Izinkokhelo kanye nezintela zemali engenayo yomuntu siqu · Isifundo 1 3

Funda i-pay stub yakho bese ugcwalisa i-W-4 yakho

Funda ukuthi umugqa ngamunye ku-stub yakho yokukhokha usho ukuthini, gcwalisa ifomu W-4 isinyathelo ngesinyathelo, futhi ugweme umthethosivivinywa wentela ongalindelekile noma ukubuyiselwa kwemali okukhulu kunalokho okumele kube. (About 15 min, 5 quiz questions)

Kulesi sifundo

Yini ozoyifunda

Khomba ukuncishiswa ngakunye ku-pay stub, kufaka phakathi intela yemali engenayo, ukuphepha kwezenhlalo, kanye ne-Medicare.
Chaza ukuthi ifomu W-4 lilawula kanjani ukuthi ingakanani intela yemali engenayo egodliwe emholweni wakho.
Nquma ukuthi uzobuyekeza nini ukugcinwa kwakho ngemuva kokushintsha kwempilo, njengomsebenzi wesibili noma ingane entsha.
Tshela umehluko phakathi kwesisebenzi (W-2) nosonkontileka ozimele (1099).

Ukuthi lokhu kuxhumene kanjani namakilasi ethu: Ikilasi lethu lethula izitatimende zokukhokha kanye nefomu W-4. Lesi sifundo sengeza isampula yokukhokha enezinombolo zangempela, ukuhamba kwesinyathelo ngasinye se-W-4, kanye nemithetho yabantu abahlala engxenyeni eyodwa yendawo ye-DC futhi basebenza kwenye.

Amagama okumele wazi

Inkokhelo ephelele (Gross pay): Inkokhelo yakho ephelele ngaphambi kokuthi noma yini ikhishwe ngaphandle.
Inkokhelo yeNet (Net pay): Imali oyitholayo ngemuva kwentela nokunye ukudonswa. Okubizwa nangokuthi inkokhelo yokuthatha.
Ukugodla (Withholding): Imali umqashi wakho ayithatha emholweni wakho bese ethumela kuhulumeni ukukhokha intela yakho.
Ifomu W-4 (Form W-4): Ifomu likahulumeni olinikeza umqashi wakho ukumtshela ukuthi ingakanani intela yemali engenayo kahulumeni okufanele uyithathe emholweni wakho.
Izintela ze-FICA (FICA taxes): Intela yezokuphepha kwezenhlalo kanye ne-Medicare. I-FICA imele i-Federal Insurance Contributions Act.
Usonkontileka ozimele (Independent contractor): Isisebenzi esiziqashile. Ayikho intela egodliwe, futhi isisebenzi sithola ifomu 1099 esikhundleni sefomu W-2.

I-stub yakho yokukhokha, umugqa ngomugqa

Isitatimende sokukhokha (esibizwa nangokuthi isitatimende sokukhokha) siza nesheke ngalinye lokukhokha noma idiphozi eqondile, ephepheni noma ku-inthanethi. Hlola njalo ngosuku lokukhokha. Ikhombisa ukuthi inkokhelo yakho ibalwa kanjani, futhi imvamisa yindawo yokuqala yokuthola iphutha.

Inkokhelo ephelele: Amahora akho aphinda isilinganiso sakho sokukhokha, kanye nanoma yisiphi isikhathi esengeziwe. Lena inkokhelo yakho ngaphambi kokuthi kukhishwe noma yini.
Ukuncishiswa kwangaphambi kwentela: Imali ekhishwe ngaphambi kokuba ezinye izintela zibalwe, njengomshuwalense wezempilo noma ukonga umhlalaphansi. Banciphisa inkokhelo ekhokhwa intela.
Izintela: Intela yemali engenayo ye-Federal, intela yemali engenayo yombuso noma ye-DC, ukuphepha komphakathi, kanye neMedicare.
Ukuncishiswa kwentela ngemuva kwentela: Imali ekhishwe ngemuva kwentela, njengemali ekhokhwayo yezinyunyana noma ukuhlobisa iholo eliyalelwe yinkantolo.
Inkokhelo yeNet: Okusele kuwe. Lena inkokhelo yakho yokuthatha ekhaya.
I-YTD (unyaka kuze kube manje): Amanani kusukela ngoJanuwari 1. Ifomu lakho le-W-2 lonyaka lisuselwa kulezi zingqingo.

Futhi hlola igama lakho, izinsuku zesikhathi sokukhokha, amahora akho, kanye nesilinganiso sakho sokukhokha. Uma kukhona okungahambi kahle, tshela umqashi wakho ngokubhala ngokushesha bese ugcine ikhophi.

Isibonelo

I-ikhaya eliyindawo yokuhlala ephelele ibungazwe ngu-Anna

U-Ana uhlala eHyattsville, eMaryland, futhi usebenza njengomsizi wezokwelapha eNyakatho-ntshonalanga DC. Uhola u- $ 20 ngehora futhi ukhokhelwa njalo emavikini amabili amahora angama-80. Umshuwalense wakhe wezempilo uphuma ngaphambi kwentela. Inani lentela yemali engenayo lisampula kuphela.

Inkokhelo ka-Anna amasonto amabili (isampula yokukhokha i-stub)
Umugqa ku-stub	Lesi sikhathi sokukhokha
Inkokhelo ephelele (amahora angama-80 × ku- $ 20)	$ 1,600.00
Umshuwalense wezempilo (ngaphambi kwentela)	- $ 60.00
Intela yezokuphepha kwezenhlalo (6.2%)	- $ 95.48
Intela ye-Medicare (1.45%)	- $ 22.33
Intela yemali engenayo kahulumeni	- $ 101.00
Intela yemali engenayo yesifundazwe saseMaryland kanye neyesifunda	- $ 98.00
Inkokhelo yeNet (inkokhelo ekhokhwayo)	$ 1,223.19

$ 1,600 inkokhelo enkulu - $ 60 umshuwalense wezempilo = $ 1,540 intela yezokuphepha kwezenhlalo kanye ne-Medicare

$ 1,540 × 6.2% = $ 95.48 yezokuphepha kwezenhlalo

$ 1,540 × 1.45% = $ 22.33 yeMedicare

Qaphela ukuthi ayikho intela ye-DC ephumayo, yize u-Ana esebenza eDC. I-DC ayikhokhisi intela yemiholo yabantu abahlala ngaphandle kwe-DC. U-Ana ukhokha intela yaseMaryland esikhundleni salokho, futhi eMaryland lokho kufaka phakathi intela yemali engenayo yesifunda.

Ukuphepha Kwezenhlalo kanye Nezokwelapha: Izintela Ezizokwakha Ikusasa Lakho

Intela yezokuphepha kwezenhlalo ingu-6.2% yomholo wakho. Intela ye-Medicare ingu-1.45%. Umqashi wakho ukhokha amanani afanayo futhi, ngaphezu komholo wakho. Lezi zihlanganisa zibizwa ngokuthi izintela ze-FICA. Iningi labasebenzi alikwazi ukuphuma kuzo.

Lezi zintela zikhokhela umhlalaphansi, ukukhubazeka, kanye nezinzuzo zokusinda, kanye nokuvikelwa kwezempilo kwe-Medicare, okuvame ukuqala eminyakeni engama-65. Uma usebenza futhi ukhokha lezi zintela, uthola izikweletu zokuphepha kwezenhlalo. Ngo-2026, uthola isikweletu esisodwa ku- $ 1,890 ngayinye oyitholayo, kuze kufike kumakhredithi amane ngonyaka. Abantu abaningi badinga amakhredithi angama-40 ukuze bathole izinzuzo zomhlalaphansi. (Intela yezokuphepha kwezenhlalo iyama uma inkokhelo yakho yonyaka ifinyelela ku- $ 184,500, umkhawulo we-2026. Intela ye-Medicare ayinamkhawulo.)

Qinisekisa ukuthi igama kumarekhodi akho okukhokha lihambisana nekhadi lakho lokuphepha kwezenhlalo, noma imali oyitholayo kungenzeka ingafakwa kuwe. Ungahlola irekhodi lakho lemali nge-akhawunti yami yamahhala yezokuphepha kwezenhlalo.

Gcwalisa ifomu W-4, isinyathelo ngesinyathelo

Ifomu W-4 litshela umqashi wakho ukuthi ingakanani intela yemali engenayo okufanele uyithathe emholweni wakho. Uyigcwalisa lapho uqala umsebenzi, futhi unganikeza umqashi wakho omusha nganoma yisiphi isikhathi. Wonke umuntu ugcwalisa izinyathelo 1 no-5. Yenza izinyathelo 2 kuya ku-4 kuphela uma zisebenza kuwe.

Isinyathelo 1, imininingwane yomuntu siqu: igama lakho, ikheli, inombolo yokuphepha komphakathi, kanye nesimo sokugcwalisa (ukugcwalisa okungashadile noma okushadile ngokwehlukana, ukugcwalisa ngokuhlanganyela, noma inhloko yendlu). Iningi labantu abangashadile bakhetha ukungashadile. Umbhangqwana oshadile uvame ukufaka imbuyiselo eyodwa ndawonye (ukugcwalisa ngokuhlanganyela). Umuntu ongashadile okhokha iningi lezindleko zekhaya lengane noma esinye isihlobo abasisekelayo angakwazi ukufaka njengenhloko yomndeni, okunciphisa intela.
Isinyathelo 2, imisebenzi engaphezu kweyodwa: sebenzisa lesi sinyathelo uma unemisebenzi emibili noma ngaphezulu ngasikhathi sinye, noma uma ushadile ngokuhlanganyela futhi umlingani wakho naye uyasebenza. Indlela enembile kakhulu yi-IRS yamahhala ye-Tax Withholding Estimator. Uma kunemisebenzi emibili kuphela iyonke futhi inkokhelo iyafana, ungabheka ibhokisi ku-Step 2 (c) ku-W-4 kuyo yomibili imisebenzi.
Isinyathelo 3, izingane nabanye abancike kukho: kwifomu lango-2026, uma imali engenayo izoba ngu- $ 200,000 noma ngaphansi ($ 400,000 noma ngaphansi uma ushadile ufaka ngokuhlanganyela), phindaphinda inani lezingane ezingaphansi kweminyaka engu-17 nge- $ 2,200 nabanye abancike ku- $ 500. Lokhu kunciphisa ukubanjwa kwakho, ngoba lezi zikweletu zehlisa intela yakho.
Isinyathelo 4, okunye ukulungiswa: faka enye imali engenayo intela ekhishiwe (4a), ukudonswa ngaphandle kokudonswa okujwayelekile (4b), noma intela eyengeziwe ofuna ukuyikhipha kumholo ngamunye (4c).
Isinyathelo 5, sayina nosuku: ifomu alivumelekile ngaphandle kwesiginesha yakho.

Uma unomsebenzi ongaphezu kweyodwa, gcwalisa izinyathelo 3, 4 (a), no-4 (b) ku-W-4 ngomsebenzi owodwa kuphela, imvamisa lowo okhokha kakhulu. Zishiye zingenalutho kwabanye.

Ishidi lokusebenza le-2026 Isinyathelo 4 (b) lifaka ukuncishiswa okusha kukahulumeni kwamathiphu afanelekayo kanye nokukhokhelwa kwesikhathi esengeziwe. Uma ulindele ukuwacela, ukuwafaka kungakhuphula inkokhelo yakho yokuthatha ekhaya. Funda ukuthi ngubani ofanelekayo kufayela mahhala bese ucela izikweletu ozitholile.

Isimo sakho noma i-DC inefomu lalo lokubamba: Ifomu D-4 ku-DC, ifomu MW507 eMaryland, neFomu VA-4 eVirginia.

Isibonelo

Imisebenzi emibili kanye nomthethosivivinywa wentela ongalindelekile

ULucia akashadile futhi uhlala e-Alexandria, eVirginia. Unemisebenzi emibili yesikhashana. Ngamunye ukhokha u- $ 20,000 ngonyaka. Wagcwalisa i-W-4 elula emsebenzini ngamunye futhi weqa isinyathelo 2.

Umqashi ngamunye ucabanga ukuthi umsebenzi wakhe ukuphela komsebenzi wakhe. Ngakho-ke ngamunye ukhipha ukuncishiswa okuphelele okujwayelekile kuka-2026 ($ 16,100) ngaphambi kokubala intela yakhe. Ukuncishiswa okujwayelekile inani lemali engenayo engakhokhiswa intela. Imali engenayo engenhla ikhokhiswa intela ngezinyathelo ezibizwa ngokuthi amabakaki entela: u- $ 12,400 wokuqala ngo-10%, ingxenye elandelayo ku-12%, njalonjalo. Amadola kuphela ngaphakathi kwesinyathelo akhokha isilinganiso saleso sinyathelo. Lezi zinombolo ezenziwe lula zibonisa intela yemali engenayo kuphela. Amatafula okubamba angempela ahlukile kancane, kepha umqondo uyafana.

Intela yemali engenayo kaLucía ka-2026 (eyenziwe lula)
Umugqa	Inani
UJobe 1 ugodla: ($ 20,000 - $ 16,100) × 10%	$ 390
2 UJobe ugcina okufanayo	$ 390
Inani eliphelele lokuhweba phakathi nonyaka	$ 780
Intela ayikweleta ngempela ku- $ 23,900 yemali engenayo ekhokhwayo ($ 40,000 - $ 16,100): 10% ye- $ 12,400 yokuqala, kanye ne-12% yezinye	$ 2,620
Inani angase alikweleta uma efaka	$ 1,840

Ukulungiswa: ULucía usebenzisa i-IRS Tax Withholding Estimator, noma uhlola ibhokisi leSinyathelo 2 (c) ku-W-4 yomibili imisebenzi. Ngebhokisi elihloliwe, umqashi ngamunye usebenzisa uhhafu wokuncishiswa okujwayelekile nengxenye yebakaki ngalinye lentela. Okuningi okuncane kuphuma kukhokhelwa ngakunye, futhi akukho mthethosivivinywa omkhulu ngesikhathi sentela.

NgeSinyathelo 2 (c) sihloliwe: cishe u- $ 1,310 ogodliwe ngomsebenzi ngamunye × imisebenzi emi-2 = cishe i- $ 2,620 yonyaka

Hlala endaweni eyodwa, usebenze kwenye indawo

Abantu abaningi endaweni ye-DC bahlala kwesinye isifundazwe noma e-DC futhi basebenza kwesinye. Phakathi kwe-DC, iMaryland, neVirginia, amaholo akho avame ukukhokhiswa intela kuphela lapho uhlala khona. I-DC ayikhokhisi intela yemiholo yabantu abahlala ngaphandle kwe-DC. I-Maryland neVirginia ngokuvamile azikhokhisi intela yemiholo yabantu abahlala e-DC noma esifundazweni somunye nomunye.

Hlala eMaryland noma eVirginia, sebenza e-DC: Intela yemali engenayo ye-DC akufanele iphume emholweni wakho. Nikeza umqashi wakho ifomu le-DC D-4A (Isitifiketi Sokungahlali). Intela yezwe lakho lasekhaya kufanele iphume esikhundleni salokho.
Hlala e-DC, sebenza eMaryland noma eVirginia: nikeza umqashi wakho ifomu MW507 (Maryland) noma ifomu VA-4 (Virginia) ukufaka isicelo sokuxolelwa. Ukhokha intela yemali engenayo ye-DC.
Hlala eMaryland futhi usebenze eVirginia, noma okuphambene nalokho: imvamisa izwe lakho lasekhaya kuphela elikhokha intela yomholo wakho, uma ungagcini ikhaya esifundazweni lapho usebenza khona futhi ungachithi izinsuku ezingaphezu kwezingu-183 ngonyaka lapho. Nikeza umqashi wakho ifomu lesifundazwe lapho usebenza khona (i-VA-4 noma i-MW507).
Hlala eMaryland: ukubanjwa kwakho eMaryland kufaka phakathi intela yemali engenayo yesifunda.

Le mithetho imayelana namaholo. Hlola i-stub yakho yokuqala yokukhokha emsebenzini omusha. Uma intela yezwe lakho ingaphumi, buza ihhovisi lakho lokukhokha. Uma umqashi wakho engayigodli, kungadingeka ukuthi ukhokhe leyo ntela ngokwakho phakathi nonyaka, ngakho-ke awukweleti imali enkulu, kanye nenhlawulo, lapho ufaka.

Qaphela

Ikhokhelwa ku-1099 kodwa iphathwa njengesisebenzi?

Isisebenzi sithola ifomu W-2. Umqashi ubamba intela futhi ukhokhe uhhafu wentela yeSocial Security neMedicare. Usonkontileka ozimele uthola ifomu 1099-NEC. Akukho lutho olugodliwe, futhi isisebenzi sikhokha zombili izingxenye njengentela yokuziqasha.

Amanye amabhizinisi abiza abasebenzi ngosonkontileka ukugwema ukukhokha intela nezinzuzo. Lokhu kubizwa ngokuthi ukuhlukaniswa okungalungile. Ungaba yisisebenzi uma:

Inkampani ibeka amahora akho futhi ikutshela ukuthi ungayenza kanjani umsebenzi.
Inkampani ikunikeza amathuluzi, izinsiza noma iyunifomu.
Ukhokhelwa ngehora futhi awukwazi ukubeka amanani akho.
Usebenza kuphela kule nkampani, ngaphandle kosuku lokugcina.
Uthola izinzuzo ezifana neholide elikhokhelwayo.

Uma lokhu kuzwakala njengomsebenzi wakho, ungacela i-IRS ukuthi inqume ngefomu SS-8. Impendulo ingathatha izinyanga eziyisithupha noma ngaphezulu. Uma uhlukaniswe kabi, ifomu 8919 lingakuvumela ukuthi ukhokhe kuphela isabelo sabasebenzi sentela yeSocial Security neMedicare. Ukuze uthole usizo lwamahhala, xhumana nomtholampilo wabakhokhi bentela abaphansi noma usizo lwezomthetho, njenge-Legal Aid DC, Maryland Legal Aid, noma Legal Services of Northern Virginia.

Ithiphu

Hlola ukugcinwa kwakho njalo ngonyaka

Sebenzisa i-IRS Tax Withholding Estimator ekuqaleni konyaka ngamunye nangemva kwanoma yiluphi ushintsho olukhulu, njengomsebenzi omusha, umsebenzi wesibili, umshado, isehlukaniso, ingane entsha, noma ukukhushulwa okukhulu. Kumahhala, akudingi ukungena ngemvume, futhi kuthatha cishe imizuzu engama-25. Yiba ne-stub yakho yakamuva yokukhokha kanye nembuyiselo yentela yonyaka odlule ilungile.

Umgomo ukubuyiselwa imali encane noma umthethosivivinywa omncane. Ukubuyiselwa kwemali okukhulu kakhulu kusho ukuthi umholo wakho ubanjwe unyaka wonke, ngaphandle kwenzalo ekhokhelwe wena. Umthethosivivinywa omkhulu usho ukuthi kuncane kakhulu okukhishiwe.

Faka isicelo sokuxolelwa kuphela ekubambeni uma ungenayo intela yemali engenayo ngonyaka odlule futhi ulindele ukuthi ungakweleti lutho kulo nyaka. I-W-4 ekhululiwe ihlala unyaka owodwa. Ngo-2026, kufanele unikeze umqashi wakho omusha ngoFebhuwari 16, 2027.

Izinto ezibalulekile

Inkokhelo enkulu yilokho okutholayo. Inkokhelo yeNet yilokho okuthatha ekhaya ngemuva kwentela nokunye ukudonswa.
Ukuphepha Komphakathi (6.2%) kanye ne-Medicare (1.45%) kuphuma cishe kuyo yonke inkokhelo futhi kubalwa izinzuzo zakho zesikhathi esizayo.
Nikeza umqashi wakho i-W-4 entsha lapho impilo yakho ishintsha, njengomsebenzi wesibili, umshado, noma ingane entsha.
Phakathi kwe-DC, iMaryland, neVirginia, umholo wakho uvame ukukhokhiswa intela kuphela lapho uhlala khona, hhayi lapho usebenza khona.
Uma inkampani ilawula ukuthi usebenza kanjani, nini, futhi kuphi, ungaba yisisebenzi, noma ngabe ikunikeza i-1099.

Qhubekela phambili

Amawebhusayithi athembekile lapho ungafunda khona kabanzi. Lezi zixhumanisi ziya kwamanye amawebhusayithi angasebenzi yi-Dollar Scholars.

I-Tax Withholding Estimator (Enye iwebhusayithi)
Internal Revenue Service (IRS) · Ulimi: English

Ithuluzi lamahhala, ngaphandle kokungena ngemvume, elikusiza ukuthi ugcwalise ifomu W-4 ukuze inani elifanele lentela liphume emholweni wakho.
Estimador para retención de impuestos (Enye iwebhusayithi)
Internal Revenue Service (IRS) · Ulimi: Español

Ikhasi le-IRS Tax Withholding Estimator ngeSpanishi.
Usonkontileka ozimele (oziqashile) noma isisebenzi? (Enye iwebhusayithi)
Internal Revenue Service (IRS) · Ulimi: English

I-IRS inquma kanjani ukuthi isisebenzi singumsebenzi noma usonkontileka, nokuthi yini okufanele uyenze uma ucabanga ukuthi uhlukaniswe kabi.
Ukuphindiselana (Enye iwebhusayithi)
Virginia Department of Taxation · Ulimi: English

Yisiphi isifundazwe esikhokhisa intela yomholo wakho uma uhlala eVirginia futhi usebenza e-DC noma eMaryland, noma okuphambene nalokho.

Lesi sifundo yimfundo ejwayelekile yezezimali, hhayi iseluleko sezomthetho, sentela noma sezezimali. Imithetho nemali iyashintsha, ngakho-ke hlola izinombolo ezibalulekile ngomthombo osemthethweni.