{"id":3119,"date":"2026-10-15T08:20:02","date_gmt":"2026-10-15T08:20:02","guid":{"rendered":"https:\/\/toolstecique.com\/paycheck-calculator-texas\/"},"modified":"2026-10-15T11:00:35","modified_gmt":"2026-10-15T11:00:35","slug":"paycheck-calculator-texas","status":"publish","type":"finance_tool","link":"https:\/\/toolstecique.com\/vi\/paycheck-calculator-texas\/","title":{"rendered":"M\u00e1y t\u00ednh t\u00ednh l\u01b0\u01a1ng \u1edf Texas"},"content":{"rendered":"<p>\u0110\u1ed1i v\u1edbi h\u00e0ng tri\u1ec7u ng\u01b0\u1eddi lao \u0111\u1ed9ng t\u1ea1i Houston, Dallas-Fort Worth, Austin, San Antonio v\u00e0 kh\u1eafp ti\u1ec3u bang Texas, vi\u1ec7c t\u00ednh to\u00e1n thu nh\u1eadp r\u00f2ng sau thu\u1ebf \u0111\u00f2i h\u1ecfi s\u1ef1 hi\u1ec3u bi\u1ebft r\u00f5 r\u00e0ng v\u1ec1 b\u1ea3ng kh\u1ea5u tr\u1eeb thu\u1ebf li\u00ean bang, \u0111\u00f3ng g\u00f3p FICA v\u00e0o qu\u1ef9 l\u01b0\u01a1ng v\u00e0 c\u00e1c l\u1ef1a ch\u1ecdn ph\u00fac l\u1ee3i tr\u01b0\u1edbc thu\u1ebf. <strong>M\u00e1y t\u00ednh t\u00ednh l\u01b0\u01a1ng \u1edf Texas<\/strong> Ph\u1ea7n m\u1ec1m Tools Tecique \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 cung c\u1ea5p cho ng\u01b0\u1eddi lao \u0111\u1ed9ng, nh\u00e0 th\u1ea7u v\u00e0 c\u00e1c chuy\u00ean gia nh\u00e2n s\u1ef1 d\u1ef1 b\u00e1o ch\u00ednh x\u00e1c, theo th\u1eddi gian th\u1ef1c v\u1ec1 m\u1ee9c l\u01b0\u01a1ng r\u00f2ng m\u1ed7i k\u1ef3 tr\u1ea3 l\u01b0\u01a1ng v\u00e0 thu nh\u1eadp h\u00e0ng n\u0103m. V\u00ec Texas l\u00e0 m\u1ed9t trong ch\u00edn ti\u1ec3u bang duy nh\u1ea5t kh\u00f4ng c\u00f3 thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n, vi\u1ec7c hi\u1ec3u r\u00f5 c\u00e1ch quy \u0111\u1ed5i t\u1ed5ng l\u01b0\u01a1ng th\u00e0nh ti\u1ec1n m\u1eb7t th\u1ef1c nh\u1eadn s\u1ebd mang l\u1ea1i l\u1ee3i th\u1ebf t\u00e0i ch\u00ednh quy\u1ebft \u0111\u1ecbnh cho vi\u1ec7c l\u1eadp ng\u00e2n s\u00e1ch gia \u0111\u00ecnh, tr\u1ea3 n\u1ee3 v\u00e0 t\u00edch l\u0169y t\u00e0i s\u1ea3n.<\/p>\n<p>Cho d\u00f9 b\u1ea1n nh\u1eadn l\u01b0\u01a1ng c\u1ed1 \u0111\u1ecbnh h\u00e0ng n\u0103m t\u1eeb c\u00f4ng ty, l\u00e0m vi\u1ec7c theo ca v\u1edbi gi\u1edd gi\u1ea5c linh ho\u1ea1t k\u00e8m l\u00e0m th\u00eam gi\u1edd, hay l\u1ef1a ch\u1ecdn \u0111\u00f3ng g\u00f3p \u0111\u00e1ng k\u1ec3 v\u00e0o c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh h\u01b0u tr\u00ed 401(k) v\u00e0 b\u1ea3o hi\u1ec3m y t\u1ebf do c\u00f4ng ty t\u00e0i tr\u1ee3, c\u00f4ng c\u1ee5 t\u00ednh l\u01b0\u01a1ng c\u1ee7a ch\u00fang t\u00f4i t\u1ea1i Texas s\u1ebd gi\u00fap b\u1ea1n lo\u1ea1i b\u1ecf s\u1ef1 m\u01a1 h\u1ed3 trong b\u1ea3ng l\u01b0\u01a1ng. H\u01b0\u1edbng d\u1eabn b\u1ea3ng l\u01b0\u01a1ng \u0111\u00e1ng tin c\u1eady n\u00e0y s\u1ebd \u0111i s\u00e2u v\u00e0o c\u00e1c ph\u00e9p to\u00e1n ch\u00ednh x\u00e1c \u0111\u1eb1ng sau vi\u1ec7c kh\u1ea5u tr\u1eeb thu\u1ebf thu nh\u1eadp li\u00ean bang (FIT), gi\u1edbi h\u1ea1n An sinh x\u00e3 h\u1ed9i v\u00e0 Medicare, c\u00e1c kho\u1ea3n mi\u1ec5n tr\u1eeb theo M\u1ee5c 125 c\u1ee7a ch\u01b0\u01a1ng tr\u00ecnh ph\u00fac l\u1ee3i, vi\u1ec7c tu\u00e2n th\u1ee7 Lu\u1eadt Tr\u1ea3 l\u01b0\u01a1ng c\u1ee7a Texas v\u00e0 c\u00e1ch so s\u00e1nh thu nh\u1eadp th\u1ef1c t\u1ebf t\u1ea1i Texas v\u1edbi c\u00e1c ti\u1ec3u bang ven bi\u1ec3n c\u00f3 thu\u1ebf su\u1ea5t cao.<\/p>\n<div class=\"tt-stats-grid\">\n<div class=\"tt-stat-card\">\n<div class=\"tt-stat-number\">0.00%<\/div>\n<div class=\"tt-stat-label\">Thu\u1ebf thu nh\u1eadp ti\u1ec3u bang Texas<\/div>\n<div class=\"tt-stat-desc\">\u0110\u01b0\u1ee3c b\u1ea3o v\u1ec7 b\u1edfi \u0110i\u1ec1u VIII c\u1ee7a Hi\u1ebfn ph\u00e1p Texas, \u0111\u1ea3m b\u1ea3o kh\u00f4ng c\u00f3 kho\u1ea3n kh\u1ea5u tr\u1eeb thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n n\u00e0o c\u1ee7a ti\u1ec3u bang ho\u1eb7c th\u00e0nh ph\u1ed1.<\/div>\n<\/p><\/div>\n<div class=\"tt-stat-card\">\n<div class=\"tt-stat-number\">6.20%<\/div>\n<div class=\"tt-stat-label\">B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i (OASDI)<\/div>\n<div class=\"tt-stat-desc\">Kho\u1ea3n kh\u1ea5u tr\u1eeb l\u01b0\u01a1ng b\u1eaft bu\u1ed9c c\u1ee7a li\u00ean bang \u0111\u01b0\u1ee3c t\u00ednh tr\u00ean t\u1ed5ng thu nh\u1eadp, t\u1ed1i \u0111a b\u1eb1ng m\u1ee9c l\u01b0\u01a1ng c\u01a1 s\u1edf theo quy \u0111\u1ecbnh h\u00e0ng n\u0103m.<\/div>\n<\/p><\/div>\n<div class=\"tt-stat-card\">\n<div class=\"tt-stat-number\">1.45%<\/div>\n<div class=\"tt-stat-label\">Thu\u1ebf su\u1ea5t Medicare<\/div>\n<div class=\"tt-stat-desc\">M\u1ee9c \u0111\u00f3ng g\u00f3p b\u1ea3o hi\u1ec3m y t\u1ebf li\u00ean bang ti\u00eau chu\u1ea9n \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho 100% ti\u1ec1n l\u01b0\u01a1ng ki\u1ebfm \u0111\u01b0\u1ee3c, kh\u00f4ng c\u00f3 m\u1ee9c tr\u1ea7n.<\/div>\n<\/p><\/div>\n<div class=\"tt-stat-card\">\n<div class=\"tt-stat-number\">$176,100<\/div>\n<div class=\"tt-stat-label\">Gi\u1edbi h\u1ea1n l\u01b0\u01a1ng an sinh x\u00e3 h\u1ed9i<\/div>\n<div class=\"tt-stat-desc\">M\u1ee9c l\u01b0\u01a1ng t\u1ed1i \u0111a theo quy \u0111\u1ecbnh s\u1ebd ch\u1ecbu kho\u1ea3n kh\u1ea5u tr\u1eeb An sinh x\u00e3 h\u1ed9i 6,2%, sau \u0111\u00f3 kho\u1ea3n kh\u1ea5u tr\u1eeb OASDI s\u1ebd gi\u1ea3m xu\u1ed1ng c\u00f2n 0 \u0111\u00f4 la.<\/div>\n<\/p><\/div>\n<div class=\"tt-stat-card\">\n<div class=\"tt-stat-number\">$15,000<\/div>\n<div class=\"tt-stat-label\">Kh\u1ea5u tr\u1eeb ti\u00eau chu\u1ea9n li\u00ean bang<\/div>\n<div class=\"tt-stat-desc\">M\u1ee9c thu nh\u1eadp t\u1ed1i thi\u1ec3u h\u00e0ng n\u0103m kh\u00f4ng ch\u1ecbu thu\u1ebf \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi \u0111\u1ed9c th\u00e2n (30.000 \u0111\u00f4 la \u0111\u1ed1i v\u1edbi c\u00e1c c\u1eb7p v\u1ee3 ch\u1ed3ng) nh\u1eb1m b\u1ea3o v\u1ec7 thu nh\u1eadp ban \u0111\u1ea7u.<\/div>\n<\/p><\/div>\n<div class=\"tt-stat-card\">\n<div class=\"tt-stat-number\">$4,250+<\/div>\n<div class=\"tt-stat-label\">M\u1ee9c ti\u1ebft ki\u1ec7m trung b\u00ecnh h\u00e0ng n\u0103m t\u1ea1i Texas<\/div>\n<div class=\"tt-stat-desc\">S\u1ed1 ti\u1ec1n thu\u1ebf thu nh\u1eadp ti\u1ec3u bang \u01b0\u1edbc t\u00ednh b\u1ea1n gi\u1eef l\u1ea1i \u0111\u01b0\u1ee3c h\u00e0ng n\u0103m so v\u1edbi m\u1ee9c thu\u1ebf ti\u1ec3u bang trung b\u00ecnh to\u00e0n qu\u1ed1c l\u00e0 5,0%.<\/div>\n<\/p><\/div>\n<\/div>\n<h2>\u01afu th\u1ebf v\u1ec1 thu\u1ebf c\u1ee7a Texas: Kh\u00f4ng c\u00f3 thu\u1ebf thu nh\u1eadp ti\u1ec3u bang v\u00e0 \u0111\u1ecba ph\u01b0\u01a1ng.<\/h2>\n<p>\u0110\u1eb7c \u0111i\u1ec3m n\u1ed5i b\u1eadt nh\u1ea5t c\u1ee7a k\u1ebf to\u00e1n ti\u1ec1n l\u01b0\u01a1ng \u1edf Texas l\u00e0 ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n c\u1ee7a ti\u1ec3u bang. Theo \u0111\u00f3, <strong>\u0110i\u1ec1u VIII, M\u1ee5c 24-a c\u1ee7a Hi\u1ebfn ph\u00e1p Texas<\/strong>\u2014\u0110\u01b0\u1ee3c c\u1eed tri Texas th\u00f4ng qua v\u1edbi t\u1ef7 l\u1ec7 \u00e1p \u0111\u1ea3o d\u01b0\u1edbi d\u1ea1ng D\u1ef1 lu\u1eadt 4 v\u00e0o th\u00e1ng 11 n\u0103m 2019\u2014 Hi\u1ebfn ph\u00e1p quy \u0111\u1ecbnh c\u01a1 quan l\u1eadp ph\u00e1p ti\u1ec3u bang b\u1ecb c\u1ea5m \u0111\u00e1nh b\u1ea5t k\u1ef3 lo\u1ea1i thu\u1ebf n\u00e0o v\u00e0o thu nh\u1eadp r\u00f2ng c\u1ee7a c\u00e1 nh\u00e2n m\u00e0 kh\u00f4ng c\u00f3 cu\u1ed9c tr\u01b0ng c\u1ea7u d\u00e2n \u00fd to\u00e0n ti\u1ec3u bang y\u00eau c\u1ea7u \u0111a s\u1ed1 hai ph\u1ea7n ba c\u1ee7a c\u1ea3 hai vi\u1ec7n. H\u01a1n n\u1eefa, kh\u00f4ng c\u00f3 c\u01a1 quan thu\u1ebf n\u00e0o c\u1ee7a th\u00e0nh ph\u1ed1, qu\u1eadn ho\u1eb7c \u0111\u00f4 th\u1ecb \u1edf Texas (bao g\u1ed3m c\u1ea3 c\u00e1c \u0111\u00f4 th\u1ecb l\u1edbn nh\u01b0 Houston, Austin, Dallas v\u00e0 Fort Worth) \u0111\u00e1nh thu\u1ebf thu nh\u1eadp \u0111\u1ecba ph\u01b0\u01a1ng ho\u1eb7c thu\u1ebf l\u01b0\u01a1ng \u0111\u00f4 th\u1ecb.<\/p>\n<h3>B\u1ea3o v\u1ec7 theo Hi\u1ebfn ph\u00e1p: \u0110\u1ec1 \u00e1n 4 v\u00e0 \u0110i\u1ec1u VIII<\/h3>\n<p>Kh\u00f4ng gi\u1ed1ng nh\u01b0 c\u00e1c ti\u1ec3u bang kh\u00e1c n\u01a1i thu\u1ebf thu nh\u1eadp bi\u1ebfn \u0111\u1ed9ng theo th\u00e2m h\u1ee5t ng\u00e2n s\u00e1ch c\u1ee7a c\u01a1 quan l\u1eadp ph\u00e1p, Texas \u0111\u00e3 \u0111\u1eb7t quy ch\u1ebf thu\u1ebf thu nh\u1eadp b\u1eb1ng kh\u00f4ng c\u1ee7a m\u00ecnh sau m\u1ed9t b\u1ee9c t\u01b0\u1eddng hi\u1ebfn ph\u00e1p. \u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi lao \u0111\u1ed9ng, th\u1ef1c t\u1ebf c\u1ea5u tr\u00fac n\u00e0y c\u00f3 ngh\u0129a l\u00e0 ti\u1ec1n l\u01b0\u01a1ng c\u1ee7a b\u1ea1n ch\u1ec9 ch\u1ecbu c\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb theo lu\u1eadt li\u00ean bang: Thu\u1ebf thu nh\u1eadp li\u00ean bang (FIT) v\u00e0 thu\u1ebf theo \u0110\u1ea1o lu\u1eadt \u0111\u00f3ng g\u00f3p b\u1ea3o hi\u1ec3m li\u00ean bang (FICA). Kh\u00f4ng m\u1ed9t xu n\u00e0o trong s\u1ed1 ti\u1ec1n l\u01b0\u01a1ng kh\u00f3 nh\u1ecdc ki\u1ebfm \u0111\u01b0\u1ee3c c\u1ee7a b\u1ea1n b\u1ecb chuy\u1ec3n v\u00e0o ng\u00e2n s\u00e1ch thu\u1ebf thu nh\u1eadp c\u1ee7a ti\u1ec3u bang.<\/p>\n<p>\u0110\u1ed1i v\u1edbi m\u1ed9t c\u00e1 nh\u00e2n c\u00f3 thu nh\u1eadp 75.000 \u0111\u00f4 la m\u1ed7i n\u0103m, \u0111i\u1ec1u kho\u1ea3n hi\u1ebfn ph\u00e1p n\u00e0y gi\u00fap b\u1ea3o to\u00e0n kho\u1ea3ng 3.500 \u0111\u1ebfn 6.500 \u0111\u00f4 la s\u1ee9c mua kh\u1ea3 d\u1ee5ng h\u00e0ng n\u0103m so v\u1edbi nh\u1eefng ng\u01b0\u1eddi c\u00f3 c\u00f4ng vi\u1ec7c t\u01b0\u01a1ng t\u1ef1 \u1edf c\u00e1c ti\u1ec3u bang nh\u01b0 California, New York, New Jersey ho\u1eb7c Oregon.<\/p>\n<h3>C\u01a1 ch\u1ebf thu ng\u00e2n s\u00e1ch nh\u00e0 n\u01b0\u1edbc: Texas t\u00e0i tr\u1ee3 cho c\u00e1c d\u1ecbch v\u1ee5 c\u00f4ng c\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o m\u00e0 kh\u00f4ng c\u1ea7n thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n<\/h3>\n<p>Nh\u1eefng ng\u01b0\u1eddi d\u1ef1 \u0111\u1ecbnh sinh s\u1ed1ng v\u00e0 ng\u01b0\u1eddi lao \u0111\u1ed9ng m\u1edbi chuy\u1ec3n \u0111\u1ebfn th\u01b0\u1eddng th\u1eafc m\u1eafc v\u1ec1 c\u00e1ch bang Texas t\u00e0i tr\u1ee3 cho c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng, l\u1ef1c l\u01b0\u1ee3ng c\u1ea3nh s\u00e1t, c\u00e1c khu tr\u01b0\u1eddng h\u1ecdc c\u00f4ng l\u1eadp v\u00e0 h\u1ec7 th\u1ed1ng \u0111\u1ea1i h\u1ecdc m\u00e0 kh\u00f4ng c\u1ea7n thu\u1ebf thu nh\u1eadp. Texas s\u1eed d\u1ee5ng m\u00f4 h\u00ecnh thu\u1ebf ti\u00eau d\u00f9ng v\u00e0 thu\u1ebf t\u00e0i s\u1ea3n thay v\u00ec m\u00f4 h\u00ecnh thu\u1ebf n\u0103ng su\u1ea5t:<\/p>\n<ul>\n<li><strong>Thu\u1ebf b\u00e1n h\u00e0ng ti\u1ec3u bang v\u00e0 \u0111\u1ecba ph\u01b0\u01a1ng:<\/strong> Texas \u00e1p d\u1ee5ng m\u1ee9c thu\u1ebf b\u00e1n h\u00e0ng c\u01a1 b\u1ea3n c\u1ee7a ti\u1ec3u bang l\u00e0... <strong>6.25%<\/strong>C\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd giao th\u00f4ng \u0111\u1ecba ph\u01b0\u01a1ng, qu\u1eadn v\u00e0 th\u00e0nh ph\u1ed1 c\u00f3 th\u1ec3 c\u1ed9ng th\u00eam v\u00e0o kho\u1ea3n ph\u00ed b\u1ed5 sung. <strong>2.00%<\/strong>, d\u1eabn \u0111\u1ebfn m\u1ee9c thu\u1ebf b\u00e1n h\u00e0ng k\u1ebft h\u1ee3p t\u1ed1i \u0111a l\u00e0 <strong>8.25%<\/strong> tr\u00ean h\u1ea7u h\u1ebft c\u00e1c khu v\u1ef1c \u0111\u00f4 th\u1ecb ph\u00e1t tri\u1ec3n. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0, th\u1ef1c ph\u1ea9m, thu\u1ed1c theo toa v\u00e0 c\u00e1c ti\u1ec7n \u00edch sinh ho\u1ea1t \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf b\u00e1n h\u00e0ng theo lu\u1eadt.<\/li>\n<li><strong>Thu\u1ebf b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u1ee7a Qu\u1eadn v\u00e0 Khu h\u1ecdc\u5340:<\/strong> Thu\u1ebf b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u01b0\u1ee3c t\u00ednh to\u00e1n t\u1ea1i \u0111\u1ecba ph\u01b0\u01a1ng b\u1edfi c\u00e1c c\u01a1 quan \u0111\u1ecbnh gi\u00e1 c\u1ea5p qu\u1eadn (CAD) v\u00e0 c\u00e1c h\u1ecdc khu ch\u1ee9 kh\u00f4ng ph\u1ea3i ch\u00ednh ph\u1ee7 ti\u1ec3u bang. M\u1eb7c d\u00f9 thu\u1ebf b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u1edf Texas trung b\u00ecnh dao \u0111\u1ed9ng t\u1eeb 1,4% \u0111\u1ebfn 2,1% gi\u00e1 tr\u1ecb th\u1ecb tr\u01b0\u1eddng \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1, nh\u01b0ng ch\u1ee7 nh\u00e0 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb c\u00e1c kho\u1ea3n mi\u1ec5n gi\u1ea3m thu\u1ebf nh\u00e0 \u1edf \u0111\u00e1ng k\u1ec3, bao g\u1ed3m c\u1ea3 d\u1ef1 lu\u1eadt gi\u1ea3m thu\u1ebf b\u1ea5t \u0111\u1ed9ng s\u1ea3n Texas n\u0103m 2023 mang t\u00ednh b\u01b0\u1edbc ngo\u1eb7t, quy \u0111\u1ecbnh kho\u1ea3n mi\u1ec5n gi\u1ea3m thu\u1ebf nh\u00e0 \u1edf b\u1eaft bu\u1ed9c tr\u1ecb gi\u00e1 100.000 \u0111\u00f4 la M\u1ef9 \u0111\u1ed1i v\u1edbi thu\u1ebf h\u1ecdc khu.<\/li>\n<li><strong>Thu\u1ebf khai th\u00e1c d\u1ea7u kh\u00ed v\u00e0 kho\u00e1ng s\u1ea3n:<\/strong> Texas \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i r\u1ea5t nhi\u1ec1u t\u1eeb doanh thu khai th\u00e1c t\u00e0i nguy\u00ean thi\u00ean nhi\u00ean t\u1ea1i l\u01b0u v\u1ef1c Permian, m\u1ecf \u0111\u00e1 phi\u1ebfn Eagle Ford v\u00e0 c\u00e1c nh\u00e0 m\u00e1y l\u1ecdc d\u1ea7u ven V\u1ecbnh Mexico, gi\u00fap t\u0103ng c\u01b0\u1eddng d\u1ef1 tr\u1eef ng\u00e2n s\u00e1ch nh\u00e0 n\u01b0\u1edbc m\u00e0 kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ti\u1ec1n l\u01b0\u01a1ng c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng.<\/li>\n<\/ul>\n<h3>T\u00e1c \u0111\u1ed9ng \u0111\u1ebfn ti\u1ec1n l\u01b0\u01a1ng: So s\u00e1nh thu nh\u1eadp r\u00f2ng c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng Texas v\u1edbi m\u1ee9c trung b\u00ecnh to\u00e0n qu\u1ed1c<\/h3>\n<p>V\u00ec Texas kh\u00f4ng thu thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n, n\u00ean ng\u01b0\u1eddi lao \u0111\u1ed9ng c\u00f3 thu nh\u1eadp trung b\u00ecnh h\u1ed9 gia \u0111\u00ecnh s\u1ebd gi\u1eef l\u1ea1i t\u1ef7 l\u1ec7 thu nh\u1eadp g\u1ed9p cao h\u01a1n \u0111\u00e1ng k\u1ec3. V\u1edbi m\u1ee9c l\u01b0\u01a1ng 65.000 \u0111\u00f4 la, m\u1ed9t ng\u01b0\u1eddi lao \u0111\u1ed9ng \u0111\u1ed9c th\u00e2n \u1edf Texas gi\u1eef l\u1ea1i kho\u1ea3ng... <strong>78,7% t\u1ed5ng thu nh\u1eadp c\u1ee7a h\u1ecd<\/strong> trong m\u1ee9c l\u01b0\u01a1ng r\u00f2ng nh\u1eadn \u0111\u01b0\u1ee3c (gi\u1ea3 s\u1eed m\u1ee9c \u0111\u00f3ng g\u00f3p ti\u00eau chu\u1ea9n 5% v\u00e0o qu\u1ef9 h\u01b0u tr\u00ed 401(k) v\u00e0 c\u00e1c l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m y t\u1ebf). Tr\u00ean to\u00e0n qu\u1ed1c, ng\u01b0\u1eddi lao \u0111\u1ed9ng ph\u1ea3i ch\u1ecbu thu\u1ebf thu nh\u1eadp ti\u1ec3u bang l\u0169y \u200b\u200bti\u1ebfn c\u00f3 t\u1ef7 l\u1ec7 gi\u1eef l\u1ea1i thu nh\u1eadp trung b\u00ecnh t\u1eeb 71,0% \u0111\u1ebfn 74,5%, th\u1ec3 hi\u1ec7n s\u1ef1 kh\u00e1c bi\u1ec7t \u0111\u00e1ng k\u1ec3 v\u1ec1 d\u00f2ng ti\u1ec1n t\u1eeb 250 \u0111\u1ebfn 400 \u0111\u00f4 la m\u1ed7i th\u00e1ng.<\/p>\n<h2>Ph\u00e2n t\u00edch chi ti\u1ebft v\u1ec1 vi\u1ec7c kh\u1ea5u tr\u1eeb thu\u1ebf thu nh\u1eadp li\u00ean bang (FIT)<\/h2>\n<p>M\u1eb7c d\u00f9 Texas lo\u1ea1i b\u1ecf nh\u1eefng r\u00e0o c\u1ea3n v\u1ec1 thu\u1ebf ti\u1ec3u bang, nh\u01b0ng m\u1ecdi nh\u00e2n vi\u00ean v\u1eabn ph\u1ea3i ch\u1ecbu thu\u1ebf thu nh\u1eadp li\u00ean bang do S\u1edf Thu\u1ebf v\u1ee5 (IRS) qu\u1ea3n l\u00fd. Thu\u1ebf thu nh\u1eadp li\u00ean bang (FIT) \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb b\u1eb1ng Ph\u01b0\u01a1ng ph\u00e1p T\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m c\u1ee7a IRS, ph\u01b0\u01a1ng ph\u00e1p n\u00e0y chuy\u1ec3n \u0111\u1ed5i c\u00e1c b\u1eadc thu\u1ebf l\u0169y ti\u1ebfn h\u00e0ng n\u0103m th\u00e0nh s\u1ed1 ti\u1ec1n kh\u1ea5u tr\u1eeb ch\u00ednh x\u00e1c tr\u00ean m\u1ed7i k\u1ef3 l\u01b0\u01a1ng d\u1ef1a tr\u00ean c\u00e1c l\u1ef1a ch\u1ecdn c\u1ee7a b\u1ea1n tr\u00ean M\u1eabu W-4.<\/p>\n<h3>H\u01b0\u1edbng d\u1eabn \u0111i\u1ec1n M\u1eabu W-4: T\u00ecnh tr\u1ea1ng khai thu\u1ebf, c\u00e1c kho\u1ea3n t\u00edn d\u1ee5ng v\u00e0 c\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb b\u1ed5 sung<\/h3>\n<p>N\u0103m 2020, IRS \u0111\u00e3 c\u1ea3i t\u1ed5 v\u0129nh vi\u1ec5n... <strong>M\u1eabu W-4 (Gi\u1ea5y ch\u1ee9ng nh\u1eadn kh\u1ea5u tr\u1eeb thu\u1ebf c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng)<\/strong>, lo\u1ea1i b\u1ecf c\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb thu\u1ebf truy\u1ec1n th\u1ed1ng (ch\u1eb3ng h\u1ea1n nh\u01b0 khai b\u00e1o \"0\" ho\u1eb7c \"1\") \u0111\u1ec3 thay th\u1ebf b\u1eb1ng m\u1ed9t quy tr\u00ecnh t\u00ednh to\u00e1n minh b\u1ea1ch g\u1ed3m n\u0103m b\u01b0\u1edbc d\u1ef1a tr\u00ean s\u1ed1 ti\u1ec1n t\u00edn d\u1ee5ng v\u00e0 kh\u1ea5u tr\u1eeb ch\u00ednh x\u00e1c:<\/p>\n<ul>\n<li><strong>B\u01b0\u1edbc 1: Th\u00f4ng tin c\u00e1 nh\u00e2n &amp; T\u00ecnh tr\u1ea1ng n\u1ed9p h\u1ed3 s\u01a1:<\/strong> X\u00e1c \u0111\u1ecbnh bi\u1ec3u thu\u1ebf su\u1ea5t c\u1ee7a b\u1ea1n\u2014\u0110\u1ed9c th\u00e2n ho\u1eb7c K\u1ebft h\u00f4n khai thu\u1ebf ri\u00eang, K\u1ebft h\u00f4n khai thu\u1ebf chung, ho\u1eb7c Ch\u1ee7 h\u1ed9 gia \u0111\u00ecnh. T\u00ecnh tr\u1ea1ng khai thu\u1ebf s\u1ebd quy\u1ebft \u0111\u1ecbnh m\u1ee9c kh\u1ea5u tr\u1eeb ti\u00eau chu\u1ea9n \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho thu nh\u1eadp c\u1ee7a b\u1ea1n tr\u01b0\u1edbc khi t\u00ednh thu\u1ebf.<\/li>\n<li><strong>B\u01b0\u1edbc 2: Nhi\u1ec1u c\u00f4ng vi\u1ec7c ho\u1eb7c v\u1ee3\/ch\u1ed3ng c\u00f9ng \u0111i l\u00e0m:<\/strong> N\u1ebfu b\u1ea1n l\u00e0m nhi\u1ec1u c\u00f4ng vi\u1ec7c c\u00f9ng l\u00fac, ho\u1eb7c n\u1ebfu b\u1ea1n \u0111\u00e3 k\u1ebft h\u00f4n v\u00e0 n\u1ed9p thu\u1ebf chung v\u1edbi v\u1ee3\/ch\u1ed3ng c\u1ee7a b\u1ea1n c\u0169ng c\u00f3 thu nh\u1eadp, vi\u1ec7c ch\u1ecdn \u00f4 2(c) s\u1ebd \u0111i\u1ec1u ch\u1ec9nh \u0111\u1ed9 r\u1ed9ng c\u1ee7a c\u00e1c b\u1eadc thu\u1ebf \u0111\u1ec3 tr\u00e1nh b\u1ecb kh\u1ea5u tr\u1eeb thi\u1ebfu.<\/li>\n<li><strong>B\u01b0\u1edbc 3: Khai b\u00e1o ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c:<\/strong> Cung c\u1ea5p c\u00e1c kho\u1ea3n t\u00edn d\u1ee5ng thu\u1ebf tr\u1ef1c ti\u1ebfp t\u01b0\u01a1ng \u1ee9ng t\u1eebng \u0111\u1ed3ng, gi\u00fap gi\u1ea3m thu\u1ebf kh\u1ea5u tr\u1eeb li\u00ean bang. Nh\u00e2n vi\u00ean nh\u1eadn \u0111\u01b0\u1ee3c <strong>2.000 \u0111\u00f4 la cho m\u1ed7i tr\u1ebb em \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n d\u01b0\u1edbi 17 tu\u1ed5i<\/strong> V\u00e0 <strong>500 \u0111\u00f4 la cho ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c kh\u00e1c<\/strong> (ch\u1eb3ng h\u1ea1n nh\u01b0 cha m\u1eb9 gi\u00e0 ho\u1eb7c sinh vi\u00ean \u0111\u1ea1i h\u1ecdc). V\u1edbi l\u1ecbch tr\u1ea3 l\u01b0\u01a1ng hai tu\u1ea7n m\u1ed9t l\u1ea7n, vi\u1ec7c khai b\u00e1o m\u1ed9t \u0111\u1ee9a con s\u1ebd l\u00e0m gi\u1ea3m m\u1ee9c kh\u1ea5u tr\u1eeb thu\u1ebf li\u00ean bang kho\u1ea3ng 76,92 \u0111\u00f4 la m\u1ed7i k\u1ef3 l\u01b0\u01a1ng (2.000 \u0111\u00f4 la \u00d7 26).<\/li>\n<li><strong>B\u01b0\u1edbc 4: C\u00e1c \u0111i\u1ec1u ch\u1ec9nh kh\u00e1c:<\/strong> Cho ph\u00e9p ng\u01b0\u1eddi lao \u0111\u1ed9ng khai b\u00e1o thu nh\u1eadp \u0111\u1ea7u t\u01b0 b\u00ean ngo\u00e0i (B\u01b0\u1edbc 4a), c\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb chi ti\u1ebft v\u01b0\u1ee3t qu\u00e1 ng\u01b0\u1ee1ng ti\u00eau chu\u1ea9n (B\u01b0\u1edbc 4b) ho\u1eb7c y\u00eau c\u1ea7u kh\u1ea5u tr\u1eeb th\u00eam ti\u1ec1n t\u1ef1 nguy\u1ec7n m\u1ed7i k\u1ef3 tr\u1ea3 l\u01b0\u01a1ng (B\u01b0\u1edbc 4c).<\/li>\n<\/ul>\n<h3>Gi\u1ea3i th\u00edch v\u1ec1 c\u00e1c b\u1eadc thu\u1ebf li\u00ean bang n\u0103m 2026\/2025<\/h3>\n<p>C\u01a1 c\u1ea5u thu\u1ebf thu nh\u1eadp li\u00ean bang ho\u1ea1t \u0111\u1ed9ng theo h\u1ec7 th\u1ed1ng b\u1eadc thang l\u0169y \u200b\u200bti\u1ebfn. Vi\u1ec7c \u0111\u01b0\u1ee3c t\u0103ng l\u01b0\u01a1ng v\u01b0\u1ee3t qua m\u1ee9c thu\u1ebf su\u1ea5t cao h\u01a1n kh\u00f4ng bao gi\u1edd l\u00e0m gi\u1ea3m t\u1ed5ng thu nh\u1eadp th\u1ef1c nh\u1eadn; ch\u1ec9 nh\u1eefng kho\u1ea3n ti\u1ec1n c\u1ee5 th\u1ec3 n\u1eb1m trong b\u1eadc thu\u1ebf cao h\u01a1n m\u1edbi b\u1ecb \u0111\u00e1nh thu\u1ebf \u1edf m\u1ee9c thu\u1ebf su\u1ea5t bi\u00ean cao h\u01a1n.<\/p>\n<div class=\"tt-table-wrapper\">\n<table class=\"tt-tools-data-table\">\n<thead>\n<tr>\n<th>Thu\u1ebf su\u1ea5t bi\u00ean<\/th>\n<th>M\u1ee9c thu nh\u1eadp ch\u1ecbu thu\u1ebf duy nh\u1ea5t<\/th>\n<th>Thu\u1ebf su\u1ea5t d\u00e0nh cho v\u1ee3 ch\u1ed3ng khai thu\u1ebf chung<\/th>\n<th>M\u1ee9c l\u01b0\u01a1ng ch\u1ee7 h\u1ed9 gia \u0111\u00ecnh<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>10%<\/strong><\/td>\n<td>T\u1eeb 0 \u0111\u1ebfn 11.925 \u0111\u00f4 la<\/td>\n<td>T\u1eeb 0 \u0111\u1ebfn 23.850 \u0111\u00f4 la<\/td>\n<td>T\u1eeb 0 \u0111\u1ebfn 17.000 \u0111\u00f4 la<\/td>\n<\/tr>\n<tr>\n<td><strong>12%<\/strong><\/td>\n<td>T\u1eeb 11.926 \u0111\u00f4 la \u0111\u1ebfn 48.475 \u0111\u00f4 la<\/td>\n<td>T\u1eeb 23.851 \u0111\u00f4 la \u0111\u1ebfn 96.950 \u0111\u00f4 la<\/td>\n<td>T\u1eeb 17.001 \u0111\u00f4 la \u0111\u1ebfn 64.850 \u0111\u00f4 la<\/td>\n<\/tr>\n<tr>\n<td><strong>22%<\/strong><\/td>\n<td>T\u1eeb 48.476 \u0111\u00f4 la \u0111\u1ebfn 103.350 \u0111\u00f4 la<\/td>\n<td>T\u1eeb 96.951 \u0111\u00f4 la \u0111\u1ebfn 206.700 \u0111\u00f4 la<\/td>\n<td>T\u1eeb 64.851 \u0111\u00f4 la \u0111\u1ebfn 103.350 \u0111\u00f4 la<\/td>\n<\/tr>\n<tr>\n<td><strong>24%<\/strong><\/td>\n<td>T\u1eeb 103.351 \u0111\u00f4 la \u0111\u1ebfn 197.300 \u0111\u00f4 la<\/td>\n<td>T\u1eeb 206.701 \u0111\u00f4 la \u0111\u1ebfn 394.600 \u0111\u00f4 la<\/td>\n<td>T\u1eeb 103.351 \u0111\u00f4 la \u0111\u1ebfn 197.300 \u0111\u00f4 la<\/td>\n<\/tr>\n<tr>\n<td><strong>32%<\/strong><\/td>\n<td>T\u1eeb 197.301 \u0111\u00f4 la \u0111\u1ebfn 250.525 \u0111\u00f4 la<\/td>\n<td>T\u1eeb 394.601 \u0111\u00f4 la \u0111\u1ebfn 501.050 \u0111\u00f4 la<\/td>\n<td>T\u1eeb 197.301 \u0111\u00f4 la \u0111\u1ebfn 250.500 \u0111\u00f4 la<\/td>\n<\/tr>\n<tr>\n<td><strong>35%<\/strong><\/td>\n<td>T\u1eeb 250.526 \u0111\u00f4 la \u0111\u1ebfn 626.350 \u0111\u00f4 la<\/td>\n<td>T\u1eeb 501.051 \u0111\u00f4 la \u0111\u1ebfn 751.600 \u0111\u00f4 la<\/td>\n<td>T\u1eeb 250.501 \u0111\u00f4 la \u0111\u1ebfn 626.350 \u0111\u00f4 la<\/td>\n<\/tr>\n<tr>\n<td><strong>37%<\/strong><\/td>\n<td>H\u01a1n 626.350 \u0111\u00f4 la<\/td>\n<td>H\u01a1n 751.600 \u0111\u00f4 la<\/td>\n<td>H\u01a1n 626.350 \u0111\u00f4 la<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3>Thu\u1ebf su\u1ea5t bi\u00ean so v\u1edbi thu\u1ebf su\u1ea5t th\u1ef1c t\u1ebf<\/h3>\n<p>M\u1ed9t \u0111i\u1ec3m th\u01b0\u1eddng g\u00e2y nh\u1ea7m l\u1eabn gi\u1eefa c\u00e1c nh\u00e2n vi\u00ean l\u00e0 s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa... <strong>m\u1ee9c thu\u1ebf su\u1ea5t bi\u00ean<\/strong> v\u00e0 c\u1ee7a b\u1ea1n <strong>t\u1ef7 l\u1ec7 thu\u1ebf hi\u1ec7u qu\u1ea3<\/strong>N\u1ebfu b\u1ea1n l\u00e0 m\u1ed9t chuy\u00ean gia \u0111\u1ed9c th\u00e2n \u1edf Texas c\u00f3 thu nh\u1eadp 85.000 \u0111\u00f4 la, ph\u1ea7n thu nh\u1eadp cao nh\u1ea5t c\u1ee7a b\u1ea1n thu\u1ed9c khung thu\u1ebf su\u1ea5t bi\u00ean 22%. Tuy nhi\u00ean, v\u00ec 15.000 \u0111\u00f4 la \u0111\u1ea7u ti\u00ean c\u1ee7a b\u1ea1n \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf ho\u00e0n to\u00e0n theo kho\u1ea3n kh\u1ea5u tr\u1eeb ti\u00eau chu\u1ea9n, 11.925 \u0111\u00f4 la ti\u1ebfp theo ch\u1ec9 b\u1ecb \u0111\u00e1nh thu\u1ebf \u1edf m\u1ee9c 10%, v\u00e0 36.550 \u0111\u00f4 la sau \u0111\u00f3 b\u1ecb \u0111\u00e1nh thu\u1ebf \u1edf m\u1ee9c 12%, t\u1ed5ng s\u1ed1 thu\u1ebf li\u00ean bang th\u1ef1c t\u1ebf b\u1ea1n ph\u1ea3i tr\u1ea3 l\u00e0 kho\u1ea3ng 8.833 \u0111\u00f4 la. \u0110i\u1ec1u n\u00e0y t\u1ea1o ra m\u1ee9c thu\u1ebf thu nh\u1eadp li\u00ean bang hi\u1ec7u qu\u1ea3 ch\u1ec9 l\u00e0... <strong>10.4%<\/strong>\u2014\u00edt h\u01a1n m\u1ed9t n\u1eeda s\u1ed1 ng\u01b0\u1eddi c\u00f3 m\u1ee9c c\u01b0\u1ee3c bi\u00ean cao nh\u1ea5t c\u1ee7a b\u1ea1n.<\/p>\n<h2>Thu\u1ebf FICA (Thu\u1ebf l\u01b0\u01a1ng) - Quy \u0111\u1ecbnh v\u1ec1 An sinh x\u00e3 h\u1ed9i v\u00e0 Medicare<\/h2>\n<p>M\u1ecdi nh\u00e2n vi\u00ean W-2 kh\u00f4ng thu\u1ed9c di\u1ec7n mi\u1ec5n tr\u1eeb \u1edf Texas \u0111\u1ec1u ph\u1ea3i \u0111\u00f3ng thu\u1ebf l\u01b0\u01a1ng li\u00ean bang b\u1eaft bu\u1ed9c theo lu\u1eadt. <strong>\u0110\u1ea1o lu\u1eadt \u0111\u00f3ng g\u00f3p b\u1ea3o hi\u1ec3m li\u00ean bang (FICA)<\/strong>Kh\u00e1c v\u1edbi thu\u1ebf thu nh\u1eadp, thu\u1ebf FICA l\u00e0 lo\u1ea1i thu\u1ebf l\u0169y tho\u00e1i c\u1ed1 \u0111\u1ecbnh d\u00f9ng \u0111\u1ec3 t\u00e0i tr\u1ee3 cho c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh an sinh x\u00e3 h\u1ed9i li\u00ean bang: B\u1ea3o hi\u1ec3m h\u01b0u tr\u00ed, tr\u1ee3 c\u1ea5p ng\u01b0\u1eddi s\u1ed1ng s\u00f3t v\u00e0 tr\u1ee3 c\u1ea5p ng\u01b0\u1eddi khuy\u1ebft t\u1eadt (OASDI \/ An sinh x\u00e3 h\u1ed9i) v\u00e0 B\u1ea3o hi\u1ec3m y t\u1ebf (Medicare).<\/p>\n<h3>Thu\u1ebf An sinh X\u00e3 h\u1ed9i (OASDI): M\u1ee9c thu\u1ebf 6,2% v\u00e0 gi\u1edbi h\u1ea1n m\u1ee9c l\u01b0\u01a1ng c\u01a1 s\u1edf<\/h3>\n<p>Thu\u1ebf An sinh X\u00e3 h\u1ed9i \u0111\u01b0\u1ee3c t\u00ednh theo m\u1ee9c c\u1ed1 \u0111\u1ecbnh l\u00e0 <strong>6.20%<\/strong> tr\u00ean t\u1ea5t c\u1ea3 ti\u1ec1n l\u01b0\u01a1ng ki\u1ebfm \u0111\u01b0\u1ee3c cho \u0111\u1ebfn m\u1ee9c tr\u1ea7n theo quy \u0111\u1ecbnh h\u00e0ng n\u0103m \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 <strong>M\u1ee9c l\u01b0\u01a1ng c\u01a1 s\u1edf c\u1ee7a B\u1ea3o hi\u1ec3m X\u00e3 h\u1ed9i<\/strong> (176.100 \u0111\u00f4 la v\u00e0o n\u0103m 2025; d\u1ef1 ki\u1ebfn \u200b\u200bkho\u1ea3ng 181.800 \u0111\u00f4 la v\u00e0o n\u0103m 2026). C\u00e1c nh\u00e0 tuy\u1ec3n d\u1ee5ng \u0111\u00f3ng g\u00f3p th\u00eam 6,20%, n\u00e2ng t\u1ed5ng m\u1ee9c \u0111\u00f3ng g\u00f3p v\u00e0o qu\u1ef9 t\u00edn th\u00e1c An sinh x\u00e3 h\u1ed9i l\u00ean 12,4%.<\/p>\n<p>Khi t\u1ed5ng thu nh\u1eadp l\u0169y k\u1ebf t\u1eeb \u0111\u1ea7u n\u0103m \u0111\u1ebfn nay c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng v\u01b0\u1ee3t qu\u00e1 m\u1ee9c tr\u1ea7n theo quy \u0111\u1ecbnh, kho\u1ea3n kh\u1ea5u tr\u1eeb An sinh x\u00e3 h\u1ed9i 6,2% s\u1ebd ch\u1ea5m d\u1ee9t ngay l\u1eadp t\u1ee9c cho ph\u1ea7n c\u00f2n l\u1ea1i c\u1ee7a n\u0103m d\u01b0\u01a1ng l\u1ecbch \u0111\u00f3. \u0110\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp cao trong l\u0129nh v\u1ef1c c\u00f4ng ngh\u1ec7 \u1edf Austin ho\u1eb7c c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u1edf Dallas v\u1edbi m\u1ee9c l\u01b0\u01a1ng 250.000 \u0111\u00f4 la, vi\u1ec7c \u0111\u1ea1t \u0111\u1ebfn m\u1ee9c tr\u1ea7n l\u01b0\u01a1ng v\u00e0o \u0111\u1ea7u m\u00f9a thu s\u1ebd d\u1eabn \u0111\u1ebfn m\u1ee9c t\u0103ng ngay l\u1eadp t\u1ee9c 6,2% trong thu nh\u1eadp r\u00f2ng sau thu\u1ebf cho nh\u1eefng th\u00e1ng cu\u1ed1i n\u0103m.<\/p>\n<h3>Thu\u1ebf Medicare: M\u1ee9c \u0111\u00f3ng g\u00f3p c\u01a1 b\u1ea3n 1,45%, kh\u00f4ng gi\u1edbi h\u1ea1n m\u1ee9c tr\u1ea7n.<\/h3>\n<p>Thu\u1ebf Medicare t\u00e0i tr\u1ee3 cho b\u1ea3o hi\u1ec3m y t\u1ebf Ph\u1ea7n A d\u00e0nh cho ng\u01b0\u1eddi cao tu\u1ed5i v\u00e0 ng\u01b0\u1eddi khuy\u1ebft t\u1eadt \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n. Thu\u1ebf Medicare ti\u00eau chu\u1ea9n d\u00e0nh cho ng\u01b0\u1eddi lao \u0111\u1ed9ng \u0111\u01b0\u1ee3c t\u00ednh theo m\u1ee9c c\u1ed1 \u0111\u1ecbnh. <strong>1.45%<\/strong>Kh\u00f4ng gi\u1ed1ng nh\u01b0 B\u1ea3o hi\u1ec3m X\u00e3 h\u1ed9i, Medicare c\u00f3 quy\u1ec1n s\u1edf h\u1eefu <strong>m\u1ee9c tr\u1ea7n l\u01b0\u01a1ng b\u1eb1ng kh\u00f4ng<\/strong>\u2014M\u1ecdi \u0111\u1ed3ng ti\u1ec1n l\u01b0\u01a1ng ki\u1ebfm \u0111\u01b0\u1ee3c \u0111\u1ec1u ph\u1ea3i ch\u1ecbu kh\u1ea5u tr\u1eeb Medicare.<\/p>\n<h3>Thu\u1ebf Medicare b\u1ed5 sung: Ph\u1ee5 ph\u00ed 0,9% \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp cao<\/h3>\n<p>Theo \u0110\u1ea1o lu\u1eadt Ch\u0103m s\u00f3c S\u1ee9c kh\u1ecfe H\u1ee3p l\u00fd (ACA), nh\u1eefng ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp cao ph\u1ea3i ch\u1ecbu th\u00eam kho\u1ea3n Thu\u1ebf Medicare b\u1ed5 sung. <strong>0.90%<\/strong> v\u1ec1 kho\u1ea3n b\u1ed3i th\u01b0\u1eddng v\u01b0\u1ee3t qu\u00e1 ng\u01b0\u1ee1ng quy \u0111\u1ecbnh:<\/p>\n<ul>\n<li><strong>\u0110\u1ed9c th\u00e2n ho\u1eb7c ch\u1ee7 h\u1ed9 gia \u0111\u00ecnh:<\/strong> M\u1ee9c l\u01b0\u01a1ng v\u01b0\u1ee3t qu\u00e1 200.000 \u0111\u00f4 la<\/li>\n<li><strong>V\u1ee3 ch\u1ed3ng khai thu\u1ebf chung:<\/strong> M\u1ee9c l\u01b0\u01a1ng v\u01b0\u1ee3t qu\u00e1 250.000 \u0111\u00f4 la<\/li>\n<li><strong>V\u1ee3 ch\u1ed3ng khai thu\u1ebf ri\u00eang:<\/strong> M\u1ee9c l\u01b0\u01a1ng v\u01b0\u1ee3t qu\u00e1 125.000 \u0111\u00f4 la<\/li>\n<\/ul>\n<p>Theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt, ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng b\u1eaft bu\u1ed9c ph\u1ea3i b\u1eaft \u0111\u1ea7u kh\u1ea5u tr\u1eeb th\u00eam 0,9% trong k\u1ef3 tr\u1ea3 l\u01b0\u01a1ng m\u00e0 ti\u1ec1n l\u01b0\u01a1ng c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng t\u1eeb ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng \u0111\u00f3 v\u01b0\u1ee3t qu\u00e1 200.000 \u0111\u00f4 la, b\u1ea5t k\u1ec3 t\u00ecnh tr\u1ea1ng h\u00f4n nh\u00e2n c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng. T\u1ed5ng m\u1ee9c kh\u1ea5u tr\u1eeb Medicare cao nh\u1ea5t cho kho\u1ea3n ti\u1ec1n l\u01b0\u01a1ng v\u01b0\u1ee3t qu\u00e1 c\u00e1c ng\u01b0\u1ee1ng n\u00e0y l\u00e0 <strong>2,35% (1,45% c\u01a1 b\u1ea3n + 0,9% b\u1ed5 sung)<\/strong>.<\/p>\n<figure class=\"tt-article-media\">\n    <img decoding=\"async\" src=\"https:\/\/toolstecique.com\/wp-content\/themes\/astra-child\/tools\/assets\/paycheck-calculator-texas.webp\" alt=\"M\u00e1y t\u00ednh t\u00ednh l\u01b0\u01a1ng \u1edf Texas\" width=\"1200\" height=\"675\" loading=\"lazy\" \/><figcaption>K\u1ebf ho\u1ea1ch chi ti\u1ebft v\u1ec1 ti\u1ec1n l\u01b0\u01a1ng v\u00e0 thu nh\u1eadp th\u1ef1c nh\u1eadn t\u1ea1i Texas, ph\u00e2n t\u00edch kh\u1ea5u tr\u1eeb thu\u1ebf li\u00ean bang, \u0111\u00f3ng g\u00f3p FICA v\u00e0 kho\u1ea3n ti\u1ebft ki\u1ec7m thu\u1ebf ti\u1ec3u bang b\u1eb1ng kh\u00f4ng.<\/figcaption><\/figure>\n<h2>C\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb tr\u01b0\u1edbc thu\u1ebf so v\u1edbi c\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb sau thu\u1ebf: C\u00e1c ph\u00fac l\u1ee3i \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn thu nh\u1eadp c\u1ee7a b\u1ea1n nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n<p>T\u1ed1i \u01b0u h\u00f3a thu nh\u1eadp c\u1ee7a b\u1ea1n bao g\u1ed3m vi\u1ec7c l\u1ef1a ch\u1ecdn c\u00e1c quy\u1ec1n l\u1ee3i m\u1ed9t c\u00e1ch chi\u1ebfn l\u01b0\u1ee3c trong th\u1eddi gian \u0111\u0103ng k\u00fd m\u1edf. C\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb \u0111\u01b0\u1ee3c chia th\u00e0nh hai lo\u1ea1i thu\u1ebf kh\u00e1c nhau: <strong>c\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb tr\u01b0\u1edbc thu\u1ebf<\/strong> (gi\u00fap b\u1ea3o v\u1ec7 thu nh\u1eadp kh\u1ecfi thu\u1ebf tr\u01b0\u1edbc khi t\u00ednh to\u00e1n) v\u00e0 <strong>c\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb sau thu\u1ebf<\/strong> (s\u1ed1 ti\u1ec1n n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb sau khi ho\u00e0n t\u1ea5t th\u1ee7 t\u1ee5c thu\u1ebf).<\/p>\n<h3>Ch\u01b0\u01a1ng tr\u00ecnh ti\u1ebft ki\u1ec7m h\u01b0u tr\u00ed Section 125: Gi\u1ea3m thu\u1ebf k\u00e9p (FIT &amp; FICA)<\/h3>\n<p>C\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p ph\u00fac l\u1ee3i \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo M\u1ee5c 125 c\u1ee7a B\u1ed9 lu\u1eadt Thu\u1ebf v\u1ee5 Hoa K\u1ef3 (IRS) \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u043b\u044f\u044e\u0442 t\u1ea5m ch\u1eafn thu\u1ebf l\u01b0\u01a1ng h\u1ea5p d\u1eabn nh\u1ea5t hi\u1ec7n c\u00f3 d\u00e0nh cho ng\u01b0\u1eddi lao \u0111\u1ed9ng M\u1ef9. C\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p n\u00e0y \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf. <strong>C\u1ea3 thu\u1ebf thu nh\u1eadp li\u00ean bang V\u00c0 thu\u1ebf FICA (B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i &amp; Medicare)<\/strong>:<\/p>\n<ul>\n<li><strong>C\u00e1c kho\u1ea3n ph\u00ed b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe, nha khoa v\u00e0 th\u1ecb l\u1ef1c do ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng t\u00e0i tr\u1ee3:<\/strong> C\u00e1c kho\u1ea3n ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb tr\u1ef1c ti\u1ebfp t\u1eeb t\u1ed5ng l\u01b0\u01a1ng s\u1ebd l\u00e0m gi\u1ea3m m\u1ee9c l\u01b0\u01a1ng ch\u1ecbu thu\u1ebf \u0111\u1ed1i v\u1edbi t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb thu\u1ebf li\u00ean bang. N\u1ebfu b\u1ea1n tr\u1ea3 150 \u0111\u00f4 la hai tu\u1ea7n m\u1ed9t l\u1ea7n cho b\u1ea3o hi\u1ec3m y t\u1ebf to\u00e0n di\u1ec7n cho gia \u0111\u00ecnh, b\u1ea1n kh\u00f4ng ch\u1ec9 ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c thu\u1ebf thu nh\u1eadp li\u00ean bang (v\u00ed d\u1ee5: 22% = 33 \u0111\u00f4 la), m\u00e0 c\u00f2n ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c thu\u1ebf FICA (7,65% = 11,48 \u0111\u00f4 la), t\u1ea1o ra t\u1ed5ng s\u1ed1 ti\u1ec1n ti\u1ebft ki\u1ec7m th\u1ef1c t\u1ebf l\u00e0 44,48 \u0111\u00f4 la m\u1ed7i k\u1ef3 l\u01b0\u01a1ng.<\/li>\n<li><strong>T\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m y t\u1ebf (HSA):<\/strong> \u0110\u1ed1i v\u1edbi nh\u00e2n vi\u00ean tham gia c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe c\u00f3 m\u1ee9c kh\u1ea5u tr\u1eeb cao (HDHP) \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n, vi\u1ec7c kh\u1ea5u tr\u1eeb l\u01b0\u01a1ng v\u00e0o t\u00e0i kho\u1ea3n HSA s\u1ebd ho\u00e0n to\u00e0n kh\u00f4ng ph\u1ea3i \u0111\u00f3ng thu\u1ebf FIT v\u00e0 FICA. Ti\u1ec1n trong t\u00e0i kho\u1ea3n HSA t\u0103ng tr\u01b0\u1edfng mi\u1ec5n thu\u1ebf v\u00e0 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c r\u00fat ra mi\u1ec5n thu\u1ebf cho c\u00e1c chi ph\u00ed y t\u1ebf \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n, \u0111\u1ea1t \u0111\u01b0\u1ee3c ba \u01b0u \u0111\u00e3i v\u1ec1 thu\u1ebf.<\/li>\n<li><strong>T\u00e0i kho\u1ea3n chi ti\u00eau linh ho\u1ea1t (FSA ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe v\u00e0 ch\u0103m s\u00f3c ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c):<\/strong> Kho\u1ea3n ti\u1ec1n l\u01b0\u01a1ng tr\u01b0\u1edbc thu\u1ebf \u0111\u01b0\u1ee3c ph\u00e2n b\u1ed5 cho c\u00e1c kho\u1ea3n \u0111\u1ed3ng chi tr\u1ea3 y t\u1ebf ho\u1eb7c d\u1ecbch v\u1ee5 tr\u00f4ng tr\u1ebb s\u1ebd l\u00e0m gi\u1ea3m c\u1ea3 thu\u1ebf thu nh\u1eadp v\u00e0 thu\u1ebf l\u01b0\u01a1ng.<\/li>\n<\/ul>\n<h3>C\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p h\u01b0u tr\u00ed truy\u1ec1n th\u1ed1ng 401(k) \/ 403(b)<\/h3>\n<p>C\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p v\u00e0o t\u00e0i kho\u1ea3n h\u01b0u tr\u00ed truy\u1ec1n th\u1ed1ng 401(k) ho\u1eb7c 403(b) l\u00e0 <strong>tr\u01b0\u1edbc thu\u1ebf cho m\u1ee5c \u0111\u00edch Thu\u1ebf Thu nh\u1eadp Li\u00ean bang (FIT)<\/strong>nh\u01b0ng v\u1eabn gi\u1eef nguy\u00ean <strong>ch\u1ecbu thu\u1ebf l\u01b0\u01a1ng FICA<\/strong>N\u1ebfu m\u1ed9t nh\u00e2n vi\u00ean c\u00f3 thu nh\u1eadp g\u1ed9p 3.000 \u0111\u00f4 la m\u1ed7i hai tu\u1ea7n \u0111\u00f3ng g\u00f3p 6% (180 \u0111\u00f4 la) v\u00e0o qu\u1ef9 h\u01b0u tr\u00ed 401(k) truy\u1ec1n th\u1ed1ng, thu\u1ebf thu nh\u1eadp li\u00ean bang s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh tr\u00ean 2.820 \u0111\u00f4 la, trong khi thu\u1ebf An sinh x\u00e3 h\u1ed9i v\u00e0 Medicare \u0111\u01b0\u1ee3c t\u00ednh tr\u00ean to\u00e0n b\u1ed9 3.000 \u0111\u00f4 la. Vi\u1ec7c ho\u00e3n thu\u1ebf thu nh\u1eadp li\u00ean bang ngay l\u1eadp t\u1ee9c n\u00e0y gi\u00fap gi\u1ea3m ngh\u0129a v\u1ee5 thu\u1ebf hi\u1ec7n t\u1ea1i \u0111\u1ed3ng th\u1eddi t\u1ea1o ra s\u1ef1 gi\u00e0u c\u00f3 l\u00e2u d\u00e0i theo c\u1ea5p s\u1ed1 nh\u00e2n.<\/p>\n<h3>C\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb sau thu\u1ebf: T\u00e0i kho\u1ea3n Roth 401(k), l\u1ec7nh t\u1ecbch thu t\u00e0i s\u1ea3n v\u00e0 ph\u00ed c\u00f4ng \u0111o\u00e0n<\/h3>\n<p>C\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb sau thu\u1ebf kh\u00f4ng mang l\u1ea1i l\u1ee3i \u00edch gi\u1ea3m thu\u1ebf ngay l\u1eadp t\u1ee9c; ch\u00fang \u0111\u01b0\u1ee3c tr\u1eeb v\u00e0o thu nh\u1eadp r\u00f2ng c\u1ee7a b\u1ea1n sau khi t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb thu\u1ebf \u0111\u00e3 \u0111\u01b0\u1ee3c ho\u00e0n t\u1ea5t:<\/p>\n<ul>\n<li><strong>\u0110\u00f3ng g\u00f3p v\u00e0o t\u00e0i kho\u1ea3n Roth 401(k):<\/strong> \u0110\u01b0\u1ee3c t\u00e0i tr\u1ee3 b\u1eb1ng ti\u1ec1n sau thu\u1ebf. M\u1eb7c d\u00f9 kho\u1ea3n \u0111\u00f3ng g\u00f3p v\u00e0o t\u00e0i kho\u1ea3n Roth kh\u00f4ng l\u00e0m gi\u1ea3m h\u00f3a \u0111\u01a1n thu\u1ebf hi\u1ec7n t\u1ea1i c\u1ee7a b\u1ea1n, nh\u01b0ng t\u1ea5t c\u1ea3 l\u1ee3i nhu\u1eadn t\u1eeb v\u1ed1n, c\u1ed5 t\u1ee9c v\u00e0 c\u00e1c kho\u1ea3n ph\u00e2n ph\u1ed1i h\u01b0u tr\u00ed trong t\u01b0\u01a1ng lai \u0111\u1ec1u \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf 100%.<\/li>\n<li><strong>Tr\u1eeb l\u01b0\u01a1ng theo l\u1ec7nh c\u1ee7a t\u00f2a \u00e1n:<\/strong> Ti\u1ec1n c\u1ea5p d\u01b0\u1ee1ng nu\u00f4i con, ti\u1ec1n tr\u1ee3 c\u1ea5p ly h\u00f4n, c\u00e1c kho\u1ea3n vay sinh vi\u00ean v\u1ee1 n\u1ee3 ho\u1eb7c c\u00e1c ph\u00e1n quy\u1ebft d\u00e2n s\u1ef1. Theo lu\u1eadt Texas, vi\u1ec7c t\u1ecbch thu t\u00e0i s\u1ea3n \u0111\u1ec3 tr\u1ea3 n\u1ee3 ti\u00eau d\u00f9ng b\u1ecb h\u1ea1n ch\u1ebf nghi\u00eam ng\u1eb7t, nh\u01b0ng ti\u1ec1n c\u1ea5p d\u01b0\u1ee1ng nu\u00f4i con v\u00e0 c\u00e1c kho\u1ea3n vay sinh vi\u00ean li\u00ean bang th\u00ec v\u1eabn c\u00f3 th\u1ec3 th\u1ef1c thi \u0111\u01b0\u1ee3c.<\/li>\n<li><strong>C\u00e1c quy\u1ec1n l\u1ee3i t\u1ef1 nguy\u1ec7n:<\/strong> B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd b\u1ed5 sung, c\u00e1c g\u00f3i d\u1ecbch v\u1ee5 ph\u00e1p l\u00fd, b\u1ea3o hi\u1ec3m th\u00fa c\u01b0ng v\u00e0 ph\u00ed h\u1ed9i vi\u00ean c\u00f4ng \u0111o\u00e0n t\u1ef1 nguy\u1ec7n.<\/li>\n<\/ul>\n<div class=\"tt-table-wrapper\">\n<table class=\"tt-tools-data-table\">\n<thead>\n<tr>\n<th>Lo\u1ea1i kh\u1ea5u tr\u1eeb l\u01b0\u01a1ng<\/th>\n<th>Thu\u1ebf thu nh\u1eadp li\u00ean bang (FIT)<\/th>\n<th>B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i (6,2%)<\/th>\n<th>Medicare (1,45%)<\/th>\n<th>Thu\u1ebf ti\u1ec3u bang Texas<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>B\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe \/ nha khoa \/ th\u1ecb l\u1ef1c<\/strong><\/td>\n<td>Mi\u1ec5n thu\u1ebf (tr\u01b0\u1edbc thu\u1ebf)<\/td>\n<td>Mi\u1ec5n thu\u1ebf (tr\u01b0\u1edbc thu\u1ebf)<\/td>\n<td>Mi\u1ec5n thu\u1ebf (tr\u01b0\u1edbc thu\u1ebf)<\/td>\n<td>0% (Mi\u1ec5n thu\u1ebf)<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0110\u00f3ng g\u00f3p v\u00e0o HSA \/ FSA<\/strong><\/td>\n<td>Mi\u1ec5n thu\u1ebf (tr\u01b0\u1edbc thu\u1ebf)<\/td>\n<td>Mi\u1ec5n thu\u1ebf (tr\u01b0\u1edbc thu\u1ebf)<\/td>\n<td>Mi\u1ec5n thu\u1ebf (tr\u01b0\u1edbc thu\u1ebf)<\/td>\n<td>0% (Mi\u1ec5n thu\u1ebf)<\/td>\n<\/tr>\n<tr>\n<td><strong>K\u1ebf ho\u1ea1ch h\u01b0u tr\u00ed truy\u1ec1n th\u1ed1ng 401(k) \/ 403(b)<\/strong><\/td>\n<td>Mi\u1ec5n thu\u1ebf (tr\u01b0\u1edbc thu\u1ebf)<\/td>\n<td>Ch\u1ecbu thu\u1ebf<\/td>\n<td>Ch\u1ecbu thu\u1ebf<\/td>\n<td>0% (Mi\u1ec5n thu\u1ebf)<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0110\u00f3ng g\u00f3p v\u00e0o qu\u1ef9 Roth 401(k)<\/strong><\/td>\n<td>Ch\u1ecbu thu\u1ebf (sau thu\u1ebf)<\/td>\n<td>Ch\u1ecbu thu\u1ebf (sau thu\u1ebf)<\/td>\n<td>Ch\u1ecbu thu\u1ebf (sau thu\u1ebf)<\/td>\n<td>0% (Mi\u1ec5n thu\u1ebf)<\/td>\n<\/tr>\n<tr>\n<td><strong>Tr\u1eeb l\u01b0\u01a1ng v\u00e0 ph\u00ed h\u1ed9i vi\u00ean<\/strong><\/td>\n<td>Ch\u1ecbu thu\u1ebf (sau thu\u1ebf)<\/td>\n<td>Ch\u1ecbu thu\u1ebf (sau thu\u1ebf)<\/td>\n<td>Ch\u1ecbu thu\u1ebf (sau thu\u1ebf)<\/td>\n<td>0% (Mi\u1ec5n thu\u1ebf)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2>T\u1ea7n su\u1ea5t nh\u1eadn l\u01b0\u01a1ng \u1edf Texas: Qu\u1ea3n l\u00fd l\u1ecbch tr\u1ea3 l\u01b0\u01a1ng hai tu\u1ea7n m\u1ed9t l\u1ea7n, n\u1eeda th\u00e1ng m\u1ed9t l\u1ea7n v\u00e0 h\u00e0ng tu\u1ea7n<\/h2>\n<p>Th\u1eddi \u0111i\u1ec3m nh\u1eadn l\u01b0\u01a1ng \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn t\u00ednh thanh kho\u1ea3n c\u1ee7a d\u00f2ng ti\u1ec1n, l\u1ecbch thanh to\u00e1n kho\u1ea3n vay th\u1ebf ch\u1ea5p v\u00e0 ng\u00e2n s\u00e1ch h\u00e0ng th\u00e1ng. T\u1ea1i Texas, c\u00e1c nh\u00e0 tuy\u1ec3n d\u1ee5ng ho\u1ea1t \u0111\u1ed9ng theo b\u1ed1n chu k\u1ef3 tr\u1ea3 l\u01b0\u01a1ng ch\u00ednh:<\/p>\n<h3>Nh\u1eadn l\u01b0\u01a1ng hai tu\u1ea7n m\u1ed9t l\u1ea7n (26 k\u1ef3 l\u01b0\u01a1ng\/n\u0103m): Ph\u00e9p m\u00e0u c\u1ee7a th\u00e1ng nh\u1eadn 3 k\u1ef3 l\u01b0\u01a1ng<\/h3>\n<p>Tr\u1ea3 l\u01b0\u01a1ng hai tu\u1ea7n m\u1ed9t l\u1ea7n l\u00e0 h\u00ecnh th\u1ee9c tr\u1ea3 l\u01b0\u01a1ng ph\u1ed5 bi\u1ebfn nh\u1ea5t trong c\u00e1c l\u0129nh v\u1ef1c doanh nghi\u1ec7p, y t\u1ebf v\u00e0 c\u00f4ng nghi\u1ec7p t\u1ea1i Texas. Nh\u00e2n vi\u00ean nh\u1eadn l\u01b0\u01a1ng hai tu\u1ea7n m\u1ed9t l\u1ea7n (th\u01b0\u1eddng l\u00e0 v\u00e0o c\u00e1c ng\u00e0y th\u1ee9 S\u00e1u xen k\u1ebd), t\u1ed5ng c\u1ed9ng l\u00e0... <strong>26 k\u1ef3 l\u01b0\u01a1ng m\u1ed7i n\u0103m d\u01b0\u01a1ng l\u1ecbch<\/strong>V\u00ec 26 k\u1ef3 l\u01b0\u01a1ng chia cho 12 th\u00e1ng d\u01b0\u01a1ng l\u1ecbch b\u1eb1ng 2,16 k\u1ef3 l\u01b0\u01a1ng m\u1ed7i th\u00e1ng, n\u00ean nh\u00e2n vi\u00ean s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c... <strong>hai 'th\u00e1ng k\u1ef3 di\u1ec7u' m\u1ed7i n\u0103m, m\u1ed7i th\u00e1ng c\u00f3 ba k\u1ef3 tr\u1ea3 l\u01b0\u01a1ng.<\/strong> thay v\u00ec hai.<\/p>\n<p>C\u00e1c h\u1ed9 gia \u0111\u00ecnh c\u00f3 k\u1ef7 lu\u1eadt, d\u1ef1a v\u00e0o hai k\u1ef3 l\u01b0\u01a1ng \u0111\u1ec3 chi tr\u1ea3 c\u00e1c kho\u1ea3n ph\u00ed sinh ho\u1ea1t c\u1ed1 \u0111\u1ecbnh h\u00e0ng th\u00e1ng (ti\u1ec1n thu\u00ea nh\u00e0, tr\u1ea3 g\u00f3p nh\u00e0, vay mua \u00f4 t\u00f4, b\u1ea3o hi\u1ec3m), c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n r\u00f2ng t\u1eeb k\u1ef3 l\u01b0\u01a1ng th\u1ee9 ba trong hai th\u00e1ng \u0111\u00f3 \u0111\u1ec3 t\u00edch c\u1ef1c gi\u1ea3m n\u1ee3, \u0111\u1ea7u t\u01b0 v\u00e0o danh m\u1ee5c \u0111\u1ea7u t\u01b0 ho\u1eb7c l\u1eadp qu\u1ef9 ti\u1ebft ki\u1ec7m kh\u1ea9n c\u1ea5p.<\/p>\n<h3>L\u01b0\u01a1ng \u0111\u01b0\u1ee3c tr\u1ea3 hai l\u1ea7n m\u1ed9t th\u00e1ng (24 k\u1ef3 l\u01b0\u01a1ng\/n\u0103m): L\u1ecbch tr\u1ea3 l\u01b0\u01a1ng c\u1ed1 \u0111\u1ecbnh v\u00e0 d\u1ec5 d\u1ef1 \u0111o\u00e1n.<\/h3>\n<p>Vi\u1ec7c tr\u1ea3 l\u01b0\u01a1ng n\u1eeda th\u00e1ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n hai l\u1ea7n m\u1ed9t th\u00e1ng v\u00e0o nh\u1eefng ng\u00e0y c\u1ed1 \u0111\u1ecbnh tr\u00ean l\u1ecbch\u2014th\u01b0\u1eddng l\u00e0 v\u00e0o ng\u00e0y... <strong>Ng\u00e0y 15 v\u00e0 c\u0169ng l\u00e0 ng\u00e0y cu\u1ed1i c\u00f9ng c\u1ee7a th\u00e1ng.<\/strong> (T\u1ed5ng c\u1ed9ng ch\u00ednh x\u00e1c 24 k\u1ef3 l\u01b0\u01a1ng m\u1ed7i n\u0103m). M\u1ed7i k\u1ef3 l\u01b0\u01a1ng chi\u1ebfm ch\u00ednh x\u00e1c 1\/24 t\u1ed5ng thu nh\u1eadp h\u00e0ng n\u0103m c\u1ee7a b\u1ea1n. M\u1eb7c d\u00f9 l\u1ecbch tr\u1ea3 l\u01b0\u01a1ng n\u1eeda th\u00e1ng gi\u00fap lo\u1ea1i b\u1ecf nh\u1eefng th\u00e1ng c\u00f3 ba k\u1ef3 l\u01b0\u01a1ng, nh\u01b0ng n\u00f3 mang l\u1ea1i kh\u1ea3 n\u0103ng d\u1ef1 \u0111o\u00e1n ng\u00e2n s\u00e1ch tuy\u1ec7t \u0111\u1ed1i v\u00ec ng\u00e0y tr\u1ea3 l\u01b0\u01a1ng tr\u00f9ng kh\u1edbp ch\u1eb7t ch\u1ebd v\u1edbi chu k\u1ef3 thanh to\u00e1n h\u00f3a \u0111\u01a1n \u0111i\u1ec7n n\u01b0\u1edbc v\u00e0 th\u1ebf ch\u1ea5p nh\u00e0 \u1edf \u0111\u1ea7u v\u00e0 gi\u1eefa th\u00e1ng.<\/p>\n<h3>Chu k\u1ef3 h\u00e0ng tu\u1ea7n (52 k\u1ef3 l\u01b0\u01a1ng) v\u00e0 h\u00e0ng th\u00e1ng (12 k\u1ef3 l\u01b0\u01a1ng)<\/h3>\n<p>Ch\u1ebf \u0111\u1ed9 tr\u1ea3 l\u01b0\u01a1ng h\u00e0ng tu\u1ea7n l\u00e0 ti\u00eau chu\u1ea9n chung trong c\u00e1c ng\u00e0nh x\u00e2y d\u1ef1ng, th\u01b0\u01a1ng m\u1ea1i, d\u1ecbch v\u1ee5 d\u1ea7u kh\u00ed v\u00e0 kh\u00e1ch s\u1ea1n \u1edf Texas, cung c\u1ea5p ngu\u1ed3n v\u1ed1n ngay l\u1eadp t\u1ee9c v\u00e0o m\u1ed7i th\u1ee9 S\u00e1u trong su\u1ed1t 52 k\u1ef3 tr\u1ea3 l\u01b0\u01a1ng. Ng\u01b0\u1ee3c l\u1ea1i, ch\u1ebf \u0111\u1ed9 tr\u1ea3 l\u01b0\u01a1ng h\u00e0ng th\u00e1ng (12 k\u1ef3 tr\u1ea3 l\u01b0\u01a1ng m\u1ed7i n\u0103m) ph\u1ed5 bi\u1ebfn h\u01a1n \u1edf c\u00e1c h\u1ecdc khu c\u00f4ng l\u1eadp (ISD) v\u00e0 c\u00e1c c\u01a1 s\u1edf gi\u00e1o d\u1ee5c \u0111\u1ea1i h\u1ecdc, \u0111\u00f2i h\u1ecfi vi\u1ec7c l\u1eadp ng\u00e2n s\u00e1ch chi ti\u00eau h\u00e0ng th\u00e1ng m\u1ed9t c\u00e1ch c\u00f3 k\u1ef7 lu\u1eadt.<\/p>\n<h2>Lu\u1eadt Tr\u1ea3 l\u01b0\u01a1ng v\u00e0 Quy \u0111\u1ecbnh v\u1ec1 L\u00e0m th\u00eam gi\u1edd t\u1ea1i Texas (TWC &amp; FLSA)<\/h2>\n<p>Qu\u1ea3n l\u00fd ti\u1ec1n l\u01b0\u01a1ng \u1edf Texas ho\u1ea1t \u0111\u1ed9ng d\u01b0\u1edbi s\u1ef1 gi\u00e1m s\u00e1t k\u00e9p c\u1ee7a... <strong>Lu\u1eadt Tr\u1ea3 L\u01b0\u01a1ng Ng\u00e0y \u0110\u00f3n Ti\u1ec1n c\u1ee7a Texas (do \u1ee6y ban Lao \u0111\u1ed9ng Texas \u2013 TWC qu\u1ea3n l\u00fd)<\/strong> v\u00e0 li\u00ean bang <strong>\u0110\u1ea1o lu\u1eadt Ti\u00eau chu\u1ea9n Lao \u0111\u1ed9ng C\u00f4ng b\u1eb1ng (FLSA)<\/strong>Hi\u1ec3u r\u00f5 nh\u1eefng quy \u0111\u1ecbnh b\u1ea3o v\u1ec7 theo lu\u1eadt \u0111\u1ecbnh n\u00e0y \u0111\u1ea3m b\u1ea3o ng\u01b0\u1eddi lao \u0111\u1ed9ng \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng ch\u00ednh x\u00e1c v\u00e0 \u0111\u00fang th\u1eddi h\u1ea1n.<\/p>\n<h3>Lu\u1eadt cho vay ng\u1eafn h\u1ea1n c\u1ee7a Texas quy \u0111\u1ecbnh<\/h3>\n<p>Theo Ch\u01b0\u01a1ng 61 c\u1ee7a B\u1ed9 lu\u1eadt Lao \u0111\u1ed9ng Texas, ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng ph\u1ea3i tu\u00e2n th\u1ee7 l\u1ecbch thanh to\u00e1n nghi\u00eam ng\u1eb7t:<\/p>\n<ul>\n<li><strong>Ph\u00e2n lo\u1ea1i ng\u00e0y l\u0129nh l\u01b0\u01a1ng:<\/strong> Nh\u00e2n vi\u00ean kh\u00f4ng thu\u1ed9c di\u1ec7n mi\u1ec5n tr\u1eeb theo \u0110\u1ea1o lu\u1eadt Ti\u00eau chu\u1ea9n Lao \u0111\u1ed9ng C\u00f4ng b\u1eb1ng (FLSA) ph\u1ea3i \u0111\u01b0\u1ee3c tr\u1ea3 l\u01b0\u01a1ng \u00edt nh\u1ea5t hai l\u1ea7n m\u1ed9t th\u00e1ng (n\u1eeda th\u00e1ng ho\u1eb7c hai tu\u1ea7n m\u1ed9t l\u1ea7n). Nh\u00e2n vi\u00ean thu\u1ed9c di\u1ec7n mi\u1ec5n tr\u1eeb ph\u1ea3i \u0111\u01b0\u1ee3c tr\u1ea3 l\u01b0\u01a1ng \u00edt nh\u1ea5t m\u1ed9t l\u1ea7n m\u1ed9t th\u00e1ng.<\/li>\n<li><strong>Thanh to\u00e1n l\u01b0\u01a1ng cu\u1ed1i k\u1ef3 k\u1ecbp th\u1eddi:<\/strong> N\u1ebfu m\u1ed9t nh\u00e2n vi\u00ean b\u1ecb sa th\u1ea3i kh\u00f4ng t\u1ef1 nguy\u1ec7n (b\u1ecb ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng ho\u1eb7c b\u1ecb cho th\u00f4i vi\u1ec7c), ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng ph\u1ea3i thanh to\u00e1n t\u1ea5t c\u1ea3 ti\u1ec1n l\u01b0\u01a1ng c\u00f2n n\u1ee3 trong v\u00f2ng... <strong>s\u00e1u ng\u00e0y d\u01b0\u01a1ng l\u1ecbch<\/strong> v\u1ec1 vi\u1ec7c sa th\u1ea3i. N\u1ebfu nh\u00e2n vi\u00ean t\u1ef1 nguy\u1ec7n th\u00f4i vi\u1ec7c, kho\u1ea3n ti\u1ec1n l\u01b0\u01a1ng cu\u1ed1i c\u00f9ng s\u1ebd \u0111\u01b0\u1ee3c thanh to\u00e1n v\u00e0o ng\u00e0y tr\u1ea3 l\u01b0\u01a1ng \u0111\u1ecbnh k\u1ef3 ti\u1ebfp theo.<\/li>\n<li><strong>Nghi\u00eam c\u1ea5m c\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb tr\u00e1i ph\u00e9p:<\/strong> C\u00e1c ch\u1ee7 lao \u0111\u1ed9ng \u1edf Texas kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p gi\u1eef l\u1ea1i ho\u1eb7c chuy\u1ec3n h\u01b0\u1edbng b\u1ea5t k\u1ef3 ph\u1ea7n n\u00e0o trong ti\u1ec1n l\u01b0\u01a1ng c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng tr\u1eeb khi \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt cho ph\u00e9p, c\u00f3 l\u1ec7nh c\u1ee7a t\u00f2a \u00e1n c\u00f3 th\u1ea9m quy\u1ec1n ho\u1eb7c \u0111\u01b0\u1ee3c ng\u01b0\u1eddi lao \u0111\u1ed9ng cho ph\u00e9p b\u1eb1ng v\u0103n b\u1ea3n v\u00ec m\u1ee5c \u0111\u00edch h\u1ee3p ph\u00e1p.<\/li>\n<\/ul>\n<h3>C\u00e1ch t\u00ednh to\u00e1n ti\u1ec1n l\u00e0m th\u00eam gi\u1edd: H\u1ec7 s\u1ed1 nh\u00e2n 1,5x v\u00e0 gi\u1edbi h\u1ea1n 40 gi\u1edd<\/h3>\n<p>Theo \u0110\u1ea1o lu\u1eadt Ti\u00eau chu\u1ea9n Lao \u0111\u1ed9ng C\u00f4ng b\u1eb1ng (FLSA), t\u1ea5t c\u1ea3 nh\u00e2n vi\u00ean l\u00e0m vi\u1ec7c theo gi\u1edd kh\u00f4ng thu\u1ed9c di\u1ec7n mi\u1ec5n tr\u1eeb \u1edf Texas ph\u1ea3i \u0111\u01b0\u1ee3c tr\u1ea3 ti\u1ec1n l\u00e0m th\u00eam gi\u1edd v\u1edbi m\u1ee9c l\u01b0\u01a1ng l\u00e0... <strong>kh\u00f4ng th\u1ea5p h\u01a1n 1,5 l\u1ea7n m\u1ee9c l\u01b0\u01a1ng th\u00f4ng th\u01b0\u1eddng c\u1ee7a h\u1ecd<\/strong> \u0110\u1ed1i v\u1edbi t\u1ea5t c\u1ea3 c\u00e1c gi\u1edd l\u00e0m vi\u1ec7c v\u01b0\u1ee3t qu\u00e1 40 gi\u1edd trong m\u1ed9t tu\u1ea7n l\u00e0m vi\u1ec7c ti\u00eau chu\u1ea9n 7 ng\u00e0y. Gi\u1edd l\u00e0m th\u00eam kh\u00f4ng th\u1ec3 t\u00ednh trung b\u00ecnh trong hai tu\u1ea7n; l\u00e0m vi\u1ec7c 50 gi\u1edd trong Tu\u1ea7n 1 v\u00e0 30 gi\u1edd trong Tu\u1ea7n 2 s\u1ebd y\u00eau c\u1ea7u tr\u1ea3 l\u01b0\u01a1ng l\u00e0m th\u00eam 10 gi\u1edd trong Tu\u1ea7n 1, ngay c\u1ea3 khi t\u1ed5ng s\u1ed1 gi\u1edd l\u00e0m vi\u1ec7c trong hai tu\u1ea7n b\u1eb1ng 80 gi\u1edd.<\/p>\n<h3>C\u00e1ch t\u00ednh l\u01b0\u01a1ng c\u01a1 b\u1ea3n bao g\u1ed3m ti\u1ec1n th\u01b0\u1edfng v\u00e0 ph\u1ee5 c\u1ea5p ca l\u00e0m vi\u1ec7c<\/h3>\n<p>M\u1ed9t l\u1ed7i vi ph\u1ea1m b\u1ea3ng l\u01b0\u01a1ng th\u01b0\u1eddng g\u1eb7p l\u00e0 kh\u00f4ng t\u00ednh ti\u1ec1n th\u01b0\u1edfng kh\u00f4ng b\u1eaft bu\u1ed9c v\u00e0o m\u1ee9c l\u01b0\u01a1ng l\u00e0m th\u00eam gi\u1edd. N\u1ebfu m\u1ed9t k\u1ef9 thu\u1eadt vi\u00ean \u0111\u01b0\u1ee3c tr\u1ea3 l\u01b0\u01a1ng theo gi\u1edd v\u1edbi m\u1ee9c 20 \u0111\u00f4 la\/gi\u1edd l\u00e0m vi\u1ec7c 50 gi\u1edd trong m\u1ed9t tu\u1ea7n v\u00e0 nh\u1eadn \u0111\u01b0\u1ee3c kho\u1ea3n ti\u1ec1n th\u01b0\u1edfng s\u1ea3n xu\u1ea5t kh\u00f4ng b\u1eaft bu\u1ed9c l\u00e0 100 \u0111\u00f4 la, th\u00ec t\u1ed5ng l\u01b0\u01a1ng c\u01a1 b\u1ea3n c\u1ee7a h\u1ecd l\u00e0 1.100 \u0111\u00f4 la (1.000 \u0111\u00f4 la theo gi\u1edd + 100 \u0111\u00f4 la ti\u1ec1n th\u01b0\u1edfng). M\u1ee9c l\u01b0\u01a1ng th\u1ef1c t\u1ebf th\u00f4ng th\u01b0\u1eddng c\u1ee7a h\u1ecd l\u00e0... <code>1.100 \u0111\u00f4 la \u00d7 50 gi\u1edd = 22 \u0111\u00f4 la\/gi\u1edd<\/code>Ti\u1ec1n th\u01b0\u1edfng l\u00e0m th\u00eam gi\u1edd c\u1ee7a h\u1ecd b\u1eb1ng m\u1ed9t n\u1eeda m\u1ee9c l\u01b0\u01a1ng c\u01a1 b\u1ea3n ($11,00\/gi\u1edd) nh\u00e2n v\u1edbi 10 gi\u1edd l\u00e0m th\u00eam ($110,00), cho ra t\u1ed5ng s\u1ed1 ti\u1ec1n l\u01b0\u01a1ng g\u1ed9p l\u00e0 $1.210,00.<\/p>\n<h2>Ph\u00e2n t\u00edch vi\u1ec7c chuy\u1ec3n \u0111\u1ecba \u0111i\u1ec3m sinh s\u1ed1ng: Texas so v\u1edbi c\u00e1c ti\u1ec3u bang c\u00f3 thu\u1ebf cao<\/h2>\n<p>Vi\u1ec7c kh\u00f4ng c\u00f3 thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n c\u1ea5p ti\u1ec3u bang khi\u1ebfn Texas tr\u1edf th\u00e0nh m\u1ed9t trong nh\u1eefng \u0111i\u1ec3m \u0111\u1ebfn di c\u01b0 n\u1ed9i \u0111\u1ecba h\u00e0ng \u0111\u1ea7u t\u1ea1i Hoa K\u1ef3. \u0110\u1ec3 hi\u1ec3u r\u00f5 t\u1ea7m quan tr\u1ecdng v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh c\u1ee7a l\u1ee3i th\u1ebf thu\u1ebf \u1edf Texas, h\u00e3y xem x\u00e9t so s\u00e1nh t\u00e0i ch\u00ednh tr\u1ef1c ti\u1ebfp gi\u1eefa n\u0103m ti\u1ec3u bang kinh t\u1ebf l\u1edbn \u0111\u1ed1i v\u1edbi m\u1ed9t nh\u00e2n vi\u00ean c\u00f3 m\u1ee9c l\u01b0\u01a1ng h\u00e0ng n\u0103m l\u00e0... <strong>100.000 \u0111\u00f4 la (Ng\u01b0\u1eddi n\u1ed9p thu\u1ebf \u0111\u1ed9c th\u00e2n)<\/strong>:<\/p>\n<div class=\"tt-table-wrapper\">\n<table class=\"tt-tools-data-table\">\n<thead>\n<tr>\n<th>T\u00ecnh tr\u1ea1ng<\/th>\n<th>T\u1ef7 l\u1ec7 bi\u00ean cao nh\u1ea5t c\u1ee7a ti\u1ec3u bang<\/th>\n<th>Thu\u1ebf ti\u1ec3u bang h\u00e0ng n\u0103m \u01b0\u1edbc t\u00ednh<\/th>\n<th>Thu nh\u1eadp r\u00f2ng h\u00e0ng n\u0103m \u01b0\u1edbc t\u00ednh<\/th>\n<th>Ch\u01b0\u01a1ng tr\u00ecnh Texas Cash Advantage (H\u00e0ng n\u0103m)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Texas (TX)<\/strong><\/td>\n<td><strong>0.00%<\/strong><\/td>\n<td><strong>$0.00<\/strong><\/td>\n<td><strong>$78,214<\/strong><\/td>\n<td><strong>M\u1ee9c c\u01a1 b\u1ea3n (T\u1ef7 l\u1ec7 gi\u1eef l\u1ea1i t\u1ed1i \u0111a)<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>California (CA)<\/strong><\/td>\n<td>13.30%<\/td>\n<td>$6,150<\/td>\n<td>$72,064<\/td>\n<td><strong style=\"color:#16a34a\">+6.150 \u0111\u00f4 la\/n\u0103m t\u1ea1i Texas<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Th\u00e0nh ph\u1ed1 New York (NY + NYC)<\/strong><\/td>\n<td>10,90% (+ 3,8% t\u1ea1i th\u00e0nh ph\u1ed1 New York)<\/td>\n<td>$6,450<\/td>\n<td>$71,764<\/td>\n<td><strong style=\"color:#16a34a\">+6.450 \u0111\u00f4 la\/n\u0103m t\u1ea1i Texas<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>New Jersey (NJ)<\/strong><\/td>\n<td>10.75%<\/td>\n<td>$4,820<\/td>\n<td>$73,394<\/td>\n<td><strong style=\"color:#16a34a\">+4.820 \u0111\u00f4 la\/n\u0103m t\u1ea1i Texas<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Illinois (IL)<\/strong><\/td>\n<td>4,95% (kh\u00f4ng \u0111\u1ed5i)<\/td>\n<td>$4,702<\/td>\n<td>$73,512<\/td>\n<td><strong style=\"color:#16a34a\">+4.702 \u0111\u00f4 la\/n\u0103m t\u1ea1i Texas<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>Trong su\u1ed1t s\u1ef1 nghi\u1ec7p k\u00e9o d\u00e0i 10 n\u0103m, m\u1ed9t nh\u00e2n vi\u00ean ki\u1ebfm \u0111\u01b0\u1ee3c 100.000 \u0111\u00f4 la \u1edf Texas s\u1ebd t\u00edch l\u0169y \u0111\u01b0\u1ee3c h\u01a1n... <strong>Ti\u1ebft ki\u1ec7m th\u00eam 60.000 \u0111\u00f4 la ti\u1ec1n m\u1eb7t r\u00f2ng<\/strong> So v\u1edbi California ho\u1eb7c New York, \u0111\u01a1n gi\u1ea3n ch\u1ec9 l\u00e0 do vi\u1ec7c lo\u1ea1i b\u1ecf kh\u1ea5u tr\u1eeb thu\u1ebf thu nh\u1eadp ti\u1ec3u bang, b\u1ea5t k\u1ec3 l\u00e3i k\u00e9p \u0111\u1ea7u t\u01b0 hay t\u0103ng tr\u01b0\u1edfng ti\u1ec1n l\u01b0\u01a1ng.<\/p>\n<h2>C\u00e1c tr\u01b0\u1eddng h\u1ee3p th\u1ef1c t\u1ebf v\u1ec1 m\u1ee9c l\u01b0\u01a1ng t\u1ea1i Texas<\/h2>\n<h3>Nghi\u00ean c\u1ee9u tr\u01b0\u1eddng h\u1ee3p 1: K\u1ef9 s\u01b0 ph\u1ea7n m\u1ec1m t\u1ea1i Austin Technology (M\u1ee9c l\u01b0\u01a1ng 120.000 \u0111\u00f4 la)<\/h3>\n<p>Marcus l\u00e0 m\u1ed9t k\u1ef9 s\u01b0 ph\u1ea7n m\u1ec1m 28 tu\u1ed5i, hi\u1ec7n \u0111ang s\u1ed1ng t\u1ea1i Austin, v\u1edbi m\u1ee9c l\u01b0\u01a1ng h\u00e0ng n\u0103m l\u00e0... <strong>$120,000<\/strong> \u0110\u01b0\u1ee3c tr\u1ea3 l\u01b0\u01a1ng hai tu\u1ea7n m\u1ed9t l\u1ea7n (26 k\u1ef3 l\u01b0\u01a1ng). Anh \u1ea5y khai thu\u1ebf theo h\u00ecnh th\u1ee9c... <strong>\u0110\u01a1n<\/strong> Tr\u00ean M\u1eabu W-4 v\u1edbi 0 kho\u1ea3n t\u00edn d\u1ee5ng ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c. Marcus \u0111\u00f3ng g\u00f3p <strong>8% (369,23 \u0111\u00f4 la\/l\u1ea7n tr\u1ea3 l\u01b0\u01a1ng)<\/strong> \u0111\u00f3ng g\u00f3p v\u00e0o qu\u1ef9 h\u01b0u tr\u00ed 401(k) c\u1ee7a ch\u1ee7 lao \u0111\u1ed9ng v\u00e0 tr\u1ea3 ti\u1ec1n. <strong>85,00 \u0111\u00f4 la hai tu\u1ea7n m\u1ed9t l\u1ea7n<\/strong> Bao g\u1ed3m b\u1ea3o hi\u1ec3m y t\u1ebf v\u00e0 nha khoa to\u00e0n di\u1ec7n:<\/p>\n<ul>\n<li>T\u1ed5ng l\u01b0\u01a1ng m\u1ed7i k\u1ef3 tr\u1ea3 l\u01b0\u01a1ng hai tu\u1ea7n m\u1ed9t l\u1ea7n: <code>120.000 \u0111\u00f4 la \u00d7 26 = 4.615,38 \u0111\u00f4 la<\/code><\/li>\n<li>C\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb tr\u01b0\u1edbc thu\u1ebf: 401(k) ($369,23) + B\u1ea3o hi\u1ec3m y t\u1ebf ($85,00) = $454,23<\/li>\n<li>M\u1ee9c l\u01b0\u01a1ng ch\u1ecbu thu\u1ebf FIT: $4,615.38 \u00f7 $454.23 = $4,161.15 (t\u01b0\u01a1ng \u0111\u01b0\u01a1ng $108,190 h\u00e0ng n\u0103m)<\/li>\n<li>M\u1ee9c l\u01b0\u01a1ng ch\u1ecbu thu\u1ebf FICA: $4,615.38 \u00d7 $85.00 = $4,530.38<\/li>\n<li>Thu\u1ebf thu nh\u1eadp li\u00ean bang (FIT): 588,42 \u0111\u00f4 la<\/li>\n<li>B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i (6,2%): 280,88 \u0111\u00f4 la<\/li>\n<li>Medicare (1,45%): 65,69 \u0111\u00f4 la<\/li>\n<li>Thu\u1ebf thu nh\u1eadp ti\u1ec3u bang Texas: <strong>$0.00<\/strong><\/li>\n<li><strong>L\u01b0\u01a1ng r\u00f2ng nh\u1eadn \u0111\u01b0\u1ee3c hai tu\u1ea7n m\u1ed9t l\u1ea7n: 3.217,16 \u0111\u00f4 la (69,7% t\u1ed5ng thu nh\u1eadp)<\/strong><\/li>\n<\/ul>\n<h3>Nghi\u00ean c\u1ee9u tr\u01b0\u1eddng h\u1ee3p 2: Y t\u00e1 \u0111i\u1ec1u d\u01b0\u1ee1ng t\u1ea1i Houston Healthcare (T\u00ednh l\u01b0\u01a1ng theo gi\u1edd k\u00e8m l\u00e0m th\u00eam gi\u1edd)<\/h3>\n<p>Elena l\u00e0 m\u1ed9t y t\u00e1 \u0111i\u1ec1u d\u01b0\u1ee1ng t\u1ea1i Trung t\u00e2m Y t\u1ebf Texas \u1edf Houston. M\u1ee9c l\u01b0\u01a1ng c\u01a1 b\u1ea3n c\u1ee7a c\u00f4 \u1ea5y l\u00e0... <strong>42,00 \u0111\u00f4 la m\u1ed7i gi\u1edd<\/strong>v\u00e0 c\u00f4 \u1ea5y trung b\u00ecnh <strong>45 gi\u1edd m\u1ed7i tu\u1ea7n<\/strong> (40 gi\u1edd l\u00e0m vi\u1ec7c ch\u00ednh th\u1ee9c + 5 gi\u1edd l\u00e0m th\u00eam v\u1edbi m\u1ee9c l\u01b0\u01a1ng 63,00 \u0111\u00f4 la\/gi\u1edd). Elena l\u00e0 <strong>V\u1ee3 ch\u1ed3ng khai thu\u1ebf chung<\/strong>tuy\u00ean b\u1ed1 <strong>hai tr\u1ebb em \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n d\u01b0\u1edbi 17 tu\u1ed5i (kho\u1ea3n t\u00edn d\u1ee5ng 4.000 \u0111\u00f4 la)<\/strong>\u0111\u00f3ng g\u00f3p <strong>5% v\u00e0o qu\u1ef9 403(b) c\u1ee7a c\u00f4 \u1ea5y<\/strong>v\u00e0 tr\u1ea3 ti\u1ec1n <strong>150 \u0111\u00f4 la hai tu\u1ea7n m\u1ed9t l\u1ea7n<\/strong> B\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe gia \u0111\u00ecnh:<\/p>\n<ul>\n<li>Thu nh\u1eadp \u0111\u1ecbnh k\u1ef3 hai tu\u1ea7n m\u1ed9t l\u1ea7n (80 gi\u1edd x 42,00 \u0111\u00f4 la): 3.360,00 \u0111\u00f4 la<\/li>\n<li>Thu nh\u1eadp l\u00e0m th\u00eam gi\u1edd (10 gi\u1edd x 63,00 \u0111\u00f4 la): 630,00 \u0111\u00f4 la<\/li>\n<li>T\u1ed5ng thu nh\u1eadp g\u1ed9p hai tu\u1ea7n m\u1ed9t l\u1ea7n: 3.990,00 \u0111\u00f4 la (t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 103.740 \u0111\u00f4 la m\u1ed9t n\u0103m)<\/li>\n<li>C\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb tr\u01b0\u1edbc thu\u1ebf: 403(b) ($199,50) + B\u1ea3o hi\u1ec3m y t\u1ebf ($150,00) = $349,50<\/li>\n<li>M\u1ee9c l\u01b0\u01a1ng ch\u1ecbu thu\u1ebf FICA: $3,990.00 \u00d7 $150.00 = $3,840.00<\/li>\n<li>Thu\u1ebf thu nh\u1eadp li\u00ean bang (FIT, sau khi tr\u1eeb kho\u1ea3n t\u00edn d\u1ee5ng thu\u1ebf tr\u1ebb em 4.000 \u0111\u00f4 la): 118,25 \u0111\u00f4 la<\/li>\n<li>B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i (6,2%): 238,08 \u0111\u00f4 la<\/li>\n<li>Medicare (1,45%): 55,68 \u0111\u00f4 la<\/li>\n<li>Thu\u1ebf thu nh\u1eadp ti\u1ec3u bang Texas: <strong>$0.00<\/strong><\/li>\n<li><strong>L\u01b0\u01a1ng r\u00f2ng nh\u1eadn \u0111\u01b0\u1ee3c hai tu\u1ea7n m\u1ed9t l\u1ea7n: 3.028,99 \u0111\u00f4 la (75,9% t\u1ed5ng thu nh\u1eadp)<\/strong><\/li>\n<\/ul>\n<h3>Nghi\u00ean c\u1ee9u tr\u01b0\u1eddng h\u1ee3p 3: Qu\u1ea3n l\u00fd v\u1eadn h\u00e0nh doanh nghi\u1ec7p t\u1ea1i Dallas (M\u1ee9c l\u01b0\u01a1ng 85.000 \u0111\u00f4 la)<\/h3>\n<p>David l\u00e0 qu\u1ea3n l\u00fd \u0111i\u1ec1u h\u00e0nh doanh nghi\u1ec7p t\u1ea1i Dallas, thu nh\u1eadp c\u1ee7a anh \u1ea5y l\u00e0... <strong>85.000 \u0111\u00f4 la m\u1ed7i n\u0103m<\/strong> theo l\u1ecbch tr\u1ea3 l\u01b0\u01a1ng n\u1eeda th\u00e1ng m\u1ed9t l\u1ea7n (24 k\u1ef3 l\u01b0\u01a1ng). Anh \u1ea5y khai thu\u1ebf nh\u01b0 sau: <strong>Ch\u1ee7 h\u1ed9<\/strong> v\u1edbi <strong>m\u1ed9t tr\u1ebb em (kho\u1ea3n t\u00edn d\u1ee5ng 2.000 \u0111\u00f4 la)<\/strong>\u0111\u00f3ng g\u00f3p <strong>6% ($212.50)<\/strong> v\u00e0o qu\u1ef9 h\u01b0u tr\u00ed 401(k) truy\u1ec1n th\u1ed1ng c\u1ee7a m\u00ecnh v\u00e0 \u0111\u00f3ng g\u00f3p t\u1ed1i \u0111a v\u00e0o T\u00e0i kho\u1ea3n Ti\u1ebft ki\u1ec7m Y t\u1ebf (HSA) \u1edf m\u1ee9c <strong>175,00 \u0111\u00f4 la m\u1ed7i k\u1ef3 l\u01b0\u01a1ng<\/strong>:<\/p>\n<ul>\n<li>T\u1ed5ng l\u01b0\u01a1ng m\u1ed7i k\u1ef3 tr\u1ea3 l\u01b0\u01a1ng n\u1eeda th\u00e1ng: <code>85.000 \u0111\u00f4 la \u00d7 24 = 3.541,67 \u0111\u00f4 la<\/code><\/li>\n<li>C\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb tr\u01b0\u1edbc thu\u1ebf: 401(k) ($212,50) + HSA ($175,00) = $387,50<\/li>\n<li>M\u1ee9c l\u01b0\u01a1ng ch\u1ecbu thu\u1ebf FICA: $3,541.67 \u00d7 $175.00 = $3,366.67<\/li>\n<li>Thu\u1ebf thu nh\u1eadp li\u00ean bang (FIT, sau khi tr\u1eeb kho\u1ea3n gi\u1ea3m tr\u1eeb cho con): 214,30 \u0111\u00f4 la<\/li>\n<li>B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i (6,2%): 208,73 \u0111\u00f4 la<\/li>\n<li>Medicare (1,45%): 48,82 \u0111\u00f4 la<\/li>\n<li>Thu\u1ebf thu nh\u1eadp ti\u1ec3u bang Texas: <strong>$0.00<\/strong><\/li>\n<li><strong>L\u01b0\u01a1ng r\u00f2ng nh\u1eadn \u0111\u01b0\u1ee3c m\u1ed7i n\u1eeda th\u00e1ng: 2.682,32 \u0111\u00f4 la (75,7% t\u1ed5ng thu nh\u1eadp)<\/strong><\/li>\n<\/ul>\n<p>B\u1eb1ng c\u00e1ch t\u1eadn d\u1ee5ng c\u00e1c chuy\u00ean m\u00f4n \u0111\u1eb7c bi\u1ec7t c\u1ee7a ch\u00fang t\u00f4i <strong>M\u00e1y t\u00ednh t\u00ednh l\u01b0\u01a1ng \u1edf Texas<\/strong>Nh\u1edd \u0111\u00f3, ng\u01b0\u1eddi lao \u0111\u1ed9ng v\u00e0 ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng tr\u00ean to\u00e0n ti\u1ec3u bang c\u00f3 th\u1ec3 m\u00f4 ph\u1ecfng ch\u00ednh x\u00e1c c\u00e1c k\u1ecbch b\u1ea3n phi\u1ebfu l\u01b0\u01a1ng, ki\u1ec3m tra vi\u1ec7c kh\u1ea5u tr\u1eeb thu\u1ebf \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh v\u00e0 \u0111\u01b0a ra c\u00e1c l\u1ef1a ch\u1ecdn t\u00e0i ch\u00ednh s\u00e1ng su\u1ed1t v\u1edbi s\u1ef1 minh b\u1ea1ch ho\u00e0n to\u00e0n.<\/p>\n<p style=\"margin: 20px 0;background: #f0f7ff;border-left: 4px solid #3083DC;padding: 14px 18px;border-radius: 6px\"><strong>Related Financial Tools:<\/strong> If you work variable hourly shifts or need to calculate overtime hours prior to taxes, use our <a href=\"https:\/\/toolstecique.com\/vi\/hours-worked-calculator\/\" style=\"color:#3083DC;text-decoration:none;font-weight:600\">Hours Worked Calculator<\/a>. To plan your post-tax food and household spending, utilize our <a href=\"https:\/\/toolstecique.com\/vi\/grocery-budget-calculator\/\" style=\"color:#3083DC;text-decoration:none;font-weight:600\">M\u00e1y t\u00ednh ng\u00e2n s\u00e1ch mua s\u1eafm th\u1ef1c ph\u1ea9m<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"<p>T\u00ednh to\u00e1n ch\u00ednh x\u00e1c thu nh\u1eadp r\u00f2ng c\u1ee7a b\u1ea1n sau thu\u1ebf v\u1edbi C\u00f4ng c\u1ee5 t\u00ednh l\u01b0\u01a1ng mi\u1ec5n ph\u00ed c\u1ee7a ch\u00fang t\u00f4i d\u00e0nh cho Texas. T\u00ednh \u0111\u1ebfn thu\u1ebf thu nh\u1eadp li\u00ean bang, FICA, c\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb 401(k) v\u00e0 so s\u00e1nh v\u1edbi m\u1ee9c ti\u1ebft ki\u1ec7m thu\u1ebf ti\u1ec3u bang 0% c\u1ee7a Texas.<\/p>","protected":false},"featured_media":0,"menu_order":0,"template":"tools\/template-tool.php","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-3119","finance_tool","type-finance_tool","status-publish","hentry"],"acf":{},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.9 (Yoast SEO v28.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Paycheck Calculator Texas | Free Texas Take-Home Pay Tool<\/title>\n<meta name=\"description\" content=\"Calculate your take-home pay with our free Paycheck Calculator Texas. Factor in federal income tax, FICA, pre-tax deductions, and the Texas 0% state tax advantage.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/toolstecique.com\/vi\/paycheck-calculator-texas\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Paycheck Calculator Texas\" \/>\n<meta property=\"og:description\" content=\"Calculate your take-home pay with our free Paycheck Calculator Texas. Factor in federal income tax, FICA, pre-tax deductions, and the Texas 0% state tax advantage.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/toolstecique.com\/vi\/paycheck-calculator-texas\/\" \/>\n<meta property=\"og:site_name\" content=\"Tools Tecique\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-15T11:00:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/toolstecique.com\/wp-content\/themes\/astra-child\/tools\/assets\/paycheck-calculator-texas.webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data1\" content=\"15 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/toolstecique.com\\\/paycheck-calculator-texas\\\/\",\"url\":\"https:\\\/\\\/toolstecique.com\\\/paycheck-calculator-texas\\\/\",\"name\":\"Paycheck Calculator Texas | Free Texas Take-Home Pay Tool\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/toolstecique.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/toolstecique.com\\\/paycheck-calculator-texas\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/toolstecique.com\\\/paycheck-calculator-texas\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/toolstecique.com\\\/wp-content\\\/themes\\\/astra-child\\\/tools\\\/assets\\\/paycheck-calculator-texas.webp\",\"datePublished\":\"2026-10-15T08:20:02+00:00\",\"dateModified\":\"2026-10-15T11:00:35+00:00\",\"description\":\"Calculate your take-home pay with our free Paycheck Calculator Texas. 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