Kwaye kwenzeka ntoni Ukuba Unqanda kakhulu
Wonke umntu osebenza e-US njengomqeshwa kufuneka abe neerhafu ze-FICA ezingagcinwanga kuzo zonke iintlawulo. Eli nqaku linika isikhokelo sinyathelo-nge-nyathelo sokwenza uhlaselo lweentlawulo zeFICA.
Iirhafu ze-FICA iirhafu zoKhuselo loLuntu kunye neMedare. Iirhafu ze-FICA zabelwe ngabasebenzi nabaqeshi, ngoko isahlulo serhafu sincitshisiwe kumvuzo wokuqeshwa ngamnye ngosuku.
Esinye isiqingatha, isixa esilingana nomlinganiselo osuswe kumvuzo wokuqeshwa , kufuneka uhlawulwe nguwe njengomqeshi.
Ulwazi olufunekayo kwi-FICA Tax Holdings Calculation
Ukubala iirhafu zeFICA kwi-paycheck yomqeshwa, uya kufuneka ukwazi:
- Isixa semali ehlawulweyo yomqeshwa kuloo xesha lokuhlawula
- Umvuzo wonyaka wokuhlawula umqeshwa lowo
- I-Social Security kunye ne-Medicare yokulinda amanqanaba kuloo nyaka (jonga ngezantsi)
- Naliphi na imali echithwe kuloo ntlawulo yomqeshwa kwiiplani zomhlalaphantsi zangaphambili
Ukongezelela, uya kufuneka ukwazi, unyaka ngamnye:
Ukhuseleko lwezeNtlalontle. Lo ngumvuzo omkhulu okanye umvuzo wemali yoLondolozo lwezeNtlalo kulo nyaka. Unyaka ngamnye uLawulo loKhuselo loLuntu lupapasha inani eliphezulu loKhuseleko loLuntu; Akukho Khuselo lokuSondlo lweNtlalo lithathwe kwintlawulo yomqeshwa ngaphezu kwesi sixa. (Wena njengomqeshi kufuneka ukuba uqhubeke nokwenza ezi ntlawulo zonyaka.) Yiya ku " Ukhuseleko Loluntu Lwentlalo " ukuze ufumane inani lemali elinqabileyo elikulo nyaka.
I-Supplementary Medicare Tax. Umrhumo wokuhlawula umrhumo owongezelelweyo kufuneka ugqitywe kwabasebenzi abahlawuliweyo. Imali yokuhlawula ihluke ngokuxhomekeke kwimo yerhafu yomntu (esatshatileyo, engatshatanga, njl.) Kwinqanaba elichaziweyo lonyaka, i-0.9 yeepesenti eyongezelelweyo kufuneka ikhutshwe kumvuzo wokuqeshwa kwithuba elisele lonyaka.
Kufuneka uqale ukukhawuleza i-0.9 yeepesenti ezongezelelweyo xa umvuzo womqeshwa ufikelela kwi-$ 200,000 ngonyaka, kungakhathaliseki ukuba yintoni isimo somtshato somqeshwa.
Iifom zokuThengisa iRhafu zeFICA:
- Ukhuseleko loLuntu (OASDI) izinga lokubamba ukuhlawula lixesha elihlawulelwayo lokuhlawula i-6.2 kweepesenti ukuya kwizinga eliphezulu lokuhlawula loo nyaka. Le ngxenye yomqeshwa yeNkokhelo yoKhuseleko loLuntu. Wena njengomqeshi kufuneka uhlawule enye ipesenti engama-6.2 ngaphandle komda.
- I-Medicare yokurhoxiswa kwamazinga ngamaxesha amaninzi okuhlawula i-1.45 ekhulwini, kunye ne-0.9 yeepesenti ezongezelelweyo zabasebenzi abahlawulwa kakhulu. Ingxenye yakho njengomqeshi i-1.45 ekhulwini, engenakho umda, kodwa akudingeki uhlawule i-0.9 yeepesenti ezongezelelweyo.
- Ipesenti ezingama-7.65 zigcinwe, ngokusekelwe kumvuzo omkhulu.
Ukwenza izibalo zeFICA Ukubamba i-Payroll
Qala nge-Payment Gross. Ukuqala, uya kufuna umvuzo ohlawulelwayo womqeshwa kuloo xesha lokuhlawula.
- Umvuzo ohlawulelwayo womqeshwa ohlawulelwayo ngumvuzo womvuzo welo xesha (ngokuqhelekileyo, umvuzo wonyaka wonyaka uhlalwa inani lexesha lokuhlawula).
- Umvuzo ogqityiweyo womsebenzi weeyure ngowamaxabiso ahlawulweyo kubalwa, ukuphindaphinda iiyure ngeyure nganye ngeeyure kwaye kubandakanywa iiyure zeeyure ezingaphezu kweeyure kunye namaxesha angaphezu kwexesha. Ngokomzekelo, ukuba umqeshwa usebenze iiyure ezingama-44 ngeliveki kwi-12.50 yezigidi, uza kuphindaphinda ama-40 ama-$ 12.50 kunye namaxesha angama-4.
Misela inani lemirholo yomqeshwa / imivuzo ephantsi kweentlawulo zeFICA . Ukuphelisa nayiphi na imali engekho phantsi kweerhafu.
Musa ukukrazula nayiphi na imali yokuncitshiswa kwentlawulo engaphambili ngaphambi kokuhlawula irhafu, njengalezo ezingama-401 (k) okanye ezinye izicwangciso zomhlalaphantsi ezifanelekileyo. Ezi zihlomelo kunye negalelo ziphantsi kweerhafu ze-FICA, kodwa ingeniso yerhafu yengeniso.
Kubaqeshwa abahlawuliweyo abaphezulu, bajonga kabini ukuba umvuzo womvuzo womsebenzi womnyaka / umvuzo awukho ngaphezu komvuzo omkhulu weNtlalo wonyaka. Yeka ukunqanda ukuKhuselwa koLuntu kunyaka apho kwindawo yokuhlawula umqeshwa (kubandakanywa ixesha elide kunye neebhonasi) lifikelela kummandla waloo nyaka.
Bala inani lokukhutshwa koKhuseleko loLuntu, ukwandisa izinga lokuhlawula irhafu leNtlalo ngoku lilonke ngemali yomvuzo ophezulu phantsi koKhuselo loLuntu.
Bala inani lokutsalwa kweMedricare, ukwandisa izinga lokuhlawula irhafu le-Medicare langoku, ngenani lemali ephezulu ephantsi kwe-Medicare. Khangela ukujonga ukuba umqeshwa ufikelele kwinqanaba lentela lezeMyardare kwaye unyuse ukunyuswa kwintlawulo yomqeshwa. Irhafu yerhafu ye-Medicine iyongezwa xa umvuzo womqeshwa ufikelela kwi-$ 200,000 ngonyaka, kwaye inani elongezelelweyo libalwe kuphela kwisixa esingaphezu kwama-200,000.
Icandelo loMqeshi weeFICA
Emva kokuba ugqibe iifizi zerhafu ze-FICA kubo bonke abasebenzi, kufuneka ubeke eceleni ixabiso elilinganayo nenani lomqeshi wakho kwinxalenye yeerhafu ze-FICA. Le mali iquka:
- Iipesenti ezingama-6.2 zemivuzo yomsebenzi wonke weFICA yoKhuselo loLuntu, kwaye
- I-1.45 ekhulwini yomvuzo we-FICA yomvuzo we-Medicare.
Kuthiwani ukuba Nditshitshisile iRhafu yoKhuseleko loLuntu?
Ukuba uncitshiswe irhafu engaphezulu kwintlawulo yomqeshwa, nokuba yiNtlalo yoKhuseleko okanye kwiRhafu yeRhafu, unokufumana izinto ezininzi zokulungisa:
- Buyiselwe umqeshwa. Uya kufuneka uhlawule umqeshwa emva kwexabiso lemali elithinteleyo. Unako ukunika le mali kumqeshwa kwikhekheji okanye njengetshekhi ehlukile. Qiniseka ukuba awuyi kuKhuseleko lweNtlalo kwiSheke!
- Fayile i-Correction 941. Ukuba impazamo ibandakanywe kwiFom 941 (ingxelo ye-payroll quarter) , kuya kufuneka ufake ifom yokulungiswa (941-X) ukuze ufumane imali.
- Shintsha irekhodi yomvuzo womqeshwa. Ukukhipha intlawulo engaphezulu kweentlawulo zoKhuseleko lweNtlalo kwirekhodi yomvuzo werhafu yomqeshwa. Ifom ye- W-2 yomqeshwa ofumana ngaphezulu kwama-106,800 amaxabiso kufuneka abonise (1) inani elipheleleyo lemali ehlawulwa kunyaka kwaye (2) umvuzo weNtlalo woKhuseleko weNtlalo njengamaRandi ayi-106,800. Umvuzo we-Medicare uya kufana nexabiso elipheleleyo lomvuzo.
Ukuxela i-FICA Tax Holdings
Kufuneka unikwe ingxelo yokubamba iirhafu ze-FICA:
- Kumqeshwa, kubandakanywa kokubanjelwa kokuhlawula kunye nomnyaka ngoku
- Ku-IRS kwiFomu 941- iNkcazo yeMvuzo kunye neNkcazo yeNtela.
- Kwaye kwifom ye-W-2 yomqeshwa ekupheleni konyaka.
Buyela ekubaleni ukuchithwa kwabasebenzi bakwa-Paycheck
Buyela kwi- FICA Taxes Explained