MAGI-gaagu waa Cabbiraad Beddel ah oo Dakhli ah oo xaddidaya Canshuurta Qaar ka mid ah
Dakhliga guud ee isbeddelka la isku habeeyey-badanaa loo yaqaan 'MAGI' oo lagu magacaabo "Maggie", sida magaca haweeneyda -waxaa si sax ah u ah waxa uu u eg yahay. Waa isbedelka dakhliga guud ee la isku habeeyey.
Ma jiro qeexid guud ee guud ee MAGI. Dakhliga guud ee isbedbedelay waxaa loo badali karaa siyaabo kala duwan oo ujeedooyin kala duwan. Ereyga wuxuu quseynayaa xuruuf kastoo loo adeegsado. Waxay ku jirtaa xisaabinta si loo xaddido, loo yareeyo, ama loo dejiyo fasaxyada canshuurta qaarkood.
Kuwani waa qaar ka mid ah jebinta ugu badan ee la sheegan karo oo saameyn kara MAGI-gaaga.
Barnaamijyada Lacagta Cashuurta ee Korinta iyo Barnaamijka Kaalmada
Markaad xisaabinayso deymaha canshuurta ee korsiga , MAGI waa dakhliga guud ee la isku habeeyey iyo wixii ka baxsan dakhliga shisheeye ee dibadda, ka saarista guriga, ama kirada guryaha laga yaabo inaad sheegatay inaad xisaabiso AGI-gaaga. Markaa waa inaad dib ugu soo celisaa dakhliga aad ka reebtay American Samoa, Guam, Woqooyiga Mariana Islands, ama Puerto Rico.
Dhammaan arrimahan waxay xaddidi karaan qaddarka kharashka korsiga la xiriira ee aad u-qalantid inaad dalbato canshuur celinta ama canshuurta bilaashka ah ee laga helo barnaamijka gargaarka loo-shaqeeyaha. MAGI-gaaga ayaa kuugu muuqda lambarka 7 ee Foomka 8839, foomka canshuurta waa inaad buuxisaa oo aad soo gudbiso dalbashada kharashka korsashada. Qadarka kharashka korsiga la xiriira ee la ogol yahay in lagu soo celiyo deynta canshuurta korsashada ayaa xadidan ama qoondeyn haddii MAGI-gaagu ka sarreeyo marxaladaha qaarkood.
MAGI-gaaga ayaa sidoo kale muujinaya line 23 ee Foomka 8839. Halkan waxaa loo isticmaalaa in lagu xaddido qaddarka loo-shaqeeyaha ee bixiya lacag-celinta kaalmada korsiga ee laga saari karo canshuurta dakhliga federaalka.
Xuduudaha isku midka ah ee MAGI ee loo isticmaalo deyn qaadashada waxaa loo isticmaalaa barnaamijyada caawinta korsashada ee loo-shaqeeyaha.
Xaddidan waa:
Sannadka | Iskujir: | Qabsashada: |
2017 | $ 203,540 | $ 243,540 |
2018 | $ 207,140 | $ 247,140 |
Lacagta Canshuurta Ganacsiga ee Maraykanka
Ujeedada codsiyada ee Macaamiisha Macaamiisha Maraykanku , MAGI-gaaga ayaa la mid ah sidii ay u noqon lahayd fasaxyada canshuurta ee korsashada. Waa AGI -gaaga oo lagu daray wixii ka baxsan dakhliga ajnabiga ah, ka-saarida guriyeynta, ama qoondeynta guryaha aad sheegatay, iyo wixii dakhli ah ee lagaa reebay Samoa, Guam, Woqooyi Mariana Islands, ama Puerto Rico.
MAGI-gaaga ayaa xaddidaya cadadka canshuurtan canshuurta. Waxay muujinaysaa sadarka 3 ee Foomka 8863, foomka canshuurta ee aad soo gudbin doonto si aad u xisaabiso oo aad u dalbato creditka. Haddii MAGI-gaagu ka yaryahay marxaladaha qaarkood, qaddarka Canshuurta Ganacsiga ee Fursadaha Maraykanku waa mid xadidan ama si dhammeystiran u go'a.
Heerarka hadda taagan waa $ 80,000 ama wax ka yar si loo dalbado dhibcaha buuxda ee canshuur bixiyeyaasha hal mar iyo $ 160,000 ama ka yar kuwa kuwa isqabaa oo fayl garee wadar celinta. Deyntu waxay bilaabmaysaa inay hoos u dhigto MAGIs ka sarreysa tirooyinkaan ilaa inta laga gaarayo dhamaantiis - ma sheegi kartid dhammaantiis haddii MAGI-gaaga ka sarreeyo $ 90,000, ama $ 180,000 oo loogu talagalay filimayaasha wadajir ah.
Xisaabaadka Diiwaangelinta Waxbarashada ee Coverdell
MAGI-gaaga ayaa xaddidaya xaddiga aad ka qaybqaadan karto Kaararka Waxbarashada ee Coverdell oo ka wakiil ah qof kale.
Xisaabaadka xisaabaadyadan waxaa lagu sameeyaa Adeegsiga Warqadda 7-1, MAGI ee Coverdell ESA , oo laga helo IRS Publication 970. Mar labaad, haddii MAGI aad ka badan tahay xuduud go'an, xaddiga aad ku darsan karto canshuur la'aan waa yar tahay ama waji-la'aan.
MAGI-gaaga ayaa loo xisaabiyaa isla tan canshuurta tan kale. Waa AGI -gaaga oo lagu daray wixii ka baxsan dakhliga ajnabiga ah, ka-saarida guriyeynta, ama qoondeynta guryaha aad sheegatay, iyo wixii dakhli ah ee lagaa reebay Samoa, Guam, Woqooyi Mariana Islands, ama Puerto Rico.
Qiimaha bilowga ee sannadka 2017 waa $ 190,000 haddii aad isqabtaan oo aad wada xereeysid, ama $ 95,000 dhammaan xayiraadda diiwaangelinta kale.
Kharashka Canshuurta Lacageed ee Shakhsi ahaaneed
Xisaabinta MAGI-gaaga ayaa wax yar ka duwan kan canshuurta laga jarayo, midka aad codsan kartid wixii ku darsaday ee IRA-gaaga.
Waa dakhliga guud ee la isku hagaajiyey ka hor intaadan qaadin kaarka IRA, iyo ka dib marka lagu daro waxtarrada Lambarka Bulshada ee la canshuuro iyo in la isticmaalo xaddidaadaha dhaqdhaqaaqa ah ee luminta dhaqdhaqaaqa dakhliga ku salaysan. Isbedeladaan soo socda ayaa sidoo kale lagu dabaqayaa:
- Dib ugu noqo wixii ka-saarid dulsaar dammaanad
- Ku darso kaalmo dib-u-korsasho ah oo laga reebo dakhliga
- Ku dhaji gadaal dib u noqoshada waxqabadka gudaha
- Dib u dallacsiin kasta oo lagaa jaro dulsaar bixinta deynta ardayga
- Dib-u-dhaji wixii ka-goynta waxbarashada iyo khidmadaha
- Ku soo celi wixii ka baxsan dakhliga shisheeye ee dibadda, ka saaris guri iyo ka jarid guri
MAGI-gaaga ayaa xaddidaya qaddarka aad ka jari karto tabarucaadka IRA dhaqameed markaad ku jirto qorshe hawlgab oo loo maro loo-shaqeeye. Waxaa lagu xisaabin karaa Isticmaalka Worksheet 1-1, Sheegistaaga Ganacsigaaga Ganaaxa, kaas oo laga helo Daabacaadda IRS 590. Haddii MAGI aad ka sarayso xaddi go'an, qadarka lacagaha aad ka jari karto waa la yareynayaa ama laga goynayaa. Qiimaha bilawga ah ee ka-dhimashadani way kala duwanyihiin sanadkoo dhan iyo adigoo xayeysiiya xaalad sidaas darteed waxaad ka fiicneyn inaad xisaabiso adiga oo isticmaalaya warqada shaqada.
Lacagta Canshuurta Waxbarashada Nolol-badbaadinta
Lifetime Learning Credit sidoo kale waxay xisaabinaysaa MAGI-gaaga sida AGI -gaaga iyo wixii ka baxsan ka-reebista dakhliga shisheeye, ka-saarista guriyeynta, ama kirada guryaha aad ka dalbatay, marka laga reebo dakhliga ka soo gala American Samoa, Guam, jasiiradaha Mariana Islands, ama Puerto Rico.
Waxaad xisaabin kartaa MAGI-kaaga Waxbarashada Nolol-badbaadinta Nolol-raadsashada adigoo adeegsanaya Worksheet 3-1 ee daabacaada IRS 970. Mar labaad, haddii MAGI-gaaga uu ka sarreeyo xaddi go'an, xaddiga deyn-qaadashada aad dalban karto ayaa hoos loo dhigayaa ama laga bixi karaa- intee ayuu ku xiran yahay MAGI iyo xaaladaada diiwaangelinta. Qiimaha bilowga ayaa kala duwan sanad kasta, laakiin qadarka dhimista waxaa lagu xisaabin karaa IRS Foomka 8863, khadadka 10 illaa 18.
Xaq u yeelashada Lacagta Hawlgabka Shaqsiga ee Shaqsiga
Waxaad awoodi kartaa ama laga yaabo inaadan xaq u lahayn inaad samayso Roth Individual Retirement Account (IRA) iyadoo ku xiran MAGI. Xaaladdan, MAGI-gaagu waa AGI-gaaga oo leh isbeddeladan soo socda:
- Dakhli ka yaryar oo laga soo bedelay Roth
- Wixii kale ee laga jaro dhaqdhaqaaqa dhaqanka ee IRA
- Wixii kale ka saarid dulsaar dammaanad
- Plus wixii caawinaad korsocod ah oo laga reebay dakhliga
- Wixii kale ee lagaa jaro waxqabadyada soo-saarka gudaha
- Wixii kasta oo laga jaro dulsaar bixinta deymaha ardayga
- Wixii kasta oo laga jaro waxbarashada iyo khidmadaha
- Wixii ka baxsan wixii ka sooc ah ee ka soo gala ajaanibta ajnabiga ah, ka saarida guriga iyo ka jarista kirada.
MAGI-gaaga ayaa loo isticmaalaa si loo go'aamiyo haddii aad awoodi kartid- iyo inta aad awoodid-ka qaybqaadatid Roth IRA . Haddii MAGI-gaaga uu ka sarreeyo marxalad gaar ah, xaddiga aad ku darsan karto Roth IRA waa la dhimayaa ama waa laga bixi karaa. Qiimaha bilowga wuxuu ku kala duwan yahay sanadka iyo adoo buuxinaya xaalada.
Lacagaha hal mar, hoos u dhacu wuxuu ka bilaabmaa MAGA $ 118,000 sanadka 2017 oo dhanna waa laga tirtirayaa kuwa leh MAGA $ 133,000 ama ka badan. Tirooyinkan waxay kordhinayaan $ 120,000 iyo $ 135,000 sannadka 2018. Tirooyinkan waxay kor u kacaan $ 186,000 iyo $ 196,000 sanadka 2017 dadka canshuur bixiyeyaasha ee isqaba, iyo $ 189,000 iyo $ 199,000 sannadka 2018.
Dakhliga Cashuurta Ardayda Deymanka
Ujeedooyinka canshuurtan canshuurtan, MAGI-gaagu waa AGI-kaaga isbeddeladan soo socda:
- In yar lagaa jaro dulsaar deynta ardayga
- In ka yar wixii laga jaray ee aad qaadatay waxbarashada iyo khidmadaha
- In ka yar wixii laga jaray waxqabadyada wax soo saarka gudaha
- Wixii ka baxsan wixii ka sooc ah ee ka soo gala ajaanibta ajnabiga ah, ka saarida guriga iyo ka jarista kirada
- Plus wixii dakhli ah ee ka soo gala American Samoa, Guam, jasiiradaha Mariana Islands, ama Puerto Rico.
MAGI-kaaga ayaa lagaa xisaabin karaa iyadoo la adeegsan karo Warqadda 4-1 ee laga helo daabacaada IRS 970. Waxay xadaynaysaa qadarka deynta ardayga ee aad ka jari karto. Haddii MAGI-gaagu ka sarreeyo xaddi gaar ah, goyntaada ayaa hoos loo dhigayaa ama laga goynayaa. Qiimaha bilowga wuxuu ku kala duwan yahay sanadka iyo adoo buuxinaya xaalada.
Xaddidaadda sanadka 2018 waa $ 80,000 oo loogu talagalay filim-keli iyo $ 160,000 oo loogu talagalay filim-wadaagga wadajirka ah. Kuwa isticmaalaya guurka si gooni gooni ah u codsanaya xaq uma laha inay ka jaraan dulsaar bixinta ardayga .