Shaqada iyo canshuuraha Mareykanka mushaharka, federaalka vs gobolka, iyo aasaaska muhiimka ah

W-4, mushaharka, iyo sida ay u shaqeyso xajinta

Shaqo-bixiyahaagu wuxuu kaa codsanayaa inaad buuxiso Foomka W-4 ee kirada. W-4 wuxuu sheegayaa shaqaalaha mushaarka inta canshuurta dakhliga federaalka ah ee laga qaadi karo mushaarka kasta. Dadka ugu badan ee cusub waxay u baahan yihiin inay codsadaan "hal qof oo keli ah, aan lahayn kuwa ku xiran" haddii taasi ku habboon tahay, ka dibna cusbooneysiiso marka xaaladdaadu xasillooto aad u yar oo la xannibay macnaheedu waa biilka canshuurta bisha Abriil; aad u badan macnaheedu waa inaad lacag lacageed u soo amaahatay IRS-ka oo aan dulsaar lahayn.

Shaqaalaha Mareykanka waxay liiska ka dhigaan: mushaharka guud, canshuurta dakhliga federaalka, Ammaanka Bulshada (6.2% ilaa xaddiga mushaarka, $ 176,100 sanadkii 2025), Medicare (1.45% aan lahayn xaddiga, oo lagu daray 0.9% dheeraad ah dadka dakhliga sare leh), canshuurta dakhliga gobolka (halka ay khuseyso), canshuurta dakhliga maxalliga ah (magaalooyinka qaarkood), iyo wixii laga qaatay canshuurta ka hor (401(k), HSA, gunnada caymiska caafimaadka). Inta ka hartay waa mushaarkaaga "net" ama "guurista guriga".

Qeybaha canshuurta dakhliga federaalka (202526)

Kuwani waa heerarka xadka: kaliya doolarka ku jira hal qaybood ayaa lagu canshuuraa heerkaas. dhimista caadiga ah ($ 15,000 kali / $ 30,000 guursaday 2025) waxay yareysaa dakhliga canshuurta lacagaha ah ka hor inta aan la isticmaalin qaybaha taas oo macnaheedu yahay mid ka mid ah soo gudbiyaha kaliya ee kasbada $ 40,000 wuxuu leeyahay dakhliga canshuurta lacagaha ah ee $ 25,000 wuxuuna bixiyaa qiyaastii $ 2,700 canshuur federaal ah.

Marka lagu daro federaalka: Ammaanka Bulshada 6.2%, Medicare 1.45%, oo lagu daray canshuurta dakhliga gobolka (0% ee TX, FL, WA, NV, TN, SD, WY, AK; 510% + ee CA, NY, NJ, OR, HI, MN).

• 10% $0 $11,925 (hal qof) / $0 $23,850 (la wada geliyo)
• 12% $11,926 $48,475 / $23,851 $96,950
• 22% $48,476 $103,350 / $96,951 $206,700
• 24% $103,351 $197,300 / $206,701 $394,600
• 32% $197,301 $250,525 / $394,601 $501,050
• 35% $250,526 $626,350 / $501,051 $751,600
• 37% in ka badan $ 626,350 / $ 751,601

Canshuuraha gobolka iyo kuwa deegaanka ayaa si weyn u kala duwan

Sagaal gobol oo aan lahayn canshuur dakhli oo gobol ah: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming. (New Hampshire waxay leedahay canshuur xaddidan oo dulsaar / faa'iido ah oo la joojiyay.) Gobolladan waxay caadi ahaan ku magdhowdaan canshuur iib ah oo sareeya, canshuur hanti, ama labadaba.

Dowlad goboleedyada canshuurta sare leh waxaa ka mid ah California (heerka sare ee 13.3%), New York (10.9%), New Jersey (10.75%), Oregon (9.9%), Hawaii (11%), Minnesota (9.85%). Magaalooyinka qaarkood waxay ku darayaan canshuur dakhligooda: New York City (~3.6%), Philadelphia (~3.8%), Detroit, magaalooyin badan oo Ohio ah.

Canshuurta hantida (oo la bixiyo sannad walba hantida la leeyahay) waxay u kala duwan tahay si la mid ah: New Jersey, Illinois, New Hampshire waxay leeyihiin heerarka ugu sarreeya ee waxtarka leh; Hawaii, Alabama, Louisiana ayaa ugu hooseeya.

Codsashada foomka sanadlaha ah ee 1040

Shaqaalaha badankood ee Mareykanka waxay soo gudbiyaan warbixinta canshuurta federaalka ee sannadlaha ah (Form 1040) 15-ka Abriil ee sanadka soo socda. Xitaa haddii loo baahan yahay shaqo-bixiyaha, waxaad soo gudbiyaan si aad u heshiiyaan warbixinta waxay xisaabisaa canshuurta guud ee la bixiyo sanadka, waxay ka qaadataa wixii la joojiyay, waxayna soo celin doontaa kala duwanaanta ama waxay ku soo qaadi doontaa khaladaadka.

Diiwaangelinta fudud waxaa lagu soo gudbiyaa si elektaroonig ah iyada oo loo marayo barnaamijka ganacsiga (TurboTax, H&R Block, FreeTaxUSA, Cash App Taxes) ama, oo sii kordheysa, IRS Direct File pilot. Diiwaangelinta bilaashka ah waxaa loo heli karaa dakhliga ka yar $ 84,000 iyada oo loo marayo la-hawlgalayaasha IRS Free File. Diyaarinta canshuurta (H&R Block, Jackson Hewitt, CPAs maxalliga ah) waxay ku dallacaan $ 200500+ celinta caadiga ah; soo celinta adag ee la leh shaqo la'aan, kirada, ama dakhliga caalamiga ah ayaa badanaa xaq u leh CPA.

Xisaabaadka kahor canshuurta: 401 ((k), IRA, HSA, FSA

401 ((k) waa koontada hawlgabka ee goobta shaqada. Bixinnadu waa kahor canshuur (hoos u dhigista dakhliga canshuurta sanadka socda); koritaanka waa canshuur dib loo dhigaa; ka bixitaanka ka dib da'da 591⁄2 waxaa lagu canshuuraa dakhliga caadiga ah. Xadka 2026 waa $ 23,500 (shaqaalaha da'doodu ka yar tahay 50) oo lagu daray $ 7,500 oo lagu soo gaabiyo 50+. Shaqo-bixiyeyaashu intooda badan waxay la jaan qaadaan qayb ka mid ah dakhligaaga ugu yaraan, kaalin ku filan si aad u hesho buuxda.

IRAs (caadi ah iyo Roth) waa xisaabaadka hawlgabka shaqsiyeed ee aad ka furto wax kasta oo ka mid ah la-hawlgalayaasha (Fidelity, Vanguard, Schwab) ee ka baxsan shaqo-bixiyahaaga. Xadka 2026 waa $ 7,000 ($ 8,000 haddii 50 +). Bixinta Roth IRA waa canshuur ka dib; ka bixitaanka canshuur la'aan. Xadka dakhliga wuxuu xaddidaa deeqaha tooska ah ee Roth dakhliga sare; "dhinaca gadaal ee Roth" ayaa u shaqeeya inta badan.

HSA (Khawunta Keydinta Caafimaadka) oo la jaan qaadaya qorshe caafimaad oo aad u dhimaya. Saddex canshuur faa'iido leh: deeq-bixin kahor canshuur, kor u kaca canshuur la'aan, ka bixitaan canshuur la'aan kharashaadka caafimaadka ee aqoonta leh. Xisaabta canshuurta ugu awoodda badan ee canshuurta canshuurta ee xeerka canshuurta Mareykanka; ugu badnaan haddii aad leedahay HDHP.

FSA (Khawunta Kharashka Flexible) xisaab shaqo-bixiyaha kahor canshuurta ee daryeelka caafimaadka ama daryeelka dadka ay ku xiran yihiin. Isticmaal ama lumin: lacagaha aan la isticmaalin dhamaadka sanadka (oo la wareejiyo xaddidan) waa la luminayaa.

Shaqo-qabadka madax banaan, 1099, iyo qiyaasta saddexda bilood ee la soo dhaafay

Qandaraaslayaasha madax banaan iyo shaqaalaha madax banaan waxay helayaan Foomka 1099-NEC halkii ay ka heli lahaayeen W-2. Canshuur looma xaddido waa inaad adigu bixisaa, oo ay ku jiraan canshuur 15.3% ah oo loogu talagalay shaqsiyaadka iskiis u shaqeeya (Xirfadda Bulshada + Medicare isku daray; waxaad bixisaa labada badh) marka lagu daro canshuurta dakhliga caadiga ah. Tani waa qaladka ugu weyn ee ku dhaca shaqaalaha cusub ee ka socda waddamada ay bixiyaan shaqo-bixiyeyaasha kaalinka bulshada.

IRS waxay filaysaa dadka is-shaqeynaya inay bixiyaan canshuurta la qiyaasay saddexda biloodba (April 15, June 15, September 15, January 15). Bixinta yar waxay abuureysaa ganaax dulsaar ah. Ujeedada inaad bixiso 100% wadarta canshuurta sanadkii hore (110% haddii aad heshay in ka badan $ 150,000) afar biloodba mar sida xisaabinta dekedda badbaadada.

LLCs, S-corps, iyo qaab dhismeedyada kale ee ganacsiga: LLC waa hay'adda sharciga ah ee ugu jaban ($ 50500 si loo diiwaangeliyo iyadoo ku xiran gobolka) waxaana lagu canshuuraa sidii milkiile gaar ah oo aan la bixin. In ka badan ~ $ 6080k faa'iido, doorashada S-corp waxay si macquul ah u yareyn kartaa canshuurta shaqsiga iskiis u shaqeeya laakiin kharashka guud ee maamulka (shaqo-bixinta mushaarka, diiwaangelinta canshuurta ee gooni ah) waa mid dhab ah.

Waqtiga lacag bixinta ee fasaxa US patchwork

Ma jiro sharci federaal ah oo dammaanad ka qaada fasax mushahar leh, fasax bukaan oo mushahar leh, ama fasax mushahar leh Mareykanka. Haddii aad hesho mid ka mid ah waxay kuxirantahay shaqo-bixiyaha iyo gobolka. Shirkadaha dhexdhexaadka ah ilaa kuwa waaweyn waxay caadi ahaan bixiyaan 1020 maalmood oo mushahar ah iyo 510 fasax mushahar leh; qaar ayaa hadda leh siyaasado aan xadidneyn oo PTO ah (oo caddaymaha lagu soo jeediyay inay yareeyaan waqtiga dhabta ah ee la qaatay).

Fasaxa bukaanka ee la bixiyo waxaa lagu qasbay 17 gobol iyo DC (California, New York, New Jersey, Washington, Massachusetts, Maryland, Connecticut, iwm.) caadi ahaan 1 saacadood 3040 saacadood oo shaqo ah, oo lagu xaddido 4080 saacadood sanadkii.

Ciidaha federaalka ah ayaa xiran inta badan meelaha xafiiska; tafaariiqda iyo marti-gelinta ayaa sida caadiga ah ka shaqeeya ciidaha leh mushahar dheeri ah ama maalmaha ka qaybgalka. 11ka ciidaha federaalka ah iyo ciidaha shakhsiyeed ee dabaasha iyo dhalashada-off waa saldhig caadi ah oo qoorta cad ah.