Isicwangciso esilula singahamba indlela ende yokunciphisa irhafu
Kwiminyaka emininzi edlulileyo xa ndilungiselela ukubuyiswa kweerhafu kwisibini esitshatileyo kunyaka wonyaka we-2012, ndaqonda ukuba babe necebo elifanelekileyo lerhafu. Baye bakwazi ukunciphisa irhafu yabo yentlawulo yombutho ngokuthi babe nekhaya elithobekileyo, babeka abantwana kwiikholejini, kwaye basindise umhlalaphantsi.
Izandi ezigqibeleleyo, kodwa njani iinombolo zisebenza? Ukusebenzisa umnyaka werhafu ka - 2012 kwimida ye-IRS kunye neerhafu zerhafu ezazisetyenziswa ngelo xesha, nantsi indlela esinciphisa ngayo imali engenayo engenayo.
Ukuze ubone indlela ezi zicwangciso zingasebenza ngayo, qiniseka ukuba ubonisana newebhusayithi ye-IRS ukwenzela ukuba ininzi yerhafu yerhafu yengeniso yombuso.
Isicwangciso soRhafu 1: Gcina kwisicwangciso se-401k
Masiqale ngeprofayili yabo. Esi sibini sibonisa ukubuyiswa kwentela kunye kunye nezingane ezintathu: ezimbini kwiikholeji kunye nesinye esikolweni esiphakeme. Phakathi kwabo bobabini, bafumana iRandi 76,500 ngomvuzo. Ngamnye ubeka i-$ 5,000 kwiiplani zabo zokugcina umhlala-phantsi ezingama- 401k , okunciphisa umvuzo wabo ohlawulwayo ngu-R10 000. Ngoku, esi sibini sitsalwa kuphela kwi-66,500 zamaRandi. (Oku kuyenzeka nokuba yinto epheleleyo yokufumana ingeniso .)
Isicwangciso seRhafu 2: Thenga iNdlu & I-Itemize UkuCatshulwa kwakho
Ngenxa yokuba banayo indlu, isi sibini sinakho ukulungelelanisa . Ngaphandle kwenzalo yemali eyi-16,000 yezigidi, le mbhangqwana nayo inerhafu yezindlu (enye i-$ 5,000), iminikelo ebandleni (malunga ne-$ 3,700), kwaye masingakhohlwa irhafu yengeniso efunyanwe kwii-payers ($ 2,500).
Ukuncitshiswa kwawo okubhaliweyo kwafikelela kuma-27,200. Oku, kunciphisa i-AGI yabo ukusuka kuma-66,500 ukuya kwi-39,300.
Abaxumi banokunciphisa imali engenayo yokuhlawulwa yerhafu ngee-19,000 zama-$ ngenxa yokuxolelwa kwabo abahlanu. Ukuxolelwa komntu ngumyinge oqhelekileyo ngamnye womhlawuli-ntlawulo kunye nomxhomekeke kuboniswa kwerhafu.
Ngo-2012, inani lokukhululwa komntu ngamnye li-$ 3,800, amaxesha amahlanu abantu (umyeni, umfazi kunye nabantu abathathu abaxhomekeke kubo) balingana no-19,000. Ukuxolelwa komntu siqu kusebenza njengokuncitshiswa ngenxa yokuba oku kunciphisa imali engenayo yerhafu.
Emva kokukrazula ukuxolelwa kwabo, i-income taxable income ingama-$ 20,300. Le yimali apho irhafu yengeniso yomthetho ibalwa. Ukusebenzisa iirhafu zerhafu ka-2012 kubanika irhafu yengeniso ye-$ 2,175. Siyabona ukuba le sibini siwela kwi-braxy ye-15% yentela ngokusekelwe kwingeniso yabo engenayo kwiingqabane ezitshatileyo ezifakela ngokubambisana. Ngo-2012, i-$ 17,400 yokuqala yengeniso ehlawulwa irhafu ihlawuliswa ngezinga le-10%. Ibhonksi yeerhafu ye-15% isebenza kwimali engenayo engenayo ngaphezu kwe-17,400 yezigidi ukuya kuma-70 700. Nangona kunjalo ingeniso yerhafu yomtshato ingama-20,300 kuphela, ngoko ke isilinganiso se-15% sisebenza kuphela kwisixa apho imali yabo engenayo ingenayo i-$ 17,400, ekupheleni kwebhanki elingaphantsi kwe-10%. Imali ehlawulweyo kwizinga le-15% yi-$ 2,900, okubangelwa i-$ 435 kwerhafu ibalwa. Ukuhlanganiswa kweemali ezivela kwii-10% kunye ne-15% yentlawulo yeerhafu, esi sibini sinerhafu yengeniso ye-$ 2,175.
Isicwangciso seRhafu 3: Sebenzisa iMali yokuRhafiswa kweRhafu ukuLawula iintlawulo zakho
Abantwana babo babini baya kwiikholeji. Intombi yabo endala iphakamileyo kwipyunivesithi yaseburhulumenteni, kunye nonyana wabo, owesibili endala, beyindoda entsha kwiyunivesithi yaseburhulumenteni.
Ngo-2012, banokhetho lokuthatha isigqibo phakathi kweNkcazo yokuFundiswa kweMpilo okanye iNkcazo yeMali yaseMerika . Esi sibini sichitha i-$ 15,000 kwiphulozo yentombi kunye ne-$ 5,000 kwisikolo somntwana wabo wonyaka. Esi sibini sinokukhetha phakathi kwe- Lifetime Learning Credit exabisa i-20% ye-$ 10 000 yokuqala yeendleko zeefizi zezikolo (okanye imali engama-$ 2,000) okanye i- American Opportunity Credit efikelela kwi-$ 2,500 kwi-$ 4,000 yokuqala yeendleko zemfundo ezifanelekileyo, eziquka izinto zokufunda kunye nezifundo.
Ukubandakanywa kweemali zerhafu kwimfundo ephakamileyo kuya kuphelisa ngokupheleleyo i-$ 2,175 yezibini kwerhafu yengeniso. Kodwa kwimeko yabo, i-American Opportunity Credit yenza ngcono, kuba i-40% yerhafu yerhafu iyabuyiselwa. Iimpawu ezimbini zeMerika zaseMelika kwixabiso elingaphezu kwama-2,500 lemali, eziyi-5,000 zama-dollar kwiirhafu zerhafu.
Amaphesenti angamashumi anesithandathu kuloo mali, okanye i-$ 3000, ikhupha irhafu yengeniso ye-federal ye-$ 2,175. Esi sabelo seNkokhelo yeMali yaseMelika asibuyiselwa imali, ngoko le nxalenye yerhafu yerhafu iyanciphisa irhafu yengeniso ye-federal kwi-zero, kodwa ingekho phantsi kwe-zero.
Ipesenti ezingama-40 ze-American Opportunity Credit yabuyisela imali, ngoko ke i-$ 2,000 yelo khredithi yayiphathwa njengokuba ityala lentlawulo. Iikhredithi ezibuyiselwayo zisebenza njengento yokugweba kunye nezinye iintlawulo zerhafu, kwaye nayiphina imali engaphezulu kweyomrhumo werhafu yengxowa-mali ebuyiswa yi-IRS. Kulo mbhangqwana, bafumana imali yokubuyisela irhafu eyi-$ 2,000 ephezulu kunexabiso lentlawulo abaye bahlawula kuyo ngokubamba.
Isicwangciso soRhafu 4: Lungisa ukuLawula kwakho nokuchitha imali yakho yentlawulo ngokufanelekileyo
Ngoko ke, isibini sinokubuyiselwa ngokutsha kwayo yonke into yokubamba kwabo, kunye nexabiso elongezelelweyo ukusuka kwingxenye ebuyisekayo ye-American Opportunity Credit. Bagqiba ekubeni basebenzise inxalenye yokubuyisa imali yabo ukuvula iiRoth IRAs zombini nomfazi (ukuya kwi $ 5,000 ngamnye ngomnyaka ka-2012), kunye nokubeka ezinye izatifikethi zebhanki ezininzi zekholeji yabo encinci yekholeji yabo.
Njengoko ubona, ngamanye amaxesha ukuphulwa kweerhafu yinto enhle kakhulu. Ngokubamba indlu, ukubeka abantwana babo kwiikholeji, nokugcina imali yokuthatha umhlalaphantsi, esi sibini siye sakwazi ukuphelisa umrhumo wabo werhafu.