Nhare yekubhadhara ndeyemari yebhadharo yevashandi (zvichida mubhadharo kana nguva imwechete ) mushure mekuregererwa kwemitero yehurumende uye yehurumende, uye mari ipi zvayo yekubhadhara mari. Nhare yekubhadhara ndiyo iyo mari yakagamuchirwa nemushandi mubhadharo yake.
Nzira Yokuenzanisa Net Pay
1. Tanga neGross Pay.
Kutanga kuverenga kwekubhadhara kwematare, unofanira kutanga nebhadharo yakakosha yevashandi.
Kubhadhara kwakakwana ndiyo mari inokweretwa kumushandi panguva yekubhadhara (vhiki nevhiki, bi-vhiki, vhiki-mwedzi, kana pamwedzi).
Pose mubhadharo wevashandi veawa imwechete ndiyo maawa anoshandiswa maawa nguva yeawa, uye ane premium yemaawa akawanda, kana zvichibvira. Pose mubhadharo kune vashandi vanobhadharwa mubhadharo wavo wegore negore wakaparadzaniswa nenhamba yezvibhadharo mugore.
ZANO: Zvose zvinoregererwa uye zvigadziriswa zvinobva pabhadharo yakazara . Kurambidzwa kwemitero yakasiyana-siyana uye kubhadhara hakusi kuwedzera.
2. Deduct Federal Income Tax Kubvisa.
Mitero yebhadharo yehurumende inodziviswa zvichienderana nehuwandu hwakapiwa nemushandi paFomu W-4. Iyi nheyo inosimbisa bhikiti yemutero wevashandi:
- Nzvimbo yemhuri yemuchato, kusanganisira "mutungamiriri weimba," uye
- Mamiriro ekutsvaga kwemushandi: kutumira kusaroora, kuroorwa kwekuroora kana kuroora kana kuroora kana kuroorwa.
- Chero chipi nechipi chinowedzera kubhadhara zvakasarudzwa nemushandi.
Bhikiti yemutero wevashandi uye nzvimbo yekunyora inoshandiswa kugadzirisa federal mubhadharo wekubhadhara mari yekutora nguva yekubhadhara.
Izvo zvinorega kubhadhara zvinowedzerwa kune izvi kuitira kuti mari yacho yose idzivirire kubva kubhadharo yevashandi.
Iko mari yekubvisa imwe nguva yekubhadhara inotanga nebhadharo yakakomba uye rudzi rwekubhadhara nguva. Zvadaro hutano hwemushandi wehutano uye nhamba yekusunungurwa inowanikwa mukuverenga, pamwe chete nemari yakawanda iyo mushandi anoda kumira.
ZANO: Iva nechokwadi chokuti une fomu yeW-4 yakakurumbira kune umwe neumwe mushandi. Vashandi vanogona kutumira fomu itsva yeW-4 chero nguva, uye kakawanda sezvavanoshuva, asi kamwe chete pamubhadharo.
Zano: Hazvibvumirwi nemutemo kune mushandi kubatsira mushandi kugumisa fomu yeW-4 . Kana mushandi asina chokwadi, mumutungamirire kune iyi IRS inoreing calculator.
3. Bvisa chero hupi neHurumende uye yeNzvimbo yeNhepfenyuro.
Hurumende inorambidza zvishoma zvishoma, nokuti humwe hurumende ine mitemo yakasiyana-siyana uye mafomu ekubhadhara mubhadharo; dzimwe nheyo hadzina kubvisa nokuti haibhadhara mutero. Maguta akasiyana nemaguta anewo mitemo yavo pachavo. The Bureau of Labor Statistics ine chati yefomu inoshandiswa nehurumende imwe neimwe kuverenga hurumende yemutero unorega.
ZANO: Kana mushandi ari kushanda mune dzimwe nyika kana nzvimbo dzakasiyana-siyana mukati mehurumende, unogona kutora mutero wemari kubva kune dzimwe nyika kune imwe mubhadharo. Kana iwe uine vashandi mune dzimwe nyika, ungada kuwana rubatsiro rwebasa rekubhadhara kuti uedze kuchengeta zvese izvi zvakabviswa zvakananga.
Vamwe vanoti vane zvibvumirano zvekudzoka, zvichireva kuti havasi kubhadhara mari-kunze-yenyika. Semuenzaniso, mushandi anoshanda kuIowa uye uyo anogara kuIllinois haafaniri kubhadhara mari yeAll Iowa pamutero wake.
Chengetai urongwa hwekudzoka kwechibvumirano.
4. Usarega FICA mitero.
FICA mutero inosanganiswa neOASDI (Social Security) uye Mutero weMedare. Nzira yekuverenga mutero weFICA ndiyo nguva yakawanda yekubhadhara mushandi chikamu chemutero, iyo 7.65% (6.2% ye Social Social uye 1.45% yeMedare). Somuenzaniso, kana mubhadharo wakakosha wemushandi wekodhi iyo iri $ 500, mutero weFICA unoregererwa uri $ 38.25.
ZANO: Uchafanira kuzviitira zviyeuchidzo zviviri mukati megore. Nguva imwe neimwe yekubhadhara:
- Tarisa kuti uve nechokwadi chokuti mubhadharo wehutori wevashandi wegore rose haufaniri kudarika huwandu hwehupfumi hwevanhu hwegore iroro. Pakazobhadhara chikwereti chomushandi chinopfuura ichi chakanyanya, unofanira kumisa kubvisa Social Security (iyo 6.2%). Hakuchina hukuru pane Medicare chikamu.
- Iwe unofanirwa kuonawo kana mubhadharo wevashandi achiwana muyero weAd Additional Medicare mutero. Iyi yakawanda yebhadharo yakakomba inobva pane zvinodiwa zvewanano yevashandi. Panguva ino, unofanira kutanga kutora imwezve 0.9% (kuwedzera kune 1.45%).
- Cherechedza kuti kuchinja uku kune mushandi mushandi weFICA inorega kubvisa hako kuchinja zvaunoda kubhadhara FICA mutero semushandi.
5. Tora chero kupi zvayo kubhadhara kwokuzvidira.
Zvimwe zvinokonzerwa nokuzvidira zvinobvira, kusanganisira mapurogiramu ezvehutano hwehutano, zvigadzirwa, uye zvipo zvezvipo.
ZANO: Iva nechokwadi chokuti une zvinyorwa mumapepa emubhadharo wevashandi kuti aratidze mvumo yezvakabviswa chero kupi zvayo. Izvo chete ndezvokuti FICA mitero uye zvishongo kana zvimwe zvikwereti zvakarayirwa pamatare.
Kunyora Employee Paycheck
Iyezvino zvawakaraira mubhadharo wakabhadhara, wakatorwa uchidzivirira mitero yemari uye mitero yeFICA, uye chero ipi zvayo yakabviswa, iwe une mubhadharo wematare. Inguva yekunyora mubhadharo wemushandi.
ZANO: Mutemo weBurumende unoda kuti nemutengo wega wega unofanirwa kupa umwe neumwe mushandi neruzivo rwegore-kusvika-zuva zvakaenzana f kana kuti zvese kuverenga.