Kunyanya Kuchengetedza Kurasikirwa Kunogona Kuderedza Mitero Yako Nechikwereti
The Saver's Credit, iyo yaimbozivikanwa seRetirement Savings Contributions Credit, inopa vateresi vashoma-uye vanonongedzera varipo vari kuchengetedza basa rekurega basa nekodzero dzekutora mitero.
Izvi zvakasiyana nekutengesa mutero nekuda kwekuti chikwereti chemari chikwereti chedhora-ye-dollar kuderedza mutoro wako wemitero yakakwana (iyo yose mitero yemitero iwe unotarisirwa kubhadhara musati mvumo inoshandiswa). Izvo zvisina kubhadharwa zvezvikwereti zvemitero iyi zvinoreva kuti mutero wechikwereti unoderedza chikwereti chako chemutero asi hausi kuderedza chikamu chako pasi pe zero.
Iwe Unokodzera Kubhadhara Mutero Mutero?
Kuti uwane chikwereti cheRusfellow Retirement Saver 2018 unofanira kunge uri makore gumi nemasere. Iwe haugoni kuchengetedza mamiriro ezvinhu semudzidzi wenguva yakazara kana kunzi semunhu anovimba nemumwe munhu wemutero wekubhadhara. Chimwe chinodikanwa ndechokuti iwe unofanirwa kuita mishandiro yakakodzera kuIRA yako kana chirongwa chekurasikirwa chebasa rebasa regore rekubhadhara raunenge uchitsvaka chikwereti chemutero.
Ko Mutengi Anokwereta Zvakawanda Zvakadini?
Mutero wekwereti yekwereti ndeye 50 muzana, 20 kubva muzana kana 10 muzana yeurongwa hwekubvisa mari yako kana mipiro yeIRA uye inobva pane yako yakagadzirirwa mari yakawanda.
Mutero Wekuchengetedza Murairo unobatsira zvikuru kune vabhadhara mutero vane mari yakaderera. Izvo zvikwereti zvikwereti zvinokwana $ 2,000 ($ 4,000 kana vakaroorana vachidhonza pamwe chete).
Kwegore ra20188, mari yako yakagadziriswa inofanira kunge iri $ 31 500 kana kuti pasi kuti uwane chikwereti kana nzvimbo yako yekutsvaga isina kuroora kana kuroorwa ichiisa zvakasiyana.
Mutero wechikwereti unoshanda kune avo vanyorera sevakuru vemhuri neAIDS vari pasi pe $ 47,250. Vakaroorana vakaroorana pamwe chete neAAGI ye $ 63,000 kana kuti pasi pasi muna 2018 vachakwanisawo kupiwa Saver's Credit.
2018 Kubhadharwa Kwemari Kubhadhara Mipiro Chikwereti
| Credit Rate | Vakaroorana Vanowedzera Jointly | Musoro weMhuri | All Other Filters * |
| 50 muzana yemupiro wako | AGI haisi ye $ 38,000 | AGI haisi kudarika $ 28,500 | AGI haisi ye $ 19,000 |
| 20 muzana yemupiro wako | $ 38,001 - $ 41,000 | $ 28,501 - $ 30,750 | $ 19,001 - $ 20,500 |
| 10 muzana yemupiro wako | $ 41,001 - $ 63,000 | $ 30,751 - $ 47,250 | $ 20,501 - $ 31,500 |
| 0 muzana yemugove wako | inopfuura $ 63,000 | inopfuura $ 47,250 | inopfuura $ 31,500 |
* Kusanganisira vasina kuroorwa, vakaroora kuisa zvidimbu, kana chirikadzi inokodzera (er) kuisa nzvimbo
Semuenzaniso: Susan ndiye muteresi akaroorwa achiisa mubatanidzwa wemutero kudzoka nemari yakawanda ye $ 38,500. Mudzimai wake akanga asina mari yakawanikwa muna 2018. Anoda kuchengetedza mari yekusunungurwa uye anosarudza kupa $ 2 000 kuRoth IRA kuti ashandise mukana wekukwereta kusina mutero wekuwana mari. Susan angatora chikwereti chemazana makumi maviri, $ 400, nokuda kwemari yake ye $ 2,000. Sezvimwe zvekare, aigona kuita mari yakabhadharwa kune imwe tsika yeIRA. Mushure mokubvisa mutsika weIRA mhirizhonga yake AGI ingaderedzwa kusvika madhora 36 500 achimukodzera kuti ave che50 muzana yechikwereti chekubhadhara mari. Munharaunda yeIRA mamiriro ekukwereta mutero angave $ 1 000 (50 muzana ye $ 2,000).
Mipiro Yegore Rakatererwa Imitero
Sezvo mitero inotora matanho ekutsvaga kugadzirisa kuchengetedza basa muIRA inogona kugadzirisa hurongwa hwekupedzisira kuti ubatsire kuwedzera kubhadhara mari yako yekusasiya uye zvingaderedza mitero yako (ona Last Minute Tax Savings Kuti Ubatsire Kurega ). Mipiro yeIRA yegore rekutere ra2018 inogona kuitwa kusvikira musi weChirungu wa15 Kubvumbi, 2019. Kana iwe uri wega wega wega Mipiro yeIRA inogona kuwedzerwa kusvikira mutero wekutsvaga kutora nguva yekupedzisira.
Kugadzirisa mari muIRA yegore rapera mutero ndeimwe yezvishoma nzira dzakasara sezvo nguva iri kuisa kune iyo mitero yekuisa misi yakatarwa yekuderedza mitero yako kuburikidza nekwereti yemutero. Ramba uchiyeuka kuti kana iwe uchisarudza kuti ndeupi rudzi rweIRA runonyanya kufunga nezvemamiriro ako ezvinhu unofanirwa kuongorora zvose zvinobatsira uye zvisingabatsiri zvechisarudzo chimwe nechimwe.
Kana iwe usati uri mumakore ako ekufambisa kana kutarisira kuva muchengeti wepamusoro wemutero munguva yekubvisa mari inogona kuita zvakanakira kuenda neRoth IRA. Kune rimwe divi, kana iwe uchida kuderedza mari yako inotengesa mutengo wekodha reRRA unogona kuva nzira yekuenda nayo. (Ona Traditional vs. Roth IRA kuti uwane mamwe mashoko)
Chati iri pasi apa inorondedzera mari inowanikwa inokodzerwa neSaver's Credit inobva pane zvaunoshandisa mutero wako wokudzoka:
2017 Kubhadharwa Kwemari Kuponesa Mipiro Chikwereti
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* Kusanganisira vasina kuroorwa, vakaroora kuisa zvidimbu, kana chirikadzi inokodzera (er) kuisa nzvimbo
Kubhadharwa Kwemabhadharo Akakodzera Kubhadhara Mutero
Iyo Retirement Savings Contributions Chikwereti (Saver's Credit) inogona kushandiswa paunopa mitezo ekutevera maitiro ezvakachengetedza maakaunti.
- Traditional kana Roth IRA
- 401 (k) uronga
- 403 (b) ronga
- 457 (b) uronga
- Thrift Savings Plan (TSP)
- SIMPLE IRA
- Sangano re Simplified Employee Pension (SEP)
- Chikamu 501 (c) (18) zvirongwa
- RA yangu (nhamba yekuchengetedza mari kubva kuDhipatimendi reMari yeUnited States)
Zvisinei, kana iwe wapedza rollover kubva pane chirongwa chakanaka kana IRA mipiro iyo haikwanisi kuSaver's Credit. Mukuwedzera, kana iwe wakagamuchira chero zvipo kubva muurongwa hwekurega basa kana IRA mishandira yako yakakodzera ingaderedzwa nemari yakagamuchirwa.
Kunobva: Internal Revenue Service
Nzira Yokutaura nayo Saver's Credit
Kuti ushandise ruzivo rweSaver's Credit iwe unofanira kuisa IRS Form 8880 , "Chikwereti cheKufanirwa Kwekuchengetwa Kwekuchengetedza Mipiro." Zvisinei, unofanirwa kushandisa Fomu 1040, 1040A, kana 1040NR kuitira kuti utaure Saver's Credit. Iwe hauna kukodzerwa kubvunza chikwereti chemutero kana uri kushandisa zvakanyanya fomu Fomu 1040EZ kuti uise mitero yako.
Summary
Kuchengetedza kubhadhara mari yakaoma kumhuri dzakawanda muAmerica. Inokosha yemitero inokurudzira kubatsira kuita kuti kugadzirisa kuve nyore. Chimwe chezvinyorwa zvinokosha izvo vanhu vanoisa mari yavo muurongwa hwekurega basa kuburikidza nemushandirwi kana IRA inowedzera kutererwa kwekubhadhara kwekuwana. Mipiro yakagadzirwa pamusana pekutengesa mitero uye mitsva inokonzerwa yeIRA inobatsirawo kuderedza mari yako inotengesa. Kana iwe uchikwanisa kuwana Retirement Saver's Credit iwe unowana zvose zvinowanzobhadhara mutero kubva kuna Uncle Sam kuti uchengetedze kubhadhara pamwe nehuwandu hunowedzera hwekwereti yemutero.
Kuziva kunokosha kana zvasvika pakushandisa zvakakwana Retirement Saver's Credit. Zvinosuruvarisa, maererano ne16th Annual Transamerica Retirement Survey chete 25 muzana yemhuri dzine mari inodarika madhora 50,000 vanoziva mutero wechikwereti uripo.