Mitero Inowanikwa Imitero Yekubhadhara Mitero Yegore Ritero 2017
Iwe Unofanirwa Kudzokorora Kudzoka Here?
Zvinhu zvishanu zvinogadza kana iwe uchida kutora mutero wekudzoka uye kuti iwe unogona kuwana mari yakawanda sei usati waita izvi:
- Iwe uri mumwe munhu anovimba naye here?
- Chinyiko chako chekutsvaga ?
- Une makore mangani?
- Uri bofu here?
- Chii chaive mari yako yakawanda yegore?
Maererano ne IRS, mari yakawandisa inoreva "mari yose yaunogamuchira nenzira yemari, zvinhu, pfuma, nemabasa asingabhadharwi mutero." Aya mahwindo ekuwana mari ane chokuita nemari yawakagamuchira muna 2017, yaunofanirwa kuitaura iwe paunotora mutero wako wekubhadhara gore regore ra20177 muna 2018.
Zvido Zvinoshandiswa neMari
Kana mupiro wako uchienzana kana kupfuura zviyero zvinoratidzwa muchati iri pasi apa, unofanira kuisa mutero kudzoka.
Iyi matafura inoparidzirwa neI IRS muPublication 17 uye Publication 501. Iyo inovandudzwa gore negore.
| Kana nzvimbo yako yekutsvaga iri ... | Uye pakupera kwe 2017 iwe waive ... | Zvadaro iwe unofanira kufambisa kudzoka kana mari yako yakawanda yaive yakashata ... |
| Single | pasi pe65 | $ 10,400 |
| 65 kana kupfuura | $ 11,950 | |
| Vakaroorana vachinyora pamwe chete | pasi pemakore 65 (vose vari vaviri) | $ 20,800 |
| 65 kana kupfuura (mumwe mukadzi) | $ 22,050 | |
| 65 kana kupfuura (vakaroorana) | $ 23,300 | |
| Vakaroora vachidhura zvakasiyana | chero yezera | $ 4,050 |
| Musoro weimba | pasi pe65 | $ 13,400 |
| 65 kana kupfuura | $ 14,950 | |
| Mudzidzi wechirikadzi (er) ane mwana anotarisira | pasi pe65 | $ 16,750 |
| 65 kana kupfuura | $ 18,000 |
2017 Zvinyorwa Zvokufambisa Kwevanhu Vanovimba *
Kana iwe usina kuroorwa, kana mumwe munhu akakwanisa kukutaura iwe somunhu anovimba naye, uye kana iwe usati wava nemakore makumi matanhatu nemashanu kana kupfuura kana kuti mapofu, unofanira kutumira kudzoka mune chero ipi zvayo mamiriro ezvinhu anotevera:
- Mari isina kuwana yakawanda kupfuura $ 1,050
- Mari yakabhadharwa yakanga inopfuura $ 6 350
- Mari yakawanda yaive yakawanda kupfuura yairema $ 1,050 kana pane mari yainowana kusvika ku $ 6,000 pamwe ne $ 350
Vasingabatsiri vanopera makore 65 kana kupfuura kana mapofu vanofanira kutumira kudzoka mune imwe yemamiriro ezvinhu anotevera:
- Mari yekusagadzikana yaive inopfuura $ 2 600, kana $ 4150 kana iwe uri vose 65 kana kupfuura uye uri bofu
- Mari yakabhadharwa yakanga inopfuura $ 7 600, kana $ 8 850 kana iwe uri vaviri 65 kana kupfuura uye uri bofu
- Mari yakawanda yaive yakawanda kupfuura inodarika $ 2 600 ($ 4,150 kana vose makumi maviri nemashanu kana kupfuura uye mapofu) kana kuti mari yakawanikwa kusvika pamadhora 6 000 uye $ 1,900 ($ 3,450 kana 65 kana kupfuura uye mapofu)
Vakaroorana vanogara vasina makore 65 kana kupfuura kana mapofu vanofanirwa kudzorera kudzoka mune chimwe chezviitiko zvinotevera:
- Mari isina kuwana yakawanda kupfuura $ 1,050
- Mari yakabhadharwa yakanga inopfuura $ 6 350
- Mari yakawanda yaive inodarika $ 5 uye mumwe wako akaroora zvakasiyana zvekudzoka uye inotora zviduku
- Mari yakawanda yaive yakawanda kupfuura yairema $ 1,050 kana pane mari yainowana kusvika ku $ 6,000 pamwe ne $ 350
Vakaroorana vanovimba nemakore makumi matanhatu nemashanu kana kupfuura kana mapofu vanofanirwa kudzorera kudzoka mune chimwe chezviitiko zvinotevera:
- Mari yausina kuwana yakanga inopfuura $ 2 300, kana $ 3,550 kana iwe uri vose 65 kana kupfuura uye uri bofu
- Mari yakabhadharwa yakanga inopfuura $ 7 600, kana $ 8 850 kana iwe uri vaviri 65 kana kupfuura uye uri bofu
- Mari yakawanda yaive inodarika $ 5 uye mumwe wako akaroora zvakasiyana zvekudzoka uye inotora zviduku
- Mari yakawanda yaive yakawanda kupfuura inodarika $ 2 300 ($ 3,550 kana vose makumi maviri nevashanu kana kupfuura uye mapofu) kana mari yakawanikwa kusvika pamadhora 6 000 uye $ 1,600 ($ 2 850 kana vose makumi maviri nemashanu kana kupfuura uye mapofu)
* Yakabudiswa kubva kune IRS Publication 929
Dzimwe Mamwe Mamiriro Ezvinhu Paunofanirwa Kudhinda Kubva 2017 Kudzoka *
Iwe uchafanirwa kutumira kudzoka kana imwe yemamiriro mana aya akashanda kwauri muna 2017:
- Iwe unokweretesa chero ipi zvayo yemitero, kusanganisira imwe yero inoshandiswa mutero kana mimwe mitero kune imwe chirongwa chekurega basa chakadai seye munhu weIRA kana imwe kero yakabhadhara mutero. Asi kana iwe chete uchinge udzorera kudzoka nokuti iwe unokwereta mutero uyu, unokwanisa kuisa IRS Form 5329 pachako pane. Mimwe mitero inokosha inosanganisira Social Security uye Medicare pamusoro pezano ramusina kumuudza kumushandi wako kana mutero pamaripo yawakagamuchira kubva kumushandi uyo asina kubvisa mitero kubva pamari yako. Vanosanganisirawo kubhadhara mitero, yakadai seyekwereti yekutanga yeimba yemukwereti, isina kuwanikwa Social Security neMedare kana mutero weRRTA pane mazano amakaudza kumushandi wako, uye mimwe mitero pamakero ekuchengetedza utano.
- Iwe-kana wewawakaroorana naye kana iwe uri kufambidzana pamwe-yakagamuchira HSA, Archer MSA, kana kuti Medicare Advantage MSA kugoverwa.
- Iwe wakanga uine mari yekuwana mari kubva kubasa rako roga roga rinenge $ 400.
- Iwe wakanga uine mubayiro we $ 108.28 kana kupfuura kubva kuchechi kana sangano rakarongedzerwa nechechi iro risingabhadharwi nevanoshandira Social Security uye Medicare mitero.
- Iwe, wako wawakaroorana naye, kana munhu akazvimiririra akanyoresa kugoverwa kuburikidza neHealthcare.gov Marketplace pasi pemitemo ye Affordable Care Act uye yepamusoro yekutora chikwereti chemari yakakonzerwa kwauri. Iwe uchaziva kana izvi zvine chokuita newe nokuti uchagamuchira Fomu 1095-A kuudza zvikwereti.
* Yakabudiswa kubva kuRS Publication 17
Saka Zvose Izvi Nhamba Dzinorevei?
Kuisa zvinyorwa zvinokonzerwa nemubhadharo wemutero uye kubhadhara kwomunhu mumwe chete kunowanikwa pamwechete. Heino muenzaniso.
MuTeebhenekeri 1, munhu mumwe chete pasi pemakore makumi matanhatu nemashanu ane chikwereti chinodiwa $ 10,400 pagore ra 2017. Munhu asina kuroorwa ane mutengo wakakwana we $ 6 350 muna 2017. Tafura 1 ndeyevateresi vanozvimirira, saka uyu munhu mumwechete akakodzera kubvunza kunyangwe rimwe chete ruregerero rwomunhu oga iro rinokwana madhora 4,050 yegore ra 2017. Patinowedzera $ 6 350 uye $ 4050, tinouya ne $ 10,400, uye izvi zvakafanana nekutumira mutsara mari.
Mhedzisiro yakaderedzwa inowirirana zvichienderana nemamiriro ekubhadhara mubhadhare, uye vanhu vane makore 65 kana kupfuura uye mapofu vanhu vanowana kuwedzerwa kwechimiro chepamusoro pamusoro pekugara kwavo kunowanzoitwa. Zvinyorwa zvekufambisa zvinopesana nekuda kwezviyero izvi zvakasiyana. Nhamba yekufananidza inoshandiswa inomiririra chikamu chiduku chekuderedzwa munhu angangodaro maererano nemamiriro avo emitero.
Mutero wemunhu wemutero-izvo zvaanoda kubhadhara IRS mu federal tax-zvinobva pamutero usingabhadharwi, iyo inowanikwa mari yakawanda zvisingabhadharwi. Mune mamwe mazwi, hapana mutero unowanzodiwa kana munhu akabhadhara mari inenge iri pasi pemutengo wekutsvaga kwake uye kuregererwa kwomunhu oga, asi kune mamiriro ezvinhu umo mari yomunhu inogona kuwira pasi pezvinyorwa zvekutsvaga asi iye achange achiri nemhosva yemitero zvakadai sezvinorondedzerwa pamusoro apa.
Nhamba yekutsvaga inoshandiswa inogona kuchinja gore roga roga nokuti kuregererwa kwemazuva ose uye kuregererwa kwomunhu oga kunogona kuchinja gore negore. Izvo zvinoshandurwa gore negore zvichienderana nekuchinja mune zvekuwedzera.
Ichava Rini Rakanaka Rakakwanisa Kudzokorora Kudzoka Kunyange Kana Icho Chisingadi?
Iwe uchada kudzorera kudzoka kunyange kana iwe usingatenderwi kuita kudaro kana uri kuzogamuchira mari yekubhadhara mutero. Kana iwe wakanga uine mitero yakachengetwa kubva pamari yako yakadai sekudzivisa mubhadharo kana kuparadzirwa kwemararamiro emari, iwe waibhadhara mitero yako kana mari yako inowira pasi pemirairo yepamusoro. Iwe hauna mvumo yemitero kuitira kuti iwe unofanirwa kubhadharwa kwemari yakanga isina kudzivirirwa. IRS ichaichengeta iyo kunze kwekuti iwe udzorera mutero kudzoka.
Izvo zvinogonawo kuunza mari yekubhadhara mutero kana iwe uchikwanisa kubhadhara imwechete kana kuti yakawanda yemari inotora mvumo yemutero , yakadai seyakagamuchira mari yechikwereti , chikwereti chemutero wemwana , kana chikwereti cheAmerican Opportunity . Iwe unofanirwa kutora mutero unodzoka kuti uverenge zvikwereti izvi uye kukumbira kudzorerwa kubva ku IRS.
Iwe unogonawo kuda kutora mutero kudzoka sekudzivirira. IRS ine nguva yakatarwa yekubudisa mitero yemitero, yekuitisa kuongorora, uye yekuunganidza mitero inofunga kuti mumwe munhu angaita chikwereti. Iyi nguva mipera inonzi mitemo yekukanganisa . Muzhinji, IRS ine makore matatu kubvira musi wekutora mutero inosvitswa kuti utange kuongorora, uye ine makore gumi kubva pazuva iyo mutero wokubhadhara wakaiswa kuti utore mutero. Kana kudzoka kusina kuiswa, nguva iyoyo inopera isati yatanga. Izvi zvingaita kuti zvikusiye iwe pachena pane zvinyorwa zvekuongorora kana kuunganidza. Kusvitsa kudzoka kunotanga hovha iyo inofungisisa pane izvi mitemo yekukanganisa.
Iwe unogona kuda kudzorera kudzoka kunyange kana iwe usingafaniri kana iwe wakanga uri-kana kuti ungave-wakaurayiwa wehupombwe. Kusvitsa kudzoka kunoisa IRS chiziviso pamusoro pezvawakabhadhara mari yako yegore, uye zvinodzivirira mubavha wechiratidzo kubva pakuisa fomu yekubhadhara mutero uchishandisa zita rako uye nhamba yehupfumi yehupfumi.