Ndezvipi Zvinoshandiswa Nekushanda Kwemabasa Unofanira Kubhadhara
Zvakanakisisa kunamatira nekubhadhara chete ivo vanofambisa mari inobvumidzwa ne IRS sekuderedzwa kubva kumutero wevashandi kudzoka.
Maererano ne IRS , mari inoshandiswa yekutama kune vashandi inosanganisira chete
"zvinonzwisisika mari ye:
Kuendesa zvinhu zveimba uye zvigadzirwa zvemunhu kubva kumusha wekare kumusha mutsva, uye
Kufamba (kusanganisira pokugara) kubva kune imwe yeimba kumusha mutsva.
Kubhadharwa kwezvisiri zvekubhadhara mari zvinogara zvichibhadhara kune mushandi, kunyange kana kubhadharwa kunogona kuve sarudzo yekuzvidavirira (sezvinotsanangurwa pasi apa).
Mitero Inoshandiswa Kwevashandi Vekushanda Kwemari Kubhadharwa
Pakawanda, kubhadhara kupi zvako kwaunoita kuvashandi kunotengesa, uye kubhadhara mushandi kushandura mari kunofanirwa kubhadhara mari inobhadhara. Asi kune nzira yekuita rubatsiro rusina kukwereta kune mushandi.
Kana iwe uchida kuti mushandi wekutengesa mari yaanoshandira asave asingabhadhara kune mushandi (IRS inoshandisa shoko rokuti "rakabviswa" kubva pamitero), unofanira kuiripa kuburikidza nezvo IRS inoshevedza chirongwa chekuzvidavirira .
Muchiitiko ichi, mushandi anobhadhara mari uye iwe unozvidzorera.
Kuti uwane zviyero zveurongwa hwekuzvidavirira, mari inofanirwa kunge inofanirwa uye inongororwa chete inogona kubhadharwa. Iko mari inofanirwa kunge inofanirawo kuva yebhizinesi chinangwa.
Mushandi wacho anofanira kunge akabhadhara kana kuti akashandisa deductible mari paanenge achiita mabasa semushandi wekambani yako. Iwe unogona kutora kunyora kuti kufamba kunodiwa nebhizimisi rako.
Kunewo mamwe maitiro ekugadzirisa anofanirwa kuteverwa kuitira kuti chirongwa chekubhadhara chive
- Mushandi anofanira " kukwanisa kubhadhara mari idzi munguva yakafanira." Iko kuti, mushandi anofanira kukupa risiti yemari yose.
- Kana iwe uchipa mushandi kufambira mberi kwezvinhu izvi, mushandi anofanira kudzorera chero mari yakawandisa mukati mechinguva.
Semuenzaniso, ngatiti iwe unofambisa $ 5,000 pamusana pekutamira mari uye mushandi anokupa risiti ye $ 3 660. Mushandi anofanira kukupa cheki yebhaari ($ 1,350). Kana zvose zvinotarisirwa kuita chirongwa chekuzvidavirira hazvisati zvasangana, chirongwa hachisi chirongwa chekuzvidavirira. Uye " kubhadharwa kwe nondeductible expenses " (kumushandi) uye zvipo zvezvinhu zvakasiyana kana zvisingatauri mari zvinotengesa kune mushandi.
Kungofanirwa kunyatsojeka: Kupiridzwa kunoitwa kune vashandi pasi peurongwa husingagoneki kunofanirwa kutarisirwa semutero (kusanganisira kubata), kunyange kana kubhadharwa kune mari inodzingwa kumushandi. Uye chero zvikwereti zvisingabhadharwi nemataiti, kunyange kana zviri chikamu cheurongwa hunopomera mhosva, inobhadharwa uye inenge ichidzivirirwa.
Kuchengetedza Mitero Yebhadharo paMoving Expense Payments kune Vashandi
Kana zvikwereti zvikaitwa pasi pezvigadziriswa zveurongwa hwekuzvidavirira, uye mamiriro ose akadikanwa akazadziswa, kubhadhara kune vashandi kwekufambisa mari haisi pasi pekuregererwa.
Kuendesa mari zvinodhura zvisingagadziri pasi pezvinotarisirwa kuita chirongwa chekuzvidavirira (zvinorondedzerwa pamusoro) zvinotarisirwa kubhadhara mitero yemutero, FICA mitero (Social Security neMedare), uye mitemo yehurumende isina kukwana.
Kuzivisa Kuendesa Kwemari Kubhadhara Pamusoro Womufambisi W-2 Fomu
Kana kubhadharwa kumushandi kunosangana nemamiriro ose eurongwa hwekuzvidavirira, sezvinotsanangurwa pamusoro apa, haufaniri kuisa izvi kubhadharwa kune W-2 yevashandi. Kana mushandi akakupa gwaro rakakwana rekubhadhara mari, asi mari yakawandisa haina kubhadharwa, iwe uchada kutarisa nebasa rako rekubhadhara kana mutero wekutereta kuti uone kuti ungarondedzera sei mutero uye usingabhadharwi mari. Iwe unofanirwa kuudza chiyero chezvibatsiro izvi paunopedza W-2 mushumo wemutero wegore negore kune mushandi wegore rapfuura.
Patriot Software inopa humwe hutsananguro pamusoro pekuti mari iyi inopinda sei muhuwandu hweW-2 yevashandi. Tichashandisa muenzaniso uri pamusoro apa, apo mushandi anogamuchira $ 5,000 kuti aende mari, ave nemari ye $ 3 660, uye anochengeta mari inosvika $ 1,350. Mari iyo mushandi anoichengeta inotengesa kune mushandi. Tichafunga kuti kubhadhara iko kunoitwa pasi pezvido zvepurogiramu yekuzvidavirira, sezvinotsanangurwa pamusoro apa:
- Mari inokwana $ 1,350 inowanikwa muBhokisi 1 reW-2 (uye mumabhokisi 3, 5, uye 16, kana yakabhadharwa nehurumende kana guta).
- Hurumende uye hurumende inotora mari inotora mari uye FICA mitero inofanira kuverengwa ye $ 1,350 inotengesa uye inowanikwa mumabhokisi akakodzera paW-2.
- Unofanirwa kuisa $ 3 660 (chikamu chakaenzana nechiyero chechikwereti (somuenzaniso, chikamu chisina kukwana) mubhokisi 12 yeFomu W-2 uchishandisa kadhi "L."
Kuti uwane mamwe mashoko pamusoro pekuti izvi zvinoshanda sei, ona IRS Publication 15 (Circular E).
Kupa Mushandi Mari Yakawedzerwa Yokufambisa Mari
Mamwe mabhizimisi anopa vashandi mari yakagadzirirwa yekufambisa mari, zvichienderana nerudzi rwekufamba uye kure. Kubhadhara kunogona kuderedzwa kune bhizinesi rako sebhizimusi mari.
Kana iwe uchida kupa mushandi mari yekufambisa mari uye rega mushandi asarudze kuti mari iyi ichashandiswa sei, une chirongwa chisingaenzaniswi, maererano nemitemo ye IRS. Muchiitiko ichi, sezvakataurwa pamusoro apa, kana iwe usingadi kuti mushandi aratidze kuratidza maresi, kubhadhara kwose kunokweretwa kune mushandi semubatsiro. Mukuwedzera, mutero wemutero weFeral uye mutero weFICA unofanirwa kuchengetwa pamubhadhara.
Muchiitiko ichi, iwe unogona kuwedzera kuwedzera kuwedzera mari yakawedzera kumubhadharo kuti ubatsire mushandi ane mimwe mitero inofanira kubhadharwa. Izvi zvinonzi "kukwidza" cheki, uye zvakaitwa kupa mubhadharo mari chaiyo yebhadharo, mushure mekuteresa.
Somuenzaniso, kana iwe uchibhadhara mushandi $ 2 000 mukufambisa mari, iwe unogona kuita zvakakwana-up kuverenga kupa zvinopfuura $ 2,000 kuti uvhare mitero inowanikwa. Patriot Software ine purogiramu yakazara-up calculator inogona kukubatsira neizvi.
Vashandi Vanoshandiswa Kufambisa Mari Vanodzingwa
Kubhadhara kwevashandi kushambadzira mari ndeyebhadharo yebhizimisi yakakodzwa kubhizinesi rako. Vashandi vanofambisa kudhura kwevashandi kune vashandi vanofanira kugoverwa kune avo vashandi vanogona kubvisa pamutero wavo wekubhadhara. Izvo zvinoreva kungoita mari yekuendesa zvinhu zveimba uye yekufambisa mari kune nzvimbo itsva kune mushandi pamwe nemhuri yake.
Kuudza Vashandi Nezvemari yekufambisa Chirongwa chekubhadharwa
Sezvo kune umwe umwe mushandi anobatsira, vashandi vose vanofanira kutarisirwa zvakafanana. Iwe unokwanisa kugadzirisa zvirongwa zvekukwanisa kugadzirisa urongwa hwehuwandu hwevashandi (vanobhadhara kana vari nguva imwe chete, somuenzaniso), asi haugoni kupa mumwe mushandi muchikwata chimwechete zvimwe zvekubatsirwa pane imwe.
Iko nguva dzose pfungwa yakanaka yekuisa rudzi urwu rwekubatsira mukunyora uye kuisanganisira mukutaura kwako nevashandi. Bhuku rako rekushandisa bhuku kana mazano uye mabhuku ehurongwa ndiyo nzvimbo yakanaka yekutsanangura urongwa. Usakanganwa kubatanidza ruzivo pamusoro pemutero unobatanidzwa wezvibatsiro izvi.
Kubatsira Vashandi Nekuda Kwadzo Kushandiswa Kwekutsvaga
Kunze kwekuti iwe uri muchengeti wekodzero yemutero , kupa mazano kune vashandi nezvekubviswa kwebhadharo yekutora haisi chinhu chakanaka chaunofanira kuita. Kurudzirai vashandirwi venyu kuti vawane mazano emitero yezvesayenzi kana kushandisa shanduro yemutero software . Hezvino zvimwe zvinhu zvaungaita kuti ubatsire vashandi kunzwisisa izvi zvinoshandiswa mari inoshandiswa uye inobata sei mitero yavo:
- Ipai vashandi basa rekugadzirisa basa rinotsanangura kuti sei nekufamba kwemari kuchabhadharwa nekambani yako.
- Ipai vashandi mukana wekushandura kubata kwavo (paFomu W-4 ) kuti vaite nhoroondo yekubhadhara kwokutanga kwekubhadharwa.