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Automatically translated version. May contain inaccuracies compared to the original.
If in 2025 year you were officially employed, earned a salary, and at the same time spent money on education, insurance, a mortgage, or other legally mandated needs, you have a legal right to recover a sizable amount.
The key is to submit documents by 31 December 2026 of the year, because after that deadline the opportunity to reclaim your funds will no longer exist.
Who can receive the money and how the tax deduction works
The essence of the tax deduction is fairly simple: the state allows you to reduce your annual taxable income by the amount of expenses you paid out of pocket. After a special recalculation, you are returned a portion of the personal income tax (PIT), which was automatically withheld from your salary every month.
Of course, there is no fixed payment for everyone. It all depends on where exactly you invested the money, how much you earned officially, and how much tax you actually paid for the year. Since most calculations are tied to the PIT rate in 18 percent, it is physically impossible to get back more than you paid to the state in the form of this tax. The main condition is to have an official salary and all paper proofs of expenses: receipts, invoices, contracts, or ATM statements with clearly indicated dates and amounts.
What exactly can be refunded
The list of expenses for which the state is willing to reimburse part of the money is quite extensive. Here are the main categories to pay attention to:
Document: PDF proof of the original version of the news item "Держава повертає гроші: як українцям забрати свої тисячі гривень за навчання, іпотеку та лікування". It records the publication content at the moment of the first scan, the preservation date and the source: Aktsenty.
