"Ngubani u-FICA futhi kungani ngimkhokhela kakhulu?" Umbuzo abaningi bethu abawubuze ngenkathi behlola insila yokukhokha. I-FICA ingumfanekiso omele uMthetho we-Federal Insurance Contributions Act, umthetho owadala ukuvikeleka kwezenhlalakahle. Ingxenye yakho ye-FICA ihlanganisa iminikelo yomsebenzi ye-Social Security ne-Medicare.
Abaqashi bakhokha futhi intela yentela ye-FICA kumsebenzi ngamunye.
I-FICA ingenye yezinzuzo eziningi zokukhokhela izinkokhelo ezimelela umehluko phakathi kweholo lakho kanye nesamba sangempela ozithatha ekhaya.
Indlela Yokubala I-Pay Your Home Pay
Uma ufuna ukwazi ukuthi imali yakho yokukhokha izobukeka kanjani ngaphambi kokuba uthathe umsebenzi, kunendlela yokuthola ukuthi uzobe ushiye kangakanani ngemuva kwe-FICA, intela yombuso, intela yombuso, kanye nanoma yikuphi ukukhishwa okusebenzayo kususiwe. Nakhu ukuthi ungabala kanjani lokho okuyokhokhwa khona ekhaya lakho.
Okuzokwenzakala Ukubala Phatha Ekhaya
Kukhona izinto ezimbalwa okufanele ube nazo ukuze ubale inkokhelo yakho yokuthatha ekhaya:
- Inani lemali yakho eyinhloko . Lokhu kusho ukuhola kwakho ngaphambi kwentela kanye nokwehliswa.
- Inani lakho lokukhululwa komuntu siqu. Uma uqala umsebenzi omusha, ugcwalisa ifomu le- W-4 ukutshela umqashi wakho ukuthi ungaligodla kangakanani isheke sakho. Inombolo ingaba yero noma eyodwa uma ungashadile, noma ngaphezulu uma unezindinganiso.
- Isimo sakho sokufaka intela. Kunezinkokhelo ezijwayelekile zentela kanye nesifundazwe ezihlukahluka kuye ngokuthi ungashadile yini, ukushada ngokushada ngokuhlanganyela, ukushada okufakwe ngokwehlukana, indlu yomndeni, noma umlingani osinda.
- Ezinye izinkokhelo zokukhokha. Lesi sigaba singabandakanya iminikelo ohlelweni lokuthatha umhlalaphansi ka-401 (k), umshuwalense wezempilo, umshuwalense wokuphila, noma i-akhawunti yokusebenzisa imali ekhokhelwa izindleko zezokwelapha. Kungabandakanya futhi izinyunyana zabasebenzi noma ezinye izibopho ezithathwe emholweni wakho. Kusiza ukuhlukanisa lezi zigaba ngokusho kokukhokhelwa kwentela ngaphambi kokukhokha intela, emva kokukhokha intela yakho emalini noma emva kokukhokha intela.
Izinyathelo Zokubala Inkokhelo Yakho Yokuthatha
Isinyathelo sokuqala ukubala i-FICA yakho yonyaka, okungaziwa ngokuthi umnikelo wakho ku-Social Security ne-Medicare. (Phawula ukuthi kuthiwa umnikelo kunjani intela? Kungenxa yokuthi kufanele uwubuyisele emuva futhi emva kokuthatha umhlalaphansi.) Wonke umuntu wenza umnikelo, u-7.65% wenkampani ku-FICA kwi-$ 118,500 yokuqala yokuthola imali. Ungakhipha lelo phesenti ngaphambi kokuthi uqale ukwenza izinguquko kwimali engenayo yakho yonke.
Okulandelayo, lungisa imali yakho engenayo ngokukhipha ukukhululwa komuntu siqu kanye nokunciphisa okujwayelekile ukuthi i-Internal Revenue Service ikunike ngaphambi kokuba ithole intela yakho engenayo. Isilinganiso sokukhululwa somuntu siqu sishintsha njalo ngonyaka, ngakho-ke qiniseka ukuthi uthole amanani okukhishwa kwamanje uma wenza ukubala kwakho. Kukho konke okukhulunywe ngakho ngefomu lakho le-W-4, uzosusa izinga lamanje kusuka kumholo wakho omkhulu. Ngakho uma izinga lingu-$ 4.050 futhi uthatha ukukhululwa okukodwa, khipha amaRandi angu-4,050 emholweni wakho. Uma uthatha ukukhululwa okubili, susa amaRandi ayizigidi ezingu-9.
Ukukhishwa kwakho okujwayelekile kususwe ngokulandelayo. Ukunciphisa okujwayelekile kubuye kushintshe unyaka nonyaka, futhi kusekelwe esimweni sakho sokufaka. Ungathola amazinga okukhishwa okujwayelekile okujwayelekile kwiwebhusayithi ye-IRS.
Uma usususe ukukhululwa komuntu siqu nokunciphisa okujwayelekile, inombolo elandelayo kufanele isondelane kakhulu nengeniso yakho engenayo. Lena inani elizosetshenziselwa ukunquma amabakaki akho yentela kanye nesifundazwe.
Imali Engakanani Ingabe Intela Eyokunciphisa Ngayo I-Home Pay?
Kunezintela eziningana ezingase zisetshenziswe umholo wakho omkhulu, kufaka phakathi intela yentela yombuso, isimo sombuso kanye nezintela zendawo. Nakhu ukuthi ungathola kanjani ukuthi izintela zizobathinta kanjani inkokhelo yakho yokuthatha ekhaya.
Isamba sentela kahulumeni okhokha kuyoxhomeka esimweni sakho sokufaka kanye nokubheja, ongayithola kumatafula e-Federal Tax Bracket avuselelwe minyaka yonke yi-Tax Foundation.
Uma uhlala embusweni onentela yakho engenayo, uzodinga ukuthola ibhakha lakho lentela ukuze uthole ukuthi ingakanani izokwenziwa ekukhokheni kwakho ekhaya. Isimo ngasinye sinesiqoqo sawo amabhakede, ngakho-ke kungenzeka ukuthi akukho isikhala sokuzihlunga lapha.
I-Tax Foundation ibuye ilandise isimo samanje somuntu ngamunye intela yentela kanye nabakaki ku-website yayo. Ibuye ifake ulwazi mayelana nezintela zendawo, lapho zifaka khona. (I-New York City, isibonelo, inomthelela wayo kumholo.)
Uma usuqalile intela yakho yentela, isimo sombuso kanye nezinye izintela, thatha inani lentela ekhokhwayo bese ulihlukanisa ngenani lezinkokhelo ngonyaka. Uma ukhokhwa njalo ngenyanga, uzohlukanisa le nombolo ngo-12. Uma ukhokhelwe njalo ngesonto, uzohlukanisa ngo-52. Kulabo abakhokhwa njalo ngesonto, uhlukanisa ngo-26. Umphumela uzoba yinzuzo yakho emva kwentela .
Okunye ukukhishwa kwe-Pay-After Tax
Khumbula futhi ukukhipha noma yikuphi okunye ukukhipha okulindele ukwenziwa ngaphambi kokuthola inkokhelo yakho yentela. Kuncike ekutheni bangabekwe intela ngaphambi kwentela noma emva kwentela, ungakwazi ukuwahola emalini wakho ngaphambi noma emva kokubala intela yentela efanele. Isibonelo, uma unikela ngo-6% wemholo we-pretax ohlelweni lokuthatha umhlalaphansi ka-401k 401k noma uhlelo lokuthatha umhlalaphansi, thatha leso samba emalini wakho omningi ngaphambi kokubala intela yakho.
Izinkokhelo zomshuwalense wezempilo ezikhokhwa nguwe nazo zithathwe ekukhokhweni okukhulu, ngaphambi kokuba intela ikhishwe. Ngokubambisana nokunye okuhloswe kuzo, ungaqinisekisa ukuthi zikhishwa ngaphambi noma ngemuva kwentela, noma ukusebenzisa ukulinganisa kulawo manani.
Amabalayeli e-Paycheck e-Free Online
Imithombo ye-intanethi ingakusiza wenze lula inqubo. Uma unomqondo wokuthi ubani othola ucezu lwenkokhelo yakho kanye nokuthi ungakanani, ungakwazi ukunquma kalula ikhokhelo lakho lokuthatha ekhaya usebenzisa umbala wokubala wokukhokha.