关于401k税的例子，高工资要多交税事肯定的。

Currently, someone single earning $40,000 a year would be in the 12% tax bracket. If they contribute $4,000 a year to their 401(k) — 10% of their income — their immediate tax savings would be $480.

Under analysts’ understanding of what Biden’s proposal could look like, a 26% credit would be assessed on the contribution, so the tax credit is $1,040.

That’s a net tax savings of $560 compared to the current law.

For someone single, earning $200,000 and in the 32% tax bracket, the situation would look different. If they contribute $20,000 — also 10% of their income — their immediate tax savings would be $6,400 under current law.

Under analysts’ understanding of what Biden’s proposal could look like, the $20,000 with a credit of 26% saves $5,200.

They would save $1,200 less than under current law.

所有跟帖： 

• Biden遗产税的免税额下降到3.5M，现在11.18M，Trump 之前是 5M. -rockman1988- ♂ (0 bytes) () 10/27/2020 postreply 09:35:28

• 什么意思？现在到底是3.5m，还是11.18m？或者是说你有11.18m？ -红辣椒66- ♀ (0 bytes) () 10/27/2020 postreply 09:39:59

• 自己Google“ inheritance tax federal 2020”，直接就出来数字了。 -Pilsung- ♀ (0 bytes) () 10/27/2020 postreply 09:43:58

• 懒得查，只是好奇现在的免税限额 -红辣椒66- ♀ (0 bytes) () 10/27/2020 postreply 09:50:01

• 澄清了一下，目前是11.8M。都是以个人计算的，family 另外一个数。 -rockman1988- ♂ (0 bytes) () 10/27/2020 postreply 09:44:34

• 谢谢。那川普之前是5m，现在下降到3.5m说的是啥？ -红辣椒66- ♀ (0 bytes) () 10/27/2020 postreply 09:47:53

• Biden只给3.5M的免税，多余3.5M（个人）就上税。 -rockman1988- ♂ (0 bytes) () 10/27/2020 postreply 09:49:41

• 你是说现在一个人可以给后人11.18m免税遗产？ -红辣椒66- ♀ (0 bytes) () 10/27/2020 postreply 09:57:04

• 是的。老川给翻了个倍。 -rockman1988- ♂ (0 bytes) () 10/27/2020 postreply 10:02:22

• %3 的房产税目前应该不是真的。 -rockman1988- ♂ (0 bytes) () 10/27/2020 postreply 09:41:34

• 对于高收入的人，capital gains tax 也会增加，具体自己查吧。 -rockman1988- ♂ (0 bytes) () 10/27/2020 postreply 09:54:55

• 这是民主党群里的骗人帖子 -谷之- ♂ (0 bytes) () 10/27/2020 postreply 10:04:48

• 这个我就不清楚了，你的意思是还要多交？ -rockman1988- ♂ (0 bytes) () 10/27/2020 postreply 10:07:53

• 甚至一些左媒都承认拜登的税法大部分老百姓要多交税，川普的可以省税 -谷之- ♂ (0 bytes) () 10/27/2020 postreply 10:11:41

• 反正我们是肯定要多交税的。 -rockman1988- ♂ (0 bytes) () 10/27/2020 postreply 10:19:17

• 你干脆给个多少钱的bracket要交多少税率更明白。 -pollyli- ♀ (0 bytes) () 10/27/2020 postreply 10:22:25

• 说实话我认真读了你的帖子，根本没明白。因为一会儿credit saving，一会又是要交多少税。标准不一样 -pollyli- ♀ (200 bytes) () 10/27/2020 postreply 10:15:42

• 民主党就是说tax credit, 我也不好自己整一个，你就看最后进你口袋的就好了，拿不到的都当税交了吧。 -rockman1988- ♂ (0 bytes) () 10/27/2020 postreply 10:22:56

• 这不是混淆概念吗？谁都可以随便说。没有证据呀。要是民主党真诚要给大家减税，就给大家一个表格，大家自己一比就知道了 -pollyli- ♀ (0 bytes) () 10/27/2020 postreply 10:25:34

• 本来就是政策，每一届上台一个搞法，这个我不关心。只想说按Biden他们的方案，有人得益有人失利。 -rockman1988- ♂ (0 bytes) () 10/27/2020 postreply 10:35:39

• 交过税的就明白了。LZ解释的不错，那个叫谷子的那篇文章是没有实质内容的时瞎掰。 -hardfox- ♂ (652 bytes) () 10/27/2020 postreply 10:35:37