Mupiro Mitsara ye 2016 ne 2017 uye Nzira yeChese-Out Works
Dharirai yeDorami yeMipiro kuneAvidual Retirement Account
Iwe unogona kugovera kune rimwe tsika yeIRA, Roth IRA kana zvose.
Mipiro yako yegore negore yemadzinza kana Roth IRAs haikwanise kudarika zvishoma zvekuwana mari yako yegore kana yegore rose remakore.
| IRA Contribution Limitengo | ||
| Gore | 2016 | 2017 |
| Maximum Regular Contribution | $ 5,500 | $ 5,500 |
| Maximum Catch-Up Contribution | $ 1,000 | $ 1,000 |
| Zvose zvipo mupiro | $ 6,500 | $ 6,500 |
| Mipiro inokonzerwa | April 18, 2017 | April 17, 2018 |
| Kunobva: | IR-2015-118 | IRS |
Contribution Requirements
Mipiro yenguva dzose inogona kuitwa nemumwe munhu ari pasi pezera remakore makumi manomwe nemashanu kubva muzana kana akawana mari. Mipiro yekusvitsa inogona kuitwa nevanhu vane makore makumi mashanu kana kupfuura nekuwana mari yakawanikwa. Roth IRAs haina mireho yezera.
Nokuti IRA zvinangwa chete, zvakagamuchira mari inosanganisira mibairo yakataurwa pamusoro pe W-2, mari inobhadhara basa kubva kubhizimisi kana purazi, uye alimony .
IRS inotsanangura:
"Kuti upe rubatsiro kune tsika yeIRA, unofanira kunge uri pasi pezera remakore makumi manomwe nemakumi manomwe ekupera kwemwedzi wemutero. Iwe, uye / kana wako kana iwe wako kana ukaisa kubatanidza kudzoka, inofanirwa kubhadhara mitero, yakadai semaripo, miripo, mishandira, mazano , mabhonasi, kana mari yakawanikwa kubva kubasa ravo pachavo. Kutengesa alimony uye zvakasiyana-siyana kuchengetedza zvakagamuchirwa nemunhu zvinotarisirwa semaripo yezvinangwa zveIRA. "
Nhepfenyuro dzekupa zvipo
Iwe unogona kugovera mari kune yako tsika kana Roth IRA panguva ipi zvayo panguva yegore remwedzi, uye iwe unogonawo kupa mipiro kune IRA nekutanga kwekupedzisira kwemutero wako wekubhadhara, usingaverenge zvinyorwa zvese zvaungatora . Mipiro yeIRA yemutero gore ra2016 yaifanira kuitwa musi waApril 18, 2017, uye mari yeIRA yemutero wegore ra2017 inokonzerwa musi waApril 17, 2018.
Mutero unotarisirwa unowedzera mumakore ose maviri nokuti April 15 inowanikwa pamagumo evhiki anoteverwa nerimwe kana mamwe mazororo.
Kwatinofanira Kuda Kubhadhara Imitero
Nyora yako mari inobhadhara mutero weIRA zvakananga papeji yekutanga yeFomu 1040 kana Fomu 1040A. Iwe haufaniri kuti itemize kuti utaure kubviswa uku. Iko kugadziriswa kune mari, kuitira kuti iwe unogona kuitora mukuwedzera kune itemizing kana kutora mutengo wakakwana wehuwandu hwekutsvaga kwako.
IRA Deduction Inogona Kupedza Kana Yakabviswa Kubva pamari Inowanikwa
Mipiro kumadzitateguru eIRA anogona kubviswa zvakakwana, zvishoma zvacho zvakabviswa kana kuti zvachose zvisingagadziriswa zvichienderana nokuti iwe uye / kana kuti wako kana mukadzi wako zvakapiwa chirongwa chokubvisa basa kuburikidza nemushandi wako. Kana mubhadhari akafukidzwa nepurogiramu yekubatira pabasa kubasa rake, mari yake inotarisa kuti kubhadhara kwake IRA hakungagari. Zvirongwa zvekushandira kumabasa zvinosanganisira 401 (k) zvirongwa, 403 (b) zvirongwa uye pensions.
Shandisa shanduko yakashandurwa yakawandisa yemari yekuenzanisa kuti uwane mari kune chinangwa chekufungidzira kuti mari yakawanda inogona kuderedzwa sei pamigiro yemitambo yeIRA. IRS inotsanangura nzira iyi nenzira iyi:
Kugadziriswa kwakagadziridzwa mari yakawanda yakagadziriswa mari yakawanda (AGI) yakatarwa kunze kwekuderedzwa kweIRA, mushure mekunge ichisanganisira chero ipi zvayo inobhadhara Social Security inobatsira, mushure mekushandisa kushandiswa kwemaitiro ekurasikirwa kwemabasa ekubhadhara mari, uye zvinotevera kugadziriswa:
+ Kusava nechisungo chekuchengetedza chido
+ Kubvuma kubatsirwa kunobviswa pane mari
+ Kubviswa kwezvinhu zvekuita mabasa emhuri
+ Kubviswa kwechikwereti chaibhadharwa nevana vechikwereti
+ Kurasirwa kwechikoro uye mari
+ Kutorwa kune dzimwe nyika kune mari, kubvisa kusagadzikana uye kubviswa kweimba.
Shandisa Purogiramu Yebasa 1-1 Mukudhinda 590-A, Mipiro Yokugadziriswa Kwemamwe Chete , inowanikwa pdf format paIndaneti ye IRS, kuverenga AGI yako yakashandurwa.
Iwe unogona kuona kana kubhadhara kweIRA yako kunogona kukwana kuburikidza uchishandisa ma chati pasi apa mushure mekunge maziva kuti maGAR akachinja.
| 2016 Kukanganisa kweKutsvaira kweIrasi dzeChechi kana Akafukidzwa neChirongwa cheRubatsiro Pabasa | ||
| Kudhinda | Yakashandurwa AGI | |
| Mamiriro ezvinhu | kubva | to |
| Single | $ 61,000 | $ 71,000 |
| Musoro weMhuri | 61,000 | 71,000 |
| Kufanirwa Chirikadzi / er | 98,000 | 118,000 |
| Vakaroorwa Vanowirirana Zvisizvo uye vakaroorana havagari kurarama gore rose | -0- | Zviuru gumi |
| Vakaroorana Vanowedzera Zvimwe uye vakaroorana vanogara vari voga gore rose | 61,000 | 71,000 |
| Vakaroorana Vanowedzera Jointly : kune mumwe wako uyo akafukidzwa nepurogiramu yekubvisa basa | 98,000 | 118,000 |
| Vakaroorana Vanowedzera Jointly : kumudzimai asina kuvharwa neurongwa hwekurega basa uye mumwe mudzimai anenge akavharwa | 183,000 | 193,000 |
| Iko yako yakashandurwa AGI zvishoma pane "kubva" inowanikwa here? | Pakati pezviyero izvi? | Kupfuura "ku" kuwanda? |
| ↓ | ↓ | ↓ |
| kuderedza zvakakwana | kusarurwa zvishoma | hapana kubviswa |
| 2017 Kukwaniswa kwekutsvaga kweIras dzeMutambo kana Akafukidzwa neChirongwa cheRubatsiro Pabasa | ||
| Kudhinda | Yakashandurwa AGI | |
| Mamiriro ezvinhu | kubva | to |
| Single | $ 62,000 | $ 72,000 |
| Musoro weMhuri | 62,000 | 72,000 |
| Kufanirwa Chirikadzi / er | 99,000 | 119,000 |
| Vakaroorwa Vanowirirana Zvisizvo uye vakaroorana havagari kurarama gore rose | -0- | Zviuru gumi |
| Vakaroorana Vanowedzera Zvimwe uye vakaroorana vanogara vari voga gore rose | 62,000 | 72,000 |
| Vakaroorana Vanowedzera Jointly : kune mumwe wako uyo akafukidzwa nepurogiramu yekubvisa basa | 99,000 | 119,000 |
| Vakaroorana Vanowedzera Jointly : kumudzimai asina kuvharwa neurongwa hwekurega basa uye mumwe mudzimai anenge akavharwa | 184,000 | 194,000 |
| Iko yako yakashandurwa AGI zvishoma pane "kubva" inowanikwa here? | Pakati pezviyero izvi? | Kupfuura "ku" kuwanda? |
| ↓ | ↓ | ↓ |
| kuderedza zvakakwana | kusarurwa zvishoma | hapana kubviswa |
Kubhadhara Mutero Mazano
- Ratidza kuti kana kugovera kune rimwe tsika yeIRA ichabviswa zvakakwana, zvishoma zvacho zvabviswa kana kuti zvisingagoneki.
- Kana imwe yemugove wako weIRA usina kuwanikwa, funga kugovera chikamu ichocho chakakonzerwa kune imwe tsika yeIRA uye chikamu chisina kubviswa kubva kuna Roth IRA kana iwe uchikodzera.
- Kana yose yako yemaitiro yeIRA isingabhadharwi, iwe ungada kugovera kuRoth IRA pane kudaro.
- Kana iwe usingakodzeri Roth IRA zvimwe, funga kana kupa mari inoshandiswa kune imwe tsika yeIRA inonzwisisika pamamiriro ako. Nondeductible IRAs ichiri kupa zvipo zvekusabhadhara mitero yemupiro wepakutanga uye kugoverwa kwemutero kwekuwana. Mune mamwe mamiriro ezvinhu, nondeductible IRAs inogona kuiswa pamusana pemutero-pasina Roth IRA.