Mutero weVashandi Vekutsvaga Zvimwe

Zvinokurudzira uye Zvisingakodzeri Zvaunofanirwa Zvakakanganiswa Zvakasiyana

Kune mhando mbiri dzevashandi vekutsvaga mari , zvisati zvisingakwanisi zvekutsvaga zvigadzirwa (NQs) uye zvinokurudzira kusarudza zvayo (ISOs). Mumwe nomumwe anotererwa zvakasiyana zvakasiyana. Zvose zviri pasi apa.

Mutero wekusagadziriswa kwezvinhu zvingasarudzwa

Paunenge uchiita zvisarudzo zvisingashandisi zvekutsvaga, mutsauko pakati pemutengo wemusika weiyo uye mutengo wemugove (unonzi kupararira) unonzi semari inowanikwa mari , kunyange iwe ukashandisa zvaungasarudza uye unoramba uchingobata chikafu.

Mari inobhadharwa inotarirwa nemitero yemitero (Social Security uye Medicare), pamwe chete nemitero yemari inowanikwa pamutero wako wekutengesa.

Iwe unobhadhara miviri yemitero yemitero:

• OASDI kana Social Security - iyo inokwana 6.2% pamubhadharo kusvika kuRubatsiro rweHurumende kuchengetedza iyo iyo $ 118 500 muna 2015
• HI kana Medicare - iyo inokwana 1.45% pane yose yakawanikwa mari kunyange zviyero zvakapfuura nheyo yekubatsira.

Kana iwe wakagamuchira mari yegore uchitopfuura kudarika kubhadharo kunopfuura mitero yako yemitero inobatsira kubva pakushandisa yako kusina kukodzera kushandiswa kwezvikwata kuchava chete 1.45% inokonzerwa neMedare.

Kana gore rako-kusvikira-zuva raunowana mari risati rasati rawedzera kudarika kubatsiro kwepamusoro apo paunenge uchiita zvisingashandiswi zvigadzirwa zvekutsvaga, iwe uchabhadhara chiyero che7,65% pahuwandu hwehuwandu kusvikira mari yako yaunowana inosvika pachibvumirano chekubatsira kupfuura 1.45% pa mibairo pamusoro pebatsiro rekubatsira.

Iwe haufaniri kushandisa mushandi wezvikwata zvinoshandiswa zvakasimba zvichienderana nekutora musarudzo.

Zvisinei chengetedza mupfungwa kuti kana ukaita zvisarudzo zvisina kukodzera zvekushandisa mune gore rausina imwezve mari yaunowana, iwe uchabhadhara mitero yemitero kupfuura iwe uchazobhadhara kana iwe uchizovashandisa mugore umo iwe une zvimwe zvekuwana mari yaunowana uye ikozvino inopfuura kudarika kwebatsiro.

Mukuwedzera kune mitero yemitero, zvose zvinowanikwa kubva pakupararira zvinowanikwa pasi pemitero yemari inowanikwa.

Kana iwe uine chikwata mushure mokunge uchitorovedza muviri, uye zvimwe zvinowanikwa kunze kwekupararira zvinowanikwa, humwe huwandu huripo huripo hutere semari inowanikwa (kana kuti sekurasikirwa kukuru kana chikwata chichienda). PaFairmark.com Mutero weMitero kune Vashandi, unogona kuwana mamwe mashoko pamusoro pemitero inoshandiswa paunenge uchiita zvisarudzo zvisina kukodzera zvekushandisa.

Mutero wekukurudzirwa kwekutsvaga mari

Kusiyana nemamwe asina kukodzera mashizha emagetsi, kuwana pane zvinokurudzira kusarudza zvayo hakusi pasi pemitero yemitero. Zvisinei, ndeyechokwadi, zvichienderana nemitero, uye inofanirwa chinhu cheAAMT ( alternative minimum tax ) kuverengwa.

Paunenge uchiita shanduko yekutsvaga mari kune zvakashata zvingave zvakasiyana:

1. Iwe unoshandisa zvigadziro zvekutsvaga mari uye kutengesa sengo mukati megore rekare rekare.
   Muchiitiko ichi, iwe unobhadhara mutero pamusiyano pakati pemutengo wemusika uri kutengeswa uye mutengo wekubhadhara pamutero wako wekushambadzira.
   
2. Iwe unoshandisa zvigadziro zvekutsvaga mari asi unobata chikwata.
   Mune mamiriro ezvinhu misiyano iri pakati pechipo chemari uye mutengo wemusika inobva yava yeAIMT pane chimwe chinhu, saka kushandiswa kwezvinhu zvinokurudzira kusarudza zvinogona kureva kuti iwe uchabhadhara AMT (mamwe mashoma emitero). Iwe unogona kuwana chikwereti chemari yakawanda ye AMT yakabhadharwa, asi zvinogona kutora makore mazhinji kushandisa chikwereti ichi. Kana iwe uine zvikamu zvegore rimwe kubva pazuva rako rekushanda (makore maviri kubva pazuva rekubatsira kwekusarudza) ipapo musiyano pakati pechipo chekupa uye mutengo wemusika paunotengesa zvisarudzo zvinotarirwa semari yakareba kwenguva refu panzvimbo pekuwana mari yakawanda, uye kana iwe mutero wako wepamusoro unodarika huwandu hwemutengo we AMT iwe unogona kushandisa kushandisa imwe yekare yakagadzirwa AMT chikwereti. Kune vanowana mari yakawanda, kuchengetedza chikwata chenguva yakatarwa kunogona kureva kubhadhara mutero kune pfuma pa15% kusvika 35%. Zvisinei, kune zvipingamupinyi kune urongwa urwu hunofanirwa kunyatsoongororwa.

Mitemo yemitero inogona kuoma. Imwe nyanzvi yemitero uye / kana wezvigadziri zvemari inogona kukubatsira kuti uenzanise mitero, inokuratidza kuti uchawana sei mushure mokubhadhara mitero yose, uye kupa nhungamiro pamusoro penzira dzenguva yekushandisa kwezvaunosarudza kubhadhara mari shoma inokwanisika.