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State Income Tax Return Forms

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State Income Tax Return Forms

State income tax return forms 4. State income tax return forms   Retirement Savings Contributions Credit (Saver's Credit) Table of Contents What's New Introduction Full-time student. State income tax return forms Adjusted gross income. State income tax return forms Distributions received by spouse. State income tax return forms Testing period. State income tax return forms What's New Modified AGI limit for retirement savings contributions credit increased. State income tax return forms  For 2013, you may be able to claim the retirement savings contributions credit if your modified AGI is not more than: $59,000 if your filing status is married filing jointly, $44,250 if your filing status is head of household, or $29,500 if your filing status is single, married filing separately, or qualifying widow(er). State income tax return forms Introduction You may be able to take a tax credit if you make eligible contributions (defined later) to a qualified retirement plan, an eligible deferred compensation plan, or an individual retirement arrangement (IRA). State income tax return forms You may be able to take a credit of up to $1,000 (up to $2,000 if filing jointly). State income tax return forms This credit could reduce the federal income tax you pay dollar for dollar. State income tax return forms    Can you claim the credit?   If you make eligible contributions to a qualified retirement plan, an eligible deferred compensation plan, or an IRA, you can claim the credit if all of the following apply. State income tax return forms You were born before January 2, 1996. State income tax return forms You are not a full-time student (explained next). State income tax return forms No one else, such as your parent(s), claims an exemption for you on their tax return. State income tax return forms Your adjusted gross income (defined below) is not more than: $59,000 if your filing status is married filing jointly, $44,250 if your filing status is head of household, or $29,500 if your filing status is single, married filing separately, or qualifying widow(er). State income tax return forms Full-time student. State income tax return forms   You are a full-time student if, during some part of each of 5 calendar months (not necessarily consecutive) during the calendar year, you are either: A full-time student at a school that has a regular teaching staff, course of study, and regularly enrolled body of students in attendance, or A student taking a full-time, on-farm training course given by either a school that has a regular teaching staff, course of study, and regularly enrolled body of students in attendance, or a state, county, or local government. State income tax return forms You are a full-time student if you are enrolled for the number of hours or courses the school considers to be full time. State income tax return forms Adjusted gross income. State income tax return forms   This is generally the amount on line 38 of your 2013 Form 1040; line 22 of your 2013 Form 1040A; or line 37 of your 2013 Form 1040NR. State income tax return forms However, you must add to that amount any exclusion or deduction claimed for the year for: Foreign earned income, Foreign housing costs, Income for bona fide residents of American Samoa, and Income from Puerto Rico. State income tax return forms Eligible contributions. State income tax return forms   These include: Contributions to a traditional or Roth IRA, Salary reduction contributions (elective deferrals, including amounts designated as after-tax Roth contributions) to: A 401(k) plan (including a SIMPLE 401(k)), A section 403(b) annuity, An eligible deferred compensation plan of a state or local government (a governmental 457 plan), A SIMPLE IRA plan, or A salary reduction SEP, and Contributions to a section 501(c)(18) plan. State income tax return forms They also include voluntary after-tax employee contributions to a tax-qualified retirement plan or section 403(b) annuity. State income tax return forms For purposes of the credit, an employee contribution will be voluntary as long as it is not required as a condition of employment. State income tax return forms Reducing eligible contributions. State income tax return forms   Reduce your eligible contributions (but not below zero) by the total distributions you received during the testing period (defined later) from any IRA, plan, or annuity included above under Eligible contributions. State income tax return forms Also reduce your eligible contributions by any distribution from a Roth IRA that is not rolled over, even if the distribution is not taxable. State income tax return forms   Do not reduce your eligible contributions by any of the following. State income tax return forms The portion of any distribution which is not includible in income because it is a trustee-to-trustee transfer or a rollover distribution. State income tax return forms Distributions that are taxable as the result of an in-plan rollover to your designated Roth account. State income tax return forms Any distribution that is a return of a contribution to an IRA (including a Roth IRA) made during the year for which you claim the credit if: The distribution is made before the due date (including extensions) of your tax return for that year, You do not take a deduction for the contribution, and The distribution includes any income attributable to the contribution. State income tax return forms Loans from a qualified employer plan treated as a distribution. State income tax return forms Distributions of excess contributions or deferrals (and income attributable to excess contributions and deferrals). State income tax return forms Distributions of dividends paid on stock held by an employee stock ownership plan under section 404(k). State income tax return forms Distributions from an eligible retirement plan that are converted or rolled over to a Roth IRA. State income tax return forms Distributions from a military retirement plan. State income tax return forms Distributions from an inherited IRA by a nonspousal beneficiary. State income tax return forms Distributions received by spouse. State income tax return forms   Any distributions your spouse receives are treated as received by you if you file a joint return with your spouse both for the year of the distribution and for the year for which you claim the credit. State income tax return forms Testing period. State income tax return forms   The testing period consists of the year for which you claim the credit, the period after the end of that year and before the due date (including extensions) for filing your return for that year, and the 2 tax years before that year. State income tax return forms Example. State income tax return forms You and your spouse filed joint returns in 2011 and 2012, and plan to do so in 2013 and 2014. State income tax return forms You received a taxable distribution from a qualified plan in 2011 and a taxable distribution from an eligible deferred compensation plan in 2012. State income tax return forms Your spouse received taxable distributions from a Roth IRA in 2013 and tax-free distributions from a Roth IRA in 2014 before April 15. State income tax return forms You made eligible contributions to an IRA in 2013 and you otherwise qualify for this credit. State income tax return forms You must reduce the amount of your qualifying contributions in 2013 by the total of the distributions you received in 2011, 2012, 2013, and 2014. State income tax return forms Maximum eligible contributions. State income tax return forms   After your contributions are reduced, the maximum annual contribution on which you can base the credit is $2,000 per person. State income tax return forms Effect on other credits. State income tax return forms   The amount of this credit will not change the amount of your refundable tax credits. State income tax return forms A refundable tax credit, such as the earned income credit or the refundable amount of your child tax credit, is an amount that you would receive as a refund even if you did not otherwise owe any taxes. State income tax return forms Maximum credit. State income tax return forms   This is a nonrefundable credit. State income tax return forms The amount of the credit in any year cannot be more than the amount of tax that you would otherwise pay (not counting any refundable credits) in any year. State income tax return forms If your tax liability is reduced to zero because of other nonrefundable credits, such as the credit for child and dependent care expenses, then you will not be entitled to this credit. State income tax return forms How to figure and report the credit. State income tax return forms   The amount of the credit you can get is based on the contributions you make and your credit rate. State income tax return forms Your credit rate can be as low as 10% or as high as 50%. State income tax return forms Your credit rate depends on your income and your filing status. State income tax return forms See Form 8880 to determine your credit rate. State income tax return forms   The maximum contribution taken into account is $2,000 per person. State income tax return forms On a joint return, up to $2,000 is taken into account for each spouse. State income tax return forms   Figure the credit on Form 8880. State income tax return forms Report the credit on line 50 of your Form 1040; line 32 of your Form 1040A; or line 47 of your Form 1040NR and attach Form 8880 to your return. State income tax return forms Prev  Up  Next   Home   More Online Publications
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The State Income Tax Return Forms

State income tax return forms Publication 590 - Introductory Material Table of Contents What's New for 2013 What's New for 2014 Reminders IntroductionOrdering forms and publications. State income tax return forms Tax questions. State income tax return forms Useful Items - You may want to see: Note. State income tax return forms After 2013, Publication 590 will be split into two separate publications as follows. State income tax return forms Publication 590-A, will focus on contributions to traditional IRAs as well as Roth IRAs. State income tax return forms This publication will include the rules for rollover and conversion contributions. State income tax return forms Publication 590-B, will focus on distributions from traditional IRAs as well as Roth IRAs. State income tax return forms This publication will include the rules for required minimum distributions and IRA beneficiaries. State income tax return forms What's New for 2013 Traditional IRA contribution and deduction limit. State income tax return forms  The contribution limit to your traditional IRA for 2013 will be increased to the smaller of the following amounts: $5,500, or Your taxable compensation for the year. State income tax return forms If you were age 50 or older before 2014, the most that can be contributed to your traditional IRA for 2013 will be the smaller of the following amounts: $6,500, or Your taxable compensation for the year. State income tax return forms For more information, see How Much Can Be Contributed? in chapter 1. State income tax return forms Roth IRA contribution limit. State income tax return forms  If contributions on your behalf are made only to Roth IRAs, your contribution limit for 2013 will generally be the lesser of: $5,500, or Your taxable compensation for the year. State income tax return forms If you were age 50 or older before 2014 and contributions on your behalf were made only to Roth IRAs, your contribution limit for 2013 will generally be the lesser of: $6,500, or Your taxable compensation for the year. State income tax return forms However, if your modified adjusted gross income (AGI) is above a certain amount, your contribution limit may be reduced. State income tax return forms For more information, see How Much Can Be Contributed? under Can You Contribute to a Roth IRA? in chapter 2. State income tax return forms Modified AGI limit for traditional IRA contributions increased. State income tax return forms  For 2013, if you were covered by a retirement plan at work, your deduction for contributions to a traditional IRA is reduced (phased out) if your modified AGI is: More than $95,000 but less than $115,000 for a married couple filing a joint return or a qualifying widow(er), More than $59,000 but less than $69,000 for a single individual or head of household, or Less than $10,000 for a married individual filing a separate return. State income tax return forms If you either lived with your spouse or file a joint return, and your spouse was covered by a retirement plan at work, but you were not, your deduction is phased out if your modified AGI is more than $178,000 but less than $188,000. State income tax return forms If your modified AGI is $188,000 or more, you cannot take a deduction for contributions to a traditional IRA. State income tax return forms See How Much Can You Deduct? in chapter 1. State income tax return forms Modified AGI limit for Roth IRA contributions increased. State income tax return forms  For 2013, your Roth IRA contribution limit is reduced (phased out) in the following situations. State income tax return forms Your filing status is married filing jointly or qualifying widow(er) and your modified AGI is at least $178,000. State income tax return forms You cannot make a Roth IRA contribution if your modified AGI is $188,000 or more. State income tax return forms Your filing status is single, head of household, or married filing separately and you did not live with your spouse at any time in 2013 and your modified AGI is at least $112,000. State income tax return forms You cannot make a Roth IRA contribution if your modified AGI is $127,000 or more. State income tax return forms Your filing status is married filing separately, you lived with your spouse at any time during the year, and your modified AGI is more than -0-. State income tax return forms You cannot make a Roth IRA contribution if your modified AGI is $10,000 or more. State income tax return forms See Can You Contribute to a Roth IRA? in chapter 2. State income tax return forms Net Investment Income Tax. State income tax return forms  For purposes of the Net Investment Income Tax (NIIT), net investment income does not include distributions from a qualified retirement plan (for example, 401(a), 403(a), 403(b), 457(b) plans, and IRAs). State income tax return forms However, these distributions are taken into account when determining the modified adjusted gross income threshold. State income tax return forms Distributions from a nonqualified retirement plan are included in net investment income. State income tax return forms See Form 8960, Net Investment Income Tax—Individuals, Estates, and Trusts, and its instructions for more information. State income tax return forms Kay Bailey Hutchison Spousal IRA. State income tax return forms . State income tax return forms  In 2013, spousal IRAs were renamed to Kay Bailey Hutchison Spousal IRAs. State income tax return forms There are no changes to the rules regarding these IRAs. State income tax return forms See Kay Bailey Hutchison Spousal IRA Limit in chapter 1 for more information. State income tax return forms What's New for 2014 Modified AGI limit for traditional IRA contributions increased. State income tax return forms  For 2014, if you are covered by a retirement plan at work, your deduction for contributions to a traditional IRA is reduced (phased out) if your modified AGI is: More than $96,000 but less than $116,000 for a married couple filing a joint return or a qualifying widow(er), More than $60,000 but less than $70,000 for a single individual or head of household, or Less than $10,000 for a married individual filing a separate return. State income tax return forms If you either live with your spouse or file a joint return, and your spouse is covered by a retirement plan at work, but you are not, your deduction is phased out if your modified AGI is more than $181,000 but less than $191,000. State income tax return forms If your modified AGI is $191,000 or more, you cannot take a deduction for contributions to a traditional IRA. State income tax return forms Modified AGI limit for Roth IRA contributions increased. State income tax return forms  For 2014, your Roth IRA contribution limit is reduced (phased out) in the following situations. State income tax return forms Your filing status is married filing jointly or qualifying widow(er) and your modified AGI is at least $181,000. State income tax return forms You cannot make a Roth IRA contribution if your modified AGI is $191,000 or more. State income tax return forms Your filing status is single, head of household, or married filing separately and you did not live with your spouse at any time in 2014 and your modified AGI is at least $114,000. State income tax return forms You cannot make a Roth IRA contribution if your modified AGI is $129,000 or more. State income tax return forms Your filing status is married filing separately, you lived with your spouse at any time during the year, and your modified AGI is more than -0-. State income tax return forms You cannot make a Roth IRA contribution if your modified AGI is $10,000 or more. State income tax return forms Reminders Future developments. State income tax return forms  For the latest information about developments related to Publication 590, such as legislation enacted after it was published, go to www. State income tax return forms irs. State income tax return forms gov/pub590. State income tax return forms Simplified employee pension (SEP). State income tax return forms  SEP IRAs are not covered in this publication. State income tax return forms They are covered in Publication 560, Retirement Plans for Small Business. State income tax return forms Deemed IRAs. State income tax return forms  A qualified employer plan (retirement plan) can maintain a separate account or annuity under the plan (a deemed IRA) to receive voluntary employee contributions. State income tax return forms If the separate account or annuity otherwise meets the requirements of an IRA, it will be subject only to IRA rules. State income tax return forms An employee's account can be treated as a traditional IRA or a Roth IRA. State income tax return forms For this purpose, a “qualified employer plan” includes: A qualified pension, profit-sharing, or stock bonus plan (section 401(a) plan), A qualified employee annuity plan (section 403(a) plan), A tax-sheltered annuity plan (section 403(b) plan), and A deferred compensation plan (section 457 plan) maintained by a state, a political subdivision of a state, or an agency or instrumentality of a state or political subdivision of a state. State income tax return forms Contributions to both traditional and Roth IRAs. State income tax return forms  For information on your combined contribution limit if you contribute to both traditional and Roth IRAs, see Roth IRAs and traditional IRAs under How Much Can Be Contributed? in chapter 2. State income tax return forms Statement of required minimum distribution (RMD). State income tax return forms  If an RMD is required from your IRA, the trustee, custodian, or issuer that held the IRA at the end of the preceding year must either report the amount of the RMD to you, or offer to calculate it for you. State income tax return forms The report or offer must include the date by which the amount must be distributed. State income tax return forms The report is due January 31 of the year in which the minimum distribution is required. State income tax return forms It can be provided with the year-end fair market value statement that you normally get each year. State income tax return forms No report is required for section 403(b) contracts (generally tax-sheltered annuities) or for IRAs of owners who have died. State income tax return forms IRA interest. State income tax return forms  Although interest earned from your IRA is generally not taxed in the year earned, it is not tax-exempt interest. State income tax return forms Tax on your traditional IRA is generally deferred until you take a distribution. State income tax return forms Do not report this interest on your return as tax-exempt interest. State income tax return forms For more information on tax-exempt interest, see the instructions for your tax return. State income tax return forms Photographs of missing children. State income tax return forms  The Internal Revenue Service is a proud partner with the National Center for Missing and Exploited Children. State income tax return forms Photographs of missing children selected by the Center may appear in this publication on pages that would otherwise be blank. State income tax return forms You can help bring these children home by looking at the photographs and calling 1-800-THE-LOST (1-800-843-5678) if you recognize a child. State income tax return forms Introduction This publication discusses individual retirement arrangements (IRAs). State income tax return forms An IRA is a personal savings plan that gives you tax advantages for setting aside money for retirement. State income tax return forms What are some tax advantages of an IRA?   Two tax advantages of an IRA are that: Contributions you make to an IRA may be fully or partially deductible, depending on which type of IRA you have and on your circumstances, and Generally, amounts in your IRA (including earnings and gains) are not taxed until distributed. State income tax return forms In some cases, amounts are not taxed at all if distributed according to the rules. State income tax return forms What's in this publication?   This publication discusses traditional, Roth, and SIMPLE IRAs. State income tax return forms It explains the rules for: Setting up an IRA, Contributing to an IRA, Transferring money or property to and from an IRA, Handling an inherited IRA, Receiving distributions (making withdrawals) from an IRA, and Taking a credit for contributions to an IRA. State income tax return forms   It also explains the penalties and additional taxes that apply when the rules are not followed. State income tax return forms To assist you in complying with the tax rules for IRAs, this publication contains worksheets, sample forms, and tables, which can be found throughout the publication and in the appendices at the back of the publication. State income tax return forms How to use this publication. State income tax return forms   The rules that you must follow depend on which type of IRA you have. State income tax return forms Use Table I-1 to help you determine which parts of this publication to read. State income tax return forms Also use Table I-1 if you were referred to this publication from instructions to a form. State income tax return forms Comments and suggestions. State income tax return forms   We welcome your comments about this publication and your suggestions for future editions. State income tax return forms   You can write to us at the following address: Internal Revenue Service Tax Forms and Publications Division 1111 Constitution Ave. State income tax return forms NW, IR-6526 Washington, DC 20224   We respond to many letters by telephone. State income tax return forms Therefore, it would be helpful if you would include your daytime phone number, including the area code, in your correspondence. State income tax return forms   You can send your comments from www. State income tax return forms irs. State income tax return forms gov/formspubs/. State income tax return forms Click on “More Information” and then on “Comment on Tax Forms and Publications”. State income tax return forms   Although we cannot respond individually to each comment received, we do appreciate your feedback and will consider your comments as we revise our tax products. State income tax return forms Ordering forms and publications. State income tax return forms   Visit www. State income tax return forms irs. State income tax return forms gov/formspubs/ to download forms and publications, call 1-800-TAX-FORM (1-800-829-3676), or write to the address below and receive a response within 10 days after your request is received. State income tax return forms Internal Revenue Service 1201 N. State income tax return forms Mitsubishi Motorway Bloomington, IL 61705-6613 Tax questions. State income tax return forms   If you have a tax question, check the information available on IRS. State income tax return forms gov or call 1-800-829-1040. State income tax return forms We cannot answer tax questions sent to either of the above addresses. State income tax return forms Useful Items - You may want to see: Publications 560 Retirement Plans for Small Business (SEP, SIMPLE, and Qualified Plans) 571 Tax-Sheltered Annuity Plans (403(b) Plans) 575 Pension and Annuity Income 939 General Rule for Pensions and Annuities Forms (and instructions) W-4P Withholding Certificate for Pension or Annuity Payments 1099-R Distributions From Pensions, Annuities, Retirement or Profit-Sharing Plans, IRAs, Insurance Contracts, etc. State income tax return forms 5304-SIMPLE Savings Incentive Match Plan for Employees of Small Employers (SIMPLE)–Not for Use With a Designated Financial Institution 5305-S SIMPLE Individual Retirement Trust Account 5305-SA SIMPLE Individual Retirement Custodial Account 5305-SIMPLE Savings Incentive Match Plan for Employees of Small Employers (SIMPLE)–for Use With a Designated Financial Institution 5329 Additional Taxes on Qualified Plans (Including IRAs) and Other Tax-Favored Accounts 5498 IRA Contribution Information 8606 Nondeductible IRAs 8815 Exclusion of Interest From Series EE and I U. State income tax return forms S. State income tax return forms Savings Bonds Issued After 1989 8839 Qualified Adoption Expenses 8880 Credit for Qualified Retirement Savings Contributions See chapter 5 for information about getting these publications and forms. State income tax return forms Table I-1. State income tax return forms Using This Publication IF you need information on . State income tax return forms . State income tax return forms . State income tax return forms THEN see . State income tax return forms . State income tax return forms . State income tax return forms traditional IRAs chapter 1. State income tax return forms Roth IRAs chapter 2, and parts of  chapter 1. State income tax return forms SIMPLE IRAs chapter 3. State income tax return forms the credit for qualified retirement savings contributions (the saver's credit) chapter 4. State income tax return forms how to keep a record of your contributions to, and distributions from, your traditional IRA(s) appendix A. State income tax return forms SEP IRAs and 401(k) plans Publication 560. State income tax return forms Coverdell education savings accounts (formerly called education IRAs) Publication 970. State income tax return forms IF for 2013, you received social security benefits, had taxable compensation, contributed to a traditional IRA, and you or your spouse was covered by an employer retirement plan, and you want to. State income tax return forms . State income tax return forms . State income tax return forms THEN see . State income tax return forms . State income tax return forms . State income tax return forms first figure your modified adjusted gross income (AGI) appendix B, worksheet 1. State income tax return forms then figure how much of your traditional IRA contribution you can deduct appendix B, worksheet 2. State income tax return forms and finally figure how much of your social security is taxable appendix B, worksheet 3. State income tax return forms Table I-2. State income tax return forms How Are a Traditional IRA and a Roth IRA Different? This table shows the differences between traditional and Roth IRAs. State income tax return forms Answers in the middle column apply to traditional IRAs. State income tax return forms Answers in the right column apply to Roth IRAs. State income tax return forms Question Answer   Traditional IRA? Roth IRA? Is there an age limit on when I can open and contribute to a Yes. State income tax return forms You must not have reached age  70½ by the end of the year. State income tax return forms See Who Can Open a Traditional IRA? in chapter 1. State income tax return forms No. State income tax return forms You can be any age. State income tax return forms See Can You Contribute to a Roth IRA? in chapter 2. State income tax return forms If I earned more than $5,500 in 2013 ($6,500 if I was 50 or older by the end of 2013), is there a limit on how much I can contribute to a Yes. State income tax return forms For 2013, you can contribute to a traditional IRA up to: $5,500, or $6,500 if you were age 50 or older by the end of 2013. State income tax return forms  There is no upper limit on how much you can earn and still contribute. State income tax return forms See How Much Can Be Contributed? in chapter 1. State income tax return forms Yes. State income tax return forms For 2013, you may be able to contribute to a Roth IRA up to: $5,500, or $6,500 if you were age 50 or older by the end of 2013,  but the amount you can contribute may be less than that depending on your income, filing status, and if you contribute to another IRA. State income tax return forms See How Much Can Be Contributed? and Table 2-1 in chapter 2. State income tax return forms Can I deduct contributions to a Yes. State income tax return forms You may be able to deduct your contributions to a traditional IRA depending on your income, filing status, whether you are covered by a retirement plan at work, and whether you receive social security benefits. State income tax return forms See How Much Can You Deduct? in chapter 1. State income tax return forms No. State income tax return forms You can never deduct contributions to a Roth IRA. State income tax return forms See What Is a Roth IRA? in chapter 2. State income tax return forms Do I have to file a form just because I contribute to a Not unless you make nondeductible contributions to your traditional IRA. State income tax return forms In that case, you must file Form 8606. State income tax return forms See Nondeductible Contributions in chapter 1. State income tax return forms No. State income tax return forms You do not have to file a form if you contribute to a Roth IRA. State income tax return forms See Contributions not reported in chapter 2. State income tax return forms Do I have to start taking distributions when I reach a certain age from a Yes. State income tax return forms You must begin receiving required minimum distributions by April 1 of the year following the year you reach age 70½. State income tax return forms See When Must You Withdraw Assets? (Required Minimum Distributions) in chapter 1. State income tax return forms No. State income tax return forms If you are the original owner of a Roth IRA, you do not have to take distributions regardless of your age. State income tax return forms See Are Distributions Taxable? in chapter 2. State income tax return forms However, if you are the beneficiary of a Roth IRA, you may have to take distributions. State income tax return forms See Distributions After Owner's Death in chapter 2. State income tax return forms How are distributions taxed from a Distributions from a traditional IRA are taxed as ordinary income, but if you made nondeductible contributions, not all of the distribution is taxable. State income tax return forms See Are Distributions Taxable? in chapter 1. State income tax return forms Distributions from a Roth IRA are not taxed as long as you meet certain criteria. State income tax return forms See Are Distributions Taxable? in chapter 2. State income tax return forms Do I have to file a form just because I receive distributions from a Not unless you have ever made a nondeductible contribution to a traditional IRA. State income tax return forms If you have, file Form 8606. State income tax return forms See Nondeductible Contributions in chapter 1. State income tax return forms Yes. State income tax return forms File Form 8606 if you received distributions from a Roth IRA (other than a rollover, qualified charitable distribution, one-time distribution to fund an HSA, recharacterization, certain qualified distributions, or a return of certain contributions). State income tax return forms Prev  Up  Next   Home   More Online Publications