Bala ukuba uza kuba neentlawulo kangakanani ukuba intsapho yakho ingenayo inshuwalense yezempilo
Ingaba intsapho yakho iya kufuneka ihlawule irhafu yentlawulo yokungena-inshorensi yempilo? Ingakanani inhlawulo yomshuwalense wezempilo yentsapho? Ngaba kuya kuba kubi ukuhamba ngaphandle kwinshurensi yempilo yentsapho kwaye uhlawule isigwebo, okanye uthenge i-inshorensi yempilo?
Ukwazi isixa sakho sohlwayo kunokukunceda uhlahlo lwabiwo-mali, kodwa ukubala isahlulelo kwintsapho kunokuba yinto enzima kunokubala isihlomelo somntu ngamnye .
Imvelaphi
Ingxenye engqubuzana noMthetho woNonophelo ojongene noXanduva , umyalelo ngamnye ufuna amaMerika ukuba abe ne-inshorensi yempilo. Abo bangenayo i-postage bajongene netyala lentlawulo, intlawulo ekwabelwana ngayo . Abanye abantu baseMerika bakhululwa kwiimfuneko zokuba i-inshorensi yempilo; I-IRS yaphawula ukuba kunyaka wama-2014, ii-7.5 yezigidi zerhafu zifakwe phantsi kwesihlwayo, kodwa abanye abayizigidi ezili-12 babethi ukukhululwa kwesihlwayo.
Urhulumente ngamnye uhlalutyo lwempilo yomshuwalense ukuze ancede iintsapho kunye nabantu bathole i-inshurensi. Iinkxaso-mali ziyafumaneka ukunceda iintsapho ezifumana imali engenako ukufumana i-inshorensi yempilo. Kodwa, ukuba ujwayele ukuhamba ngaphandle kwe-inshurensi kwaye ungafanelanga ukufumana inkxaso-mali, uya kufuneka ucacise le ntlawulo entsha kwi-budget yomndeni okanye uza kuhlawulwa irhafu yerhafu.
Indlela yokubala iSohlwayo seNtshumo yoMshuwalense wezeMpilo
Okokuqala, jonga itafile yesigwebo esingezantsi.
Emva koko, funda ukufunda ukuba ungayisebenzisa njani ukuze ungakhokheli kakhulu.
| Ngonyaka ka-2014 | Unyaka ka-2015 | Unyaka 2016 | Emva kowe-2016 | |
|---|---|---|---|---|
| isohlwayo esekelwe kwisabelo | 1% yengeniso ngenhla yokufakela umda | 2% yengeniso ngenhla yokufakela umda | 2.5% yengeniso ngenhla yokufakela umda | 2.5% yengeniso ngenhla yokufakela umda |
| umlinganiselo wesigwebo esincinci | $ 95 | $ 325 | $ 695 | $ 695 + ukulungiswa kwexabiso lentengo |
Isohlwayo kwintsapho yakho iya kuba nexabiso elincinci elingaphantsi okanye iphesenti yengeniso yentsapho yakho, nayiphi na inkulu . Ihlawuliso-yentlawulo yengeniso ngokuqhelekileyo ibetha iintsapho eziphakathi okanye ezizintlu. Iqinisekisa ukuba isohlwayo asiyinto encinci nje yinkathazo. Isigwebo esincinci esisezantsi sisoloko sihlasela iintsapho ezifumana imali engaphantsi. Iqinisekisa ukuba wonke umntu ukhokhe ubuncinane isigwebo esincinci.
Nantsi indlela oyijonga ngayo isohlwayo seentsapho.
- Bala inani elincinci lentsapho.
- Bala inani lentlawulo yentsapho-ye-engeniso.
- Thelekisa iziphumo ezimbini; uya kuba netyala lezona zimbini.
Indlela yokubala iSigwebo esiNcinane seNtsapho
Ukubala isihlomelo esincinci seentsapho, kongeza ndawonye ixabiso lomntu ngamnye ilungu lentsapho esebenzisa isigwebo sonyaka ofanelekileyo ukusuka kwitheyibhile elingezantsi.
Imithetho emibini yenza ukuba inzala encinci yentsapho ibe yincinane:
- Isihlwayo somntu ngamnye siqingatha kubantwana abaneminyaka engaphantsi kwe-18 ubudala.
- Isigwebo esincinci seentsapho sithathwa ngokuphindwe kathathu isihlwayo somntu ngamnye.
Umzekelo
UTom noSandy banabantwana abathathu abancinane. Akukho mntu kwintsapho enomshuwalense wezempilo. Kudingeka ukubala inani lentlawulo encinci yentsapho yonyaka ka-2015.
Itafile ibonisa isigwebo esincinci i-$ 325 ngamnye ngamnye kwintsapho.
Kodwa, abantu abadala kuphela abakhokhwe imali epheleleyo. Isihlwayo esincinci ngasinye sezingane siqingatha loo mali, okanye i-$ 162.50.
I-$ 325 (i-Tom) + i-$ 325 (ye-Sandy) + eyi-162.50 ye-$ (engama-1).
Kodwa, isohlwayo esincinci seentsapho siphumelela ngokuphindwe kathathu isigwebo esisisigxina, okanye i-$ 325 x 3 = $ 975. Ekubeni i-$ 1,137.50 idlula i-$ 975, baya kusebenzisa i-$ 975 yemali yesigwebo sabo sekhaya esincinane njengoko behamba phambili ngokubala kwabo.
Indlela yokubala Ipesenti zeNtsapho-yeNkundla yeNtlawulo
Bonisa umfanekiso weentlawulo-ntlawulo zepesenti kwintsapho esekelwe kwingeniso yonke yomzi.
Kusuka kwitheyibhile elingezantsi, ipesenteji yezohlwayo ngo-2015 ngu-2% yengeniso engaphezulu kwendawo yokufaka.
- Icebiso: Musa ukuhlawula urhulumente kakhulu. Ukuhlawula kuphela isohlwayo se-inshorensi yempilo kwingxenye yengeniso yakho engaphezu komyinge wokufaka. Susa umyinge wokungena kwiholo lakho ngaphambi kokubala ihlwayo.
- Iphulo: Umyinge wokufaka umyinge wemali engenayo efuna ukuba ufake ifayile yentlawulo. Abantu abaneemali ngaphantsi komyinge wokungena kufuneka bangenise ukubuyiswa kweerhafu; abo baneemali ngaphaya komda kufuneka bafake.
- Iphulo: Umyinge wokufaka u-2015 uyi-$ 10,300 kwiifayili ezingatshatanga, i-$ 13,250 iifayili eziphambili kwendlu, kunye ne-20,600 zamaqabane abashadile abafakela ngokubambisana. Kweminye iminyaka, ungayifumana umyinge wokufowunelwa kunyaka ophawulwayo ukususela kwipapasho 501 kwiifom ze-IRS kunye nephepha leempapasho.
Umzekelo
UTom noSandy bafumana i-$ 100,500 ngo-2015. Bafake iirhafu zabo njengesiqabane esitshatileyo sokufakela ngokubambisana, ngoko baya kusebenzisa i-$ 20,600 njengengqikelelo yomgca wabo wokufakela, ukukhipha kwiholo yabo ngaphambi kokubala ipesenteji.
I $ 100,500 - $ 20,300 = $ 80,200
Ingeniso yentsapho - umyinge wokufakela = inxalenye yengeniso yabo ukuba ihlawulwe.
I $ 80,200 x 0.02 = $ 1,604
Inxalenye yengeniso yokuhlawulwa i-penalty yesi-2% (0.02) = isohlwayo sepesenti-yentlawulo.
Ukuyibamba yonke Yonke: Yazi into oya kuyenza
Ngoku ukuba ubalekele isohlwayo esincinci seentsapho yakho kunye nesaphulelo sepesenti yentsapho yakho, kufuneka uqikelele. Inkokhelo yoxanduva lolwabiwo lwakho lentsapho luya kusekelwe kumakhulu amakhulu kuloo mabini amabini.
Kukho iimeko ezimbalwa ezinokunciphisa isohlwayo seentsapho zakho.
- Ingaba intsapho yakho iya kuba ne-inshurensi yezempilo kwinxalenye yonyaka?
Ukuhlawula kuphela isohlwayo kwiinyanga zakho intsapho ayiqinisekisiwe. Ngokomzekelo, ukuba intsapho yakho yayingaqinisekanga kwiinyanga ezisixhenxe zonyaka, uza kuhlawula kuphela i-twelfths yesibhozo se-inshorensi yempilo yonyaka. - Ngaba unesihlwayo esikhulu?
Isohlwayo sikhoxiswa kwiindleko eziqhelekileyo zesizwe socwangciso lwezempilo lwezempilo lwebhondi. Eli nani liguquka unyaka ngamnye, kodwa unokulinganisela ngokusebenzisa isibalo se-$ 1,020 ngeenyanga okanye i-$ 12,240 ngonyaka ngeentsapho ezinhlanu okanye ezinkulu. Kwiintsapho ezinabantu abangaphantsi kwetlanu, sebenzisa iindleko eziqhelekileyo zesizwe zesicwangciso sezempilo sobhedu-ngamnye (i-$ 207 ngenyanga okanye i-$ 2,484 ngonyaka) kwaye uyandisa ngokuphindaphindiweyo ngabanye abangaxhaswanga kwintsapho. - Ayikwazi ukufumana i-inshurensi yempilo engabizi?
Ukuba awufumani i-inshurensi yempilo yentsapho ebiza imali engaphantsi kwe-8.13 yepesenti yengeniso yakho yasekhaya ngo-2016 (i-8.16 ekhulwini ngo-2017), intsapho yakho inokukhululwa kwesohlwayo. Inani lepesenti ye-8.13 lisekelwe kwintsapho yakho ekufuneka ihlawule ukuxhaswa, kungekhona kwiindleko ngaphambi kokuba umrhumo womqeshi okanye inkxaso-mali ye-premium.
Umzekelo
Isigwebo sentsapho esincinane seTom noSandy ngo-2015 kwakuyi-$ 975. Isohlwayo sentsapho yabo yepesenti-mali-ntlawulo yayingama-1,604. Ekubeni i-penalty-percent-income-penalty iso sikhulu kunesihlwayo esincinci, eso sibalo isohlwayo sabo seentsapho siya kusekelwe. Ukuba intsapho yabo yayingaqinisekisiwe yonke unyaka, babeza kuba netyala lokuhlawula i-$ 1,604 xa befaka imali yabo yentlawulo ngo-Apreli 15, 2016.
Imali eyi-1,604 ehlawulwayo iphantsi kweendleko eziqhelekileyo zesizwe zesicwangciso sezempilo sobhedu-sigaba se-5 (ii-12,240 zamaRandi) ukwenzela ukuba ikhefu yesigwebo ayichaphazeli.
Nangona kunjalo, ukuba babengaxhaswanga kuphela kwinxalenye yonyaka, isohlwayo sabo siya kuba sezantsi. Masithi uSandy utshintshile imisebenzi ngoJulayi, kwaye umqeshi wakhe omtsha unika i-inshurensi yempilo. Ukuba yonke intsapho ifunyenwe yinshurensi yezempilo ukususela ngoSeptemba, ngoko ke abazange baqinisekiswe kuphela kwiinyanga ezi-8 zokuqala zonyaka. Kule meko, kufuneka bahlawule kuphela isohlwayo kwisiqephu sonyaka abangenayo inqaku.
I $ 1,604 x 8/12 = $ 1069.33
Isihlomelo sonyaka sonyaka x inxalenye yonyaka abazange baxhaswe ngayo = isigwebo sokugqibela sentapho esetyala.
Kule meko, uTom noSandy bahlawuliswa ngokuxanduva lokubambisa i-$ 1069.33, ngenxa yokuba intsapho yabo yayingenasifo se-inshorensi yezempilo kwiinyanga ezili-8 zango-2015. Ngaphandle kwentlawulo yabo yerhafu ye-2015, le ntlawulo yerhafu yenziwe ngenxa ye-IRS ngo-Apreli 15, 2016.
> Imithombo:
Ikhodi yase-US ka-2011, Isihloko 26, i-Subtitle D, Isahluko 48, sec5000A
> I-IRS: Imibuzo kunye nezimpendulo kwiNkxaso yoBuntu ngabanye
> I-IRS: Uxanduva lokwabelana ngabanye ngabanye Ukubonelela - Ukubika nokubala Intlawulo.
> IRS: Inkqubo yeNgeniso ye-2014-62 kunye neNgeniso yeNgeniso 2016-24 .
> UKoskinen, uJohn, iNkonzo yeNgeniso yangaphakathi, Ileta yeCongress, Julayi 17, 2015.
I-Congressional Research Service ingxelo: I- Mandate Individual kunye neemfuno ezichaphazelekayo zeenkcukacha phantsi kwe-PPACA