Nalogovyi vychet: how much NDFL comes back for a flat, mortgage, treatment or study
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 17 Oct 2026.Nalogovyi vychet (налоговый вычет) returns NDFL you paid: up to 2,000,000 roubles of a home’s price, up to 3,000,000 of mortgage interest, and up to 150,000 a year of treatment, study and other social costs. The refund is the tax on your income minus the tax on the income less the deduction, so 1,200,000 roubles of salary and a flat bring back 156,000 roubles this year.
2025-2026 · Rates and rules read from the sources listed on this page (the earliest on 17 Oct 2026); they may have changed since.
Enter your figures. The result updates as you type.
Read the result and the breakdown below it.
Share the link or embed the calculator.
This calculator works out how much income tax (NDFL) comes back through the property and social deductions of the Russian Tax Code, for income of 2025 and later.
Example. On 1,200,000 roubles of salary the year's tax is 156,000 roubles. A 5,000,000-rouble flat gives a 2,000,000 deduction: 1,200,000 is used this year, all 156,000 roubles come back, and 800,000 carry to the next year, worth 104,000 roubles more.
What it does not do. Investment and long-term savings deductions, charity, the pensioners' carry-back and income outside the main base are left out. A refund can be claimed for the three previous years. The rules come from the Tax Code read on 17 October 2026. For the monthly tax on a salary and child deductions, see the NDFL calculator.
The rest of the article, and all 6 questions about Russia Tax Refund Calculator (Nalogovyi Vychet), are on the Russia Tax Refund Calculator (Nalogovyi Vychet) page.
The property deduction counts the price up to 2,000,000 roubles, so at 13% it returns up to 260,000 roubles in all. Each year returns no more than the NDFL paid: on 1,200,000 roubles of salary that is 156,000 roubles in the first year and 104,000 in the second.
Interest actually paid on a home loan counts up to 3,000,000 roubles over the loan, worth up to 390,000 roubles at 13%. Interest is claimed year by year as it is paid, and a part the year's income cannot absorb carries over to the next year with the purchase deduction.
The base cannot fall below zero, so a year returns at most the tax paid. The unused home and mortgage-interest deduction carries over to later years; unused social deductions are lost, which is why the calculator sets the year's income against the social expenses first.
A refund for property or social expenses can be claimed for the three previous years, by filing a 3-NDFL declaration or through the employer for the current year. Each year is worked out on its own income, so this calculator is run once per year.
Rates and rules change; check the source before you rely on a figure.
Still stuck? Ask about Russia Tax Refund Calculator (Nalogovyi Vychet) and anybody who knows can answer. No account needed.
Same job, other tools: Kalkulyator Pensionnyh Ballov 2026 – Kalkulyator pensionnyh ballov: points a year, the 30-point rule and the pension · Posobie po Bezrabotitse 2026 Calculator – Posobie po bezrabotitse 2026: month by month, with the 15,886 maximum · Kalkulyator Peni 2026 – Kalkulyator peni: 1/300, 1/150 or 1/130 of the key rate for each day of delay · Kompensatsiya za Otpusk Calculator 2026 – Kompensatsiya za otpusk: pay for unused vacation on leaving, 2.33 days a month, 29.3 rule · Kalkulyator Bolnichnogo 2026 – Kalkulyator bolnichnogo: sick pay from 2024-2025 pay, insurance years and the MROT floor · Kalkulyator Dekretnyh 2026 – Kalkulyator dekretnyh: maternity pay from 2024-2025 earnings, 140 to 194 days, no tax.
More for Russia: all 9 Russia calculators.