Kubwereranso Msonkho Wanu: Njira Yopezera Mfuko Yathayo

Kukonzanso ndalama zobwezera msonkho pachaka si ntchito ya boma ayi; ndi ntchito yofunika kwambiri yolonjeza kuti ndalama zofunika pa ntchito za boma kuyambira pa zachitetezo ndi maphunziro a dziko lonse ndi kuteteza dziko ndi makonde. Pamene kuli kwakuti njirayi ingathe kuchititsa kuti mukhale wopanikizika kwambiri, njira yosinthira ku zinthu zodetsa nkhaŵa kukhala zotha kugonjetseka, ngakhale mphamvu, ntchito yapachaka. Wotsogolera wodziwa bwino zinthu amayendera inuyo pa sitepi lililonse lofunika, kuyambira kumvetsetsa malo anu a kukafika pamapeto kwa ntchito yolemba, kukuthandizani kukwaniritsa udindo wanu, kukulitsa mathayo oyenerera, ndi kuyendetsa ntchitoyo modalirana.

Kuona Kuti Msonkho Uli ndi Mathayo

Zofunika zanu zoikizira zimadalira pa zinthu zingapo: malipiro aakulu, kuchuluka kwa ndalama, msinkhu, ndi ngati mungaperekedwe monga wodalira. IRS imaika malo opezerapo ndalama pachaka amene amasankha amene ayenera kujambula. Ngakhale ngati ndalama zanu zichepa pa khomolo, mungafunebe kulembapo malo a misonkho yobedwa kapena kulandira ngongole zobwezeredwa monga ngati Commation Reasure (ETC) kapena Child Tax Court (CTC). Muyambe mwa kukhazikitsa malo anu oyenera kulipira kapena kukwatira, kukwatira kwapadera, kukwatira kwa pawekha, kapena kuyenerera kwa banja lanu, chifukwa chakuti limakhudza kukwera kwanu, msonkho, ndi kukongola kwa ngongole.

, ŵerengerani ndalama zonse zopezedwa: malipiro, malipiro, mathiro (zosimbidwa pa Mafomu W2), malipiro a ntchito yodzigwirira ntchito (Form 1099-NEC kapena 1099-K), chiwongola dzanja ndi mapindu (Form 1099-INT, 1099-UNIC), lopatula ndalama, kugaŵira malo enieni, kupuma pantchito, ndalama zothandizira (kuchitidwa mapangano asanafike chaka cha 2019), ndi ndalama zina zolipidwa. Kumvetsetsa chimene chiyenera kuchitiridwa lipoti , ndi chimene chimasinthanitsa kubwerera kolondola.

Kusonkhanitsa Chikalata Chochirikiza

Musanayambe kudzaza mafomu, sonkhanitsani chikalata chilichonse chosonyeza ndalama zimene mumalandira kapena zimene mungathe kuchepetsa. Kukonza zilembo zimenezi kumathandiza kuti zinthu zisamayende bwino komanso kuchepetsa ngozi ya kusowa manambala ofunika kwambiri.

  • Mapepala olandiridwa: W' W (olembedwa ntchito ayenera kutumiza pa January 31), 1099 (ntchito, ntchito, chiwongola dzanja, phindu, kugaŵira kwapambuyo popuma pantchito), K1 (makampani anzake kapena makampani), ndi mafaelo a ndalama, kugulitsa, kapena kugulitsa zinthu zamakono (kukopa).
  • Kupereka ndi zolembera za ngongole: Makalata kaamba ka zopereka zothandizira anthu, zowonongedwa za mankhwala ndi mano (ngati apereka) chiwongola dzanja cha nyumba (Fom 1098), malipiro a katundu, chiwongola dzanja cha ophunzira (Form 1098-E), kuŵerengera ndi ndalama zolipirira (Fum 1098-T), kulipira kwa ana ndi manambala odziŵikitsa, ndi malisiti owongolera mphamvu zapanyumba.
  • Chidziŵitso cha Health: Mpangidwe 1095-A (Msika), 1095-B (mitu yaing'ono yofunika), kapena 1095-C (ntchito-yolembedwa). Kwa 2024 ndi kupitirira, chilango cha munthu aliyense ndi zero, koma mafomu amene adakali pepala.
  • Kutsimikizirika: manambala a Chisungiko cha Anthu (kapena ITINS) kwa inu, mnzanu, ndi aliyense wodalira, kuphatikizapo madeti a kubadwa.

Kwa antchito aumwini, sonkhanitsaninso mawu a phindu ndi otsatsa malonda, malisiti a ndalama (zogulitsa, ofesi ya panyumba, zipangizo), mitengo ya makilogalamu, ndi zopereka za makonzedwe a kupuma pantchito (SEP IRA, Solo 401k). Kanizani mwa mlingo kapena zithunzi zojambulidwa ndi kuzisunga mosatekeseka kwa zaka zitatu pambuyo pa deti lolemba (windo lotsalira la ndandanda ya kupenda).

Kusankha Njira Yoseŵerera

Njira zitatu zazikulu zilipo kaamba ka kukonza kubwerera kwanu kwa boma. Iliyonse ili ndi malonda a mtengo, kucholoŵana, ndi kuchirikiza kulondola.

SOFUTO YOTCHEDWA MFUNDO ZA MTCHO

Kutsogolera mapulogalamu a zamalonda (TurboTax, H&R Block, TchallSlayer) ndi programu ya IRS Free File kukutsogolerani ku kufunsa, kuŵerengera modzifunira, ndi kuyang'anira ilo. Nzoyenera kubwerera mwachindunji . W-2, ndalama zotsala, ma ngongole oyenerera. Sankhani Baibulo limene limafanana ndi mkhalidwe wanu (m’jere, kope la kudzilemba ntchito kwa antchito a sigigi). Ambiri amapereka mayeso openda a kupenda ndi kutsimikizira kulondola kwa zinthu.

Wokonza Msonkho Waluso

Kubwereranso kocholoŵana . Kusinthana kwa makampani, kuŵerengera, maakaunti achilendo, kudalirana, kapena zochitika za moyo monga ukwati, chisudzulo, kapena imfa ya mkazi . . A CPA, wolembetsa, kapena wokonzetsa wodziŵa bwino kukuthandizani kupulumutsa ndalama ndi kupsinjika maganizo. Zingakuimireni pofufuza, kukhala ndi masinthidwe a malamulo a msonkho, ndipo zikhoza kupereka malangizo a zaka zambiri. Funsirani za mafashoni, ndalama (kaŵirikaŵiri kapena nthaŵi imodzi) ndi kaya amapenda mapepala anu asanaganizidwe.

Kukwera Mapepala

Njira yachibadwa yotumizira pepala la Mafomu 1040 idakalipo koma siichedwa. Kukonza mapepala kungatenge miyezi, makamaka m’nyengo yachitukuko, ndipo zolakwa n’zofala. IRS siifunanso kusaina inki kuti ikhale pepala lobwerera, koma muyenera kusindikiza, kusindikiza, kutumiza makalata ku adiresi yolondola (ikulukulu), ndi kudikira kwa nthaŵi yaitali yokonza. Kungogwiritsa ntchito njira imeneyi ngati mulibe Intaneti kapena muli ndi chifukwa chomveka chopeŵera kutumiza magetsi.

Pulegi yamagetsi (e-file) ndiyo yamphamvu koposa, yotetezereka, ndi njira yolondola koposa. Pafupifupi zonse zobwerera zoperekedwa kupyolera mwa e- file zimakonzedwa mkati mwa milungu itatu ngati musankha malo amodzi osungiramo zinthu zokhalamo. IRS imavomereza kuti i-fashoni ibwezere kuchokera pakati pa January mpaka October 15 (kuwonjezera).

Kukwaniritsa Msonkho Wanu Molondola

Kaya mugwiritsa ntchito pulogalamu ya pakompyuta kapena mapepala, muyenera kusamala kwambiri.

Pezani Chidziŵitso Chaumwini Molondola

Kuyang'ana kaŵiri kalembedwe ka dzina lanu monga momwe limaonekera pa khadi lanu la Social Security. Chilembo chimodzi chosafanana chingadzutse kuchedwa kwa kutsimikizira kapena kuimitsidwa kwa ma deti. Tsiku la SSN, kubadwa, ndi maadiresi ayenera kulingana ndi marekodi a IRS. Kwa odalira, kutsimikizira kuti muyang'anizana ndi mwana woyeneretsedwa kapena ziyeso zopimira: unansi, msinkhu, kuchirikiza, ndi mayeso obwezera pamodzi.

Udzapereke Chowonadi kwa Onse

IRS imalandira makope onse W-2 ndi 1099, ndi njira yake yosonkhanitsira mapepala imayerekezera ndi kubwerera kwanu. Kutumiza ngakhale chiwongola dzanja chaching'ono cha 1099 cha ku banki kuitanira chidziŵitso ndi zilango zothekera. Ngati muli ndi ndalama kapena ndalama zosintha ndalama zimene simunanenedwe pafomu, mukufunikira kusimba mwalamulo. Kukhoza kwa bungwelo kudutsa 76ference fraty 9366 pacty data ndi kokulira; kuwona mtima ndiko lamulo lokha lotetezereka.

Tinene Kuti Lamulo Lililonse la Kupereka ndi Ngongole

Anthu ambiri amapindula ndi kutenga mtengo wokwanira (kwa 2024: Utatu, $2200,200 yokwatirana mogwirizana, $21,900 mutu wa banja). Kokha ngati ndalama zanu zonse zopimira zikuposa mlingo umenewo. Ndalama zoikidwa zimaphatikizapo:

  • M’dzikolo, boma kapena anthu a m’dzikolo amakhoma misonkho kapena kugulitsa zinthu (malikulu ake amakhala madola 10,000)
  • Chiwongola dzanja cha anthu ogula (popeza ngongole yokwana madola 750,000)
  • Zopereka za Accounting (kashe ndi katundu)
  • Ndalama zowonongedwa ndi mankhwala zoposa 7.5% za AGI

Mukhozanso kugula zinthu zonse zimene mungafune kuti mubweze:

  • Ufulu wolandira msonkho (ETC) [1] – kwa antchito otsika . . . . . . . . . . .
  • Throughs ya ana (CTC) – mpaka $2,000 pa mwana aliyense woyeneretsedwa (kukhoza kubwezedwa kochepa).
  • [[MLT: 0] American Opportunity Trough Trust Creasure [AOTC] – mpaka $2,500 pa wophunzira aliyense kaamba ka zowonongedwa za maphunziro oyeneretsedwa zapamwamba.
  • Credit Credit [LLC] [1] – kufika $2,000 ($2,000) pa kubwerera kwa pambuyo pa maphunziro a sekondale.
  • Kusunga Zopereka za Kupereka (Trini Yosungira) [1] – kwa zopereka zotsika ku maakaunti a kupuma pantchito.

Gwiritsani ntchito bungwe lothandiza pa nkhani ya msonkho la IRS.

Kupenda Kubwerera Kwanu Chifukwa cha Zolakwa

Ngakhale ogwiritsa ntchito pulogalamu ya kompyuta angasinthe ndandanda kapena kusankha bokosi lolakwika.

  • Tchulani maina onse, a SSN, ndi masiku a kubadwa kwa inu, mnzanu wa muukwati, ndi aliyense wodalira pa iye.
  • Onetsetsani kuti ndalama zanu za ku banki ndi manambala a ndalama zimene mwasungazo n’zolondola, ndipo dziwani kuti ndalamazo ndi zolondola.
  • Dziŵani kuti chikalata chilichonse cholembedwa kuti ndicho cha ndalama zimene mumalandira, gwiritsani ntchito “zosoŵa za ndalama zimene muli nazo” zopereka lipoti la mapulogalamu ambiri a pa kompyuta amene amapanga.
  • Kawerengeni masamu amene ali papepala lanu kapena mapulogalamu omaliza.
  • Ngati mukukhala ndi malo osungiramo katundu, onetsetsani kuti mwalipira ndalama zoposa theka la ndalama zimene munawononga posunga nyumba ya chaka chonse ndiponso kuti munthu woyenerera amakhala nanu kuposa theka la chaka.
  • Onetsetsani kuti munasaina ndi kuika deti la kubwerera (chikwangwani cha electronic eנfile, ink signate kaamba ka pepala).
  • Kukwera m’ma 2024 kumatanthauza kuti mumagwiritsira ntchito mafomu 2024, osati 2023.

Mapulogalamu ambiri a za msonkho amapereka chikalata chosonyeza kuti mbendera zofiira zofala (mwachitsanzo, ndalama zambiri zochepetsera ndalama zimene antchito amalandira, ndalama zimene amalipira ku ofesi ya munthu wina, mabizinesi apamwamba). Gwiritsani ntchito mfundo imeneyi kuti mupendenso zimene anthu ena anena.

Kugonjera Kubwerera Kwanu

Eûfile ndi muyezo wagolidi. Tsatirani mapulogalamuwo kuti mupereke motsimikizirika ku IRS. Mudzalandira kuvomerezedwa mkati mwa maola 48 , (IRS analandira ndi kupitirira macheke oyambirira) kapena kukanidwa ndi mpambo wolakwika. Konsoko mwamsanga pambuyo pokonza cholakwacho. Nthaŵiyo imakhala April 15 wa chaka chotsatira; ngati ifika pa sabata kapena holide, nthaŵiyo itembenuka ku tsiku lotsatira. Kwa 2024, kubwerera kwa tsiku la pulogalamu ndi April 15, 2025.

Ngati simungathe kulemba pa deti, kulembera Form 4868 (Malamulo Owonjezera Nthaŵi Mwadzidzidzi ku Mafaira) ndi deti loyambirira. Izi zimakupatsani kufikira October 15 kumaliza kubwerera kwanu, koma osapereka nthaŵi yowonjezereka ya kulipira. Kulinganiza msonkho uliwonse wofunikira ndi kulipirira pa April 15 kupeŵe chiwongola dzanja ndi chilango. Kungonyalanyaza kuwonjezera ndi kuchedwa kutulutsa chilango cha 5% pa mwezi (kukwera 25%] pa mali osalipiritsa, kuphatikizapo kulephera kwa 0,000 pa mwezi umodzi.

Kwa mapepala otumizira makalatawo amabwerera, gwiritsirani ntchito makalata ovomerezeka obwereketsedwa ndi lisiti yopemphedwa kutsimikizira ma envulopu a pa nthaŵi yake. Maadiresi ku malo oyenerera a IRS (opezeka m'malangizo a mafomu anu kapena IRS.gov). Sungani makope a zikalata zonse zotumizidwa.

Kumvetsetsa Zokondweretsa ndi Zopereka

Mutalandira, malo anu obwerera angapezedwe mwa kugwiritsira ntchito . . Kodi ndikuti kumene Kufukula Kwanga? chiŵiya pa IRS.gov kapena IRS2 Goreaupp. Kusintha kwa SSN, kukwera, ndi kutayitsa ndalama. Chipangizocho chimasintha tsiku ndi tsiku ndi kusonyeza milingo itatu: Kubwerera, Revond Acred, ndi Refred Send. Marend ambiri a IVP ndi zobwerera mwachindunji ndi zolemba zapaleshoni amatulutsidwa m'masiku 21. Wodwala ndi wobwerera ndi wofufuza angatengere masabata asanu ndi atatu.

Ngati muli ndi ngongole, pali zinthu zingapo zimene mungachite:

  • PHAMBIRA , kusungidwa ndalama zamagetsi za magetsi za kubanki kudzera pawebusaiti ya IRS.
  • System yopereka Tchata cha Maloya (EFTPS) [1] – lembetsa kamodzi; yabwino kaamba ka makampani kapena malipiro aakulu.
  • Makina kapena khadi la ngongole – opangidwa ndi ma tripparty (mapeseti).
  • Sec kapena ndandanda ya ndalama – yoperekedwa ku “United States Treasury,” ndi malipiro (Form 104078V).
  • Kukhazikitsa pangano – kupempha mapulani a malipiro (Form 9465) pa Intaneti ngati simungathe kulipira mokwanira. Chikondwerero ndi malipiro a ndandanda, koma kumapewa chilango choopsa chapambuyo pa 761.

Nthaŵi zonse pangani ndalama zofunikira potengera deti loyambirira (lopanda chiwonjezeko). IRS imalipira chiwongola dzanja tsiku ndi tsiku pa malire osalipiridwa; chilango cha kulephera cha 763.00 chimawonjezereka mofulumira.

Zolakwa Zofala ndi Mmene Mungapewere

Ngakhale anthu amene adziwa bwino ntchitoyi amalakwitsa zinthu zambiri ndipo amayesetsa kuti asasokonezeke.

  • Zolakwika za Math [[FLT :1] - Mu pepala lasokosa, zophophonya zosavuta zowonjezera zikuchedwa kuchitika. Software imachotsa zimenezi, koma kulowa m'zolemba ziwiri (m'b. , Bokosi la WMB2).
  • Kusintha kapena kulakwa SSNS [FLT :1] – Use social Security makhadi, osati kuyerekezera. [1] DVD imodzi yolakwika imapangitsa ngongole kukhala yosaloleka.
  • [[FLT :0] Zolakwika za kusonyeza [1] – Kaamba ka zobwezedwa, okwatirana onse aŵiri ayenera kusaina (kapena kugwiritsira ntchito maPIN kaamba ka ĕfile). Zobwezera zosasainidwa n’zosathandiza.
  • Kulimbana ndi mkhalidwe wolakwika - okwatirana kaŵirikaŵiri amaphonya chosankha cha mutu àhouse house pamene alekanitsidwa; opanga mafaira amodzi amagwiritsira ntchito molakwika mutu àhouse house pamene akukhala ndi wachibale wosayenerera.
  • Kuyang'ana Trinimale – Ngati munapereka ku akhawunti ya kupuma pantchito ndi kukwaniritsa ndalama zimene mumalandira, ngongole imeneyi ingakwanire 50% ya zopereka za Wosamutsayo ($1,000 pa munthu aliyense).
  • Kusasimba za malonda achinyengo [1] - - , ngakhale kugulitsa pang'ono Bitcoin kugulitsa katundu kumayambitsa chochitika chokhometsa msonkho. Gwiritsirani ntchito 8949 ngati mutaya zinthu za magetsi.
  • Kuiŵala kuphatikizapo zobwezedwa za boma -Maboma ambiri amafunikiranso kubwezedwa kwapadera. Patulani boma ndi chisamaliro chofanana, makamaka ngati munasamuka mkati mwa chaka.

Investodia iri ndi chidule chabwino cha zolakwa zobwerezabwereza zimene zingakuthandizeni kuzipeŵa.

Kukonzekera Chaka Chotsatira

Ojambula aluso amagwiritsira ntchito kubwerera kwa chaka chino monga chiŵiya chokonzera ntchito cha chiŵiri. Ngati munakongola ndalama zambiri, kusinthanitsani kuchotsa mwa kupereka ['yatsopano] Form W. [64] kwa abwana anu [1]. Ngati munalandira ndalama zambiri zolipirira, mukupatsa boma chiwongola dzanja chopanda kulipira, lingalirani kuchepetsa ndi kulinganiza kusiyana kwake. Kwa anthu olembedwa ntchito, apangeni ndalama za msonkho kuchotsapo misonkho ndi chiwongoletso chachikulu pa April.

Kambani ndalama zopimira pa pulogalamu kapena pa akaunti ya kubanki yopatulidwa. Muzikhala ndi malisiti a manambala a ndalama zoperekera chithandizo, mankhwala, ndi ndalama zoyendetsera bizinesi. Kafufuzeni zopereka zanu zopuma pantchito ndipo ganizirani kuwonjezera ndalamazo. IRA ndi 401(k) zopereka zochepetsera ndalama zimene anthu amalandira polipira msonkho, pamene maakaunti a Roth amapereka msonkho waulere mu ntchito yapansi.

Kusamalira Makalata Oyankha ndi Openda Makalata

Ngati mulandira kalata kuchokera ku IRS, musachite mantha. Makalata ambiri ndi anthaŵi zonse . Kupempha mafomu ambiri, kukhazikitsa masamu, kapena kukudziŵitsani za kulinganiza koyenera. Ŵerengani mosamalitsa; ilo lidzatchula nthaŵi yoyankha (makamaka masiku 30). Musainyalanyaze. Pitani ndi chidziŵitso chopemphedwacho, ngakhale ngati simukugwirizana. Mukhoza kuitana IRS (nambalayo iri pa kalata) kapena kulemba kalata yotsutsana ndi kusintha kofunikirako. Kusintha kwapang'onong'ono, anthu ambiri amalipira kuti apeŵe kusudzulidwa, koma muli ndi ufulu wa kuchonderera.

ndi kupenda kwatsatanetsatane kwambiri kwa kubwerera kwanu. IRS imasankha kubwerera kwa munthu mwamwambo, chikalata chosonyeza kusagwirizana, kapena mbendera zofiira ngati ndalama zoyendetsera malonda kapena ndalama zothandizira anthu. Ngati atafunsidwa, mudzafunsidwa kupereka ndalama zothandizira kugula zinthu zinazake. Mukhoza kulinganiza mabuku anu ndi kugwirizana nawo. Mungathe kuimira nokha kapena kulipira katswiri wa za msonkho. Mapilo ambiri amayendetsedwa ndi makalata (Corespodince Auficial) ndipo amakonzedwa ndi zolembedwa. Mayeso a kuŵerengera ndalama za malipiro apadera ndi pansi pa 1% . Koma ndi anzerube kunena molondola kuti mupeŵe kupsinjika maganizo.

Zinthu Zina Zothandiza

Simukusunga nokha zinthu zotere, ndipo pali ndalama zambiri zongogula zinthu:

  • IRS .gov – mafomu alamulo, zofalitsa (kuphatikizapo Kufalitsa 17, Federal Inhome TCHOKO), ndi ziŵiya zoperekera.
  • CHUMA CHA POSAKHWALA [1] – kukonzekera ndi kutsanulira amotala ndi AGI pansi pa $79,000 (kwa 2024).
  • VITA (I MPUNDO YA MPHATSO ) [1] MPhindu yaulere ya anthu olandira $64,000 kapena ochepera, anthu olumala, ndi olankhula Chingelezi opereŵera. Pezani malo kudzera ku IRS.gov.
  • [[MLT:0] NTHAŴI (Uphungu wa Okalamba) [[FUT:1] – thandizo laulere kwa azaka 60 ndi achikulire, kugwiritsa ntchito ndalama za penshoni ndi zopuma pantchito.
  • Mabungwe a za msonkho a m'dziko [1] – boma lililonse lili ndi webusaiti yake ndipo kaŵirikaŵiri limapereka mapulogalamu aulere kwa anthu otsika okhala m’dzikolo.
  • Mabungwe a msonkho a ntchito – AICPA ndi NAEA amapatsa mawonero a ma CPA ndi nthumwi zolembetsa.

Kutsatira mautumiki ameneŵa mwamsanga. Kudikira mpaka April 15 kumatsimikizira kupsinjika maganizo ndi zolakwa zothekera. Mwa kulinganiza chaka chonse ndi kugwiritsira ntchito chitsogozo chodalirika, mumasintha pepala la msonkho kuchoka ku thayo lowopsa kukhala ntchito yolunjika, ngakhale yamphamvu.