Nzira Yokunyatsoziva Nayo Kubvisa Kwaunofambisa Mitero Yemutero
Kuwana kubhadhara kukuru kungave kwakaipa sei? Nokuti zvinoreva kuti iwe wakapa IRS chikamu chikuru chezvikwereti zvako kupfuura zvaunofanirwa kuita, mari yaungadai wakashandisa pamatarenda, pamufaro, kana kuisa mune mari kana mari. Pane kudaro, IRS yakagadzirirwa pairi uye ikozvino ichiidzorera kwauri - pasina chido.
Kutsvaga mukana wakakodzera wekuregererwa kunogona kuva chinhu chinonyanyisa kuenzanisa, kunyanya kana iwe unotarisira kuchinja kukuru kune zvaunowana kana kuderedza. Aya mazano anogona kukubatsira kuti uite zvakanaka.
Kuregeredza Kubata Kwako Kunogona Kubhadhara Mutero
Kuverenga huwandu hwekudzivirira iyo "yakarurama" dzimwe nguva inogona kutora nguva yakawanda sekugadzirira mitero yako yekudzoka. Vanhu vazhinji vanofarira kutamba kwemasvomhu. Kune avo vanoda kuchengeta zvinhu sezviri nyore sezvinobvira, nzira inoreruka yekuita ndeyekuti vateresi vati "vasina" kana kuti "vakaroorana" pamwe chete nekuregererwa kwemari paFomu W-4.
Izvi zvinowanzokonzera kubhadhara mari, asi kune mamiriro ezvinhu umo kudai kubvisa chikwereti hakwanise kuvhara mitero yako yemitero. Izvi zvingava zvakadaro kana iwe uine mari yakawanda yekubhadhara mari kana kuti mutero mukuru wemitero nekuda kweshandisirwo inoshandiswa mutero .
Kuverenga Nekuchengetedza Zvimwe Zvakarurama
Imwe nzira yakarurama yekugadzirisa kubvisa kwako ndeyekugadzirira purojekiti yakatarwa yemutero wegore razvino.
Shandisa iyo yemafomu yemitero yawakashandisa gore rapera, asi shandisa mari yemitero yakatarwa . Verengai mari yako uye zvikwereti zvinoenderana nezvamunotarisira muna 2017 uye shandisa mari yegore ra2017 kuti uwane kuti mutero wako unenge uripo uchave uripi. Iye zvino shandisa neholding calculator yakawanikwa pawebsite ye IRS kuti uone kuti zvakataurwa kuti zvipi zvingave zvipi zvingave zviripo.
Ndeipi Inholding Allowance?
Kubvisa zvipo hazvirevi kune avo vanovimba chete kana kuregererwa kwega, kunyange zvazvo vakabatana. Chipo chekuregererwa ndiyo nzira yehurumende yako yemari yekushandisa kushandisa matafura anopiwa ne IRS kuti aone kuti mutero unorevei kubvisa kubva kune imwe neimwe yekubhadhara kwako. Chipo chekuregererwa chinomiririra wekutora mutero wako wose wakaparadzaniswa nehuwandu hwekuregererwa kwemari . Izvi zvinokonzera chiyero, uye chiyero chinokuudza kuti vangani vanorega zvipo zvamunofanira kuda.
Heino muenzaniso. Ngatiti Mary mubereki ari oga uye anokodzera kuva mukuru weimba . Ane mumwe anovimba naye . Ngatitii tifungisise kuti kubhadhara kwake kunosanganisira kuregererwa kwemazuva ose uye kuregererwa kwomunhu oga, imwe yega uye imwe yemwana wake. Izvo mathemoni kuti zvibvumirano zvake zvisingabatsiri zvingashanda zvakadai seizvi mugore regore ra2017:
- Kubviswa kwakakwana: 9,350
- Kuregererwa kwomunhu oga: 2 x 4,050 = 8 100
- Zvose zvakabhadhara mitero: 9,350 + 8,100 = 17450
- Kudzingwa kunopatsanurwa nemunhu mumwe chete kuregererwa kwemari: 17,400 / 4,050 = 4.308
Mumuenzaniso uyu, Maria aizotaura asina kuroorwa semamiriro ake ekunyora uye zvipo zvina zvisingabatsiri pahupenyu hwake hweW-4. Zvinokurudzirwa kuvhara pasi chiyero chekusava nemutero mutsva usina kuchengetwa kubva pamari yako, naizvozvo iye haazorevi mashanu. Maria aizotarisa bhokisi "risina kuroora" riri mumutsara wechitatu weFomu W-4 uye aizonyora "4" pamutsara 5 apo inokumbira "Nhamba yezvikwereti zvauri kuda."
Tsvaga Zvaungaita Zvitsva Zvako Zvikwereti Zvipi Zvaunobata Zvaunofunga Nezvemangwana
Iye zvino zvawafungidzira zvipo zvako zvisingabatsiri, unogona kushandisa nhamba iyi kuti uone kuti mutero unorevei uchava pamutengo wako unotevera. Itai mari yenyu yakangotaridzirwa neholdholding mubhadharo mubhadharo yekubhadhara.
Iva nechokwadi chekuti iwe uchangobva kubhadhara mari yakabhadhara kuitira kuti ugone kushandisa mari yako chaiyo yezviyero.
Kuverenga Kwose Kwako Kubhadhara Gore
Iye zvino tora iwe itsva yako yekuregeresa mari yekubhadhara nguva uye uwedzere izvi nehuwandu hwemari yekubhadhara yakasara mugore. Wedzera kuti mari yakawanda yemitero yakambove yakave yakachengetwa sei kusvika gore-kusvika-zuva. Iyi mari inomiririra inenge yakawanda sei mutero wehurumende huchadziviswa kubva pamari yako yegore. Iwe zvino unokwanisa kuenzanisa yako yose inoregererwa kutora mvumo yako yemitero. Kana iwe uchinge uine chikwereti chakakura kupfuura chikwereti chako chemitero, ndiyo iyo yakawanda yezvemari yekubhadhara mutero unogona kutarisira kugamuchira. Kana kuregererwa kwako kusingapfuuri mutero wako wemitero, iyi ndiyo mari yakawanda yemutero iwe unogona kubhadhara paunoshandisa mutero wako kudzoka.
Yeuka, zviyero izvi - kubvisa kwako uye kubhadhara mutero wako - zvakaenzana. Kana vasina kure zvakanyanya, iwe uri pedyo neunoda kuve. Kana kuverenga kwako kuratidza kuti iwe uchabhadhara IRS $ 500 muna April, zvibvunze kana iwe unogona nyore nyore kunyora cheki kune hurumende yemari iyo pamwe nekufarira zvishoma. Kana iwe usingagoni, ikozvino ndiyo nguva yekugadzirisa.
Kugadzirisa Kurambidza Kwako
Dzokera kumubhadharo wokubhadhara kuti ubatire nemari yako yekurega. Edza "usina kuroorwa" panzvimbo ye "wakaroorana," kana kuedza kuchinja zvikwereti zvisingabatsiri pane imwe nguva panguva. Somuenzaniso, kana ukashandisa usina-4 nguva yokutanga, edza huwandu hutsva pamwe chete-3.
Dzokorora urongwa uhwu kusvikira wawana chikwata chekuregererwa chakakunakira iwe. Zvakanaka, kubvisa kwako kunounza kubhadhara mu $ $ kusvika ku $ 1 000. Izvi zvinokupa nzvimbo yakawanda kuitira kuti chero shanduko mumari kana mari inobviswa haizokugadziri iwe chikwereti zvikuru.