Intlawulo yomvuzo ngumlinganiselo womvuzo womqeshwa (okanye uhlawulelwa okanye u-iriyure ) emva kokubamba i-tax and tax deductions. Intlawulo yomvuzo ke ngoko imali efunyenwe ngumqeshwa kwi-paycheck yayo.
Indlela yokubala Intlawulo yeNtlawulo
1. Qala nge-Gross Pay.
Ukuqala ukubala kwenkokhelo yomnatha, kufuneka uqale ngomvuzo omkhulu womqeshwa.
Ukuhlawula okupheleleyo kuyimali ehlawulwa kumqeshwa ngexesha lokuhlawula (ngeveki, ngeveki nganye, ngenyanga okanye ngenyanga).
Ukuhlawula okupheleleyo kubasebenzi beeyure ngamahora asebenze amaxesha amahora nganye, kunye nama- premium angaphezulu kweeyure, ukuba zikhona. Umvuzo ohlawulelwayo kubasebenzi abahlawuliweyo ngumvuzo wabo wonyaka olwahlula inani lexesha lokuhlawula.
I-TIP: Zonke izithintelo kunye nokuncitshiswa kusekelwe ekuhlawuleni okukhulu . Ukubanjwa kweerhafu ezahlukeneyo kunye neentlawulo akukongezwa.
2. Ukukhutshwa kweRhafu yeNgeniso yeNgeniso ye-Federal.
Imirhumo yeRhafu yeRhafu iyanqatshelwa ngokusekelwe kwingcaciso enikezwe ngumqeshwa kwiFomu W-4. Olu lwazi luseka ibhakha yerhafu yomqeshwa:
- Indawo yomtshato yomqeshwa, kubandakanywa "intloko yendlu", kunye
- Isikhundla sokufakela komqeshwa: ukufakela udibaniso olulodwa lomtshato, okanye ukutshata okutshatileyo.
- Naliphi na ukukhutshwa okongeziweyo okhethwe ngumqeshwa.
Ibhakhti yerhafu yomqeshwa kunye nesimo sokufakela isetyenziselwa ukucacisa ukuhlawulwa kweerhafu yengxowa-mali yexesha lokuhlawula.
Ukongezwa okongeziweyo kwongezwa kulezi zinto ukufumana inani elipheleleyo liyakunqandwa kwi-paycheck yomqeshwa.
Isixa sokubamba ixesha lokuhlawula kuqala siqala ngokuhlawula okupheleleyo kunye nohlobo lwexesha lokuhlawula. Ingalo yomtshato yomqeshwa kunye nenani lokuxolelwa libandakanyiwe ekubaleni, kunye naliphi na inani elongezelelweyo umqeshwa onqwenela ukulibamba.
I-TIP: Qinisekisa ukuba unesifom ye-W-4 yakutshanje kumqeshwa ngamnye. Abasebenzi bangenise ifom ye-W-4 entsha naliphi na ixesha, kwaye kaninzi kangangoko bafuna, kodwa kanye kuphela ngexesha lokuhlawula.
Icebo: Akukho mthethweni kumqeshi ukunceda umqeshwa azalise ifom ye-W-4 . Ukuba umqeshwa akaqinisekanga, mqondise kule calculator yokubamba i-IRS.
3. Kucima nayiphi na i-State kunye ne-Local Holdings.
Ukurhoxiswa koMbuso kukuncinci, kuba ilizwe ngalinye linemithetho eyahlukeneyo kunye neefom zokuhlawula umvuzo; Amanye amazwe akanakho ukugodla ngenxa yokuba ayingeniso yerhafu. Iidolophu nezixeko ezahlukeneyo nazo zinemithetho yazo. I-Bureau of Labor Statistics inekhodi yeefom ezisetyenziswe ngurhulumente ngamnye ukubala ukukhishwa kwerhafu yengxowa karhulumente.
I-TIP: Ukuba umqeshwa usebenza emazweni amaninzi okanye kwiindawo ezahlukeneyo ngaphakathi kwiphondo, unokudityaniswa kwerhafu yengeniso yelizwe ukusuka kumazwe amaninzi kuye nawuphi na umvuzo. Ukuba unabasebenzi kumazwe amaninzi, unokufuna ukufumana uncedo lwenkonzo yokubhadela ukuze uzame ukugcina zonke ezi zichithwayo ngqo.
Amanye amazwe anesivumelwano sokubuyisana, esithetha ukuba abayifumani irhafu engenayo yerhafu. Ngokomzekelo, umqeshwa osebenza e-Iowa kunye nomhlali wase-Illinois akumele akhokhe irhafu yengeniso ye-Iowa kwimvuzo wakhe.
Hlola uluhlu lwezivumelwano zokuhambelana.
4. Ukulahla intela yeFICA.
Intlawulo ye-FICA yintlangano ye-OASDI (ukhuseleko lwezeNtlalo) kunye neerhafu zerhafu. Inkomfa yokubala irhafu ye-FICA ngamaxesha amaninzi okuhlawula isahlulo somqeshwa serhafu, esiyi-7.65% (6.2% yoKhuselo loLuntu kunye no-1.45% we-Medicare). Ngokomzekelo, ukuba umrhumo omkhulu womqeshwa kuloo mali uhlawula i-$ 500, irhafu ye-FICA iya kugcinwa i-$ 38.25.
I-TIP: Uya kufuneka uzenze izikhumbuzo ezibini ngunyaka. Nganye Ixesha lokuhlawula:
- Khangela ukuba uqiniseke ukuba umvuzo opheleleyo wenkokhelo yomsebenzi wonyaka awugqithisi umgangatho okhuselekileyo woKhuseleko loLuntu kulolo nyaka. Kwinqanaba apho umvuzo womqeshwa ungaphezu kwelo likhulu, kufuneka unqande ukukhusela i-Social Security (6.2%). Akukho ndawo ephezulu kwiNgxenye ye-Medicare.
- Kufuneka uqaphele xa umvuzo womqeshwa ufikelela kwisixa seRhafu yoLongezelelweyo. Le mali yokuhlawula ixabiso lixhomekeke kwisimo somtshato somqeshwa. Kule nqanaba, kufuneka uqale ukubamba i-0.9% eyongezelelweyo (ngaphezu kwe-1.45%).
- Qaphela ukuba olu tshintsho kumsebenzi we-FICA ukurhoxisa irhafu aluchaphazeli iimfuno zakho ukuhlawula irhafu ye-FICA njengomqeshi.
5. Thatha nayiphi na inzuzo yokuzithandela eyongezelelweyo.
Inani elithatyathwe ngokuzithandela linokwenzeka, kubandakanywa iiproyamu zempilo, ukulungiswa kunye neminikelo yokunceda.
I-TIP: Qinisekisa ukuba unamaxwebhu kwifayile yokubhadela yomqeshwa ukubonisa ukugunyazwa kwanoma yiyiphi inqununu. Imali yodwa yimivuzo yeFICA kunye nokuhlobisa okanye ezinye iintlawulo eziyalelwe enkundleni.
Ukubhala i-Paycheck yabasebenzi
Ngoku ukuba ubale umvuzo osemthethweni, uthathe inkokhelo yentlawulo yengeniso kunye neentlawulo ze-FICA, kunye nayiphi na enye inqununu, unomvuzo wokuhlawula umnatha. Ixesha lokuba ubhale ukuhlawula umqeshwa.
I-TIP: Umthetho waseburhulumenteni ufuna ukuba ngamnye umrhumo kufuneka unikeze ngamnye umqeshwa ulwazi malunga neminyaka eyi-f okanye zonke izibalo.