Umgca we-16 kwiFomu 1040: Izimpesheni kunye neziThuthi

Indlela yokuBala iPensheni kunye neNgeniso yeNgeniso kwiRhafu yakho yeRhafu

Ukuqonda yonke i-ins kunye nokuphuma kwenkxaso yakho eyimali engenayo kwaye ingafumani imali kunye neentlobo ezahlukeneyo zerhafu ezikhoyo zingenza umngeni ngokwaneleyo kwithuba lerhafu. Emva kokuba unjalo phantsi, ubhekene nokucingisisa ukuba ungangena kuyo yonke into yokubuyela kwerhafu. Ingeniso evela kwizicwangciso zomhlala phantsi iya kwiphepha lokuqala.

Umgca we-16 weFomu 1040

Ukuba ukrazula nayiphi na imali engenayo kwimpesheni kunye / okanye i-annuities ngethuba lonyaka werhafu, iya kumgca 16 weFom 1040.

Leyo yinto elula.

Umgca we-16 uphuhlulwe ube ngamacandelo amabini. Isiza esingaphantsi kwe-16a sibika inani elipheleleyo lemali oyifumene kwiimpesheni kunye nezibonelelo. Umgca we-16b ubika ngengxenye ehlawulwayo yile ntlawulo. Ngokomzekelo, usenokuba ufumene i-12,000 yeedola kwi-401 (k) isicwangciso sakho, kodwa i-$ 10,000 kuphela loo mali ityala. Ixabiso elingu-12 000 lemali liya kuhamba kumgca 16a, kwaye imali ehlawuliswayo eyi-$ 10,000 ihamba kumgca 16b. Umgca we-16b ngumlinganiselo obangela inzuzo yakho yerhafu.

IiNgxowa-mali zoMhlala-phantsi ezichazwe kumgca we-16

Ukusasazwa kwezi akhawunti ezilandelayo kufakwe kulo mgca werhafu yakho yentlawulo:

• 401 (k) izicwangciso
• 403 (b) izicwangciso
• Inkqubo yeNkonzo yoLuntu yeNkxaso (CSRS)
• Inkqubo yoBuhlala phantsi kwabasebenzi baseFrederal (FERS)
• Izicwangciso zempesheni yangaphandle
• Urhulumente 457 (b) izicwangciso
• Isicwangciso soKhuseleko

Yintoni engabonakaliyo kumgca 16

Akudingeki ukuba ufake ukungabonakali kwiintlobo ezilandelayo ze-akhawunti kuba baya kwenye indawo:

• Iingxelo zomntu ngamnye zomhlalaphantsi (IRAs) zichazwe kumgca we-15 endaweni yoko.
• Iipenshoni zokukhubazeka ezifunyenwe ngaphambi kokuba ufikelele kwiminyaka emncinci yokufumana umhlala-phantsi njengoko umiselwe ngumqeshi wakho uchazwa kumgca 7 njengomvuzo.
• Ukunikezelwa ngokulungelelaniswa kwemilinganiselo engaphezulu kwemvuzo okanye umrhumo ongaphezulu kwe-401 (k), 403 (b) okanye 457 (b) izicwangciso zomhlala-phantsi zichazwe kumgca 7 njengomvuzo.

Indlela yokubonakalisa iSahlulo sokuhlawulwa kwePensheni kunye neNgeniso yeNgeniso

I-IRS ithi iintlawulo zakho zihlawulwa ngokupheleleyo xa:

• "Awuzange ufake igalelo okanye ungabonakali ukuba uncedise nantoni na yakho ipenshini okanye i-annuity
• Umqeshi wakho akazange agweme umrhumo kumvuzo wakho, okanye
• Ufumene yonke iminikelo yakho (utyalo-mali kwisivumelwano) ngaphandle kwentela kwiminyaka engaphambili "

I-IRS iphinda ithi, "Unako ukukwazi ukunika imali esezantsi ehlawulwa irhafu ngokusebenzisa uMthetho oqhelekileyo okanye iNkqubo elula, okanye ukuba ukukhutshwa kwamagosa okukhusela abantu asebekhulile."

Iinkcukacha malunga noMgaqo-jikelele zifumaneka kwi-Publication 939. Iinkcukacha malunga neendlela ezenziwe lula zifumaneka kwi-Publication 575. I-Worksheet yoLwazi oluLilisiweyo lufumaneka kwiphepha 28 kwenguqu ye-2016 ye- PDF yemiyalelo yeFomu 1040 .

Ulwazi malunga nokunyangwa kweerhafu kweempahla ezivela kwi-CSRS, i-FERS kunye neSicwangciso soSondlo soNcedo singatholakala kwi- Publication 721 .

Kananjalo unakho ukhetho lokucela i-IRS ukubala inxalenye ehlawulwayo yokunikezelwa kwempesheni ngemali engatshintsha ngokukhawuleza. Jonga kwiphepha 77 lePublication 939 ukucela isigqibo se-IRS, leyo yinkqubo yokuba i-IRS ikhethe isabelo esikhokhelwayo.

Biza i-IRS ukuchonga imali ekhoyo. Ukuba unquma ukuyihlawula kwaye ukhethe ukuba uthathe intsalela yakho, intlawulo yerhafu echithwe njengento echanekileyo echithwe phantsi kwimiqathango ye-2 ekhulwini yokunciphisa umvuzo.

Inkqubo eNconywayo yokufaka iNgeniso yePensheni kwiFomu 1040

• Hlanganisa zonke iifomu zakho ze-1099-R ezivela kwiziko ngalinye lemali lonyaka.
• Ukwahlula izitatimenti zakho eziyi-1099-R ezimbini kwiipiliti ezimbini: ezo apho ibhokisi ye-IRA ihlolwe ngasemva kweBhokisi 7, kunye nalabo apho ibhokisi ye-IRA ingakhange ihlolwe.
• Iifom 1099-R ngetshekhi kwibhokisi ye-IRA zikwazisa ingxelo evela kwi-akhawunti yomhlala-phantsi ngamnye. Le ngcaciso iyaqhubeka kumgca we-15 ukuze ubeke ezi zinto ngaphandle uze ulungele ukungena loo ngeniso.
• Iifom 1099-R ngaphandle kwetshekhi kwibhokisi ye-IRA zikwazisa ukuhanjiswa kwiipenshini kunye nezibonelelo. Le ngcaciso ehamba kumgca we-16.

• Sebenzisa iWindows Worksheet Worksheet efunyenwe kwimimiselo yeFom 1040 ukubala ukuba awukho uhlawulelo (umgca 16a) kunye nemali ehlawulwayo (umgca 16b).
• Yenza itafile kwiirekhodi zakho ukubonisa izibalo zakho. Itafile kufuneka zibukeke njengale:

Iphepha lomsebenzi leFom 1099-R apho ibhokisi ye-IRA ingakhange ihlolwe
Igama lomhlawuli	Ukwabiwa okubanzi kwibhokisi 1	Inani elihlawulwayo kwibhokisi 2a	Inani elihlawuliswayo kwi-Règle Jikelele okanye kwi-Simplified Method Method sheet	Irhafu yentlawulo ye-Federal ibanjwe kwibhokisi 4	Irhafu yengeniso yombuso egcinwe kwibhokisi 15
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Iifomta:
Ingxelo kwiFomu 1040 kumgca 16a	Ingxelo kwiFom 1040 umgca 16b		Ingxelo kwiFomu 1040 kumgca 64	Ingxelo kwiShedyuli Umgca 5a kunye nokubuyela kwerhafu yakho