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ZIPPER Payroll, Version 1.75 -- README.DOC
This file contains information about installation, registration and
technical support, and revisions to the User's Manual. There is also
an appendix that covers special situations for several states. Check
this appendix to see if your state is included.
USER'S MANUAL
The complete ZIPPER Payroll user's manual is included on-disk as the file
ZIPPER.DOC. The ZIPPER Payroll User's Manual is an ASCII text file that
may be printed on your computer's printer. You can print this file with
the DOS "COPY" command:
COPY zipper.doc LPT1
where LPT1 represents the printer you wish to use (in this case parallel
printer #1). You may also use the DOS "PRINT" command:
PRINT zipper.doc
See your DOS User's Manual for more information about using either of
these commands.
HARDWARE
ZIPPER Payroll runs in the MS-DOS / PC-DOS environment (version 2.0 or
later). ZIPPER will run on the full family of IBM & Compatible PC's.
This means a PC, an XT, or an AT.
ZIPPER Payroll requires approximately 525K of RAM when it loads. If you
have less then this amount available, ZIPPER may still load, but
performance will be reduced. ZIPPER utilizes a 64K memory buffer for
processing (sorting, etc). If the full 64K is not available, ZIPPER will
use your disk drive for this memory space. This will make the program
noticeably slower, or it may not run at all. You should be able to run
ZIPPER Payroll if you computer has 640K of conventional memory, and you
do not have too many TSR (Memory Resident) programs or device drivers
loaded.
ZIPPER Payroll will use any type of color or monochrome monitor. ZIPPER
was designed with a color system in mind, and many of the data entry and
processing screens maximize the use of color by calling your attention to
important items.
It would not be reasonable to use ZIPPER Payroll without a printer.
ZIPPER supports the use of all printers by allowing you to enter the
control codes specific to your printer. ZIPPER supports printing through
three parallel ports (LPT1, LPT2, and LPT3), and two serial ports (COM1,
and COM2).
SHAREWARE
Shareware is a distribution method, not a type of software. Shareware
distribution gives users a chance to try software before buying it. The
author specifically grants the right to copy and distribute the software
only for the purpose of evaluation. With shareware you can find software
that suits your needs before you pay for it. With shareware you can try
before you buy. This is the ultimate money-back guarantee -- if you
don't like the program, and don't use the program, you don't pay for it.
If you try a shareware program and continue using it, you are expected to
register (pay for it).
The fee (usually just a few dollars) you paid to a shareware distributor
or vendor is not the registration fee. SOFTCRAFT, the author of ZIPPER
Payroll, does not receive any of the money you may have paid for the
shareware version of ZIPPER Payroll.
If you find this program useful and continue to use ZIPPER Payroll after
a reasonable trial period (no more than 30 days), you should make a
registration payment of $67.00 to SOFTCRAFT.
ZIPPER Payroll is a "shareware program" and is provided at no charge to
the user for evaluation. Feel free to share it with your friends or
business associates, (you may make any number of copies of your original
shareware distribution disk to share with others) but do not give away
copies that you have altered, or included as part of another system. YOU
MAY NOT MAKE PHOTOCOPIES COPIES OF THE ON-DISK USER'S MANUAL.
██████████████████████████████████████████████████████████████████████████
REGISTRATION
Registration of your evaluation copy of ZIPPER Payroll provides the
following benefits:
* The knowledge that you are helping to support a quality product.
Registration pays the author for the "thousands" of hours that went
into creating ZIPPER Payroll. Registration pays for this effort, and
allows the us to improve and update the program.
* A printed User's Manual.
* The latest version of ZIPPER Payroll. This will include any updates,
improvements, and "bug" fixes.
* Tax table updates for the year following your initial registration.
* One year of some of the best technical support available anywhere,
at any price, for FREE.
* Unlimited access to the shareware collection maintained on the
SOFTCRAFT BBS.
* See the file INCENTIV.DOC for a list of special goodies (provided by
SOFTCRAFT and other vendors) you can get simply by registering your
shareware copy of ZIPPER Payroll.
YOUR EVALUATION COPY OF ZIPPER PAYROLL IS COMPLETELY FUNCTIONAL. IT'S
OPERATION IS NOT "CRIPPLED", LIMITED, OR REDUCED IN ANY WAY FROM THE
REGISTERED VERSION.
A registration form is included with the on-disk User's Manual, or you
print a registration form from within ZIPPER Payroll. The registration
form and registration fee of $67.00 should be sent to:
SOFTCRAFT, 3612 122nd Pl SE, Everett, WA 98208
VOICE: (206) 728-8427 FAX: (206) 337-1842 CIS: 71221,376
SOFTCRAFT BBS (206) 337-7868 (14,400 8/N/1)
██████████████████████████████████████████████████████████████████████████
ANNUAL MAINTENANCE / REGISTRATION
When you become a registered user of ZIPPER Payroll, you receive one year
of technical support. The one year period begins with your registration
date. You will also receive, at the appropriate time, without additional
charge, the tax table updates for the following year.
If you wish to continue to receive technical support beyond the first
year AND receive subsequent tax table updates, you will need to maintain
an active registration status. An active registration status is
maintained by paying an annual maintenance fee of $35.00. SOFTCRAFT will
notify all registered users regarding renewal of their registration
status.
TAX TABLES
The file date of the three tax table files (ZIP95TX1.RBF, ZIP95TX2.RBF,
and ZIP95TX3.RBF) indicated the publication date of the ZIPPER Payroll
tax tables. The shareware versions, due to the timeing of release and
distribution requirements, do not usually contain the latest, or up-to-
date tax tables. Shareware tax tables are usually mid-year releases from
the previous year. Registered users receive the most up-to-date tax
tables available.
TECHNICAL SUPPORT
We are pledged to providing the best possible technical available -
PERIOD. We highly encourage you to attempt to answer your own questions
by first looking in the ZIPPER Payroll User's Manual (ZIPPER.DOC). In
most cases the answer you seek can be found there. In the event you are
still having a problem, please contact SOFTCRAFT.
We are sure that you will understand that support priority must be given
to registered users. Within that context, we will do our best to provide
technical support to unregistered users.
Technical support in one of the following ways:
(1) VOICE: Monday - Friday
(206) 728-8427 7:30am - 11:30am Pacific Time
If support is not immediately available you will be
able to leave voice mail. We will return calls in
the order received, with priority given to registered
users. ALL CALLS WILL BE RETURNED COLLECT.
If you have a fax machine we encourage you to first
send Technical Support Request Form. See (4) FAX,
below for details. Doing so will give us the
opportunity to review your problem before you call.
This will save us time, and save you telephone
charges. It will also help us provide better and
faster support, and allow us to support a larger
number of users. It may also be helpfull to fax
copies of reports or "screen shots" that better
identify your question or problem.
(2) CompuServe: Available 24 hours a day. Address Compuserve
Electronic Mail (E-mail) to:
Ed Protas 71221,376
(3) InterNet: Available 24 hours a day. Address Electronic Mail
(E-mail) to:
71221.376@compuserve.com
(4) SOFTCRAFT BBS: Available 24 hours a day.
(206) 337-7868
Please review the file OUR_BBS.DOC for additional
information about using the SOFTCRAFT BBS.
SOFTCRAFT BBS
EVERETT, WA
(206) 337-7868
Running Mustang! 4.0
14,400 (8/N/1)
(may soon be upgraded to 28,800)
(5) FAX There is a Technical Support Request Form in the file
(206) 337-1842 TECHHELP.DOC. You can also print this form (with your
user information already included) from within
ZIPPER. From the MAIN MENU select (4) System...,
then (5) Registration & Technical Support. Pressing
[F2] will print a Technical Support Request.
Fill out the Technical Support Request COMPLETELY,
and FAX it to SOFTCRAFT at (206)-337-1842.
Doing so will give us the opportunity to review your
problem before you call. This will save us time, and
save you telephone charges. It will also help us
provide better and faster support, and allow us to
support a larger number of users. It may also be
helpfull to fax copies of reports or "screen shots"
that better identify your question or problem.
Make an on-disk copy of the original Technical
Support Request Form. This file can be found as part
of your shareware distribution diskette. The name of
this file is TECHHELP.DOC
Edit this form with your favorite word-processor (in
a non-document mode). At the top of this form, on the
first three lines, add the following:
To: 71221,376
From: (enter your name here)
Subject: ZIPPER Tech Support
You may now fill out this form (as described above
and on the Technical Support Request Form) and upload
it to our CompuServe account. You may request any
type of response (not necessarily by CompuServe).
Before you contact us for technical support you may need to gather some
important information about your computer's operating system. We may need
the settings in your computers AUTOEXEC.BAT and CONFIG.SYS files, and the
results of the DOS CHKDSK.COM command. Included with ZIPPER Payroll is a
small "batch" file that will "get" this information and send it to your
printer. Send the output of this process along with your request for
technical support.
At the DOS prompt type GETDATA and press [Enter].
The following screen appears:
*************************************************************************
THIS BATCH FILE WILL OBTAIN THE INFORMATION FROM YOUR autoexec.bat FILE,
YOUR config.sys FILE, AND THE RESULTS OF THE DOS chkdsk.com UTILITY
FILE. THE RESULTS OF THIS PROCESS WILL BE SENT TO YOUR PRINTER. PLEASE
SEND THIS INFORMATION ALONG WITH YOUR REQUEST FOR TECHNICAL SUPPORT.
*************************************************************************
PROPER USE OF THIS SMALL PROGRAM MAKES CERTAIN ASSUMPTIONS REGARDING THE
CONFIGURATION OF YOUR SYSTEM. IF ANY OF THESE ASSUMPTIONS ARE INCORRECT
YOU WILL NEED TO MODIFY THIS BATCH FILE WHERE IT IS INDICATED. IF YOU
NEED TO MODIFY ANY OF THESE SETTINGS PRESS [CTRL-C] TO ABORT, CHANGE THE
BATCH FILE, AND RE-RUN. REMEMBER TO UPDATE THE CONTENTS OF THIS SCREEN
FILE (getdata.scr) SO THAT YOUR CURRENT SETTINGS WILL DISPLAY BELOW. THIS
PROCESS WILL NOT CHANGE ANY OF THE SETTINGS ON YOUR COMPUTER.
*************************************************************************
YOUR autoexec.bat FILE IS LOCATED AT: [ C:\ ]
YOUR config.sys FILE IS LOCATED AT: [ C:\ ]
YOUR chkdsk.com FILE IS LOCATED AT: [ C:\ ]
OR IS LOCATED IN YOUR "PATH" STATEMENT.
YOUR PRINTER IS CONNECTED TO : lpt1 -- AND IT IS ON-LINE!!!
*************************************************************************
ASP OMBUDSMAN POLICY
SOFTCRAFT is a member of the Association of Shareware Professionals (ASP).
ASP wants to make sure that the shareware principle works for you. If you
are unable to resolve a shareware-related problem with an ASP member by
contacting the member directly, ASP may be able to help. The ASP Ombudsman
can help you resolve a dispute or problem with an ASP member, but does not
provide technical support for members' products. Please write to the ASP
Ombudsman at 545 Grover Road, Muskegon, MI 49442 or send a CompuServe
message via CompuServe Mail to ASP Ombudsman 70007,3536.
USER'S MANUAL REVISIONS & ADDITIONS
Recent changes in the functionality of ZIPPER Payroll required several
programming changes. A few of these changes, due to timing, have not
been documented in the User's Manual (or ZIPPER.DOC). Please review
these changes below.
YEAR TO DATE PAYROLL RECORD SCREEN
When you enter each new employee, ZIPPER creates a Year To Date Payroll
record. If you start ZIPPER Payroll during mid year (see the User's
Manual), you have the ability to enter accumulated values from whatever
system you have previously used. Previous versions of ZIPPER Payroll
and the User's Manual reflect the fact that this information was entered
into one screen. Beginning with release 1.7, the Year To Date Payroll
record now provides three screens. You can move through each field in
the normal manner, or quickly move to each screen by pressing the
[PageDown] and/or [PageUp] keys.
For the most part, the fields are the same, though the layout and order
is quite different. The new screens are easier to read, but at the
expense of not having all this information on just one screen. Sorry,
but we ran out of room.
The main difference are as follows:
State Unemployment (SUTA): This is a new deduction provided for states
where (a portion of) SUTA may be deducted from from the employee. If a
deduction rate in entered into the system screen (Payroll Tax Rates &
Tables, - FICA, FUTA, SUTA, and User Defined, then a deduction will be
calculated.
Pension Plan: This field contains the amount deducted from the
employees pay, regardless whether this amount is subject to FIT. On the
third screen is a section for pension plans. The first field, "Deferred
Earnings" includes only those amounts (included in the Pension Plan
field) that were NOT subject to FIT. There is a similar field for
pension plan deductions that were not subject to SIT (State Income Tax).
There is also a field provided for Employer Contributions to a pension
plan.
PENSION PLANS
Pension plans is a feature that is new with the version 1.7 release.
This is a very powerful feature, and the way in which it has been
implemented in ZIPPER provides a wide range of flexability. Setting up
pensions plans is described in the users manual, ZIPPER.DOC, but the
following information will provide additional insight as to various ways
in which pension plans can be used.
Setting up pension involves two setps: Configuration of the pension plan
(you can configure up to nine different plans); and linking a pension
plan to an employee. The users manual describes these steps.
There are seven fields in each pension plan (Pension Plan 1 through 9).
Plan Name
Employee Deduction Rate
Employer Contribution Rate 1
Employer Contribution Rate 2
Maximum Annual Employee Contribution
Employee Deductions Subject To
Federal Withholding
State Withholding
Plan Name: ZIPPER is initially configured without pension plans. Each
of the 9 available plans comes with the Plan Name as "Unused". Entering
a name is not required, but a descriptive name will be helpful. The
plan name will be displayed in the employee record when an employee is
linked to a particular plan. Having a meaningful name will be helpful
in making sure that the proper plan has been entered into the employee
record.
Note: The next three fields should be entered as a decimal value
representing a percent. EXAMPLE: Enter 6-1/2 percent (6.5%) as 0.065
Employee Deduction Rate: This rate is used to calculate the amount of
the employee's contribution to their pension fund. The rate is
multiplied against the amount of gross pay.
There is also a field in the employee record called Pension Deduction.
This field is a dollar value field that would contain a "flat rate"
pension deduction. This amount is automatically entered by ZIPPER into
the payroll record every time the employee is paid. If the field is
blank, no amount will be entered by ZIPPER. Even if an amount is
entered, you can modify or delete this amount every time payroll is
processed. This field can be used in addition to, or instead of the
Employee Deduction Rate field in the Pension Plan record. The Pension
Deduction is a "flat" deduction, the Employee Deduction (Rate) is a
calculated deduction.
The employee contribution is subject to any amount entered into the
Maximum Annual Employee Contribution field. (See below). If this field
is blank, ZIPPER considers that there is no (annual) limit to the amount
of employee contribution. If there is a value entered, ZIPPER checks to
see whether or not this employee has reached that limit. If so, the
current amount of employee contribution will be limited by such annual
limits. Additionally, the Employer Contribution (Rate 1) (a percent of
the employees deduction) can therefore be affected the amount of the
Maximum Annual Employee Contribution.
Employer Contribution Rate 1: This rate represents a percentage of the
employee deduction. The employee deduction is created by the Pension
Deduction field in the employee/payroll record, and/or the amount
calculated by the Employee Deduction Rate. The employer's contribution
is not considered "defered earnings", and ZIPPER will report such
amounts in Box 14 (Other) of the employee's W-2.
This is one of two methods available to calculate an employer
contribution to a pension fund. Both rates should be entered as a
decimal value (as descirbed above). Only one of these rates should be
used, however. Do not use both rates, as this will cause ZIPPER to not
calculate any employer contribution.
Employer Contribution Rate 2: This rate is used to calculate an
employer contribution based on the amount of gross pay. This rate is
completely independent of any employee contribution. Do not enter a
value in this field if you have entered a value into Employer
Contribution Rate 1. This will create an error condition, and will
cause ZIPPER to not calculate any employer contribution.
Employee Deduction Subject To Federal Withholding: This field, and the
one below work in a similar manner. The field is either blank, ot there
is a check mark displayed. The default is to have the check mark
displayed.
Having a check mark displayed means that any employee deduction
(contribution to a pension plan) will be treated just like any other
deduction. The amount of earnings that make up the employee deduction
is treated like regular wages, and is subject to federal withholding.
This means it is taxable income. This type of configuration could be
used for saving plans, savings bond purchase plans, or any other type of
"after tax" contributions.
Having this field blank means that the deduction is considered non-
taxable, and is treated as "defered earnings". Federal withholding is
not calculated on the amount contributed (by the employee) to a pension
plan. If there is a limit to "non-taxable" employee contributions, an
amount should be entered into Maximum Annual Employee Contribution.
ZIPPER will show any "defered earnings" in Box 13 of the employee's W-2.
Employee Deduction Subject To State Withholding: Same as above.
EXPANDED ALLOWABLE PAYROLL FREQUENCY
In addition to the present allowable payroll frequencies (Monthly,
SemiMonthly, BiWeekly, and Weekly), payroll processing can now be
provided for employees paid Daily, Quarterly, SemiAnnualy, and Annually.
This provides greater flexibility in the payment of bonuses,
commissions, or other "lump sum" allowances on a periodic basis.
Note that the allowable values for Pay Periods per Year field have been
expanded. ZIPPER will now accept the following entries:
1, 2, 4, 12, 24, 26, 52, or 260 (optionally 365)
Existing
12 - Monthly
24 - SemiMonthly
26 - BiWeekly
52 - Weekly
New
1 - Annual
2 - SemiAnnual
4 - Quarterly
260 - Daily (52 weeks x 5 days)
or optionally
365 - Daily (for logical thinkers)
IMPROVED MULTI-STATE PAYROLL (W-2) PROCESSING
This modification allows your company to be located in one state, and
process payroll for another state. A new field has been added to the
COMPANY screen - Calculate withholding for which state:.
You are still limited to processing payroll for only one state per
payroll database. See the ZIPPER Payroll User's Manual (ZIPPER.DOC)
regarding Multi-State payroll. This change makes it easier to have a
"parent" company in one state, and offices in other states.
CHECK PROCESSING OPTIONS
The menu option to simply print payroll vouchers has been eliminated.
Payroll vouchers are still available, but must be accessed either from
the (2) Export or (3) Manual menu selection. On-line help is now
available at this menu.
APPENDIX
SPECIAL CONDITIONS
========================================================================
STATE STANDARD DEDUCTION
ZIPPER uses the following rules with respect to the "State Standard
Deduction".
Although it is possible to enter any single digit number (0 through 9),
the only valid entries are the values 0 through 3.
0 - None
1 - Single
2 - Married
3 - Other
If you enter a value greater than 3, ZIPPER will interpret the entry as
equal to the value for the Married Standard Deduction (2).
You should enter 0 (zero) only if your state provides a zero value. Some
states equate 0 and 1. Unless your state specifically provides a zero
value for no standard deduction, entering a zero will equate to the
Single Standard Deduction.
ARIZONA
Arizona withholding is computed as 20% of the Federal Withholding. Arizona
allows optional (higher) withholding rates of 22%, 28%, and 32%. ZIPPER
uses separate tax tables to provide the various rates. Select the proper
tax table for each employee.
ZIPPER
Arizona Withholding Rate State Tax Table
-------------------------------------------------------------------------
20% (Standard) 1
22% (Optional) 2
28% (Optional) 3
32% (Optional) 4
Employees who earns less than $15,000.00 annually are taxed at the rate of
10%.
ARKANSAS
Arkansas utilizes four standard deductions. Enter the standard deduction
for each employee based on the description below.
ZIPPER
State Category State Standard Deduction
-------------------------------------------------------------------------
1. Single claiming exemption for self 1 - Single
2. Married claiming both exemptions 2 - Married
3. Married claiming exemption for self 3 - Other
4. No personal exemptions claimed 0 - None
CALIFORNIA
California utilizes three tax tables. Select the proper ZIPPER State Tax
Table that corresponds to the California Tax Table.
California ZIPPER
Tax Tables State Tax Table
-------------------------------------------------------------------------
Single Persons, Dual Income Married,
or Married with Multiple Employers 1
Married Persons 2
Head of Household 3
California utilizes four standard deductions. Select the proper ZIPPER
State Standard Deduction that corresponds to the California Standard
Deduction.
ZIPPER
California Standard Deduction State Standard Deduction
-------------------------------------------------------------------------
1. Single (Dual Income Married or
Married w/ Multiple Employers) 1 - Single
2. Married (0 or 1 Allowance on DE-4) 1 - Single
3. Married (2 or more Allowances on DE-4) 2 - Married
4. Unmarried Head of Household 3 - Other
California also provides for "Additional Withholding Allowances for
Estimated Deductions". This is listed in "Table 2 - Estimated Deduction
Table" in the California Personal Income Tax Withholding Guide. The
California "Additional Withholding Allowance" corresponds to the ZIPPER
State Extra Deduction. Enter the number of Additional Withholding
Allowances claimed (Form DE-4 or W-4) into the field for "State Extra
Deductions".
California also provides a "Low Income Exemption". The amount of the
exemption is based on the "marital status" of the individual employee.
ZIPPER determines the "marital status" based on the value entered in the
field for "State Tax Table". ZIPPER determines if the exemption applies
when payroll is computed.
CONNECTICUT
Connecticut recently enacted a personal income tax. Withholding of
income tax became effective October 1, 1991.
The design of the Connecticut withholding system for 1991 does not
conform to the federal withholding system, or any other state system.
We have elected, at this point anyway, to not support automated state
withholding for Connecticut.
In order to use ZIPPER Payroll in Connecticut, you will need to manually
calculate the amount of state withholding for each employee, and place
this figure in the field for Extra State Withholding. You can do this
each time payroll is processed, or place this amount in the individual
employee record. Placing the amount in the employee record will
automatically enter it into the payroll record. This amount can then be
adjusted as necessary.
GEORGIA
Georgia utilizes four tax tables. The values contained in Table G and
Table I are the same.
Georgia ZIPPER
Tax Tables State Tax Table
-------------------------------------------------------------------------
Table F - MARRIED FILING JOINT RETURN 2
(With one having income)
or HEAD OF HOUSEHOLD
Table G - MARRIED FILING JOINT RETURN 3
(Both spouses having income)
Table H - SINGLE INDIVIDUAL 1
Table I - MARRIED FILING SEPARATE RETURN 3
IOWA
Iowa allows a personal tax credit of $20.00 (annual) for the first and
second exemptions claimed, and a $15.00 tax credit for the third and each
subsequent exemption. Most states use only one rate, and ZIPPER does not
provide the ability to utilize multiple rates.
We have elected to use the $20.00 rate, and this will work correctly for
employees who elect only 1 or 2 tax exemptions / credits. Employees who
elect three or more exemptions / credits will consequently not have
enough withholding taken from their pay. The amount of error will be
small, but some employees may wish to have extra state withholding taken
from their check to compensate for this condition. The amount of extra
state withholding must be entered for each employee when the employee is
entered into your payroll database. Extra withholding does not effect
the amount of "normal" state withholding that is computed during payroll
processing. The amount of Extra State Withholding may be modified at any
time, and only effects payroll computed after such changes.
The amount of payroll error (state withholding) produced by this
condition is as follows:
Pay Period Error for each exemption
-------------------------------------------------------------------------
Weekly $ .09
Biweekly .19
Semimonthly .20
Monthly .42
MARYLAND
Maryland uses eight tax tables. Select the proper table based on the
following:
ZIPPER
Maryland Tax Table State Tax Table
-------------------------------------------------------------------------
Table "A" (20% Local Rate) 1
Table "B" (25% Local Rate) 2
Table "C" (30% Local Rate) 3
Table "D" (35% Local Rate) 4
Table "E" (40% Local Rate) 5
Table "F" (45% Local Rate) 6
Table "G" (50% Local Rate) 7
Table "NR" (Nonresident) 8
MASSACHUSETTS
Massachusetts allows a deduction for the amount of U.S. Social Security
(FICA) withheld, up to a maximum amount. ZIPPER has no way of knowing
how much any employee may have contributed to FICA during the current
year through another employer. When you hire an employee who has worked
during the current year for another employer, you should inform this
person that they will be "over-withheld", just as though they had not
worked for another employer. An overpayment may be claimed as a refund,
depending on their overall tax liability.
Massachusetts uses a combination of two exemption values. ZIPPER matches
this condition by using both the State Standard Deduction and the
Personal Exemption.
State Standard Deduction:
ZIPPER
Massachusetts Category State Standard Deduction
-------------------------------------------------------------------------
No personal exemptions claimed 0 - None
Single claiming exemption for self 1 - Single
Married claiming both exemptions 2 - Married
Personal Exemptions: Enter the number of exemptions claimed.
State Extra Deduction: Massachusetts also allows a Blind Exemption. If
an employee is entitled to claim this exemption, the number of blind
exemptions should be entered as State Extra Exemptions.
A claimed spouse counts as "2" exemptions for Massachusetts income tax
withholding purposes. An employee who claims only himself and his wife
is treated as having "3" exemptions. To match this condition, married
persons claiming themselves and their spouse should be entered as follows:
State Standard Deduction: 2
Personal Exemptions : 3 (plus any additional exemptions claimed)
ZIPPER automatically determines if the Massachusetts Low Income Exemption
applies.
MISSOURI
Personal Exemptions:
Missouri allows $1,200.00 for the first allowance, and $400.00 for each
additional allowance for single persons; $1,200.00 for the first
allowance, $1,200.00 for the second allowance, and $400.00 for each
additional allowance for married persons.
ZIPPER equates the Personal Exemption with the $1,200.00 MO W-4
allowances (either 1 or 2). Enter either a 1 (for single employees) or a
2 (for married employees) in the Personal Exemptions field.
State Extra Deductions:
Enter any additional MO W-4 allowances (the $400.00 allowances) in this
field.
MISSISSIPPI
Mississippi utilizes three standard deductions:
ZIPPER
State Category State Standard Deduction
-------------------------------------------------------------------------
1. Single 1 - Single
2. Married or Head of Family 2 - Married
3. Married, both spouses employed 3 - Other
State Tax Table:
Mississippi utilizes the personal exemptions, also called dependents,
(Form 62-420) indicated below:
Single - $6,000.00
Married Individuals (jointly) - $9,500.00
Head of Family - $9,500.00
Dependents - $1,500.00
Aged 65 and over - $1,500.00
Blind - $1,500.00
***********************************************************************
ZIPPER SELECTS THE PROPER PERSONAL EXEMPTION BASED ON THE VALUE ENTERED
IN THE FIELD -- Tax Tables - State:.
***********************************************************************
This may seem confusing, as Mississippi uses only one tax table (a
series of tax rates), regardless of marital status. ZIPPER uses this
field, in this way, ONLY for Mississippi.
If you enter "1" (for Single), ZIPPER will use the $6,000.00 personal
exemption. If you enter any other value (0 through 9), ZIPPER will use
the $9,500.00 personal exemption. We recommend you enter "2" - for
Married, and "3" - for Head of Family. As indicated above, Mississippi
allows the same personal exemption value for both Married and Head of
Family.
Enter the number of additional personal exemptions ("Dependents" - line
4, Form 62-420) for the total number of dependents, aged 65 and over,
and/or blindness in the field "State Extra Deductions:"
If both spouses are employee, Mississippi tax laws allows the spouses to
"share" the $9,500.00 exemption in any manner they choose (in multiples
of $500.00). ZIPPER does not provide this flexibility. An employee will
have to elect to take either the Single ($6,000.00) exemption or the
Married ($9,500.00) exemption.
An alternate means of dealing with this condition would be for a married
individual to take the Single exemption, and then take 1 or 2 personal
exemptions ( totals $7,500.00 or $9,000.00). The spouse would then have
to claim the balance. Another alternate would be to claim 0 (zero)
personal exemptions, and then claim any equivalent number of "Extra
Deductions" (each extra deduction = $1,500.00). These alternate methods
would produce some error if both spouse's worked for you (or the spouse's
payroll was also computed by ZIPPER). The amount of error will not be
significant over the full year, and will not have any effect on the
taxpayers actual liability. It will affect the amount of refund or tax
due.
NEBRASKA
The formula for calculating Nebraska withholding has changed for 1994.
The new method is somewhat different in that it uses a graduated personal
exemption. ZIPPER does not directly support this method, and will create
minor calculation errors for single employees who earn over $26,500.00
annually, or married (including surviving spouse) employees who earn over
$33,000.00 annually. The ANNUAL tax tables appear below.
SINGLE person - including head of household
Annual Income Range Nebraska Credit Per ZIPPER Credit Per
W-4 Allowance W-4 Allowance
_________________________________________________________________________
$ 0 - $26,500 $69.00 $69.00
$26,500 - $35,000 $49.00 $69.00
$35,000 - $80,000 $25.00 $69.00
$80,000 - $ 0.00 $69.00
MARRIED person - including surviving spouse
Annual Income Range Nebraska Credit Per ZIPPER Credit Per
W-4 Allowance W-4 Allowance
_________________________________________________________________________
$ 0 - $33,000 $69.00 $69.00
$33,000 - $42,500 $59.00 $69.00
$42,500 - $60,000 $45.00 $69.00
$60,000 - $80,000 $20.00 $69.00
$80,000 - $ 0.00 $69.00
To compensate for this difference, you can either reduce the number of
Personal Exemptions claimed, or enter an amount of Extra State
Withholding into individual employee records who are in the higher income
ranges. As an example, employees who earn over $80,000 per year should
not claim any ZIPPER Personal Exemptions. Others could be "adjusted" in
a similar manner. Remember these are ANNUAL amounts, so the difference
each pay period should be quite small. Since withholding is an estimated
tax, the overall resulting difference should not be considered
significant.
NEW JERSEY
New Jersey uses five tax tables;
New Jersey ZIPPER
Tax Tables State Tax Table
-------------------------------------------------------------------------
Table "A" 1
Table "B" 2
Table "C" 3
Table "D" 4
Table "E" 5
