Wako MAGI Ndiyo Nzira Yakasiyana Yokuwana Inogona Kurambidza Mamwe Mitsara Kuputsa
Yako yakashandurwa yakagadziriswa mari yakawanda-inowanzonzi MAGI yako uye yakatumidza "Maggie," sezvinoitwa nezita remukadzi-yakaisvonaka chaizvoizvo zvarinonzwa. Iko kushandurwa kwemari yako yakagadziriswa yakawanda.
Hapana humwe tsanangudzo yakazara yeM MAGI. Mari yako yakagadziridzwa yakawanda inogona kuchinjwa nenzira dzakasiyana-siyana nekuda kwezvinangwa zvakasiyana. Izwi rinoshandisa pane imwe nheyo iyo inoshandiswa nayo. Inosanganiswa mukuverenga kunogadzirisa, kuderedza, kana kupedza zvimwe zvikwereti zvemitero.
Aya ndiwo mashomanana ezvakawanda zvinonzi zvipumhu zvinoshandiswa zvinogona kuchinjwa neM MAGI yako.
The Adoption Tax Credit uye Assistance Programs
Paunenge uchiverenga kubhadhara mutero wechikwereti , MAGI yako ndiyo yakagadziriswa mari yako yakawanda pamwe chete nedzimwe nyika dzisingabhadharwi mari, kusagadzikana, kana kubviswa kweimba iwe ungadai wakatsanangura kuverenga AGI yako. Iwe unofanira kuwedzera zvakare mune imwe mari yaunowana iwe usina kubva kuAmerican Samoa, Guam, Northern Mariana Islands, kana kuPuerto Rico.
Zvose izvi zvinogona kugadzirisa chikamu chekugadzirisa-mari yakabhadharwa iwe unokodzera kubhadhara chikwereti chemutero kana kubhadhara mutero kusingabatsiri kubva purogiramu yemubatsiro. Wako MAGI inowanikwa mumutsara we 7 weFomu 8839, fomu yemutero unofanira kuzadza uye kuendesa kune iyo yekudaidza kubhadhara mari yekugadzirisa. Kuwanda kwekugadziriswa-zvinoenderana nemari inokodzera kubhadharwa kuburikidza nekugamuchirwa kwemutero wekubhadhara kunogadzikana kana kupedzisirwa kana MAGI yako iri pamusoro pemamwe mashoma.
Yako MAGI inoratidzira zvakare mumutsara wechi 23 weFomu 8839. Pano inoshandiswa kuderedza mari yevashandi-inopa rubatsiro rwekubatsiridzirwa kubatsiridzirwa kunogona kubviswa kubva kune federal income tax.
Izvochete MAGI mitsara inoshandiswa iyo inoshandiswa kugamuchira chikwereti chinogamuchirwa inoshandiswa kune vashandirwi-inopiwa rubatsiro rwekubatsira vana.
Iyo miganhu ndeyi:
Kwegore | Threshold: | Kudenga: |
2017 | $ 203,540 | $ 243,540 |
2018 | $ 207,140 | $ 247,140 |
IAmerican Opportunity Tax Credit
Nechinangwa chekutaura muAmerican Opportunity Credit , yako MAGI yakangofanana neyekuda kwekutora mitero yekutora. Ndiyo AGI yako pamwe chete nedzimwe nyika dzekunze dzisina kuwana mari, kuregererwa kweimba, kana kubviswa kweimba iwe waiti, pamwe nemari ipi zvayo yawakabvisa kunze kweAmerican Samoa, Guam, Northern Mariana Islands, kana Puerto Rico.
Yako MAGI inogadzirisa chikamu chemutero wechikwereti. Inoratidza mumutsara we3 weFomu 8863, fomu yemutero waunokwanisa kuisa kuti uverenge uye utaure chikwereti. Kana MAGI yako iri pamusoro pemamwe mavharo, chiyero cheAmerican Opportunity Tax Credit chakakosha kana kupedzwa zvachose.
Iko gadziriro ino-kunze ndeye $ 80,000 kana kuti pasi kudana chikwereti chakazara chevateresi vasina kubhadhara uye $ 160 000 kana kuti vashoma kune avo vakaroorwa uye vanowedzera kubatana kudzoka. Chikwereti chinotanga kuderedzwa paMIGIs pamusoro pezvikwereti kusvikira zvisingabviswa zvachose-haugone kuzvitaura zvachose kana MAGI yako inopfuura $ 90,000, kana $ 180,000 yezvibatanidza zvinowanikwa.
Kuvhara Mazano Okuchengetedza Dzidzo
Yako MAGI inogadzirisa mari yaunogona kugovera kuAviddell Education Savings Account nokuda kweumwe munhu.
Kuenzanisa kwezvikwereti izvi kunoshandiswa uchishandisa Worksheet 7-1, MAGI yeCoverdell ESA , inowanikwa muIrS Publication 970. Zvakare, kana MAGI yako iri kupfuura imwe chikumbaridzo, mari yaunogona kupa mutero-isina kukwana inoderedzwa kana kubudiswa.
Wako MAGI inoratidzika zvakafanana nokuda kweiyo kubhadhara mutero kune vamwe. Ndiyo AGI yako pamwe chete nedzimwe nyika dzekunze dzisina kuwana mari, kuregererwa kweimba, kana kubviswa kweimba iwe waiti, pamwe nemari ipi zvayo yawakabvisa kunze kweAmerican Samoa, Guam, Northern Mariana Islands, kana Puerto Rico.
Chikumbaridzo chenguva yegore ra2017 ndere $ 190,000 kana iwe wakaroorwa uye uchiisa pamwe chete, kana $ 95,000 kune mamwe mazita ekutumira.
Bhuku Rekuchengetera Mumwe Nomumwe Mutero Kurasikirwa
Iko kuverenga kweM MAGI yako yakasiyana zvakanyanya nokuda kwekuderedzwa kwemutero, iyo iwe unogona kuda kune michero yakaitwa kuIRA yako.
Ndiyo yako yakagadziriswa mari yakawanda usati watora kubhadhara kweIRA, uye mushure mekunge uchisanganisira chero mari inoshandiswa yeSocial Security inobatsira uye kushandisa shanduko yekurasikirwa kwebasa kusakwanisa kuwana mari. Izvi zvinotevera kugadziridzwa zvinoshanda zvakare:
- Wedzerazve shure chero kuregererwa kwechisungo chekuchengetedza chikamu
- Wedzerazve rubatsiro rwekuberekwa kwekuberekwa kusina kubviswa kubva pamari
- Wedzera kuderedzwa kumashure kwemabasa ekugadzirwa kwemukati
- Wedzera zvakare kuderedzwa chero kupi zvako kwechikwereti chabhadhara pamari yevadzidzi
- Wedzera zvakare kuderedzwa chero kupi zvako kwekudzidzira uye mari
- Wedzera zvakare kune imwe nyika yakadzingwa yakasunungurwa, kubvisa kusarudzwa uye kubviswa kweimba
Wako MAGI anogadzirisa mari yaunogona kubvisa yezvipo zvakagadzirwa kune tsika dzechirongwa IRA paunenge uchivharwa neurongwa hwokurega basa kuburikidza nemushandi. Inogona kuverengwa kuburikidza neBuriti Rwekutanga 1-1, Kufanirwa Kwako Kugadziriswa AGI, iyo inowanika muRS Publication 590. Kana MAGI yako iri kupfuura imwe chikumbaridzo, mari yezvipo iwe unogona kutora inoderedzwa kana kupedzwa. Chikumbaridzo chinokonzerwa nekubviswa uku kunosiyana negore uye nekuisa chimiro kuitira kuti iwe uri nani pakuverenga yako uchishandisa pepa rekushanda.
The Lifetime Learning Tax Credit
The Lifetime Learning Credit inowedzerawo MAGI yako seAAGI yako pamwe chete nedzimwe nyika dzisingabhadharwe mari, kubviswa kwekugara, kana kubviswa kweimba iwe waiti, kusabhadhara mari inobva kuAmerican Samoa, Guam, Northern Mariana Islands, kana Puerto Rico.
Iwe unogona kuverenga MAGI yako yeWupenyutime Learning Credit uchishandisa Worksheet 3-1 mu IRS Publication 970. Zvakare, kana MAGI yako iri kupfuura imwe chikumbaridzo, mari yekwereti iwe unogona kutora yakaderedzwa kana yakadzingwa-zvakadini MAGI uye nzvimbo yako yekutsvaga. Chikumbaridzo chinowirirana gore roga rega, asi kuderedzwa kwemari kunogona kuverengwa pa IRS Form 8863, mitsara 10 kusvika 18.
Roth Individual Retirement Account Kukodzera
Iwe unogona kana kuti usakwanisa kukwanisa kuisa Roth Individual Retirement Account (IRA) zvichienderana neM MAGI yako. Muchiitiko ichi, MAGI yako ndeye AGI yako nekugadzirisa kunotevera:
- Pashoma mari kubva kuRoth kutendeuka
- Kuwedzerwa chero kupi zvako kwakakonzerwa nemutambo weIrasi yeChechi
- Kunyanya chero kuregererwa kwehutano hwekuchengeta mari
- Kunyanya kubatsirwa chero kupi zvako kwekubvumwa kusingabhadharwi kubva kune mari
- Kunyanya chero kubhadhara kwekuita mabasa emumba
- Kunyanya chero kubhadhara kwekubhadhara kwakabhadharwa pamakwereti evadzidzi
- Kupedza chero kupi zvako kunobhadhara chikoro nemari
- Kunyanya chero kune imwe nyika inowanikwa mari yakasunungurwa, kubvisa kusagadzikana uye kubviswa kweimba.
Yako MAGI inoshandiswa kuziva kana iwe unogona-uye kuti iwe unogona sei-inobatsira kuRoth IRA . Kana MAGI yako iri kupfuura imwe chikumbaridzo, mari yaunogona kuisa kuRoth IRA yakaderedzwa kana yakabviswa. Chikumbaridzo chinowirirana gore uye nekunyora chimiro.
Pamatafura asina kuroorwa, kuderedza kunotanga pa MAGIs ye $ 118,000 mugore ra20177 uye rinobviswa zvachose kune avo vane MAGI ye $ 133,000 kana kupfuura. Nhamba idzi dzinowedzera kusvika ku $ 120 000 uye $ 135 000 muna 2018. Nhamba idzi dzinowedzera kusvika $ 186 000 uye $ 196 000 muna 2017 kune vakaroorana vakaroorana vanyorera kubatanidza pamwe chete, uye kune $ 189,000 uye $ 199,000 muna 2018.
Mutero Wokubhadhara Mutero Unoshandiswa
Nokuda kwezvinangwa zvekubhadhara mutero, MAGI yako ndiyo AGI yako nekururamisa kunotevera:
- Pasina kubhadhara kwako kubhadhara chikwereti chevadzidzi
- Tora zvidzidzo zvese zvawakatora kuti uwane chikoro uye mari
- Pasina kuderedzwa chero kupi zvako kwekuita mabasa emumba
- Kunyanya chero kune imwe nyika inowanikwa mari yakasunungurwa, kubvisa kusagadzikana uye kubviswa kweimba
- Kunyanya chero kuregererwa kwemari kubva kuAmerican Samoa, Guam, Northern Mariana Islands, kana kuPuerto Rico.
MAGI yako yekubviswa uku inogona kuverengwa kuburikidza neBuriti reSvondo 4-1 rinowanikwa muRS Publication 970. Inogadzirisa chikamu chemari chikwereti chikwereti chaunodzidza iwe chaunokwanisa kutora. Kana MAGI yako iri kupfuura imwe chikumbaridzo, kubvisa kwako kunoderedzwa kana kupera. Chikumbaridzo chinowirirana gore uye nekunyora chimiro.
Miganhu yemutero gore ra 2018 i $ 80,000 kune michina isina kukwana uye $ 160,000 yezvibatanidza filers. Vaya vanoshandisa iyo yakaroora kana kuchinyorera mamiriro ega ega havakodzeri kubvisa chikwereti chechikwereti chevadzidzi .