Tarisa kuti uchabhadhara zvakadini kana mhuri yako isina utano hwehutano
Ko mhuri yako inofanira kubhadhara mutero wemutero wekusava nehutano inshuwarisi here? Iko mari yakawanda yehutano yehutano inshuwalense chirango? Zvingava zvishoma here kuenda pasina utano hwehutano inshuwarheni uye kuripa chirango, kana kutenga inshuwarhu yehutano?
Kuziva chiyero chechirango chako kunogona kukubatsira iwe bhajeti, asi kuverenga chirango chemhuri kunogona kuva nengozi kupfuura kuverenga chirango cheumwe munhu .
Background
Iyo yakakakavhiringidza chikamu cheNotengeswa Care Act , mutemo mumwe nomumwe unoda vaAmerica kuva nehutano inshuwarhu. Vaya vasina kuvharidzirwa vanotarisana nemutero wechirango, iyo inobatanidzwa mutoro kubhadhara . Vamwe veAmerica vanoregererwa kubva pane zvinodiwa kuti vave nehutano inshuwarheni yekugovera; iyo IRS yakaratidza kuti mugore ra2014 rinoparidzirwa, mamiriyoni manomwe emitero emitero aive pasi pekutongwa, asi vamwe mamiriyoni 12 vakataura kusunungurwa kubva kune chirango.
Hurumende imwe neimwe ine utano hwehutano inshuwarheni kuti ibatsire mhuri uye vanhu vanowana inshuwarisi. Kubatsira kunowanikwa kubatsira rubatsiro rwemhuri inotapudza mari yehutano inshuwarheni. Asi, kana iwe ukajaira kuenda pasina bhuwarisi uye usingakodzeri rubatsiro, iwe uchafanirwa kubhadhara mari iyi itsva kubva mubhajheji yemhuri kana iwe uchapiwa chikwereti chemutero.
Nzira Yokuenzanisira Mhuri Inishuwarenzi yehutano yehutano
Kutanga, tarisa tafura yekutongwa iri pasi apa.
Zvadaro, verenga paunodzidza kuti ungashandisa sei kuitira kuti urege kubhadhara zvakawanda.
| Gore 2014 | Gore 2015 | Gore 2016 | Mushure me 2016 | |
|---|---|---|---|---|
| mari inoshandiswa chirango | 1% yemari yepamusoro pamusoro pekuvhara chikumbaridzo | 2% yemari yepamusoro pamusoro pekunyorera chikumbaridzo | 2.5% yemari yepamusoro pamusoro pekuvhara chikumbaridzo | 2.5% yemari yepamusoro pamusoro pekuvhara chikumbaridzo |
| chikamu chiduku chairo | $ 95 | $ 325 | $ 695 | $ 695 + inflation adjustment |
Chirango chemhuri yako chichapiwa chikwereti chiri chechimiro chakasimbiswa kana chikamu chemari yemhuri yako, chero ipi zvayo yakakura . Iro yehuwandu-ye-inotora chirango inowanzosvika kumhuri yepakati-dzimba kana yehupfumi. Icho chinova nechokwadi chokuti chirango hachisi chiduku zvikuru kungova nhamo chete. Iyo yakagadziriswa chirango chakanaka kazhinji inokanganisa mhuri dzinotora mari shoma. Izvo zvinoita kuti munhu wose atore chikamu chakanaka.
Heuno maitiro aunoita chirango chemhuri yako.
- Tora chikamu chiduku chemhuri.
- Verengai mari yemhuri inotorwa-ye-mubayiro wechikwereti.
- Enzanisa mitsva miviri; iwe uchatora chikwereti chikuru chezviviri.
Nzira Yokuverenga Nayo Mutemo Wakanyanya Mhuri
Kuti uverenge chikamu chiduku chemhuri, wedzera pamwe chirango chemunhu mumwe nomumwe nhengo yemhuri achishandisa chirango chegore rakakodzera kubva patafura iri pasi apa.
Mitemo miviri inoita kuti mhuri isarohwe zvishoma zvishoma:
- Chirango chemunhu mumwechete chikamu chechina kune vana pasi pemakore gumi nemasere.
- Chirango chiduku chemhuri chinoiswa pamatatu katatu chirango.
Muenzaniso
Tom naSandy vane vana vaduku 3. Hapana munhu mumhuri ane inshuwalhu yehutano. Vanofanira kuverenga chidiki chechipiri chemhuri chegore ra2015.
Imwe tafura inoratidza zvishoma zvidhinho ndeye $ 325 kune mumwe nomumwe mumhuri.
Asi, vanhu vakuru chete ndivo vane chikwereti chakazara. Icho chidimbu chechipiri chemwana mumwe nomumwe chikamu ichocho, kana $ 162.50.
$ 325 (yeTom) + $ 325 (yeSandy) + $ 162.50 (yemwana 1) + $ 162.50 (yemwana 2) + $ 162.50 (yemwana 3) = $ 1,137.50 (yemhuri)
Asi, chirango chiduku chemhuri chinonyadzisa kunze katatu chidimbu chidiki chirango, kana $ 325 x 3 = $ 975. Kubvira $ 1,137.50 yakawanda kupfuura $ 975, ivo vachashandisa $ 975 kuti zvive zvehuwandu hwemhuri yavo chirango sezvo vachienderera mberi nekuverenga kwavo.
Nzira yekuverenga Mhuri yePamende-ye-Kuwana Mutongo
Ratidza chiyero chepakati-ye-pfuma yekuwana yemhuri inobva pane yose yemhuri inowanikwa.
Kubva patafura iri pasi apa, chikamu chechikamu chegore ra2015 chikamu che2% chemari inopfuura chikamu chekuvhara.
- Zano: Usabhadhara hurumende yakawandisa. Ingobhadhara chikwereti chemishonga inshuwarano yehutano pane chikamu chemari yako yaunowana iyo iri pamusoro pemutsetse wekunyorera. Bvisa chikumbaridzo chekunyorera kubva pamari yako usati waverenga chirango.
- Zano: Chikumbaridzo chekufambisa ndicho chiyero chemari inokumbira kuti iwe udzorere mutero wekudzoka. Vanhu vane zvipo pasi pekuvhara chikumbaridzo havafaniri kuisa mutero wekudzorera; avo vane mari yepamusoro pechikumbaridzo vanofanira kuisa.
- Zano: Chikumbaridzo chegore ra2015 chinokwana $ 10,300 pamatafura asina kukwana, $ 13,250 pamatafura edzimba, uye $ 20 600 kuti vakaroorana vafunge pamwe chete. Kwemamwe makore, unogona kuwana chikumbaridzo chekufambisa gore rakabvunzwa kubva pakabudisa 501 pamitauro yeRS uye peji yezvinyorwa.
Muenzaniso
Tom naSandy pamwe chete vakagamuchira $ 100 500 muna 2015. Vanokanda mitero yavo sevakaroora vakaroorana pamwe chete, saka vanoshandisa madhora 20 600 seanosvika pakuvhara kwavo chikumbaridzo, vachichibvisa kubva pane zvavanowana vasati vaverenga chiyero.
$ 100,500 - $ 20,300 = $ 80,200
Mhuri inowanikwa - chikumbaridzo chokuisa = chikamu chemari yavanowana kuti inoruramiswa.
$ 80,200 x 0.02 = $ 1,604
Chikamu chemari inotora chikwereti x chirango che2% (0.02) = chikamu chavo chekuwana mari.
Kuzvibatanidza Pose Pamwe Chete: Ziva Zvaunofanira Kuita
Iye zvino zvawaverenga kuti chirango chako chiduku chemhuri uye chirango chako chemari-ye-pfuma, unofanirwa kuzvienzanisa. Kubhadharwa kwemhuri yako inobatanidzwa kuchave kwakavakirwa kune yakawanda yezviyero zviviri.
Pane mamiriro mashomanana angangoderedza chirango chemhuri yako.
- Mhuri yako ichava nehutano inshuwarhu kune chikamu chegore here?
Ingobhadhara chikwereti kwemwedzi mhuri yako isingabatsiri. Somuenzaniso, kana mhuri yako isingabatsirwi kwemwedzi minomwe yegore, iwe unongobhadhara zvinomwe-gumi nezviviri zvehutano wehutano inshuwalense. - Iwe une chirango chikuru here?
Chirango chinosungirirwa kunze kwenyika yega yega inodhura hurongwa hwehutano hwemhuri hwemhangura hwegore iroro. Ichi chinoshandurwa gore rega rega, asi iwe unogona kuenzanisa kushandisa 2015 chiuru che $ 1,020 pamwedzi kana $ 12,240 pagore kune mhuri yevashanu kana yakakura. Kune mhuri dzine vanhu vasiri pasi pechishanu, shandisa mari yakaenzana yenyika yegoridhe-tier chirongwa chehutano hwevanhu ($ 207 pamwedzi kana $ 2 484 pagore) uye kuwedzere iyo nehuwandu hwevanhu vasina kuvimbiswa mumhuri. - Haikwanisi kuwana mari yehutano yveshuwarenzi?
Kana iwe usingakwanise kuwana hutano hwehutano hwemhuri hunodarika mazana 8,3 kubva muzana yemari yako yemhuri muna 2016 (8.16 muzana muna 2017), mhuri yako inogona kusunungurwa kubva kune chirango. Nhamba ye8,3% inowanikwa pane izvo mhuri yako inofanira kubhadharisa pakugovera, kwete pamutengo usati watora mari yevashandi kana rubatsiro rwepayimusi.
Muenzaniso
Chirango chemhuri chemhuri yaTom uye Sandy cha2015 chaiva $ 975. Mhuri yavo yehuwandu hwemari-ye-pfuma yaive ye $ 1,604. Sezvo chikamu chavo chekuwana-mari-chekuwana mari yakakura kudarika chikamu chiduku, iyo ndiyo chimiro chemhuri yavo chirango chichavakirwa. Kana mhuri yavo isingabatsiri gore rese, vangadai vaine chikwereti chekubhadhara chikwereti cha $ 1,604 pavakapa mitsara yavo yegore ra2015 musi waApril 15, 2016.
Mari inokwana $ 1,604 inokweretwa iri pasi peyero yevhareji yepamusoro yeurongwa hwehutari-hutano hwemhuri yevashanu ($ 12,240) kuitira kuti chirango chechikwereti hachina kuvakanganisa.
Zvisinei, dai vaive vasina chikamu chekugadziriswa kwegore, chirango chavo chaizoderera. Ngatiti Sandy switched mabasa munaJuly, uye mushandi wake mutsva akapa hutano inshuwarisi. Kana mhuri yose yakafukidzwa nehutano inshuwarisi kutanga munaSeptember, saka vakanga vasina kungotsigirwa kwemwedzi 8 yekutanga yegore. Muchiitiko ichi, vanongofanira kubhadhara chikamu chechikamu chegore ravaiva vasina kubhadhara.
$ 1,604 x 8/12 = $ 1069.33
Chirango chegore negore chaive chikamu chegore ravasina kubvumirwa = chirango chekupedzisira chemhuri chaifanira kubhadhara.
Muchiitiko ichi, Tom naSandy vane chikwereti chekubhadhara mari ye $ 1069.33 nokuti mhuri yavo isina hutano hwehutano hwemagetsi kwemwedzi 8 yegore ra2015. Pamwe nemitero yavo yegore ra2015, mutero uyu wechikwereti wakakonzerwa ne IRS musi waApril 15, 2016.
> Sources:
US Code 2011, Chikamu 26, Subtitle D, Chitsauko 48, sec5000A
> IRS: Mibvunzo nemhinduro pane mumwe oga Mutoro Wekugoverwa
> IRS: Mumwe Nomumwe Mutoro Wekugoverwa Zvokupa - Kuzivisa uye Kuverenga Mutero.
> IRS: Nzira yeNzira Yekubhadhara 2014-62 uye Nzira Yekubhadharwa Nayo 2016-24 .
> Koskinen, John, Internal Revenue Service, Tsamba kune Congress, July 17, 2015.
> Congressional Research Service inoshuma: Mumwe Mutemo uye Zvimwe Zvido Zvimwe Zvimwe Zvichienderana Pasi pePACACA