薪水保护计划宽恕报告
Background
如果您的公司获得了薪水保护计划贷款，则可以通过贷方申请宽恕。您可以使用爱国者的薪水保护计划宽恕报告，该报告将帮助您填写宽恕申请表。
对于更一般的information, please read our help article,“How to Complete the PPP Loan Forgiveness Application.”另外，请参考SBA’s Paycheck Protection Program Loan Forgiveness Application instructions.
Utilizing the PPP Forgiveness Report
To access the report, go to报告> Payroll Reports > Paycheck Protection Program Forgiveness Report。
To run the report, first, you will need to answer the following questions in the software:
- 您什么时候收到PPP贷款？This is the “start” of your covered period.
- Select the end date of your covered period.This can be anywhere from 8 to 24 weeks after your “start” date.
- Select owner-employee
You will need to select any owners who have received W-2 wages. If the owners do not receive W-2 wages, you do not need to indicate them for the report.
- 点击“继续”and a PDF will download with your Paycheck Protection Program (PPP) Payroll Cost Report.
Use this document to help you fill out the payroll cost sections of your PPP loan forgiveness application. It will give you the amounts needed for filling out portions of Schedule A for the PPP loan forgiveness application.
在接下来的几周内，将在PPP的PPP贷款宽恕报告中进行更多计算，以进一步帮助您申请PPP贷款宽恕申请。
关于PPP宽恕计算的常见问题解答
Question: Which payrolls are included in cash compensation?
The cash compensation column includes all payroll amounts PAID or INCURRED during the covered period. This definition is based on the documentation on thePPP Forgiveness Application.
- “付费”意味着即使付费期不在保险期内，也将完全包括在覆盖期内的任何薪资日期。
- “Incurred” means that any payrolls with pay dates outside of the covered period can still be fully or partially included depending on their pay period. If the whole pay period is within the covered period, then the payroll will be fully included in cash compensation. However, if only part of the pay period is within the covered period, we would prorate that payroll and only include part of it in the cash compensation.
Question: How are prorated payroll amounts calculated?
为了计算部分薪酬期限的部分金额，我们根据薪水期间的天数和落入覆盖期的天数进行编写。这是一个例子：
覆盖期：6/5/2020 - 11/19/2020
付款日期：11/30/2020
Pay Period: 11/1/2020 – 11/30/2020
总工资：$ 2,000
To determine how much of this paycheck would be included in the cash compensation, we need to determine how much of the pay can be allocated to each day and then multiply that by the number of days in the covered period.
首先，我们将2,000美元的总工资除以工资期（30）的天数，每天提供66.67美元。
Then we multiply that by the 19 days that fall between the beginning of the pay period and the end of the covered period (11/1 – 11/19) which gives us $1,266.67.
因此，对于此工资，我们将为2,000美元中的$ 1,266.67纳入现金补偿金额。
Question: Why doesn’t the PPP Forgiveness Report match the Payroll Details for the same period?
The Payroll Details Report shows you any payrolls with a pay date in the period you’ve selected, but the PPP Forgiveness Report also includes amounts incurred during the period and paid after. For more information on how that calculation works, see the previous question.
问题：我在表2中有一名员工，但他们在2019年没有赚100,000美元。他们为什么在表2中？
为了确定员工是否应在表1或表2中，我们必须确定2019年员工收到的任何薪水的年度数量是否超过100,000美元。要年薪，我们将工资除以工资期内的天数，并将结果乘以365。这可能导致员工在2019年赚取不到100,000美元的员工在表2中包括在表2中（基于他们的工资期）。这里有些例子：
如果一名员工在2019年仅获得一项薪水，而薪水为5,000美元，薪水为一周，他们将在表2中结束。要找到这笔薪水的年度数量，您将把5,000美元除以7天薪水期为您每天714.29美元。然后，您将其乘以365，您将获得$ 260,714.29，这超过了表2的100,000美元门槛。
Another example could be where an employee is paid a bonus of $300. If the employer entered that bonus with a pay period of 1 day, the employee could end up in Table 2. You would take the $300 and divide by the days in the pay period—in this case, 1—which still gives you $300. Then, you multiply that by 365, and you get $109,500, which is again over the $100,000 threshold to be included in Table 2.
If you aren’t sure why an employee is in Table 2, look at all of the 2019 paychecks for the employee, and look for any paychecks with short pay periods.
问题：在表1或表2中让员工有什么意义？
Employees in Table 1 can be subject to wage reduction penalties that can reduce the employer’s overall forgiveness. However, employees in Table 2 are not subject to the same wage reduction calculation.