{"id":46,"date":"2026-05-06T04:00:30","date_gmt":"2026-05-06T04:00:30","guid":{"rendered":"http:\/\/40.233.122.247\/?p=46"},"modified":"2026-05-06T04:00:30","modified_gmt":"2026-05-06T04:00:30","slug":"%ec%ba%90%eb%82%98%eb%8b%a4-%ea%b8%b0%eb%b6%80%ea%b8%88-%ec%84%b8%ec%95%a1%ea%b3%b5%ec%a0%9c-%eb%82%b4-%eb%8f%88%ea%b3%bc-%ec%a0%95%eb%b6%80-%eb%8f%88%ec%9d%84-%ed%95%a9%ec%b3%90-%ea%b8%b0","status":"publish","type":"post","link":"https:\/\/wecansurvive.ca\/?p=46","title":{"rendered":"\uce90\ub098\ub2e4 \uae30\ubd80\uae08 \uc138\uc561\uacf5\uc81c \u2014 \ub0b4 \ub3c8\uacfc \uc815\ubd80 \ub3c8\uc744 \ud569\uccd0 \uae30\ubd80\ud558\ub294 \ubc95"},"content":{"rendered":"

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\"\uae30\ubd80\uae08<\/span><\/figure>\n<\/p>\n

\uce90\ub098\ub2e4\uc5d0 \uc0b0 \uc9c0 \uba87 \ub144\uc774 \uc9c0\ub098\uba74 \ub9e4\ub144 \ubd04 \ud55c \ubc88\uc529 \uc138\uae08 \uc2e0\uace0\ub97c \ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub2e4 \ubcf4\uba74 \ud55c \ubc88\ucbe4 \ub4e4\uc5b4\ubcf4\ub294 \ub2e8\uc5b4\uac00 \uc788\uc8e0 — <\/span>\uae30\ubd80\uae08 \uc138\uc561\uacf5\uc81c(Charitable donation tax credit)<\/b>.<\/p>\n

\ub9d0\uc740 \ub4e4\uc5b4\ubd24\uc5b4\ub3c4 “\uadf8\ub798\uc11c \uc5bc\ub9c8\ub098 \ub3cc\uc544\uc624\ub294\ub370?”\ub77c\ub294 \uc9c8\ubb38\uc5d0 \uc815\ud655\ud788 \ub2f5\ud560 \uc218 \uc788\ub294 \ubd84\uc740 \uc758\uc678\ub85c \ub9ce\uc9c0 \uc54a\ub354\uad70\uc694. \uc800\ub3c4 \uadf8\ub7ac\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc624\ub298\uc740 \uc601\uc218\uc99d \ud55c \uc7a5\uc774 \uc5b4\ub5bb\uac8c \uc138\uae08\uc5d0\uc11c \ucc28\uac10\ub418\ub294\uc9c0, \ub204\uad6c\uc5d0\uac8c \uac00\uc7a5 \uc720\ub9ac\ud55c\uc9c0\ub97c \uae54\ub054\ud558\uac8c \uc815\ub9ac\ud574 \ubd24\uc2b5\ub2c8\ub2e4.<\/p>\n

\ud55c \uc904 \uc694\uc57d<\/h2>\n
\n

\uce90\ub098\ub2e4 \uae30\ubd80\uae08 \ud06c\ub808\ub527\uc740 “\ub0b4 \ub3c8\uacfc \uc815\ubd80 \ub3c8\uc744 \ud569\uccd0 \ub0b4\uac00 \uace0\ub978 \ub2e8\uccb4\uc5d0 \uae30\ubd80\ud558\ub294 \uc2dc\uc2a4\ud15c”\uc774\ub2e4.<\/b><\/p>\n<\/blockquote>\n

\uc870\uae08 \uacfc\uc7a5\ub41c \ube44\uc720\ucc98\ub7fc \ub4e4\ub9ac\uc9c0\ub9cc, \uc22b\uc790\ub97c \ubcf4\uba74 \uc815\ub9d0 \uadf8\ub807\uc2b5\ub2c8\ub2e4. \uc815\ubd80\uac00 \uc808\ubc18 \uac00\uae4c\uc774 \uac19\uc774 \ubd80\ub2f4\ud574 \uc90d\ub2c8\ub2e4.<\/p>\n

\uc791\ub3d9 \uc6d0\ub9ac — \ub450 \ub2e8\uacc4 \uad6c\uc870<\/h2>\n

\uce90\ub098\ub2e4 \uae30\ubd80\uae08 \ud06c\ub808\ub527\uc740 <\/span>\ub450 \uad6c\uac04<\/b>\uc73c\ub85c \ub098\ub269\ub2c8\ub2e4 (BC \uac70\uc8fc\uc790 \uae30\uc900, 2025 \uacfc\uc138\uc5f0\ub3c4).<\/p>\n

\uad6c\uac04\uc5f0\ubc29BC\ud569\uc0b0<\/p>\n\n\n\n\n
\uccab $200<\/td>\n15%<\/td>\n5.06%<\/td>\n20.06%<\/b><\/td>\n<\/tr>\n
$200 \ucd08\uacfc\ubd84<\/td>\n29%<\/td>\n16.80%<\/td>\n45.80%<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

\uc608\ub97c \ub4e4\uc5b4 \ud55c \ud574 \ub3d9\uc548 <\/span>$1,000\uc744 \uae30\ubd80<\/b>\ud588\ub2e4\uba74:<\/p>\n

    \n
  • \uccab $200 × 20.06% = $40<\/li>\n
  • \ub098\uba38\uc9c0 $800 × 45.80% = $366<\/li>\n
  • \ucd1d \uc57d $406\uc774 \uc138\uae08\uc5d0\uc11c \uc9c1\uc811 \ucc28\uac10<\/b>\ub429\ub2c8\ub2e4.<\/li>\n<\/ul>\n

    \uc5ec\uae30\uc11c \ud575\uc2ec\uc740 <\/span>\uc138\uc561\uacf5\uc81c(tax credit)\ub294 \uc18c\ub4dd\uacf5\uc81c(deduction)\uc640 \ub2e4\ub974\ub2e4<\/b>\ub294 \uc810\uc785\ub2c8\ub2e4. \uc18c\ub4dd\uacf5\uc81c\ub294 \uc18c\ub4dd\uc744 \uc904\uc5ec \ubcf8\uc778 \ud55c\uacc4\uc138\uc728\ub9cc\ud07c\ub9cc \uae4e\uc774\uc9c0\ub9cc, \uc138\uc561\uacf5\uc81c\ub294 \uc774\ubbf8 \uacc4\uc0b0\ub41c \uc138\uae08\uc5d0\uc11c \uc815\ud574\uc9c4 \ube44\uc728\uc744 \uadf8\ub300\ub85c \ube7c\uc90d\ub2c8\ub2e4. \uadf8\ub798\uc11c \ud6a8\uc728\uc774 \ud6e8\uc52c \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n

    \uc65c \ud2b9\ubcc4\ud55c\uac00 — \ud55c\uacc4\uc138\uc728\uacfc\uc758 \ube44\uad50<\/h2>\n

    \uce90\ub098\ub2e4\uc5d0\uc11c $1 \ub354 \ubc8c \ub54c \ub5bc\uc774\ub294 \ud55c\uacc4\uc138\uc728\uc740 BC \uc911\uac04 \uc18c\ub4dd(\uc5f0 $50K~$100K) \uad6c\uac04\uc774 \uc57d <\/span>21%~28%<\/b> <\/span>\uc815\ub3c4\uc785\ub2c8\ub2e4. RRSP\ub098 \uc784\ub300\ube44\uc6a9 \uac19\uc740 \uc77c\ubc18 \uc808\uc138 \ub3c4\uad6c\ub294 \ub531 \uadf8 \ud55c\uacc4\uc138\uc728\ub9cc\ud07c\ub9cc \uc138\uae08\uc744 \uc904\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n

    \ubc18\uba74 \uae30\ubd80\uae08 \ud06c\ub808\ub527 $200 \ucd08\uacfc\ubd84\uc740 <\/span>45.8%<\/b> <\/span>— \ud55c\uacc4\uc138\uc728\uc758 \uac70\uc758 <\/span>\ub450 \ubc30<\/b>\uc785\ub2c8\ub2e4.<\/p>\n

    \uac19\uc740 $1,000\uc744 \uc5b4\ub514\uc5d0 \uc4f0\ub290\ub0d0\uc5d0 \ub530\ub77c \uc808\uc138 \ud6a8\uacfc\ub97c \ube44\uad50\ud574 \ubcfc\uae4c\uc694. \ud55c\uacc4\uc138\uc728 21.7% \uac00\uc815.<\/p>\n

    \uc9c0\ucd9c\uc808\uc138 \ud6a8\uacfc<\/p>\n\n\n\n\n\n
    RRSP \ub0a9\uc785 $1,000<\/td>\n\uc57d $217<\/td>\n<\/tr>\n
    \uc784\ub300\ube44\uc6a9 \uc18c\ub4dd\uacf5\uc81c $1,000<\/td>\n\uc57d $217<\/td>\n<\/tr>\n
    \uae30\ubd80\uae08 $1,000<\/b><\/td>\n\uc57d $458<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

     <\/p>\n

    \uadf8\ub798\uc11c “\uc815\ubd80\uc640 \ud568\uaed8 \uae30\ubd80\ud55c\ub2e4”\ub294 \ud45c\ud604\uc774 \uacfc\uc7a5\uc774 \uc544\ub2d9\ub2c8\ub2e4.<\/p>\n

    \ub204\uad6c\uc5d0\uac8c \uac00\uc7a5 \uc720\ub9ac\ud55c\uac00<\/h2>\n
      \n
    • \uc5f0 \uacfc\uc138\uc18c\ub4dd \uc57d $50K~$180K \uad6c\uac04<\/b> <\/span>— \ud55c\uacc4\uc138\uc728\ubcf4\ub2e4 \ud06c\ub808\ub527 \ube44\uc728\uc774 \uc555\ub3c4\uc801\uc73c\ub85c \ub192\uc544 \uac00\uc7a5 \uc720\ub9ac\ud569\ub2c8\ub2e4.<\/li>\n
    • \uc800\uc18c\ub4dd\uc790·\ubb34\uc18c\ub4dd \ubc30\uc6b0\uc790<\/b> <\/span>— \ubcf8\uc778\uc774 \ub0b4\uc57c \ud560 \uc138\uae08\uc774 \uc801\uc73c\uba74 \ud06c\ub808\ub527\uc774 \ub0a8\uc544\ub3c4 \ubabb \uc501\ub2c8\ub2e4(\ube44\ud658\uae09). \uc774\ub54c\ub294 <\/span>\uc138\uae08 \ub9ce\uc740 \ubc30\uc6b0\uc790\uc5d0\uac8c \uc591\ub3c4<\/b>\ud574\uc11c \uccad\uad6c.<\/li>\n
    • \uace0\uc18c\ub4dd\uc790(\uc5f0 $246K \ucd08\uacfc)<\/b> <\/span>— \ucc28\uc774\ub294 \uc904\uc9c0\ub9cc \uc5ec\uc804\ud788 \uc720\ub9ac. \ud2b9\ud788 <\/span>\uc99d\uc2dd\ud55c \uc8fc\uc2dd\uc744 \ud604\uae08\ud654\ud558\uc9c0 \uc54a\uace0 \uc9c1\uc811 \uae30\ubd80<\/b>\ud558\uba74 \uc591\ub3c4\uc18c\ub4dd\uc138\uae4c\uc9c0 \uba74\uc81c\ub429\ub2c8\ub2e4.<\/li>\n<\/ul>\n

      \ubd80\ubd80 \ud569\uc0b0\uc774 \ubb34\uc870\uac74 \uc720\ub9ac<\/h2>\n

      \uc601\uc218\uc99d \uba85\uc758\uc790\uac00 \ub204\uad6c\ub4e0 <\/span>\ubd80\ubd80\ub294 \uc790\uc720\ub86d\uac8c \ud569\uccd0\uc11c \ud55c \uba85\uc774 \uccad\uad6c<\/b>\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

      \uc774\ub54c \ubd84\ubc30\ud558\uc9c0 \ub9d0\uace0 <\/span>\uc138\uae08\uc774 \ub354 \ub9ce\uc740 \ucabd\uc5d0 \ubab0\uc544\uc8fc\ub294 \uac8c \uc815\ub2f5<\/b>\uc785\ub2c8\ub2e4. \uccab $200 \uc800\uc728 \uad6c\uac04(20.06%)\uc774 \uc591\ucabd\uc5d0 \ub450 \ubc88 \uc801\uc6a9\ub418\uba74 \uadf8\ub9cc\ud07c \uc190\ud574\ub2c8\uae4c\uc694.<\/p>\n

      5\ub144\uae4c\uc9c0 \uc774\uc6d4 \uac00\ub2a5<\/h2>\n

      \ub2f9\ud574 \ubcf8\uc778 \uc138\uae08\uc774 \ubd80\uc871\ud574 \ud06c\ub808\ub527\uc744 \ub2e4 \ubabb \uc37c\ub2e4\uba74 <\/span>\ud5a5\ud6c4 5\ub144\uac04 \uc774\uc6d4<\/b>\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4 (Schedule 9). \ub2e4\ub9cc \ub9e4\ub144 \uc18c\ub4dd\uacfc \ud55c\uacc4\uc138\uc728\uc774 \ube44\uc2b7\ud558\ub2e4\uba74 \uad73\uc774 \uc774\uc6d4\ud560 \ud544\uc694\ub294 \uc5c6\uc2b5\ub2c8\ub2e4 — \uadf8\ub0e5 \ub9e4\ub144 \uccad\uad6c\ud558\uba74 \ub429\ub2c8\ub2e4.<\/p>\n

      \ud55c\uad6d \ub2e8\uccb4 \ud6c4\uc6d0\uc740 \uc778\uc815\ub420\uae4c<\/h2>\n

      \ub300\ubd80\ubd84 \uc778\uc815\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/b><\/p>\n

      \ud06c\ub808\ub527\uc744 \ubc1b\uc73c\ub824\uba74 \ubc1b\ub294 \ub2e8\uccb4\uac00 <\/span>CRA(\uce90\ub098\ub2e4 \uad6d\uc138\uccad)\uc5d0 \ub4f1\ub85d\ub41c \uc801\uaca9 \ub2e8\uccb4<\/b>\uc5ec\uc57c \ud569\ub2c8\ub2e4. \ud55c\uad6d\uc5d0 \ubcf8\ubd80\ub97c \ub454 \ube44\uc601\ub9ac\ub294 \ub300\ubd80\ubd84 \ub4f1\ub85d\ub418\uc5b4 \uc788\uc9c0 \uc54a\uc544 \uce90\ub098\ub2e4\uc5d0\uc11c\ub294 \ud06c\ub808\ub527\uc774 \ub098\uc624\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n

      \ud655\uc778 \ubc29\ubc95\uc740 \uac04\ub2e8\ud569\ub2c8\ub2e4. \uc601\uc218\uc99d\uc5d0 <\/span>9\uc790\ub9ac \ub4f1\ub85d\ubc88\ud638<\/b>(\uc608: 12345 6789 RR0001)\uac00 \uc788\uc73c\uba74 \ub4f1\ub85d \ub2e8\uccb4. CRA \uc6f9\uc0ac\uc774\ud2b8\uc758 <\/span>List of Charities<\/b> <\/span>\uac80\uc0c9 \ub3c4\uad6c\uc5d0\uc11c \ub2e8\uccb4\uba85\uc73c\ub85c \uc9c1\uc811 \uc870\ud68c\ub3c4 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n

      \ud754\ud55c \uc624\ud574 \uc815\ub9ac<\/h2>\n
        \n
      • “\uae30\ubd80\ud558\uba74 \ub2e4 \ud658\uae09\ub41c\ub2e4” → \u2717. \ubcf8\uc778 \uc138\uae08\uc774 0\uc774\uba74 \ud658\uae09 \uc5c6\uc2b5\ub2c8\ub2e4(\ube44\ud658\uae09 \ud06c\ub808\ub527).<\/li>\n
      • “\uc601\uc218\uc99d \uba85\uc758\uc790\ub9cc \uccad\uad6c\ud55c\ub2e4” → \u2717. \ubd80\ubd80 \ud569\uc0b0 OK.<\/li>\n
      • “\ud604\uae08\ub9cc \uc778\uc815\ub41c\ub2e4” → \u2717. \uc8fc\uc2dd·\uc99d\uad8c\ub3c4 \uc778\uc815. \uc624\ud788\ub824 \ud6a8\uc728\uc740 \ub354 \uc88b\uc2b5\ub2c8\ub2e4.<\/li>\n
      • “\uc548 \uc4f0\uba74 \uc0ac\ub77c\uc9c4\ub2e4” → \u2717. 5\ub144 \uc774\uc6d4 \uac00\ub2a5.<\/li>\n<\/ul>\n

        \uc815\ub9ac<\/h2>\n
          \n
        • \uccab $200\uae4c\uc9c0 \uc57d 20%, \uadf8 \uc774\uc0c1\uc740 \uc57d 45.8% — \uc138\uae08\uc5d0\uc11c \uc9c1\uc811 \ucc28\uac10(BC \uae30\uc900)<\/li>\n
        • \ub9e4\ub144 $200 \uc774\uc0c1 \uae30\ubd80\ud574\uc57c \ud6a8\uc728\uc774 \uc0b4\uc544\ub0a9\ub2c8\ub2e4<\/li>\n
        • \ubd80\ubd80\ub294 \uc138\uae08 \ub9ce\uc740 \ucabd\uc5d0 \ubab0\uc544 \uccad\uad6c<\/li>\n
        • \uc601\uc218\uc99d\uacfc 9\uc790\ub9ac \ub4f1\ub85d\ubc88\ud638 \uaf2d \ubcf4\uad00, \ucd5c\uc18c 6\ub144<\/li>\n
        • \ud070 \uae08\uc561·\uc99d\uc2dd \uc8fc\uc2dd\uc774 \uac78\ub9b0 \ucf00\uc774\uc2a4\ub294 \ud68c\uacc4\uc0ac\uc640 \uc0c1\uc758<\/li>\n<\/ul>\n

          \uae30\ubd80\ub294 \uc5b4\ub514\uae4c\uc9c0\ub098 \uc0ac\ud68c \ud658\uc6d0\uc774 \ubcf8\uc9c8\uc774\uace0 \uc808\uc138\ub294 \ubd80\uc218 \ud6a8\uacfc\uc785\ub2c8\ub2e4. \ub2e4\ub9cc “\uc5b4\ucc28\ud53c \uc5b4\ub518\uac00\uc5d4 \uc4f8 \ub3c8”\uc774\ub77c\uba74, \uadf8 \ub3c8\uc758 \uac70\uc758 \uc808\ubc18\uc744 \uc815\ubd80\uac00 \uac19\uc774 \ubd80\ub2f4\ud574 \uc8fc\ub294 \uc2dc\uc2a4\ud15c\uc774 \uce90\ub098\ub2e4\uc5d0 \uc874\uc7ac\ud55c\ub2e4\ub294 \uc0ac\uc2e4\uc740 \uc54c\uace0 \uc4f0\ub294 \uac8c \ub0ab\uc2b5\ub2c8\ub2e4. \uce90\ub098\ub2e4\uc5d0\uc11c \uc0b4\uc544\ub0a8\ub294\ub2e4\ub294 \uac74 \uc774\ub7f0 \uc2dc\uc2a4\ud15c \ud558\ub098\ud558\ub098\ub97c \ub0b4 \ud3b8\uc73c\ub85c \ub9cc\ub4dc\ub294 \uc77c\uc774\uae30\ub3c4 \ud558\ub2c8\uae4c\uc694.<\/p>\n

          \n

          \ubcf8 \uae00\uc740 2025 \uacfc\uc138\uc5f0\ub3c4, BC \uac70\uc8fc\uc790 \uae30\uc900 \uc77c\ubc18 \uc815\ubcf4\uc785\ub2c8\ub2e4. \uac1c\ubcc4 \uc0c1\ud669(\uace0\uc561 \uae30\ubd80, \uc8fc\uc2dd \uae30\ubd80 \ub4f1)\uc740 \ud68c\uacc4\uc0ac \uc0c1\ub2f4\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n<\/blockquote>\n

          \n

          \uad11\uace0 \ud55c \ubc88 \ub20c\ub7ec \uc8fc\uc2dc\uba74 \ub2e4\uc74c \uae00 \uc4f0\ub294 \ub370 \ud070 \ud798\uc774 \ub429\ub2c8\ub2e4. \uac19\uc740 \ub3d9\ub124\uc5d0\uc11c \ubc84\ud2f0\uace0 \uc788\ub294 \uc6b0\ub9ac, \uc11c\ub85c \uc751\uc6d0\ud558\uba70 \uac00\uc694.<\/p>\n

          I can survive. We can survive.<\/b><\/p>\n<\/div>\n

          <\/p>\n

          <\/p>\n","protected":false},"excerpt":{"rendered":"

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