关于 SS 税 newbigman2022-08-17 17:17:42

楼下"北回归线的阳光" 的关于 SS 税的帖子其实是对的。

以下是我的计算。
I assume 28% highest tax bracket for your family.  Note:  This is your highest tax bracket, not the effective tax bracket. For most of the engineers, 28% is reasonable.

I also assume that your combined SS benefit is around $53K.

Here is how much the additional tax caused by SS benefit.
If you got 64K in other income, 85% of SS is taxed. (pay $12600 for SS benefit alone)/This is the maximum tax you can pay  on SSN benefit
If you got 60K in other income, 80% of SS is taxed. (pay $11795 for SS benefit alone)   ($2380 more than line below)
If you got 50K in other income, 63.4% of SS is taxed. (pay $9415 for SS benefit alone)
If you got 40K in other income, 47.4.4% of SS is taxed. (pay $7035 for SS benefit alone)
If you got 30K in other income, 31.4% of SS is taxed. (pay $4655 for SS benefit alone)
If you got 20K in other income, 15.3% of SS is taxed. (pay $2275 for SS benefit alone)
If you got 10K in other income, 4.2% of SS is taxed. (pay $630 for SS benefit alone)
If you got 00 in other income, 0% of SS is taxed. (pay $0 for SS benefit alone)

===

This means: For extra $60K income (other than SS benefit), you're going to not only pay 28% income tax on that, you will also have to pay additional $11795 on your SS benefit.  This means your effective tax rate for the additional $60K income is 28%+ 19.65%= 48%.   

Or in another word, for the additional $60K income, you can only keep $32K.

 

是不是能这么理解，因为怕多交税，就别去赚太多的钱？

一笔糊涂账。两口子W2挣12万总共交的税也不到三万（包括FICA）

Prove me wrong.

Where you are wrong

SSI+22000 是不用交税的。你算算9000/（60000-22000）= ？啊哈哈哈哈

不懂税收的人，会盲目地要求减税，最后导致国家赤字。

你算的是对的，关键是这里都是有钱人，other income

what are you talking about.

我不管有钱人，我只针对楼主的计算。

柠檬椰子汁is right. OP needs to consider Fed tax bracket.

他们把不该被收税的SSI+22000也计入，税率就低了。要算其余部分实际税率

是你认识不到本质，你的60000退休金超出22000部分四分之一交了税，还辩护，啊哈哈哈

What the heck is "其余部分实际税率"

社保金加22000不用上税，超出这个部分的钱收税四分之一到一半，懂了吗

I agree that I used a lot assumptions in my calculation

最后税单是9000元，除以60000也只有16%。

税多了可是钱也多了。你这个人只看汽水里面的气泡吗？

让你一年有一米的收入但要交税，vs只拿SS那点钱不交税，你难道会选择后者吗？

For brother Windll & 柠檬

得有higher income再说

再看一下我上面的算式，不信你真不明白

You need to be prepared for the "sunny day".

一针见血。过去老板要我加班，不想做，就用税率高为借口，

(SSI+22000 是不用交税的) 从何说起

有足够的钱就雇佣厉害的人才帮着规划避税，没有足够的钱就不用担心交税太多。

柠檬的算法，我能follow. 工作中佩服这样的同事

从事实说起

还是这里的人厉害，张口就是百万。俺全家五个劳力三年后总收入才勉强一百万

谢谢柠檬的解答，一直用TurboTax，已经对AGI，Deduction，etc 麻木了