Iko Kugadziriswa Kwandinoita Kugadziriswa Mari Yakawanda (MAGI) Inobatsira Kutora?

Mudzidzi Wechikwereti Wechikwereti Wako Chikoro Unogona Kukanganisa Iwe Unogona Sei Kubvisa Pamitero Yako

Nguva kubva munaJanuary kusvika munaEpriMine dzimwe nguva inogona kuzadzwa nemari yepamusoro yakapoteredza zvinhu zvinobatanidzwa nekubhadhara kwekoroji. Vabereki uye vadzidzi vechikoro chesekondari vakapedzisa kutanga kweFaFSA vachienzanisa mabhizimisi avo ekubhadhara rubatsiro rwekubhadhara mabhizimisi kuti vatsanangure mari yezvokwadi yekuenda kune imwe koroji. Vadzidzi vekuChikoro vari kurwisana nezvinoitika zvekuedza kubhadhara chikwereti chemudzidzi wavo.

Uye munhu wese, zvechokwadi, ari kutambura nechido chekuzadzisa fesheni yavo yekubhadhara mutero inodzoka.

Pasinei nenyaya dzose dzisina kunaka dzakapoteredza nyaya yacho, chimwe chezvipo zvishoma zvechikwereti chemari yevadzidzi iwe unogona kutora chikwereti chawakabhadhara kubva kune federal mubhadharo wemari. Kune vakawanda vanokwereta izvi zvinomiririra kubhadhara mutero mukuru, asi kune vamwe vanokwereta, kunyanya avo vari vakakwirira vanowana mari, iyo inobatsira inogona kupera kubva pane chimwe chinhu chinozivikanwa seChinfied Adjusted Gross Income (MAGI).

Chii Chigadziriswa Chigadziriswa Mari Yakawanda?

Paunopedza federal yako yemutero wekubhadhara, mazwi maviri aunosangana nawo anogadziriswa Gross Revenue (AGI) uye Modified Adjusted Gross Revenue, kana MAGI. IAAG yako yako inowanzoverengwa nekuwana mari yako yemhuri nekugadzirisa zvimwe. Kubviswa kweitemized uye zvimwe zvikwereti zvisingatarisirwi.

Iko MAGI, kune rumwe rutivi, inoshandiswa neInternal Revenue Service kuti uone kana iwe hauna kukodzera kuwana zvimwe zvakabhadhara, zvikwereti zvemitero kana zvirongwa zvokurega basa.

Wako MAGI inotarwa nokutora AGI uye kuwedzera chero ipi zvayo yemitero-deductible iwe unogona kuva nayo.

Ndingakwanisa Kubhadhara Mari Yakawanda Sei?

Kana iwe ukabhadhara chikwereti kumudzidzi wako chikwereti mugore rakateresi yemutero, unogona kutora kusvika ku $ 2 500 muzvikwereti zvinowanikwa pasi pebhadharo rekubhadhara chikwereti chemudzidzi.

Iwe unogona kutora kubviswa uku sechigadziriswa kune mari, saka haufaniri kudikanwa kuti itemize zvido zvako. Izvi zvinokubatsira nokuti inoderedza mari yakawanda iyo hurumende ichabhadhara, kuchengetedza mari.

Chikwereti chechikwereti chevadzidzi chinotsanangurwa sekuda kwekubhadhara iwe mukati megore remutero uri mubvunzo pamusoro pekwereti yevadzidzi yakakodzera. Inosanganisira zvose zviri zviviri zvinodiwa uye nokuzvidira kutanga kubhadhara chikwereti chezvibereko. Kubviswa kwacho kunoderedzwa zvishoma nezvishoma uye pakupedzisira kubviswa apo mavandudzi ako akachinjwa (MAGI) mari inosvika kumuganhu wegore negore wehuwandu hwekutsvaga kwako.

Iwe unogona kungozvitsvaga kubhadhara kana zvose zvinotevera zvichishanda:

• Nzvimbo yako yekutsvaga haisi yewanano kuisa zvakasiyana.
• Yako MAGI yakaderera pane mari yakatarwa yakarongwa gore negore.
• Iwe kana wewakaroorana naye, kana kuisa pamwe chete, hazvirevi kutendwa sevaya vanovimba nemumwe munhu kudzoka.

MAGI neChikoro Chekubhadhara Chido Chido

Zvichienderana nezvikwereti zvako zvemutero, chikwereti chechikwereti chevadzidzi chinogona kukuchengetedza mazana emadhora. Iwe ungasave wakakodzerwa nehurukuro yakakwana yekubhadhara, zvisinei, zvichienderana neMAGI yako. Kana MAGI yako iri pasi pe $ 65,000, unokodzera kubhadhara zvizere zve $ 2,500. Kana MAGI yako iri pakati pe $ 65,000 uye $ 80,000, iwe unokodzera chikamu chimwe chete chekuderedzwa.

Kana MAGI yako iri kupfuura $ 80,000, haugoni kutora chikwereti chekubhadhara chikwereti chemudzidzi zvachose.

Kana MAGI yako yakanyanya kukwirira kuti iwe uwane chikwereti chekubhadhara chikwereti chemudzidzi asi iwe uchiri kutsvaga kuchengetedza mari, pane dzimwe nzira dzokuderedza chikwereti chako. Kana uine chikwereti chakanaka uye uronga kubhadhara zvikwereti zvako neurongwa hwekubhadhara huwandu pane pane chirongwa chekubhadhara chakawedzerwa, imwe sarudzo ndeyokugadzirisa chikwereti chako chemari chikwereti. Zvaunowana, chikwereti chekwereti uye basa zvinogona kuita kuti zvive zvako zvekugadzirisa, asi zvinogona kuderedza chikwereti chako chechibereko muhafu, nekukuchengetedza mari yakawanda pamusoro pehurefu hwekwereti yako. Zvichienderana nemamiriro ako ezvinhu uye paunosarudza kugadzirisa chikwereti chako, unogona kuchengetedza zviuru pamusoro pemashoko ekubhadhara kwako. Izvi zvinogona kuva zvakanyanya kudarika zvaunogona kuwana kuburikidza nemari yekubhadhara chikwereti chemudzidzi.

Iko mari yechikwereti inotora chikwereti chekubhadhara mari inogona kubatsira, kunyanya kune vachangobva kupedza kudzidza avo vangave vakashanda chikamu chegore uye vakatakura chikwereti chechikwereti chemudzidzi. Asi kune vashandi vakawanda, kubvisa mutero hakugoneki.