ʻO nā kālā i loaʻaʻole i loko o ka waihona kālā e like me ka uku makahiki, ka uku penikala, ka hāʻawiʻana i nā waihona makahiki hoʻolimalima, ke kālā waiwai kālā, ka uku waiwai, nā'āpana kālā, nā waiwai i loaʻa i ka waiwai hoʻolimalima, alimony,
Ponoʻoe i loaʻa kālā e loaʻa i ka hāʻawi IRA a iʻoleʻo Roth IRA. No laila, i ka manawa i haʻalele ai a paʻaʻole aiʻoe i ka hana,ʻaʻole hiki iāʻoe ke hana hou i kāu mau hoʻopiʻi hoʻomaha.
ʻO ka loaʻa kālā ma ka hoʻomahaʻana e hiki ai ke hoʻopōmaikaʻi i kāu palekana Social Security. Inā hōʻiliʻiliʻoe i ka mālama mālama ola (i mua o ka mea i kapaʻia he makahiki hoʻomaha piha piha e pili ana i kou lā hānau), a loaʻa iāʻoe ka uku nui loa, loaʻa ka palena o ka Social Security a hiki i kāu ke uku. Ua auhauʻia nā kālā waiwai ma mua o ka loaʻa kālāʻole.
ʻO nā kālā ma ka waiwai kālā
Ukuʻoe iʻeluaʻano nui o nāʻauhau ma ke kālā loaʻa, Kaʻauhau mālama ola / mālama waiwai (i kapaʻiaʻo FICA, OASDI, a me nāʻauhau kaulike), a me nāʻauhau kālā kālā a me ka moku'āina. ʻO nāʻauhauʻauhau uku i laweʻia i waho o kāu uku uku heʻelua mau mea. ʻO ka mea mua, 12.4% o nā kālā loaʻa i ukuʻia i ka mālama ola. Hoʻohana kāu haku hana i ka hapalua o kēiaʻauhau, a ukuʻoe i ka hapa.
Ināʻoe he hana pilikinoʻoe e uku i ka 12.4% piha, akā naʻe,ʻo ka "employer" o 6.2% ka mea e hiki ke unuhiʻia i kaʻauhau.
Ke hoʻokauʻia nei kēiaʻauhauʻauhau uku mālama kālā ma ka nui o ke kālā loaʻa mai i loaʻa iāʻoe i kahi palena kuhi i'ōleloʻia, i kapaʻiaʻo ka haʻawina a me ka waihona waiwai, a iʻole ka pane kālā.
I ka 2017,ʻo kēia palena kālā he $ 127,200, mai $ 118,500 i ka 2016.ʻO ia hoʻi,ʻaʻole e ukuʻia kekahiʻauhau uku pāʻokoʻa mālama ola ma nā kālā loaʻa ma mua o kēia palena.
ʻO ka lua o kaʻauʻa mālamaʻana no kaʻauhau Medicare. ʻO kēia auhau he 2.9% o nā uku a pau. Eia hou, ua hui pū kēia 'auhau i ke kuleana o ka limahana a me ka mea hana, me ka uku pāʻeli i 1.45%. ʻAʻole e like me kaʻauhau mālama waiwai i loaʻa ka peʻa kālā,ʻaʻole kēia auhau. ʻO nā uku a me nāʻanoʻokoʻa'ē aʻe o ke kālā i loaʻa eʻikeʻia i lalo o kēiaʻauhau. Inā hoʻolimalimaʻoe, e ukuʻoe i ka 2.9% piha. Hoʻohanaʻia kēia mauʻauhau hōʻai'ē no ke kālāʻana i nā kōkua palekana mālama ola a me nā pono Medicare.
ʻO kaʻauhau kālā kālāʻole
ʻO nā kālā i loaʻaʻole i ke kālā no ka ukuʻole. He'ōlelo maikaʻi kēia! Eia naʻe nā waihona kālā loaʻaʻole i loko o kāu heluʻana o ka hoʻoponopono kālā hoʻoponopono kālā (AGI) no nā manaʻo auhauʻauhau kālā. Hiki iāʻoe ke loaʻa kāu AGI ma ka laina 37 o kāu pepa kālepa 1040 . ʻO ka hapa nui o nā kālā i loaʻaʻole e like me ka uku kālā loaʻa mai nā CD a iʻole nā kope mālama kālā, ka hoʻokuʻuʻana i ka IRA, a me nā uku penikala e auhauʻia ma kāu kolaʻauhau maʻamau. Eia naʻe, ke kauʻia nei kekahiʻano kālā kālāʻole, e like me ka uku kālā kālā a me nā uku kūpono i ka liʻiliʻi haʻahaʻa.
Nā Kauoha Aʻo
Inā hiki iāʻoe ke ho'ōla nui i ka pīhoihoi i ke ola, hiki iāʻoe ke kūkulu i nā kumuhana no ka loaʻa kālāʻole, aʻaʻole e ukuʻia kēia kālā mai kaʻauhau uku.
He'ōlelo maikaʻi kēia no nā mea hoʻolale kālā a me nā mea hoʻomaha loa. Hiki ke hōʻemi i ka uku o ka uku hoʻopaneʻe mua ma mua o kaʻauhau kālā ma kahi palapala hōʻai'ē, ka uku penikala, aiʻole nā kālā'ē aʻe ma mua o kaʻauhau kālā, akā,ʻaʻole lākou e emi i kāu uku uku / FICA -ʻo kaʻauhau FICA ua laweʻia mai loko mai o ka uku uku.
Ke haʻaleleʻoe i kāu hana, e hoʻololiʻoe i kāu kālā mai ka hilinaʻiʻana i ka loaʻa kālā loaʻa ma ka hilinaʻiʻana i ka loaʻa kālāʻole. Ma muli o ka hoʻololiʻana o kaʻauhau kālā ma muli o ka waihona waiwai, maikaʻi ka loaʻaʻana o ke kālā mai nā kumuhana likeʻole e like me nā hōʻike pilikinoʻole e like me Roth IRA, ma hope o kaʻauhau kālā e like me ka mālama kālā a me ka hoʻolimalimaʻana i nā pūnaewele hōkeoho, a me nā kālā iʻauhauʻia e like me IRA. a me 401 (k) s.
Hiki i kekahi poʻe hana hoʻomaha haʻalele e hoʻomaka i nāʻoihana kūkākūkā, hana lima-hiki ke hana, aiʻole ma kekahiʻano lilo i ka hana pilikino.
He nui ka poʻe i palekana mai kaʻauhau uku / FICA a hiki ke loaʻa ma hope o nāʻauhau ke lilo lākou i poʻe hana pilikino. Inā liloʻoe i hana pilikino, eʻike ponoʻoe e hana me nā lunaʻauhauʻauhau maikaʻi e hiki ke kōkua iāʻoe e helu i ka nui pono o kaʻauhau uku uku e hoʻouna ai - iʻoleʻoʻApelila 15 a he manawa maikaʻiʻole o ka makahiki noʻoe.