Iwe unofanirwa kubhadhara mitero pane yako Social Security benefits here? Zvichida
Izvo zvinoenderana. Zvikomborero zvako zvinogona kunge zvisingaiti zvekubhadhara kana zvishoma zvekutengesa, zvichienderana nemari yakawanda yakawanda yaunayo kubva kune dzimwe nzvimbo. Heino nzira iyo inoputsa.
Kana Sangano Rekuchengetedzwa Kwevanhu Ndiwe Wako Chero Chekushandisa
Kana iwe usina kumbokomberedza kuisa mari mune iyo 401 (k), kana iwe usiri kuunganidza mari nekubhadhara imba yako paunenge uchienda nemwanakomana wako kana mwanasikana wako, uye kana iwe wakasiya kushanda zvakakwana, yako Social Security mari haina kukwereta.
Idzi ingongova mienzaniso - chinangwa ndechekuti iwe hauna imwe yomufomu yemari zvachose kubva pane chero ipi zvayo. Iwe unogona kusatombofanira kutora mutero kudzoka mumamiriro ezvinhu aya.
Kana Iwe Uine Zvimwe Zviwanikwa
Kana iwe uine zvimwe zvekuwana mari muwedzera kune yako Social Security benefits, chikamu chezvikomborero zvako chinogona kutengesa. Iwe unogona kushandisa Social Security Benefits Worksheet muMirayiridzo yeFomu 1040 kuti uverenge mari yako inotengesa, asi apa ndiyo inonyanya kushanda.
Chokutanga, kuverenga mari yako yemazuva, wozoenzanisa nemari yakadzika mu chati iri pasi apa. Mari yako yemazuva ndeyako mari yako yose kubva kune dzimwe mhando, kusanganisira kubhadhara mitero-kubhadhara mari, pamwe nehafu yako Social Social benefits.
Izvi zviyero zvinoshandiswa mukufungidzira chikamu chekubhadhara cheSocial Security zvinobatsira pamakore emitero 2017 ne 2018.
| Kushiva nzvimbo | Nhamba yepamusoro | Zvimwe zviyero |
| Single | $ 25,000 | $ 34,000 |
| Musoro weMhuri | $ 25,000 | $ 34,000 |
| Kufanirwa Chirikadzi (er) | $ 25,000 | $ 34,000 |
| Vakaroorana Vanowedzera Jointly | $ 32,000 | $ 44,000 |
| Vakaroorana Vanodyara Zvimwe | $ 0 |
Maitiro Akaita Mari Inoshanda Sei
Ngatishandisei izvi mumutauro weChirungu uye tipe muenzaniso. Tichataura kuti unounganidza $ 15,000 pagore mumari yekutsvaga. Iwe unoramba uchishanda zuva rimwe chete pavhiki kuti uende kunze kweimba uye hongu, kuti ubatsire kugadzirisa zvigaro, uye iwe wakagamuchira $ 7,000 gore rapera uchiita saizvozvo. Iwe unounganidza $ 18,000 pagore mu Social Security retirement benefits.
Hafu yeiyo inouya ku $ 9,000.
Saka mari yako yemazuva ano inodarika $ 31,000: mari yako yekutsvaga mari pamwe nemari yako pamwe ne $ 9,000 kana 50 kubva muzana ye Social Social benefits yako. Kana uwandu hwekutsvaga yako ndeweMusikana, Mutungamiriri weMhuri, kana Chirikadzi Chikwereti (er), mari yako yenguva ine $ 6,000 kupfuura chikamu chepamusoro che $ 25,000 saka iwe unofanira kubhadhara mitero pane imwe chikamu che Social Social benefits. Kana huwandu hwainge hwakabuda huri pasi pehuwandu hwemadhora e $ 25,000, zvikomborero zvako zvaizove zvisina mutero.
Iye zvino NezveZviyo Zvimwe
Zvadaro pane imwe imwe koromo, iyo "yakawanda mari." Mari yako yose ye $ 31,000 yakawanda kupfuura yehuwandu hwehutano hwehuwandu hwehuwandu hwako, asi huwandu huwandu huwandu huwandu huwandu hwe $ 34,000, saka iwe unofanirwa kubhadhara mitero pa50 muzana ye Social Social reward.
Iko haisi 50 muzana mutero wehuwandu. Zvinoreva kuti iwe uchafanirwa kuzivisa uye kubhadhara mutero wemari pa $ 9,000 ye $ 18,000 yako muHuman Security Security.
Kana mari yako yose yepakati yaive yakawanda kupfuura $ 34,000 muna 2017 kana 2018, iwe unofanirwa kubhadhara mutero wemari pane 85 muzana yehupfumi hwehupfumi hwako-mumuenzaniso uyu, $ 15,300 kana 85 muzana ye $ 18,000.
Mitemo yevakaroorana
Izvo zvakaenzana mari yepamusoro uye mimwe mitemo mitemo inoshandiswa kana iwe wakaroorana uye uchiisa mutero wekubatana mutero , asi iwe unogona kuverenga zvichibva pane zvose zvaunowana uye zvose zvako Social Security zvakabatsirwa.
Vakaroora vakaroorana vanobhadhara mitero yakasara vane zvingasarudzwa zviviri zvekugadzirisa chikamu chekubhadhara chikamu cheHindu Security benefits. Kana iwe waigara muimba imwe chete pamwe chete panguva ipi zvayo mugore rekutere, izvi zvinoderedza nheyo yako yepamusoro ye zero. Iwe uchabhadhara mutero pane imwe chikamu cheSocial Security mazano.
Vakaroorana vakagara kunze kwevamwe mukati megore rose vanogona kushandisa mari yepamusoro ye $ 25,000 uye mari yakawedzerwa yemari inokwana $ 34,000 pakushandisa chikamu chekubhadhara chikwereti chezvipo zvavo, sekunge zvazvo vasina kuroorwa.
Mune mhaka ipi zvayo, pasinei nokuti iwe wakaroorana kana usina kuroorwa, chikamu chekubhadharwa cheHuman Security Security hachikwanise kudarika makumi mashanu kubva muzana zvezana rako rose.
Kudzivisa Social Security Benefits
Iwe unogona kusarudza kuva nehurumende yemari yemutero yakachengetwa kubva pa Social Social Security kana iwe une chikonzero chekufunga iwe uchagumisa kubhadhara mutero pane imwe chikamu chavo.
Mutero wehurumende unogona kuvharirwa pamwero we7%, 10 muzana, 15 muzana, kana 25 muzana. Fomu Fomu W-4V (PDF) kuti Rega Social Security Administration izive mutero waunoda kunge wakadzivisa.
State Taxes Are Different
Kunyange zvazvo huwandu hwematongerwo enyika husingawani mari yehupfumi yehupfumi kubva kumitero, zvishanu zvichange zvichibhadhara kusvika 85 kubva muzana yezvipo zvako kubva munaJanuary 2018: Rhode Island, Vermont, North Dakota, West Virginia, uye Minnesota. Dzimwe humwe humwe hurumende-Utah, Nebraska, New Mexico, Montana, Missouri, Kansas, Connecticut neColorado-uyewo mutero Social Security inobatsira pane imwe nzvimbo asi inopa zvimwe zvikamu zvichienderana nezera rako nehuwandu hwemari. Kana iwe uchigara mune imwe yeiyo mitero yemitero, usakanganwa kuronga mitero yehurumende zvakare.
Iyi ndiyo mitemo inokosha. Kana uine mishonga yakawanda yemamwe mari, funga kubvunzurudza nenyanzvi yezvemitero kuti uvhare mutoro wako unogona kunyanya kunyanya.