で、明細を見ると、NJのタックスのラインがあったんです。ニューヨークで仕事してる時はNYのタックスを払ってたのに、何で今度はNJなん?と思って調べてみると、どうやら仕事してるところか、住んでるところか、安い方で申請できるみたい!
California Tax:
| Tax Bracket (Single)[1] | Tax Bracket (Couple)[1] | Marginal Tax Rate |
| $0+ | $0+ | 1.00% |
| $7,124+ | $14,248+ | 2.00% |
| $16,890+ | $33,780+ | 4.00% |
| $26,657+ | $53,314+ | 6.00% |
| $37,005+ | $74,010+ | 8.00% |
| $46,766+ | $93,532+ | 9.30% |
| $1,000,000+ | $2,000,000+ | 10.30% |
- California doubles all bracket widths for married couples filing jointly except the $1,000,000 bracket.
- Standard deduction: $3,657.00 for individuals and $7,274.00 for married couples filing jointly.
- California's personal income tax exemptions include a single exemption of $98.00 and a dependent exemption of $98.00.
例えば、合計収入が$100,000やったとして、カップルで一緒にファイルする場合、そこから$7,274と、シェルビーの分も入れてpersonal exemptionsが$98 x 3 = $296を引く。（実際にはデイケア代とかも引けるんですが、計算がややこしくなるので省略)
100,000 - 7,274 - 98 = $92,628
*訂正:それぞれのブラケット内のレートをアプライして足すんですって!!
14,248 x 0.01 = 142.48
(33,780 - 14,248) x 0.02 = 390.64
(53,314 - 33,780) x 0.04 = 781.36
(74,010 - 53,314) x 0.06 = 1,241.76
(92,628 - 74,010) x 0.08 = 1,489.44
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4,045.68
カリフォルニアの税金は
New Jersey Tax:
| Tax Bracket (Single)[1] | Tax Bracket (Couple)[1] | Marginal Tax Rate |
| $0+ | $0+ | 1.40% |
| $20,000+ | $20,000+ | 1.75% |
| $35,000+ | $50,000+ | 3.50% |
| $0+ | $0+ | 5.53% |
| $75,000+ | $80,000+ | 6.37% |
| $500,000+ | $500,000+ | 8.97% |
- NJ adds a 2.45% rate and doubles some bracket widths for married joint filers.
- Standard deduction: $0.00 for individuals and $0.00 for married couples filing jointly.
- New Jersey's personal income tax exemptions include a single exemption of $1,000.00 and a dependent exemption of $1,500.00.
カリフォルニアの例と同じ金額で計算してみます。
お、スタンダードディダクションが$0?! でも、パーソナルが多いか。でも、シングルやと$1,000で、dependentやと$1,500…もんちゃんがdependentやと$1,500やけど、コントラクトやったしシングルよな。
100,000 - (1,000 + 1,500) = $97,500
20,000 x 0.014 = 280
(50,000 - 20,000) x 0.0175 = 525
(0 - 50,000) x 0.035 = -1,750
80,000 x 0.0553 = 4,424
(97,500 - 80,000) x 0.0637 = 1114.75
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4593.75
後、めんどくさいけど、NYのステートタックスも計算しました。
New York Tax:
| Tax Bracket (Single)[1] | Tax Bracket (Couple)[1] | Marginal Tax Rate |
| $0+ | $0+ | 4.00% |
| $8,000+ | $16,000+ | 4.50% |
| $11,000+ | $23,000+ | 5.25% |
| $13,000+ | $26,000+ | 5.90% |
| $20,000+ | $40,000+ | 6.85% |
| $200,000+ | $300,000+ | 7.85% |
| $500,000+ | $500,000+ | 8.97% |
- For maried couples filing jointly, NY doubles all except the top two brackets; the $200K bracket is increased to $300K.
- Standard Deduction: $7,500.00 for individuals and $15,000.00 for married couples filing jointly.
- New York's personal income tax exemptions include a single exemption of $0.00 and a dependent exemption of $1,000.00.
ニューヨークはディダクションが高い!
100,000 - 15,000 - 1,000 = $84,000
16,000 x 0.04 = 640
(23,000 - 16,000) x 0.045 = 315
(26,000 - 23,000) x 0.0525 = 157.50
(40,000 - 26,000) x 0.0590 = 826
(84,000 - 40,000) x 0.0685 = 3,082.50
-----------
5,021.00
StateだけならNYが一番高い$5,021。
ちなみに、ステートごとの平均income taxを見てみると…、アラスカ、フロリダ、ネバダ、サウスダコタ、テキサス、ワシントン、ワイオミン州は$0やって!! この中のどっかに住めばいいんじゃない?! どこを選ぶか迷うけどw
ついでにフェデラルもみてみました。
Federal Tax:
| Single | Married (Jointly) | Married (Separately) | Head of Household | Marginal Tax Rate |
| $0+ | $0+ | $0+ | $0+ | 10.00% |
|---|---|---|---|---|
| $8,376+ | $16,751+ | $8,376+ | $11,951+ | 15.00% |
| $34,001+ | $68,001+ | $34,001+ | $45,551+ | 25.00% |
| $82,401+ | $137,301+ | $68,651+ | $117,651+ | 28.00% |
| $171,851+ | $209,251+ | $104,626+ | $190,551+ | 33.00% |
| $373,651+ | $373,651+ | $186,826+ | $373,651+ | 35.00% |
- If you are either single or married but filing separately your standard deduction will be approximately $5,350.00.
- If you are married and you file your returns jointly or you have a dependent then your standard deduction will increase to $11,600.00.
- Additional personal exemptions of $3,700 may be claimed for a spouse (if filing jointly) and for each qualifying child or relative listed as your dependent.
100,000 - 11,600 - 3,700 = $84,700
16,750 x 0.1 = 1,675
(68,000 - 16750) x 0.15 = 7,687.50
(84,700 - 68,000) x 0.25 = 4,175
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13,537.50
でも、フェデラルはブラケットが微妙で、2人でフルタイム+ディダクトするのが少なかったりすると、ブラケットが変わって、28%、33％払うことになるんですね。
と言う事は、フェデラルとステートと合わせたら40%くらい税金とられるんですね! 高っ!! 家買ったり、401kに入れたり、シェルビーの大学セービングに入れたり…多少は下げれるけど、やっぱし高い! 数字で見て現実をみた感じでした(苦笑
*表は全部tax-rates.orgからいただきました。
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