G*****m
发帖数: 5395 | 1 如果不放，最后不也能全退回来? (5000 cap)? |
f*****s
发帖数: 15 | 2 稍微有点不同的，不放最后退回来的税比你放进去省下来的税要少，不过撑死两三百块
吧。放FSA里还要填claim的表，存收据什么的，怪麻烦的，我以前放FSA，现在也懒得
放了。
【在 G*****m 的大作中提到】
: 如果不放，最后不也能全退回来? (5000 cap)?
|
l******n
发帖数: 641 | 3 没听说多还可以退的。我一直以为放了不花就没了。
【在 G*****m 的大作中提到】
: 如果不放，最后不也能全退回来? (5000 cap)?
|
f*****s
发帖数: 15 | 4 她说的是如果不放FSA，最后退税的时候还是有5000deduction的。如果你放进了FSA，
不用掉就会作废的。
【在 l******n 的大作中提到】
: 没听说多还可以退的。我一直以为放了不花就没了。
|
l******n
发帖数: 641 | 5 阿，如果是一定要用4000+的，就放，
保税的话complication很多。
，
【在 f*****s 的大作中提到】
: 她说的是如果不放FSA，最后退税的时候还是有5000deduction的。如果你放进了FSA，
: 不用掉就会作废的。
|
m******3
发帖数: 983 | 6 If one child, if you spend $5000 for child care
No FSA You can only take $3000 X 0.2=$600 tax credit on tax return.
With FAS $5000 X 28%(if you are at 28% tax braket and you spend 5000 for one
child care) = 1400 benefit +plus $5000 *7.65% = 382.5 (without paying
employment tax on $5000)
Total tax saving $1782.5.
If you have two children, you spend over $6000 for child care.
No FSA. 6000*20% = 1200 tax credit on tax return.
FSA $5000, save 1782.5 (sane calculation with one child
Claim additional |
s**********g
发帖数: 552 | 7
one
RE
【在 m******3 的大作中提到】
: If one child, if you spend $5000 for child care
: No FSA You can only take $3000 X 0.2=$600 tax credit on tax return.
: With FAS $5000 X 28%(if you are at 28% tax braket and you spend 5000 for one
: child care) = 1400 benefit +plus $5000 *7.65% = 382.5 (without paying
: employment tax on $5000)
: Total tax saving $1782.5.
: If you have two children, you spend over $6000 for child care.
: No FSA. 6000*20% = 1200 tax credit on tax return.
: FSA $5000, save 1782.5 (sane calculation with one child
: Claim additional
|
b***j
发帖数: 554 | 8 不放FSA，这个credit有没有收入限制？我用的tax软件怎么从来没提过？
one
【在 m******3 的大作中提到】
: If one child, if you spend $5000 for child care
: No FSA You can only take $3000 X 0.2=$600 tax credit on tax return.
: With FAS $5000 X 28%(if you are at 28% tax braket and you spend 5000 for one
: child care) = 1400 benefit +plus $5000 *7.65% = 382.5 (without paying
: employment tax on $5000)
: Total tax saving $1782.5.
: If you have two children, you spend over $6000 for child care.
: No FSA. 6000*20% = 1200 tax credit on tax return.
: FSA $5000, save 1782.5 (sane calculation with one child
: Claim additional
|
m******3
发帖数: 983 | 9 Yes. It will have income limit.
That's why people will high income usually put maximum on the FSA.
【在 b***j 的大作中提到】
: 不放FSA，这个credit有没有收入限制？我用的tax软件怎么从来没提过？
:
: one
|
s**********d
发帖数: 36899 | 10 FSA no social security and medicare taxes。 |
b***j
发帖数: 554 | 11 Thanks!
【在 m******3 的大作中提到】
: Yes. It will have income limit.
: That's why people will high income usually put maximum on the FSA.
|
