{"id":32937,"date":"2025-11-14T16:34:16","date_gmt":"2025-11-14T21:34:16","guid":{"rendered":"https:\/\/koreatimesphila.com\/?p=32937"},"modified":"2025-11-14T16:34:17","modified_gmt":"2025-11-14T21:34:17","slug":"irs-2026%eb%85%84-%ed%87%b4%ec%a7%81%ec%97%b0%ea%b8%88-%eb%82%a9%ec%9e%85%ed%95%9c%eb%8f%84-%ec%83%81%ed%96%a5","status":"publish","type":"post","link":"https:\/\/koreatimesphila.com\/en\/irs-2026%eb%85%84-%ed%87%b4%ec%a7%81%ec%97%b0%ea%b8%88-%eb%82%a9%ec%9e%85%ed%95%9c%eb%8f%84-%ec%83%81%ed%96%a5\/","title":{"rendered":"IRS, 2026\ub144 \ud1f4\uc9c1\uc5f0\uae08 \ub0a9\uc785\ud55c\ub3c4 \uc0c1\ud5a5"},"content":{"rendered":"

\u25b6 \uc0dd\ud65c\uacbd\uc81c \ub178\ud558\uc6b0
\u25b6 401(k)\u00b7IRA \uacc4\uc88c \ub300\uc0c1<\/p>\n\n\n\n

\u25b6 \ucd5c\ub300 1,000\ub2ec\ub7ec \ucd94\uac00
\u25b6 \ubb3c\uac00 \uc0c1\uc2b9 \ubc18\uc601 \uc870\uce58<\/p>\n\n\n\n

\uc5f0\ubc29 \uad6d\uc138\uccad(IRS)\uc774 \uc778\ud50c\ub808\uc774\uc158(\ubb3c\uac00\uc0c1\uc2b9)\uc744 \ubc18\uc601\ud574 2026\ub144 \ud1f4\uc9c1\uc800\ucd95\uacc4\uc88c\uc758 \ub0a9\uc785 \ud55c\ub3c4\ub97c \uc0c1\ud5a5 \uc870\uc815\ud55c\ub2e4\uace0 \ubc1c\ud45c\ud588\ub2e4. \uc774\ubc88 \uc870\uce58\ub294 \uadfc\ub85c\uc790\ub4e4\uc774 \uc138\uae08 \ud61c\ud0dd\uc744 \uc720\uc9c0\ud55c \ucc44 \ub354 \ub9ce\uc740 \uae08\uc561\uc744 \ud1f4\uc9c1\uc800\ucd95\uc5d0 \ud65c\uc6a9\ud560 \uc218 \uc788\ub3c4\ub85d \ud558\uae30 \uc704\ud55c \uac83\uc774\ub2e4.<\/p>\n\n\n\n

IRS\uc5d0 \ub530\ub974\uba74 2026\ub144\ubd80\ud130 \uadfc\ub85c\uc790\uac00 401(k), 403(b), 457, \uadf8\ub9ac\uace0 \uc5f0\ubc29\uacf5\ubb34\uc6d0 \ud1f4\uc9c1\uc800\ucd95\uacc4\uc88c(TSP)\uc5d0 \ub0a9\uc785\ud560 \uc218 \uc788\ub294 \ucd5c\ub300 \uae08\uc561\uc774 2\ub9cc4,500\ub2ec\ub7ec\ub85c \uc624\ub978\ub2e4. \uc62c\ud574 \ud55c\ub3c4\uc778 2\ub9cc3,500\ub2ec\ub7ec\ubcf4\ub2e4 1,000\ub2ec\ub7ec \ub298\uc5b4\ub0ac\ub2e4.<\/p>\n\n\n\n

50\uc138 \uc774\uc0c1 \uadfc\ub85c\uc790\ub97c \uc704\ud55c \u2018\ucd94\uac00 \ub0a9\uc785\u2019(catch-up contribution) \ud55c\ub3c4 \uc5ed\uc2dc \uc62c\ud574 7,500\ub2ec\ub7ec\uc5d0\uc11c \ub0b4\ub144 8,000\ub2ec\ub7ec\ub85c \uc778\uc0c1\ub41c\ub2e4.<\/p>\n\n\n\n

<\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/p>\n\n\n\n

\uac1c\uc778\ud1f4\uc9c1\uacc4\uc88c(IRA)\uc758 \uc5f0\uac04 \ub0a9\uc785\ud55c\ub3c4\ub294 7,000\ub2ec\ub7ec \u2192 7,500\ub2ec\ub7ec\ub85c \uc778\uc0c1\ub418\uba70, 50\uc138 \uc774\uc0c1\uc774 \ucd94\uac00\ub85c \ub0a9\uc785\ud560 \uc218 \uc788\ub294 \ud55c\ub3c4\ub3c4 1,000\ub2ec\ub7ec \u2192 1,100\ub2ec\ub7ec\ub85c 100\ub2ec\ub7ec \ub192\uc544\uc9c4\ub2e4.<\/p>\n\n\n\n

IRS\ub294 \ub9e4\ub144 \ubb3c\uac00\uc0c1\uc2b9\ub960\uc744 \ubc18\uc601\ud574 \ub0a9\uc785 \ud55c\ub3c4\ub97c \uc870\uc815\ud558\uace0 \uc788\ub2e4. \ubb3c\uac00\uac00 \uc624\ub97c\uc218\ub85d \uc2e4\uc9c8 \uc800\ucd95 \uac00\uce58\uac00 \uc904\uc5b4\ub4dc\ub294 \ub9cc\ud07c, \uadfc\ub85c\uc790\ub4e4\uc774 \uc138\uae08 \ud61c\ud0dd\uc744 \ud65c\uc6a9\ud574 \ub354 \ub9ce\uc740 \ub3c8\uc744 \ud1f4\uc9c1\uc790\uae08\uc73c\ub85c \uc313\uc744 \uc218 \uc788\ub3c4\ub85d \ud558\uae30 \uc704\ud55c \uc870\uce58\ub2e4.<\/p>\n\n\n\n

\uc804\ubb38\uac00\ub4e4\uc740 \u201c\ucd5c\uadfc \ubb3c\uac00\uc0c1\uc2b9\uc73c\ub85c \uc0dd\ud65c\ube44 \ubd80\ub2f4\uc774 \ucee4\uc9c4 \uc0c1\ud669\uc5d0\uc11c \uc774\ubc88 \ud55c\ub3c4 \uc778\uc0c1\uc740 \uc7a5\uae30\uc801\uc73c\ub85c \uae0d\uc815\uc801\uc778 \uc2e0\ud638\u201d\ub77c\uba74\uc11c\ub3c4, \u201c\uc2e4\uc9c8\uc801\uc73c\ub85c \ub0a9\uc785 \uc5ec\ub825\uc774 \uc788\ub294 \uadfc\ub85c\uc790\ub294 \uc5ec\uc804\ud788 \uc81c\ud55c\uc801\u201d\uc774\ub77c\uace0 \uc9c0\uc801\ud55c\ub2e4.<\/p>\n\n\n\n

\ud22c\uc790\uc6b4\uc6a9\uc0ac \ubc45\uac00\ub4dc\uc5d0 \ub530\ub974\uba74, 2024\ub144 \uae30\uc900 \ubbf8\uad6d \uadfc\ub85c\uc790 \uc911 \uc790\uae30 401(k) \uacc4\uc88c\uc5d0 \ucd5c\ub300 \uae08\uc561\uc744 \ub0a9\uc785\ud55c \ube44\uc728\uc740 14%\uc5d0 \ubd88\uacfc\ud588\ub2e4. \uadf8\ub9c8\uc800\ub3c4 \ub300\ubd80\ubd84 \uace0\uc18c\ub4dd\uce35\uacfc \uc911\u00b7\uc7a5\ub144\uce35\uc774\uc5c8\ub2e4. \ub610 \ub2e4\ub978 \uc870\uc0ac\uc5d0\uc11c\ub294 \ubbf8\uad6d \uadfc\ub85c\uc790\uc758 \uc57d 42%\uac00 \uc0dd\ud65c\ube44 \uc9c0\ucd9c \ud6c4\uc5d0\ub294 \uc800\ucd95 \uc5ec\ub825\uc774 \uc804\ud600 \uc5c6\ub2e4\uace0 \ub2f5\ud588\ub2e4. \uc80a\uc740 \uc138\ub300\uc77c\uc218\ub85d \uc774\ub7ec\ud55c \uacbd\ud5a5\uc774 \ub450\ub4dc\ub7ec\uc84c\ub2e4.<\/p>\n\n\n\n

\uc804\ubb38\uac00\ub4e4\uc740 \ud55c\ub3c4 \uc778\uc0c1 \uc790\uccb4\uac00 \ubaa8\ub4e0 \uadfc\ub85c\uc790\uc5d0\uac8c \uc2e4\uc9c8\uc801 \ub3c4\uc6c0\uc774 \ub418\uc9c0\ub294 \uc54a\ub294\ub2e4\uace0 \ubd84\uc11d\ud55c\ub2e4. \ubbf8\uad6d\uc758 \ubb3c\uac00\uc640 \uc8fc\uac70\ube44\uac00 \ub192\uc740 \uc0c1\ud669\uc5d0\uc11c \ub9ce\uc740 \uadfc\ub85c\uc790\ub4e4\uc774 \ud1f4\uc9c1\uc800\ucd95\ubcf4\ub2e4 \ub2f9\uc7a5\uc758 \uc0dd\ud65c\ube44 \ubd80\ub2f4\uc744 \uc6b0\uc120\uc2dc\ud558\uace0 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4.<\/p>\n\n\n\n

\uc7ac\uc815 \uc804\ubb38\uac00 \ub85c\ub77c \uc560\ub364\uc2a4\ub294 \u201c401(k) \ub0a9\uc785 \ud55c\ub3c4 \uc778\uc0c1\uc740 \uc7a5\uae30\uc801\uc73c\ub85c \ud070 \uc774\uc810\uc744 \uc904 \uc218 \uc788\uc9c0\ub9cc, \uae30\ubcf8 \uc0dd\ud65c\ube44\uac00 \ube60\ub4ef\ud55c \uadfc\ub85c\uc790\uc5d0\uac8c\ub294 \ub2f9\uc7a5 \uccb4\uac10\ub418\uae30 \uc5b4\ub835\ub2e4\u201d\uba70 \u201c\uc801\uc5b4\ub3c4 \ud68c\uc0ac \ub9e4\uce6d\uc744 \ubc1b\uc744 \uc218 \uc788\uc744 \ub9cc\ud07c\uc740 \ub0a9\uc785\ud558\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud558\ub2e4\u201d\uace0 \uc870\uc5b8\ud588\ub2e4.<\/p>\n\n\n\n

\uadf8\ub7ec\ub098 \uc774\ubc88 \uc870\uc815\uc740 \ud1f4\uc9c1\uc800\ucd95 \uc5ec\uc720\uac00 \uc788\ub294 \uadfc\ub85c\uc790\uc5d0\uac8c\ub294 \uc720\ub9ac\ud55c \uae30\ud68c\uac00 \ub420 \uc218 \uc788\ub2e4. \ud2b9\ud788 \uc5f0\ub839\uc774 \ub192\uac70\ub098 \ucd94\uac00 \ub0a9\uc785\uc744 \uace0\ub824 \uc911\uc778 \uadfc\ub85c\uc790\ub294 \ub0b4\ub144\ubd80\ud130 \uc801\uc6a9\ub420 \uc778\uc0c1\ub41c \ud55c\ub3c4\ub97c \uc801\uadf9 \uac80\ud1a0\ud560 \ud544\uc694\uac00 \uc788\ub2e4. \ub2e4\ub9cc \uc5ec\uc804\ud788 \ub9ce\uc740 \uadfc\ub85c\uc790\uac00 \uae30\ubcf8 \uc0dd\ud65c\ube44 \uc9c0\ucd9c\ub9cc\uc73c\ub85c\ub3c4 \ubc84\uac70\uc6b4 \uc0c1\ud669\uc784\uc744 \uac10\uc548\ud560 \ub54c, \ub0a9\uc785 \uc5ec\ub825\uc774 \uc5c6\ub294 \uacbd\uc6b0\uc5d0\ub294 \ud604\uc2e4\uc801\uc778 \uc800\ucd95\u00b7\ud22c\uc790 \uacc4\ud68d\uc744 \uc138\uc6b0\ub294 \uac83\uc774 \uc911\uc694\ud558\ub2e4.<\/p>\n\n\n\n

\ub610\ud55c \ub0a9\uc785\ud55c\ub3c4 \uc0c1\ud5a5\uc740 \ub2e8\uc21c\ud788 \uae08\uc561 \uc99d\uac00\ub9cc\uc744 \uc758\ubbf8\ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c, \uc790\uc0b0 \ubc30\ubd84, \uc138\uae08\uc6b0\ub300 \ud61c\ud0dd, \uc704\ud5d8\uad00\ub9ac \ub4f1 \ud1f4\uc9c1\uc900\ube44\uc758 \uc804\ubc18\uc801\uc778 \uad6c\uc870\ub97c \ub2e4\uc2dc \uc810\uac80\ud560 \uacc4\uae30\ub85c \uc0bc\uc544\uc57c \ud55c\ub2e4.<\/p>\n\n\n\n

\ubbf8\uad6d\uc758 401(k)\uc640 IRA\ub294 \ud55c\uad6d\uc758 \ud1f4\uc9c1\uc5f0\uae08\uacfc \ube44\uc2b7\ud55c \uc81c\ub3c4\ub2e4. 401(k)\ub294 \ud68c\uc0ac\uac00 \uc81c\uacf5\ud558\ub294 \ud1f4\uc9c1\uc800\ucd95 \uacc4\uc88c\ub85c, \uadfc\ub85c\uc790\uac00 \uc6d4\uae09\uc758 \uc77c\ubd80\ub97c \uc138\uae08 \uacf5\uc81c \ud61c\ud0dd\uc744 \ubc1b\uc73c\uba70 \uc801\ub9bd\ud55c\ub2e4. IRA(Individual Retirement Account)\ub294 \uac1c\uc778\uc774 \uc9c1\uc811 \uac1c\uc124\ud574 \ub0a9\uc785\ud558\ub294 \ud1f4\uc9c1\uc800\ucd95 \uacc4\uc88c\ub2e4. \ud55c\uad6d\uc758 \uacbd\uc6b0\ub3c4 \ub9e4\ub144 \uc138\uc81c\ud55c\ub3c4\uac00 \uc870\uc815\ub418\ub294 \uad6c\uc870\uc774\uc9c0\ub9cc, \ubbf8\uad6d\uc740 \uc778\ud50c\ub808\uc774\uc158 \uc5f0\ub3d9\ud3ed\uc774 \ub354 \ud06c\ub2e4\ub294 \uc810\uc774 \ud2b9\uc9d5\uc774\ub2e4.<\/p>\n\n\n\n

<\uc870\ud658\ub3d9 \uae30\uc790><\/p>","protected":false},"excerpt":{"rendered":"

\u25b6 \uc0dd\ud65c\uacbd\uc81c \ub178\ud558\uc6b0\u25b6 401(k)\u00b7IRA \uacc4\uc88c \ub300\uc0c1 \u25b6 \ucd5c\ub300 1,000\ub2ec\ub7ec \ucd94\uac00\u25b6 \ubb3c\uac00 \uc0c1\uc2b9 \ubc18\uc601 \uc870\uce58 \uc5f0\ubc29…<\/p>","protected":false},"author":1,"featured_media":32942,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"WB4WB4WP_MODE":"","WB4WP_PAGE_SCRIPTS":"","WB4WP_PAGE_STYLES":"","WB4WP_PAGE_FONTS":"","WB4WP_PAGE_HEADER":"","WB4WP_PAGE_FOOTER":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[37],"tags":[2282],"class_list":["post-32937","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-politics","tag-2282"],"yoast_head":"\nIRS, 2026\ub144 \ud1f4\uc9c1\uc5f0\uae08 \ub0a9\uc785\ud55c\ub3c4 \uc0c1\ud5a5 - \ud55c\uad6d\uc77c\ubcf4 \ud544\ub77c\ub378\ud53c\uc544<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/koreatimesphila.com\/en\/irs-2026\ub144-\ud1f4\uc9c1\uc5f0\uae08-\ub0a9\uc785\ud55c\ub3c4-\uc0c1\ud5a5\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"IRS, 2026\ub144 \ud1f4\uc9c1\uc5f0\uae08 \ub0a9\uc785\ud55c\ub3c4 \uc0c1\ud5a5 - \ud55c\uad6d\uc77c\ubcf4 \ud544\ub77c\ub378\ud53c\uc544\" \/>\n<meta property=\"og:description\" content=\"\u25b6 \uc0dd\ud65c\uacbd\uc81c \ub178\ud558\uc6b0\u25b6 401(k)\u00b7IRA \uacc4\uc88c \ub300\uc0c1 \u25b6 \ucd5c\ub300 1,000\ub2ec\ub7ec \ucd94\uac00\u25b6 \ubb3c\uac00 \uc0c1\uc2b9 \ubc18\uc601 \uc870\uce58 \uc5f0\ubc29...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/koreatimesphila.com\/en\/irs-2026\ub144-\ud1f4\uc9c1\uc5f0\uae08-\ub0a9\uc785\ud55c\ub3c4-\uc0c1\ud5a5\/\" \/>\n<meta property=\"og:site_name\" content=\"\ud55c\uad6d\uc77c\ubcf4 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