Helu auhau. Mea koho hoʻihoʻi. Mea hoʻoheheʻe minoʻaka.
ʻO ka pane ʻana i kekahi mau nīnau e pili ana i kou ola, loaʻa a me nā lilo me kā mākou helu ʻauhau e pane i nā nīnau a mākou e makemake ai i nā pane: E loaʻa iaʻu kahi hoʻihoʻi a aie paha i ka IRS? ʻehia? 
Pehea e hana ai:
E pane i kekahi mau nīnau maʻalahi. Pono ka hapa nui o ʻAmelika e uku i nā ʻauhau kālā federal, akā ʻo ka nui āu e ʻaiʻē ai e pili ana i kekahi mau kumu. E hoʻohana mākou i kāu ʻike no ke koho ʻana i kou kūlana waiho ʻana a me ka loaʻa kālā ʻauhau, a laila e pane i ka nīnau “Ehia kaʻu e loaʻa hou ai i nā ʻauhau?” 
E haʻi mai iā mākou e pili ana i kāu loaʻa kālā. A laila, e luʻu liʻiliʻi mākou e ʻike i ka nui āu i uku ai i nā ʻauhau i kēia makahiki. No ka poʻe he nui, ʻo kēia ka nui i kāohi ʻia mai kā lākou uku uku e ka mea hana. 
E ʻike i kāu mau hōʻaiʻē a me nā unuhi. Me ka hoʻohana ʻana i kāu ʻike kālā, e ʻimi mākou i nā ʻauhau ʻauhau e pili ana i kāu hoʻihoʻi ʻana a i ʻole ka nui āu e ʻaiʻē ai, a me nā unuhi e hoʻohaʻahaʻa i kāu loaʻa ʻauhau. 
E ʻike i kāu manaʻo hoʻihoʻi ʻauhau. E helu mākou i ka ʻokoʻa o kāu ʻaiʻē a me kāu i uku ai. Inā ua uku mua ʻoe ma mua o ka mea āu e ʻaiʻē ai i ka ʻauhau, e loaʻa paha iā ʻoe kahi hoihoi. Inā ʻoe i uku liʻiliʻi, hiki iā ʻoe ke ʻaiʻē i ke koena.
Hoʻopili i nā kumu.
He ala maikaʻi loa kā mākou helu ʻauhau manuahi e aʻo ai e pili ana i kāu kūlana ʻauhau a hoʻolālā i mua. Hiki iā mākou ke kōkua iā ʻoe e hoʻomaopopo i kekahi o nā kumu nui e pili ana i kāu manaʻo hoʻihoʻi ʻauhau. ʻO nā ʻauʻa Federal ʻO kēia ka huina kālā i kāohi ʻia mai kāu mau uku uku a hoʻopili pololei ʻia i kāu bila ʻauhau federal no ka makahiki hoʻokahi e pili ana i kāu mau haʻawina W-4. ʻauhau ʻauhau a me nā ʻauhau ʻauhau Hoʻoholo ʻia kāu bracket ʻauhau e kāu loaʻa kālā ʻauhau a me ke kūlana waiho ʻana. E hōʻike ana kā mākou helu hoʻihoʻi ʻauhau iā ʻoe pehea.
Ke koi nei iā CTC a i ʻole RRC? Eia ka mea pono e ike.
Inā ʻoe e koi nei i ka ʻauhau ʻauhau keiki a i ʻole ka hōʻaiʻē hoʻihoʻi hou ʻana ma kāu ʻauhau 2021, e mālama pono i kāu leka IRS no kēlā me kēia ke waiho ʻoe. Ma kēia ala, hiki iā ʻoe ke hōʻike i nā huina kūpono i loaʻa a pale aku i nā lohi hiki i kāu hoʻihoʻi. Aia mākou e kōkua. 
E kiʻi i ke kōkua ʻauhau – akā pono ʻoe.
faila ma ka pūnaewele
E hana i kāu ʻauhau ponoʻī i kēlā me kēia manawa, ma nā wahi āpau, ma nā ʻaoʻao āpau. Nā nīnau? Hiki i kā mākou poʻe loea ʻauhau ke kōkua. 
E waiho me kahi mea ʻauhau
E kiʻi i ka hoʻomākaukau ʻauhau loea ma kahi kokoke a i ʻole ma ke kanaka. E hōʻiliʻili i kāu mau palapala a na kāu mea ʻauhau e hana i ke koena. 
ʻO ke kōkua ʻauhau āu e pono ai a me ka hoʻihoʻi nui loa, hōʻoia ʻia.
Hōʻoiaʻiʻo Hoʻihoʻi Max
Loaʻa i kēlā me kēia hōʻaiʻē a me ka unuhi ʻana āu e pono ai. E ʻimi i kahi hoʻihoʻi nui aʻe ma kahi ʻē aʻe? He manuahi kāu hoʻomākaukau ʻauhau.
Loaʻa nā ʻauhau ʻike
Loaʻa i kā mākou poʻe ʻauhau ka awelika o 10 mau makahiki ʻike. Aia mākou ma ʻaneʻi no ʻoe ke makemake ʻoe iā mākou.
Nui nā ala e waiho ai
E hoʻokō i kāu mau ʻauhau e kahi mea ʻauhau ma ke keʻena, ma ke wikiō, a ma ke kelepona paha. A i ʻole e hana iā ʻoe iho me ke kōkua loea, ma ke koi.
Ke kumu kūʻai akaka
E ʻike i ke kumukūʻai o ka hoʻomākaukau ʻauhau ma mua o kou hoʻomaka ʻana ma ke ʻano he ʻāpana o kā mākou No Surprise Guarantee. No laila, pehea ʻoe e hoʻoholo pololei ai i kāu kālā ʻauhau? E wāwahi kēia pou i nā kikoʻī o ka helu ʻana i ka loaʻa kālā ʻauhau me ka hoʻohana ʻana i kēia mau ʻanuʻu. E hoʻomanaʻo, ʻo kāu loaʻa kālā he ʻāpana o ka mea e hoʻoholo ai i ka nui o kāu ʻaiʻē i ka ʻauhau kālā federal a mokuʻāina. Ke hoʻomākaukau nei ʻoe i kāu hoʻihoʻi ʻauhau, kōkua ia e hoʻomaopopo i ke ʻano o ke kānāwai ʻauhau i kāu loaʻa kālā a pehea e hoʻoholo ai i ka loaʻa kālā ʻauhau.
Pehea e hoʻoholo ai i ka loaʻa kālā ʻauhau: Step-by-step
KaʻAnuʻu Hana 1: E hoʻoholo i kou kūlana waihona
ʻO ka mea mua, e hoʻoholo i kāu kūlana waiho . Inā male ʻoe, ʻo kāu koho maikaʻi loa ʻo ka waiho pū ʻana . Inā waiho pū ʻoe i kāu ʻauhau me kāu wahine, pono ʻoe e hoʻohui i kāu loaʻa kālā a pau e hoʻoholo i ka huina. Hiki iā ʻoe ke hoʻohui i kāu mau unuhi, a e uku pū ʻoe i kāu ʻauhau. ʻOiai inā ua male ʻoe, ʻoiai, hiki iā ʻoe ke hoʻoholo e waiho kaʻawale. Ke waiho ʻoe i kahi kaʻawale, ʻo ia ka mea e hoʻohui ʻoe i kāu loaʻa kālā, a uku ʻoe i kāu ʻauhau. Pono ʻoe e puʻunaue i kāu mau unuhi. ʻAʻole hiki iā ʻolua ke hoʻohana i nā lilo like no ka helu ʻana i ka nui o kāu mau unuhi ʻokoʻa. Aia kekahi mau moku’āina i nā kānāwai waiwai e koi ana i nā kāne male e waiho i nā hoʻihoʻi kaʻawale e hoʻohui i kekahi mau kālā a me nā lilo a nā kāne ʻelua a laila e hoʻokaʻawale i ka loaʻa a me nā lilo ma ka hoʻihoʻi. Ua ʻike ʻia kēia mau mokuʻāina he mokuʻāina waiwai kaiāulu . Inā ʻaʻole ʻoe i male, waiho ʻoe ma ke ʻano he hoʻokahi. I kekahi mau hihia, hiki i ka poʻe hoʻokahi a me ka poʻe i manaʻo ʻia ʻaʻole i mare ʻia no nā kumu ʻauhau hiki ke waiho ma ke ʻano he poʻo o ka ʻohana.
KaʻAnuʻu Hana 2: E noʻonoʻo i kāu ʻano o ka loaʻa kālā
Pono ka IRS e hōʻike i kāu loaʻa kālā a pau . Loaʻa kēia i kāu loaʻa ʻaoʻao, loaʻa kālā ukupanee, a me nā loaʻa kālā ʻē aʻe ma luna o nā mea āu i loaʻa ai mai ka uku a me nā ʻōlelo aʻoaʻo. Hōʻike pololei ʻia kēia mau kālā āpau ma kāu Pepa 1040 a i ʻole Hōʻike 1. Hoʻoholo ʻia kāu huina kālā loaʻa ma ka hoʻohui ʻana i nā ʻano kālā āpau i loaʻa iā ʻoe i ka makahiki ʻauhau/makahiki ʻauhau. Aia nā laina ʻokoʻa ma ke alo o ka Pepa 1040 a me ka Hōʻike 1 no nā ʻano kālā like ʻole, akā i ka manawa āu e hiki ai i ka hopena, e hoʻohui ʻoe i nā mea āpau. Inā waiho ʻoe ma kahi kaʻawale, pono ʻoe e makaʻala i ka loaʻa kālā ma kāu a me ka hoʻi ʻana mai o kāu kāne. Pono ʻoe e hōʻoia i ka inoa nona ka waiwai a hōʻike i ke kālā e like me ia. Inā noho ʻoe ma kahi mokuʻāina waiwai kaiāulu, pili nā lula like ʻole, a pono ʻoe e hōʻike i ka 50% o ka loaʻa kālā o ke kaiāulu. Pono ʻoe i nā moʻolelo maikaʻi e puʻunaue ana i nā unuhi no ka mea ʻaʻole hiki iā ʻolua ke hoʻohana i nā lilo like ke helu ʻoe i kāu mau unuhi. No ke kōkua ʻana i kēia, e hoʻohana i kā mākou helu helu ʻauhau maʻalahi.
KaʻAnuʻu Hana 3: E helu i nā unuhi a me ka loaʻa kālā ʻauhau
ʻO ka nīnau aʻe āu e nīnau ai iā ʻoe iho “Pehea wau e helu ai i kaʻu kālā ʻauhau?” E kōkua kēia ʻanuʻu iā ʻoe e ʻike i kāu kālā ʻauhau, ma hope o ka unuhi ʻana. Ke hōʻike ʻoe i kāu loaʻa kālā āpau ma kāu Pepa 1040 a me ka Hōʻike 1, a laila e loaʻa iā ʻoe ka manawa e hoʻoponopono ai i kāu loaʻa kālā ma ka Hōʻike 1. Ke hoʻohana nei i ka Hōʻike 1, hiki paha iā ʻoe ke hōʻemi i kāu loaʻa kālā me ke kōkua o nā haʻawina i kahi IRA kuʻuna , ukupanee hōʻaiʻē haumāna, hoʻemi ʻana i ka hana pilikino, a me nā lilo ʻē aʻe. ʻO ka hoʻohui ʻana i kēia mau mea ma ka laina 22 o ka Hōʻike 1 e hāʻawi iā ʻoe i ka nui o nā hoʻololi. A laila helu ʻia kāu loaʻa kālā i hoʻoponopono ʻia (AGI) ma ka unuhi ʻana i nā hoʻololi mai kāu huina kālā. ʻO kāu AGI ka hana aʻe i ka ʻike ʻana i kāu loaʻa ʻauhau. A laila e unuhi ʻoe i kekahi mau unuhi mai kāu AGI. ʻO ka huina i loaʻa ka loaʻa kālā ʻauhau kahi i helu ʻia ai kāu ʻauhau. ʻO ka maʻamau, hiki iā ʻoe ke lawe i ka unuhi maʻamau a i ʻole nā mea i hoʻemi ʻia . Inā he ʻoihana ʻoe, hiki paha iā ʻoe ke kūpono no ka unuhi ʻana i ka loaʻa kālā . Ma hope o kou helu ʻana i kāu ʻauhau, hiki paha iā ʻoe ke koho i kekahi mau hōʻaiʻē e hoʻohaʻahaʻa i kāu ʻauhau ʻauhau, e like me ka ʻauhau keiki a me nā hōʻaiʻē hoʻonaʻauao . Inā male ʻoe, hiki ke holo i ka helu ʻana ma mua o hoʻokahi ala e hoʻoholo ai i ka hopena o ka ʻauhau ʻauhau haʻahaʻa o ka home. E hoʻoholo i nā helu e like me ka hoʻopaʻa inoa male ʻana, a me ka waiho ʻana i kahi kaʻawale, a laila e ʻike i ka mea e emi ai ke kālā i uku ʻia i ka huina ʻauhau.
Kōkua me pehea e helu ai i ka loaʻa kālā ʻauhau ma aneʻi
Inā makemake ʻoe ʻaʻole e hele hoʻokahi, aia mākou ma ʻaneʻi e kōkua. Inā ʻoe e hana i kahi manawa me kekahi o kā mākou ʻoihana ʻauhau ʻike a i ʻole e koho i kekahi o kā mākou huahana waihona ʻauhau pūnaewele , e kōkua mākou iā ʻoe e hoʻoholo i kāu loaʻa ʻauhau ma ke ʻano o ka hoʻomākaukau ʻana i kāu hoʻihoʻi. Eia hou, hiki iā ʻoe ke hilinaʻi ma ka H&R Block e kōkua iā ʻoe e hoʻihoʻi i ke kālā nui loa. E hoʻohālikelike i ka nui o kāu ʻaiʻē i nā ʻauhau federal, me ka hoʻohana ʻana i kāu loaʻa kālā, nā unuhi a me nā hōʻaiʻē – nā mea āpau ma kahi liʻiliʻi wale nō me kā mākou helu ʻauhau. ʻO nā ʻauhau federal i manaʻo ʻia he $15,009 Manaʻo mākou he $15,009 kāu aie
Pehea mākou i hiki ai i ʻaneʻi
Nā ʻauhau ʻauhau kālā Federal ʻO ka ʻauhau kālā o ʻAmelika Hui Pū ʻIa, ʻo ia hoʻi, ʻo ka nui āu e hana ai e hoʻokomo iā ʻoe i loko o kekahi o nā ʻauhau ʻauhau federal ʻehiku: Nā faila hoʻokahi
| ʻauhau ʻauhau | Paʻa kālā ʻauhau | ʻauhau ʻaiʻē |
|---|---|---|
| 10% | $0 a i $9,950 | 10% o ka loaʻa ʻauhau |
| 12% | $9,951 a i $40,525 | $995 me 12% o ka huina ma luna o $9,950 |
| 22% | $40,526 a i $86,375 | $4,664 me 22% o ka huina ma luna o $40,525 |
| 24% | $86,376 i $164,925 | $14,751 me 24% o ka huina ma luna o $86,375 |
| 32% | $164,926 i $209,425 | $33,603 me 32% o ka huina ma luna o $164,925 |
| 35% | $209,426 i $523,600 | $47,843 me 35% o ka huina ma luna o $209,425 |
| 37% | $523,601 a ʻoi aku paha | $157,804.25 me 37% o ka huina ma luna o $523,600 |
Mare, waiho like
| ʻauhau ʻauhau | Paʻa kālā ʻauhau | ʻauhau ʻaiʻē |
|---|---|---|
| 10% | $0 a i $19,900 | 10% o ka loaʻa ʻauhau |
| 12% | $19,901 a i $81,050 | $1,990 me 12% o ka huina ma luna o $19,900 |
| 22% | $81,051 a i $172,750 | $9,328 me 22% o ka huina ma luna o $81,050 |
| 24% | $172,751 a i $329,850 | $29,502 me 24% o ka huina ma luna o $172,750 |
| 32% | $329,851 i $418,850 | $67,206 me 32% o ka huina ma luna o $329,850 |
| 35% | $418,851 i $628,300 | $95,686 me 35% o ka huina ma luna o $418,850 |
| 37% | $628,301 a ʻoi aku paha | $168,993.50 me 37% o ka huina ma luna o $628,300 |
Mare, waiho kaawale
| ʻauhau ʻauhau | Paʻa kālā ʻauhau | ʻauhau ʻaiʻē |
|---|---|---|
| 10% | $0 a i $9,950 | 10% o ka loaʻa ʻauhau |
| 12% | $9,951 a i $40,525 | $995 me 12% o ka huina ma luna o $9,950 |
| 22% | $40,526 a i $86,375 | $4,664 me 22% o ka huina ma luna o $40,525 |
| 24% | $86,376 i $164,925 | $14,751 me 24% o ka huina ma luna o $86,375 |
| 32% | $164,926 i $209,425 | $33,603 me 32% o ka huina ma luna o $164,925 |
| 35% | $209,426 i $314,150 | $47,843 me 35% o ka huina ma luna o $209,425 |
| 37% | $314,151 a oi | $84,496.75 me 37% o ka huina ma luna o $314,150 |
Poʻo hale
| ʻauhau ʻauhau | Paʻa kālā ʻauhau | ʻauhau ʻaiʻē |
|---|---|---|
| 10% | $0 a i $14,200 | 10% o ka loaʻa ʻauhau |
| 12% | $14,201 a i $54,200 | $1,420 me 12% o ka huina ma luna o $14,200 |
| 22% | $54,201 a i $86,350 | $6,220 me 22% o ka huina ma luna o $54,200 |
| 24% | $86,351 a i $164,900 | $13,293 me 24% o ka huina ma luna o $86,350 |
| 32% | $164,901 i $209,400 | $32,145 me 32% o ka huina ma luna o $164,900 |
| 35% | $209,401 i $523,600 | $46,385 me 35% o ka huina ma luna o $209,400 |
| 37% | $523,601 a ʻoi aku paha | $156,355 me 37% o ka huina ma luna o $523,600 |
ʻO ka bracket āu e pae ai e pili ana i kou kūlana hoʻopaʻa inoa: hoʻokahi, male hoʻopaʻa inoa hui, male hoʻopaʻa ʻokoʻa, a me ke poʻo o ka ʻohana. ʻO ke koho ʻana i ke kūlana hoʻopiʻi kūpono hiki ke loaʻa ka hopena nui i ka helu ʻana o kāu bila ʻauhau. Ka unuhi maʻamau vs Ke hoʻoholo nei pehea e lawe ai i kāu mau unuhi – ʻo ia hoʻi, pehea ka nui o ka unuhi ʻana mai kāu loaʻa kālā nui i hoʻololi ʻia, pēlā e hōʻemi ai i kāu loaʻa ʻauhau – hiki ke hoʻololi nui i kāu bila ʻauhau. Akā ʻaʻole maʻalahi ka hana ʻana i kēlā hoʻoholo. ʻO ka unuhi maʻamau he hōʻemi paʻa i kāu loaʻa kālā nui i hoʻololi ʻia, ka nui i hoʻoholo ʻia e ka Congress a manaʻo ʻia e hoʻomau i ka hoʻonui. Ma kahi kokoke i 70% o nā faila e lawe iā ia, no ka mea e wikiwiki a maʻalahi ke kaʻina hana hoʻomākaukau ʻauhau.
| Kūlana waiho | 2021 makahiki ʻauhau | 2022 makahiki ʻauhau |
|---|---|---|
| hoʻokahi | $12,550 | $12,950 |
| Mare, waiho like | $25,100 | $25,900 |
| Mare, waiho kaawale | $12,550 | $12,950 |
| Poʻo hale | $18,800 | $19,400 |
ʻO ka poʻe i hoʻokaʻawale ʻia e hana pēlā no ka mea ʻoi aku ka nui o kā lākou unuhi ʻana ma mua o ka unuhi maʻamau, e mālama i ke kālā. ʻAe ka IRS iā ʻoe e unuhi i kahi litany o nā lilo mai kāu loaʻa kālā, akā ʻo ka mālama moʻolelo ke kī – pono ʻoe e hiki ke hōʻoia, maʻamau me nā loaʻa, he kūpono nā lilo āu e unuhi nei. ʻO kēia ke ʻano o ka hoʻoikaika ʻana, akā ʻo ia paha ke ʻano o ka mālama kālā. Pehea e hana ai nā unuhi a me nā hōʻaiʻē Hoʻemi ʻelua i kāu bila ʻauhau, akā ma nā ʻano like ʻole. ʻO nā hōʻaiʻē ʻauhau e hoʻemi pololei i ka nui o ka ʻauhau āu e ʻaiʻē ai, ke kālā no ke kālā. ʻO kahi hōʻaiʻē ʻauhau i waiwai ʻia ma $1,000, no ka laʻana, hoʻohaʻahaʻa i kāu bila ʻauhau ma $1,000. ʻO ka ʻauhau ʻauhau, ma ka ʻaoʻao ʻē aʻe, e hoʻemi i ka nui o kāu loaʻa kālā e pili ana i ka ʻauhau. ʻO nā unuhi e hoʻohaʻahaʻa i kāu loaʻa ʻauhau e ka pākēneka o kāu bracket ʻauhau loaʻa federal kiʻekiʻe loa. No ka laʻana, inā hāʻule ʻoe i ka bracket ʻauhau 25%, he $1,000 ka unuhi e mālama iā ʻoe i $250. Hoʻomaka ka manaʻo ʻana i kahi bila ʻauhau me ka koho ʻana i ka loaʻa ʻauhau. I ka pōkole, e koho i ka loaʻa ʻauhau, lawe mākou i ka loaʻa kālā nui a unuhi i nā ʻauhau ʻauhau. ʻO ka loaʻa kālā ʻauhau. A laila hoʻohana mākou i ka bracket ʻauhau kūpono (e pili ana i ka loaʻa kālā a me ke kūlana waiho) e helu ai i ke kuleana ʻauhau. ʻO nā hōʻaiʻē ʻauhau a me nā ʻauhau i ʻauʻa ʻia mai kāu mau uku uku e uhi i kēlā bila no ka makahiki. Inā ʻaʻole, pono paha ʻoe e uku i ke koena i ka manawa ʻauhau. Inā ua uku nui ʻoe, e loaʻa iā ʻoe kahi hoʻihoʻi ʻauhau.
He aha kaʻu ʻauhau?
He ʻōnaehana ʻauhau holomua ko ʻAmelika Hui Pū ʻIa, ʻo ia hoʻi ka poʻe me ka ʻauhau ʻauhau kiʻekiʻe e uku i nā kumukūʻai ʻauhau kālā federal. Eia nā ʻauhau ʻauhau o kēia manawa.
Woo hoo! Loaʻa paha iaʻu kahi hoʻihoʻi ʻauhau nui!
Mai hauʻoli nui; He hōʻailona paha kēia i ka nui o kāu ʻauhau i ʻauʻa ʻia mai kāu uku uku a me ka noho pono ʻole ʻana i kāu mau loaʻa kālā i ka makahiki āpau. Hiki iā ʻoe ke hoʻohana i ka Pepa W-4 e hōʻemi maʻalahi i kāu kāohi ʻana i kēia manawa no laila ʻaʻole pono ʻoe e kali i ke aupuni e hoʻihoʻi i kāu kālā ma hope.
ʻAʻole! ʻAʻole hiki iaʻu ke uku i kēia bila ʻauhau! He aha kaʻu e hana ai?
Makemake au i ke kōkua hou aku i koʻu kūlana ʻauhau. Ma hea wau e hele ai?
Ua uhi mākou iā ʻoe. Hiki i kēia mau ʻatikala NerdWallet ke kuhikuhi iā ʻoe i:
Ka Auhau Loaa Pekelala
Kiʻi kiʻi: ©iStock.com/Veni ʻO ka ʻauhau kālā pilikino federal e lawelawe ʻia ana e ka Internal Revenue Service (IRS) ke kumu nui loa o ka loaʻa kālā no ke aupuni federal US. Ma kahi kokoke i nā poʻe ʻAmelika e hana nei e waiho i kahi hoʻihoʻi ʻauhau me ka IRS i kēlā me kēia makahiki. Ma waho aʻe o kēia, ʻo ka hapa nui o ka poʻe e uku i nā ʻauhau i loko o ka makahiki ma ke ʻano o nā ʻauhau uku i kāohi ʻia mai kā lākou uku uku. Ua helu ʻia nā ʻauhau kālā ma ka US ma muli o nā kumukūʻai ʻauhau mai 10% a 37%. Hiki i nā mea ʻauhau ke hoʻohaʻahaʻa i kā lākou kaumaha ʻauhau a me ka nui o nā ʻauhau a lākou e ʻaiʻē ai ma ke koi ʻana i nā unuhi a me nā hōʻaiʻē. Hiki i ke kākā’ōlelo kālā ke kōkua iā ʻoe e hoʻomaopopo i ke kūpono o ka ʻauhau i kāu mau pahuhopu kālā holoʻokoʻa. Hiki i nā ʻōlelo aʻoaʻo kālā ke kōkua pū me ka hoʻolālā kālā a me nā hoʻolālā kālā, e like me ka hoʻomaha ʻana, ka ʻona home, ka ʻinikua a me nā mea hou aʻe, e ʻike pono e hoʻomākaukau ana ʻoe no ka wā e hiki mai ana.
Helu Auhau Loaa
He ʻōnaehana ʻauhau holomua ko ʻAmelika Hui Pū ʻIa. ʻO ia hoʻi, aia nā kumukūʻai ʻauhau kiʻekiʻe no nā pae kālā kiʻekiʻe. Ua kapa ʻia kēia mau mea “ʻauhau ʻauhau liʻiliʻi,” ʻo ia hoʻi, ʻaʻole pili lākou i ka huina kālā, akā i ka loaʻa wale nō i loko o kahi kikoʻī. Ua kapa ʻia kēia mau pae he brackets. ʻO ka loaʻa kālā i hāʻule i loko o kahi bracket kikoʻī e ʻauhau ʻia ma ka uku no kēlā bracket. Hōʻike ka papa ma lalo nei i nā ʻauhau ʻauhau no ka ʻauhau kālā federal, a e hōʻike ana ia i nā uku no ka makahiki ʻauhau 2021, ʻo ia nā ʻauhau i ka hoʻomaka ʻana o 2022.
2021 — 2022 Puka Auhau Loaa
- Nā faila hoʻokahi
- Mare, waiho hui
- Mare, Waiho kaawale
- Poo o ka Hale
| Nā faila hoʻokahi | |
| Loaʻa Auhau | Laki |
|---|---|
| $0 — $9,950 | 10% |
| $9,950 — $40,525 | 12% |
| $40,525 — $86,375 | 22% |
| $86,375 — $164,925 | 24% |
| $164,925- $209,425 | 32% |
| $209,425 — $523,600 | 35% |
| $523,600+ | 37% |
| Mare, waiho hui | |
| Loaʻa Auhau | Laki |
|---|---|
| $0 — $19,900 | 10% |
| $19,900 — $81,050 | 12% |
| $81,050 — $172,750 | 22% |
| $172,750 — $329,850 | 24% |
| $329,850 — $418,850 | 32% |
| $418,850 — $628,300 | 35% |
| $628,300+ | 37% |
| Mare, Waiho kaawale | |
| Loaʻa Auhau | Laki |
|---|---|
| $0 — $9,950 | 10% |
| $9,950 — $40,525 | 12% |
| $40,525 — $86,375 | 22% |
| $86,375 — $164,925 | 24% |
| $164,925- $209,425 | 32% |
| $209,425 — $314,150 | 35% |
| $314,150+ | 37% |
| Poo o ka Hale | |
| Loaʻa Auhau | Laki |
|---|---|
| $0 — $14,200 | 10% |
| $14,200 — $54,200 | 12% |
| $54,200 — $86,350 | 22% |
| $86,350 — $164,900 | 24% |
| $164,900 — $209,400 | 32% |
| $209,400 — $523,600 | 35% |
| $523,600+ | 37% |
E ʻike ʻoe he ʻokoʻa nā bracket ma muli o kou male kāne, male a he poʻo hale paha. Ua kapa ʻia kēia mau ʻano ʻokoʻa i ke kūlana waiho ʻana. Hiki i ka poʻe male ke koho e waiho ma kahi kaʻawale a hui pū paha. ʻOiai he mea maʻalahi ke waiho pū ʻana, ʻoi aku ka maikaʻi o ka waiho ʻana i kahi kaʻawale i kekahi mau kūlana. Ma muli o nā kumukūʻai ma ka papa ma luna, e loaʻa i kahi faila hoʻokahi me ka loaʻa kālā o $50,000 ka nui o ka ʻauhau marginal o 22%. Eia naʻe, ʻaʻole e uku ka mea ʻauhau i kēlā uku ma nā $50,000 a pau. ʻO ka uku ma ka $9,950 mua o ka loaʻa ʻauhau he 10%, a laila 12% ma ka $30,575 e hiki mai ana, a laila 22% ma ka $9,475 hope loa e hāʻule ana i ke kolu bracket. ʻO kēia no ka mea pili wale nā uku ʻauhau marginal i ka loaʻa kālā i hāʻule i loko o kēlā bracket kikoʻī. Ma muli o kēia mau kumukūʻai, he $6,748.50 ka ʻaiʻē o kēia hypothetical $50,000, ʻo ia ka helu ʻauhau kūpono ma kahi o 13.5%.
Ka helu ʻana i ka loaʻa ʻauhau me ka hoʻohana ʻana i nā hoʻokuʻu a me nā hoʻemi
ʻOiaʻiʻo, ʻaʻole maʻalahi ka helu ʻana i ka nui o kāu ʻaiʻē. No ka hoʻomaka ʻana, pili nā uku ʻauhau federal i ka loaʻa kālā ʻauhau. He ʻokoʻa kēia ma mua o kāu loaʻa kālā, i ʻike ʻole ʻia ʻo ka loaʻa kālā nui. ʻOi aku ka haʻahaʻa o ka loaʻa ʻauhau ma mua o ka loaʻa kālā mai ka ʻae ʻana o ʻAmelika i ka poʻe ʻauhau e unuhi i kekahi mau kālā mai kā lākou loaʻa kālā nui e hoʻoholo ai i ka loaʻa kālā ʻauhau. No ka helu ʻana i ka loaʻa kālā ʻauhau, hoʻomaka ʻoe ma ka hana ʻana i kekahi mau hoʻololi ʻana mai ka loaʻa kālā nui a hiki i ka loaʻa kālā nui i hoʻoponopono ʻia (AGI). Ke helu ʻoe i ka loaʻa kālā nui i hoʻololi ʻia, hiki iā ʻoe ke unuhi i nā unuhi āu i kūpono ai (i ʻike ʻia a i ʻole maʻamau) e hōʻea i ka loaʻa kālā ʻauhau. E hoʻomaopopo ʻaʻole ʻaʻohe hoʻokuʻu pilikino ma ka pae federal. Ma mua o 2018, hiki i nā mea ʻauhau ke koi i kahi hoʻokuʻu pilikino, kahi i hoʻohaʻahaʻa i ka loaʻa kālā ʻauhau. ʻO ka hoʻolālā ʻauhau i hoʻopaʻa ʻia i ka hopena o 2017 i hoʻopau i ka hoʻokuʻu pilikino. ʻOi aku ka paʻakikī o nā unuhi. Nui ka poʻe ʻauhau e koi ana i ka unuhi maʻamau, ʻokoʻa ma muli o ke kūlana waiho ʻana, e like me ka hōʻike ʻana ma ka papa ma lalo.
2021 — 2022 Nā Hoʻemi Kūlana Federal
| Kūlana waiho | Ka huina hooemi ma’amau |
|---|---|
| hoʻokahi | $12,550 |
| Mare, waiho hui | $25,100 |
| Mare, Waiho kaawale | $12,550 |
| Poo o ka Hale | $18,800 |
Hiki i kekahi poʻe ʻauhau ke koho i kā lākou hoʻemi ʻana. ʻO ia hoʻi ka unuhi ʻana i kekahi mau lilo a me nā hoʻolilo kūpono. ʻO nā unuhi hiki ke loaʻa nā uku uku ukupanee haumāna, nā haʻawina i kahi IRA, nā hoʻolimalima neʻe a me nā haʻawina ʻinikua olakino no ka poʻe hana ponoʻī. ʻO nā unuhi kikoʻī maʻamau pū kekahi:
- Hoʻemi ʻia no ka ʻauhau mokuʻāina a me ka ʻāina i uku ʻia: ʻIke ʻia hoʻi ʻo ka SALT deduction, hiki i ka poʻe ʻauhau ke unuhi a hiki i $10,000 o nā ʻauhau mokuʻāina a me nā ʻauhau kūloko a me kā lākou ʻauhau kālā mokuʻāina a kūloko a ʻauhau kūʻai paha.
- Hoʻemi ʻia no ka uku panee moraki: Uku ʻia ka ukupanee ma nā moraki a hiki i ʻelua mau hale, me ka kaupalena ʻia i kāu ʻaiʻē mua $1 miliona. ʻO nā hale i kūʻai ʻia ma hope o Dec. 15, 2017 i hoʻohaʻahaʻa ʻia i ka $750,000 mua o ka moraki.
- Wehe no nā haʻawina manawaleʻa
- Hoʻemi ʻia no nā koina olakino ma mua o 7.5% o AGI
E hoʻomanaʻo i ka hapa nui o ka poʻe ʻauhau ʻaʻole i helu i kā lākou unuhi ʻana. Inā ʻoi aku ka nui o ka unuhi maʻamau ma mua o ka huina o kāu mau unuhi kikoʻī (e like me ia no nā mea ʻauhau he nui), e loaʻa iā ʻoe ka unuhi maʻamau. Ke unuhi ʻoe i nā unuhi mai kāu loaʻa kālā nui i hoʻololi ʻia, loaʻa iā ʻoe kāu kālā ʻauhau. Inā ʻaʻole kāu kālā ʻauhau, ʻo ia hoʻi, ʻaʻole ʻoe e ʻaiʻē i ka ʻauhau loaʻa.
Pehea e helu ai i nā aie ʻauhau Federal
©iStock.com/Pgiam ʻAʻole like me nā hoʻololi a me nā unuhi, pili i kāu loaʻa kālā, pili nā ʻauhau ʻauhau i kāu kuleana ʻauhau, ʻo ia hoʻi ka nui o ka ʻauhau āu e ʻaiʻē ai. No ka laʻana, inā e helu ʻoe he $1,000 kāu ʻauhau ma muli o kāu loaʻa kālā ʻauhau a me kāu ʻauhau ʻauhau, a ua kūpono ʻoe i kahi hōʻaiʻē ʻauhau o $200, e hōʻemi ana i kāu kuleana i $800. ʻO ia hoʻi, he $800 wale nō kāu aie i ke aupuni federal. Hāʻawi ʻia nā hōʻaiʻē ʻauhau ma kekahi mau kūlana, akā naʻe. Hoʻihoʻi hou ʻia kekahi mau hōʻaiʻē, ʻo ia ka mea hiki iā ʻoe ke loaʻa ka uku no lākou inā ʻaʻole ʻoe ʻaiʻē i ka ʻauhau loaʻa. ʻO ka ʻokoʻa, hiki i nā hōʻaiʻē ʻauhau ʻole ke hoʻihoʻi ʻole ke hōʻemi i kāu kuleana ma lalo o ka zero. Hōʻike ka papa inoa ma lalo nei i nā hōʻaiʻē ʻauhau loaʻa federal.
- ʻO ka ʻauhau ʻauhau loaʻa he hōʻaiʻē hoihoi no ka poʻe ʻauhau me ka loaʻa kālā ma lalo o kahi pae. ʻO ka hōʻaiʻē 2021 hiki ke piʻi i $6,728 no ka poʻe ʻauhau me ʻekolu a ʻoi aku paha nā keiki, a i ʻole nā haʻahaʻa haʻahaʻa no ka poʻe ʻauhau me ʻelua, hoʻokahi a ʻaʻohe keiki.
- ʻO ka Child and Dependent Care Credit he hōʻaiʻē hiki ʻole ke hoʻihoʻi ʻia a hiki i $4,000 (no hoʻokahi keiki) a i ʻole $8,000 (no ʻelua a ʻoi aku paha keiki) pili i nā lilo mālama keiki i loaʻa i ka wā e hana ana a e ʻimi ana paha i kahi hana.
- ʻO ka Adoption Credit he hōʻaiʻē hiki ʻole ke hoʻihoʻi ʻia e like me kekahi mau lilo e pili ana i ka hoʻopaʻa ʻana i kahi keiki.
- ʻO ka American Opportunity Tax Credit kahi hōʻaiʻē e hoʻihoʻi ʻia a hiki i $2,500 i kēlā me kēia makahiki no nā uku hoʻopaʻa inoa, nā haʻawina, nā haʻawina a me nā koina kūpono ʻē aʻe no kāu mau makahiki ʻehā o ke kula kiʻekiʻe.
Nui nā hōʻaiʻē ʻē aʻe, ʻo ia hoʻi nā hōʻaiʻē no ka hoʻokomo ʻana i nā mea hana ikaika, kahi hōʻaiʻē no nā ʻauhau ʻē aʻe i uku ʻia a me kahi hōʻaiʻē no ka uku ʻinikua olakino ma kekahi mau kūlana.
Ka helu ʻana i kāu hoʻihoʻi ʻauhau
Kiʻi kiʻi: ©iStock.com/ShaneKato ʻO ka loaʻa ʻana o ka ʻauhau ʻauhau a ʻaʻole paha e pili ana i ka nui o nā ʻauhau āu i uku ai i ka makahiki. ʻO kēia no ka mea ua ʻauʻa lākou mai kāu uku. Eia nō naʻe, pili ia i kāu ʻauhau ʻauhau a inā paha i loaʻa iā ʻoe kekahi mau hōʻaiʻē ʻauhau hoihoi. Ke waiho ʻoe i kāu hoʻihoʻi ʻauhau, inā ʻoi aku ka nui o nā ʻauhau āu e ʻaiʻē ai (kou ʻauhau ʻauhau) ma mua o ka nui i ʻauʻa ʻia mai kāu uku i ka wā o ka makahiki, e loaʻa iā ʻoe kahi uku no ka ʻokoʻa. ʻO kēia ke kumu maʻamau i loaʻa i nā kānaka ka hoʻihoʻi ʻauhau. Inā ʻaʻole ʻoe i ʻauhau i loko o ka makahiki a ʻaʻohe ʻauhau, akā ua kūpono ʻoe i hoʻokahi a ʻoi aku paha nā ʻauhau ʻauhau e hoʻihoʻi ʻia, e loaʻa pū ʻoe i kahi hoihoi e like me ka nui o nā hōʻaiʻē.
Ka Uku Auhau
Inā ʻaʻole ʻoe e hoʻihoʻi i ka ʻauhau a ʻaiʻē ʻoe i ke kālā i ka lā ʻauhau, aia paha kahi ala e hoʻemi ai i ka maʻi. No ka hoʻomaka, pono ʻoe e waiho i kāu ʻauhau i ka manawa. A i ʻole, pono ʻoe e uku i ka uku no ka waiho ʻana i ka lohi. Inā manaʻo ʻoe ʻaʻole hiki iā ʻoe ke uku i kāu bila ʻauhau piha, a laila pono ʻoe e uku e like me kou hiki a hoʻopili i ka IRS. Hiki paha i ke keʻena ke hāʻawi iā ʻoe i kekahi mau koho uku e kōkua iā ʻoe e uku i kāu pila. No ka laʻana, hiki i ka IRS ke hāʻawi i kahi hōʻiliʻili pōkole a hoʻopaneʻe paha. Loaʻa paha iā ʻoe ke koho e uku i kāu bila i koe ma luna o nā uku he nui. E uku mau paha ʻoe i nā uku ukupanee ma nā koena i hala, akā i kekahi mau hihia, hiki i ka IRS ke hoʻokuʻu i nā hoʻopaʻi a i ʻole nā uku. Eia hou, pono ʻoe e kelepona i ka ʻoihana ma ka helu ma luna e kūkākūkā i kāu mau koho. Ke uku nei ʻoe i kāu bila ʻauhau, ʻo kekahi mea e noʻonoʻo ai ʻo ka hoʻohana ʻana i kahi lawelawe hoʻopiʻi ʻauhau e ʻae iā ʻoe e uku i kāu ʻauhau ma ke kāleka hōʻaiʻē. Ma ia ala hiki iā ʻoe ke loaʻa i nā uku kāleka hōʻaiʻē koʻikoʻi a me nā helu ke uku ʻoe i kāu pila. Ua ʻae ka IRS i ʻekolu papa hana uku e hōʻiliʻili i nā uku ʻauhau ma ke kāleka hōʻaiʻē: PayUSAtax, Pay1040 a me ACI Payments, Inc. Eia naʻe, pono e hoʻomanaʻo i ka uku ʻana o nā kaʻina hana ʻekolu i nā uku ma kahi o 2% o kāu uku no nā kālepa kāleka hōʻaiʻē. E hoʻopaʻa ʻelua i kēlā me kēia uku āu e loaʻa ai ke kumu kūʻai keu. ʻO ke ala haʻahaʻa loa e uku ai i ka bila ʻauhau ma o ka leka a i ʻole ma o IRS Direct Pay, kahi e hiki ai iā ʻoe ke uku pololei i kāu pila mai kahi waihona mālama kālā a nānā paha. E hāʻawi nā lawelawe waihona ʻauhau nui iā ʻoe i nā kuhikuhi no kēia mau koho uku ʻelua.
Nā ʻauhau loaʻa mokuʻāina a kūloko
Nui nā mokuʻāina, a me kekahi mau kūlanakauhale a me nā kalana, i kā lākou ʻauhau loaʻa. ʻOhi ʻia kēia me ka ʻauhau kālā federal. ʻO nā mokuʻāina i loaʻa ka ʻauhau ʻauhau mokuʻāina e koi aku iā ʻoe e waiho i kahi hoʻihoʻi ʻauhau mokuʻāina ʻokoʻa, no ka mea, aia kā lākou mau lula ponoʻī. Inā makemake ʻoe i ka ʻōnaehana ʻauhau a me nā lula o kekahi mokuʻāina, e kipa i kekahi o kā mākou ʻaoʻao ʻauhau mokuʻāina.
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