Kumvetsa Maziko a Boma ndi Misonkho

Misonkho ndi mwazi wa boma pa dziko ndi dziko lomwe. Chaka chilichonse, anthu mamiliyoni ambiri a ku America amayendetsa ntchito zosiyanasiyana za msonkho wa boma ndi wa boma. Ngakhale kuti njirayi ingakhale yovuta kwambiri, ingakhale yomvetsa bwino zinthu zofunika kwambiri. Mapikitala, mabuloke, masheya, ma ngongole, zofunika, ndi mbuna zina. Ikhoza kusintha udindo wopanikiza kwambiri kukhala mbali ya moyo wanu wa zachuma.

Misonkho Yofunika Kwambiri: Maziko a Ndalama Zogulitsidwa

Msonkho wa boma la United States amaupereka ndi boma kuti apereke maprogramu ndi mautumiki, kuphatikizapo chitetezo cha dziko lonse, dongosolo la zachitetezo, Social Security, Medicare, ndi lamulo la boma. Bungwe la Internal Revenue Service (IRS) limakhoma misonkho imeneyi.

Mitundu Yosiyanasiyana ya Misonkho

  • Ndalama za Msonkhano wa anthu [1]: magwero aakulu koposa a ndalama za boma. Opereka msonkho amalipira mlingo wa ndalama zawo, ndi ziŵerengero zoyambira pa 10% mpaka 37% pa chaka cha 2024. Msonkho umenewu umagwira ntchito ku malipiro, malipiro, ndalama zoikizira ndalama, malipiro, malipiro a ntchito zaumwini, ndi zina zambiri.
  • Kulandira Msonkho [1]: Msonkho wathabwa 21% pa phindu la kampani (pambuyo pa Tsima la Tsala ndi la Ntchito za 2017). Mabungwe ndi mabungwe opatula msonkho kwa eni ake.
  • Kulipira Misonkho [1]: Kudziŵikanso monga misonkho ya FICA, kampani imeneyi ya zachitetezo (12.4% pa malipiro a kapusi) ndi Medicare (.9%, popanda kapusi). Olembedwa ntchito amalipira theka (7.65%) ndi olemba ntchito amalipira theka lofanana. Anthu odzilemba okha ntchito amalipira ndalama zonse ziŵiri.
  • Capital Games Through : Misonkho pa phindu la malonda ochitidwa kwa chaka chimodzi (patali) imakhomedwa pamiyeso yapadera: 0%, 15%, kapena 20% kudalira pa ndalama. Phindu la kanthaŵi (magawo a chaka chimodzi kapena ochepera) amakhomedwa pa malipiro wamba.
  • Catestate ndi Msonkho wa Msonkho [1]: Msonkho wa malo ndi woposa malire a opatula mu 2024. Msonkho wa kupereka mphatso umagwira ntchito pa kusamutsidwa kwa moyo wonse.
  • Misonkho yapamwamba [1]: Misonkho pa zinthu zina monga petulo, moŵa, fodya, ndi matikiti a ndege. Imeneyi kaŵirikaŵiri imaphatikizidwa pa mtengo wogula.

Kuti mupeze tsatanetsatane, pitani pawebusaiti ya [[FL:0] IRS [, magwero audindo a mafomu a msonkho, malangizo, zofalitsa, ndi chitsogozo cha boma.

Misonkho ya Boma: Kupereka Zofunika Kwambiri

Boma lililonse (ndi District of Columbia) lili ndi dongosolo lake la misonkho yopezera ndalama za mautumiki a boma monga maphunziro a boma K-12, mayunivesite a boma, misewu, maulalo, apolisi a boma, mapaki, ndi maprogramu a zaumoyo. Malamulo a msonkho a boma amasiyana mokulira, ndipo maboma ena alibe msonkho wa ndalama.

Msonkho Wofala wa Boma

  • [[FLT: 0] State Inboomit Tchall[[FLT :1] Maboma asanu ndi anayi (Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming) alibe msonkho wa boma pa malipiro opezedwa. New Hampshire Infax ndi mapindu. Maboma ena amagwiritsira ntchito ziŵerengero za msonkho (m.g. Colorado, 4.4%, Pennsylvania 3.07%) kapena dongosolo lomapita patsogolo. Mzerawumba umayenda kuyambira ~1% mpaka 13.3% m'brolake yapamwamba ya California.
  • [[FLT: 0] Maboma asanu alibe msonkho wa boma: Alaska, Delaware, Montana, New Hampshire , ndi Oregon. Maboma apakati ndi msonkho wa malonda amaposa 10% m’mizinda ina.
  • Msonkho wa mlingo [1]: Otchulidwa ndi mabwinja, mizinda, zigawo za sukulu, ndi mabungwe ena a kumaloko pa malo ndi nyumba. Ziŵerengero zimasonyezedwa m'mafakitale (maola pa mtengo wa $000 pa mtengo woyeneretsedwa). Maboma angaperekenso msonkho wa munthu mwini monga magalimoto ndi ziŵiya zamalonda.
  • Misonkho ya kuwonjezera [1]: Misonkho ya boma yamtengo wapamwamba pa mafuta, fodya, moŵa, ndi cannabis m'maiko ololedwa. Mwachitsanzo, misonkho ya gasi ya boma imasiyana kuchokera pa $0.5 pa linu ndi $0,0 pa linu ndi kupitirira $0.
  • [[FLT: 0] Catestate ndi Cholowa Chamakhoma : Maboma ena amakakamiza msonkho wa malo awo (m' lekuatiso, Massachusetts, Oregon) kapena msonkho wa choloŵa (wolipiridwa ndi olandira, monga Nebraska, Pennsylvania).

Chifukwa chakuti malamulo a msonkho a boma amasiyana kwambiri, nthaŵi zonse fufuzani dipatimenti yanu ya zandalama ya boma [[FLT:] kaamba ka chidziŵitso cholongosoka, cha deti lofikira.

Mmene Makete A misonkho Amagwirira Ntchito: Maboma ndi Boma

Kumvetsa mabogi a msonkho n’kofunika kwambiri kuti muone ngati mukuona kuti msonkho ndi wofunika. Anthu ambiri a ku America amangotchula za mtengo wawo wofanana ndi wa ndalama zimene apeza.

Zidutswa Zoyenda Mozungulira (Chithunzi chimodzi)

Taxable IncomeMarginal Tax Rate
$0 to $11,60010%
$11,601 to $47,15012%
$47,151 to $100,52522%
$100,526 to $191,95024%
$191,951 to $243,72532%
$243,726 to $609,35035%
$609,351+37%

Chitsanzo cha Msonkho cha Mapindu : Ngati malipiro anu okhometsa msonkho ali $500,000 (yokha), simumalipira 22% pa ndalama zonse. Mumalipira 10% pa $1,600, 12% pa $3,550, ndi 22% pa $2,850 , msonkho wotsalawonse: $6,8777, pa mlingo wogwira mtima wa ~13.75%.

Kusamalira Boma

Maboma ambiri amatengera mabulosha amene amaonetsa mbali ya boma koma ali ndi mayeso ndi mageti osiyanasiyana. Mayiko ena ali ndi mlingo umodzi wokha. Mabrike angapo (monga Hawaii) ali ndi mizere yambiri. Ngati mukukhala m'boma lopanda msonkho, mumangogwirizana ndi mabuloketi a boma a gawo la ntchito yanu imeneyo . Koma mungakhale ndi malonda apamwamba kapena misonkho ya katundu yoti mubweze. [[FLT]] ft Foundation

Kuchepetsa Minda ndi Mipata

Makampani ndi ma ngongole angachepetse kwambiri ndalama zanu za msonkho, koma amagwira ntchito mosiyana:

Masukulu (Malipiro Ochepetsera Kukhometsa Msonkho)

  • Kudyetsedwa kochepa kwambiri [1]: kwa 2024, $1600 kwa mafaelo amodzi, $29200 kaamba ka mafaelo a ukwati mogwirizana. Opereka msonkho ambiri amatenga ndalama zoikizidwa zoyenerera chifukwa chakuti nzapafupi ndipo kaŵirikaŵiri zazikulu kuposa zoikizidwa za zinthu.
  • Kusintha kwa zopereka [[FLT: 1]: Ngati zowonongedwa zanu zoyenerera zikuposa pa zonulirapo zoyenerera, mungapereke. Zopereka zofala zimaphatikizapo: misonkho ya boma ndi ya kumaloko (SALT) kufika pa $10,000, chiwongola dzanja pa malo aakulu ndi achiŵiri a ngongole, zowonongedwa zamankhwala zopitirira 7.5% za AGI, zopereka zothandizira opanditsa, ndi zowonongeka ndi kubedwa ndi kutayidwa kwa ndalama ndi kuperekedwa ndi boma kwa ngozi.
  • Kutsogolo-kumapeto kwa Malamulo : Liripo mosasamala kanthu za ngati muikapo, kuphatikizapo zopereka ku IRA yamwambo, chiwongola dzanja cha ophunzira (kufikira $2,500), Akhawunti ya za Thanzi Losungira (HSA), zopereka za msonkho wa mwini, ndi chilolezo cha kusudzulana ngati zinatha 2019.

Ufulu wa Msonkho (Makalata- a Chionjezeko)

  • [[FLT: 0] Ufulu wa Thandizo la Mathayo (ETC) [1]: Thandizo lofunikira kaamba ka anthu ogwira ntchito ndi mabanja otsika. Thandizo lalikulu mu 2024 kaamba ka banja la ana atatu kapena oposa ndi $7,830.
  • Throughs ya Ana (CTC) : Kufikira $2,000 pa mwana aliyense woyeneretsedwa pausinkhu wa zaka 17, ndi $1,700 yobwezedwa pa mwana aliyense pa 2024. Mapempho alembetsa kaamba ka ndalama zopezedwa zapamwamba.
  • American Opportunity Trough Trust Credit C [AOTC] [FLT: Kufikira $2,500 pa ophunzira oyenerera kwa zaka zinayi zoyambirira za koleji, zokhoza kubwezedwa pang'ono.
  • Indalama ya kuphunzira (LLC) : Kufikira $2,000 pa kubwerera msonkho pa mlingo uliwonse wa maphunziro a sekondale, osabwezedwa.
  • Through’s Triver : kwa anthu olandira motsika ndi mwachikatikati amene amapereka ndalama ku maakaunti a kupuma pantchito.
  • Mwana ndi Thresi la Chisamaliro [1]: Kufikira $3,000 kwa munthu woyeneretsedwa kapena $6,000 kaamba ka ziŵiri kapena kuposapo, zowonongedwa za kusamalira mwana.
  • Throughs : Tchulani lamagetsi a thambo la thambo la thambo la thambo, lotentha la geother, ndi zina zotero) ndi magetsi okhoza kuwongolera nyumba.

Kuchepetsa Misonkho: Kusamalira Misonkho

Kuyenda Bwino

Malo anu oikizira ndalama amatsimikizira ndalama zimene mumayendera, mabriketi a msonkho, ndi kuyenerera kwa ngongole zina. Malamulo asanu ndi: Umbeta, Mkazi Wokwatirana, Kulekana, Mutu wa Banja (Wosadalirana ndi woyenerera), ndi Qualing Surviving Sviving Special (Wopezeka kwa zaka ziŵiri pambuyo pa imfa ya mwamuna kapena mkazi wanu ngati muli ndi mwana wodalirana). Sankhani mosamalitsa; Mutu wa Banja kaŵirikaŵiri amapereka milingo yabwino kuposa ya Munthu Wokhayokha.

Mafuta Akufa ndi Zowonjezera

Mapindu a msonkho wa Federal ali oyenera pa April 15 chaka chilichonse. Ngati detilo likhala pa mlungu kapena holide, nthaŵi ikupita ku tsiku la bizinesi lotsatira. Mukhoza kupempha kufutukulidwa kwa mwezi 6 (kukafika pa October 15) mwa kukonza Form 4868 . Komabe, kufutukula kwa mafaelo ndi kuwonjezera kwa ndalama zimene mufunikira kupereka, muyenera kuyerekezera msonkho uliwonse ndi kulipira pofika April 15 kuti mupeŵe chiwongola dzanja ndi chilango. Nthaŵi zambiri boma limalinganiza ndi masiku a lamulo, koma osati nthaŵi zonse; kuyang'anira kampani yanu ya boma.

Njira Zopitira

  • [[FLT: 0] Friling (e- file) : Njira yofala, kusala, ndi kulondola. IRS ikusimba 80% + mlingo wovomerezeka pa kuyesa koyamba. Mapilo aulere alipo kwa okhoma msonkho ndi ndalama zochepera $79,000 (2024).
  • [[FLT: 0] Peji Yopitira [1]: Imavomerezedwabe koma kuchedwa ndi kupotoza kowonjezereka. Mudzafunikira kutumiza ku maofesi oyenerera a IRS (kapena dipatimenti ya boma).
  • Programu yokonzekera [[FT: 1] : Programu zonga TurboTax, H&R Block, ndi TruxSlayer imakutsogolerani kukonza ndi kuyang'ana ngati pali zophophonya. Boma lambiri limabwereranso.
  • Ma CPUNIS BOOMY: Malaisensi, olembetsa, ndi maloya a msonkho angakonzere ndi kukonza kubwerera kwanu, makamaka kothandiza pa mikhalidwe yovuta (makampani, kuikizira ndalama, ndalama zopezedwa m'mayiko ambiri).

Zolakwa Zofala Zofunika Kupeŵa

Ngakhale okhoma misonkho mosamalitsa angaphonye. Nazi zolakwa zobwerezabwereza zimene zingachedwetse zobwezeredwa kapena zodzutsa zikwangwani za IRS:

  • Infish Social Security Numeri : Madigigi omasulira kapena maina otsutsa (ayenera kuyenderana ndendende ndi makhadi a SSN).
  • Mawu Odziŵikitsa a Bank [1]: Kaamba ka ma desiki, kutsimikizira akhawunti ndi manambala otsatsa.
  • Machith Marble (osafala ndi e- file koma wothekera): Zophophonya za masamu zopepuka m'kuŵerengera kwa manja.
  • Kukumbukira Kuika Chizindikiro : Kubwerera kosasonyezedwa kumaoneka kukhala kopereŵera. Mafaira ayenera kugwiritsira ntchito PIN (kusankha okha kapena IRS-isued).
  • Kusintha ndalama zopezedwa [1]: W-2, 1099, ndi zikalata zina za ndalama zalembedwa ku IRS; kulephera kusimba kudzadzutsa chidziŵitso chofanana.
  • Kulondola Masheya kapena Zipatala [1]: Kuyang'ana Intelligence Yoperekedwa kapena kulephera kulondola zopereka zothandizira osoŵa.
  • Kulimbana ndi mkhalidwe Wolakwika : Kudzinenera kukhala Mutu wa Banja popanda kuyang'anizana ndi chichirikizo ndi ziyeso za kukhala.
  • Kudziwitsa Popanda Mafuno : Ndalama zoikidwiratu (5% pa mwezi wa msonkho wosalipidwa) zingaunjikike mofulumira.

Mikhalidwe Yapadera: Kudzidalira, Kukhupuka, ndi Ntchito Yakutali

Antchito Odzidalira ndi Odzidalira

Ngati mulandira ndalama kuchokera ku makampani, kukwera mahatchi, kutumiza katundu, kapena ntchito iliyonse yopanda msonkho, muyenera kulipira msonkho wa ntchito yaumwini (15.3% FICA) kuwonjezera pa msonkho wa ndalama zimene mumalandira. Muyenera kulembapo C (Kupanga kapena Kutayikiridwa kwa Mabizinesi) ndi SPULESESSE (Msonkhate) Msonkhoma) . Kuyerekezera ndi msonkho wa 25% imafunikira ngati mukuyembekezera ngongole $000 kapena yowonjezereka ya boma. Kusunga mareko a malonda a zowonongedwa: ofesi, ziwiro, katundu, zopereka, makilomita, kapena ndalama zolipirira zaunitale.

Antchito a Kutali ndi Msonkho wa Magawo Osiyanasiyana

Ngati mumakhala m'boma lina ndipo mumagwira ntchito pakampani ina m'boma, mungafunikire kulemba msonkho m'mayiko onse aŵiriwa. Mkhalidwe wa panyumba panu (monga nzika) ndi boma limene bwana wanu ali (monga wosakhala woyang'anira, ngati bomalo lili ndi "kulandira ntchito ya bwana" lamulo, monga New York, Delaware, Nebraska, kapena Pennsylvania). Mkhalidwe ungakhale wovuta ngati mumagwira ntchito kwakanthaŵi. Nthaŵi zonse funsani katswiri wa za msonkho ngati muli ndi ndalama zambiri.

Kudziwitsana Zinthu Zofunika Kwambiri

  • W-2: Gawo ndi Tchata cha Msonkho kuchokera kwa abwana anu.
  • -neC[[FLT : Kulipira kwa ntchito yosakhala (makampani odalirana).
  • [[ML:0] 1099-INT / 1099-div [[FL:1]: chikondwerero ndi mapindu opezedwa.
  • 1099-G[FLT : Kulipira ulova, boma ndi ndalama za msonkho za kumaloko.
  • Zitsanzo 1040 : Msonkho wa munthu wochuluka wa malipiro ake umabwerera (1040, 1040-SR kwa achikulire).
  • [[FUL:0] Custone A: Desikito zoikizidwa ndi katundu.
  • [[FL:0] C [1]: phindu la ntchito yodzigwirira ntchito / kulephera.
  • [[FL:0] Sucturale E[[FL:1]: malo, uchifumu, mayanjano, ndi zina.
  • [[FULT:0] Form 862[FULT:1] : Kufunika ngati munena kuti EITC ndipo siinali yovomerezeka chaka chimodzi chaka chisanabadwe.
  • Fm 2555[[FLT :1]: Kupatula ndalama zopezedwa kunja kaamba ka maepistat.

Kupereka Msonkho M’tsogolo

Kulinganiza misonkho mwanzeru sikuli kokha pafupifupi April; ndiko ntchito ya chaka chonse imene ikhoza kuchepetsa kwambiri vuto lanu. Taonani njira izi:

  • Contrite ku Maakaunti a Kupuma pantchito [1] : IRA (ikhoza kupezeka ngati mufikitsa ndalama) kapena bwana 401 (k) zopereka zochepetsera ndalama zimene mumalipira. Zopereka za pabanja sizingachepetse msonkho wanu lerolino koma zimapatsa mlingo wa msonkho.
  • KUMAFUTSA HSA MPAMBIRIRO : Maakaunti a za Umoyo amapereka mapindu atatu a msonkho: zopereka zimawonongeka, malipiro amawonjezereka popanda msonkho, ndipo zobweza zofunikira za mankhwala nzaufulu. Kwa 2024, malire ali $4,150 kaamba ka ndalama zaumwini ndi $8,300 kaamba ka kukwaniritsa kwa banja.
  • Gwiritsirani Ntchito Kututa Msonkho-Zokhazikika [1]: Kugulitsa mochepera kuyendetsa ndalama zoikizira kuti mubwezetse ndalama zopezedwa (ndipo $3,000 ya ndalama wamba).
  • Mapepala othandizira anthu osoŵa [: Ngati ndalama zimene mwaikapo zatsala pang'ono kufika pa desiki lotsatizana, lingalirani nthaŵi yowonongedwa (m' lekuatiso, zopereka zothandizira anthu, njira zamankhwala) kuti mupitirire pamapeto pa chaka chimodzi.
  • Gwiritsirani ntchito Malo a Maphunziro: Ngati inu kapena wodalira panu ali ku koleji, AOTC ndi yofunika. Konzekerani kuwonjezera ndalama zoyenerera (ndalama, zolipirira, zotengera za maphunziro) m'zaka zoyenera.
  • Kuyang'ana Kuzemba Kwanu : Chongani W-4 pachaka, makamaka pambuyo pa kusintha kwa moyo (ukwati, chisudzulo, mwana watsopano, ntchito yachiŵiri). Gwiritsani ntchito IRS MTCS Commat Estator pa Intaneti.
  • Ganizirani A Chenner Care FSA : Ngati bwana wanu apereka kwa wina, zopereka zofika pa $5,000 zochepetsera malipiro anu okhoma msonkho ndipo siziri zogonjera ku FICA. Gwiritsirani ntchito izi posamalira ana oyenera.
  • [[NT.0] Mainshuwalansi a moyo wachisanu ndi chotsekereza : Mathangata 100 a thanzi, mano, ndi masiku ambiri a chisamaliro cha inu ndi banja lanu (pamwamba pa mlingo).

Kuti aloŵe m'malo ozungulira kwambiri, malo apakati a msonkho a Intederaia amapereka mazana ambiri a nkhani za njira za msonkho wa milingo yonse ya moyo.

Ndalama Zokhometsa Msonkho

Simuyenera kuyendetsa msonkho nokha, koma muli ndi ndalama zambiri zaulere ndiponso zolipiridwa kuti muthe kumvetsa zinthu zofunika, kulemba bwinobwino, ndiponso kuthetsa mikangano.

  • IRS.GOV : Bukhu lomalizira la boma. Gwiritsani ntchito chiŵiya cha "Pitani Zanga Zofukula", "Kodi Ndingawafunsire Kuti? app, ndi Mthandizi Wamsonkho Wochita Kudzipereka kaamba ka mafunso ofunika. IRS imaperekanso chithandizo chaulere cha msonkho kupyolera mwa VITA (Kupereka Msonkhetso wa Msonkhetso) ndi TCE (Kulangiza Kwa Achikulipilo) kaamba ka kuyenerera opereka msonkho.
  • Departments Invetive [[FLT :1] : Boma lililonse limagwira ntchito webusaiti yake ndi mafomu, malangizo, matebulo a desiki, ndi mapulogalamu a pa port. Seŵerani "[chigawo chanu] kampani ya ndalama" kuti mupeze zanu.
  • [[FLT: 0] . . . . gulu lodziimira pakati pa IRS limene limathandiza okhoma msonkho amene akuvutika ndi ndalama kapena amene sanathe kuthetsa vuto la msonkho kudzera m'njira zamasiku onse. [[FLT:] Kuyendera tas pa Intaneti.
  • Free Consurection Confirst [FLT : Programme ya IRS Free File ikugwirizana ndi makampani onga TchallSlayer, Act, ndi FreeTaxUSA . Ngati ndalama zanu zili pansi pa $79,000, mungathe kugwiritsira ntchito pulogalamu yokonzetsa popanda mtengo.
  • Thandizo la M'ntchito : Ganizirani kulemba pasitipo ya Boma (CPA) kapena Mlangizi wolembedwa (EA) ngati mkhalidwe wanu uli wovuta. Iwo angakuimireni pamaso pa IRS.
  • Malaibulale apoyera akwanuko [1]: Ambiri amapereka mafomu a msonkho waulere ndi chithandizo chimodzi panyengo ya msonkho, kaŵirikaŵiri m'kugwirizana ndi AARP kapena VITA.
  • ISTaxhar Rescher Ahelper Centers (TCS) : Maofesi a maofesi amodzi ameneŵa amapereka chithandizo, koma kuika zinthu nkofunika. Pezani ofesi yapafupi kudzera pa webusaiti ya IRS.

Kumaliza: Kulamulira Mathayo Anu a Msonkho

Kupereka msonkho ndi misonkho ya boma ndi thayo lapachaka limene “‘ ngati mufikiridwa ndi chidziŵitso ndi kulinganiza zinthu kungachepetsedwe ndi kupindulitsa kwambiri. Kumvetsetsa maziko a mmene misonkho imalinganizidwira, kusiyana pakati pa mitundu ya msonkho, mphamvu ya zokwezedwa ndi ngongole, ndi njira zoikizira zikukupatsani mphamvu ya kukhalabe wogonjera, kupeŵa chilango, ndi kusunga ndalama zanu zambiri. Mwakulinganiza chuma chofotokozedwa pamwambapa, kukhala wolinganizidwa chaka chonse, ndi kusintha njira yanu monga malamulo, mukhoza kusintha nyengo yanu ya msonkho kuchokera ku magwero anthaŵi zonse a nkhaŵa yanu ya ndalama. Ngati mukonzekera kubwerera kwanu mogwiritsira ntchito programu kapena ntchito ntchito yaukatswiri, mfungulo wanu ndiyo kukhala yodziŵitsa, mafunso, ndi kusaphonyapo ndi kulephera kuiwala.