Vaya Vanopihwa Mutero Vanogona Kuderedza Mitero Yenyu Paunenge Wachengetedza Kuti Urege Kurega
Chikwereti chikamu chekuchengetedza, kubva pa10 kusvika ku50%. Chikwereti chinoenderanawo nemari yako yose uye nzvimbo yekunyora.
Kufanirwa kweKubhadhara Savings Tax Credit
Iwe unokodzera weSaver's Credit kana
- Iwe unosangana nenzira yekuwana mari,
- Iwe wakapa mari kune chirongwa chokubatira,
- Iwe hausi mudzidzi wenguva yakazara,
- Iwe uri nemakore 18 kana kupfuura,
- Iwe hauna kutaurirwa semunhu anovimba naye.
Zvikamu Zvokuwana
Muchengeti weChipupuriro unogadziriswa nemari yakagadziriswa yemunhu. Miganhu yekuwana yegore ra2015 yekwereti yemudzikinuri inobva pahuwandu hwekunyora kwako:
- $ 30,500 kana kuti vashoma kune vasina kuroorwa, vakaroorana vachisvitsa zvakasiyana, uye chirikadzi inokodzera (er).
- $ 45,750 kumusoro weimba.
- $ 61,000 nokuda kwekuroorana nekunyora pamwe chete.
Dollar Nhamba yeSaver's Credit
Mutero wechikwereti unotarirwa zvichienderana nechikamu chezvipo zvako zvekurega basa. Izvo zvikwereti zvinokwana $ 2,000 pamatafura asina kuroora uye $ 4,000 yezvipfeko zvewanano. Iko muzana inotarirwa nemari yako yakagadziriswa mari yakawanda uye nzvimbo yako yekutsvaga.
Iko muzana yemipiro yaunowana semutero wekwereti ndeye 10%, 20%, kana 50%, zvichienderana nekugadzirisa mari yako yakawanda. Chati ine chikwereti chikwereti chikamu chinowanikwa papeji 2 yeFomu 8880.
Iwe unogona kugovera kune chero rudzi rwemhando yehupfumi, yakadai se 401 (k) chirongwa , tsika yeIRA , Roth IRA , SEP-IRA, SIMPLE IRA , Hurumende yeTrift Savings Plan, kana 403 (b) zvirongwa .
Funga nezveRoth IRA kana Iwe Unofanirwa
Kana iwe ukafanirwa kuRetirement Savings Tax Credit, funga kugovera kune Roth IRA.
NeRoth, zvipo zvako zvinowedzera kukura kwemitero uye iwe haufaniri kuisa maRoth kugovera mumari yako inotengesa paunotora basa. A Roth pamwe nechikwereti chemuponesi ndechekusanganiswa kwemitero.
Kutaura kuti Saver's Credit
Kuti utaure chikwereti, iwe uchada kuzadza Fomu 8880 (PDF) uye uiinyore kuFomu 1040A kana 1040 yako.