Nzira Yokuenzanisa Kushandurwa Kwako Kugadziriswa Kuwedzerwa Kwemari Yakawanda

IRS inoshandisa MAGI yako kuti ione kana iwe unogona kugovera kuIRA

Zvawakagadziridza zvakagadziriswa mari yakawanda (MAGI) inogadza kukodzera kwako kwekubhadhara mitero inokosha, kusanganisira kana iwe uchikwanisa kupa mishonga kune rimwe rega reta retirement (IRA), inobatsira kuRoth IRA, kana kuti uchinje mutsika yeRA kuenda kuRoth IRA . Mvumo yekubhadhara mitero yekubhadhara mitero uye zvimwe zvikwereti zvemitero zvinowanikwawo kuM MAGI. Pasi pemutengo unobhadhara Care Act, kukodzera kwemari-based based Medicaid uye inotsigirwa inshuwalhu yehutano kuburikidza neMatengesi inotaridzwa uchishandisa Modified Adjusted Gross Income (MAGI) yeimba yako.

Saka, zvakakosha kunzwisisa kuti ungaverenga sei zvigadziriswa zvakagadziridzwa mari yakawanda nokuti ine basa rinokosha mumasangano akasiyana-siyana ekugadzirisa mitero.

Chinhu chokutanga kuziva kuti iwe wakashandurwa yakagadziriswa mari yakawanda haisi chinhu chakafanana nemari yako yose, kana kuti yako yakagadziriswa mari yakawanda (AGI). Vanhu vakawanda vanonyanya kuzivikanwa nemari yavo yakagadziriswa yakawandisa kupfuura ivo vane MAGI yavo.

Asi kunyange zvazvo mari yako yakagadziriswa uye mari yako yakashandurwa yakawanda yakagadziriswa inogona kunge yakave yakakosha kune mumwe nemumwe, zvakakosha kunzwisisa mutsauko pakati pavo. Heano zvinhu izvi, uye kuti ungaverenga sei MAGI yako.

Kuwana Kuchinja Kwako Mari Yakawanda

Mari yako yakagadziriswa yakawanda (AGI) ndiyo yehuwandu yemari yaunowana mugore, unotora zvimwe zvekubhadhara mari. IAI inowanikwa pamutsara we 37 we IRS Form 1040 , pamutsara 21 we IRS Form 1040A , uye pamutsara we4 weFRS Form 1040EZ.

Kugadziriswa mari yakawanda inosanganisira mari yako yose, kusanganisira:

• mubairo
• utsvaga mari
• bhizimusi mari
• kurega mari
• alimony
• mari yebhadharo, uye
• pfuma mari

Zvose zvinowanikwa mari iyo "inogadziriswa" nekubvisa mutero-deductible mari. Izvi zvinogona kusanganisira:

• mudzidzisi mari
• mishonga yekuchengetedza kwehutano (HSA) mipiro

• utano hwehutano inshurenhe mari (kana iwe uri woga)
• IRA yakabhadhara
• alimony, and
• chikwereti chikwereti chido

Iko Internal Revenue Service inoshandisa mari yako yakagadziriswa yakawanda seyokutanga kuverenga yako yose yemutero wemutero. Inoshandisawo iyo kuronga kana iwe uchikwanisa kuwana zvikwereti zvakasiyana-siyana uye kusunungurwa, kusanganisira kubviswa kwechipo, kubhadhara mari yekubhabhatidza, kubhadhara mitero yakatarwa, uye mari yakagamuchira mari.

Saka, kazhinji pane zvaunofarira kubvisa AGI yako zvakanyanyisa, wakapa mari yako. Nokudaro, iwe unofanirwa kuwana yakawanda yemitero-deductible mari yepamusoro sezvinobvira kuti ubvise kubva pachiyero.

Kune zvinhu zviviri zvausingadi kuwedzera kune AGI yako:

• mipiro kune zvirongwa zvinoshandiswa nevashandirwi, sa 401 (k) s, uye
• mutero unobhadharwa unokonzerwa nokutendeukira kuRoth IRA

Nzira Yokuverenga Magi Ako MAGI

Iwe haugoni kuwana yako kugadziriswa kuchinjwa mari yakawandisa pamutero wako wekudzokera. Nenzira, kunyange zvakadaro, zviri nyore kuverenga.

Tanga nemari yako yakagadziriswa yakawanda, mufananidzo wekupedzisira we 1040 kana 1040A fomu yemutero (mutsara 37 weFomu 1040, mutsara 21 weFomu 1040A, kana mutsetse 4 weFomu 1040EZ).

Zvadaro zviwanire iwe chigadziri, uye wedzera zvakare:

• chero kupiwa kupi zvako kwawakaita nokuda kwezvipo zveIRA

• chero kuregererwa kupi zvako kwaunotora chikwereti chechikoro kana chikoro
• hafu yemutero wako wokushanda
• mari yekusasa kana kurasikirwa
• asiri kunze kune dzimwe nyika
• kurasikirwa kurasikirwa
• rubatsiro kubva kuEE kuchengetedza zvibvumirano zvaishandiswa kubhadhara dzidzo yepamusoro, uye
• mushandi-kubhadhara mari yekugadzirisa mari, uye
• kurasikirwa kubva pakubatanidzwa kwepagurukota

Nzira iyo IRS inoshandisa yako MAGI

Chikonzero chinonyanya kukosha chokuziva yako shanduko yakagadziriswa mari yakawanda ndeyekuti uone kana iwe unogona kuita mitsva inobhadhara mutero kune rimwe rega rekambani. IRS inoshandisawo MAGI kuti ione kana iwe uchikodzero kutora mutero wokubvisa zvekudzidzira nemari. Semuenzaniso, kubva muna 2017 kana iwe uri mumwe chete kana mukuru weimba yepafisi pamutero wako wekubhadhara uye unovharwa neurongwa hwekurega basa kubasa, hauna kukodzera kutora kubhadhara kweIRA kana wakanga uine MAGI ye $ 72,000 kana kupfuura.

Iwewo haugone kutora kubhadhara chikoro nemari kana iwe wakanga uine MAGI ye $ 80,000 kana yakakwirira semusana kana mutungamiriri weimba yefesheni, kana $ 160 000 kana wakaroorwa nekuisa pamwe chete.

Sezvo miganhu iri mumamiriro ezvinhu aya akasiyana zvichienderana nehuwandu hwekutsvaga kwako, iwe uchada kutarisa mutungamiri wemitero kana kuenzanisa nhamba iwe pachako kuti uone paunomira neM MAGI yako.