Vakuru Vokubhadhara Vakwegura Vanogona Kukwanisa Kubhadhara Mitero Mitsva
Iwe Unowana Dhigirii Dzakakurisa Dzakanaka
Iwe haufaniri kubhadhara mitero pamari yako yakawandisa apo iwe ukwegura nokuti IRS inokubvumira kutora rimwezve kuderedza kushandiswa kana iwe uri nemakore makumi matanhatu kana kupfuura.
Kana iwe usina kuroorwa kana kufara semusoro weimba, iwe unogona kuwedzera $ 1,550 yepamusoro pakuderedzwa kwakakwana kwaunofanirwa kubhadhara kusvika muna 2017. Kana wakaroora, iwe unogona kuwedzera $ 1,250 kune mumwe nomumwe wavo ane makore 65 kana kuti vakwegura.
Iwe unofanira kutora makumi matanhatu nemusi wekupedzisira wegore remutero, asi heino kubata: IRS inoti iwe unotendeuka makumi matanhatu nemazuva masere zuva rako risati rasvika. Saka, kana iwe wakaberekwa musi waJanuary 1, iwe unofanirwa kusvika musi waDecember 31-kungoita nguva yekutsvaga kubhadhara kudarika kwegore iroro rekutere.
Mhedzisiro yakaderedzwa inotorwa panzvimbo yekutemesa zvitsva zvako, asi iwe unofanirwa kunge wakaita mari yakawanda yekufanirwa kuti uite kuti iwe uwedzere kukosha kwako nguva. Vakawanda vanobhadhara vateresi vanoona kuti kubviswa kwavo kwemazuva akawanda pamwe chete nekuderedzwa kwakanyanya kwemashoko kunobatsira kuva kupfuura zvinorehwa nemitengo yavanogona kutora, kunyanya kana chikwereti chave chabhadharwa kuitira kuti vasave nechinzvimbo ichocho chichibviswa.
Iwe Une Higher Filing Threshold
Chikumbaridzo chako chekuda kutora mutero wekudzorera pakutanga chinowedzerawo kana uri nemakore makumi matanhatu nemashanu kana kupfuura. Mune mamwe mazwi, iwe unogona kuwana mari yakawanda usati waifanira kuvhara shirtsleeves yako uye utange crunching nhamba dze IRS. Vazhinji vasina kubhadhara mutero vanofanira kuisa mitero inosvika apo mari yavo inosvika $ 10,350 kubva muna 2017 .
Asi kana uine makore makumi matanhatu nemashanu kana apfuura, unogona kuwana kusvika ku $ 11,900 usati wazvifungira iwe nekugovana chimwe chezvinhu izvozvo naMunun'una Sam.
Izvi zvinoshanda kune zvose zvinyorwa zvinyorwa. Kana iwe wakaroora uye uine zvinyorwa pamwe chete uye iwe nomudzimai wako mune pasi pemakore makumi matanhatu nemashanu, munogona kuunganidza pamwe chete kusvika pa $ 20,700 musati mava kudzorera kudzoka. Asi kana mumwe wenyu ari 65 kana kupfuura, unogona kubhadhara mari kusvika pa $ 21,950, uye kana uri vaviri 65 kana kupfuura, unogona kuwana kusvika ku $ 23,200.
Iwe Hungave Uchifanira Kubhadhara Mitero paNzvimbo Yenyu Yekuchengetedzwa Kwekugara
Saka chii chinonyanya kukosha semari yako inotengesa? Zvaunogona kuwana zvekuchengetedzwa kwehupfumi zvingave kana zvisingabatanidzwe. Heino nzira iyo inoshanda.
Wedzerai mari yako kubva kune zvose zvinyorwa, kusanganisira mari yekubhadhara mitero kunze kweSocial Security uye chii chaizowanzova mutero-kusabhadhara kufarira. Zvino kuwedzera kune iyo hafu yezvawakaunganidza mu Social Security panguva yegore rekutere. The Social Security Administration ichakutumira Fomu SSA-1099 kumativi ose ekutanga kwegore idzva, kukuratidza chaizvo kuti wakagamuchira zvakadini.
Kana zvikamu zvako zvose zvekuwana pamwe nehafu yako Social Security zvisingasviki $ 25,000 uye iwe usina kuroorwa, mukuru weimba, kana chirikadzi inokodzera kana murikadzi, haufaniri kuisa chero yehutano hwako hweSocial Security semari inotengesa.
Kana iwe wakaroorwa uye uchisunga kubatana kwekubatana, muganhu unokwira kusvika ku $ 32,000.
Iwe unogona kuda kutumira kubatana kwekudzoka nokuti kana iwe ukasiya kudzoka kwakasiyana, iwe unofanira kubhadhara mutero pane imwe yako yemari yako yaunotengesa kunze kwekuti iwe usingararidzani nemumwe wako nguva ipi zvayo mugore rebore. Muchiitiko ichi, chikumbaridzo chinodzokera zvakare ku $ 25,000. Asi chengetedza nemumwe muongorori wemutero kuti ave nechokwadi chekuti kudhinda chibatanidzwa chekuroora kana kuroorwa chiri mune zvaunofarira zvakanyanya kufunga nezvemamiriro ako ega.
Kana iwe uchinge uchinge kunze kwezvikamu zvekuwana mari, kusvika kuzana 85 muzana yezvawakaunganidza mu Social Security zvinogona kutengesa. IRS inopa chibvumirano chekubatanidza kukubatsira kuziva kana imwe yehutano hwako hweSocial Security inotengesa uye, kana zvakadaro, yakawanda sei.
Mutero Wekubhadhara Kwevanhu Vakwegura uye Vakwegura
Chimwe chezvinhu zvinonyanya kubhadhara mitero inowanikwa kune vakwegura nevatasununguka ndiyo mvumo yemitero kune vakwegura uye vakaremara.
Kana iwe ukaguma uchikwereta IRS, chikwereti ichi chinogona kupukuta zvimwe, kana kwete zvose, zvemhosva yako yemitero.
Iwe unofanirwa kuva nemakore makumi matanhatu nemapfumbamwe kana apfuura semusi wekupedzisira wegore rekutere kuti uwane. Iko January 1 mutongi unoshanda pano, zvakare-iwe unofungidzirwa uri nemakore makumi matanhatu ekuguma kwegore rekutere kana iwe wakaberekwa musi wekutanga wegore rakatevera. Unofanirwa kuva mumiriri weUnited States kana mutorwa agerepo kana, kana iwe usingagari, iwe unogona kukodzera kana iwe wakaroorana nemudzimai weUnited States kana mutorwa agere. Kana iwe wakaroora, iwe unofanira kuisa chibatanidzwa chekuroora kana kuroorwa nemumwe wako kuti akumbire chikwereti kunze kwekuti iwe usingararidzani nemumwe wako nguva dzose panguva yemutero wegore. Kana iwe uchikwanisa kuve mukuru wehutano hwemhuri, izvi zvinokubvumira kubvunza chikwereti kana wawakaroorana naye asina kurarama newe mushure meJune 30, kunyange zvazvo mamwe mimwe mitemo inoshandawo pakutsvaga chiitiko ichi.
Iyo yekupedzisira qualifier inosangana nemari yako. Iwe haugoni kuwana chikwereti ichi kana iwe uchiwana zvakawanda:
- $ 17,500 kana kupfuura kana nzvimbo yako yekufambisa isati iri, mukuru weimba kana chirikadzi inokodzera kana murikadzi
- $ 20,000 kana kupfuura kana iwe wakaroorana asi mumwe chete wenyu unokodzera kuwana chikwereti
- $ 25,000 kana kupfuura kana iwe ukaisa sangano rekudzoka rakadzoka
- $ 12,500 kana kupfuura kana iwe ukaisa mumwe mukadzi akaroorwa asi iwe wakararama kunze kweumwe wako gore rose
Iyi nhamba yakabva pane yako yakagadziriswa mari yakawanda , kwete yako yose inowanikwa. AGI yako inosvika pakunge watora zvimwe zvitsauriro peji rekutanga rebhadharo yako yemutero. Unogona kuzviwana pazera 38 reFomu 1040, kana mutsetse 22 kana iwe ukaisa Fomu 1040A.
Mienzaniso inoshandiswawo kune zvisingatarisirwi zvikamu zvehutano hwako hwe Social Security, pamwe chete nezvikamu zvisingatarisirwi zvepensheni ipi, annuities kana muwani wekuremara unogona kuva nawo:
- $ 5,000 kana kupfuura kana nzvimbo yako yekutsvaga isina kuroorwa, mukuru weimba kana chirikadzi inokodzera kana murikadzi
- $ 5,000 kana kupfuura kana iwe wakaroorana asi mumwe chete iwe unokodzera kuwana chikwereti
- $ 7,500 kana kupfuura kana iwe ukaisa chibatanidzwa chekudzoora kuroorwa
- $ 3 750 kana kupfuura kana iwe ukaisa mumwe akaroora kana akaroorwa asi iwe wakararama kunze kweumwe wako gore rose
Zvinosuruvarisa, iwe hauzokwanisi kuwana chikwereti kunze kwekuti mari yako inosangana zvose izvi. Kana iwe ukaenda kune rumwe rutivi, iwe uri kunze kwemahombekombe. Kana iwe uchikodzera, mari yekwereti inowanikwa kubva ku $ 3 750 kusvika ku $ 7 500 kubva muna $ 2017. Unogona kubvisa izvi zvakawanda kubva pamutero wako wemutero, kunyange zvazvo chikwereti chisina kubhadhara kuitira kuti IRS irege kukutumira cheki yebhadharo risina kushandiswa shure mutero wako wemutero wegore unobviswa.
Ikoko iwe unazvo. Kukwegura kunouya nematareji emitero, saka fara uye unakidzwe nemamwe mari iyo iwe haufaniri kupa IRS.
Cherechedzai: Mitemo yemitero inoshanduka nguva nenguva saka nguva dzose taurirana nenyanzvi yezvemitero kune mazano akawanda kusvika kune imwe. Iyi ruzivo haruna kufanirwa semutero wekubhadhara uye haisi kutsiva mazano emitero.