Nzira Yokugadzirisa Purogiramu R yeVakuru uye Vakwegura Mutero
Ndiani Anokodzera Kukwegura uye Kukwegura Kwekwereti?
Mubhadharo anofanira kunge ari mugari weUnited States kana mutorwa agerepo uyo:
- Yakazosvika makore makumi matanhatu isati yasvika gore rapera, kana
- Akarasikirwa nehurema pamberi pemagumo egore remitero uye ainge akaremara zvachose uye akaremera zvachose paakaenda mujeri
- Iwe uri pasi pezera remakore makumi matanhatu nemapfumbamwe pakupera kwegore asi iwe unotora basa pahutori hwekusagadzikana uye wakakwana, iwe wakagamuchira mukana wekuremara unokwereta, uye iwe usati wasvika pakuregekidzwa kwemakore ekurega basa semusi waJanuary 1 wegore idzva remutero
Age Requirement
Iwe unofungidzirwa kuti uri nemakore makumi matanhatu nemasere pamusi iwoyo usati wapera kuberekwa kwako kwema 65 Kana iwe wakaberekwa musi waJanuary 1, 1951, iwe waifungidzirwa uri nemakore makumi matanhatu ekupera kwa2015.
Kuremara Kunodikanwa
Internal Revenue Code chikamu 22, ndima (e) (3) inotaura kuti "Munhu anogara akakomba uye akaremara zvachose kana asingakwanisi kuita chero basa ripi zvaro rakakosha nokuda kwechipi nechipi chinogadziriswa pamagetsi kana mupfungwa chinogona kutarisirwa kuguma murufu kana izvo zvakagara kana zvinogona kutarisirwa kuti zvigare kwenguva inopfuurira yemwedzi isingapfuuri gumi. Munhu haafaniri kuonekwa sokuti akaremara zvachose uye akaremara zvachose kunze kwekuti achipa uchapupu hwehupo hwahwo nenzira yakadaro uye nenzira, uye panguva dzakadaro, sokunge Munyori angada. "
Mune mamwe mazwi, iwe haugone kuita chimwe chinhu chakakosha chinoita nekuda kwekutambura kwenyama kana yepfungwa. Chiremba anokwanisa anofanira kusarudza kuti mamiriro acho akagara kana anogona kutarisirwa kuramba achienderera mberi kwegore kana kuti inogona kutarisirwa kuguma murufu.
Kubvisa pahurema
"Kunyange kana iwe usati waita basa rekuita basa, iwe unogona kuonekwa uchirasikirwa nehurema pawakamira kushanda nekuda kwehurema hwako," maererano ne IRS Publication 524, Chikwereti chevakwegura kana vakaremara.
Mari yekuremara inofanira kubhadharwa pasi pegadziriro yevashandi kana urongwa hwehutano kana chirongwa chepensheni, uye inofanira kuiswa mumari yako sehomwe kana kubhadharwa panzvimbo yenheyo yenguva iyo iwe usiripo kune vashandi pamusana pekuremara kusingaperi uye zvachose.
Chero kubhadhara iwe unogamuchira kubva pane chirongwa chisingawanikidzi kubhadhara kwekuremara haisi mari yekuremara. Chimwe chikwereti chemari yebhadhiro yegore negore yaunowana apo iwe uchibvisa pamba pahurema kune mubhadharo wekubhadhara uye haisi mari yekuremara. Mari yeHarare inosanganisa mari yaunogamuchira mushure mekunge uchisvika pakusununguka kwemakore ekurega basa. Mvumo yekurega basa ndeyezera rinotarwa nemushandi wako panguva iyo iwe waizofanira kubvisa kana iwe usina kukwegura.
Zvikamu Zvokuwana
Mukuwedzera kune zvimwe zvikonzero zvinokodzera, muteresi akachinjwa mari yakawanda inofanira kunge iri pasi kana kuti yakaenzana nemari inotevera:
Kana nzvimbo yako yekutsvaga iri ... | Mari yako yakajeka yakagadziriswa inofanira kuva isina kudarika kana yakaenzana ne ... |
Single | $ 17,500 |
Musoro weimba | $ 17,500 |
Mudzidzi wechirikadzi (er) ane mwana anotarisira | $ 17,500 |
Vakaroorana vanonyora pamwe chete uye mumwe chete | $ 20,000 |
Vakaroorana vanonyora pamwe chete uye vaviri vakaroorana vanofanirwa | $ 25,000 |
Murume akaroorana ari kuisa zvakasiyana uye iwe wakararama kunze kwewakaroorana naye kwegore rese | $ 12,500 |
Nzira yekuverenga sei Chikwereti
Mutero wechikwereti unotarirwa se 15% yemari yekutanga iyo inenge isiri yekusagadzikana kwehupfumi hwehupfumi uye zvimwe zvimwe zvisingatarisirwi pensions, annuities kana kubatsirwa kwekuremara pamwe nehafu yenguva yako yakagadziriswa mari yakawanda kudarika chikamu chekuregererwa kweGGI . Kuti zvive nyore, iyo equation ingada ichi: 15 muzana x A - B + ½ C - D.
A = Chekutanga
B = Chikamu chisina kukanganisa cheHuman Social Security uye zvimwe zvikwereti zvisingatarisirwi pensions, annuities kana kuti hurema hwekuremara
C = Mari yako yakawedzerwa yakawanda
D = Chigadzirisho chemugadziriro wemari
Izvi zvinogadzirisa mukutengesa mutero chikwereti. Nhamba yekutengesa inozoenzaniswa neyemutero wemutero wehurumende inotaridzika kushandisa Chikwereti Chishandiso Worksheet chinowanikwa muMirayiridzo yeChechi R. Chikwereti chekupedzisira chemari chikwereti chiduku chiduku chekuita kwekutengesa kana chikwereti chekubhadhara mutero.
The Initial Amount
Mari yako yekutanga ndiyo yakaderera yemari yako inokonzerwa nemubhadharo kana kuti inotevera mibare:
Kana nzvimbo yako yekutsvaga iri ... | Chikwata chekutanga chikamu chediki chemari inokonzerwa nekuremara kwekuremara kana zvinotevera zviyero ... |
Single | $ 5,000 |
Musoro weimba | $ 5,000 |
Mudzidzi wechirikadzi (er) ane mwana anotarisira | $ 5,000 |
Vakaroorana vanonyora pamwe chete uye mumwe chete | $ 5,000 |
Vakaroorana vanonyora pamwe chete uye vaviri vakaroorana vanofanirwa | $ 7,500 |
Murume akaroorana ari kuisa zvakasiyana uye iwe wakararama kunze kwewakaroorana naye kwegore rese | $ 3,750 |
Izvo zvisingaitiki Chikamu chePensheni Zvipo
Zvinhu zvinotevera zvinosanganiswa kana uchienzanisa chikamu chisiri chekugadzirisa chemari yepensheni:
- Social Security benefits : chikamu chisingaitiki ndicho musiyano pakati peFomu 1040 line 20a uye 20b
- Motokari yekurasikirwa mari inobatsira: chikamu chisina kukwana cheNzira yekutanga inobatwa seSocial Security
- Kubhadhara kwevashandi kunobatsira: Maererano nemirayiridzo yemutsara 13a weChechi R, "kana Social Security yako kana yepamusoro yepamusoro yebhasiro yekubhadhara mari inoshandiswa pamusana pevashandi vemari yevashandi, itai kuti vashandi vanobhadhara zvikwereti seHuman Security Security."
- Veteran pensions
- Chero humwe hupfumi, annuity, kana kuti hurema hwekuremara hunoverengerwa kubva pamari
Zvinhu izvi zvinotevera hazvibatanidzi kana uchienzanisa chikamu chisina kukwana chepensheni yekubhadhara:
- Mauto ekuremara mapepa
- Zvikwereti zvinotarisirwa sekudzoka kwemari yako kubva mupenheni kana gore
- Disability annuity inowanikwa pasi pechitsauko 808 cheChina Foreign Service Act ya1980
- "Mari ipi neipi yepenjeni, goreji kana mvumo yakafanana yekukuvara kwevanhu kana kurwara kunokonzerwa nebasa rinoshingaira mumauto ehondo chero ipi zvayo, kana mu National Oceanic uye Atmospheric Administration kana yePublic Health Service," maererano nemirayiridzo yemutsara 13b weChechi R
Mari Yako Yakagadziriswa
Iwe unogona kuwana yako yakagadziriswa mari yakawanda pamutsara 37 weFomu 1040 kana pamutsara 21 weFomu 1040A.
Kugadziriswa Gross Revenue Liming Limitengo
Kana ... | Yakagadziriswa yakawandisa yemari yekuderedza mari ... |
Single | $ 7,500 |
Musoro weimba | $ 7,500 |
Mudzidzi wechirikadzi (er) ane mwana anotarisira | $ 7,500 |
Vakaroorana vachinyora pamwe chete | $ 10,000 |
Murume akaroorana ari kuisa zvakasiyana uye iwe wakararama kunze kwewakaroorana naye kwegore rese | $ 5,000 |
Zvinyorwa zvekuverenga zvakashandurwa kubva pakurongwa R uye kubudiswa kwemashoko 524, Chikwereti kune vakwegura kana vakaremara, IRS.gov.
Cherechedzai: Mitemo yemitero inoshanduka nguva nenguva, uye iwe unofanirwa kubvunzurudza unyanzvi wemitero kune mazano akawanda-kusvika. Mashoko aya ari munyaya ino haafananidzi sekupa mazano emitero uye haisi kutsiva mazano emitero.