Mutsara wechi16 paFomu 1040: Pensions uye Annuities

Nzira Yokutaura Nayo Pension uye Annuity Imari Pamutero Wenyu Rekudzoka

Kunzwisisa zvese zvakasununguka uye zvekunze kwekuwana kwako uye kusina kuwana mari uye zvakasiyana-siyana zvinowanikwa mutero zvinogona kunge zvakaoma panguva yakatarwa. Mushure mekunge uine izvozvo pasi, iwe unotarisana nekufungidzira kuti ungapinda sei iyo yose paunodzoka mutero. Mari yakawanikwa kubva kumagadziro ekurega basa inoenda papeji yekutanga.

Mutsara wechi16 weFomu 1040

Kana iwe ukatora mari ipi zvayo kubva pamapensions uye / kana annuities panguva yegore remitero, inopfuurira kumurongo 16 weFomu 1040.

Ndicho chikamu chiri nyore.

Mutsara wechi16 wakaputsika muzvikamu zviviri. Nzvimbo iri pedo ne16a inoshuma chikamu chakawandisa chekugoverwa kwawakagamuchira kubva kumapensions nemari. Mutsara we 16b unoshuma chikamu chekubhadhara chezviparidzi izvi. Semuenzaniso, iwe ungangodaro wakagamuchira kugoverwa kwe $ 12,000 kubva pane yako 401 (k) hurongwa, asi chete $ 10 000 yemari iyoyo yakatengesa. Iko $ 12,000 yakawanda mari yaizoenderera pamutsara we16a, uye $ 10 000 inotengesa mari inowanikwa munharaunda 16b. Mutsara we16b ndiwo muwandu unobatsira iwe wose wekutengesa mari yako.

Mari Yomubhadhara Inotaurwa Pamurongo 16

Kugoverwa kubva kumakambani akatevera kunowanikwa pamutsara uyu wekubhadhara mutero:

• 401 (k) zvirongwa
• 403 (b) zvirongwa
• Civil Service Retirement System (CSRS)
• Federal Employees 'Retirement System (FERS)
• Mazano emamwe mahedheni purogiramu
• Hurumende 457 (b) zvirongwa
• Thrift Savings Plan

Izvo Zvisingawaniki Zvichitsanangurwa Pamurongo 16

Iwe haufaniri kuisa kuparadzirwa kubva kumarudzi akatevera eakaiti nokuti vanoenda kune imwe nzvimbo:

• Nhaurirano dzega rega dzekurega basa (IRAs) dzinoratidzwa pamutsara 15 panzvimbo.
• Kuremara pensions yakagamuchirwa usati wawana mudiki wezera rekubhadhara mari yekusunungurwa sekugadziriswa nemushandirwi wako anorondedzerwa mumutsara 7 semubairo panzvimbo.
• Kugadziriswa kwekuregererwa kwemadhora ekuwedzera kwemari kana zvipo zvakanyanya kune 401 (k), 403 (b) kana 457 b) zvirongwa zvekurega basa zvinoratidzwa mumutsara we7 semubairo pamwe chete.

Nzira Yokuona Nayo Mutero Wenharaunda yePension uye Annuity Income

IRS inoti mari yako inobhadhara zvakakwana kana:

• "Iwe hauna kupa chimwe chinhu kana kuti hauna kufungidzirwa kuti wakapa chimwe chinhu nokuda kwepenjeni kana annuity
• Washandi wako haana kubvisa mipiro kubva mubhadharo yako, kana
• Iwe wakagamuchira zvipo zvako zvose (iwe wekutsinhanisa mune kontrakiti) isina mutero mumakore apfuura "

IRS inoti zvakare, "Unogona kukwanisa kuudza mari yepamusoro inotengesa mari uchishandisa General Rule kana Method Simplified, kana kana kuregererwa kwehupfumi hwehurumende hurumende inoshanda."

Tsanangudzo pamusoro peGeneral Rule inowanikwa muCheteti 939. Tsanangudzo pamusoro peNzira Yakadzidzwa inowanikwa muPublication 575. Nzira Yakaitwa yeChirungu cheShanduro Yakashandurwa inowanika papeji 28 ye 2016 pdf version yeMirayiridzo yeFomu 1040 .

Mashoko pamusoro pemutero wemutero wekugoverwa kubva ku CSRS, FERS uye Hurongwa Hwekuchengetedza Inogona kuwanika muHedheni 721 .

Iwe unayowo sarudzo yekukumbira IRS kuti uverenge chikamu chinotengesa chepenjeni yako yekugovera nemari inogona kuchinja nguva nenguva. Tarisa peji 77 yePublication 939 kuti ukumbire mutemo weRS, iyo ndiyo nzira yekuti IRS ione chikamu chinotengesa.

Dana IRS kuti uone mari yazvino. Kana iwe ukasarudza kuripa uye ukasarudzwa kuti uite zvekutora kwako, mari inotora mutero inotsvitswa sechinhu chakasiyana-siyana chakakonzerwa nekuderedzwa kwemashoko zvichienderana ne 2 muzana yekugadziriswa kwemari inowanikwa mari.

Nzira Yakarongedzwa Yokupinda Pension Income paFomu 1040

• Unganidza Mafomu ako ose-1099-R kubva kune imwe nzvimbo yezvemari yegore.
• Gadzira zvinyorwa zve-1099-R mumisungo miviri: iyo iyo bhokisi reIRA rinotarirwa pedyo neBhokisi 7, uye iyo iyo bhokisi reIRA haritaridzi.
• Mafomu 1099-R ne cheki mubhokisi reIRA vari kugovera kuparadzirwa kubva kune rimwe rega reta retirement. Ruzivo irworwo rwunoenderera mberi mumutsara we 15 kuitira kuti iwe ugone kuisa izvi kubva pane ikozvino kusvikira wagadzirira kupinda muhomwe iyoyo.
• Mafomu 1099-R pasina cheki mubhokisi reIRA vari kuzivisa kuparadzirwa kubva pensions uye annuities. Aya ndiwo mashoko anoenderera mberi mumutsara wechi16.

• Shandisa Method Simplified Method Worksheet inowanikwa mumirayiridzo yeFomu 1040 kuti uverenge zvisingagoneki (mutsara 16a) uye mutero (mutsara 16b).
• Ita tafura yezvinyorwa zvako kuti uratidze mathemati ako. Tafura inofanira kutarisa seyiyi:

Bhuku rebasa reFomu 1099-R apo bhokisi reIRA haritaridzi
Zita rebhadhara	Kupararira kwakakura kubva mubhokisi 1	Mutero unotengesa kubva mubhokisi 2a	Mutero usingabhadhari kubva kuGeneral Rule kana kuti Simplified Method worksheet	Mutero webato rehurumende wakachengetwa kubva mubhokisi 4	Mutero wemutero weHurumende wakachengetwa kubva mubhokisi 15
1.
2.
3.
Subtotals:
Bika paFomu 1040 line 16a	Bika paFomu 1040 mutsara 16b		Bika paFomu 1040 mutsara 64	Dzokorora Purogiramu A rutsanga 5a uye pamutero wako wehurumende kudzoka