今天被IRS的客服搞晕了

[maxthon]

去年因为w2 withhold的税不够，被IRS罚钱了。结果今天打电话过去问，以后能不能通过预付今年一部分的税防止被罚款。但是IRS告诉我不行，w2只能通过公司的payroll withhold，不能在IRS网站上预付税款。
但是IRS的网站上明明有1040-ES的付款选项，提前预付今年的税款，结果IRS associate告诉我w2不可以这么做，只有自雇的人可以这么做。
我被彻底搞晕了。

[ffvii]

去年因为w2 withhold的税不够，被IRS罚钱了。结果今天打电话过去问，以后能不能通过预付今年一部分的税防止被罚款。但是IRS告诉我不行，w2只能通过公司的payroll withhold，不能在IRS网站上预付税款。
但是IRS的网站上明明有1040-ES的付款选项，提前预付今年的税款，结果IRS associate告诉我w2不可以这么做，只有自雇的人可以这么做。
我被彻底搞晕了。

W2预扣必须通过pay roll，你可以让HR改allowance
但是没人禁止你去IRS网站预付税金。建个账户就能付钱。

[dragonemp]

不够就修改payroll withhold不就行了？

[maxthon]

我想在IRS上预付，可以挣cash back。我是怕按IRS说的，预付税还要交罚款，这就郁闷了。

[hzleuven]

请问预付税怎么挣cash back 呀？ 谢谢！

[Bluesky]

请问预付税怎么挣cash back 呀？ 谢谢！

估计是用有奖励的信用卡来付钱

[cublai]

自己预付没问题。你付他们就要收。payroll deduction 和你自己预付都到同一个IRS account 里面去。IRS 有收到钱就不会罚你。

1.85%费用，信用卡返点boa 2.625。
可以赚不少

我想在IRS上预付，可以挣cash back。我是怕按IRS说的，预付税还要交罚款，这就郁闷了。

[foxrun123]

请问预付税怎么挣cash back 呀？ 谢谢！

https://www.irs.gov/payments/direct-pay
进去之后，“Reason for Payment”，选 “Estimated Tax"

[pathdream]

自己预付没问题。你付他们就要收。payroll deduction 和你自己预付都到同一个IRS account 里面去。IRS 有收到钱就不会罚你。

1.85%费用，信用卡返点boa 2.625。
可以赚不少

1万能挣77 先交十万可以挣770

1万存银行450-500 这个数学

[cublai]

问题是你不管怎么样都要预交这个钱。
又不会让你在银行里存着。

另外，你可以在4月15号那一天多交很多。
立刻填税表要回来。这样可以赚不少

1万能挣77 先交十万可以挣770

1万存银行450-500 这个数学

[pathdream]

问题是你不管怎么样都要预交这个钱。
又不会让你在银行里存着。

另外，你可以在4月15号那一天多交很多。
立刻填税表要回来。这样可以赚不少

不懂 你可以不交啊 我去年少交了1万 penalty 205 这一万不是在银行里吗？ 只是去年利息低 不知道 到底合算不合算

[Narcotics07]

老老实实找HR改　ｗｉｔｈｈｏｌｄ

不要想着鲁ｉｒｓ　的羊毛

万一ｂａｃ把这笔钱算成ｃａｓｈ　ａｄｖａｎｃｅ怎么办？

[cublai]

IRS 利息是0.5% of the unpaid taxes for each month。有时好像还有别的罚款。你一般是不合算的。

不懂 你可以不交啊 我去年少交了1万 penalty 205 这一万不是在银行里吗？ 只是去年利息低 不知道 到底合算不合算

[cublai]

这个我每年都预交，从来都不是cash advance。

这个你可以放心大胆地撸。

老老实实找HR改　ｗｉｔｈｈｏｌｄ

不要想着鲁ｉｒｓ　的羊毛

万一ｂａｃ把这笔钱算成ｃａｓｈ　ａｄｖａｎｃｅ怎么办？

[pathdream]

IRS 利息是0.5% of the unpaid taxes for each month。有时好像还有别的罚款。你一般是不合算的。

Failure to Pay Amount Shown as Tax on Your Return
If you don’t pay the amount shown as tax you owe on your return, we calculate the Failure to Pay Penalty in this way:

The Failure to Pay Penalty is 0.5% of the unpaid taxes for each month or part of a month the tax remains unpaid. The penalty won’t exceed 25% of your unpaid taxes.
If both a Failure to Pay and a Failure to File Penalty are applied in the same month, the Failure to File Penalty will be reduced by the amount of the Failure to Pay Penalty applied in that month. For example, instead of a 5% Failure to File Penalty for the month, we would apply a 4.5% Failure to File Penalty and a 0.5% Failure to Pay Penalty.
If you filed your tax return on time as an individual and you have an approved payment plan, the Failure to Pay Penalty is reduced to 0.25% per month (or partial month) during your approved payment plan.
If you don’t pay your tax in 10 days after getting a notice from us with our intent to levy, the Failure to Pay Penalty is 1% per month or partial month.
We apply full monthly charges, even if you pay your tax in full before the month ends.

这个是报税以后的吧 在报税时你欠的钱 之前是你的 在你的银行里面

[cublai]

Ok 如果你是第一年赚很多钱，好像是可以不用付estimate tax, 把钱放在银行里。但是当年报完税，会有一个明年每个季度的交税estimate 。第二年每个季度如果交得不够，就有罚款。按你帖子，应该是0.25%每个月。
我理解对吗？

Failure to Pay Amount Shown as Tax on Your Return
If you don’t pay the amount shown as tax you owe on your return, we calculate the Failure to Pay Penalty in this way:

The Failure to Pay Penalty is 0.5% of the unpaid taxes for each month or part of a month the tax remains unpaid. The penalty won’t exceed 25% of your unpaid taxes.
If both a Failure to Pay and a Failure to File Penalty are applied in the same month, the Failure to File Penalty will be reduced by the amount of the Failure to Pay Penalty applied in that month. For example, instead of a 5% Failure to File Penalty for the month, we would apply a 4.5% Failure to File Penalty and a 0.5% Failure to Pay Penalty.
If you filed your tax return on time as an individual and you have an approved payment plan, the Failure to Pay Penalty is reduced to 0.25% per month (or partial month) during your approved payment plan.
If you don’t pay your tax in 10 days after getting a notice from us with our intent to levy, the Failure to Pay Penalty is 1% per month or partial month.
We apply full monthly charges, even if you pay your tax in full before the month ends.

这个是报税以后的吧 在报税时你欠的钱 之前是你的 在你的银行里面