IRhafu yeNgeniso Yentlawulo ye-Federal Shiya kwiMali
Imali yemali umqeshi ayigodla kwi-paycheck yakho ixhomekeke kwisixa semali engenayo esenziwa ngenkqubo yomvuzo wonyaka, kuncitshiswe nayiphi na intlawulo ehlawulwa ngaphambi kwentlawulo phambi kokuba irhafu ibalwe.
Abaqeshi basebenzisa izibonelelo zokubamba izibambiso ukubala inani lemali yentlawulo yombuso ukuze banqande kwi-paycheck nganye. Izibonelelo zokubanjelwa zikhethwe ngumqeshwa usebenzisa Ifomu W-4 kunye nokunika ifom kumqeshi. Ukufumana iinkcukacha ezithe vetshe, funda njani Ukubonisa iZibonelelo ezingabanjwanga kwiFomu W-4 .
Ukukhuseleka kweNtlalontle kwiMali
Intlawulo yeNtlalo yoKhuseleko ibanjelwe kwisilinganiselo esiphezulu se-6.2% kwimvuzo embi emva kokukrazula nayiphi na intlawulo ehlawulwa ngaphambi kokuhlawula irhafu ekhutshwe kwiNtlawulo yoLuntu kwiNkcazo yokuSebenza koNyaka-mali we-Social Security ($ 118,500) (ngo-2015). Ngenxa yokuba irhafu yokhuseleko loLuntu ihlolwe kwisilinganisi esicatshulwa esiphezulu, inani lemali yerhafu yoKhuseleko loLuntu egcinwe ngokuqhelekileyo lilingana nentlawulo yoThuseleko loLuntu ekufuneka umntu atyala.
Nangona kunjalo, kukho ezinye izinto.
Isiqendu 1, iRhafu yoKhuseleko loLuntu eNinzi
Abasebenzi abasebenzela abaqeshi ababini okanye ngaphezulu banokufumanisa ukuba bahlawulise irhafu yabo yentlalo yoLuntu ukuba iholo labo elipheleleyo, ukusuka kuyo yonke imithombo, lidlula umvuzo wonyaka wemivuzo yoluntu. Kule meko, irhafu yentlawulo yeNtlalo ehlawulwe ngaphezulu ibuyiselwa xa umhlawuli-ntlawulo efayile ibuyiselo kwaye ibango uNgqongqo woLuntu lwezeNtsikelelo unqande njengetyala.
Ukungabikho 2, iNtlawulo yoNgeniso lwentlalo engaphantsi kweeNtlawulo
Iirhafu zokhuseleko lweNtlalo zinokuhlawulwa ngaphantsi kweendlela ezintathu. Abanye abasebenzi abafumana iingcebiso ezingabonakaliswa kumqeshi wabo kwaye abanakho iirhafu ezingagcinwanga. Kule meko, sebenzisa iFomu 4137 ukubala inani leRhafu yoKhuseleko loLuntu kunye neerhafu zerhafu kwiingcebiso ezingabhengezwayo kwaye ingxelo ngale mali yerhafu eyongezelelweyo kwingxelo yerhafu yonyaka.
Indlela yesibini kukuba abanye abasebenzi bangabalwa ngokungalunganga njengontrakontrali abazimele esikhundleni sokuba ngabaqeshwa ngomqeshi wabo, kwaye kule meko, imali ayifumanayo ayiyi kubakho irhafu. Kule meko, sebenzisa iFomu 8919 ukubala inani leRhafu yoKhuseleko lweNtlalo kunye neRhafu yeRhafu kwiimbuyekezo kunye nokunika ingxelo ngolu hlobo lwemali yerhafu eyongezelelweyo kwingxelo yerhafu yonyaka.
Indlela yesithathu kukuba abanye abahlala phantsi banokufumana ukuxhaswa ngaphantsi komgaqo-nkqubo we-inshorensi yobomi bexesha elivela kumqeshi wabo wangaphambili. I-inshorensi yobomi bexesha elide kunye nexabiso lemigaqo ngaphezu kwe-50,000 yeeRhafu lihlawulwa. Kodwa umhlala-phantsi ungenayo nayiphi na imali eyimali echaphazelekayo malunga neenzuzo zabo zomhlala-phantsi apho umqeshi angayigcina iirhafu. Kule meko, iFomu ye-W-2 yokuthatha umhlala-phantsi iya kubonisa irhafu ye-Social Security kunye ne-Medicare yentlawulo esebenzisa ibhokisi ye-12 ikhowudi M kwaye ikhowudi N.
Ukuthatha umhlala-phantsi kwaye ungeze le mali ngokubuyela kwerhafu yakhe yonyaka. Jonga imiyalelo ye-IRS yeFom 1040 Umgca 60.
I-Medicare Ukubambelela kwiMali
Iirhafu zeMedare zigcinwe kwizinga elithengileyo le-1.45% kumvuzo omkhulu emva kokukrazula nayiphi na irhafu yentlawulo engekahlawulwa ngaphambi kwentela. Ngenxa yokuba irhafu ye-Medicare ihlolwa kwinqanaba elincinane, umlinganiselo weerhafu we-Medicare onqatshelwe ngokuqhelekileyo ulingana nomlinganiselo werhafu ye-Medicare apho umntu enoxanduva. Nangona kunjalo, ukususela ngo-2013, kukho i- 0.9% ye-Medicare surtax kubantu abangenayo imali ephezulu. Kungenzeka ukuba abanye abahlawuli berhafu bangenalo irhafu yonyango eyongezelelweyo egcinwe kumvuzo wabo, kwaye nayiphi na irhafu yerhafu eyongezelelweyo iya kubalwa kwibuyisela irhafu.
Urhulumente kunye neNdawo yokuGcina iNgingqi kwiMali
Amasebe kunye noorhulumente basekhaya banokubambelela kwimali yokufumana umvuzo werhafu yerhafu, irhafu yengeniso yendawo, kunye nezinye iintlobo zerhafu zorhulumente kunye neendawo zengqesho ezifana ne-inshorensi yokukhubazeka.
Indlela yokubala izibonelelo ezingabanjwanga kwiFom W-4
Abasebenzi baxelele abaqeshi babo ukuba bangaphi izibonelelo zokubamba izibonelelo zokusebenzisa iimali xa bebala inani lemali yerhafu yengxowa-mali. (Ezi zibonelelo zokugodla zihlala zisetyenziselwa ukubala ireyithi yentlawulo yengeniso.) Kukho iindlela ezimbini zokubala inani lezibonelelo ezibanjelwe. Indlela yokuqala ingafumaneka kwiifom zephepha ezihamba neFom W-4. Kwiphepha lokuqala yiSibonelelo seSibonelelo soBuntu: oku kuluhlu lokusebenzela ukuba unomsebenzi owodwa nje ngomqeshwa. Kwiphepha lesibini yi-Worksheet ye-Two-Earners / Multiple Worksheet: eli liphepha lokusebenzela ukuba unayo imisebenzi emibini okanye ngaphezulu njengomqeshwa kunye nabatshatileyo apho umlingani ngamnye unomsebenzi.
Isiphumo sokuphela kwezi pheshethi zesebe ziyinombolo epheleleyo emele izibonelelo zokubamba. Isibonelelo sokukhusela isibonelelo silingana nokukhululwa komntu ngamnye kunyaka wonke. Omnye okhusela imisebenzi yokubonelela ukususa imali engama-3,950 wemali emyingenelo kwimali ehlawulwayo (ngo-2014). Ngaloo ndlela isibonelelo sokukhusela singacatshangelwa njengomlinganiselo obonisa inani lemali yokuncitshiswa kweerhafu kunye nezikwereti zerhafu okulindele ukuba unalo kunyaka, ulwahlulwe ngumrhumo wokuhlawulela umyinge we $ 3,950. Amaphepha okusebenzela anokukunceda ukuba usebenze kule math. Amaphepha eemviwo ezongezelelweyo afumaneka kwi-Publication 505. Ngaphandle koko, ungasebenzisa i-Inactive Calculator kwi-website ye-IRS.gov.
Izixhobo kunye neNkcukacha zoLwazi
- Umthetho weRhafu ngokubhekiselele kwimvuzo ufunyenwe kwi-Internal Revenue Code kwicandelo 3402 nakwiMimiselo yeSebe lezeNondyebo eliqala kwicandelo 31.3401 kwaye lilandelayo. Ukubona onke amacandelo afanelekileyo, jonga itafile yezinto ezibhalwe kwiMimiselo ye-Nondyebo (26 CFR 31), i-Subpart E.
- Ukupapashwa kwe-505, ukuGcinwa kweRhafu kunye neRhafu eqikelelweyo, ixoxa ngokubamba abantu ngabanye. (Kwakhona ifumaneka njengexwebhu le-PDF .)
- Ukupapashwa kwe-15, isiKhokelo soRhafu seMqeshi, sixoxa ngeenkqubo zokubamba abaqeshi. (Kwakhona ifumaneka njengexwebhu le-PDF .)
- Ifom ye-W-4 isetyenziselwa ukusetha okanye ukutshintsha izinga lokubamba abaqeshwa. Ifom iquka imiyalelo kunye namaphepha okusebenzela.
- Ukugodla kuxoxwa ngokubanzi kwisahluko 26 se- JK Lasser yeNgeniso Yentlawulo Yakho kunye nesahluko 4 se- Ernst & Young Tax Guide .
- I-Paycheck kunye ne-calculator yokubamba i-PaycheckCity: le calculator ingasetyenziselwa ukuphindaphinda kabini ukubalwa kwezinto zokubamba imali kwi-paycheck okanye ukufumanisa okokuthintela kwi-payck kungasebenzisa izibonelelo ezahlukeneyo zokubamba.