Ngokuxhomekeka kwiNgeniso yakho, Unokuthi uhlawulelwe
Ifom ecacisa irhafu yeenzuzo isebenza kuwo wonke umntu, kungakhathaliseki ubudala.
Ukuba ubheka ifomu yeerhafu ye-1040 uza kubona amabhokisi amabini; ibhokisi 20a kwiintlawulo zeNtlalo zeNtlalo, kunye nebhokisi 20b, ngenani elihlawulwayo. Nantsi indlela ehlawulwa ngayo imali ehlawulwayo.
Qinisekisa ukuba Yintoni Imali Yakho Ehlanganisiweyo Iya kuba
Ingaba unayo ingeniso ngaphezu koKhuseleko loLuntu? Imithombo eyongezelelweyo yengeniso eya kubonisa ukubuyela kwerhafu ifaka izinto ezifana ne:
- Imivuzo (imivuzo okanye ingeniso yokufumana umsebenzi)
- Ingeniso ye-Investment kwi-interest, dividends and earnings
- Umhlalaphantsi okanye inzuzo yengeniso
- IRA / 401 (k) / 403 (b) ihoxiswa
- Imbuyekezo yengeniso yepropati
Ukhuseleko Lentlalo luchaza "inzuzo yakho ehlangeneyo" njengengqikithi yengeniso yakho engaphezulu kunye nomdla ongenakuxhaswa , kunye nesigamu se-Social Security benefits. Ukurhoxiswa kweRRA IRA akubalwa njengenzuzo ehlangeneyo, kodwa inzala yesikhokelo kamasipala . Ingeniso yakho edibeneyo ifaniswa nemali yesibonda kwitheyibhile elingezantsi.
| I-First Threshold (i-$) | I-Threshold yesiBini (i-$) | |
|---|---|---|
| Abafowuni abangabodwa | 25,000 | 34,000 |
| Izifowuni ezitshatileyo | 32,000 | 44,000 |
Ukuba ingeniso yakho ehlangeneyo ingaphantsi kwama-25,000 wama-ada kwiifayile ezingatshatanga okanye ngaphantsi kwe-$ 34,000 kwiifayile ezitshatileyo, iintlawulo zakho zeNtlalo-ntlalontle aziyi kuhlawuliswa kulo nyaka wekhalenda.
Ukuba ingeniso yakho ehlangeneyo idlula umlinganiselo wokuqala wokungena, ke umfomfom olumandla ngakumbi usetyenziselwa ukufumanisa ukuba yeyiphi inxalenye yezibonelelo zakho eziza kuhlawulwa (ukuya kuma-85%).
Fakela Imali Yakho Ehlanganisiweyo kwi-Worksheet ye-Irs Social Security Worksheet
Ukuba ingeniso yakho ehlangeneyo idlula inani lemingcele, ifom ye-IRS isetyenziselwa ukucacisa ukuba zininzi zakho iingeniso ezihlawulwayo. Isiphumo salezi zibalo ziza kuba uhlawula irhafu kwizantsi:
- 85% yeenzuzo zakho zeNtlalo
- I-50% yezibonelelo kunye ne-85% yemali yengeniso ehlangeneyo ngaphezu kwesibini semali
- I-50% yesixa semali ehlangeneyo kwimali yokuqala yokuqala, kunye ne-35% yemali ye-engeniso ehlangeneyo ngaphezu kwesibini
Ungasebenzisa ngamanani ngokwakho usebenzisa i- IRS Ukujonga isibonelelo sakho seempesenti . Ungasebenzisa kwakhona i-calculator ye-intanethi ebizwa ngokuba yiNinzi yoNcedo loKhuseleko lwentlalo Kwangathi ingahlawuliswa ukuba ifikeleleke ngokulinganisela okubalulekileyo kwidola yexabiso eliya ku funeka liye kwibhokisi ye-20b (ibhokisi lemali ehlawulwayo) kwi-1040 irhafu yakho. ifomu.
Intlawulo yoLuntu kwiNtlalontle
Makhe sijonge umzekelo wesibini, abaneminyaka engama-67 ubudala, abatshabileyo kunye nefayili kunye. Omnye uqokelela umvuzo weNtlalontle yeNtlalo . Bobabili balinde kude kube yiminyaka engama-70 ukuba bathathe inzuzo yabo yomhlala-phantsi epheleleyo ukuze bafumane okusemandleni. Ngoxa belibaleka, bathabatha iirejista ezinkulu ze-IRA.
Nantsi i-snapshot yemithombo yabo yengeniso.
- Ingeniso ye-Social Security ye-R10 000
- I $ 50,000 IRA ukuhoxiswa
Ngokusekelwe kwinqanaba elingaphakanyiswa ngaphezulu kwelo lenza imali engenayo i-$ 55,000 (engaphezulu kwemali ephezulu yokutshata). Ukusebenzisa i-calculator taxation taxator kwisigaba esibini ngasentla, u-85% woKhuseleko lwaKhaya uza kuhlawuliswa, okanye i-$ 8,500 eziya kuba negalelo kwibhokisi 20b. Akunakucatshulwa okwexeshana kodwa endaweni yokobenzisa ukuchithwa okuqhelekileyo kunye nokuxolelwa.
- Ingeniso yabo epheleleyo eguqulwayo (AGI) i $ 58,500
- Imali engenayo engenayo i-$ 35,400
- Ixabiso lentlawulo elipheleleyo liyi $ 4,388
- Emva kwemali yentlawulo efumanekayo yokuchitha = $ 55,612
Ngoku makhe sijonge esi sibini sinye emva kweminyaka emithathu. Bobabini baneminyaka engama-70 ubudala kwaye bafumana imali epheleleyo yeNtlalo yoKhuseleko. Nantsi i-snapshot yemithombo yabo yengeniso.
- Ingeniso ye-Social Security ye-40,000
- I-20,000 yeRRA ukuhoxiswa
Ingeniso yabo ehlangeneyo i-$ 40,000 (ephakathi kwexabiso lemingeni elitshatileyo). Ukusebenzisa i-calculator ye-Intanethi yeNtlalo ye-Intanethi, i-10% yoKhuseleko loLuntu iya kubhatalwa, okanye i-$ 4,000 ibe negalelo kwibhokisi 20b. Akunakucatshulwa okwexeshana kodwa endaweni yokobenzisa ukuchithwa okuqhelekileyo kunye nokuxolelwa.
- I-AGI yabo i $ 24,000
- Imali engenayo engenayo i-$ 900
- Intlawulo yerhafu iyonke i-$ 90
- Emva kwemali yentlawulo efumanekayo yokuchitha = $ 59,910
Kwimibini mibini isibini sinemali engama-60,000 emali engenayo. Nangona kunjalo, emva kokuba bobabini ba-70, ngenxa yokuba inxalenye enkulu yemali yabo engenayo ivela kwi-Social Security yabo ityala labo lihla, kwaye ngoku banemali engaphezulu yokuyisebenzisa. Ngenxa yale fomyula yerhafu, isibini kwi-bracket ye-15% sinokufumana ukuhlawula irhafu kwinqanaba elingaphezulu.
I-Smart Idea-Sebenzisa i-Arbitrage yentlawulo kwi-Advantage yakho
Ukufikelela kwi-85% yeenzuzo zakho zoKhuselo lwezeNtlalo ezifunyenweyo zingahlawuliswa, kodwa ayikho i-100%. Kuthetha ukuba emva kwentela, i-dollar yeNtlawulo yeNhlalakahle yeNtlalo ixabise ngaphezu kwedola ye-IRA yokurhoxiswa.
Ukuba uceba icebo lokufumana umhlalaphantsi elijongene nale arbitrage yerhafu, kunokukwenza umehluko omkhulu kwikhosi yakho yomhlalaphantsi. Unokuhlawula ngaphantsi kwerhafu, kwaye uninzi lokuchitha.
Kukho iindlela ezininzi ongacwangcisa ukunciphisa irhafu xa uqala ukurhoxisa imali. Isicwangciso esiqhelekileyo kukulibazisa ukuqala kweenzuzo zakho zoKhuselo loLuntu kwi minyaka engama-70 ngelixa uthabatha iRARA okanye usebenzise ukuguqulwa kweRoth kuma-60 yakho. Akulona khetho oluhle kunabo bonke abantu, kodwa kwiintsapho ezininzi, le ndlela ibangela iintlawulo ezingaphantsi kwexesha lokuthatha umhlalaphantsi.
Ininzi yale cwangciso ifanelana nendlela enye imvelaphi yengeniso ichaphazela ukuba zininzi iintlawulo zakho zoKhuselo loLuntu ziya kuhlawulwa. Ngokucwangcisa ixesha leminye imithombo yengeniso, abaninzi banokunciphisa i-bill yerhafu.