[미국 직장인] 2022년 세금 줄이는 방법

미국에서 경제생활을 하는 분들이라면,

모두 4월까지 택스보고를 하는데요

 오늘은 택스 보고 시

일반 직장인들이 세금을 줄이기 위해서 챙겨야 할 것들을 한번 살펴볼게요.

Tax deadline:
2022 federal income tax returns for individuals are now due April 18, 2023.
The IRS announced in January that its tax deadline would be pushed back from the usual date, April 15, due to the 2023 calendar.

W2 Form

직장에 다니신 분들은 W2 Form 매년초에 받게 되는데요, 보통 Mail로 집으로 배송되거나,

아니면 평소에 회사시스템으로 Paycheck 이 Account로 관리가 되고 있다면,

회사 시스템에서 다운로드할 수 있게 되어있어요.

Form W-2 is an Internal Revenue Service tax form used in the United States to report wages paid to employees and the taxes withheld from them. Employers must complete a Form W-2 for each employee to whom they pay a salary, wage, or other compensation as part of the employment relationship.

2022 tax brackets 

회사를 다니며 선 연봉 협상이나,

크게 보너스를 받게 되면 

기존에 설정해 두었던 Witholidng 이 맞지 않을 수도 있어요.

따라서, 세금 보고를 하면서 추가로 낼 세금을 내는 경우가 있습니다.

예를 들어 정부에서 정한 일정 Tax Bracket을 넘기면,

다음 Tax Bracket의 세금 rate를 내게 되는 것이에요.

 

간단하게 아래 Tax Bracket을 보신다면,

총 4가지로 나눌 수 있어요.

2022 tax table for single filers (싱글)

Tax rate	Taxable income bracket	Tax owed
10%	$0 to $10,275.	10% of taxable income.
12%	$10,276 to $41,775.	$1,027.50 plus 12% of the amount over $10,275.
22%	$41,776 to $89,075.	$4,807.50 plus 22% of the amount over $41,775.
24%	$89,076 to $170,050.	$15,213.50 plus 24% of the amount over $89,075.
32%	$170,051 to $215,950.	$34,647.50 plus 32% of the amount over $170,050.
35%	$215,951 to $539,900.	$49,335.50 plus 35% of the amount over $215,950.
37%	$539,901 or more.	$162,718 plus 37% of the amount over $539,900.

2022 tax table for married, filing jointly (두 명 인컴, 부부 같이 세금보고)

Tax rate	Taxable income bracket	Taxes owed
10%	$0 to $20,550.	10% of taxable income.
12%	$20,551 to $83,550.	$2,055 plus 12% of the amount over $20,550.
22%	$83,551 to $178,150.	$9,615 plus 22% of the amount over $83,550.
24%	$178,151 to $340,100.	$30,427 plus 24% of the amount over $178,150.
32%	$340,101 to $431,900.	$69,295 plus 32% of the amount over $340,100.
35%	$431,901 to $647,850.	$98,671 plus 35% of the amount over $431,900.
37%	$647,851 or more.	$174,253.50 plus 37% of the amount over $647,850.

2022 tax table for married, filing separately (두 명 인컴, 따로 세금보고)

Tax rate	Taxable income bracket	Taxes owed
10%	$0 to $10,275.	10% of taxable income.
12%	$10,276 to $41,775.	$1,027.50 plus 12% of the amount over $10,275.
22%	$41,776 to $89,075.	$4,807.50 plus 22% of the amount over $41,775.
24%	$89,076 to $170,050.	$15,213.50 plus 24% of the amount over $89,075.
32%	$170,051 to $215,950.	$34,647.50 plus 32% of the amount over $170,050.
35%	$215,951 to $323,925.	$49,335.50 plus 35% of the amount over $215,950.
37%	$323,926 or more.	$87,126.75 plus 37% of the amount over $323,925.

2022 tax table for head of household (한 명 인컴, 가족 세금보고)

Tax rate	Taxable income bracket	Tax owed
10%	$0 to $14,650.	10% of taxable income.
12%	$14,651 to $55,900.	$1,465 plus 12% of the amount over $14,650.
22%	$55,901 to $89,050.	$6,415 plus 22% of the amount over $55,900.
24%	$89,051 to $170,050.	$13,708 plus 24% of the amount over $89,050.
32%	$170,051 to $215,950.	$33,148 plus 32% of the amount over $170,050.
35%	$215,951 to $539,900.	$47,836 plus 35% of the amount over $215,950.
37%	$539,901 or more.	$161,218.50 plus 37% of the amount over $539,900.

 

택스 줄이는 방법
(2022년 기준)
401K, HSA 활용법

지난 포스트에 설명했던 401k와 HSA에 대한 활용법

#2 Roth IRA, 401K, HSA 전략 - 은퇴 공식

 

아래 간단하게 두 가지의 예시를 들어,

401k 와 HSA를 사용하여 택스를 줄이는 방법을 설명드릴게요.

 

예시 A: 싱글 $100,000 인컴 

A는 $100,000로 인컴 브래킷이 24% 로 해당합니다. 만약 401K 맥스를 하시고, HSA 맥스를 했다면?

$100,000 - $20,500 (401k max) - $3,650 (HSA max) = $75,850 (AGI) 이기에 22% 인컴 브래킷으로 세금을 적게 낼 수 있습니다.

 

예시 B: 부부 각각 $100,000 인컴 *2, Joint 보고

B는 총 $200,000 인컴으로 세금 rate가 24%로 해당합니다.  만약 401K 맥스를 하시고, HSA 맥스를 했다면?

$200,000 - $41,000 (401k max) - $7,300 (HSA max) = $151,700 (AGI)이기에 22% 인컴 브래킷으로 세금을 적게 낼 수 있습니다.

Adjusted Gross Income (AGI)
In the United States income tax system, adjusted gross income is an individual's total gross income minus specific deductions. It is used to calculate taxable income, which is AGI minus allowances for personal exemptions and itemized deductions. For most individual tax purposes, AGI is more relevant than gross income.

이처럼 연금도 쌓고,

택스를 줄이는 방법을 설명드렸어요.

정말 간단하죠?

그럼 모두 세금 적게내고 많이 버세요!!