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We would like to inform all members, whether or not they are mutual members, including their family members, that making extraordinary contributions to the mutual insurance, before the end of the fiscal year, can help to optimize the income statement. Next, we report on the tax benefits of the different MUPITI insurances or products, depending on the modality and to whom it is addressed.
Supplementary Social Security Insurance for self-employed workers (PSCA)
For anyone who wants to make contributions to supplement the public pension and ensure a better retirement.
Tax advantages: You can contribute to this insurance and deduct up to €1,500* per year from personal income tax. This reduces the tax base and saves the IRPF.
Insured Pension Plan (PPA)
For anyone who wants to make contributions to supplement the public pension and ensure a better retirement. Allows mobilization of other pension plans or PPA.
Tax advantages: You can contribute to this insurance and deduct up to €1,500* per year from personal income tax. This reduces the tax base and saves the IRPF.
Supplementary Social Security Insurance for the self-employed (Self-Employed PSC)
Designed exclusively for self-employed people who are in the RETA or MUPITI as an alternative, so that they can secure a pension as a greater complement to their retirement.
Tax advantages: You can contribute to this insurance and deduct up to €4,250 per year, in addition to the €1,500 per year allowed for the rest of the social security insurances. In total it is possible to contribute and deduct up to €5,750 per year. This reduces the tax base and saves the IRPF.
Mupiti Professional insurance, only for the free exercise of the profession
Exclusively for MUPITI mutual members who are self-employed as engineers, using the Mutual as an alternative to the Special Regime for Self-Employed Workers (RETA), while securing a pension for retirement.
Tax benefits: Up to €17,530* per year can be contributed and deducted, of which €16,030.82 is deducted from income from professional activity and €1,500 is deducted as a contribution to social security systems. This reduces the tax base and saves the IRPF.
Important reminder: Contributions made before December 31 count towards the current year's return, maximizing tax savings. For more information or to manage contributions, we are at your disposal at mariola.ferrandis@mupiti.com or on phone 675 955 186.