"Kodi FICA ndi ndani ndipo ndichifukwa chiyani ndikumulipira kwambiri?" Ndi funso limene ambiri a ife tafunsa tikuyesa mphotho. FICA ndichidule chomwe chikuimira Federal Insurance Contributions Act, lamulo lomwe linapanga Social Security. Fichi yanu ya FICA ikuphatikizapo zopereka za ntchito za Social Security ndi Medicare.
Olemba ntchito amaperekanso gawo la msonkho wa FICA kwa wogwira ntchito aliyense.
FICA ndi imodzi chabe mwa ochepa omwe angapereke ndalama zolipirira malipiro omwe amasiyanitsa pakati pa malipiro anu ndi ndalama zomwe mumatenga kunyumba.
Momwe Mungayankhire Anu Anu Kutenga Kwathu
Ngati mukufuna kudziwa zomwe ndalama yanu idzawonekere musanayambe ntchito, pali njira yodziwira momwe mungasiyire pambuyo pa FICA, msonkho wa boma, msonkho wa boma, ndi zina zotsala zomwe zagwiritsidwa ntchito zimachotsedwa. Pano pali momwe mungadziŵire kuti malipiro anu apakhomo adzakhala otani.
Chimene Mudzafunika Kuwerengera Pakhomo Lanu Lapanyumba
Pali zinthu zingapo zomwe muyenera kukhala nazo kuti muwerengere malipiro anu a kunyumba:
- Kuchuluka kwa malipiro anu onse . Izi zikutanthauza kuti mumapindula misonkho ndi zochepa.
- Zosowa zanu zokha. Mukayambitsa ntchito yatsopano, mumadzaza mawonekedwe a W-4 kuti muuze abwana anu kuchuluka kwa ndalama zanu. Chiwerengerocho chikhoza kukhala zero kapena chimodzi ngati muli wosakwatiwa, kapena chachikulu ngati muli ndi odalira.
- Ndondomeko yanu yosungira msonkho. Pali malipiro ovomerezeka a boma ndi a boma omwe amasiyana malinga ndi kuti simunakwatire, kukwatirana kumagwirizanitsa pamodzi, kukwatira kapena kukwatirana pakhomo, kapena banja lokhalapo.
- Zowonjezera zina za malipiro. Gawoli lingaphatikizepo zopereka kwa 401 (k) ndondomeko yopuma pantchito, inshuwalansi ya umoyo, inshuwalansi ya moyo, kapena ndalama zogwiritsira ntchito ndalama zogulira mankhwala. Zingaphatikizepo ndalama zoyendetsera ndalama kapena zokongoletsa zina zomwe zimachokera ku malipiro anu. Zimathandizira kugawa izi malinga ndi zowonjezera msonkho ndi zotsatila msonkho, kuti muzipereke kuchokera ku malipiro anu aakulu kapena pambuyo pa msonkho.
Zomwe Mungachite Kuti Muyese Phindu Lanu Lapanyumba
Choyamba ndi kuwerengera FICA yanu pachaka, mwinamwake kudziwika kuti ndiwathandiza ku Social Security ndi Medicare. (Tawonani momwe zimatchulidwira zopereka osati msonkho? Ndi chifukwa chakuti mukuyenera kubwezeretsanso pambuyo panthawi yopuma pantchito.) Aliyense amapanga phwando, 7.65% ku FICA pa ndalama zokwana $ 118,500 zomwe analandira. Mukhoza kutaya chiwerengerocho musanayambe kusintha ndalama zanu.
Kenaka, sungani ndalama zanu zonse pochotseratu kusamalidwa kwanu ndi momwe mungagwiritsire ntchito ndalama zomwe Internal Revenue Service zimakupatsani musanawerengere msonkho wanu. Phindu lokhalitsa munthu payekha limasintha chaka chilichonse, motero onetsetsani kuti mukupeza ndalama zomwe mukuzigwiritsa ntchito pokhapokha ngati mukuwerenga. Pogwiritsa ntchito mawonekedwe anu a W-4, mungathe kuchotsa mlingo wamakono kuchokera ku ndalama zanu zonse. Kotero ngati mlingoyo ndi $ 4.050 ndipo mutengapo gawo limodzi, chotsani madola 4,050 kuchokera pa zomwe mumapeza. Ngati mutengapo mbali ziwiri, chotsani $ 9,000.
Kugonjetsa kwanu kwadongosolo kumachotsedwa. Kuchokera kwachikhalidwe kumasinthidwanso chaka ndi chaka, ndipo zimachokera pa chikhalidwe chanu. Mutha kupeza zowonongeka zowonongeka pa webusaiti ya IRS.
Mukatha kuchotseratu kusamalidwa kwanu ndi chiwonongeko choyenera, chiwerengerocho chiyenera kukhala pafupi kwambiri ndi ndalama zomwe mumapeza. Ichi ndi chiwerengero chomwe chidzagwiritsidwe ntchito kudziwa mabatire anu a msonkho ndi boma.
Kodi Misonkho Idzachulukira Motani?
Pali misonkho yambiri yomwe ingagwiritsidwe ntchito misonkho yanu yaikulu, kuphatikizapo msonkho wa boma, boma komanso misonkho. Pano pali momwe mungadziwire kuti misonkho ingakhudzire bwanji kulipira kwanu kunyumba.
Chiwerengero cha msonkho wa federal womwe mumalipirako chidzadalira momwe mukulembera ndi chikwama chanu, zomwe mungapeze m'matawuni a Federal Tax Bracket tawasinthidwa pachaka ndi Tax Foundation.
Ngati mumakhala mu boma ndi msonkho wapadera, muyenera kupeza mzere wa msonkho wa boma kuti mudziwe kuchuluka kwa ndalama zomwe zidzatengedwe kuchokera kulipira kwanu kunyumba. Dziko lililonse lili ndi mabotolo awo, kotero mwina sipangakhale malo oti alembedwe pano.
Tax Foundation imatulutsanso posachedwapa misonkho ya msonkho ndi mabakiteriya pa webusaiti yathu. Zimaphatikizansopo zidziwitso pamisonkho yapakhomo, kumene amagwiritsa ntchito. (Mwachitsanzo, mzinda wa New York uli ndi msonkho wake pachabe.)
Mutatsimikiza kale ndalama zanu, msonkho ndi zina za msonkho, mutenge msonkho wolipira ndi kugawikana ndi chiwerengero cha malipiro a chaka. Ngati mumalipiritsa mwezi uliwonse, mungagawire chiwerengerochi ndi 12. Ngati mumalipidwa mlungu uliwonse, mungagawike ndi 52. Kwa omwe amalipidwa sabata iliyonse, mumagawanika ndi 26. Zotsatira zake zidzakhala malipiro anu .
Zotsatila Zotsatira za Malipiro Atsatira
Kumbukiraninso kuti muchotsedwepo zina zomwe mukuyembekezera kuti musapereke msonkho wanu. Malinga ndi ngati iwo alipira msonkho kapena kulipira msonkho, mutha kuwatenga pamalipiro anu musanayambe kapena mutatha kuwerengera msonkho. Mwachitsanzo, ngati mumapereka malipiro 6% a ndalama zothandizira pulogalamu ya 401k kapena pulogalamu ya pantchito, tengani ndalamazo kuchokera ku malipiro anu akuluakulu musanawerengere misonkho.
Payimenti ya inshuwalansi ya umoyo yomwe imalipidwa ndi inu imatengedwa kuchokera ku malipiro aakulu, msonkho usanatulukidwe. Pogwirizanitsa ndi zokongoletsera zina, mukhoza kutsimikizira ngati amatengedwa kale kapena pambuyo pa msonkho, kapena kugwiritsira ntchito zowerengera za ziwerengerozo.
Owerenga a Paycheck a Free Online
Zolemba pa intaneti zingakuthandizeni kuti mukhale ophweka. Mukadziŵa kuti ndi ndani amene amapeza ngongole yanu ndi ndalama zochuluka bwanji, mungathe kudziwa mosavuta kubweza kwanu pakhomo pogwiritsa ntchito chiwerengero cha pay payer .