{"id":20371,"date":"2026-04-25T21:46:53","date_gmt":"2026-04-26T01:46:53","guid":{"rendered":"https:\/\/divulguems.com.br\/?p=20371"},"modified":"2026-04-25T21:46:53","modified_gmt":"2026-04-26T01:46:53","slug":"ir-2026-como-deduzir-gastos-com-educacao-saude-e-previdencia-privada","status":"publish","type":"post","link":"https:\/\/divulguems.com.br\/?p=20371","title":{"rendered":"IR 2026: como deduzir gastos com educa\u00e7\u00e3o, sa\u00fade e previd\u00eancia privada"},"content":{"rendered":"<\/p>\n<p><a class=\"\" href=\"https:\/\/agenciabrasil.ebc.com.br\/economia\/noticia\/2026-04\/ir-2026-como-deduzir-gastos-com-educacao-saude-e-previdencia-privada\"><br \/>\n                    <img decoding=\"async\" src=\"https:\/\/cdn.jsdelivr.net\/gh\/sergiosdlima\/assets-ebc@1.0.0\/abr\/assets\/images\/logo-agenciabrasil.svg\" alt=\"Logo Ag\u00eancia Brasil\"><br \/>\n\t\t\t\t<\/a><\/p>\n<p><strong>Na declara\u00e7\u00e3o do Imposto de Renda, dois campos merecem aten\u00e7\u00e3o: s\u00e3o os de gastos com educa\u00e7\u00e3o e o de gastos com sa\u00fade.\u00a0Lan\u00e7ar todos os comprovantes pode reduzir consideravelmente o valor do imposto a pagar, mas as regras s\u00e3o bem diferentes para essas despesas.<\/strong><img decoding=\"async\" src=\"https:\/\/agenciabrasil.ebc.com.br\/ebc.png?id=1687180&#038;o=rss\"><img decoding=\"async\" src=\"https:\/\/agenciabrasil.ebc.com.br\/ebc.gif?id=1687180&#038;o=rss\"><\/p>\n<h2>Educa\u00e7\u00e3o<\/h2>\n<p>Na educa\u00e7\u00e3o,\u00a0por exemplo,\u00a0o benef\u00edcio vale para voc\u00ea, seus dependentes e tamb\u00e9m para alimentandos, no caso de quem paga pens\u00e3o judicial. No entanto,\u00a0n\u00e3o \u00e9 qualquer curso que entra na lista.<\/p>\n<\/p>\n<h3>Not\u00edcias relacionadas:<\/h3>\n<ul>\n<li><a href=\"https:\/\/agenciabrasil.ebc.com.br\/economia\/noticia\/2026-04\/saiba-como-vai-funcionar-o-cashback-da-restituicao-automatica-do-ir\">Saiba como vai funcionar o cashback da restitui\u00e7\u00e3o autom\u00e1tica do IR.<\/a><\/li>\n<li><a href=\"https:\/\/agenciabrasil.ebc.com.br\/economia\/noticia\/2026-04\/e-melhor-fazer-declaracao-do-irpf-completa-ou-simplificada\">\u00c9 melhor fazer a declara\u00e7\u00e3o do IRPF completa ou simplificada?.<\/a><\/li>\n<li><a href=\"https:\/\/agenciabrasil.ebc.com.br\/economia\/noticia\/2026-04\/como-declarar-dependentes-e-pensao-alimenticia-no-ir-2026\">IR 2026: veja como declarar dependentes e pens\u00e3o aliment\u00edcia .<\/a><\/li>\n<\/ul>\n<p><strong>>> Quais despesas t\u00eam dedu\u00e7\u00e3o:<\/strong><\/p>\n<ul>\n<li>Educa\u00e7\u00e3o infantil<\/li>\n<li>Ensino fundamental e m\u00e9dio<\/li>\n<li>Educa\u00e7\u00e3o superior (gradua\u00e7\u00e3o, p\u00f3s-gradua\u00e7\u00e3o, mestrado e doutorado)<\/li>\n<li>Educa\u00e7\u00e3o profissional (cursos t\u00e9cnicos e\u00a0tecn\u00f3logos)<\/li>\n<\/ul>\n<p><strong>>> O que n\u00e3o tem dedu\u00e7\u00e3o:<\/strong><\/p>\n<ul>\n<li>Cursos extracurriculares (idiomas, m\u00fasica, dan\u00e7a, esporte, cursinho preparat\u00f3rio)<\/li>\n<li>Material escola<\/li>\n<li>Aulas de refor\u00e7o<\/li>\n<\/ul>\n<p>O contribuinte precisa tamb\u00e9m respeitar o\u00a0teto anual, que \u00e9 de R$ 3.561,50 por pessoa.<\/p>\n<p><a href=\"https:\/\/www.whatsapp.com\/channel\/0029VaoRTgrInlqYLSk59B2M\" target=\"_blank\">>> Siga o canal da<strong> Ag\u00eancia Brasil <\/strong>no WhatsApp<\/a><\/p>\n<h2>Sa\u00fade<\/h2>\n<p>Diferentemente da educa\u00e7\u00e3o, os gastos com sa\u00fade n\u00e3o possuem limite de dedu\u00e7\u00e3o.<\/p>\n<p><strong>>> Veja quais profissionais e servi\u00e7os entram nessa categoria:<\/strong><\/p>\n<ul>\n<li>Despesas m\u00e9dicas ou de hospital<\/li>\n<li>Gastos com consultas e tratamentos particulares com\u00a0m\u00e9dicos, dentistas, psic\u00f3logos, fisioterapeutas, terapeutas ocupacionais, fonoaudi\u00f3logos, hospitais<\/li>\n<li>Despesas com\u00a0exames laboratoriais, servi\u00e7os radiol\u00f3gicos, aparelhos ortop\u00e9dicos, pr\u00f3teses ortop\u00e9dicas e dent\u00e1rias.<\/li>\n<li>Pagamentos de plano de sa\u00fade ou com\u00a0administradora de benef\u00edcios (que cobrem\u00a0despesas ou assegurem o direito ao atendimento)\u00a0<\/li>\n<\/ul>\n<p>No entanto,\u00a0gastos com farm\u00e1cia, acompanhantes em hospitais ou procedimentos est\u00e9ticos n\u00e3o d\u00e3o direito ao desconto.<\/p>\n<p>Para n\u00e3o ter problemas com a fiscaliza\u00e7\u00e3o e evitar a malha fina guarde todos os recibos e notas fiscais por, pelo menos, 5\u00a0anos e certifique-se de que o CPF ou CNPJ de quem prestou o servi\u00e7o est\u00e1 correto.\u00a0<\/p>\n<p><strong>>> Ou\u00e7a na Radioag\u00eancia Nacional:<\/strong>\u00a0<\/p>\n<div class=\"dnd-widget-wrapper context-cheio_8colunas type-audio\">\n<div class=\"dnd-atom-rendered\"><!-- scald=459270:cheio_8colunas --><\/p>\n<div class=\"col-lg-12 shadow-sm sticky-element px-0 m-0 z-9\">\n<div class=\"rounded-lg\">\n<div class=\"player-wrapper bg-secondary\">\n            <audio preload=\"none\" controls class=\"rounded-lg shadow-sm\"><source src=\"https:\/\/audios.ebc.com.br\/4e\/4ee460029734386dfe8b0fe9f3c3f296.mp3\" type=\"audio\/mpeg\"><\/audio>\n        <\/div>\n<\/p><\/div>\n<\/div>\n<p><!-- END scald=459270 --><\/div>\n<div class=\"dnd-caption-wrapper\">\n<div class=\"meta\">\n<!--END copyright=459270--><\/div>\n<\/div>\n<\/div>\n<h2>Previd\u00eancia privada<\/h2>\n<p>A\u00a0Previd\u00eancia \u00e9 uma das ferramentas para quem busca diminuir a base de c\u00e1lculo do imposto. Mas \u00e9 preciso aten\u00e7\u00e3o ao tipo de plano,\u00a0PGBL\u00a0ou VGBL.<\/p>\n<p>\u201cA principal diferen\u00e7a entre o PGBL e o VGBL est\u00e1 no tratamento tribut\u00e1rio. O PGBL permite deduzir as contribui\u00e7\u00f5es do IR, mas, na hora do resgate, o imposto incide sobre o valor total de tudo o que foi depositado: contribui\u00e7\u00f5es mais os rendimentos. J\u00e1 o VGBL n\u00e3o oferece dedu\u00e7\u00e3o fiscal das contribui\u00e7\u00f5es, mas, no resgate, o imposto incide apenas sobre os rendimentos, preservando o capital investido\u201d, explica o professor de Ci\u00eancias Cont\u00e1beis da Universidade Federal do Cear\u00e1, Eduardo Linhares.<\/p>\n<p><strong>PGBL\u00a0<\/strong><\/p>\n<p>Se o objetivo \u00e9 o\u00a0abatimento imediato, o PGBL \u00e9 o caminho, permitindo deduzir at\u00e9 12% dos seus rendimentos.\u00a0<\/p>\n<p>\u201cO PGBL vale a pena para quem faz a declara\u00e7\u00e3o no modelo completo e tem uma renda tribut\u00e1vel alta&#8221;,\u00a0aponta o professor da Universidade Positivo, Marco Aur\u00e9lio Pitta.<\/p>\n<p><strong>Veja como declarar o PGBL:<\/strong><\/p>\n<ul>\n<li>Informe\u00a0os valores na ficha &#8220;Pagamentos Efetuados&#8221;<\/li>\n<li>Selecione\u00a0o pagamento como Previd\u00eancia Complementar (inclusive FAPI)<\/li>\n<\/ul>\n<p><strong>VGBL<\/strong><\/p>\n<p>J\u00e1 o VGBL \u00e9 mais indicado para quem usa o modelo simplificado ou quer apenas acumular patrim\u00f4nio, alerta Pitta.<\/p>\n<p><strong>Veja como declarar o VGBL:<\/strong><\/p>\n<ul>\n<li>Declare os valores na ficha &#8220;Patrim\u00f4nio&#8221;, como \u201cOutros Bens e Direitos\u201d<\/li>\n<li>Informe\u00a0o saldo acumulado em 31 de dezembro do ano anterior e o atual<\/li>\n<\/ul>\n<p><strong>>> Ou\u00e7a na Radioag\u00eancia Nacional:<\/strong><\/p>\n<div class=\"dnd-widget-wrapper context-cheio_8colunas type-audio\">\n<div class=\"dnd-atom-rendered\"><!-- scald=459269:cheio_8colunas --><\/p>\n<div class=\"col-lg-12 shadow-sm sticky-element px-0 m-0 z-9\">\n<div class=\"rounded-lg\">\n<div class=\"player-wrapper bg-secondary\">\n            <audio preload=\"none\" controls class=\"rounded-lg shadow-sm\"><source src=\"https:\/\/audios.ebc.com.br\/07\/074358c47a94ad61da0c93f35df59de9.mp3\" type=\"audio\/mpeg\"><\/audio>\n        <\/div>\n<\/p><\/div>\n<\/div>\n<p><!-- END scald=459269 --><\/div>\n<div class=\"dnd-caption-wrapper\">\n<div class=\"meta\">\n<!--END copyright=459269--><\/div>\n<\/div>\n<\/div>\n<p>Al\u00e9m de investir, voc\u00ea pode direcionar parte do imposto devido para fundos que apoiam crian\u00e7as, adolescentes ou idosos.<\/p>\n<p>Se voc\u00ea n\u00e3o fez doa\u00e7\u00f5es ao longo de 2025, ainda pode doar diretamente na declara\u00e7\u00e3o de 2026. Por\u00e9m, nem todo tipo de repasse \u00e9 considerado uma dedu\u00e7\u00e3o legal.<\/p>\n<p>\u201cAs doa\u00e7\u00f5es feitas por mera liberalidade a partidos pol\u00edticos e candidatos, entidades filantr\u00f3picas e de educa\u00e7\u00e3o, aos parentes, d\u00edzimos pagos \u00e0s igrejas e cestas b\u00e1sicas doadas a qualquer pessoa n\u00e3o s\u00e3o pass\u00edveis de dedu\u00e7\u00e3o por falta de previs\u00e3o legal\u201d, alerta\u00a0professor Deypson Carvalho.<\/p>\n<p>O limite para essas doa\u00e7\u00f5es varia de 6% a 7% do imposto devido, e o pr\u00f3prio sistema da Receita Federal realiza o c\u00e1lculo automaticamente.\u00a0Os\u00a0pagamentos das guias de doa\u00e7\u00e3o devem ser quitados at\u00e9 antes de terminar o prazo de entrega da declara\u00e7\u00e3o do IR.<\/p>\n<p><strong>Acesse\u00a0<a href=\"https:\/\/agenciabrasil.ebc.com.br\/radioagencia-nacional\/series\/tira-duvidas-do-ir-2026\" target=\"_blank\">aqui<\/a> todo o conte\u00fado do Tira-D\u00favidas do IR 2026<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Na declara\u00e7\u00e3o do Imposto de Renda, dois campos merecem aten\u00e7\u00e3o: s\u00e3o os de gastos com educa\u00e7\u00e3o e o de gastos com sa\u00fade.\u00a0Lan\u00e7ar todos os comprovantes pode reduzir consideravelmente o valor do imposto a pagar, mas as regras s\u00e3o bem diferentes para essas despesas. Educa\u00e7\u00e3o Na educa\u00e7\u00e3o,\u00a0por exemplo,\u00a0o benef\u00edcio vale para voc\u00ea, seus dependentes e tamb\u00e9m [&hellip;]<\/p>\n","protected":false},"author":118,"featured_media":20372,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[3],"tags":[],"class_list":["post-20371","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-seguranca-e-justica"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.6 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>IR 2026: como deduzir gastos com educa\u00e7\u00e3o, sa\u00fade e previd\u00eancia privada - Divulgue MS<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/divulguems.com.br\/?p=20371\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"IR 2026: como deduzir gastos com educa\u00e7\u00e3o, sa\u00fade e previd\u00eancia privada\" \/>\n<meta property=\"og:description\" content=\"Na declara\u00e7\u00e3o do Imposto de Renda, dois campos merecem aten\u00e7\u00e3o: s\u00e3o os de gastos com educa\u00e7\u00e3o e o de gastos com sa\u00fade.\u00a0Lan\u00e7ar todos os comprovantes pode reduzir consideravelmente o valor do imposto a pagar, mas as regras s\u00e3o bem diferentes para essas despesas. 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