Intlawulo kwabasebenzi kwiFomu W-2 kunye neNzuzo yeRhafu
Ziziphi iindleko ezixhomekeke ekubanjweni?
I-IRS ithi le ntlawulo ye-FICA ihlawulwa ngemvuzo ehlawulwa "ngeenkonzo ezenziwa njengomqeshwa e-United States, kungakhathaliseki ukuba ngummi okanye ukuhlala komqeshwa okanye umqeshi." Ngamanye amagama, nabani na osebenza njengomsebenzi wase-US kufuneka babe neRhafu yoKhuseleko loLuntu kunye neMedare.
Ngelo xesha umqeshwa ehlawulwa, irhafu ye-FICA ibalwa kwintlawulo epheleleyo yaloo mntu. Nantsi indlela oku kusebenza ngayo:
- Umvuzo omvuzo womqeshwa ubalwa ngexesha lokuhlawula, kuxhomekeke ekubeni ngaba umqeshwa uhlawulelwa okanye ihora.
- Imali yokuhlawula ixabiso elipheleleyo isetyenziselwa kubalwa ukubambelela kwiirhafu zorhulumente kunye neentlawulo zorhulumente, ngokusekelwe kwifomu ye-W-4 yomqeshwa.
- Isamba semali yokuhlawula isisetyenziselwa ukubala ukubamba iirhafu ze-FICA.
Inkokhelo epheleleyo yeentlawulo ze-FICA i-15.3% yomvuzo ophezulu womqeshwa; umqeshwa kwaye ngamnye umqeshi unesigidi. Ngoko i- FICA ibambelela imali kumqeshwa ngu-7.65% wemali engenayo (6.2% yoKhuseleko loLuntu kunye ne-1.45% ye-Medicare).
Imirhumo yoKhuseleko loLuntu isetyenziswe nguLawulo loKhuseleko loLuntu ukuchonga izibalo zokubonelela ngezeNtlalo ngokuhlala phantsi, ngoko kubalulekile ukuba le mivuzo ibalwe ngokuchanekileyo.
Iintlawulo kwabasebenzi abaye baxolelwa kwiRhafu yeFICA
Olu uluhlu lwezinye iintlobo eziqhelekileyo zeentlawulo kubasebenzi abangahlawulwa ukuba bangeniswe kwimvuzo phantsi kwentlawulo ye-FICA .
Ezi ziquka umvuzo weNtlalo noKhuseleko kunye nomvuzo wemigomo ye-Medicare. Kuluhlu olupheleleyo, khangela i-IRS Publication 15.
- Omnye umvuzo wabasebenzi abakhubazekile ohlawulwa emva konyaka umqeshwa unelungelo lokufumana i-inshorensi yokukhubazeka
- Iindleko zendleko zoqeshishino zabasebenzi ezihlawulwayo ngenxa yeemali ezingadluli kwizinga elikarhulumente elichaziweyo kwizinto ezifundwayo okanye umgangatho osemgangathweni
- Abasebenzi bentsapho abaneminyaka engama-18 ubudala (abaneminyaka engama-21 yomsebenzi wasekhaya)
- Abanye "Iimali ezingaphezulu" zineenzuzo zintlawulo zikhululekile ekubaleni. Iingeniso ezihlawulwayo zihlawulwa ngetyala elingaphezulu kwexabiso lemarike elungileyo kwinzuzo yesibalo esihlawulwe ngumqeshwa kunye nayiphi na imali engabandakanywa ngumthetho. "
- Inkonzo yomshuwalense
- Iintlawulo kumaqabane abambiswano
- Iminikelo yomqeshi kwizicwangciso zomhlala-phantsi ezifanelekileyo
- Iintlawulo zabasebenzi abangaqhelekanga (njengabameli be-estate agents nabathengisi abachanekileyo)
- Iingcebiso phantsi kwe-$ 20 ngenyanga
- Imbuyekezo yokuhlawula abasebenzi
Ezinye ezinye iintlawulo kubasebenzi kwiimveliso ezizodwa zikhululekile. Funda i- IRS Publication 15, isahluko 15 ukuze uthole iinkcukacha ezingaphezulu.
IiNqanaba eziNinzi zoKhuseleko loLuntu lweNgcaciso
Iimali ezihlawulwa kwabasebenzi ngaphezu kwe- Social Security maximum nazo azibandakanyi kwimbuyekezo yoKhuseleko lweNtlalo ngenjongo yokubala i-Social Security benefits ngexesha lomhlalaphantsi. Inguqu ephezulu kunyaka ngamnye. Akukho nto iphezulu kwiirhafu zeMedare.
Iintlawulo kwabasebenzi abamele bafakwe kwiiNkxaso zoKhuselo loLuntu
Ukongeza kwimvuzo kunye nemivuzo ehlawulwayo, ezinye iintlawulo kubasebenzi kufuneka zifakwe kumvuzo weNtlalo yoKhuseleko. Jonga lonke uluhlu kwimimiselo ngokubanzi yeFom W-2.
Iingxowa ezingekho phantsi kweNkcazo yeNgeniso yeNgeniso ye-Federal
Uluhlu lweentlawulo kubasebenzi abangabandakanywa kwerhafu ye-FICA lungahluke kwiintlawulo ezingabandakanywa kwizibalo zerhafu.
Umzekelo, iimali ukuba umqeshi uncedisa kwisicwangciso somhlala-phantsi esikhankanywe irhafu njengesi-401 (k) okanye i-403 (b) isicwangciso somqeshwa asibandakanyi kwizibalo zerhafu yengeniso.
Kule meko, kusenokwenzeka ukuba umvuzo weNtlalo yoKhuseleko uphezulu kunemvuzo phantsi kwentlawulo yengeniso.
Imivuzo echazwe kwiFomu W-2
Zonke ezi ntlobo zemirhumo zichazwe kwifom ye- W-2 enikela kubasebenzi ngoJanuwari kunyaka ngamnye, ngoko banako ukwenza irhafu yabo yentlawulo.
Ukujonga ifom ye-W-2:
Ibhokisi le-1, iMvuzo, iingcebiso, enye imbuyekezo: Lo ngumyinge ohlawulwayo kumqeshwa kwiinjongo zerhafu yengeniso. Imali ingeniswe kwifom yerhafu yengeniso yomqeshwa.
Ibhokisi 3, Umvuzo woKhuseleko lwezeNtlalo: Le mali ingasetyenziswe nguLawulo loKhuseleko loLuntu ukubala iintlawulo zeNtlalo.
Iingcebiso zibandakanywa kwimingeni yoKhuseleko loLuntu kodwa zibalwa ngokwahlukileyo kwaye zifakwe kwiibhokisi ze-7 ne-8.
Bona okunye malunga noMvuzo woKhuseleko lweNtlalo kunye neFom W-2 kwimigaqo yeFom W-2, evela kwi-IRS.
Ngaba le Mivuzo yeNhlalakahle yeNhlalakahle ichaphazela iRhafu yoLuntu?
Abantu abaqeshwe ngokuzimeleyo kufuneka bahlawule irhafu yeNtlalo noKhuseleko, kodwa ngendlela eyahlukileyo evela kubaqeshwa kunye nabaqeshi babo. Ezi ntlawulo, ezibizwa ngokuba yerhafu yerhafu , zisekelwe kwingeniso yoshishino kuphela. Iintlobo zengeniso ezingabandakanywa kuMvuzo woKhuseleko lweNtlalo azichaphazeli irhafu yerhafu.
Iintlobo zeentlawulo ezibandakanyiweyo kwaye zingabandakanywa kwiintlawulo zoKhuseleko lweNtlalo ziyinkimbinkimbi. Kukho iziqinisekiso ezininzi kwimimiselo ye-IRS. Le ngxoxo iinjongo eziqhelekileyo kuphela kwaye akufanele ixhomekeke kwiingcebiso zerhafu. Hlola kunye neengcali zakho zerhafu ngaphambi kokuba uzame ukubala umvuzo weNtlalo.