Kune avo vanowana mari yebasa roga-kana sevanosunungura ivo kana kuburikidza nokuva nebhizimisi-nguva yenguva inogona kuva inorwadza zvikuru. Mitero yekuzvipira inofanirwa ichiita sekabatwa kaviri. Iwe unobhadhara mitero yako yaunowana uye iwe unobhadhara mitero yebasa rako pachako zvakare. Sei? Ndezvipi mitero yemabasa?
Wana mhinduro dzemibvunzo iyi uye nezvimwe pamusoro pemutero wekuzvipira, kusanganisira kuti yakawanda sei, ndiani anofanira kuripa, uye kuti angaripa sei.
01 - Ndezvipi Kuzvishandira Mutero Mitero?
Mutero wekuzvitsvaga ndiwo unozivikanwa kune vashandi se "mitero yemitero" kana FICA. Izvi Zvekuchengetedzwa Kwemagariro uye Medicare Mitero, izvo zvakasiyana kubva (uye kuwedzera) kumitero yemari. Mitero yekuzvipira inokwana 15,3 kubva muzana (12,4 muzana ye Social Social uye 2.9 muzana yeMedare) yekutanga $ 118 500 (ye 2016) yebasa rokushanda . Iyi nheyo yemubairo inogona kuchinja gore rose, asi zvikamu zvinowanzogara zvakafanana.
Izvi zvinonzwika zvakasimba, asi hazvirevi kupfuura zvakakonzerwa nokuda kwemitero iyo yemitero kubva kuvashandi vekambani. Musiyano ndewekuti mune imwe mamiriro emabasa mushandi uye mushandirwi anoparadzanisa mitero iyi, mumwe nomumwe aripa 7.65 muzana. Paunenge uchizvishanda iwe, iwe unobhadhara zvose zviri mubhadhari uye vashandi zvikamu.
02 - Ndiani Anofanira Kubhadhara Kuzvimirira Mitero?
Chero ani zvake (kunze kwevamwe vashandi vechechi) nemari yekuzvishanda mari ye $ 400 inofanirwa kubhadhara mitero yebasa. Zvisinei, kunze kwokunge iwe uchiita mari inenge $ 600 iyo kambani yakakubhadhara iwe mari haifaniri kutumira 1099-Misc statement iyo inotaura kuti iwe pachako unowana mari yako. Kuzvitsvaga mari yako inowanikwa mari yawakawana kuburikidza nebhizimisi remba kana kuburikidza nekubvunzurudza. Kana iwe ukagamuchira W-2 yemari inobva kune kambani saka haisi basa roga roga roga.
03 - Ndinoshandisa Sei Kuzvidzivirira Kwemabasa?
Mitero yokuzvipira inobhadharwa iwe paunobhadhara mitero yako yaunowana. Mari yacho inopinda mumutsara 56 we 1040 yako. Zvisinei, iyo yakawanda inotaridzwa pane imwe fomu, iyo Purogiramu SE . Kana iwe uri kuisa Purogiramu SE, iwewo uchange uri kuisa Purogiramu C (inoshandiswa kuverenga purofiti kana kurasikirwa kubva mubhizinesi kana kutengeserana chete), Purogiramu F (yakashandiswa nevarimi) kana Purogiramu K-1 Fomu 1065 (yakashandiswa kubatana uye joint ventures).
04 - Ndingaita Sei Kuderedza Basa Rangu Rokuita Mitero?
Iwe unobhadhara mari yakawanda sei mumitero yebasa rako pachako inowanikwa pamari yako yebhizimisi mari, naizvozvo nzira chete yekuderedza mitero yako yega-kushanda ndeyokuderedza mari yako yekuwana mari.
Nzira yakanakisisa yekuita izvi ndeyekuti uri kutora zvese zvakabviswa basa rako iwe unobvumirwa pane yako Purogiramu C (kana imwe yemari yemutero webhizinesi) sezvo izvi zvichatsivira mari yako yebhizimisi. Deductions pane Purogiramu A kana mipiro yeIRA haigoni kuderedza mari yako yebhizimisi uye haichaderedzi mitero yako yekushanda.
05 - Ndingakwanisa Kubvisa Kuzvipira Kwangu Mitero?
Iwe unogona kutora hafu yemutero wako wekushanda iwe pachako paunofunga nezvemari yako yakawanda yakagadziriswa. Izvi zvinoderedza kuwanda kwemutero wemari unobhadhara iwe unobhadhara. Chikonzero chekuti iwe unogona kungotora hafu chete ndeyekuti une kodzero yekudhura hafu yeFICA mitero yaunobhadhara semushandi, sezvakangoita chero umwe wevashandi, kwete mushandi wehafu.