Zvichienderana Nezvaunowana, Unogona Kuve Wakabatanidzwa
Nzira iyo inotarisa kubhadhara mitero inoshanda kune vose, pasinei nezera.
Kana iwe wakatarisa fomu yemutero 1040 uchaona mabhokisi maviri; bhokisi 20a yehuwandu hweHuman Security Security, uye bhokisi 20b, pamutengo wemutero. Hezvino kuti mari inotengesa inogadziriswa sei.
Sarudza Zvaunowana Mari Yako Yakasiyana
Iwe unayo mari muwedzera kune Social Security? Zvimwe zvinyorwa zvemari zvinogona kuratidzika pamutero wako wekubhadhara zvinosanganisira zvinhu zvakadai se:
- Mipiro (mari kana mari yekuita basa)
- Kubhadhara mari kubva muzvibereko, zvikamu uye mari inowanikwa
- Pension kana annuity revenue
- IRA / 401 (k) / 403 (b) inodzinga
- Kukodzera nzvimbo yekuwana mari
Social Security inotsanangura yako "yakabatanidzwa mari" sekuwanda kwemari yako yakagadziriswa yakawandisa pamwe neusingaitikwi kufarira, pamwe nehafu yenguva yako ye Social Social benefits. Roth IRA vanozvibvisa havatauri semari yakabatanidzwa, asi hurumende inofarira rubatsiro haina. Mari yako yakabatanidzwa inofananidzwa nechepamusoro yezvikumbaridzo mutafura iri pasi apa.
| Chokutanga Threshold ($) | Second Threshold ($) | |
|---|---|---|
| Single filers | 25,000 | 34,000 |
| Vakaroora mafirimu | 32,000 | 44,000 |
Kana mari yako yakabatanidzwa isingasviki $ 25,000 pamatafura asina kukwana kana pasi pe $ 34,000 kune vakaroorana vakaroorana, zvino Social Your Security yako haingabhadharwi gore iroro.
Kana mari yako yakabatanidzwa inodarika chiyero chekutanga chechikumbaridzo, ipapo imwe nzira yakaoma inoshandiswa kutsanangura chikamu chipi chezvaunobatsira chichabhadhara (kusvika kusvika kuma85%).
Ivhara Mari Yako Yakakonzerwa muIr Social Social Worksheet
Kana mari yako yakabatanidzwa inodarika chikumbaridzo, iyo IRS inoshandiswa inoshandiswa kuti uone kuti mari yako yakawanda inotengesa sei. Chigumisiro chezviyero izvi ndeyekuti iwe unobhadhara mitero pazasi:
- 85% yako ye Social Social benefits
- 50% yezvipo pamwe ne 85% yehuwandu hwemari inobatanidzwa pane yechipiri chikamu chemari
- 50% yehuwandu hwemari inobatanidzwa pamutengo wekutanga, pamwe ne 35% yehuwandu hwemari inosanganiswa pamusoro pechipiri chikwande
Iwe unogona kushanda kuburikidza nenhamba iwe pachako uchishandisa IRS Kuona Yekubhadhara Kwaunobhadhara mazano ebasa rako . Iwe unogonawo kushandisa shanduro yekusununguka iri paIndaneti inonzi How Much of My Social Security Benefits Ingava Taxed kuti iuye nehuwandu hwekufungidzira kwedhora rekubatsira raizoda kupinda mubhokisi 20b (iyo inotengesa mari yebhokisi) pamutero wako 1040 fomu.
Social Security Taxation kune vakaroorana
Ngatitarisei muenzaniso kune vakaroorana, vose vane makore makumi matanhatu nematanhatu, avo vakaroora uye vanyorera pamwe chete. Imwe inounganidza kugadzirisa Social Security rubatsiro . Vose vari kumirira kusvika makore makumi manomwe kuti vataure kuti kubhadhara mari yavo yakazara inobhadharwa zvokuti vanogona kuwana zvakanyanya. Pavanonoka, vari kutora IRA huru.
Heino mufananidzo wezvavanowana.
- $ 10 000 yakazara yeHuman Security yakapiwa
- $ 50,000 IRA kubviswa
Kubva pane nhamba yechitanhatu chimwe pamusoro peizvi inoita mari yavo yakabatanidzwa $ 55,000 (iyo inopfuura yepamusoro yepamusoro yemari yevakaroora). Kushandisa rusununguko rwe Social Social Taxation calculator muchitsauko chepiri pamusoro apa, 85% eHocial Security ichabhadharwa, kana $ 8,500 iyo ichave iyo inowanikwa kubhokisi 20b. Havana kutora zvitsva asi zvinoshandisa kushandisa kubhadhara zvakakwana uye kusunungurwa.
- Mari yavo yakagadziridzwa yakawanda (AGI) i $ 58,500
- Mari inotengesa mutero i $ 35,400
- Zvose mari inokonzerwa ne $ 4,388
- Mushure mekubhadhara mari yemutero inoshandiswa kushandisa = $ 55,612
Iye zvino ngationei uyu mumwe murume nemudzimai makore matatu gare gare. Vose vari nemakore makumi manomwe nemakumi manomwe uye vachigamuchira yavo yeHindu Security yakakwana. Heino mufananidzo wezvavanowana.
- $ 40,000 zvakanyanya zvakachengetedzwa zveHuman Security
- $ 20,000 IRA kubviswa
Mari yavo yakabatanidzwa ndeye $ 40,000 (iyo iri pakati pemirairo yakawanda yevakaroorana). Kushandisa rusununguko rusununguko rweSocial Security calculator, 10% yeSocial Security yavo ichabhadharwa, kana $ 4,000 kuti ipe kubhokisi 20b. Havana kutora zvitsva asi zvinoshandisa kushandisa kubhadhara zvakakwana uye kusunungurwa.
- VAGI yavo ine $ 24,000
- Mari inotengesa mutero i $ 900
- Zvose mari inokonzerwa ne $ 90
- Pashure pemari yemutero inowanikwa kushandisa = $ 59,910
Mumakore maviri aya vaviri vari vaviri vane $ 60,000 yemari yakawanda. Zvisinei, mushure mekunge vose vari makumi manomwe, nokuti chikamu chikuru chemari yavo inobva kuSocial Security mutero wavo wemitero inoderera, uye iye zvino vane mari yakawanda yekushandisa. Nokuda kweiyo mitezo yemitero, vaviri vari mu15% bracket vanogona kuwana kuti vanobhadhara mutero pamwero wakakwirira.
Smart Idea - Kushandisa Mutero Kururamisa Kubatsira Kwako
Kusvika ku 85% yehutano hwehupfumi hwehupfumi hwakagamuchirwa inogona kubhadharwa, asi haisi ye 100%. Zvinoreva kuti mushure mekuteresa, dhora reHuman Security Security rinokodzera kudarika dhora reIRA rinodzinga.
Kana iwe ukaronga chirongwa chemari yekubvisa mari chinoshandiswa pamutero uyu wekubhadhara mutero, inogona kuita kusiyana kukuru pamusoro pemakore ekurega basa. Iwe unogona kubhadhara zvishoma mumutero, uye une zvakawanda zvokushandisa.
Pane nzira dzakawanda dzaungaita kuronga kuderedza mitero paunotanga kubvisa mari. Nzira yakakurumbira ndeyekutadzisa kutanga kwehupfumi hwehupfumi hwako kusvika makore makumi manomwe paunotora IRA kurega kana kushandura Roth kutendeuka mumakore ekuma 60. Icho hachisi chakanakisisa kune vose, asi kumhuri dzakawanda, nzira iyi inobhadhara mitero shoma shoma pamakore ekurega basa.
Zvakawanda zvekugadzirisa uku zvine chokuita nemamwe mashandiro ekuwana mari anogadzirisa sei zvakawanda zvehutano hwehupfumi huchakweretwa. Nokuronga nguva yezvimwe zviwanikwa zvemari, vazhinji vanogona kuderedza mutero wavo wemutero.