invest in wealth management products to avoid tax. In this regard, we must warn everyone that although these investments are not taxed, they are at their own risk.

Method 3: Use temporary tax exemption or time difference to avoid tax.

According to the current tax regulations, individual income tax is not levied on the difference income obtained by individual investors from buying and selling stocks or funds, which is one of the few items that are temporarily exempted from personal income tax on the income from personal property transfer. Taxpayers can choose their own stocks or funds to buy and sell, and get the difference income by buying low and selling high, thus indirectly realizing tax avoidance. However, because many taxpayers are not professional financial personnel, it is necessary to consult experts and act cautiously when adopting this method.

Method 4: Use year-end bonus to avoid tax.

According to the tax law, in units that implement annual salary system and performance pay, the annual salary and performance pay realized by individuals at the end of the year are calculated and taxed as one month's salary and salary income according to the annual one-time bonus obtained by taxpayers. However, all kinds of bonuses except the one-time bonus for the whole year, such as semi-annual bonus, quarterly bonus, overtime bonus, cash bonus and attendance bonus, should be combined with the salary of the current month to pay personal income tax. Taxpayers can ask for year-end bonus at the expense of part of the bonus to realize tax avoidance. Note that in a tax year, each taxpayer is only allowed to use this tax method once.

There is a good strategy for tax avoidance with high salary, that is, registering a sole proprietorship enterprise for a high-paying employee, who completes the work of the enterprise in the name of an individual, that is, the cooperation between the two enterprises, and the salary income of this employee is reasonably converted into the service fee of the sole proprietorship enterprise. After receiving the fee, the individual can also invoice the original enterprise. Sole proprietorship enterprises have many advantages in paying taxes. They don't have to pay 25% enterprise income tax, and small-scale taxpayers are exempt from value-added tax within 30,000 yuan. If they can register sole proprietorship enterprises in tax depressions, they can also enjoy the approved tax 10%, which can save more taxes.