我老随便算了一下，聚聚税改给40万收入的双职工一年省了8w6

[赖美豪中]

To compare the taxes under the 2017 tax system and the Tax Cuts and Jobs Act (TCJA) of 2018 for a married couple with a pre-tax income of $400,000 (40w), we will focus on the key differences in tax brackets, standard deductions, and exemptions between the two systems.

Key Changes in 2018 (TCJA):
Tax Brackets:

2017: 7 tax brackets, with the highest rate of 39.6% for incomes above $470,700 (married filing jointly).
2018 (TCJA): 7 tax brackets, with the highest rate of 37% for incomes above $600,000 (married filing jointly).
Standard Deduction:

2017: $12,700 for married filing jointly.
2018 (TCJA): $24,000 for married filing jointly (doubled).
Personal Exemptions:

2017: $4,050 per person (so $8,100 for a married couple).
2018 (TCJA): Personal exemptions were eliminated.
State and Local Tax (SALT) Deduction:

2017: Allowed unlimited deductions for state and local taxes.
2018 (TCJA): Capped SALT deductions at $10,000.
Child Tax Credit:

2017: $1,000 per child (phased out for higher incomes).
2018 (TCJA): Increased to $2,000 per child (higher phase-out limits).
Let's calculate and compare the approximate tax liability for a married couple with a $400,000 income under both tax systems.

1. 2017 Tax Liability:
Income: $400,000
Standard Deduction: $12,700
Personal Exemptions: $8,100 (for two people)
Taxable Income: $400,000 - $12,700 - $8,100 = $379,200
Using 2017 tax brackets:

Up to $18,650 taxed at 10% = $1,865
$18,650 to $75,900 taxed at 15% = $8,580
$75,900 to $153,100 taxed at 25% = $19,800
$153,100 to $233,350 taxed at 28% = $22,485
$233,350 to $416,700 taxed at 33% = $60,462
Remaining amount taxed at 35% ($379,200 - $416,700 = $162,500): $56,875
Total 2017 Tax Liability: $1,865 + $8,580 + $19,800 + $22,485 + $60,462 + $56,875 = $170,067

2. 2018 (TCJA) Tax Liability:
Income: $400,000
Standard Deduction: $24,000
Taxable Income: $400,000 - $24,000 = $376,000
Using 2018 tax brackets:

Up to $19,050 taxed at 10% = $1,905
$19,050 to $77,400 taxed at 12% = $7,008
$77,400 to $165,000 taxed at 22% = $19,266
$165,000 to $315,000 taxed at 24% = $36,000
Remaining amount taxed at 32% ($376,000 - $315,000 = $61,000): $19,520
Total 2018 (TCJA) Tax Liability: $1,905 + $7,008 + $19,266 + $36,000 + $19,520 = $83,699

Summary of Tax Liability:
2017 Tax Liability: $170,067
2018 (TCJA) Tax Liability: $83,699
Difference: The couple would save approximately $86,368 in taxes under the TCJA (2018) compared to 2017.
This comparison highlights that the TCJA generally reduced tax liability for higher-income earners by lowering tax rates and increasing standard deductions, though it eliminated personal exemptions and capped certain deductions like SALT.

[赖美豪中]

40万年薪双职工也算富人么？
quote=赖美豪中 post_id=4325260 time=1729444845 user_id=4030]
To compare the taxes under the 2017 tax system and the Tax Cuts and Jobs Act (TCJA) of 2018 for a married couple with a pre-tax income of $400,000 (40w), we will focus on the key differences in tax brackets, standard deductions, and exemptions between the two systems.

Key Changes in 2018 (TCJA):
Tax Brackets:

2017: 7 tax brackets, with the highest rate of 39.6% for incomes above $470,700 (married filing jointly).
2018 (TCJA): 7 tax brackets, with the highest rate of 37% for incomes above $600,000 (married filing jointly).
Standard Deduction:

2017: $12,700 for married filing jointly.
2018 (TCJA): $24,000 for married filing jointly (doubled).
Personal Exemptions:

2017: $4,050 per person (so $8,100 for a married couple).
2018 (TCJA): Personal exemptions were eliminated.
State and Local Tax (SALT) Deduction:

2017: Allowed unlimited deductions for state and local taxes.
2018 (TCJA): Capped SALT deductions at $10,000.
Child Tax Credit:

2017: $1,000 per child (phased out for higher incomes).
2018 (TCJA): Increased to $2,000 per child (higher phase-out limits).
Let's calculate and compare the approximate tax liability for a married couple with a $400,000 income under both tax systems.

1. 2017 Tax Liability:
Income: $400,000
Standard Deduction: $12,700
Personal Exemptions: $8,100 (for two people)
Taxable Income: $400,000 - $12,700 - $8,100 = $379,200
Using 2017 tax brackets:

Up to $18,650 taxed at 10% = $1,865
$18,650 to $75,900 taxed at 15% = $8,580
$75,900 to $153,100 taxed at 25% = $19,800
$153,100 to $233,350 taxed at 28% = $22,485
$233,350 to $416,700 taxed at 33% = $60,462
Remaining amount taxed at 35% ($379,200 - $416,700 = $162,500): $56,875
Total 2017 Tax Liability: $1,865 + $8,580 + $19,800 + $22,485 + $60,462 + $56,875 = $170,067

2. 2018 (TCJA) Tax Liability:
Income: $400,000
Standard Deduction: $24,000
Taxable Income: $400,000 - $24,000 = $376,000
Using 2018 tax brackets:

Up to $19,050 taxed at 10% = $1,905
$19,050 to $77,400 taxed at 12% = $7,008
$77,400 to $165,000 taxed at 22% = $19,266
$165,000 to $315,000 taxed at 24% = $36,000
Remaining amount taxed at 32% ($376,000 - $315,000 = $61,000): $19,520
Total 2018 (TCJA) Tax Liability: $1,905 + $7,008 + $19,266 + $36,000 + $19,520 = $83,699

Summary of Tax Liability:
2017 Tax Liability: $170,067
2018 (TCJA) Tax Liability: $83,699
Difference: The couple would save approximately $86,368 in taxes under the TCJA (2018) compared to 2017.
This comparison highlights that the TCJA generally reduced tax liability for higher-income earners by lowering tax rates and increasing standard deductions, though it eliminated personal exemptions and capped certain deductions like SALT.
[/quote]

[iMaJia]

To compare the taxes under the 2017 tax system and the Tax Cuts and Jobs Act (TCJA) of 2018 for a married couple with a pre-tax income of $400,000 (40w), we will focus on the key differences in tax brackets, standard deductions, and exemptions between the two systems.

Key Changes in 2018 (TCJA):
Tax Brackets:

2017: 7 tax brackets, with the highest rate of 39.6% for incomes above $470,700 (married filing jointly).
2018 (TCJA): 7 tax brackets, with the highest rate of 37% for incomes above $600,000 (married filing jointly).
Standard Deduction:

2017: $12,700 for married filing jointly.
2018 (TCJA): $24,000 for married filing jointly (doubled).
Personal Exemptions:

2017: $4,050 per person (so $8,100 for a married couple).
2018 (TCJA): Personal exemptions were eliminated.
State and Local Tax (SALT) Deduction:

2017: Allowed unlimited deductions for state and local taxes.
2018 (TCJA): Capped SALT deductions at $10,000.
Child Tax Credit:

2017: $1,000 per child (phased out for higher incomes).
2018 (TCJA): Increased to $2,000 per child (higher phase-out limits).
Let's calculate and compare the approximate tax liability for a married couple with a $400,000 income under both tax systems.

1. 2017 Tax Liability:
Income: $400,000
Standard Deduction: $12,700
Personal Exemptions: $8,100 (for two people)
Taxable Income: $400,000 - $12,700 - $8,100 = $379,200
Using 2017 tax brackets:

Up to $18,650 taxed at 10% = $1,865
$18,650 to $75,900 taxed at 15% = $8,580
$75,900 to $153,100 taxed at 25% = $19,800
$153,100 to $233,350 taxed at 28% = $22,485
$233,350 to $416,700 taxed at 33% = $60,462
Remaining amount taxed at 35% ($379,200 - $416,700 = $162,500): $56,875
Total 2017 Tax Liability: $1,865 + $8,580 + $19,800 + $22,485 + $60,462 + $56,875 = $170,067

2. 2018 (TCJA) Tax Liability:
Income: $400,000
Standard Deduction: $24,000
Taxable Income: $400,000 - $24,000 = $376,000
Using 2018 tax brackets:

Up to $19,050 taxed at 10% = $1,905
$19,050 to $77,400 taxed at 12% = $7,008
$77,400 to $165,000 taxed at 22% = $19,266
$165,000 to $315,000 taxed at 24% = $36,000
Remaining amount taxed at 32% ($376,000 - $315,000 = $61,000): $19,520
Total 2018 (TCJA) Tax Liability: $1,905 + $7,008 + $19,266 + $36,000 + $19,520 = $83,699

Summary of Tax Liability:
2017 Tax Liability: $170,067
2018 (TCJA) Tax Liability: $83,699
Difference: The couple would save approximately $86,368 in taxes under the TCJA (2018) compared to 2017.
This comparison highlights that the TCJA generally reduced tax liability for higher-income earners by lowering tax rates and increasing standard deductions, though it eliminated personal exemptions and capped certain deductions like SALT.

TCJA 是不是就是我看到的短期減稅？

是不是川普要變長期，哈里斯會讓它過期？

[7H12$F+vu]

不算关税，不算房产税了？给富人减税的钱都是天上掉下来的？

[赖美豪中]

yes, 很多人根本不懂tjca给普通工薪阶层的好处，我这个例子就是你不能itemized的最简单例子. tjca两大亮点，是美国税法改革上唯一一次鼓励为家庭努力工作，鼓励工薪阶层的税法改革
1. remove marriage penalty
2. remove ridiculous AMT calculation

TCJA 是不是就是我看到的短期減稅？

是不是川普要變長期，哈里斯會讓它過期？

[赖美豪中]

什么房产税？40万收入基本正好完美hit AMT, 一分钱地产税你也减不了啊

不算关税，不算房产税了？给富人减税的钱都是天上掉下来的？

[Narcotics07]

40万 税改之前一般trigger amt, 没省多少，豪美估计以前收入就没有hit amt

[赖美豪中]

？笑尿了，你自己看看自己在说什么？我就是2017年前hit amt啊，一毛也省不了，只有聚聚这个remove了amt啊

40万 税改之前一般trigger amt, 没省多少，豪美估计以前收入就没有hit amt

[7H12$F+vu]

我并不反对给富人减税，但这个减税得有用，得转化为真正的工作机会，因为给富人减税的钱不是天上掉下来的，都是纳税人的钱，本质上跟给花街的几万亿是一样的。不能富人拿了钱揣兜里，继续炒房子炒股票去发财。

公司扩张是会带来更多工作，但很可惜公司扩张的动力并不是少交税，而是销售的上升。没有销量，就没有哪家公司会扩大生产，没人会生产卖不出去的产品。这是最简单不过的事实，所以经济常识是拉动增长的是消费，你得给大众减工资税，让大家消费更多，而不是给公司省钱。如果东西卖不出去，那没有哪个公司会扩张，他们相反还会裁员，然后把省下的税钱揣兜里。

[CellcycleBa]

那谁的税要多交？哪个收入层？

[7H12$F+vu]

他只算“减”的，就当钱是天上掉下来的。但交税并不是只有所得税一个，其他的他就不说了。凡是拿工资的，谁真的交税少了？这些年都是开支越来越多。

[luego]

这个有一说一，床铺确实为中下收入者省税了。

[7H12$F+vu]

这个实话实说，给富人减税，这钱必然是中产出，因为总盘子就在那里，富人交的少了，穷人又没钱交税，你说这钱从哪来？总不能从天上往下掉吧？光算所得税太弱智了，朝三暮四，或者朝四暮三，还不都是一样？这些年哪家不是支出越来越多？

[cng]

你和狸貓把自己的稅單貼出來給大家看看？

[luego]

这个实话实说，给富人减税，这钱必然是中产出，因为总盘子就在那里，富人交的少了，穷人又没钱交税，你说这钱从哪来？总不能从天上往下掉吧？光算所得税太弱智了，朝三暮四，或者朝四暮三，还不都是一样？这些年哪家不是支出越来越多？

实际上大家的税都少了。但是政府赤字增加了。

[iMaJia]

实际上大家的税都少了。但是政府赤字增加了。

少貪污些高鐵，流浪漢，烏克蘭，充電樁，網絡，等等等等的錢，應該能減少赤字不少

[Sunland]

你这个是用 AI 算的吗？下面两行怎么算出来的？

$233,350 to $416,700 taxed at 33% = $60,462
Remaining amount taxed at 35% ($379,200 - $416,700 = $162,500): $56,875

40万年薪双职工也算富人么？
quote=赖美豪中 post_id=4325260 time=1729444845 user_id=4030]
To compare the taxes under the 2017 tax system and the Tax Cuts and Jobs Act (TCJA) of 2018 for a married couple with a pre-tax income of $400,000 (40w), we will focus on the key differences in tax brackets, standard deductions, and exemptions between the two systems.

Key Changes in 2018 (TCJA):
Tax Brackets:

2017: 7 tax brackets, with the highest rate of 39.6% for incomes above $470,700 (married filing jointly).
2018 (TCJA): 7 tax brackets, with the highest rate of 37% for incomes above $600,000 (married filing jointly).
Standard Deduction:

2017: $12,700 for married filing jointly.
2018 (TCJA): $24,000 for married filing jointly (doubled).
Personal Exemptions:

2017: $4,050 per person (so $8,100 for a married couple).
2018 (TCJA): Personal exemptions were eliminated.
State and Local Tax (SALT) Deduction:

2017: Allowed unlimited deductions for state and local taxes.
2018 (TCJA): Capped SALT deductions at $10,000.
Child Tax Credit:

2017: $1,000 per child (phased out for higher incomes).
2018 (TCJA): Increased to $2,000 per child (higher phase-out limits).
Let's calculate and compare the approximate tax liability for a married couple with a $400,000 income under both tax systems.

1. 2017 Tax Liability:
Income: $400,000
Standard Deduction: $12,700
Personal Exemptions: $8,100 (for two people)
Taxable Income: $400,000 - $12,700 - $8,100 = $379,200
Using 2017 tax brackets:

Up to $18,650 taxed at 10% = $1,865
$18,650 to $75,900 taxed at 15% = $8,580
$75,900 to $153,100 taxed at 25% = $19,800
$153,100 to $233,350 taxed at 28% = $22,485
$233,350 to $416,700 taxed at 33% = $60,462
Remaining amount taxed at 35% ($379,200 - $416,700 = $162,500): $56,875
Total 2017 Tax Liability: $1,865 + $8,580 + $19,800 + $22,485 + $60,462 + $56,875 = $170,067

2. 2018 (TCJA) Tax Liability:
Income: $400,000
Standard Deduction: $24,000
Taxable Income: $400,000 - $24,000 = $376,000
Using 2018 tax brackets:

Up to $19,050 taxed at 10% = $1,905
$19,050 to $77,400 taxed at 12% = $7,008
$77,400 to $165,000 taxed at 22% = $19,266
$165,000 to $315,000 taxed at 24% = $36,000
Remaining amount taxed at 32% ($376,000 - $315,000 = $61,000): $19,520
Total 2018 (TCJA) Tax Liability: $1,905 + $7,008 + $19,266 + $36,000 + $19,520 = $83,699

Summary of Tax Liability:
2017 Tax Liability: $170,067
2018 (TCJA) Tax Liability: $83,699
Difference: The couple would save approximately $86,368 in taxes under the TCJA (2018) compared to 2017.
This comparison highlights that the TCJA generally reduced tax liability for higher-income earners by lowering tax rates and increasing standard deductions, though it eliminated personal exemptions and capped certain deductions like SALT.

[/quote]

[7H12$F+vu]

实际上大家的税都少了。但是政府赤字增加了。

政府的收入来自纳税人，政府赤字是向纳税人借钱，就是未来的税收。这些未来的钱增大了现在的货币总量，就会导致现在的货币贬值，就是物价上涨。所以用纳税人一边出钱给富人减税，一边承受物价上涨，这些年谁家不是开支不断提高？房产税涨了多少？这还省钱了？我宁愿不省这个税钱。

[7H12$F+vu]

少貪污些高鐵，流浪漢，烏克蘭，充電樁，網絡，等等等等的錢，應該能減少赤字不少

两党都在增加赤字，在我看来都是左派。蘑菇头给富人减税增加的赤字更多，更左。

[Jack12345]

少貪污些高鐵，流浪漢，烏克蘭，充電樁，網絡，等等等等的錢，應該能減少赤字不少

美国的问题 不是政府开支大，而是富人逃税

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