Mari isina kubhadhara inosanganisira zvinhu zvakadai sekubhadhara mari, mari yepensheni, kugoverwa kubva kumabhengi ekutora mari, kubhadhara mari inowanikwa, mari inowanikwa, zvikamu, zvikwereti, mari inoshandiswa kubva kune imwe nzvimbo yekutengesa imba, alimony, stock dividends, uye bond bond.
Iwe unofanira kunge wakawana mari yekuita IRA kana Roth IRA mupiro. Ichi ndicho chikonzero, kana uchinge wapedza basa uye usingachagoni kushanda, haugone kugovera pamabhengi ako ekurega.
Kubhadharwa mari yekusunungurwa kunogona kukonzerawo Social Security mazano. Kana iwe uchiunganidza Social Security pakutanga (zvisati zvave kunzi yako nguva yakakwana yokurega basa inobva pazuva rako rokuberekwa), uye une mari yakawanda-yawana, muganhu wekuchengetedzwa kwehupfumi huchashanda uye iwe unogona kubhadhara zvimwe zvezvipo zvako zvakare. Mari yakagadzirirwa inotengesa zvakasiyana pane yekusagamuchira mari.
Mitero paItambira Mari
Iwe unobhadhara miviri mikuru yemitero pane mari yaunowana, Social Security / Medicare mitero (inonzi FICA, OASDI, kana mitero yemitero), uye hurumende uye hurumende inotora mitero. Mitero yemitero iyo inotorwa kunze kwebhadharo yako ine zvikamu zviviri. Chokutanga, 12,4% yemari inowanikwa inobhadharwa kune Social Security. Vashandi vako vanobhadhara hafu yemutero uyu, uye iwe unobhadhara hafu.
Kana iwe uri wekushanda iwe uchabhadhara zvizere 12.4%, zvisinei, chikamu che "mubhadha" chikamu che6.2% inowanzobhadhara mutero.
Iyi mitero yehupfumi yehupfumi inobhadharwa pamutengo wemari yaunowana yaunowana kusvika kune imwe nzvimbo inonzi dollar yemiganhu, iyo inonzi mupiro uye rubatsiro rwebatsiro, kana mari yekuwana mari.
Muna 2017, iyi dollar inogadzirisa iri madhora 127,200, kubva ku $ 118 500 muna 2016. Izvi zvinoreva kuti hapana humwe hupfumi hwehupfumi hwehupfumi hunokweretwa nemari inowanikwa mari inopfuura ichi.
Chechipiri kubvisa mari ndeyomutero weMedare. Iyi mutero i2,9% yemari yose. Zvakare, iri mutero inobatanidza mutoro wevashandi nevashandirwi, uye mumwe nomumwe aripa 1.45%. Kusiyana neSocial Security tax inobhadhara mari, iyo mutero haiti. Chero mubhadharo kana mamwe maitiro emari yakagadziriswa inofungidzirwa pasi pemutero uyu. Kana iwe pachako uchishanda, iwe unobhadhara zvakakwana 2.9%. Iyi mitero yemitero inoshandiswa kubhadhara Social Security mazano uye Medicare zvakabatsirwa.
Kusagadzirirwa Imari Imitero
Kuwana mari isina kufanira haisi pasi pemitero yemitero. Aya ndiwo mashoko akanaka! Zvisinei zvisingawanikwi zvinyorwa zvekuwana zvakabatanidzwa mukuverenga kwako kweAdjusted Gross Income (AGI) yehurumende yekubhadhara mutero. Iwe unogona kuwana AGI yako pamutsara we 37 wepa 1040 yako yefomu fomu. Yakawanda mari isingazivikanwi yakadai semari inowanikwa kubva kuCD kana mabhuku ekuchengetedza, IRA kuregererwa, uye kubhadhara mari yepensheni inobhadharwa pamutengo wemari. Zvisinei, mamwe marudzi emari asina kuwana, zvakadai semari inowanikwa muhomwe uye zvikwereti zvakagadziriswa zvinobhadhara pamutengo wakaderera.
Mazano anobatsira
Kana iwe ukakwanisa kuchengetedza zvakawanda pakutanga kwehupenyu, unogona kuvaka zvinyorwa zvekusagamuchira mari, uye mari iyi inenge isingabhadharwi nemitero yemitero.
Aya ndiwo mashoko akanaka kune vashandi uye kune vakasiya mari. Chero hupi husati hwabhadhara mubhadharo wekubhadhara mubhadharo , iyo chirongwa chepensheni, kana imwe mhirizhonga yepereji ichaderedza mari yehurumende uye yehurumende yemitero yemutero, zvisinei, haasi kuderedza mutero wako webhadharo / FICA mutero - mutero weFICA yakatorwa kubva mumutoro mukuru.
Paunenge uchienda kumusha iwe uchachinja kubva pane kuvimba nemari yaunowana kuvimba nemari isina kuwana. Nokuti mutero wemitero uchasiyana zvichienderana nemari yekuwana mari, zvakanakisisa kuva nemari inowanikwa kubva kune dzimwe nzvimbo dzakadai semakero asingabhadhara mari seRoth IRAs, mushure mekuteresa kwekodha sekuchengetedza nekutsvaga muzvikwereti zvekweretheni, uye nhoroondo dzakabhadhara mitero seIRAs uye 401 (k) s.
Vamwe vakasiya basa vanotanga kukurukura mabhizinesi, vanoita-vanogona kushanda, kana kuti neimwe nzira vanozvishanda.
Vakawanda vanotariswa nebhadharo / mutero weFICA uye vanogona kutora mushure pamitero kana vachinge vashanda. Kana iwe uchinge washanda iwe pachako iva nechokwadi chokuti unoshanda nemumwe muteresi wemutero uyo anogona kukubatsira iwe kuverenga mukana wakakwana wemutero webhadharo kutumira - zvimwe April 15th ichava nguva isina kufadza yegore iwe.