Funda Ngezibopho Zakho Xa Usebenza kwaye Uqeshwe
Ukuhlawula Iintlawulo zombini zemivuzo kunye ne-FICA Taxes
Ukuba usebenza ngokuzimeleyo kwaye ufumene umvuzo okanye umvuzo ovela kwingqesho, ukhuseleko lwakho lwezeNtlalo kunye ne-Medicare eligunyazisiweyo kunye nerhafu yokuqeshisa ingqesho.
Uqeshwe ngokuzimeleyo ukuba wenza imali kwishishini lakho, njengonkontileka ozimeleyo, i-freelancer, umnini-mhlaba wedwa, iqabane ngokubambisana, okanye ilungu le-LLC okanye i-S corporation. Ukuba unomntu ongekho phantsi, awuqeshwanga.
Imali ye-FICA ngokumalunga ne-Self-employment Tax Taxes - Yintoni eyahlukileyo?
Kudideka ukuthetha ngerhafu ye-FICA kunye nerhafu yerhafu yokuziqhelisa njengokuba behluke, kodwa imigaqo ngokwenene iyathetha into efanayo: Intlawulo yeNtlalo kunye noTyardare kwimali engenayo. Intlawulo ye-FICA yiNtlalo yoKhuseleko / irhafu yerhafu emisebenzi; Ierhafu yengqesho yonyango (ngamanye amaxesha kuthiwa yi-SECA) yiNtlalo yoLondolozo lweNtlalo / irhafu yonyango kwi-self-employment. Kwakhona qaphela ukuba umqeshi wakho ukhokhe ihafu yerhafu ye-FICA ngenxa yoko, ngelixa wena njengomntu oziqeshwe ngumntu kufuneka akhokhe lonke inani loKhuseleko loLuntu / i-Medicare kwingeniso yakho yokufumana umsebenzi.
Ukuziqhelisa
Umntu oqeshwe ngokuzimeleyo unokuba ngumntu oqhuba ishishini njengomnikazi wedwa, umnini-LLC, okanye iqabane ngokubambisana.
Ungeke ube nesakhiwo esisemthethweni seshishini, kodwa ubika iirhafu zeshishini lakho kwiShedyuli C kunye nokubuyela kwakho kwerhafu.
I-IRS ithi uyaziqhelisa ukuba:
- Uqhuba ishishini okanye ishishini njengomnikazi wedwa okanye ikontrakta elizimeleyo.
- Unelungu lobambiswano oluqhuba ishishini okanye ishishini.
- Ngaphandle koko ushishino lakho (kubandakanywa neshishini leseshishini lesabelo)
Oko kukuthi, ukuba usomashishini ukwenza imali, uthathwa njengesiqeshwe.
Indlela Ezi Tyala zihlawulwa ngayo
- Umqeshi wakho MALUNGELE ulandele iirhafu ze-FICA (Ukhuseleko lwezeNtlalo kunye neMedareri) ukusuka kwingeniso yakho yengqesho.
- Kufuneka uhlawule irhafu yerhafu yerejista yakho kwingeniso enemisebenzi yengqesho yakho ukuba usenayo iirhafu emva kokuqwalasela ingeniso yakho yonyaka.
Kufuneka uyihlawule irhafu kwiholo lakho elipheleleyo. Kodwa awukwazi ukuhlawula ngaphezulu-mali ngaphandle kokuba umqeshi wakho enze iphutha lokubala. Nantsi inkcazo ecacileyo yendlela inkqubo yokuqwalasela nokuhlawula iirhafu zentlalo / i-Medicare:
Ingqesho kunye neRhafu yeFICA
Ingeniso yakho yengqesho kunye neerhafu ye-FICA ehlawulwayo yenziwe kuqala. Umqeshi wakho ugodla irhafu yeNtlalo kunye neTransare kwiirhafu zakho njengomqeshwa. Intlawulo yeNhlalakahle yentlalo ifakwe kwisithuba esiphezulu kunyaka ngamnye kwinqanaba elithile lomvuzo. Xa ingeniso yakho yonyaka idlula le nqanaba, uyeka ukuhlawula irhafu yentlalo yoKhuseleko. Ierhafu yeRedare ayifakwanga.
IRhafu yoNyango
Ukuba usebenza ngokuzimeleyo, uhlawula irhafu yengqesho (SECA) ngokusekelwe kwingeniso yakho yentlawulo (inzuzo) kwi shishini lakho. Uhlawula irhafu irhafu ye-12.6% yaloo ngeniso. Awunayo ukuhlawula irhafu njengoko uhambayo kuba awuyi kuwukhupha kwiholo lakho.
Awunakho ukuhlawula kwi shishini lakho kuba awukho umqeshwa. Le rhafu ayibalwa kuze kube yilapho inzuzo yakho yentsebenzo inqunywe ngexesha lerhafu. Ifomu esetyenzisiweyo yokubala irhafu yerhafu yokuqeshwa yedwa ishedyuli SE.
Ukubala iRhafu yokuNyumba
Ukukubonisa indlela umqeshwa kunye nabasebenzi abazisebenzisayo baqwalaselwa ngayo ngentlawulo yeNtlalo kunye noTyardare, yilapho (inkqubo elula kakhulu-lula) yokubala irhafu yengqesho kwiShedyuli SE :
- Okokuqala, imali engenayo evela kwi shishini lakho kuloo nyaka ifakiwe.
- Okwesibini, inani lemali yerhafu yokuzithengela imali ibalwa.
- Okwesithathu, nayiphi na ingeniso evela kwingqesho kunye nemali yerhafu ye-FICA iqwalaselwa.
Ekugqibeleni, imali esele ikhokhelwa kwingqesho yakho inqunywe kwi-Intanethi yoKhuseleko loLuntu / i-Medicare irhafu. Ukuba kukho nantoni na eseleyo, kungenxa yerhafu yerhafu yokuqeshwa, kwi-tax return yakho yerhafu.
Umzekelo wokuBhaliswa kweRhafu yokuZimisa
Masithi uzuze i-$ 50,000 ukusuka kwingqesho kunye ne-$ 30,000 engenayo imali evela kwingqesho yakho ngo-2016. Ingqikithi yee-80,000 zama-dollar ukusuka kumvuzo wakho kunye nokuqeshwa kwakho kungaphantsi kwe-Social Security ephezulu yama-117,000, ngoko ke irhafu yakho yoKhuseleko loLuntu kuhlawulwa kuyo yonke yakho ngeniso.
Masithi imali engama-3,100 kwiirhafu ze-FICA ibinqatshelwe kumvuzo wakho. Ukwahlawulwa malunga ne-$ 3720 njengerhafu yengqesho yakho kwi-30,000 ye-$ 30,000 yengeniso yokufumana umsebenzi. (Ukubala kuthatha into ekhohlakeleyo apha; oku kungenakwenzeka ngqo, kuxhomekeke kwimeko ethile.)
I-$ 3720 enetyala njengemali yerhafu yokuzibandakanya ifakwe kwiNombolo 27 yeFomu yakho ye-1040, kwaye ifakiwe kunye nayiphi na irhafu yengeniso ofunekayo ukuba unikwe umrhumo wakho werhafu wonyaka.
Ukuba ingeniso yakho evela kwingqesho kunye nokuqeshisa ukuzibhokoxa kukukhulu kunokwenqanaba loKhuseleko loLuntu, kufuneka uqhubeke nokuhlawula irhafu yonyango. Akukho sikhokhsi serhafu yonyango, kwaye unokufuneka uhlawule irhafu yonyango eyongezelelweyo ye-2.9% ukuba ingeniso yakho ingaphezulu kwexabiso elithile.
Ukuhlawula irhafu yakho yokuqeshwa
Ngenxa yokuba irhafu yengqesho ayigcinwanga, unokuba ne-bill enkulu yentela ngexesha lokuhlawula irhafu. Abanini bamashishini abenza iintlawulo eziqikelelwa ngekota, kuquka iirhafu eziqikelelweyo zerhafu yokuqeshisa kunye kunye nerhafu yengeniso. Unako ukwandisa umrhumo wakho werhafu kunye nekarhulumente ekubanjweni kwerhafu yakho kwingqesho ukuze uhlawule le ndleko eyongeziweyo.
Ukufumana ulwazi oluninzi kunye nemizekelo, jonga eli nqaku kwi- Self-Employment and Social Security Tax , kwi-Administration Security Security.