Ko Mutemo Wemitero Idzva Ichachinja Yose Mhuri Dzakakodzana Here?
Saka chii chiri mumutero wekupedzisira wemutero uye zvinorevei iwe nemhuri yako? Takaputsa mitemo yekupedzisira kuti ikubatsire kuronga kuburikidza nayo yose.
Pamusoro pevaya mabheji emitero uye zvakadzingwa zvitsvene
Mhedzisiro yakaderedzwa yakawedzera zvakanyanya sezvakavimbiswa pakutanga, kubva pa $ 6 500 kusvika ku $ 12,000 kune imwe chete yeferesi; kubva pa $ 9,550 kusvika ku $ 18,000 pamusoro wezvinyorwa zvemhuri; uye kubva ku $ 13,000 kusvika ku $ 24,000 kune vakaroorana vakaroorana vanowedzera kubatanidzwa. Iwe unogona kutarisira kunakidza kaviri kuwanda kwemari yako yaunowana iyo inotorwa kubhodi uye haisi pasi pemitero muna 2018.
Shanduro yepakutanga yemutemo yakatsvaga kubvisa musoro unobatsira wekuisa mamiriro ezvinhu epamba , asi izvo zvakagadziriswa hazvina kuzviita mubhadharo rekupedzisira rakagamuchirwa. Musoro wemamiriro ezvinhu epamba anorarama.
Iwe unogona kuyeuka kuti veRepublican pakutanga pakutanga vaida kubvisa pasi mabheji manomwe aripo aripo chete, asi izvozvo hazvina kuguma zvichiitika.
Iko kuchine mabheji manomwe, asi mutero wehuwandu hwemitengo huri kuchinja uye bracket imwe zvino inogamuchira zvishoma zvishoma. Kana iwe wakagamuchira $ 35,000 pasi pemutero wekare wakatarwa, iwe ungadai wakawira mu-15% yebhasikiti yebhasi. Izvozvo zvinodonha kusvika 12 muzana nemutemo mutsva. Kana ukawana $ 75,000, ungadai wakabhadhara 25 muzana; ikozvino iri pasi kusvika 22 muzana.
Pa $ 100,000, iwe ungadai wakabhadhara 28 muzana mumitero, uye iko zvino yava kuderera kusvika 24 muzana. Bhatikiti yemitero yevakakosha zvikuru, avo vane mari inopfuura madhora 426 700, vaiva 39.6 muzana muna 2017. Inodonha kusvika 37 muzana pasi pemutemo mutsva.
Saka Ndivanaani Vanobatsirwa neGOP Mutero Wemafisi?
Ndiani pakati pedu achabatsirwa zvikuru kubva pane izvi zvose? Tax Policy Centre yakaratidza kuti Mutero Wemitero uye Jobs Act ichaderedza mitero "pamwero wega" kune vose mapoka emari, uye Tax Foundation yataura chinhu chimwe chete.
Izwi guru pano ndi "muvhareji." Vamwe vateresi vanogona kutora zvishoma zvishoma apo vamwe vanozobudirira zviri nani. Zvakakosha kuchengeta mupfungwa kuti mabhikiti emitero uye kutengesa zvikamu. Mubhadhara anowana $ 100 000 uye anoona 4-muzana kuderedzwa mumutero wake unobhadhara mutero waizotora huwandu hwemadhora nemadhora akawanda mushure mekubhadhara mutero kudarika mubhadhari wemubhadhari wakaderera anowana $ 10 000 pagore uye achiona iyochete 4- kupera kwemazana. Zvechokwadi, Tax Policy Center inotaura kuti mhuri dzepasi shoma hazvizooni zvakasiyana-siyana zvachose apo zvikamu zvakakwana zvebhadharo yemutero zvinotorwa.
Pano, ikozvino, pfupiso yepamusoro yekuti vateresi vakawanda muboka rimwe nerimwe rekuwana vachachengetedza sei pasi pebhadharo.
Kana Iwe uri Muchengeti Wechiri-Mubereko
Tax Policy Center inoratidza kuti kana iwe uchiwana mari shoma kudarika $ 25,000 pagore, uchaona nezve 4 muzana kuwedzerwa kwemutero wako wekutevera, pane imwe nzvimbo munharaunda ye $ 60 gore negore kuvanhu vazhinji. Usapedza zvose izvi mune imwe nzvimbo.
Kana Wako Ive Pakati-Kuwana Imba Musha
Iwe uchaona imwe $ 930 pagore kana zvakadaro mumutero mushure mekubhadhara kana iwe uchiwana pakati pe $ 49,000 ne $ 86,000, maererano neThe Tax Policy Center-kuwedzera kweanenge 2.9 muzana. Mutengo weHate Foundation ndeyezvishoma zvekare. Zvinoratidza kuti "pasi" 80 muzana yevana vokuAmerica vanowana mari, kusanganisira mari shoma uye vemhuri yakapfuma, vanoona kuwedzerwa kwemutero wemutero kune chero kupi zvako kubva pa8 kusvika ku7 muzana.
Kana Uri Mukuru Earner
Kana iwe uchiwana pakati pe $ 149,400 uye $ 308,000 pagore, Tax Policy Center inoti unofanira kuona mamwe $ 7 640 mune mushure mekubhadhara mutero paavhareji, musiyano we-1.6 muzana.
Izvo hazvisi chinhu chokuderedza, uye izvi zvinokwira kusvika ma1.4% kana iwe uchiwana mari inodarika $ 308,000-pane imwe nzvimbo munharaunda ye $ 13,480 mukuwedzera kwemutero wegore negore. Asi zvakare, Tax Foundation inonyanya kuchenjerera uye inoisa nhamba yacho pa 1.6 peresenti chete.
Kana Wakagara Wanyora Zvido zvako, Unogona Kurasikirwa
Iko itsva yemitero inoshandura kuchinja kune zvakasiyana-siyana zvakaderedzwa , uye izvi zvinotarisirwa kuti zvive nevanokanganisa vateresi avo vakambotaura kare pane kuti vati mutengo wakakwana wekutsvaga kwavo nzvimbo. Izvo zvakasarudzwa zvinyorwa zvingasara zvisingasviki kudarika kuregererwa kwemazuva ose iwe unofanirwa kuita, saka iwe unenge uri nani kubva kutora mubhadharo wakakwana iye zvino zvawedzerwa.
Asi pane flip-side, kunyange zvakadaro, vaya vanokwereta avo vanokonzerwa nemitengo yakawanda vanowanzopfuura mutsva wekutsvaga kwemazuva ose nekuda kwekutsvaga kwavo. Kana iwe ndiwe, iwe unenge uri pakati pevateresi vanonyatsokuvadzwa nemutemo uyu mutsva.
Kuti uone kana GOP Mutero Wemitero ungaita kuti iwe ubhadharwe zvakawanda mumitero, zvibvunze mibvunzo iyi:
Imba Yako Ndeyei Imari?
Iko kunotora chikwereti chinokonzerwa nekuderedzwa kwacho kunowanikwa pamitengo yekutengesa mari ye $ 750,000 panzvimbo ye $ 1 mamiriyoni. Kunze kwekuti iwe une imba inodhura, izvi hazvifaniri kukukanganisa. Vavhareji chikwereti chekutora chikwereti chaingova chakatarira kuchamhembe kwe $ 196,000 muna 2016, maererano naVevatan. Pane nzvimbo yakawanda yekamuri pakati peiyo uye itsva.
Imwe shanduko ndeyekuti iwe unokwanisa ikozvino kungotora chikwereti pane chikwereti chakachengetedzwa neimba yako yepamusoro, kwete imba yezororo iwe unogona kuchengeta mumamiriro ekudziya.
Izvi zviri pachena kuti chimwe chezvinhu izvi zvinoshandura hupenyu hwevatengi vakawanda, asi pane kubata nekutorerwa kwechikwereti ichi chinogona kukanganisa mhuri dzepakati pekuwana pamwe chete ...
Uri Kurambidza Kufarira Pamutero Wemari?
Imba inotora chikwereti chekubhadhara mari inoshandiswa kubhadhara mari yekuwana chikwereti- zvikwereti zvinotorwa kunotenga kana kuvakira chikwereti-uye chikwereti chekuenzanisa , zvakadai apo paunenge uchigadzirisa uye uchitora mari kubva pamba yeimba yako yekushandisa pane zvimwe zvinhu, zvakadai semwana wako dzidzo yekoroji. Imwe mitero yemitero inopedza kubhadhara uku kwechikwereti chechikwereti, saka hauchazokwanisi kutora chikwereti chekubhadhara zvikwereti semutengo wokubvisa mutero.
Wakave Wakabvisa State neNharaunda Mitero?
Zvino pane nyaya yehurumende neyemunharaunda. Kuchinja kwekuderedzwa uku kwakagadziriswa kwakakonzera mhirizhonga pakati pevagari vehurumende uye vezvematongerwo enyika zvakafanana muvhiki dzinotungamirira kumugwaro wekupedzisira.
Pane imwe nguva, kuderedzwa kwemitero yenyika uye yomunharaunda yepamusoro kwakanga kuri pakubvongodza, asi hazviri izvo. Yakapukunyuka kubvisa ... Mhando ye. Nhamba yose yaunogona kuitora kune yese yehurumende neyemunharaunda , kusanganisira kutengesa, mari, uye mitero yemitengo, iko zvino inosvika $ 10 000. Izvi zvichange zvisinganyatsovhiringidzi nhepfenyuro yevateresi vanogara muhurumende vane pfuma yakawanda uye mitero yemari, seNew Jersey neNew York. Kana iwe wakanga uchibhadhara (uye uchideredza) mari inopfuura $ 10 000 pagore muhurumende nemutero wemunharaunda, unogona kuguma pamagumo asina kunaka emutemo.
Iwe Une Mari Yakawanda Yezvokurapa Here?
Kubviswa kwezvinyorwa zvekurapa kwekurapa kunovandudza pasi pemutemo mutsva. Izvi zvakabhadharwa kunze kwekuvhara mari isina kuvharwa, kurasikirwa, kubhadharwa, uye mari yemishandirapuri isina kubhadharwa nemushandi wako. Kubva muna 2017, iwe wakanga uchinge uchitaura kubhadhara kwechikamu chezvinhu izvi zvinodarika zvinopfuura 10 kubva muzana yemari yako yakagadziriswa yakawanda-yakanaka kwazvo. Iko zvino yakaderedzwa kusvika ku7,5 muzana, saka iwe unogona kukwanisa kuveura zvishoma kubva pamari yako inotengesa ikoko.
Mumwe seneneri, Susan Collins weMaine, akarwisana zvakanyanya kuoma kuchinja uku. Anotsanangurwa achitaura achiti vanhu vanenge 8,8 Mamiriyoni vanobvuma kubviswa uku, uye vazhinji vavo vanowana mari inopfuura madhora 50 000 pagore. Imba yepakutanga yeSvondo yemutemo yaida kubvisa zvachose kubhadhara mari yezvokurapa, asi Collins akakunda mukurwisana kwake kuti achengetedze uye akakwanisa kuwedzera.
Unobhadhara Here?
Kuchinja uku kunoratidzika sekusaruramisira kwakanyanya nokuti vakabhadhara vabhadhara havana kuitemi kuti vataure kubhadhara uku. Yakanga iri "pamusoro peiyo" kugadziriswa kune mari iri papeji 1 yeFomu 1040. Unogona kubvisa kubhadharwa kwemari inowanikwa kubva pamutero wako wekubhadhara ipapo, saka taura kuti kubhadhara mari yakakwana kana kuti itemize zvitsva zvako zvakare. Panguva iyi, wako wekare aifanira kutora kuti alimony semari inobhadharwa uye kubhadhara mitero pairi.
Kwete. Zvino iwe haufaniri kubhadhara yako yekare, asi iwe unofanirwa kubhadhara mitero pane iyo chikamu chemari yako, zvakare, pasi pemitemo yemutero mushure mutsva. Kana ari wekare wako, anowana kuunganidza mari yemutero-isina. Kana pane chero nyaya dzakanaka zvachose, ndechokuti kuchinja uku kuchashanda chete kurambana uye kurambana zvibvumirano zvakapedzerwa mushure meDecember 31, 2018. Saka kana imba yako iri pamatombo, ungada kubuda ikozvino.
Migumisiro Yeavo Vakarasikirwa Nemunhu Pamwe Pamhuri
Kuregererwa kwevanhu pachavo kwakaguma kwave kubviswa mukushandurwa kwekupedzisira kwebhadharo yemutero, sezvakange zvarongedzerwa mukutanga shanduro yemutemo, uye izvi zvingakunda mhuri huru zvakaoma. Kuregererwa kwomunhu oga dhora rinowedzera kuti vateresi vanogona kubvisa kubva pamitero yavo inobhadhara ivo pachavo uye kune mumwe nomumwe wavo vanovimba- $ 4050 pamunhu mumwe wegore ra20177.
Zvinoratidzirwa kuti vasina kubhadhara vateresi vasina vana vachave vachiri kubuda mberi zvishoma kunyange mushure mekushanduka uku. Mushure mezvose, vari kurashikirwa chete ne $ 4050 kusunungurwa kwavakakwanisa kuzvitsvakira ivo pachavo, izvo zvinopedzerwa neicho chakawedzerwa kuderedzwa.
Asi zvakadini kana iwe wakaroorana uye uine vana vatatu? Izvo zvikamu zvishanu zvekuregererwa kwaunogona kuitaura pamubatanidzwa wemutero unodzoka pasi pemutemo wekare wemitero-kubhadhara madhora makumi maviri nemakumi maviri nemakumi maviri kubva mune mari yaunowana kuti iwe unofanira kubhadhara mitero pasi pemutemo mutsva. Hazvigoneki kuti kuderedzwa kwemashoko ekuwedzera kunogona kukanganisa kurasikirwa kwakadaro nokuti izvo zvakabviswa zvinongowedzera ne $ 8,450 nokuda kwemisoro yeimba uye ne $ 11,000 kuvabereki vakaroorana vachiisa pamwe chete. Kurasikirwa kwekuregererwa kwevaya vanovimba navo vaizoisa musoro wezvinyorwa zvemumba mumumunda, uye kurasikirwa zvitatu zvaizoita tank vakaroora vabereki. Zvechokwadi, izvi zvingave zvakaenzana zvishoma nezvakashandiswa mabheji, asi zvisingaiti kuti mhuri huru dzichaguma dzichiuya mberi.
The Expanded Child Tax Credit
ICent in Budget uye Priorities Policy yave ichiratidza kuchinja kweChikoro Chekwereti chevana kubva pakutanga. Pamusoro pepanyika, kuchinja kunoratidza kuipa. Kwete, anodaro CBPP, zvichida kwete pamhuri yakaderera mari.
Iyi chikwereti chekwereti chagara chiri chinonyangadza kuverenga. Zvechokwadi, hazvina kubhadharwa saka zvese zvaigona kuita ndezvokubvisa chero mutero wechiri iwe waungadai uine chikwereti. Asi paiva ne-t-on-the Additional Child Tax Credit. Izvi zvinogona kubvumira chikamu chechikwereti kuti chidzorere zvakare, zvinoreva kuti mushure mokunge yakabvisa mitero yako yemutero, unogona kutarisira kugamuchira cheki kubva ku IRS kune chikamu chemari.
Chikamu chisingabhadharwi chekwereti yekare yemitero yaiva $ 1 000 pamwana. Imwe mitero yemitero inobata ichi kusvika ku $ 2 000 uye inosvika $ 1,400 yemari iyo inogona kubhadharwa painobvisa "zvekare" Zvimwe Chete Child Tax Credit. Sénata Mark Rubio weFlorida anozivikanwa achimanikidzira mari ye $ 1,400, asi CBPP inotaura kuti ichiri kukwanisa kupa chero rubatsiro kune mhuri dzevarombo dzeAmerica.
Sei? Nokuti chikamu chakadzorerwa chechikwereti chikamu 15 muzana chemubhadharo wemubhadhara kana wemhuri kudarika $ 3,000 kusvika pamadhora $ 1,400. Iwe unoona kuti izvi zviri kuitika: Tiri kudzokera kumapepanisi zvakare. Amai vasina kubhadhara $ 10 000 vane mari shoma pane mari ye $ 3,000 kupfuura iyo mhuri inowanikwa pakati-kati inowana $ 50,000. Ichokwadi, haana mari yakakwana yekukodzera chikwereti chakakwana che $ 1,400 chikwereti chekwereti.
Panguva iyi, mhuri dzinowanikwa mari yakashandiswa kusingakwanisi kutora mutero wechikwereti nokuti vakawana zvakawanda, asi bhiri idzva rinowedzera mitsara yekuwana kuitira kuti iye zvino vazhinji vanowana mari vachakwanisa kuishandisa.
Haisi Ikusingaperi
Aya ndiwo mashoma emitemo yakawanda yemitero inoshandura pasi pemutemo mutsva. Uye pane imwezve shanduko yakakura pakati pekutanga yebhadharo uye shanduro yekupedzisira iyo yakagamuchirwa neImba neSeneti: Mutero Wemitero uye Jobs Act haisi yekusingaperi.
Zvizhinji zvezvirongwa zvakarongerwa kupera kana "kuvira kwezuva" musi waDecember 31, 2025 kunze kwekunge Congress inopedza shirtsleeve yavo zvakare zvakare uye inovadzosa kana kuti zvimwe zvinokonzera mitsva yose yemitero panguva iyoyo. Tax Policy Center inonyevera kuti vanopfuura 10 kubva muzana veAmerica vanogona kutarisira mabhizimisi avo emitero kuti vauyezve shure kwegore ra2025 kunyange kana vakagamuchira rubatsiro rwemitero pakati penguva yakazara, vachifunga kuti zvigadziro zvinobvumirwa kuti zuva ridzike. Mutero Wemitero uye Jobs Act inotarisirwa kutengesa hurumende zvimwe $ 1.5 triliyoni mumari, uye izvi zviri pachena hazvigadziri kwenguva refu.
Saka simira pedyo uye gadzirira kugadzirisa nyaya iyi zvakare makore masere.