Ita Kuda Kupa Mitero
Kamwe chete gore rekarenda rapfuura, pane chero chinhu chaunogona kuita pamusoro pemitero yako. Asi kana iwe uchitarisa zvinotora mutero wako zvichange zvakaita segore risati rasvika, kune marudzi ose ezvinhu zvaunogona kuita. Somuenzaniso, mitero yako yekubhadhara inogona kushandiswa ku:
- Zivai kurashikirwa kunoderedza mitero yenyu yemutero
- Zivai mari inobhadharwa pazero kana muchiita gore rino
- Tora IRA zvikwereti zvisingabhadharwi, kana kuti zvichabhadharwa pamutengo wakaderera
- Shandura IRA mari kuRoth IRA pamutengo wepasi shoma
- Ipa mugove wako waunoda kugovera kune charity kuchengetedza pamitero
- Wedzerai 401 (k) mupiro wekuderedza mitero yako yemutero
- Uye zvizhinji, zvakawanda
Nzira Yokuenzanisa Nayo Mitero Gore Rakagara-Kupera
Kuti uenzanise mitero yako, unounganidza ruzivo rwese rwunoda kuti uzadze mutero wako wekudzokera. Zvakanakisa kutanga ne kopi yekubhadhara mutero wegore rapera. Mumahara, nyora pane zvaunofunga kuti nhamba dzegore rino dzichave.
Zvadaro, shandisa iri muInternet 1040 mutero wokuverenga, isa muenzaniso wekuenzanisira mumutero wekugadzirira mitero seTurbo Tax kana Tax Act, kana kana iwe uchida kuita zvinhu nemaoko, zizai mutero wepafomu kudzoka.
Kana uchinge watora mutero wako wakatarwa wekudzorerwa wakagadzirirwa, heinoi mutsara wekutanga zvinhu kutarisa:
- Kugadziriswa Gross Revenue (AGI) (mutsara 37 pane Fomu 1040, mutsara 21 pane 1040A)
- Imari Yakatererwa (mutsara 43 pane Fomu 1040, mutsara 27 pane 1040 A)
Hezvino zvaunoita nemumwe wese wezviwero izvi kuti uite chisarudzo chekuponesa mari kwemakore.
AGI
Ndiyo AGI yako pasi pe $ 117,000 nokuda kwezingles kana pasi pe $ 184,000 kune vakaroorana here? Kana zvakadaro iwe unokwanisa kubhadhara zvizere Roth IRA.
Iwe unosvika musi waApril 15 we 2017 kuti upe mupiro wegore ra2016, saka tanga kuwedzera kuRoth yako iyezvino uye ona kana iwe unogona kuwana zvakanyanya muna April ($ 5 500 kune avo vane makore 49 nechepasi, $ 6 500 pamakore makumi mashanu nekukwira) .
Kana AGI yako iri pamusoro pezvataurwa pamusoro apa, iwe unogona here kubhadhara pane imwe mimwe mitero inoshandiswa yekudzikinura? Semuenzaniso, iwe unogona kutsanangura bhonasi yemugumo wegore mugore rako 401 (k) urongwa here? Iwe une chirongwa chakakwirira chehutano hwehutano hunoita kuti iwe uwane kodzero yekutora mutero-deductible muAkaunti yeUkuchengetedza Health?
Mutero Unotengesa
Inoteresi yako Inotora pasi pe $ 37,650 yekungles, kana $ 75,300 yevakaroorwa? Kana zvakadaro, uri pasi pekudzivirira pakati pe15 kubva muzana uye 25 muzana yemitero yemari. Chero mari ipi neipi pamusoro pemari iyo ichakweretwa pa25 muzana. Tora musiyano pakati pe nhamba ye cutoff uye yako inowanikwa mari. Icho ndicho chikwereti chemari yaunowana iwe unogona kuiona isati yasvika gore uye usingabhadhara mutero . Kana iwe unogona kutora chikamu ichocho kubva kuIRA kuenda kuRoth IRA uye ingadai yakabhadharwa pa15 muzana. Izvi zvinogona kuita zvinonzwisisika kana iwe ungangodaro uri mu25 kubva muzana kana kuti yepamusoro mutero mutengo mushure mekurega basa paunenge uchida kugoverwa kubva kuIRA yako.
Kana mari yako yapera pamusoro pemari inotora, tarisa mazvikwereti iwe uri mukati memamwe mabhuku asina kubhadhara.
Pane chimwe chakakosha kudarika iwe waibhadhara ivo here? Vashandisei kune chimwe chinhu kuti vaone kurasikirwa kukuru. Kurasikirwa kuchagadzirisa chero mari ipi zvayo inowanikwa mubhadharo yako yokutanga. Kana ikangoita kuti pfuma iwane mari, kusvika ku $ 3,000 yemari yakakosha inogona kushandiswa sekuderedzwa kune imwe mari. Pa 25 kubva muzana mutero wekutengesa, $ 3,000 kurasikirwa kunokuchengetedza iwe $ 750 muhurumende yemitero.
Anopfuura makore makumi manomwe?
Kana iwe unopfuura makumi manomwe nemakumi mana uye wakakumbira kugoverwa kubva kumabhengi ako ekurega, funga kugovera zvose kana chikamu zvakananga kune rudo. Paunenge uchiita izvozvo, chikamu ichocho hachizorevi muChinobheni 15b pane 1040 (asi iwe uise chiyero chakazara chekuparadzirwa mumutsara 15a), uye naizvozvo AGI yako uye mari inotengesa ichave yakaderera. Kana AGI yako iri pasi, zvinoreva iwe unogona kushandisa chikamu chakakura chemari yako yezvechipatara sekuderedzwa kwacho.
Idzi ingongova mazano mashomanana emari ekuchengetwa kwemutero anogona kuratidzirwa nokuita musarudzo yemutero gore rapera. Kana iwe usina kukwanisa kuzviita iwe pachako, funga kuisa mari mune unyanzvi wemutero kuti ubatsire. Kuwana kwako kunogona kupfuura kuderedza mari yebasa ravo.