怎么看你也要社保交税

https://www.ssa.gov/benefits/retirement/planner/taxes.html

Your adjusted gross income + Nontaxable interest + ½ of your Social Security benefits
= Your "combined income"

• file a joint return, and you and your spouse have a combined income* that is
  • between $32,000 and $44,000, you may have to pay income tax on up to 50 percent of your benefits.
  • more than $44,000, up to 85 percent of your benefits may be taxable.

”1) 退休后晚拿社安金。 拿社安金之前, 多从401K上转钱到Roth上, 让将来的RMD少于三万。“

30K + interest (assume 0) + 1/2 x SS < 32000   Your SS is only 4000 per year? 
30K + interest (assume 0) + 1/2 x SS < 44000   Your SS is only 28000 a year? 

 

所有跟帖： 

• 还要减掉花的钱吧 -恒妈- ♀ (0 bytes) () 09/26/2023 postreply 20:32:37

• 吃喝的钱能减税？我乖乖 -柠檬椰子汁- ♂ (0 bytes) () 09/26/2023 postreply 20:43:23

• 是指减免 -恒妈- ♀ (0 bytes) () 09/26/2023 postreply 20:46:41

• 减免什么？ -柠檬椰子汁- ♂ (0 bytes) () 09/26/2023 postreply 20:47:47

• Deductible, standard or itemized -恒妈- ♀ (0 bytes) () 09/26/2023 postreply 20:49:13

• 社保局的公式没有说combined income是deduction以后的啊。 -柠檬椰子汁- ♂ (276 bytes) () 09/26/2023 postreply 21:03:23

• 有道理，但RMD 应该减掉standard deduction,只是我的理解 -恒妈- ♀ (0 bytes) () 09/26/2023 postreply 21:06:39

• above line/below the line -柠檬椰子汁- ♂ (336 bytes) () 09/26/2023 postreply 21:09:38

• 你是对的，我搞乱套了 -恒妈- ♀ (36 bytes) () 09/26/2023 postreply 21:19:12

• 因为有的人，手里两米还不躺平！ -柠檬椰子汁- ♂ (0 bytes) () 09/26/2023 postreply 21:22:25

• 不都说得五个米吗，又听说这也不够了 -恒妈- ♀ (24 bytes) () 09/26/2023 postreply 21:34:58

• 有五个米还焦虑，这日子还有什么过头。 -柠檬椰子汁- ♂ (0 bytes) () 09/26/2023 postreply 21:39:30

• 没有 standard deduction (27000 )? -newbigman- ♂ (0 bytes) () 09/26/2023 postreply 21:00:46

• google "above line deduction. " -柠檬椰子汁- ♂ (548 bytes) () 09/26/2023 postreply 21:08:51

• 谢谢了 -newbigman- ♂ (0 bytes) () 09/26/2023 postreply 21:01:56