The Basics
Imwe mitero yekusimwa kwemutengo ndeye 3.8 muzana yepastax pane chikamu chekugadziriswa kwemari yakawanda yakagadziriswa pane zvimwe zvikumbaridzo: $ 200,000 kana usina kuroorwa, $ 250,000 kana iwe wakaroorwa kuisa pamwe chete kana $ 125,000 kana iwe wakaroorana uchiisa zvakasiyana.
Izvo zviyero hazvikwanisi kuongororwa zvekuwedzera, izvo zvinoreva kuti havazowedzere kunze kwekuti Congress ichishandure ivo kuburikidza nemitemo mitsva.
Asi pane kubata, uye inogona kushanda iwe. Kana mari yako yekutsvaga mari iri pasi pechikamu cheM MAGI pamusoro pezviyero izvi, iwe unobhadhara 3.8 muzana yeizvi pane.
Uye hongu, "surtax" inoreva kuti yakawedzerwa, pamusoro pemutero wako wemutero. Izvo zvinopfuura pamusoro pezvawakabhadhara muMedarere kuburikidza nekudzivirira kubva pamari yako yaunowana kana kuti inofungidzirwa kubhadhara mutero. Asi iwe uri kungozviisa pasi payo kana iwe une mari yekutsvaga mari uye MAGI yako inodarika miviri iyi.
Historical Background
Nzira yemari yekutsvaga mari yemitero yakagadziriswa sechikamu cheMutano weZvire uye Dzidzo Reconciliation Act ra2012, iyo, pamwe chete neAne Affordable Care Act, yakashandura maranho ekuchengetwa kwehutano kuburikidza nekuti vanhu vawane inshuwarheni yehutano kana kubhadhara chirango chemutero.
Iyi mutero yakabatanidzwa semudzidzisi wemari mumutemo iwoyo. Iyo Joint Committee yeMitero inofungidzira kuti pamwe chete neAdding Medicare Tax , iyo inowanikwa mumatare emari yemari inobhadhara mari yakawedzera $ 20.5 mabhiriyoni mumutero wemari mugore ra2013, gore rokutanga kubhadhara kwaizove kushanda.
Iro Joint Committee yemutero inofungidzira izvi zvinyorwa zvinokonzera $ 210.2 mabhiriyoni mumitero yemitero pamusoro pemakore gumi kubva muna 2019 kusvika 2019.
Kuenzanisa Net Investment Revenue Income kune Vose
Heino nzira yekufungidzira kuti uchabhadhara zvakadini, kana chimwe chinhu. Chokutanga, kuverenga MAGI yako. Tanga nemari yako yakagadziriswa yakawanda, inowanikwa mumutsara 37 weFomu yako 1040. Zvino wedzera zvimwe zvekubvisa kwawakatora kuti uuye pane iyi, kusanganisira:
- Chikwereti chechikwereti chevadzidzi, chikoro chekudzidzira mari, uye chikoro chekubhadhara mari
- Kubviswa kwehafu yengoro yako yekushanda
- Mipiro yeIRA
- Mutero Wekuchengetedzwa Kwekuchengetedzwa Kwevanhu
- Kukodzwa kurasikirwa
- Kurasikirwa kwechimbichimbi kana kusawana mari
- Kubvuma kubhadhara mari yekuregererwa
- Simba rekuchengetedza reUS rekuregererwa
- Kurasikirwa nekutengeserana kwepamberi
Iyi ndiyo yako yakashandurwa yakachinjwa mari yakawanda. Iye zvino chienzanise nemari yako yekutsvaga mari yegore. Izvi zvinosanganisira zvawakagamuchira kubva kumarima yakafanana nematokisi, zvisungo, mutengo wemari, annuities, mvumo, mari yekubhadhara, uye kufarira kune zvikwereti zvaungadai wakawedzera kune vamwe.
Inosanganisirawo mari yakawanikwa kubva mune zvebhizimisi kana bhizinesi iyo inopesana nemari, mari kubva kubhizinesi rebhizimisi zvigadzirwa zvemari kana zvigadzirwa, uye mari yakawanda inowanikwa kunze kwekuwana pfuma inobatwa mune zvebhizimisi kana bhizinesi.
Iwe unogona kubvisa mari yako kubva kune yose - mari yawakaita kuti uchengetedze zvikwereti izvi, zvakadai sekubhadhara mari uye mari yekugadzirira mitero. Zvimwe kuderedzwa zvinogona kuderedza mari yekutsvaga mari inosanganisira:
- Zvinyorwa zvakabatanidzwa pakubudisa mari yekubhadhara uye mari yemhuri
- Zvinyorwa zvine chokuita nekubudisa mari yebhizimisi
- Chirango pamusana pokutanga kubvisa mari
- Investment interest interest
- Kusiyana kwekutsvaga mari inoshandiswa
- Chikamu chemutero wemari yehurumende inobatanidza nemari yekutsvaga mari
- Kusuruvara uye kurasikirwa kwezvinhu zvakabatana neimba yakatengeswa kana kuraswa.
Zvimwe zvezvikwereti izvi zvatove zvakabatanidzwa mumatare emari ekutsvaga mari. Kubhadhara mari , mari yemari , mari yebhizimisi uye mari yakawanda inowanikwa mari inenge yatova mari yakawanda yekuwana mari mushure mokubviswa kana kurasikirwa kwatorwa.
Zvimwe kuderedzwa, zvisinei, hazvina kubatanidza mune izvi zvikwereti, saka dzinofanira kuderedzwa pamari yekusimwa kuti uwane mari yekutsvaga mari. Izvi zvakakonzerwa zvakasiyana zvinosanganisira chirango chekutanga kubviswa kwekuchengetedza, kudiwa kwekutsvaga mari, kubhadhara mari, kubhadhara mari yehurumende inobhadharwa kune mari yekutsvaga mari, uye kuurawa uye kurasikirwa kwehupfumi hune chokuita nehupfumi hwemari.
Vateresi vanoisa mari mumakambani anotarisirwa kunze kune dzimwe nyika uye makambani ekutsvaga mari kune dzimwe nyika vangada kuchinja zvakare kumari yavo yakawanda yakagadziriswa. Kana iwe ukawana chero mupiro kubva kune aya mabhuku uye MAGI yako inodarika chikumbaridzo chemufambiro wako wekutsvaga, iwe ungada kuonana nemudzidzisi wemitero kuti uone kuti unowana kuverenga kwako zvakarurama.
Nzira yemari yekutsvaga mutero inokonzerwa nechepasi pemari yako yekutsvaga mari kana chikamu che MAGI chako chinodarika chikumbaridzo: $ 200,000, $ 250,000 kana $ 125,000. Wedzera nhamba iyoyo ne 3.8 muzana.
Ndiani ari pasi peNet Investment Income Tax
Inoteresi yekusimwa kwemari inogadziriswa kune nzvimbo uye matariro pamwe chete nevanhu. Kune vanhu, inoshanda kune vemuUnited States uye vatorwa vanogara. Hazvirevi kune vasiri vemueni vasiri kunze kunze kwekuti munhu anosarudza kuitirwa saiye anogara kuUnited States nokuda kwezvinangwa zvemitero.
Imwe mitero yekusimwa kwemari inoshandiswa inoshanda kune zvivako uye mavimbi apo nzvimbo kana kuti chivimbo chechigadziriswa mari yakawandisa yegore inodarika dhora rekuda iyo iyo yakanyanya kubhadhara mutero.
Apo Mutero Wemitero Unoenda
Zita rehurumende yemutero wekutsvaga kwekutsvaga kwekutsvaga ndeye "Unarned Revenue Medicare Contribution Tax." Izvi zvinoratidza kuti mitero inoshandiswa inoshandiswa kubhadhara Medicare, asi mari inokwidzwa nemutero uyu chaizvo inopinda muZimbabwe General Fund. Mukupfupisa kwavo kweMedicare surtax itsva, Joint Committee on Taxation inotaura kuti "hapana urongwa huripo hwekutsvaga mutero wakagadzirirwa nehuwandu hweGeneral Fund yeUnited States Treasury kune chero Trust Trust."
Mukutangira kwayo kumitemo, IRS yakati, "Zvikwereti zvinounganidzwa pasi pechitsauko 1411 hazvina kusarudzwa kuRedare Trust Fund." Inyo yekusimwa kwemutero, iyo iyo inoshandiswa ne IRS pane fomu yemutero 8960, iri zita rakanaka kune iri mutero.