Mitengo yehutano yehutano yehutano inobviswa mune dzimwe mamiriro ezvinhu
Kunyange zvazvo chirango ichocho chisina kubviswa, vamwe vateresi vanogona kutora mari yekubhadharira mari yemishonga yehutano yehutano. Mitemo yekuregererwa inotarisa kana iwe uri mushandi kana kuti iwe unoshanda, uye iwe wakabhadhara yako inshuwarisi uchishandisa mari yekare isati yatengeswa kana mushure mekutora mari.
Iyo inogonawo kuvimba kana iwe wakatora kuderedza kushandiswa kana itemize.
Mari Yokudhonza Kuwedzerwa
Inishuwarenzi yehutano mari inosanganiswa mune mari inokodzera kubhadhara mari yekurapa. Iwe unofanirwa kuita itemize kuti utore kudururwa uku, uye inogumira kuhuwandu hwehuwandu hwemari yako inodarika 10 muzana yemari yako yakagadziriswa yakawanikwa . Icho chinonyadzisa zvikuru masvomhu kunze kwekuti iwe une zvimwe zvikwereti zvemari yezvemari pamwe nekuwedzera kwepayimisi yako yveshuwarisi. Iwe unogona kusanganisira izvi kuti zvikubatsire kutora chikamu.
Heano muenzaniso: Kana AGI yako iine $ 60,000 uye iwe wakabhadhara $ 6,000 mumapurayamisi pagore regore rokubhadhara, iwe haugoni kubvisa miriyamu yako - 10 muzana yemadhora 60,000 iri $ 6,000, saka iwe hauna kubhadhara chero chimwe chinopfuura 10% we AGI yako. Asi kana iwe wakabhadharawo $ 3,000 mune mari isingabhadharwi yezvokurapa, iwe zvino wapedza mari yakawanda ye $ 9,000, iyo inodarika $ 3,000 kupfuura 10-peresenti yako.
Iwe unogona, saka, unoti iyo yose $ 3,000 semutengo wokubvisa mutero.
I-10-percent threshold yaingova 7.5 muzana pamberi pe 2013 kana yakawedzera. Kunyange zvakadaro, yakaramba iri pa7,5 muzana kune vateresi vaiva nemakore 65 kana kupfuura kwekanguva. Asi kubva paDecember 31, 2106, vateresi vose vanofanira kusangana ne 10-percent threshold kuti vakwanise kutora kubviswa uku zvisinei nezera.
Nhau dzakanaka ndeyokuti chiyero ichi hachikwanisi kune mari yako yose, asi chete kune AGI yako. Ndiyo nhamba yakasvika apo mushure mokunge makatora zvimwe zvinyorwa-pamusoro-mutsara pamapeji ekutanga ekudzoka kwemutero, kuderedza mari yako yose. Pamusoro-in-line zvakabviswa zvinosanganisira zvinhu zvakadai semarimony iwe waibhadhara, imwe hurongwa hwekurega basa, zvikoro uye chikwereti chechikwereti chemudzidzi. IAA yako inowanzove yakaderera pane yako yose inowanikwa kana iwe unogona kutora chimwe chezvikwereti izvi. Somuenzaniso, zvichida wakawana $ 60,000, asi iwe wakabhadhara yako yekare $ 16,000 mune alimony. IAAI yako haisi, saka, $ 44,000, kwete $ 60,000, uye yako 10-muzana chikero inodonha kusvika $ 4 400.
AGI Yako inowanikwa mumutsara we 37 weFomu 1040 usati watanga kusvika kunekutora zvitsauridzo zvakaitwa kana kuti kubviswa kwakakwana kwenzvimbo yako yekutsvaga.
Kurasirwa Kwemitero vs. Pre-Tax Kuchengetwa Kwemari
Vashandi vanobhadhara inishuwarenzi yehutano nehuwandu hwemarenda emutero kuburikidza nemari yekubhadhara mubhadharo havakodzeri kutorazve mamwe madhadharo ematambudziko aya. Chengeta yako paystubs kana usinganyatsozivi kuti uri kubhadhara sei yunishuwarenzi inowanika kuburikidza nemushandi wako. Kana zvikwereti zveinishuwarenzi zvinoshandiswa mushure mekushandira kwaunoshandira mushure mokutora kubhadhara pakero, iwe uri kushandisa usati watenga mari.
Hazvirevi chinhu chakaipa. Kubhadhara inshuwarhu yehutano semutoro wekutora mari isati yasvika inobatsira uye inogona kukuchengetedza mari yakawanda pane kutora kuderedzwa kwacho. Mitero yehutano isati yatere inoderedza mitero yako inotengesa, uye mutero wemari, Social Security tax uye Medicare mutero waunofanira kubhadhara ndeye muzana weyo misha inotengesa. Saka mubhadharo uyu anoshanda zvakanaka katatu mutero usingabhadhari kana mubhadharo wako wekubhadhara unoderedzwa nehuwandu hwepuraimisi yako yehutano yehutano. Izvo zvinogona kunge zvichange zvisingabhadhara mutero usingabhadhari kana hupfumi hwako huchibvumira kusati kwabhadhara hutano hwehutano inshumo.
Kurasikirwa kana Iwe Uri Washandi
Vanhu vanozvidzivirira vanogona kutora kuderedzwa kwemaimarikimari emishonga yehutano yehutano ivo vanobhadhara kugoverwa ivo pachavo uye avo vanovimba navo zvakananga paFomu 1040 sepamusoro-in-line kugadziriswa kune mari .
Iwe unogona kupinda muwandu wezvawabhadhara pamutsara 29 papeji yekutanga yemutero wako wekudzokera. Icho chimwe chezvinhu zvakabviswa izvo zvinogona kuderedza AGI yako kubva pane yako yose yaunowana mari yakawanda, uye iwe haufaniri hako kutora zvitsva zvako kuti uzvitore. Zvinoreva kuti hazvina kukwana ne-10-percent-ye-AGI mutongi - unogona kuda zvose zvaunoshandisa pazvikwereti, kunyange iwe usingagoni kuwedzera mune chero mari isingabatsiri yezvechiremba.
In Summary
Vashandi vanobhadhara apo michizimisi yehutano yemishonga yehutano inodzingwa mitatu isina mutero kubva pamisha miri yavo isina chero kukanganisa kwekubviswa kwacho. Vanhu vanozvidzivirira vanogona kutora inshuwarisi yehutano "pamusoro pemutsetse" pane peji yekutanga ye 1040s avo, iyo inobvisawo kukanganisa nekukanganisa kweitemizing. Vamwe vanokwereta vanogona kutora mari yehutano inshuwarheni sechinhu chinodonhedzwa chete kana zvikwereti zvese zvezvemishonga uye mazino zvinodarika 10 muzana yemari yavo yakawanda yakagadziriswa.
Cherechedzai: Mitemo yemitero inoshanduka nguva nenguva, uye iwe unofanirwa kubvunzurudza unyanzvi wemitero kune mazano akawanda-kusvika. Mashoko aya ari munyaya ino haafananidzi sekupa mazano emitero uye haisi kutsiva mazano emitero.