diff --git a/packages/query-core/src/types.ts b/packages/query-core/src/types.ts
index 4f3f4caed2..50d4448f6e 100644
--- a/packages/query-core/src/types.ts
+++ b/packages/query-core/src/types.ts
@@ -93,6 +93,92 @@ export type InferErrorFromTag<TError, TTaggedQueryKey extends QueryKey> =
       : TaggedError
     : TError
 
+// Throws type for typed errors in function return types
+export const throwsSymbol = Symbol('throws')
+export type throwsSymbol = typeof throwsSymbol
+
+/**
+ * Phantom type to mark throwable errors in function return types.
+ * Use this to declare what errors a function can throw.
+ *
+ * @example
+ * ```ts
+ * async function fetchUser(id: string): Promise<User & Throws<ApiError>> {
+ *   const res = await fetch(`/api/users/${id}`)
+ *   if (!res.ok) throw new ApiError(res.status)
+ *   return res.json()
+ * }
+ *
+ * // Error type is automatically inferred as ApiError
+ * const { error } = useQuery({
+ *   queryKey: ['user', id],
+ *   queryFn: () => fetchUser(id),
+ * })
+ * ```
+ */
+export type Throws<TError> = { [throwsSymbol]: TError }
+
+/**
+ * Extract the error type from a type that includes Throws<E>
+ */
+export type ExtractThrows<T> =
+  IsAny<T> extends true ? never : T extends Throws<infer E> ? E : never
+
+/**
+ * Extract the error type from a function's return type.
+ * Works with both sync functions returning T and async functions returning Promise<T>
+ */
+export type ExtractThrowsFromReturnType<T> =
+  IsAny<T> extends true
+    ? never
+    : T extends (...args: Array<any>) => infer R
+      ? R extends Promise<infer U>
+        ? ExtractThrows<U>
+        : ExtractThrows<R>
+      : never
+
+/**
+ * Infer the error type from a function.
+ * If the function's return type includes Throws<E>, returns E.
+ * Otherwise returns the fallback type (defaults to DefaultError).
+ */
+export type InferErrorFromFn<TFn, TFallback = DefaultError> =
+  ExtractThrowsFromReturnType<TFn> extends never
+    ? TFallback
+    : ExtractThrowsFromReturnType<TFn>
+
+/**
+ * Remove the Throws<E> phantom type from a type.
+ * If T is `Data & Throws<E>`, returns `Data`.
+ * If T doesn't include Throws, returns T unchanged.
+ */
+export type StripThrows<T> =
+  IsAny<T> extends true ? T : T extends Throws<any> ? Omit<T, throwsSymbol> : T
+
+/**
+ * Check if a type is `any`.
+ * Uses the trick that `0 extends (1 & T)` is only true when T is `any`.
+ */
+export type IsAny<T> = 0 extends 1 & T ? true : false
+
+/**
+ * Check if a function's return type includes Throws<E>.
+ * Uses ExtractThrowsFromReturnType and guards against `any`.
+ */
+export type HasThrows<TFn> =
+  IsAny<ExtractThrowsFromReturnType<TFn>> extends true
+    ? true
+    : [ExtractThrowsFromReturnType<TFn>] extends [never]
+      ? false
+      : true
+
+/**
+ * Helper type for overloads that should only match when queryFn/mutationFn uses Throws<E>.
+ * Returns TOptions when Throws is present, never otherwise.
+ */
+export type ThrowsFnOptions<TFn, TOptions> =
+  HasThrows<TFn> extends true ? TOptions : never
+
 export type QueryFunction<
   T = unknown,
   TQueryKey extends QueryKey = QueryKey,
diff --git a/packages/react-query/src/__tests__/mutationOptions.test-d.tsx b/packages/react-query/src/__tests__/mutationOptions.test-d.tsx
index 2988426d65..3796cee3e8 100644
--- a/packages/react-query/src/__tests__/mutationOptions.test-d.tsx
+++ b/packages/react-query/src/__tests__/mutationOptions.test-d.tsx
@@ -4,8 +4,10 @@ import { useIsMutating, useMutation, useMutationState } from '..'
 import { mutationOptions } from '../mutationOptions'
 import type {
   DefaultError,
+  InferErrorFromFn,
   MutationFunctionContext,
   MutationState,
+  Throws,
   WithRequired,
 } from '@tanstack/query-core'
 import type { UseMutationOptions, UseMutationResult } from '../types'
@@ -214,4 +216,68 @@ describe('mutationOptions', () => {
       }),
     })
   })
+
+  describe('Throws pattern for typed errors', () => {
+    // Custom error type
+    class ApiError extends Error {
+      constructor(
+        public code: number,
+        message: string,
+      ) {
+        super(message)
+      }
+    }
+
+    // Data and variables types
+    type User = { id: string; name: string }
+    type CreateUserInput = { name: string }
+
+    // Function that declares what error it can throw using Throws<E>
+    const createUser = async (
+      _input: CreateUserInput,
+    ): Promise<User & Throws<ApiError>> => {
+      throw new ApiError(400, 'Validation failed')
+    }
+
+    it('should allow explicit error type using generics', () => {
+      const mutation = useMutation<User, ApiError, CreateUserInput>({
+        mutationFn: createUser,
+      })
+
+      expectTypeOf(mutation.data).toEqualTypeOf<User | undefined>()
+      expectTypeOf(mutation.error).toEqualTypeOf<ApiError | null>()
+    })
+
+    it('should infer error type from Throws return type', () => {
+      const mutation = useMutation({
+        mutationFn: createUser,
+      })
+
+      expectTypeOf(mutation.data).toEqualTypeOf<User | undefined>()
+      expectTypeOf(mutation.error).toEqualTypeOf<ApiError | null>()
+    })
+
+    it('should allow using InferErrorFromFn helper to extract error type', () => {
+      type CreateUserError = InferErrorFromFn<typeof createUser>
+      expectTypeOf<CreateUserError>().toEqualTypeOf<ApiError>()
+
+      const mutation = useMutation<
+        User,
+        InferErrorFromFn<typeof createUser>,
+        CreateUserInput
+      >({
+        mutationFn: createUser,
+      })
+
+      expectTypeOf(mutation.data).toEqualTypeOf<User | undefined>()
+      expectTypeOf(mutation.error).toEqualTypeOf<ApiError | null>()
+    })
+
+    it('should infer DefaultError when function does not use Throws', () => {
+      const mutateData = async (): Promise<string> => 'data'
+
+      type MutateDataError = InferErrorFromFn<typeof mutateData>
+      expectTypeOf<MutateDataError>().toEqualTypeOf<Error>()
+    })
+  })
 })
diff --git a/packages/react-query/src/__tests__/useQuery.test-d.tsx b/packages/react-query/src/__tests__/useQuery.test-d.tsx
index 7e99666beb..1da912533c 100644
--- a/packages/react-query/src/__tests__/useQuery.test-d.tsx
+++ b/packages/react-query/src/__tests__/useQuery.test-d.tsx
@@ -2,7 +2,13 @@ import { describe, expectTypeOf, it } from 'vitest'
 import { queryKey } from '@tanstack/query-test-utils'
 import { useQuery } from '../useQuery'
 import { queryOptions } from '../queryOptions'
-import type { OmitKeyof, QueryFunction, UseQueryOptions } from '..'
+import type {
+  InferErrorFromFn,
+  OmitKeyof,
+  QueryFunction,
+  Throws,
+  UseQueryOptions,
+} from '..'
 
 describe('useQuery', () => {
   const key = queryKey()
@@ -102,10 +108,11 @@ describe('useQuery', () => {
   })
 
   // it should handle query-functions that return Promise<any>
-  useQuery({
+  const anyQuery = useQuery({
     queryKey: key,
     queryFn: () => fetch('return Promise<any>').then((resp) => resp.json()),
   })
+  expectTypeOf(anyQuery.error).toEqualTypeOf<Error | null>()
 
   // handles wrapped queries with custom fetcher passed as inline queryFn
   const useWrappedQuery = <
@@ -338,4 +345,99 @@ describe('useQuery', () => {
       })
     })
   })
+
+  describe('Throws pattern for typed errors', () => {
+    // Custom error type
+    class ApiError extends Error {
+      constructor(
+        public code: number,
+        message: string,
+      ) {
+        super(message)
+      }
+    }
+
+    // Data type
+    type User = { id: string; name: string }
+
+    // Function that declares what error it can throw using Throws<E>
+    const fetchUser = async (_id: string): Promise<User & Throws<ApiError>> => {
+      throw new ApiError(404, 'User not found')
+    }
+
+    it('should allow explicit error type using generics', () => {
+      // Option 1: Explicit generics - most straightforward way to type errors
+      const { data, error } = useQuery<User, ApiError>({
+        queryKey: ['user', '1'],
+        queryFn: () => fetchUser('1'),
+      })
+
+      expectTypeOf(data).toEqualTypeOf<User | undefined>()
+      expectTypeOf(error).toEqualTypeOf<ApiError | null>()
+    })
+
+    it('should infer error type from Throws return type', () => {
+      const { data, error } = useQuery({
+        queryKey: ['user', 'auto'],
+        queryFn: () => fetchUser('auto'),
+      })
+
+      expectTypeOf(data).toEqualTypeOf<User | undefined>()
+      expectTypeOf(error).toEqualTypeOf<ApiError | null>()
+    })
+
+    it('should allow using InferErrorFromFn helper to extract error type', () => {
+      // Option 2: Use InferErrorFromFn to extract the error type from the function
+      type FetchUserError = InferErrorFromFn<typeof fetchUser>
+      expectTypeOf<FetchUserError>().toEqualTypeOf<ApiError>()
+
+      const { data, error } = useQuery<
+        User,
+        InferErrorFromFn<typeof fetchUser>
+      >({
+        queryKey: ['user', '2'],
+        queryFn: () => fetchUser('2'),
+      })
+
+      expectTypeOf(data).toEqualTypeOf<User | undefined>()
+      expectTypeOf(error).toEqualTypeOf<ApiError | null>()
+    })
+
+    it('should infer DefaultError when function does not use Throws', () => {
+      // Function without Throws annotation
+      const fetchData = async (): Promise<string> => 'data'
+
+      type FetchDataError = InferErrorFromFn<typeof fetchData>
+      expectTypeOf<FetchDataError>().toEqualTypeOf<Error>()
+    })
+
+    it('should work with union error types', () => {
+      class NetworkError extends Error {
+        type = 'network' as const
+      }
+      class ValidationError extends Error {
+        type = 'validation' as const
+      }
+
+      type Data = { value: number }
+
+      const fetchWithMultipleErrors = async (): Promise<
+        Data & Throws<NetworkError | ValidationError>
+      > => {
+        throw new NetworkError('Network failed')
+      }
+
+      type InferredError = InferErrorFromFn<typeof fetchWithMultipleErrors>
+      expectTypeOf<InferredError>().toEqualTypeOf<
+        NetworkError | ValidationError
+      >()
+
+      const { error } = useQuery<Data, InferredError>({
+        queryKey: ['data'],
+        queryFn: fetchWithMultipleErrors,
+      })
+
+      expectTypeOf(error).toEqualTypeOf<NetworkError | ValidationError | null>()
+    })
+  })
 })
diff --git a/packages/react-query/src/useMutation.ts b/packages/react-query/src/useMutation.ts
index 2c66eb8ba8..71b77ed085 100644
--- a/packages/react-query/src/useMutation.ts
+++ b/packages/react-query/src/useMutation.ts
@@ -12,10 +12,57 @@ import type {
   UseMutationOptions,
   UseMutationResult,
 } from './types'
-import type { DefaultError, QueryClient } from '@tanstack/query-core'
+import type {
+  DefaultError,
+  InferErrorFromFn,
+  MutationFunction,
+  QueryClient,
+  StripThrows,
+  ThrowsFnOptions,
+} from '@tanstack/query-core'
+
+type MutationFnData<TMutationFn extends (...args: Array<any>) => any> =
+  StripThrows<Awaited<ReturnType<TMutationFn>>>
+
+type MutationFnVariables<TMutationFn extends (...args: Array<any>) => any> =
+  Parameters<TMutationFn> extends [] ? void : Parameters<TMutationFn>[0]
 
 // HOOK
 
+export function useMutation<
+  TMutationFn extends MutationFunction<any, any>,
+  TOnMutateResult = unknown,
+>(
+  options: ThrowsFnOptions<
+    TMutationFn,
+    Omit<
+      UseMutationOptions<
+        MutationFnData<TMutationFn>,
+        InferErrorFromFn<TMutationFn>,
+        MutationFnVariables<TMutationFn>,
+        TOnMutateResult
+      >,
+      'mutationFn'
+    > & { mutationFn: TMutationFn }
+  >,
+  queryClient?: QueryClient,
+): UseMutationResult<
+  MutationFnData<TMutationFn>,
+  InferErrorFromFn<TMutationFn>,
+  MutationFnVariables<TMutationFn>,
+  TOnMutateResult
+>
+
+export function useMutation<
+  TData = unknown,
+  TError = DefaultError,
+  TVariables = void,
+  TOnMutateResult = unknown,
+>(
+  options: UseMutationOptions<TData, TError, TVariables, TOnMutateResult>,
+  queryClient?: QueryClient,
+): UseMutationResult<TData, TError, TVariables, TOnMutateResult>
+
 export function useMutation<
   TData = unknown,
   TError = DefaultError,
diff --git a/packages/react-query/src/useQuery.ts b/packages/react-query/src/useQuery.ts
index 52d479551d..070bb85df9 100644
--- a/packages/react-query/src/useQuery.ts
+++ b/packages/react-query/src/useQuery.ts
@@ -3,9 +3,13 @@ import { QueryObserver } from '@tanstack/query-core'
 import { useBaseQuery } from './useBaseQuery'
 import type {
   DefaultError,
+  InferErrorFromFn,
   NoInfer,
   QueryClient,
+  QueryFunction,
   QueryKey,
+  StripThrows,
+  ThrowsFnOptions,
 } from '@tanstack/query-core'
 import type {
   DefinedUseQueryResult,
@@ -17,6 +21,54 @@ import type {
   UndefinedInitialDataOptions,
 } from './queryOptions'
 
+export function useQuery<
+  TQueryKey extends QueryKey = QueryKey,
+  TQueryFn extends QueryFunction<any, TQueryKey> = QueryFunction<
+    any,
+    TQueryKey
+  >,
+  TQueryFnData = StripThrows<Awaited<ReturnType<TQueryFn>>>,
+  TData = TQueryFnData,
+>(
+  options: ThrowsFnOptions<
+    TQueryFn,
+    Omit<
+      DefinedInitialDataOptions<
+        TQueryFnData,
+        InferErrorFromFn<TQueryFn>,
+        TData,
+        TQueryKey
+      >,
+      'queryFn'
+    > & { queryFn: TQueryFn }
+  >,
+  queryClient?: QueryClient,
+): DefinedUseQueryResult<NoInfer<TData>, InferErrorFromFn<TQueryFn>>
+
+export function useQuery<
+  TQueryKey extends QueryKey = QueryKey,
+  TQueryFn extends QueryFunction<any, TQueryKey> = QueryFunction<
+    any,
+    TQueryKey
+  >,
+  TQueryFnData = StripThrows<Awaited<ReturnType<TQueryFn>>>,
+  TData = TQueryFnData,
+>(
+  options: ThrowsFnOptions<
+    TQueryFn,
+    Omit<
+      UndefinedInitialDataOptions<
+        TQueryFnData,
+        InferErrorFromFn<TQueryFn>,
+        TData,
+        TQueryKey
+      >,
+      'queryFn'
+    > & { queryFn: TQueryFn }
+  >,
+  queryClient?: QueryClient,
+): UseQueryResult<NoInfer<TData>, InferErrorFromFn<TQueryFn>>
+
 export function useQuery<
   TQueryFnData = unknown,
   TError = DefaultError,