Kuverenga Mitemo yeHurumende yeHurumende Inorega, FICA Mutero, uye Zvimwe
Uri kuedza kuita iwe pamba yako yekugadzirisa ? Kuverenga kubhadhara uye kubviswa kwevashandi vanobhadhara hazvisi nyore kana iwe ukatevera matanho akazara pano.
Chinangwa chako mune izvi ndechokuti uwane kubva pamutengo wekubhadhara zvakakwana (mubhadharo wakadzama ndiwo mari chaiyo iwe unobhadhara mushandi) kumutero wakakwana (iyo mubayiro webhadharo yevashandi). Mushure mekunge maverenga mubhadharo wekubhadhara pamutengo wekubhadhara, unofanira kutora kana kubvisa mari ye federal income tax inholding, mutero weFICA (Social Security / Medicare), mutero wehurumende uye wemunharaunda, uye zvimwe zvakabviswa.
ZVIMWE ZVAKAITIKA: Mutemo Mutsva Wemitemo Unosangana neAholding Calculations
Mitero Cuts uye Jobs Act, yakasayirwa neMutungamiri Trump musi waDecember 22, 2017, yakashandura mitero yevateresi vakawanda veAmerica. Izvi zvinoshandiswa kuchinja zvinoreva kushanduka kwekudzivirira matafura uye zvingada mhando itsva yeW-4 kune vashandi vakawanda. I IRS yakabudisa yakarongeka mitero yematafura uye inokurudzira vashandi kuti vaite shanduko dzinodiwa nekukurumidza, asi kwete mushure meFebruary 15, 2018.
Tsanangudzo yekuti izvi zvinoshandiswa sei zvinokanganisa iwe mubhadharo dzako zvinotsanangurwa munyaya ino.
Ndechipi musiyano pakati pekubviswa uye kubvisa?
Kuchengetedza izwi rinoshandiswa kumatare ehurumende kana hurumende, semutero wemari uye FICA mitero, iyo inotorwa kubva kumushandi kubhadharwa. Kubviswa kune zvimwe zviyero zvinogona kutorwa kubva kumubhadharo wevashandi, sekubhadhara mari, kubhadhara kwehutano, kana mari yakakosha nemipiro.
Shandisa Purogiramu Yese Pose Kuverenga
Pose mubhadharo inowanikwa mubhadharo wevashandi panguva yekubhadhara mari. Paunenge uchiverenga zviyero zvekuregererwa uye kubhadhara, iwe unofanira kushandisa mari yekubhadhara yakawanda yevashandi pane imwe neimwe kuverengwa. Kuverenga hakusi kufambira mberi, uye zvishoma uye zviduku zvinoshandiswa pakuverenga. Ona tsanangudzo yakawanda yekuenzanisa pasi apa kuti uwane mamwe mashoko pamusoro pekuti izvi zvinoshanda sei.
Chero bedzi kune mutemo uyu ndeipi kana iwe uchitora federal mubhadharo wekubhadhara usingashandisi uchishandisa nzira yeperesenti (yakatsanangurwa pasi apa).
01 - Nhanho Yokutanga: Iva Fomu yeW-4 Kubva Nomumwe Nomushandi
IRS inoda kuti vashandi vese muUnited States vanyore IRS Form W-4 mubhadharo. Iyi fomu inosanganisira ruzivo rwakakosha iwe uchada kubhadhara mushandi uye kuti uwane mari yakakwana uye kubvisa zvakanyatsoverengwa pamusoro pemubhadharo wevashandi.
Mukuwedzera kune zita romushandi uye kero, iyo inonyanya kukosha ndeyekuti:
- Nhamba yekuchengeteka kwehuwandu hwevashandi
- Nhengo yemhuri yemuchato,
- Nhamba yezvipo izvo mushandi ari kuda uye
- Chero mari yakawanda iyo mushandi anoda kuti atore kubva pamubhadharo mumwe nomumwe.
Mamiriro ekuroorana, zvipo, uye mari yakawedzerwa ichadiwa pakuverenga kubata muChitatu Chechina.
02 - Chikamu Chechipiri: Verenga Gross Pay
Vashandi vanobhadhara vanobva vatanga semari inobhadhara. Pose mubhadharo ndiwo muwandu webhadharo. Kune vashandi vanobhadhara, iyo mari yegore negore yakaparadzaniswa nenhamba yekubhadhara nguva. Kwevashandi veawa, ndiyo nhamba yemaawa anoshandiswa nguva nguva iyo muyero (kusanganisira maawa akawanda.
Kana iwe usingazivi kuti ndeapi vashandi iwe, verenga nyaya ino pamusoro pemusiyano uri pakati pevashandi nevashandi veawa.
Heano mienzaniso yemari yekubhadhara kwakadzama kunowanikwa kune vashandi vanobhadhara uye maawa imwechete kana pasina nguva yakawedzerwa yakabatanidzwa panguva iyoyo yekubhadhara:
Mumwe mushandi akabhadhara anobhadharwa mari yegore negore. Ngatitii mari yegore negore ndeye $ 30,000. Mari iyo yegore negore yakakamurwa nenhamba yekubhadharwa kwegore mugore kuti uwane mubhadharo wakakwana kune imwe nguva yekubhadhara. Kana iwe uchibhadhara vashandi vanoshandira kaviri pamwedzi, pane maawa makumi maviri nemanomwe ekubhadhara mugore, uye mubhadharo wakakwana kune imwe nguva yekubhadhara iri $ 1250 ($ 30,000 akaparadzaniswa ne24).
Mushandi wepaawa wega wega anobhadharwa pamutengo weawa wega webhadharo. Kana purogiramu yevashandi paawa imwe neimwe iri $ 12 uye iye akashanda maawa 38 munguva yekubhadhara, mubhadharo wake wakazara webhadhakiti iyo ndeye $ 456.00 ($ 12 x 38).
Asi iwe hauna kubhadharwa zvakanyanya asi kana nguva yepamusoro inobhadharwa. Zvadaro, iwe unoda kuverenga nguva yepamusoro yevashandi veawa imwechete uye vamwe vashandi vanobhadhara. Nguva yepamusoro yekubhadhara inofanira kuwedzerwa kubhadharwa nguva dzose kuti uwane mubhadharo wakakomba.
03 - Danho rechitatu: Verenga Maawa Okuwedzera
Vose vashandi venguva imwechete vane kodzero yekuwedzerwa nguva yakawanda kana vakashanda maawa makumi mana muvhiki. Vamwe vashandi vanobhadhara vanoregererwa kubva pane nguva yakawanda, zvichienderana nehuwandu hwavo hwekubhadhara. Vashandi vanobhadhara mubhadharo vanofanira kubhadharwa nguva yakawanda kana mubhadharo wavo wakaenzana ne $ 455 pavhiki ($ 23,660 gore roga roga), kunyange kana vakaiswa sevasingabhadharwi.
Mutemo webasa rezvematongerwo enyika unoda zvishoma zvishoma zvinoda nguva yakawanda imwechete nehafu yenguva yehora yeawa yeawa rose kupfuura 40 muvhiki. Iwe unogona kubhadhara kupfuura iyi inodarika nguva yakareba, asi nokuda kwezvinangwa zvedu apa tichashandisa mari inodiwa. Vamwe vanotiwo vane mitemo yakawedzerwa nguva inoda kuti nguva yakawedzerwa inofanira kubhadharwa pamatunhu akakwirira. Tarisa dhipatimendi rehurumende yebasa rako kuti uwane mamwe mashoko
Heano muenzaniso wekuti nguva yakawedzerwa inotorwa sei:
Sandy inoshanda maawa makumi mana nevhiki. Ane kodzero yekuwedzerwa maawa akawanda kwemaawa matatu pa55 nguva yake yeawa yega yega. Kana iyo yeawa yega yega iri $ 12, inogamuchira nguva yakawanda pamutengo we $ 18 kwemaawa matatu, zvachose madhora makumi matanhatu nemazana makumi matanhatu. Iyi nguva yakawedzerwa yakawedzerwa kumubhadharo wenguva dzose ye $ 480 (40 maawa x $ 12), nokuda kwe $ 534. Uyu ndiwo mubhadharo wake wakakomba wenguva yekubhadhara.
Izvi zvinyorwa pamaawa ekuwedzera zvinogona kukubatsira kuronga nguva yakawanda yekubhadhara:
Vashandi vehora uye nguva inopfuura
Kusunungurwa nevashumiri vasingasunungurwi: Mitemo yepamutemo
04 - Nhanho Yechipiri: Shandisa Federal Income Tax (FIT) Inholding Inani
Kuti uverenge Federal Federal Revenue kubhadhara iwe unoda:
- Mubhadharo mukuru wemushandi wechibhadharo panguva yekubhadhara
- Womuchina W-4 weshizha, uye
- Kopi yematafura emitero kubva ku IRS muPasicha 15: Mutero weVatori vemutero ). Iva nechokwadi chokuti une tafura yegore rakarurama. Tafura yakashandurwa zvakanaka musi waJanuary 1, 2018, saka iwe uchada tafura ye 2018.
Endai kune peji iri paPublication 15 iyo inoti: "Mazana Maitiro Tables for Revenue Tax"
Tarisa tafura iyo inofananidzwa:
- Nezvekuroorwa. Usina kuroorwa (kusanganisira nzvimbo yepamusoro-mumba) uri kuruboshwe uye wakaroora ari kurudyi.
- Chengeta nguva yakadaro. Izvi zvinowanikwa kwevhiki nevhiki kusvika kune gore (kureva kuti munhu anowanikwa kamwechete pagore). Bi-vhiki imwe neimwe yevhiki imwe neimwe (imwe neimwe yeChishanu, somuenzaniso), uye semwedzi-mwedzi inenge iine kaviri pamwedzi (yekutanga uye yegumi nemashanu, somuenzaniso).
- Zvadaro uwane mubhadharo wemunhu wacho patafura iyoyo.
Ngatiti iwe uri kutarisa mubhadharo wevhiki nevhiki kune munhu akaroora.
Tarisa pasi kurutivi rworuboshwe kuti uwane chikamu chebhadharo yevhiki nevhiki kumunhu iyeye. Ngatitii $ 1500. Tsvaga $ 1500 mu "Pamusoro ... Asi kwete pane" mazita. $ 1500 inopfuura $ 525 asi kwete kupfuura $ 1626.
Uchaona mutsara uyu:
Nhamba yemutero wemari yekutora ndeyekuti:
Kupfuura- Asi kwete kupfuura-kubva pane zvakanyanya kupfuura-
$ 525 $ 1626 $ 35.90 uye 15% - $ 525
Kune matanho anoverengeka kune chikamu chinotevera.
1. Isa pasi $ 35.90 kubva ku "Mutero Wechete Kuti Usachengete".
2. Zvadaro, unoda kuwana zvakanyanya zvekubhadhara kwevashandi vako kubva pane nhamba mu "yepamusoro pepamusoro". Bvisa $ 525 kubva pa $ 1500; iyo inokupa iwe $ 475.
3. Mamiriyoni $ 475 ne 15% muchikamu chechitatu. Izvozvo zvinokupa $ 146.25.
4. Wedzera $ 146.25 kune $ 35.90 kuenzana $ 182.15. Ndiyo mari yaunorega kubva pamubhadharo wemunhu kune federal income tax.
IRS ine inholding calculator kuitira kuti izvi zvive nyore kana une vashandi vakawanda.
Zvadaro, uchada kuverenga FICA mutero.
05 - Chishanu Chete: Calculate Social Security uye Medicare Dheuctions
Iwe unofanira kutora mitero yeFICA (Social Security neMedare) kubva kumushandi kubhadhara cheki. Iko kuverenga kwezvikwereti izvi kwakanaka chaizvo. Nhamba yeFICA mutero ndeye 15.3% yebhadharo yakazara yevashandi.
Hafu yehuwandu (7.65%) yakadzivirirwa kubva kubhadharo yevashandi, uye hafu inobhadharwa nemushandi.
Kune mushandi wepamusoro, ane $ 1500 mubhadharo yevhiki nevhiki, kuverenga kuri $ 1500 x 7.65% (.0765) ye $ 114.75.
Ngwarira kuti usatora mari yakawanda yeHurumende yekuchengetedza kubva kune vashandi vane mari yakawanda, sezvo Social Security yakachengetwa gore roga roga, pamwe chete nemari yakawanda inogadzirirwa ne Social Social Administration.
Iwe uchazofanirawo kufunga nezvekuwedzerwa kwemutero weMedare kunokonzerwa nevashandi vanowana mari yakawanda, iyo inotanga apo mushandi anosvika pane imwe mari yekubhadhara kwegore. Imwe mimwe mitero inokwana 0.9% yebhadharo yakazara, uye inotanga pa $ 200,000, zvichienderana nehuwandu hweW-4 yevashandi. Hapana mimwe mitero inobva kumushandi.
06 - Nhanho Yechitanhatu: Tora Hurumende Inobhadhara Mitero
Zvizhinji zvezvematongerwo enyika zvinorayira mitero yemari pamabasa ekubhadhara uye mubhadharo. Iwe unofanirwa kuita tsvakurudzo kuti uone kuwanda kwezvikwereti izvi uye kuti ungavatumira sei kumamiriro akakodzera enyika / kutengesa mutero. Mabasa ako seanoshandira kubhadhara, kubhadhara, nekupa mitero iyi inokurukurwa munyaya ino.
Yeuka kushandisa mubhadharo wakakomba zvakare nokuda kwekuderedzwa kwemutero wehurumende.
Dzokera kune Zvose Pamusoro Pamitero Yemitero
07 - Nhanho Yechinomwe: Tora Zvimwe Zvokubvisa
Iwe hausi kunyatsoitwa nekuderedza. Heano zvimwe zvimwe zvingabhadharwa kubva kubhadharo yevashandi iwe ungada kuverenga:
- Kubviswa kwezvipo zvevashandi kurongwa hwehutano hwehutano
- Deductions for 401 (k) kana imwe chirongwa chekurega basa
- Kubviswa kwezvipo kune mari yekambani yekambani kana zvipo zvezvipo.
Yeuka, zvese zvakabviswa zvinobva pabhadharo yakazara.
08 - Pakupedzisira, Muenzaniso wekuti Mushandi wepa Pay Stub Achatarisa sei
Muzvakaitika kune mushandi wepamusoro, mari yekubhadhara kwevhiki nevhiki yaiita seyiyi:
Gross Pay FIT Kurambidza FICA Kurambidza Zvimwe Deducts Net Pay
$ 1500.00 $ 182.15 $ 146.25 $ 0 $ 1171.60
09 - Kushandisa Mitemo yeTestamende Tables kuverenga Federal Federal Revenue Kubhadhara
Iko yepakati yenzira yekuverenga kubvisa ndeimwe nzira yekuverenga yekuverenga. Iko kuverenga hakusi kwekubhadhara kwakakomba asi pamatare emutero mushure mekuderedzwa kwezvikwereti zvacho zvisingabhadharwi. Kwegore ra2018, IRS yakabudisa mashoko pamusoro peChitsauko 1036 inotsanangura kuti iyo inopesera nzira inoshanda sei.
Kutanga, iwe unotora nhamba yose yezvipo (paNzira 5 yefomu) kubva pakubhadhara kwakakwana kwemaawa ekubhadhara. Kana mushandi ane zvikwereti zviviri uye achibhadharwa vhiki nevhiki, chiyero chekutora chikava $ 159.60. Kana mubhadharo wevashandi wevhiki nevhiki uri $ 650.00, mari inoshandiswa muhuwandu ingadai iri $ 650 pasi $ 159.60, kana $ 490.40. Zvadaro shandisa tafura paZviso 1036 kuti uverenge kubvisa nenzira imwecheteyo seChitatu Chechina.
10 - Uye Usakanganwa Kubhadhara Payroll yako Mitero
Iwe unofanirwa kuisa mari pamwe ne IRS yemitero isingabhadharwi kubva kubhizimisi kubhadharira mitero yemari yemutero uye FICA mitero uye mari yaunokweretesa semushandi. Kunyanya, mushure memubhadharo mumwe nomumwe, unofanira
- Chengeta federal income tax kubhadhara kubva kune vashandi vose
- Bhadhara mutero weFICA unorega kuvashandi vose, uye
- Bhara hafu yako yebhadharo yeFICA kune vashandi vose.
Zvichienderana nehukuru hwebhadharo yako, unofanirwa kuisa mari pamwedzi kana kwemavhiki.
Iwe unofanirwawo kuisa mushumo wekota wepaFomu 941 uchiratidza mari yaunokwereta uye kuti wakabhadhara zvakadini.