Dzidza Nezvaunotarisirwa Apo Unoshandiswa uye Uzvishanda
Kubhadhara Kuzvipira Kwese Mitero uye FICA Mitero
Kana iwe uri wekushanda uye iwewo unowana mubairo kana mubhadharo kubva kumabasa, yako Social Security uye Medicare kukodzera uye mutero wega wega wekushanda unoshandiswa.
Iwe uri kuzvishanda iwe pachako kana uchiita mari mubhizinesi rako pachako, sechinhu chakazvimiririra, kambani , freelancer, wega wega, wekushandira pamwe, kana nhengo ye LLC kana S s corporation. Kana iwe uine kambani, iwe hausi wekushanda.
FICA Mitero inorwisana Nezvokuzvipira Mitero - Ndeipi Kusiyana?
Zvakavhiringidza kutaura pamusoro pemutero weFICA uye mutero wekuzvitsvaga semabasa sekunge ivo vakasiyana, asi mazwi acho chaizvoizvo achitaura nezvechinhu chimwe chete: Social Security uye Medicare mutero kune mari yawanikwa. FICA mutero i Social Security / Medicare mutero pamabasa; Mutero wekuzvitsvaga (dzimwe nguva unonzi SECA) ndeye Social Security / Medicare mutero pamusoro pekuzvishanda. Uyewo cherechedza kuti wako waunoshandira aripa hafu yemutero weFICA unofanirwa, iwe iwe seunoshanda iwe pachako unofanira kubhadhara mari yose ye Social Security / Medicare pamusoro pemari yako yebasa.
Kuzvipira
Munhu anozvishanda anogona kuva mumwe munhu anomhanya bhizinesi semugove wega, mutezi we LLC, kana wekushandira pamwe naye.
Iwe unogona kunge usina hurumende yakarongeka, asi iwe unoshuma mabhizimisi ako emitero paChechi C nemutero wako wekudzokera.
IRS inoti iwe uri kuzvipira kana:
- Iwe unofamba uchiita bhizinesi kana bhizinesi semunhu wega wega kana kuti kambani yekuzvimirira.
- Iwe uri nhengo yebambirano inobata pabasa kana bhizinesi.
- Iwe unenge uri mune bhizinesi iwe pachako (kusanganisira bhizimisi remazana)
Ikozvino, kana iwe uri mubhizinesi kuti uwane mari, iwe unonzi uri kushanda.
Iyo Mitero Iyi Inobhadharwa
- Vashandi vako VANOFANIRA kurega mitero yeFICA (Social Security neMedare) kubva pamabasa ako emabasa.
- Iwe unofanirwa kubhadhara mutero webasa rako pachako pamutengo unobatsira webasa rako kana uchiri kukwereta mitero iyi mushure mokufungisisa mari yako yose yegore.
Iwe unofanirwa kubhadhara iyi mitero pamutengo wako wose. Asi iwe haugoni kudarika-kubhadhara kunze kwekunge iwe waunoshandira akaita chikanganiso chekuverenga. Heino tsanangudzo yakajeka yekuti nzira yekugadzirisa nekubhadhara mitero yeHuman Security / Medicare inoshandiswa sei:
Basa uye FICA Mutero
Mari yako yebasa uye mutero weFICA wakabhadhara unotanga kutanga. Washandi wako anorega Social Security uye Medicare mutero kubva pamarikiti yako semushandi. Mutero Wekuchengetedzwa Kwemagariro unoiswa pamwero wegore rimwe nerimwe pane imwe nzvimbo yepfuma. Kana mari yako yegore ichipfuura iyo iyo, iwe unobva urega kubhadhara mutero we Social Social. Mutero we Medicare hauna kutorwa.
Mutero Wokuzvipira
Kana iwe uri wekushanda, iwe unobhadhara mutero webasa rako (SECA) zvichienderana nemutengo wako (pfuma) kubva mubhizinesi rako. Iwe unobhadhara iyi mutero iyo inenge ye12,6% yemari inowanikwa. Iwe haufaniri kubhadhara mutero uyu sezvaunofamba sezvo iwe haufaniri kuubvisa kubva pamari yako yebhizimisi.
Iwe hauna kuwana mubhadharo kubva kubhizinesi rako sezvo iwe hausi mushandi. Iyi mutero haigari kuverengwa kusvikira mari yako yemari yebhizimisi yakatarwa panguva yemutero. Nzira yakashandiswa kuverenga mutero wekuzvitsvaga basa iri Purogiramu SE.
Kuverenga Mutero Wekuzvipira
Kuti ndikuratidze kuti basa uye vanozvishanda vanofungidzirwa sei kweSocial Security uye Medicare mitero, heino (yakawanda-yakanyanyisa) nzira yekuverenga mutero webasa roga roga paIndaneti SE :
- Chokutanga, mari inowanikwa kubva mubhizimusi rako gore iroro inopinda.
- Chechipiri, mubairo wekutengesa kubhadhara mutero kunowanikwa.
- Chechitatu, chero mari inowanikwa mubasa uye mari yeFICA inotorwa.
Pakupedzisira, mari yakatobhadhara kubva kubasa rako yakabviswa kubva kuHarare Social / Medicare mutero wakabhadhara. Kana pane chimwe chakasara, inokonzerwa nemutero webasa, pamutero wako wega wekudzoka.
Muenzaniso Wekuzvipira Kwekubhadhara Mutero
Ngatiti iwe wakagamuchira $ 50,000 kubva kubasa uye $ 30,000 mari yakawanda kubva kubasa rako pachako muna 2016. Zvose zvinodarika madhora makumi matanhatu nemakumi matatu kubva pamari yako uye basa rako roga roga rakaperera kupfuura Social Social Security rinosvika $ 117,000, saka iwe Social Security Tax inokonzerwa nezvose mari yako.
Ngatiti $ 3 100 muFICA mitero yakadzivirirwa kubva pamubhadharo wako.Une chikwereti che $ 3720 semutero webasa rako pachako pamari ye $ 30,000 yekuzvitsvaga basa rako. (Kuverenga kunotora zvishoma zvinyengeri pano; izvi zvingasava zvakarurama, zvichienderana nemamiriro ako chaiwo.)
Iko $ 3720 iwe unokwereta semutero wekushanda iwe pachayo inowanikwa paNyoro 27 yeFomu yako 1040, uye inosanganiswa nemutero wemutero iwe unokwereta kuti uone yako yose yebhadharo yegore.
Kana mari yako kubva kubasa uye basa rako pachako rakakura kudarika Social Security yakakura, iwe uchiri kuenderera mberi uchibhadhara mutero weMedare. Hapana chikwata chemutero weMedare, uye iwe unogonawo kudiwa kubhadhara mutero weMedare unowanikwa we 2.9% kana mari yako inopfuura imwe mari.
Kubhadhara Mutero Wako Wokuzvipira
Nokuti mutero wekushanda iwe pachako hauna kudziviswa, iwe unogona kuva nehomwe huru yemutero pamutero wekubhadhara mutero. Vatengi vebhizimisi vanoita mari yekufungidzirwa kwemaawa mana, kusanganisira mari inofungidzirwa yemitero yebasa roga roga pamwe chete nemari inofungidzirwa mari. Iwe unogonawo kuwedzera yako federal uye hurumende yemari yemari inobhadharwa kubva kubasa rako kuti uwane mari iyi yakawedzerwa.
Kuti uwane mamwe ruzivo uye mienzaniso, ona nyaya ino pa Self-Employment and Social Security Tax , kubva pa Social Security Administration.