2006 Federal Tax Schedules

All numbers are adjusted for inflation.

 

Married individuals filing joint returns and surviving spouses

If taxable income is: Tax is:
$1 - $15,100 10% of taxable income
$15,101 - $61,300 15% of taxable income
$61,301 - $123,700 25% of taxable income
$123,701 - $188,450 28% of taxable income
$188,451 - $336,550 33% of taxable income
Over $336,550 35% of taxable income

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Heads of Households

If taxable income is: Tax is:
$1 - $10,750 10% of taxable income
$10,751 - $41,050 15% of taxable income
$41,051 - $106,000 25% of taxable income
$106,001 - $171,650 28% of taxable income
$171,651 - $336,550 33% of taxable income
Over $336,550 35% of taxable income

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Single individuals (other than surviving spouses and heads of households)

If taxable income is: Tax is:
$1 - $7,550 10% of taxable income
$7,551 - $30,650 15% of taxable income
$30,651 - $74,200 25% of taxable income
$74,201 - $154,800 28% of taxable income
$154,801 - $336,550 33% of taxable income
Over $336,550 35% of taxable income

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Married individuals filing separate returns

If taxable income is: Tax is:
$1 - $7,550 10% of taxable income
$7,551 - $30,650 15% of taxable income
$30,651 - $61,850 25% of taxable income
$61,851 - $94,225 28% of taxable income
$94,226 - $168,275 33% of taxable income
Over $168,275 35% of taxable income

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Standard Deduction

Single $5,150
Married filing Jointly/Surviving spouses $10,300
Married filing separately $5,150
Head of household $7,550
Additional for elderly or blind (married) $1,000
Additional for elderly or blind (head of household) $1,250
Additional for elderly or blind (single) $1,250
Taxpayer dependent of another greater of $850 or $300 plus earned income, not to exceed regular standard deduction

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Maximum/minimum rate for net long-term capital gains

Over 12 months 15%/5%
Over 5 years Eliminated

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Personal exemption

$3,300 (zero for individual who is dependent of another taxpayer)

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FICA & self-employment tax

Taxable wages for social security up to $94,200
Maximum social security $5,840
Social security tax rate for both employers and employees 6.20%
Social security tax rate for self-employed 12.4%
Taxable wages for Medicare All
Maximum Medicare tax No limit
Medicare tax rate for both employers and employees 1.45%
Medicare tax rate for self-employed 2.9%
Self-employed health insurance deduction 100%

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Social security earnings limit

Under age 65 and eight months $12,480
Thereafter No limit

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Retirement plan limitations

IRA Contribution Limit $4,000
     50 & over catch-up $1,000
SIMPLE Deferral Limit $10,000
     50 & over catch-up $2,500
401(k) Deferral Limit $15,000
     50 & over catch-up $5,000

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Retirement plan Cost of Living Adjustments (COLAs)

Category For 2006
Compensation Cap for Plan Purposes $220,000
Compensation for Highly Compensated Definition $100,000
Compensation for HCE Definition and Top Paid 20% $100,000
Key Employee Compensation - Officer $140,000
Key Employee Compensation - 1% Owner $150,000
Deferral Limit for 401(k) & SAR-SEPs $15,000
Deferral Limit for 403(b) Plans $15,000
Deferral Limit for 457(b) Plans $15,000
Deferral Limit for SIMPLE IRA Plans $10,000
Maximum Match for SIMPLE IRA Plans $10,000
Minimum Earnings for SEP Contribution Plans $450
Social Security Wage Base OASDI $94,200
Medicare Wage Base Unlimited

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Section 179 Deduction

$108,000 for property placed in service in calendar years 2006.
(SUV Limit - $25,000)
Investment Limitation - $430,000 of qualified property placed in service during 2006.

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Kiddie tax unearned income maximum

$1,700

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Adoption Tax Credit

Expenses up to $10,960 (subject to modified AGI phase-out beginning at $164,410 
to completely phased out at $204,410) per child

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Alternative Motor Vehicle Credit

$3,400 maximum for taxpayer buying a hybrid or lean burn vehicle in 2006.
Company paid expenses $10,960

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Education Loan Interest Deduction

$2,500

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Education Loan Interest Deduction (for AGI)

$2,500

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Estate Tax Exemption

Federal $2,000,000
State of Tennessee $1,000,000

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Top Estate Tax Rate

46%

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Annual Gift Exclusion

$12,000

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Standard mileage allowance

Business 44.5 cents/mile
Charitable activities 14 cents/mile
Medical expense 18 cents/mile
Moving expense 18 cents/mile

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Phase-out income levels (based on adjusted or modified adjusted gross income)

Personal exemption
Single $150,500/$273,000
Joint returns & surviving spouses $225,750/$348,250
Married filing separately $112,875/$174,125
Head of household $188,150/$310,650
Itemized deductions
Single/Joint/Head of Household $150,500
Married filing separately $72,250
College Savings bond interest exclusion
Single/Head of Household $63,100/$78,100
Joint $94,700/$124,700
Married filing separately $0
IRA deductibility (with company pension)
Single/Head of Household $50,000 - 60,000
Joint, when taxpayer has company pension $75,000 - 85,000
Joint, when spouse has company pension $150,000 -160,000
Married filing separately $0-$10,000
Roth IRA eligibility
Single/Head of household $95,000 - 110,000
Joint $150,000 - 160,000
Married filing separately $0 - 10,000
Rollover of regular IRA to Roth IRA $100,000 (not allowed for married filing separately)
Child credit
• $1,000 per child for 2006 for one or more qualifying children
Single/Head of household starts at $75,000
Joint starts at $110,000
Married filing separately starts at $55,000
Education IRA
Single/Head of household
$95,000 - 110,000
Married filing separately $95,000 - 110,000
Joint $190,000 - 220,000
HOPE/Lifetime learning credits
Single/Head of household $45,000 - 55,000
Joint $90,000 - 110,000
Married filing separately $0
Education loan interest deduction
Single/Head of Household $50,000 - $65,000
Joint $105,000 - 135,000
Married filing separately $0
Higher Education Deduction
Single $65,000/$80,000
Joint $130,000/$160,000
Married filing separately $0


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