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By p5yxxxx Posted: 2024-11-26 09:22:20

ÀºÅð¿¬±Ý ºÒÀÔÀÚ¿¡ ÁÖ´Â Å©·¹µ÷

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±¹¼¼Ã»(IRS)Àº ÀºÅ𿬱ݠ°èÁ¿¡ ²ÙÁØÈ÷ ºÒÀÔÇϴ ³³¼¼ÀÚµéÀÌ µ·À» Àý¾àÇÒ ¼ö Àִ ‘¼¼À̹ö½º Å©·¹µ÷(Saver’s Credit)’À» ½ÅûÇØ ÇýÅÃÀ» ¹ÞÀ» °ÍÀ» ºÎŹÇß´Ù.

 

IRS´Â À¯ÀÚ°Ý ³³¼¼ÀÚµéÀÌ ¿Ã ÇÑÇص¿¾È 401(k), °³ÀÎÀºÅ𿬱ݰèÁÂ(IRA) µî¿¡ ºÒÀÔÇϴ ±Ý¾× Áß ½Ì±ÛÀº Ã¹ 2000´Þ·¯, ºÎºÎ(°øµ¿ ¼¼±Ýº¸°í)´Â Ã¹ 4000´Þ·¯ Áß ÀϺθ¦ È¯ºÒ¹Þ°Å³ª Çش砱ݾ×À» ³»¾ß ÇÒ ¼¼±ÝÀ» ÁÙÀ̴µ¥ »ç¿ëÇÒ ¼ö ÀÖ´Ù°í ¹àÇû´Ù. ¼¼À̹ö½º Å©·¹µ÷ ÃÖ´ë±Ý¾×Àº ½Ì±ÛÀº 1000´Þ·¯, ºÎºÎ´Â 2000´Þ·¯ÀÌ´Ù.

 

ÀÚ°ÝÀº 18¼¼ ÀÌ»óÀ¸·Î ºÎ¾ç°¡Á·À¸·Î µî·ÏµÇ¾îÀÖÁö ¾Ê°í, Ç®Å¸ÀÓ ÇлýÀÌ ¾Æ´Ï¾î¾ß ÇÑ´Ù. ½Ì±ÛÀΠ°æ¿ì ¿¬ Á¶Á¤ÃѼҵæ(AGI) 3¸¸8250´Þ·¯ ÀÌÇÏ, ºÎºÎ °øµ¿¼¼±Ýº¸°íÀΠ°æ¿ì AGI ¿¬ 7¸¸6500´Þ·¯ ÀÌÇÏ¿©¾ß µÈ´Ù. IRA¿¡ ºÒÀÔÇϴ °³ÀÎÀº 2024³âµµ ¼Òµæ¿¡ ´ëÇÑ ¼¼±Ýº¸°í¼­·ù Á¢¼ö ¸¶°¨ÀÏÀΠ2025³â 4¿ù15ÀÏ ÀÌÀü±îÁö 2024³âµµ IRA¿¡ ºÒÀÔÇؾߠÇÑ´Ù. 401(k) º¸À¯Àڴ ¿À´Â 12¿ù 31ÀϱîÁö ºÒÀÔÇؾߠÇÑ´Ù. ¼¼À̹ö½º Å©·¹µ÷Àº ÀÏÁ¾ÀÇ ¼¼±Ý Å©·¹µ÷À¸·Î ¼¼±Ý°øÁ¦(tax deduction)¿Í´Â °³³äÀÌ ´Ù¸£´Ù. ¼¼±Ý°øÁ¦´Â °ú¼¼¼ÒµæÀ» ÁÙÀ̴ °ÍÀÌÁö¸¸ ¼¼±Ý Å©·¹µ÷Àº IRS¿¡ ³»¾ß ÇÒ ¼¼±ÝÀ» ÁÙÀ̰ųª ÀÏÁ¤¾×À» È¯ºÒ¹Þ´Â °ÍÀÌ´Ù. 

 

ÇÑ ¼¼¹ý Àü¹®°¡´Â “³³¼¼ÀÚ°¡ ÀºÅ𿬱ݿ¡ ºÒÀÔÇϸ頰ú¼¼¼Òµæµµ ÁÙÀÌ°í ¼¼À̹ö½º Å©·¹µ÷µµ ¹Þ´Â ÀÌÁßÇýÅÃÀ» ´©¸®°Ô µÈ´Ù”¸ç “¸¹Àº Áß»êÃþ, Àú¼ÒµæÃþ ³³¼¼ÀÚµéÀÌ ÀÚ°ÝÀÌ µÇ´Âµ¥µµ ºÒ±¸ÇÏ°í ¼¼À̹ö½º Å©·¹µ÷À» ½ÅûÇϴ ³³¼¼Àڴ 10¸í Áß 1¸íµµ µÇÁö ¾Ê´Â´Ù”°í ¸»Çß´Ù. 

 

¼¼À̹ö½º Å©·¹µ÷Àº IRS ¼¼±Ýº¸°í¾ç½Ä 1040¸¦ ÅëÇؠŬ·¹ÀÓÇؾߠÇϴµ¥ ¸¹Àº ³³¼¼ÀÚµéÀº CPA¿¡°Ô ¸Ã±âÁö ¾Ê°í º»ÀÎÀÌ Á÷Á¢ ¼¼±Ýº¸°í¸¦ Çϱ⠶§¹®¿¡ ¼¼À̹ö½º Å©·¹µ÷¿¡ ´ëÇØ ¸ð¸¥´Ù´Â °ÍÀÌ´Ù.

 

 

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