去年股票赚了70万，结果没付税，这两天股票已经把去年盈利全跌回去了，是的，我的一个股票腰斩，占我的半仓，我又是full margin， 今天刚发现被券商卖掉了一些，因为有margin call了。天啊，我单身还倒欠20几万的税。不想活了。刚刚file 了extension，找了一圈late payment penalty and interest, 没找着，望求大家帮忙，到底欠的州税和联邦税的罚款有多高啊？天啊，崩溃啊。 补充：我2020 estimated tax已经交足了。但是现在还是欠22万的税，但是我没钱付啊。今天file 了extension.就想知道加州5% + .5% per month charge 对我这种情况适用吗？federal is 3% + .5% , 这种 3%和5%是一次性的吗？ 加州有好的CPA请帮我推荐一个便宜好用的。没钱啦！
一帆风顺2021 发表于 2021-05-17 23:34
楼主，罚款应该是按月算的，利息是按天算的，参考下面： https://turbotax.intuit.com/tax-tips/tax-extensions/what-to-do-after-youve-filed-an-income-tax-extension/L9jRDNKBN#:~:text=The%20standard%20tax%20extension%20allows,hit%20with%20penalty%20and%20interest Checking federal tax extension status If you sent your extension in on time, it should be granted. To confirm receipt, it's easiest if you use software like TurboTax Easy Extension, since you'll get a confirmation from TurboTax within 48 hours. If you use the U.S. mail to send your extension, you'll have to contact the Internal Revenue Service (IRS) to ask about extension status. Currently, you can't do this on the IRS website. Call the IRS customer service number to determine if your request for an extension was received and approved. Checking state tax extension status If your state requires that you file an extension application separate from the federal tax extension application, you'll have to contact the taxing authorities in your state to check on its status. Call the taxpayer service number and ask the service agent whether your papers arrived on time. Paying any tax due The standard tax extension allows you to file your tax return after the usual deadline. However, it doesn't buy you more time to pay any taxes you may owe. That means that if you don’t pay your tax balance by the filing deadline, you'll get hit with penalty and interest. Even if you can’t pay it all immediately, pay as much as you can. Penalties and interest are based on how much you owe and for how long. Late payment penalties are calculated at 0.5% of the unpaid tax balance per month. The maximum you can be charged in late payment penalties is 25% of the unpaid tax. For example, if your tax balance is $2,000: Penalty per month = $2,000 x 0.5% = $10 Total possible late payment penalty = $2,000 x 25% = $500 If you know you’re going to be out of the country on tax day, there is an automatic two-month extension that allows you to hold off filing and paying taxes without penalty, but you'll still be assessed interest as of the day after the tax filing deadline. Interest on unpaid tax compounds daily from the original due date of the return until the date you pay in full. The rate is calculated as the federal short-term interest rate, currently .81% plus 3%. Interest is applied daily, so for each day you're late, you’ll owe 0.0082% of the balance. For example, if you owe $2,000 in taxes and don’t pay by the due date, you’ll pay: .81% + 3% = 3.81% annual interest 3.81% annual interest divided by 365 days = .01% Penalty per day: $2,000 x 0.01% = $0.20 Note: Compounding interest results in a daily recalculation of the principal amount plus accrued interest. Filing tax returns on time Generally, the due date for filing your income taxes is April 15. However, in some years it can fall on a weekend or a holiday. Therefore, the tax deadline can change to April 16, 17, or even 18 depending on the situation. The federal tax filing deadline for individuals has been extended to May 17, 2021 for tax year 2020. If you request and are granted an extension, you typically have until October 15 to file you tax return. These extensions automatically extend your state income tax deadline as well in some states. Other states, like New York, require a separate extension request. When tax extensions are rejected Even when filed before the deadline, some tax extension requests are rejected on or after that date. You'll get notified in an email or letter from the IRS if your extension request is denied. While the reasons behind this vary, the most common ones are: Misspellings, switched numbers and other errors on the extension form Out-of-date information, like old addresses or last names that don't match up to the IRS records In these cases, the IRS provides a window of time—typically five days—in which you may fix issues and correct errors with your request in order to file again.
补充：我2020 estimated tax已经交足了。但是现在还是欠22万的税，但是我没钱付啊。今天file 了extension.就想知道加州5% + .5% per month charge 对我这种情况适用吗？federal is 3% + .5% , 这种 3%和5%是一次性的吗？
加州有好的CPA请帮我推荐一个便宜好用的。没钱啦！
🔥 最新回帖
需要抱团取暖吗
https://forums.huaren.us/showtopic.html?topicid=2663975&fid=398&page=1
学习了
不用担心，如果某年赚多了可以一次性全部扣掉
🛋️ 沙发板凳
paper loss, paper gain.
有盈利时为什么不卖？
如果是前者的话，你脑子咋想的？
如果你一次性付不出税的话可以找irs搞分期付款
股票大额盈利的话应该交estimated tax。我猜他没交这个才会被罚款的。
不是初犯，是 withholding / estimated tax 超过去年的 total tax (或者 110% 取决于具体收入)，就不会被罚款 underpay penalty。
如果低于，差价部分算 underpay penalty。
当然记得明年用今年的 total tax 作为罚款计算了。
你这个属于税盲。正因为她卖了（去年），然后今年又是亏掉，才导致没钱交税。
要是没卖，至少不用交税（但可能需要顶亏损好些年。。）
美国和加拿大太不一样了，我得学学美国税。 她不是说今年把去年的盈利都跌回去了吗？我的理解就是没卖，结果跌回去了。
股票盈利多的话每个季度都要预付税真按
他显然是去年盈利卖出去了 但是今年亏损了导致没钱交税了……
既然去年有盈利都卖出去了 ，那么钱去哪里了? 又杀进去了吗？然后又跌了? 盈利的钱没有取出来吗？风险控制没做好。
没卖的话就没realize他就不用交税。他这情况是去年卖掉了realized gain了，然后拿着本金和盈利部分又进入市场了，没预留来交税的。结果现在又被套了拿不出钱。属于贪心。
楼主是今年一大批新手之一，赚了钱不知道要留税。
比如去年赚了100万，很可能一半都要交税的（加州），那她必须赶紧把兑现出来的钱，划出50万交est tax。如果她交了的话，今年再赔，也不至于没钱交税。类似于她今年最多只能赔掉原来的本金+50万，而不是原来的本金+100万。后者把她原来应该交税的钱也赔出去了，现在就抓瞎了。
因为她根本就不知道要交税这件事。
风险控制没做好。 我是再三交代我老公，每年的收益必须套现，不能再投入，多少收益率都不动心。
挣钱缴税是常识啊
她不知道鸡蛋不能放在一个筐里吗？ 各种投资都要配置，不能都放股市里。
well，下次就知道了。路总是要自己走一遍，我琢磨以后自己的娃也可能来那么一遭，晚赔不如早赔。
股票去年底没卖得话，不用交税不
楼主不是投资，是赌博。
找cpa咨询最佳解决办法，未必有penalty如果你之前withhold到前年交税的110%。 最关键的问题在于为什么产生盈利不做税务规划？你盈利那么多钱没有留税款相当于一笔欠账，你这属于拿欠账上margin，风险敞口也太大了。 你投资的时候必然考虑过可能的风险，所以现在的情况应该之前有考虑过吧，当时的计划是什么呢？
我2020 estimated tax已经交足了。但是现在还是欠22万的税，但是我没钱付啊。今天file 了extension.就想知道加州5% + .5% per month charge 对我这种情况适用吗？federal is 3% + .5% , 这种 3%和5%是一次性的吗？
跟亲戚借几十万，我不敢。都不敢说。
我没有underpay penalty, but i will still be charged 3% late payment penalty and monthly interest.
先跟IRS要求分期付，同时找人借钱。
以后赚了大笔钱先把税预交一下，知道有人像你这样操作结果不得已破产的。
我现在税还没报，没报还能要求分期付款吗？今天打电话去问，说没报税不能要求分期付款。
请问不得已破产的那个人可以waive late payment penalty吗？5% state and 3% federal is too too high imo.
宝宝，我都哭死了，挣点钱咋这么难。
新手而已
靠运气挣的钱 终究又靠实力赔回去
很多新手都会经历一次
经历了才会成熟一点（指股市）
你都欠那么多钱了 真不差这三百 而且三百一小时也不贵 如果可以解决问题 比你的利息少多了 赶紧问问吧！真替你着急！irs哪里有那么好说话 要是那样科技泡沫时候就不会有那么多人破产了……
对的，刚开始办理了，但是要一个月。问题是late payment penalty我迟付一个月也会charge 5%吗？这太不公平了。能够破解吗？
我钱一个月能导账，现在就是想如何waive late payment penalty.
1⃣️问会计师 2⃣️把税报了，分期付款
加州也有110% rule 吧？ 不过投资时确实很容易忘掉股市收益的税，没提前计划的话经常被要交的一大笔税款惊到。
谢谢 我的理解是现在保税和file extension要交的penalty是一样的。还是有区别？
加州超过100万收入的话 safe harobor不试用了 一定要交estimated tax 不然就有罚款
盈利都赔了啊 确实没什么盈利
他是在问去年股票如何报税时说的是去年“也没有什么盈利”，不是指今年赔了的。
楼主，罚款应该是按月算的，利息是按天算的，参考下面： https://turbotax.intuit.com/tax-tips/tax-extensions/what-to-do-after-youve-filed-an-income-tax-extension/L9jRDNKBN#:~:text=The%20standard%20tax%20extension%20allows,hit%20with%20penalty%20and%20interest
Checking federal tax extension status
If you sent your extension in on time, it should be granted. To confirm receipt, it's easiest if you use software like TurboTax Easy Extension, since you'll get a confirmation from TurboTax within 48 hours.
If you use the U.S. mail to send your extension, you'll have to contact the Internal Revenue Service (IRS) to ask about extension status. Currently, you can't do this on the IRS website. Call the IRS customer service number to determine if your request for an extension was received and approved. Checking state tax extension status
If your state requires that you file an extension application separate from the federal tax extension application, you'll have to contact the taxing authorities in your state to check on its status. Call the taxpayer service number and ask the service agent whether your papers arrived on time.
Paying any tax due
The standard tax extension allows you to file your tax return after the usual deadline. However, it doesn't buy you more time to pay any taxes you may owe. That means that if you don’t pay your tax balance by the filing deadline, you'll get hit with penalty and interest.
Even if you can’t pay it all immediately, pay as much as you can. Penalties and interest are based on how much you owe and for how long.
Late payment penalties are calculated at 0.5% of the unpaid tax balance per month. The maximum you can be charged in late payment penalties is 25% of the unpaid tax. For example, if your tax balance is $2,000:
Penalty per month = $2,000 x 0.5% = $10 Total possible late payment penalty = $2,000 x 25% = $500 If you know you’re going to be out of the country on tax day, there is an automatic two-month extension that allows you to hold off filing and paying taxes without penalty, but you'll still be assessed interest as of the day after the tax filing deadline.
Interest on unpaid tax compounds daily from the original due date of the return until the date you pay in full. The rate is calculated as the federal short-term interest rate, currently .81% plus 3%. Interest is applied daily, so for each day you're late, you’ll owe 0.0082% of the balance. For example, if you owe $2,000 in taxes and don’t pay by the due date, you’ll pay:
.81% + 3% = 3.81% annual interest 3.81% annual interest divided by 365 days = .01% Penalty per day: $2,000 x 0.01% = $0.20 Note: Compounding interest results in a daily recalculation of the principal amount plus accrued interest.
Filing tax returns on time
Generally, the due date for filing your income taxes is April 15. However, in some years it can fall on a weekend or a holiday. Therefore, the tax deadline can change to April 16, 17, or even 18 depending on the situation. The federal tax filing deadline for individuals has been extended to May 17, 2021 for tax year 2020.
If you request and are granted an extension, you typically have until October 15 to file you tax return.
These extensions automatically extend your state income tax deadline as well in some states. Other states, like New York, require a separate extension request. When tax extensions are rejected
Even when filed before the deadline, some tax extension requests are rejected on or after that date. You'll get notified in an email or letter from the IRS if your extension request is denied. While the reasons behind this vary, the most common ones are:
Misspellings, switched numbers and other errors on the extension form Out-of-date information, like old addresses or last names that don't match up to the IRS records In these cases, the IRS provides a window of time—typically five days—in which you may fix issues and correct errors with your request in order to file again.
要控制风险，去年就不可能赚70万。 全年赚70万的人，一样的操作手法，今年当然有可能赔掉。
赔了就不爽了 没法子抵税
ira拿出来时一样要交税的
亏了没有办法抵税
感觉你这情况大概要交大几千吧。
自相矛盾。交足了还欠22万？让年收入高于70万的马工帮你一下该交多少。版上不是乌秧乌秧的马工有一米包裹吗？
到了年龄就不要了。。。。 方法多的很。。。 自己要摸索 交最小的税钱 用时间成本来做。
No I have no question regarding that. My question is whether I can waive the penalty.
ha. i don't know about CA penalties but shouldn't you be glad it is only 5%?
不行 银行利息不是capitalgain 这两个不能抵 loss只能抵3k剩下的carryover到下一年
Ha! If you lose, you don't even get to write off anything. It is a double edged sword.
FTB 2917 Reasonable Cause – Individual and Fiduciary Claim for Refund
现在已经过了报税日期 你说的这种是到报税日期时候欠税不多的情况
不可以啊 Max3k 剩下的carryover……你的gain不是一个calendar year的 这已经上税了
去年的税，今年交了就结清了。 今年亏的钱，可以明年免税。每年只有3000额度，就是你今年亏了3万，足够你报十年。
实际上有些人亏了30万，足够carryover 100年
这个3000上限好坑人啊！感觉散户炒股基本就是被irs和花街来回割肉😂
3000 上限是指net loss。投资本身就是有风险的，可以想象一下如果投资的loss可以无限制的抵税，那不都乱了。。。散户炒股就是投指数，少交易，赚长期复利的钱。就算是水平高的散户能做day trading或者短线交易的，税的问题一定要事先搞清楚，不然说实话好多人都不知道怎么被搞的。
这个是说预扣不足的情况，但也必须按时交满才能免的，lz是已经过了deadline了还没交。
extension只是你可以晚点算晚点报，应缴纳的税还是必须在期限前交足，不然就要罚。除非真是缺啥材料没法及时填表的，不然extension没意义啊。