401K２百万，如何社保少交税，（更正了社保交税的算法）

来源: 于 2023-09-27 10:10:06 [博客] [旧帖] [给我悄悄话] 本文已被阅读：次

首先，要学会看tax bracket， sweet spot for married couple is 12%。 

Tax Rate

Single

Married filing jointly

Married filing separately

Head of household

10%

$0 to $11,000.

$0 to $22,000.

$0 to $11,000.

$0 to $15,700.

12%

$11,001 to $44,725.

$22,001 to $89,450.

$11,001 to $44,725.

$15,701 to $59,850.

22%

$44,726 to $95,375.

$89,451 to $190,750.

$44,726 to $95,375.

$59,851 to $95,350.

24%

$95,376 to $182,100.

$190,751 to $364,200.

$95,376 to $182,100.

$95,351 to $182,100.

taxable income小于89450， gross income < 89450 + 25900 (std. deduction) = 115350. 

所以，保证一年的gross income < 115350, 你就省税了。 

第二，目的不是社保不交税，而是少交税。

比如，72岁以后，社保六万，401K 取出来 六万五，最后的taxable 社保是49350， 总AGI是$ 113350，减去standard deduction 25900，是87450，是12%的税率。

https://www.covisum.com/resources/taxable-social-security-calculator

对比从62岁到72岁，每年从401K里面取20万，那么最高税率基本上是22%，整整多了10%, 盲目追求社保不交税而多付10%的收入税，这个就不值了。