Ngaba kufuneka uhlawule irhafu kwiintlawulo zakho zeNtlalo? Ingayiyo
Kuyaxhomekeka. Iingeniso zakho zinokuba zihlawulwanga okanye zihlawulwe ngokuthe ngqo, kuxhomekeke kwindleko eninzi eyongezelelweyo onayo kwiminye imithombo. Nantsi indlela ephuka ngayo.
Ukuba Ukhuseleko Lwentlalo Ngumthombo Wodwa Wentlawulo
Ukuba awuzange ufikelele ekutyala imali kule 401 (k), ukuba awuqokeleli imali ngokuqeshisa ikhaya lakho ngelixa uhamba kunye nonyana wakho okanye intombi yakho, kwaye ukuba unikezele ukusebenza ngokusisigxina, ingeniso yakho yoKhuseleko loLuntu ayihlawulwanga.
Le mizekelo nje - inqaku kukuba awukho enye ifomu yengeniso kuwo wonke umthombo. Akunakuze ufumane ifayile yokubuyela kwimeko.
Ukuba Unayo Imali Eminye
Ukuba uneminye imithombo yengeniso ukongeza kwiintlawulo zakho zeNtlalo, inxalenye yezibonelelo zakho inokuhlawulwa. Ungasebenzisa iShishini lokuSebenza soKhuseleko loLuntu kwiMigaqo yeFom 1040 ukuba ubale inani lakho lentlawulo, kodwa nantsi indlela esebenza ngayo.
Okokuqala, ukubala ingeniso yakho yesikhashana, uze uyiqhathanise nemilinganiselo esezantsi kwitshathi elingezantsi. Ingeniso yakho yesikhashana ingeniso yakho epheleleyo kuyo yonke imithombo, kubandakanya imali engenayo yerhafu, kunye nesahlulo sakho seNtlalontle yeNzuzo.
Ezi mali zisezantsi zisetyenziselwa ukuqikelela isahlulelo sokuhlawulwa kwentlalo yeNkonzo yoKhuseleko lweNtlalo yonyaka werhafu 2017 no-2018.
| Indawo yokufaka | Isiseko semali | Inani elongezelelweyo |
| Ongatshatanga | $ 25,000 | $ 34,000 |
| INtloko yeMakhaya | $ 25,000 | $ 34,000 |
| Umhlolokazi oFanelekileyo (er) | $ 25,000 | $ 34,000 |
| Ukutshata Ukutshata Ngokubambisana | $ 32,000 | $ 44,000 |
| Ukutshata ngokutshatyalaliswa ngokwahlukileyo | $ 0 |
Indlela iSeko leMali eliSebenza ngayo
Masibhale esiNgesi ngokucacileyo kwaye sinike umzekelo. Siza kuthi uqokelela i-$ 15,000 ngonyaka ngemali engenayo. Uyaqhubeka usebenza ngolunye usuku ngeveki nje ukuba uphume endlwini kwaye ewe, ukukunceda uphumelele, kwaye ufumane i-$ 7,000 ngonyaka odlulileyo ukwenza njalo. Uqokelela i-$ 18,000 ngonyaka kwiintlawulo zomhlala-phantsi zeNtlalo.
Isiqingatha sazo siphumela kuma-9,000.
Ingeniso yakho yexeshana ke i-$ 31,000: ingeniso yakho yentengo kunye nomvuzo wakho kunye ne-9,000 okanye i-50 yeepesenti ze-Social Security benefits. Ukuba isimo sakho sokufakela singabodwa, iNtloko yeMakhaya, okanye uMhlolokazi oFanelekileyo (er), ingeniso yakho yesikhashana i-$ 6,000 ngaphezu kwesixa esisiseko se-$ 25,000 ngoko kuya kufuneka uhlawule irhafu kwintsimi yeeNtlawulo zeNtlalo. Ukuba inani liye laphuma ngaphantsi kwexabiso lemali eyi-$ 25,000, izibonelelo zakho zazingenakho irhafu.
Ngoku Ngoku malunga neNani elongezelelweyo
Emva koko kukho enye ikholomu, "imali eyongezelelweyo." Ingeniso yakho yonke ye-$ 31,000 ingaphezulu kwesamba semali kwisimo sakho sokufakela, kodwa singaphantsi kwesi sixa esongezelelweyo sama-34,000 wama-$, ngoko kufuneka uhlawule irhafu malunga neepesenti ezingama-50 zoNcedo lweNtlalo.
Leyo ayikho ipesenti yentela ye-50. Kuthetha ukuba kuya kufuneka uxelele kwaye ukhokhe irhafu yengeniso kwi-$ 9,000 ye-18,000 yakho ye-18,000 kwi-Intlalo yeNgeniso yeNtlalo.
Ukuba ingeniso yakho yesikhashana ingaphezulu kwama-34,000 wamawaka ngo-2017 okanye ngo-2018, kufuneka uhlawule irhafu yengeniso malunga neepesenti ezingama-85 ze-Social Security benefits-kulo mzekelo, i-$ 15,300 okanye i-85 ekhulwini yee-18,000 zamaRandi.
Imithetho Yababini Abatshatileyo
Isixa esisisiseko semali kunye nemithetho eyongezelelweyo yemali iyasebenza xa utshatile kwaye uthumela ingxelo yentlawulo ehlangeneyo , kodwa uya kubala ngokusekelwe kwimimiselo yakho kunye neentlawulo zakho zoLuntu lweNtlalo.
Izibini ezitshatileyo ezifakela iintlawulo zerhafu ezahlukileyo zineendlela ezimbini zokwenza i-computing portion portion of their Social Security benefits. Ukuba uhlala kwindlu efanayo kunye naliphi na ixesha ngethuba lonyaka werhafu, oku kunciphisa umlinganiselo wakho wesiseko. Uya kuhlawula irhafu kwinqanaba leenzuzo zakho zeNtlalo.
Izibini ezitshatileyo ezihlala ngaphandle komnye kunyaka wonke zingasebenzisa isixa-mali esingama-$ 25,000 kunye nemali eyongezelelweyo engenayo ye-34,000 yee-R4 ukuze icomputer inxalenye yerhafu yeenzuzo zabo, ngokungathi bengatshatanga.
Kwimeko nayiphi na imeko, nokuba utshatile okanye ungatshatanga, inxalenye ehlawulwayo yeenzuzo zakho zoKhuselo lweNtlalo ayikwazi ukugqithisa ama-85 eepesenti zezibonelelo zakho zonke.
Ukubambelela kwiNzuzo yoKhuseleko loLuntu
Ungakhetha ukuba irhafu yengeniso yefesti inqatshelwe kwiiNtlawulo zakho zoKhuseleko loLuntu ukuba unesizathu sokucinga ukuba uya kugqiba ukuhlawula irhafu kwincenye yabo.
Ierhafu yengeniso ye-Federal inokugcinwa kwizinga leepesenti ezi-7, iipesenti ezili-10, iipesenti ezili-15, okanye iipesenti ezingama-25. Fom ifom ye-W-4V (PDF) ukuvumela uLawulo loKhuseleko loLuntu ukuba lukwazi kangakanani irhafu ongathanda ukuluyeka.
Imirhumo kaRhulumente iyahluka
Nangona uninzi lwamazwe alubandakanyi ingeniso yeNhlalakahle yeNhlalakahle kwiirhafu, iindawo ezintlanu ziya kuhlawula irhafu ukuya kuma-85 ekhulwini lweenzuzo zakho ngoJanuwari 2018: iRhode Island, iVermont, iNorth Dakota, iWest Virginia kunye neMinnesota. Ezinye ezisibhozo zi-Utah, Nebraska, New Mexico, Montana, Missouri, Kansas, Connecticut kunye neColorado-kunye neentlawulo zeNtlalo zentlalo kwinzuzo ethile kodwa zinikeza ezinye ikhefu ezisekelwe kwiminyaka yakho kunye nenqanaba lokufumana imali. Ukuba uhlala kuyo nawaphi na kula macandelo olawulo lwerhafu, ungayihoyi ukucwangcisa iirhafu zorhulumente ngokunjalo.
Le yimithetho ephambili. Ukuba unemithombo emininzi yenye ingeniso, qwa lasela ukubonisana neengcali zerhafu ukwenzela ukuba uphephe phantsi uxanduva lwakho.