Ponoʻoe e uku i nāʻauhau ma kāu mau palekana Social Security? Malia
Ke kū nei. ʻO kāu mau pōmaikaʻi he meaʻole i keʻauhau kālā a iʻole i uku hapaʻia, e hilinaʻi ana i ka nui o kāu kālā i loaʻa mai nā kumu'ē aʻe. Eia keʻano o ka haʻiʻana.
Inā mālama ka palekana i kāu kumu waiwai o ka kālā
Ināʻaʻoleʻoe i hele a puni i kēlā 401 (k), ināʻaʻoleʻoe e hōʻiliʻili i ke kālā ma ka hoʻolimalimaʻana i kou home i kou wā e hele ai me kāu keiki kāne a kaikamahine paha, a inā ua haʻaleleʻoe i kāu hana,ʻo kāu kālā mālama ola ʻaʻole auhau.
He mau hōʻailona wale nō kēia -ʻo ke kumumanaʻo,ʻaʻoleʻoe e loaʻa i kekahi kālā'ē aʻe mai kēlā me kēia kumuhana. ʻAʻole pahaʻoe e waiho i kahi paneʻauhau ma kēiaʻano.
Ināʻoe e loaʻa nā kālā'ē aʻe
Inā loaʻa iāʻoe kekahi mau kumuwaiwai'ē aʻe e pili ana i kāu mau palekana Social Security, hiki i kahi hapa o kāu mau kōkua ke lilo i meaʻauhau. Hiki iāʻoe ke hoʻohana i ka Pepa Haʻawina Haulekana Ola i loko o nā Instructions no ka Pepa 1040 e helu ai i kāu nuiʻauhau, akā eia keʻano o kāna hana.
ʻO ka mea mua, e helu i kāu kālā no ka manawaʻole, a laila e hoʻohālikelike i kēlā me kēia i nā kumu kumu o ka pakuhi ma lalo nei. ʻO kāu kālā loaʻaʻole ka loaʻaʻana o kāu kālā loaʻa mai nā kumu'ē aʻe'ē aʻe, e like me ka uku kālā ukuʻole, a me ka hapalua o kāu palekana Social Security.
Hoʻohanaʻia kēia mau kumuhana no kaʻikeʻana i ka'āpana auhau o kāu mau palekana Social Security no nā makahikiʻauhau 2017 a me 2018.
| Ke kūlana hoʻopaʻa | ʻO ke kumu waiwai | Pākuʻi hou aku |
| Hoʻokahi | $ 25,000 | $ 34,000 |
| Ke poʻo o kaʻohana | $ 25,000 | $ 34,000 |
| Ka wahine kūpono i ka wahine make wahine (er) | $ 25,000 | $ 34,000 |
| No ka maleʻana | $ 32,000 | $ 44,000 |
| MāheleʻIkeʻana i ka Māhele | $ 0 |
Pehea ka'Ahawai Kūmole Kumu
E waiho i kēia ma ka'ōlelo Pelekānia maʻamau a hāʻawi aku i kahi hiʻohiʻona. E'ōlelo mākou e hōʻiliʻiliʻoe i $ 15,000 ma ka makahiki ma ka loaʻa kālā kālā. Ke hoʻomau neiʻoe e hana i kahi lā o hoʻokahi pule i ka pukaʻana aku i waho o ka hale aʻo ia, e kōkua i ka hanaʻana, a loaʻa iāʻoe $ 7,000 i ka makahiki i hala. ʻIkeʻoe i $ 18,000 i ka makahiki i nā uku palekana Social Security.
ʻO ka hapalua o ia mea e puka i kahi $ 9,000.
ʻO kāu kālā loaʻa kūpono no laila he $ 31,000:ʻo kāu kālā kālā kālā me kāu uku me $ 9,000 a 50% o kāu mau palekana Social Security. Inā kū hoʻokahi kou kuleana, kahi o ka homehold, a iʻole ka makuahine maʻamau,ʻo ka loaʻa kālā he $ 6,000 ma mua o ka nui o ka waihona $ 25,000 no laila e ukuʻoe i nāʻauhau ma kekahi hapa o kāu palekana Social Security. Inā ua puka mai ka nui i ka waihona waiwai o $ 25,000,ʻaʻole i noa ka ukuʻole o kāu mau kōkua.
I kēia manawa e pili ana i ka hōʻuluʻulu hou
A laila aia kekahiʻaoʻao'ē aʻe,ʻo ia ka "mea hou." ʻO kāu kālā piha o $ 31,000 he nui aku ia i ka nui o ke kumu no kāu kūlana waihoʻana, akā, emi mai ka nui o ka $ 34,000, no laila, ponoʻoe e uku i kaʻauhau ma 50 pasene o kāu mau palekana palekana.
ʻAʻole ia he 50 pakeneka auhau. Ponoʻoe e hōʻike a uku i kaʻauhauʻauhau ma $ 9,000 o kāu $ 18,000 ma ka loaʻa kālā Social Security.
Inā loaʻa kāu kālā loaʻaʻole ma mua o $ 34,000 ma ka 2017 aiʻole 2018, ponoʻoe e uku i kaʻauhauʻauhau ma ka 85 pakeneka o kāu mau kōkua palekana-ma kēia hōʻailona, $ 15,300 aiʻole 85% o $ 18,000.
Nā Kaulike no nā Hoa Hoʻokahi
Hoʻokahi nō kumu waihona a me nā lula nui e pili ana ināʻoe i male a me ke waihoʻana i ka hoʻihoʻiʻana o kaʻauhauʻokoʻa , akā e heluʻoe ma muli o kāu mau kālā a me kāu mau palekana Social Security.
ʻO nā mākua kāne e hoʻokaʻawale i nāʻauhauʻauhau heʻelua mau koho no ka heluʻana i ka maheleʻauhau o kā lākou palekana palekana. Inā noho likeʻoe ma ka home like i kēlā me kēia manawa i ka makahikiʻauhau, hoʻoemi kēia i kāu kumu waiwai o ka zero. E ukuʻoe ma kahi'āpana o kāu mau palekana palekana.
ʻO nā kāne male i noho kaʻawale i kēlā me kēia makahiki a hiki i ka makahiki holoʻokoʻa, hiki iā lākou ke hoʻohana i kahi waiwai nui o $ 25,000 a me ka nui o ka loaʻa kālā o $ 34,000 no ka heluʻana i ka'āpanaʻauhau o ko lākou mau kōkua, me he mea lā he hoʻokahi.
Ma kekahi hihia, inā pahaʻoe i male aiʻole male paha,ʻaʻole hiki i ka'āpana auhau o kāu mau palekana Social Securityʻoi aʻe ma mua o 85 pakeneka o kāu mau pōmaikaʻi piha.
Ka kāohiʻana i nā kōkua palekana
Hiki iāʻoe ke koho e hoʻokaʻawaleʻia kaʻauhauʻauhauʻauhau mai kāu mau palekana Social Security inā loaʻa iāʻoe kahi kumu e noʻonoʻo ai e hoʻopauʻoe i ka ukuʻauhau ma kekahi hapa o lākou.
Hiki ke kāohiʻia kaʻauhau kālāʻaupuni ma kahi o 7 pakeneka, 10 pakeneka, 15 pakeneka, aiʻole 25 hapaha. Fili Pelekane W-4V (PDF) e hōʻike i ka Nānā Haulekana i ka nui o kaʻauhau āu e makemake ai e kāohi.
Uaʻokoʻa nāʻAi Moku'āina
ʻOiai ka hapanui o nā moku'āina e nele i ka uku mālama mālama kālā mai kaʻauhauʻana, eʻauhauʻia he 5 pakeneka o kāu mau waiwai ma Ianuali 2018: Rhode Island, Vermont, North Dakota, West Virginia, a me Minnesota. ʻEwalu mau moku'āina'ē aʻe -ʻo'Isepia, Nebraska, New Mexico, Montana, Missouri, Kansas, Connecticut a me Colorado-eʻauhau pū nō hoʻi lākou i ka palekana Social Security ma kekahiʻano ākea, akā, hāʻawi lākou i nā haʻalēlā e pili ana i kou makahiki a me kaʻike kālā. Inā nohoʻoe ma kekahi o kēia mauʻauhauʻauhau, mai hoʻoneleʻoe i ka hoʻolālā no nāʻauhau'āina.
ʻO kēia keʻano o nā rula. Inā loaʻa iāʻoe he mau kumuwaiwai'ē aʻe, e noʻonoʻo e kūkākūkā me nā meaʻoihana kālepa e hoʻopau i kāu kuleana kūpono.