Sidee loo xisaabiyaa dakhliga guud ee la bedelay

IRS waxay isticmaashaa MAGI-gaaga si loo go'aamiyo haddii aad wax ku biirin karto IRA

Dakhliga guud ee la isku hagaajiyay (MAGI) ayaa go'aamiya xaq u yeelashada faa'iidooyinka muhiimka ah ee canshuurta, oo ay ku jirto haddii aad ka jari karto tabarucaadka koontada hawlgabka shaqsiga (IRA), wax ku biiriya Roth IRA, ama u rogaan IRA dhaqameed Roth IRA . U qalmida cashuuraha cashuuraha waxbarashada iyo canshuurta dakhliga qaarkood ayaa sidoo kale ku saleysan MAGI. Marka la eego Sharciga Daryeelka Lacagta La-Dhaqan, xaq u lahaanshaha Medicaid dakhli ku salaysan iyo caymiska caafimaadka ee kabista ah iyada oo loo marayo Marketplaces waxaa lagu xisaabiyaa iyadoo la isticmaalayo Dakhliga Guud ee Dakhliga Lagu Beddelay (MAGI) ee qoyskaaga.

Sidaa daraadeed, waa muhiim in la fahmo sida loo xisaabiyo dakhliga guud ee isbeddelka la isku habeeyey sababtoo ah waxay leedahay door muhiim ah oo ku wajahan istaraatijiyadaha kala duwan ee canshuurta dakhliga.

Waxyaabaha ugu horeeya ee lagu aqoonsado waa in dakhliga guud ee isbeddelka la isku habeeyey aanu ahayn wax la mid ah dakhligaaga guud, ama dakhliga guud ee la isku habeeyey (AGI). Dadka intooda badani waxay aad u yaqaanaan dakhliga guud ee isbedelay marka loo eego MAGI.

Laakiin inkasta oo dakhliga guud ee isbedbedelay iyo dakhligaaga isbeddelka ah ee la isku hagaajiyay ay u badan tahay inuu si qumman u qiimeeyo midba midka kale, waa muhiim in la fahmo faraqa u dhexeeya iyaga. Waa kuwan faahfaahinta, iyo sida loo xisaabiyo MAGI-gaaga.

Helitaanka Dakhliga Guud ee Dakhliga ah

Dakhliga guud ee la isku hagaajiyay (AGI) waa wadarta dakhliga aad sannadkii bixiso, ka jar kharashyada qaarkood. AGI waxaa laga helaa line 37 ee Foomka IRS 1040 , line 21 ee Foomka IRS Foom 1040A , iyo line 4 of IRS Form 1040EZ.

Dakhliga guud ee la dejiyay waxaa ka mid ah dakhligaaga oo dhan, oo ay ka mid yihiin:

• mushaharka
• dakhliga maalgelinta
• dakhliga ganacsiga
• dakhliga hawlgabka
• masruufka
• dakhliga kirada, iyo
• dakhliga beerta

Tirada wadarta dakhliga markaa kadib ayaa "lagu hagaajin" iyadoo laga jarayo kharashyada canshuurta laga jarayo. Kuwaas waxaa ka mid ah:

• qarashka baraha
• xisaabta kaydka caafimaadka (HSA)

• kharashyada caymiska caafimaadka (haddii aad iskaa u shaqeysato)
• Ka jaritaannada IRA
• masruuf, iyo
• dulsaarka ardayga

Adeegga Dakhliga Gudaha (Internal Revenue Service) wuxuu isticmaalaa dakhliga guud ee isbeddelka ah oo ah barta bilawga ah si loo xisaabiyo canshuurtaada guud ee dakhliga. Waxay sidoo kale u adeegsaneysaa inay go'aamiso haddii aad xaq u leedahay dhibco kala duwan iyo ka dhaafitaan, oo ay ku jiraan ka-goynta samafalka, ka-jarista kharashyada korsocodka, dhibcaha canshuurta ee ku-tiirsan, iyo dakhliga ku soo galay dakhliga.

Sidaa daraadeed, guud ahaan danahaaga ugu fiican si aad hoos ugu dhigto AGI sida ugu macquulsan, marka la eego dakhligaaga. Sidaa darteed, waa inaad ka heshaa kharashyada canshuur-celinta oo badan intii suurtagal ah si looga gooyo wadarta guud.

Waxaa jira laba shey oo aanad u baahnayn inaad ku darto AGI-gaaga:

• ku darsaday qorshayaasha loo-shaqeeyaha ee la shaqeeya, sida 401 (k) s, iyo
• dakhliga la canshuuri karo oo loo beddelayo Roth IRA

Sidee loo xisaabiyaa MAGI-gaaga

Ma heli doontid dakhliga guud ee isbeddelka la isku habeeyey ee canshuur celintaada. Nasiib wanaag, way fududahay in la xisaabiyo.

Ka bilow dakhliga guud ee isbedbedelay, jaantuska ku yaal khadka ugu dambeeya ee hore ee foomka canshuurta 1040 ama 1040A (khadka 37 ee foomka 1040, xariiqa 21 ee foomka 1040A, ama khadka 4 ee foomka 1040EZ).

Ka dib markaad naftaada ka hesho xisaabiye, oo dib u dari:

• wixii wax laga jaray ee aad qaadatey lacagaha IRA

• wixii wax laga jaray ee aad qaadatay amaahda ama waxbarashada
• nus ka mid ah canshuurta is-dhaafsan ee is-dhaafsiga
• dakhliga ku soo gala ama khasaaro
• Dakhliga dibadda laga reebay
• khasaaraha kirada
• dulsaar ka imanaya bonds EE loo isticmaalo bixinta kharashyada waxbarashada sare, iyo
• kharashyada kiro-bixinta ee loo-shaqeeyaha, iyo
• khasaare ka soo gala shirkad wada ganacsi ah

Sida IRS u Isticmaalayso MAGI

Sababta ugu muhiimsan ee lagu ogaanayo dakhliga guud ee isbeddelka la isku habeeyey waa in la go'aamiyo haddii aad ka dhigi kartid canshuur-ka-goynta khidmadaha hawlgabka shaqsiga. IRS waxay kaloo isticmaashaa MAGI si loo go'aamiyo haddii aad u qalantid inaad qaadato canshuur dhimista kharashka waxbarashada iyo khidmadaha. Tusaale ahaan, illaa 2017 haddii aad tahay hal ama madax ka mid ah qoysaska canshuur celintaada oo ku daboolan qorshaha hawlgabka shaqada, xaq uma lihid inaad qaadatid IRA haddii aad haysato MAGI $ 72,000 ama ka sareeya.

Sidoo kale ma qaadan kartid cashuurta kharashka waxbarashada iyo khidmadaha haddii aad leedahay MAGI oo ah $ 80,000 ama ka sarreeya sida hal qof ama madaxa qoyska, ama $ 160,000 haddii ay is qabaan oo wada xereeyaan.

Maaddaama xuduudaha xaaladahani ay ku kala duwan yihiin iyadoo ku xiran xaaladdaada diiwaangelinta, waxaad u baahan doontaa inaad la tashato la taliyaha canshuurta ama nambarrada naftaada si aad u aragto meesha aad la taagan tahay MAGI.