Xadka Kordhinta ee Sannadka 2016 iyo 2017 iyo Sida Hawsha Uu Shaqeynayo
Xaddidaadda Dollar ee Lacagta Waxtarka ee Koontada Shaqsiga ee Hawlgabka
Waxaad ka qayb qaadan kartaa IRA dhaqameed, Roth IRA ama labadaba.
Wadarta gunnadaada sanadka ee dhaqaalaha ama Roth IRAs kama badnaan karo dakhliga ku soo gala dakhligaaga sannadka ama qadarka ugu sarreeya.
| Xaddidaadaha Xaddiga IRA | ||
| Sannad | 2016 | 2017 |
| Kharashka ugu sareeya ee joogtada ah | $ 5,500 | $ 5,500 |
| Kaqaybqaadashada ugu badan ee Qabashada | $ 1,000 | $ 1,000 |
| Wadarta ugu badnaan waxtarka | $ 6,500 | $ 6,500 |
| Kaalmooyinka ay bixiso | Abriil 18, 2017 | Abriil 17, 2018 |
| Xigasho: | IR-2015-118 | IRS |
Shuruudaha Qodobka
Kaaliyadaha joogtada ah waxaa sameyn kara qof kasta oo da'diisu ka yar tahay 70.5 haddii uu dakhliga soo galo. Kaalmada lacag-bixinta waxaa sameeya dadka da'doodu tahay 50 ama ka weyn ee dakhliga la kasbaday. Roth IRAs ma laha xayiraad da 'da ah.
Ujeedooyinka IRA oo keliya, dakhliga la kasbaday wuxuu ka kooban yahay mushahar laga soo sheegay W-2, dakhliga iskaa ah ee ganacsiga ama beerta, iyo masruufka .
IRS waxay sharaxeysaa:
"Si aad uga qayb qaadatid IRA-dhaqameed, waa in aad ka yar tahay 70½ sanadka dhammaadka sannadka canshuurta, Adiga, iyo / ama xaaskaaga / seygaaga haddii aad soo gudbisid celinta wadajirka, waa in uu leeyahay magdhow la cashuuro, sida mushaharka, mushaharka, qandaraasyada, talooyinka , gunnooyinka, ama dakhliga saafiga ah ee iskii u shaqeysto. "Alimonyada canshuurta iyo lacagaha dayactirka goonida ah ee ay heleen shakhsi ahaan waxaa loola dhaqmaa sida magdhowga loogu talagalay IRA."
Wakhtiyada kama dambaysta ah ee sameynta ujeedka
Waad ka qayb qaadan kartaa dhaqaalahaaga dhaqankaaga ama Roth IRA wakhti kasta inta lagu jiro sanad-dugsiyeedka sanad-guurada, waxaad sidoo kale ku darsan kartaa IRA-da ugu dambeyntii ugu dambeysa ee canshuur celintaada, adoo tirinaysa wixii kordhin ah ee aad qaadan karto. Lacagaha IRA ee sanadka 2016-ka ayaa la filayaa April 18, 2017, iyo deeqaha IRA ee sannadka canshuuraha 2017 waxaa la filayaa April 17, 2018.
Taariikhda canshuur celinta ayaa la kordhiyaa labadaba maxaa yeelay Abriil 15 ayaa dhacaya fasax usbuuc dhamaad ah oo soo raaca hal ama dhowr fasax.
Xagee looga Qaadi Canshuurta Canshuurta
Ka warbixi canshuurtaada tooska ah ee IRA ee bogga hore ee Foomka 1040 ama Foomka 1040A. Uma baahnid inaad alaab u yeelato inaad dalbato ka-jarista. Waa isbeddel xagga dakhliga ah, sidaa darteed waxaad ku qaadan kartaa marka lagu daro sheyga ama sheegashada heerka caadiga ah ee xaaladaada diiwaangelinta.
Bixinta IRA waa Waji Kari kartaa ama Loo Heli Karaa Dakhliga ku Salaysan
Kaalmooyinka IRA dhaqameed waxay noqon kartaa mid si buuxda looga jari karo, qayb ahaan laga jari karo ama gebi ahaanba lama bixin karo iyada oo ku xidhan haddii adiga iyo / ama xaaskaaga / saygaaga ay ku daboolaan qorshaha hawlgab ee loo shaqeeyahaaga. Haddii canshuur bixiye uu daboolo qorshaha hawlgabka shaqada, dakhligiisa ayaa go'aaminaya in goyntiisa IRA uu xadidan yahay. Qorshayaasha hawlgabka ee shaqada waxaa ka mid ah 401 (k) qorshayaal, 403 (b) qorshayaal iyo hawlgab.
Isticmaal naqshad dakhliga guud ee la isku habeeyey si loo qiyaaso dakhliga loogu talagalay ujeedada lagu ogaanayo inta lagaa jarayo qaybta IRA dhaqameed. IRS waxay sharaxaysaa habka sidan:
Dakhliga guud ee isbeddelka la isku habeeyey ayaa la isku hagaajiyey dakhliga guud (AGI) oo aan la helin kaararka IRA, ka dib marka lagu daro faa'iidooyinka Lambarka Bulshada ee la canshuuro, ka dib markii la xaddidayo xaddidaadda dhaqdhaqaaq la'aanta dhaqdhaqaaqa dakhliga, iyo isbedeladan soo socda:
+ Ka-reebitaanka dulsaarka dammaanad-qaadista
+ Kaalmada ilmo-haynta ee laga reebo dakhliga
+ Ka jarid waxqabadyo soo-saarka gudaha ah
+ Ka jarid dulsaar bixinta deymaha ardayga
+ Kordhinta kharashka waxbarashada iyo khidmadaha
+ Ka-reebista dakhliga ee ajnabiga ah, ka-saaris guri iyo ka-goynta guryaha.
U Isticmaal Shaqo- bixineedka 1-1 ee daabacaadda 590-A, Kaalmooyinka Qorshayaasha Shaqsiga ee Hawlgabka , oo laga heli karo qaabka pdf ee shabakadda internetka IRS, si loo xisaabiyo AGI-kaaga bedelay.
Waxaad ogaan kartaa haddii IRA-gaaga laga goynayo inay xaddidan tahay adigoo isticmaalaya jaantusyada hoos ku xusan kadib markaad go'aamisid AGI-kaaga bedelay.
| 2016 Xadidaadyada Qaadashada ee IRA-da caadiga ah haddii uu daboolay Qorshaha Hawlgabka ee Shaqada | ||
| Diiwaangelinta | Horumarinta AGI | |
| Xaaladda | ka | ilaa |
| Hal | $ 61,000 | $ 71,000 |
| Madaxa Qoyska | 61,000 | 71,000 |
| U qalmida Cagajuglaha / er | 98,000 | 118,000 |
| Xayeysiin is guursadey Qaar ka mid ah & labada isqaba midkoodna ma kala noolaan karin sanadka oo dhan | -0- | 10,000 |
| Xayeysiin is guursadey Qaar ka mid ah & labada isqabta waxay ku noolyihiin sanad kale | 61,000 | 71,000 |
| Lammaanaha isqaba-wadaagaya Wadajir ahaan : xaaska / sayga oo daboolaya qorshaha hawlgabka | 98,000 | 118,000 |
| Lammaane isqaba oo wada jir ah : si xaasle ah oo aan daboolin qorshaha hawlgabka iyo xaaska / seyga kale ayaa la daboolay | 183,000 | 193,000 |
| Miyaa lagaa bedelay AGI oo ka yar "lacagta"? | Intee u dhexeeya qadarradan? | In ka badan "tirada"? |
| ↓ | ↓ | ↓ |
| gebi ahaanba ka jar | qayb ka mid ah jarista | wax lacag ah lagama goyn |
| 2017 Xaddidaadda Qaadashada ee IRA-da caadiga ah haddii uu daboolay Qorshaha Hawlgabka ee Shaqada | ||
| Diiwaangelinta | Horumarinta AGI | |
| Xaaladda | ka | ilaa |
| Hal | $ 62,000 | $ 72,000 |
| Madaxa Qoyska | 62,000 | 72,000 |
| U qalmida Cagajuglaha / er | 99,000 | 119,000 |
| Xayeysiin is guursadey Qaar ka mid ah & labada isqaba midkoodna ma kala noolaan karin sanadka oo dhan | -0- | 10,000 |
| Xayeysiin is guursadey Qaar ka mid ah & labada isqabta waxay ku noolyihiin sanad kale | 62,000 | 72,000 |
| Lammaanaha isqaba-wadaagaya Wadajir ahaan : xaaska / sayga oo daboolaya qorshaha hawlgabka | 99,000 | 119,000 |
| Lammaane isqaba oo wada jir ah : si xaasle ah oo aan daboolin qorshaha hawlgabka iyo xaaska / seyga kale ayaa la daboolay | 184,000 | 194,000 |
| Miyaa lagaa bedelay AGI oo ka yar "lacagta"? | Intee u dhexeeya qadarradan? | In ka badan "tirada"? |
| ↓ | ↓ | ↓ |
| gebi ahaanba ka jar | qayb ka mid ah jarista | wax lacag ah lagama goyn |
Talooyinka Qorsheynta Canshuurta
- Jaantusyn haddii ay ku biirinayso IRA dhaqameed si buuxda looga jari karo, qayb ahaan laga jari karo ama aan la dabooli karin.
- Haddii qaar ka mid ah ka qayb qaadashadaada IRA-gaaga aan la dabooli karin, tixgeli inaad qayb ka qaadato qaybta laga goynayo IRA dhaqameedka iyo qaybta kale ee aan laga goyn karin Roth IRA haddii aad xaq u leedahay.
- Haddii dhammaan waxtarkaaga IRA-dhaqameedku aanu ahayn kuwo laga goosan karo, waxaa laga yaabaa inaad rabto inaad ka qayb qaadato Roth IRA.
- Haddii aadan u qalmin Roth IRA midkood, tixgeli haddii kharajka lacag la'aanta ah ee IRA dhaqameed ay macno u leedahay xaaladdaada. IRA-da aan la-kicin karin ayaa weli bixiya canshuur-la'aan bilaash ah oo ah qaybta asalka ah iyo qaybinta cashuuraha ee dakhliga. Xaaladaha qaarkood, IRA-da aan la-marin-karin ayaa loo rogi karaa canshuur-la'aan Roth IRA.