Indlela yokubala i-Income Income

I-IRS isebenzisa i-MAGI yakho ukuqinisekisa ukuba ngaba unokufaka isandla kwi-IRA

Ingeniso yakho epheleleyo ehlengahlengisiweyo (MAGI) inquma ukufaneleka kwakho kwiintlawulo ezibalulekileyo zerhafu, kubandakanywa ukuba unako ukunikela igalelo kwi- akhawunti yomhlala phantsi (IRA), uncedise kwiRoth IRA, okanye uguqule i-IRA yendabuko kwiRoth IRA . Ulungelelwaniso lweentlawulo zeerhafu zemfundo kunye neengxelo ezithile zerhafu yengeniso nazo zisekelwe kwi-MAGI. Ngaphantsi koMthetho woNonophelo ongenakunqwenelekayo, ukufaneleka kwemali-mboleko ye-Medicaid kunye ne-inshurensi yempilo yenkxaso kwiinkalo zeMarike ibalwa ngokusebenzisa i-Incomeable Gross Income (MAGI) yekhaya lakho.

Ngoko ke, kubalulekile ukuqonda indlela yokubala ingeniso yakho epheleleyo echitshiweyo eguqulekileyo ngoba inendima ebalulekileyo kwiindlela ezahlukeneyo zokucwangcisa irhafu yengeniso.

Into yokuqala yokuyiqonda kukuba imali yakho engenayo iguqulwayo ayikho into efana neyonke ingeniso yakho, okanye njengengeniso yakho epheleleyo eguqulwayo (AGI). Uninzi lwabantu luyazi kakuhle umvuzo wabo ohlaziyiweyo kunokuba bekhona ne-MAGI yabo.

Kodwa nangona ufumane ingeniso yakho epheleleyo kunye nokuguqulwa kwakho kwenguqu epheleleyo ingenakulinganiswa ngokubaluleka komnye, kubalulekile ukuqonda umahluko phakathi kwabo. Nazi iinkcukacha, kunye nendlela yokubala i-MAGI yakho.

Ukufumana Ingeniso Yakho Epheleleyo

Ingeniso yakho epheleleyo ehleliweyo (AGI) iyonke intlawulo yengeniso oyenzayo ngonyaka, unciphisa iindleko ezithile ezithintekayo. I-AGI ifumaneka kwicandelo 37 le- IRS ifom 1040 , kumgca we- IRS ifom ye-1040A , kunye nomgca wesi-4 we-IRS Ifomu 1040EZ.

Imali engenayo ehlaziywayo ibandakanya yonke yakho ingeniso, kuquka:

• umvuzo
• ngeniso mali
• ngeniso ye shishini
• ngeniso yomhlalaphantsi
• alimony
• ngeniso yerenti, kwaye
• ngeniso yefama

Inani elipheleleyo lemali engenayo ke "lihlengahlengiswa" ngokukhupha iindleko ezichithwayo zerhafu. Ezi ziquka:

• indleko zo titshala
• igalelo lezempilo (i-HSA)

• iindleko ze-inshorensi yezempilo (ukuba usebenza phantsi)
• IRA deductions
• alimony, kunye
• nomdla wemali mboleko

I-Revenue Service Revenue isebenzisa ingeniso yakho epheleleyo ehlelwe njengento yokuqala ukubala irhafu yakho yerhafu. Ikwasebenzisa kwakhona ukuchonga ukuba ufanelekile kwiintlobo zemali-mboleko kunye nokuxolelwa, kubandakanywa ukuncitshiswa kwezibonelelo, ukuncitshiswa kweendleko zokwamkelwa, iikhredithi zentela ezithembekileyo, kunye nekhredithi efumana imali.

Ngoko ke, ngokuqhelekileyo unomdla wokunciphisa i-AGI yakho ngokungangoko kunokwenzeka, inikwe imali yakho. Ngoko ke, kufuneka ufumane iindleko ezininzi ezinokubanjiswa kweerhafu ngokusemandleni ukukhupha kwi-totali.

Kukho izinto ezimbini awudingi ukuzongeza kwi-AGI yakho:

• iminikelo kwizicwangciso ezixhaswe ngumqashi, njengama-401 (k), kunye
• ingeniso ehlawulwa irhafu eyenziwe ngokuguqula kwiRoth IRA

Indlela yokubala i-MAGI yakho

Awuyi kufumana ingeniso yakho epheleleyo ehlengahlengisiweyo kwimbuyekezo yakho yentela. Ngethamsanqa, kulula ukubala.

Qala ngemali yakho epheleleyo ehlengahlengisiweyo, isibalo kumgca wokugqibela wefom ye-1040 okanye ye-1040A yerhafu (umgca 37 weFom 1040, umgca we-21 kwiFomu 1040A, okanye umgca 4 kwiFom 1040EZ).

Emva koko fumana i-calculator, kwaye wongeza kwakhona:

• naziphi na izihlomelo ozithathele igalelo le-IRA

• naziphi na izihlomelo ozithathele umdla wemali mboleko okanye umfundi
• isiqingatha serhafu yakho yokuqeshwa
• imali engenayo okanye ilahleko
• ngaphandle kwemali engenayo yangaphandle
• ilahleko zokuqashisa
• inzala evela kwii-EE zokubambisa iintlawulo ezisetyenziselwa ukuhlawula iindleko zemfundo ephakamileyo, kwaye
• iindleko zokuthotyelwa komqeshi kunye kunye
• ukulahlekelwa kwintsebenziswano ekuthengiseleni esidlangalaleni

Indlela i-IRS isebenzisa ngayo i-MAGI yakho

Isizathu esibaluleke kakhulu sokukwazi ukufumana ingeniso yakho epheleleyo echitshiweyo ukujonga ukuba ngaba unako ukwenza igalelo elichithwe yerhafu kumakhawunti ngamnye omhlala phantsi. I-IRS iphinda isebenzise i-MAGI ukuchonga ukuba unelungelo lokuthathelwa intela yerhafu kunye neerhafu. Ngokomzekelo, ngo-2017 ukuba unomnye okanye intloko yefayili yendlu ekubuyiselweni kwerhafu kwaye ifakwe kwisicwangciso somhlalaphantsi emsebenzini, awufanelekile ukuthatha inzuzo ye-IRA ukuba unayo i-MAGI ye-$ 72,000 okanye ngaphezulu.

Kananjalo awukwazi ukuthatha inqununu yezifundo kunye neerhafu ukuba unayo i-MAGI yee-80,000 zama-dollar okanye ngaphezulu njengento enye okanye intloko yefayili yendlu, okanye i-$ 160,000 xa utshatile kwaye uhambisa ngokubambisana.

Ekubeni imida kule mimeko iyahluka kuye kuxhomekeke kwisimo sakho sokufakela, kuya kufuneka udibanise umcebisi weerhafu okanye ulandelele amanani ngokwakho ukuba ubone apho umi khona nge-MAGI yakho.