{"id":4649,"date":"2021-07-12T16:24:49","date_gmt":"2021-07-12T22:24:49","guid":{"rendered":"https:\/\/web.blockadvisors.com\/?p=4649"},"modified":"2024-05-15T14:07:23","modified_gmt":"2024-05-15T20:07:23","slug":"what-is-futa","status":"publish","type":"post","link":"https:\/\/www.blockadvisors.com\/resource-center\/small-business-tax-prep\/what-is-futa\/","title":{"rendered":"FUTA: What employers need to know about unemployment tax"},"content":{"rendered":"\n<p>FUTA stands for Federal Unemployment Tax Act, but what does it mean for small business owners? If you\u2019re adding employees to your small business, it likely means additional tax duties for you.<\/p>\n\n\n\n<p>What\u2019s more, FUTA is one of many taxes that impacts forecasting and <a rel=\"noreferrer noopener\" href=\"https:\/\/web.blockadvisors.com\/payroll-tax\/\" target=\"_blank\">payroll<\/a>, making it important to understand as a small business owner. Let\u2019s dig deeper into what FUTA is, the FUTA tax rate for 2022, and how unemployment tax is filed by employers.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"240\" height=\"160\" src=\"https:\/\/www.blockadvisors.com\/resource-center\/wp-content\/uploads\/2024\/05\/FUTA_updated.jpg\" alt=\"\" class=\"wp-image-7777\"\/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-futa-and-who-is-liable\">What is FUTA and who is liable?<\/h2>\n\n\n\n<p>The Federal Unemployment Tax Act is a federal program that assists states in paying for unemployment benefits. It\u2019s in addition to state unemployment tax and funded by the federal unemployment tax that employers pay annually.<\/p>\n\n\n\n<p>Your small business is subject to FUTA if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You pay at least $1,500 in wages to employees (other than farm workers or household workers) in any calendar quarter during the current or prior year, OR<\/li>\n\n\n\n<li>You have at least one employee in any 20 weeks (whether consecutive or not) during the current or prior year who works for at least some part of the day.<\/li>\n<\/ul>\n\n\n\n<p>The exception is if you hire independent contractors. Independent contractor earnings are not applicable to FUTA, and neither are your own if <a href=\"https:\/\/web.blockadvisors.com\/self-employed-taxes\/\" target=\"_blank\" rel=\"noreferrer noopener\">self-employed<\/a>.<\/p>\n\n\n\n<p>Do you already feel a headache coming on? Our small business certified tax pros at Block Advisors can help with your <a rel=\"noreferrer noopener\" href=\"https:\/\/www.blockadvisors.com\/small-business-tax-preparation\/\" target=\"_blank\">small business tax<\/a>, <a rel=\"noreferrer noopener\" href=\"https:\/\/www.blockadvisors.com\/small-business-bookkeeping-services\/\" target=\"_blank\">bookkeeping<\/a>, and <a rel=\"noreferrer noopener\" href=\"https:\/\/www.blockadvisors.com\/small-business-payroll-services\/\" target=\"_blank\">payroll<\/a> questions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-futa-tax-rate-2022-and-tax-credit-eligibility\">FUTA tax rate (2022) and tax credit eligibility<\/h2>\n\n\n\n<p>The FUTA tax rate is 6%. It\u2019s applied to the first $7,000 in wages paid to each employee of your business during a single year (also referred to as the FUTA wage base). Employee earnings beyond the wage base aren\u2019t subject to federal unemployment tax.<\/p>\n\n\n\n<p>The good news? Your business is likely eligible for a FUTA tax credit. A credit of up to 5.4% against the FUTA tax can be made for state unemployment tax payments.<\/p>\n\n\n\n<p>You\u2019ll be able to claim the full credit as long as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You paid state unemployment taxes in-full and on-time, AND<\/li>\n\n\n\n<li>You\u2019re not in a credit reduction state. (As it stands, the only credit reduction state is the U.S. Virgin Islands.)<\/li>\n<\/ul>\n\n\n\n<p>If eligible, that lowers the FUTA tax rate to 0.6%.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-filing-and-paying-futa-tax\">Filing and paying FUTA tax<\/h2>\n\n\n\n<p>FUTA tax is filed using <a href=\"https:\/\/web.blockadvisors.com\/form-940\/\" target=\"_blank\" rel=\"noreferrer noopener\">Form 940<\/a>, the Employer\u2019s Annual Federal Unemployment Tax Return. Form 940 is due each year on January 31. If liability is $500 or less, you can go ahead and pay your FUTA tax with your return via mail or e-file.<\/p>\n\n\n\n<p>If liability is more than $500 for the calendar year, you\u2019ll need to make at least one quarterly payment. Deposit the amount due on or before the last day of the month after the end of the quarter using the <a rel=\"noreferrer noopener\" href=\"https:\/\/www.eftps.gov\/eftps\/\" target=\"_blank\">Electronic Federal Tax Payment System<\/a>, <em>(EFTPS)<\/em>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-looking-for-additional-help-with-federal-unemployment-tax\">Looking for additional help with federal unemployment tax?<\/h2>\n\n\n\n<p>If you\u2019d like to learn more about FUTA or have questions about filing federal unemployment tax, Block Advisors can help. Our small business certified tax pros are able to support you through our small business services, including <a href=\"https:\/\/www.blockadvisors.com\/small-business-tax-preparation\/\" target=\"_blank\" rel=\"noreferrer noopener\">taxes<\/a>, <a href=\"https:\/\/www.blockadvisors.com\/small-business-bookkeeping-services\/\" target=\"_blank\" rel=\"noreferrer noopener\">bookkeeping<\/a>, and <a href=\"https:\/\/www.blockadvisors.com\/small-business-payroll-services\/\" target=\"_blank\" rel=\"noreferrer noopener\">payroll<\/a>, so you can get back to the business you love. <\/p>\n\n\n\n<p>Schedule a free <a href=\"https:\/\/www.blockadvisors.com\/small-business-payroll-services\/professional\/\">professional payroll services<\/a> <a href=\"https:\/\/www.blockadvisors.com\/small-business-payroll-services\/professional\/?app_method=PAYROLL_METHOD&amp;campaignid=xxxxx\">consultation<\/a> today.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>FUTA stands for Federal Unemployment Tax Act, but what does it mean for small business owners? If you\u2019re adding employees\u2026<\/p>\n","protected":false},"author":1,"featured_media":5044,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1171],"tags":[],"class_list":["post-4649","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-small-business-tax-prep"],"acf":[],"yoast_head":"<title>FUTA And Federal Unemployment Tax | Block Advisors<\/title>\n<meta name=\"description\" content=\"How does FUTA impact your small business? 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