Imali engenayo engafumanekanga ibandakanya izinto ezifana neentlawulo zenkxaso-mali, umvuzo wepeshoni, ukusasazwa kwiakhawunti yomhlalaphantsi, inzuzo eyinkunzi, inzuzo yengeniso, izabelo, imali engenayo engenayo evela kwizindlu zokuhlala eziqashisayo, i-alimony, i-dividends, kunye ne-bond interest.
Kufuneka ufumane imali engenayo ukwenza i-IRA okanye iRoth IRA. Yingakho, emva kokuba umhlala phantsi kwaye ungasasebenzi, awukwazi ukufaka isandla kwiakhawunti yakho yomhlalaphantsi.
Ingeniso efumanekayo kwimhlala-phantsi inokuchaphazela neenzuzo zakho zoKhuselo loLuntu. Ukuba uqokelela ukuKhuseleko kweNtlalo ngethuba (ngaphambi kokuba ubizwa ngokuba ngumhlala wakho ohlala phantsi umhlalaphantsi osekelwe ngomhla wokuzalwa kwakho), kwaye unemivuzo eninzi ezuzayo, uMyinge weNgcaciso yeNhlalakahle yeNtlalo uza kusebenza kwaye unokuhlawulwa ezinye zeentlawulo zakho. Ingeniso efumanekayo ihlawuliswa ngokungafaniyo nengeniso engayifumani.
Imirhumo kwiNgeniso ezuziweyo
Uhlawula iintlobo ezimbini zerhafu kwimali engenayo, Ukhuseleko lwezeNtlalo / irhafu yonyango (ebizwa ngeFICA, i-OASDI, okanye irhafu yokuhlawula), kunye neerhafu zentlawulo kunye nombuso. Iirhafu zokuhlawula ezithathwa ngokuzenzekelayo kwi-paycheck yakho zinamalungu amabini. Okokuqala, i-12.4% yemali engenayo ihlawulwa kwiNtlalo yoKhuseleko. Umqeshi wakho uhlawulela isiqingatha serhafu, kwaye uhlawula isigamu.
Ukuba usebenza ngokuzimeleyo uza kuhlawula i-12.4% epheleleyo, nangona kunjalo, inxalenye "yomqeshi" ye-6.2% ngokuqhelekileyo ihlawulwe irhafu.
Le ntlawulo yerhafu yeNtlalo yoKhuseleko iyaxhaswa kwixabiso lemali engenayo oyifumanayo ukuya kwisiqingatha esicacisiweyo sedoli, ebizwa ngokuba ngumnikelo kunye nesiseko senkxaso, okanye i-cap cap.
Ngo-2017, umda weli dola u-$ 127,200, ukususela kwi-$ 118,500 ngo-2016. Oku kuthetha ukuba akukho ntlawulo yeeNtlawulo zeNtlalo zoNyango yoTywala ehlawulwayo kwimali engenayo engaphezulu kwelo mda.
Isixa sesibini sokubamba i-Taxare. Le rhafu yi-2.9% yalo lonke umvuzo. Kwakhona, eli rhafu lidibeneyo uxanduva lomqeshwa kunye nomqeshi, ngokuhlawula i-1.45% nganye. Ngokungafani neRhafu yoKhuseleko lweNtlalontle ene-cap, imali yerhafu ayikho. Nawuphi na umvuzo okanye ezinye iifom zokufumana ngeniso ziqwalaselwa phantsi kwerhafu. Ukuba uqeshiweyo, uhlawula i-2.9% epheleleyo. Ezi ntlawulo zerhafu ziyasetyenziswa ukuxhasa iintlawulo zeNtlalo kunye neenzuzo zeMedare.
Ingeniso yeRhafu yeNgeniso
Ingeniso engafumanekanga ayikho phantsi kweerhafu zerhafu. Ezi ziindaba ezilungileyo! Nangona kunjalo imithombo engenayo ingenayo ifakiwe kwi-calculation yakho ye-Income Gross Income (AGI) yeenjongo zerhafu yengeniso. Unokufumana i-AGI yakho kumgca we-37 kwifom yakho yentlawulo ye- 1040 . Ininzi engenayo engenayo ingeniso njengengeniso yenzalo evela kuma-CD okanye i-akhawunti yokulondoloza, iirejista ze-IRA kunye neentlawulo zempesheni zihlawulwa kwizinga lakho lentela. Nangona kunjalo, iintlobo ezithile zeengeniso ezingenakufumana, ezifana neenzuzo zentengo kunye neengeniso ezifanelekileyo zihlawulwa kwizinga eliphantsi.
I ngcebiso
Ukuba unako ukugcina ixesha elide ebomini, unokwakha imithombo yengeniso engafumanekanga, kwaye le ngeniso iya kukhutshwa kwiirhafu zerhafu.
Ezi ziindaba ezilungileyo kubalimi-mali kunye nabathathe umhlala-phantsi. Nawuphi na umrhumo wokuhlawula umvuzo owenziwe kwi-akhawunti yomhlala-phantsi, isicwangciso somhlala-phantsi, okanye enye inxaxheba yerhafu yokuhlawula isisombululo siya kunciphisa umrhumo werhafu kunye nekarhafu, sele sele ithathwe kwimivuzo embi.
Xa uthatha umhlalaphantsi uya kwenza utshintshe ekubeni uthembele kwimali engenayo ukuze uthembele kwiholo elingenakufumana. Ngenxa yokuba unyango lwerhafu luyahlukahluka ngokuxhomekeke kumthombo wokufumana umvuzo, kukulungele ukuba nemali efumanekayo kwimithombo efana neentlawulo ezingenaserhafu njenge-Roth IRAs, i-akhawunti ye-tax-tax emva kokulondoloza kunye notyalo-mali kwi-akhawunti ye-brokerage, kunye ne-akhawunti echazwe ngerhafu njenge-IRAs kunye no-401 (k).
Abanye abahlala kumhlala-phantsi baqala ukubonisana namashishini, benze umsebenzi-banokusebenza, okanye ngandlela-thile baqeshwe.
Abaninzi bayabanjwa ngetyala lokuhlawula / i-FICA irhafu kwaye banokufumana emva kwerhafu xa bebaqeshwe. Ukuba uya kuba ngumntu oziqheliselayo qiniseka ukuba usebenze kunye neengcali zerhafu efanelekileyo onokukunceda ukubala inani elifanelekileyo lokuhlawulwa kweerhafu ukuthumela-ngaphandle koko u-Apreli 15 kuya kuba yinto engathandekiyo yonyaka kuwe.