Yenza iprojection yeRhafu
Xa unyaka wekhalenda usuphelile, akukho nto ungayenza malunga neerhafu zakho. Kodwa ukuba ucinga ukuba yintoni ukubuyela kwakho kwentela kuza kubonakala ngathi ngaphambi kokuba unyaka uphele, kukho zonke iintlobo zezinto onokuzenza. Ngokomzekelo, ukuhlaziywa kwerhafu kungasetyenziswa uku:
- Qaphela ilahleko ezinciphisa umrhumo wakho werhafu
- Qaphela iingeniso eziza kuhlawulwa kwi-zero xa ukwenza kulo nyaka
- Thatha iirejista ze-IRA ezingayi kuhlawulwa irhafu, okanye ziya kuhlawulwa irhafu kwizinga eliphantsi
- Ukuguqula imali ye-IRA kwiRoth IRA kwinqanaba lentlawulo ephantsi
- Nikela ngokusasazwa kwakho okuncinci kubuncwane ukugcina kwiirhafu
- Ukwandisa i-401 yakho (k) negalelo lokunciphisa ityala lakho lentlawulo
- Kwaye kuninzi, ngakumbi
Indlela yokulinganisela iintlawulo ngaphambi kokuphela komnyaka
Ukuqikelela iirhafu zakho, uqokelela yonke inkcazelo efanayo oyodinga ukuyizalisa irhafu yakho yentlawulo. Kukulungele ukuqala ngekopi yokubuyela kwerhafu yonyaka odlulileyo. Kwimida, bhala oko ucinga ukuba amanani ale minyaka aya kuba.
Emva koko, sebenzisa i-calculator yerhafu ye-intanethi ye-intanethi, faka imeko yesampula kwisofthiwe yokulungiselela irhafu njengeTurbo Tax okanye uMthetho weRhafu, okanye ukuba uthanda ukwenza izinto ngesandla, gcwalisa i-tax tax return.
Emva kokuba ubuyisele irhafu yakho yentlawulo eqikelelwayo, nantsi imida engundoqo yokujonga:
- I-Income Gross (AGI) (umgca 37 kwifom ye-1040, umgca we-21 kwi-1040A)
- Ingeniso ehlawulwayo (umgca 43 kwifom ye-1040, umgca 27 kwi-1040 A)
Nantsi into oyenzayo ngalunye lwala manani ukuze wenze izigqibo zokugcina imali ekupheleni konyaka.
AGI
Ingaba i-AGI yakho ingaphantsi kwe-$ 117,000 yee-single okanye ngaphantsi kwe-$ 184,000 yokutshata? Ukuba kunjalo ufanelekile ukuxhasa ngokupheleleyo iRoth IRA.
Ude ufike ngo-Apreli 15 ka-2017 ukwenza umnikelo wonyaka we-2016, ngoko ke qalisa ukongeza kwiRoth yakho ngoku kwaye ubone ukuba unako ukufumana ubuninzi ngo-Ephreli (i-$ 5,500 kule minyaka yobudala engama-49 nangaphantsi, i-$ 6,500 eyi-50 ukuya phezulu) .
Ukuba i-AGI yakho ingaphezu kweemali ezichazwe ngasentla, ngaba unako ukusebenzisa nayiphi na enye eyongeziweyo yentlawulo yokuchithwa kwentlawulo? Ngokomzekelo, ngaba ungayichasa ibhonasi yonyaka-yakho kwi-401 (k) isicwangciso? Ngaba unesicwangciso se-inshurensi yempilo ephezulu echithwayo eyokukwenza ube nelungelo lokwenza igalelo elichithwe irhafu kwi-Akhawunti Yokugcina Impilo?
Imali ehlawulwayo
Ngaba Ingeniso yakho ehlawulwayo phantsi kwe-$ 37,650 yee-single, okanye i-$ 75,300 engatshatanga? Ukuba kunjalo, ungaphantsi kwe-cutoff phakathi kwama-15 eepesenti kunye nama-25 eepesenti zerhafu. Nayiphi na ingeniso malunga nale mali iya kuhlawulwa irhafu kwi-25 ekhulwini. Thatha umehluko phakathi kwenombolo yokuhlutha kunye neholo lakho lentlawulo. Yiloo mali ezuzwayo ngaphambi kokuphela konyaka kwaye awuhlawuli irhafu . Okanye unokuguqula loo mali ukusuka kwi-IRA ukuya eRoth IRA kwaye iya kuhlawuliswa kwi-15 ekhulwini. Oku kunokuqiqatha ukuba unokuba ube ngowama-25 ekhulwini okanye izinga eliphezulu leerhafu emva kokuthatha umhlalaphantsi xa ufuna iimfuno kwi-IRA yakho.
Ukuba ingeniso yakho ingaphezu kweemali zokuhlawula, jonga utyalo-mali olunakho ngaphakathi kwee-akhawunti ezingekho phantsi komhlalaphantsi.
Ingaba kukho nawuphi na umlinganiselo ongezantsi kunokuba uhlawule ngawo? Batshintshele enye into ukuze bafumene ilahleko enkulu. Ilahleko iyakunciphisa nayiphi na imali eyinzuzo ekubuyiselweni kwentlawulo yakho yokuqala. Xa sele ichithe umvuzo, ukufikelela kwi-3,000 ye-loss loss capital ingasetyenziselwa ukutsalwa kweminye ingeniso. Kwireyenti yeerhafu yeepesenti ezingama-25, ukulahleka kwe-$ 3,000 kukugcina i-$ 750 kwiirhafu zombuso.
Ngaphezulu kweminyaka engama-70?
Ukuba uneminyaka engaphezulu kwama-70 ½ kwaye ufune ukuhanjiswa kwiakhawunti yakho yomhlalaphantsi, qwalasela ukuhambisa bonke okanye isabelo ngokuthe ngqo kwintando. Xa ukwenza oko, loo nxalenye ayiyi kuboniswa kwi-Line 15b ngo-1040 (kodwa ubeka inani elipheleleyo lokusabalalisa kumgca 15a), ngoko ke i-AGI yakho kunye nengeniso ehlawulwa irhafu iya kuba sezantsi. Xa i-AGI yakho isezantsi, oko kuthetha ukuba unokukwazi ukusebenzisa inxalenye enkulu yeendleko zakho zonyango njengenqununu.
Ezi zimbalwa zeengcebiso zokulondoloza irhafu ezingabonakaliswa ngokwenza ukuhlaziywa kwentela ngaphambi kokuphela konyaka. Ukuba awukwenyanga ukwenza oko ngokwakho, cinga ukutshala imali kwi-professional tax tax ukuze uncede. Ukulondoloza kwakho kungaphezulu kokunciphisa iindleko zeenkonzo zabo.