Kuzindikira Mathayo Anu a Msonkho: Boma, Boma, ndi Malo

Musanatsegulenso mafomu a msonkho, muyenera kutsimikizira bwino lomwe za udindo wanu walamulo. Mathayo ameneŵa sagwirizana; amadalira pa zinthu zingapo, kuphatikizapo kuyang'anira, ndalama zokwana, kupata ndalama, ndi kumene mumakhala. Kuti boma likhale ndi zolinga, IRS imafuna anthu ambiri kuti alembe ngati ndalama zawo za ndalama zikupitirira mabanjalo. Chaka cha 2024, munthu mmodzi wa msonkho wa zaka zosafika 65 ayenera kulinganiza ngati apeza ndalama zokwana $13,850. Mabanja okwatirana ogwirizana ndi onse aŵiri apabanja pa 65,700. Komabe, ngakhale ngati ndalama zanu zikutsika pansi pa manambala ameneŵa, mungafunikirebe kugula ngati munapeza ndalama za ndalama za ndalama zanu za ndalama zolembedwa paudindowo kapena kulipira ndalama za msonkho yoposa $400 kapena kuposa, kapena ngati mukhoza kukhomakhoma msonkho wapadera.

Maboma ambiri amawonjezeranso ntchito ina yocholoŵana. Maboma ambiri amakhazikitsa msonkho wa ndalama zimene boma limalandira, ndipo boma lililonse limakhazikitsa malamulo ake. Maboma ochepa chabe . Aalaka, Florida, Nevada, New Hampshire (kokha chifukwa cha chiwongola dzanja ndi phindu), South Dakota, Texas, Texas, Washington, ndi Wyoming . Ngakhale kuti munalibe msonkho, mungafunikirebe kulemba zinthu ngati muchita bizinesi kapena mulandira mitundu ina ya ndalama kuchokera ku mayiko ena. Msonkhoma, monga msonkho wa mumzinda kapena wa m'dzikolo, Texas , uli wofala koma supezeka m'malo ngati New York City, Philadelphia, ndi magawo angapo ku Ohio ndi Pennsylvania. Kunyalanyaza msonkho kungakubweretsebe ndalama za msonkho

Key: [[FLT :1] Dziŵani ndandanda yanu ya madesiki pa mlingo wa boma, ndiyeno fufuzani boma lanu ndi zofunika za kwanu. Gwiritsirani ntchito zinthu monga , malangizo a Malo 1040 ndi dipatimenti ya boma lanu ya kampani ya kampani yotsimikizira malo anu oikizira ndalama.

Kuphonya Msonkho Wovuta

Nthaŵi yodziŵika bwino kwambiri ndi Tsiku la Tchalo, limene pa kubwerera kwa boma kwa munthu mmodzi limakhala pa April 15 wa chaka chilichonse. Pamene April 15 afika pamapeto a mlungu kapena holide (monga ngati Tsiku la Kutha kwa Manda ku Washington, D.C.), nthaŵi imaikidwa ku tsiku lotsatira la bizinesi. Chaka cha 2024 (chokhala cha m'chaka cha 2025), nthaŵi yake imakhala April 15, 2025. Komabe, lamulo lachisawawali lili ndi kusiyana kwa mabizinesi ndi anthu m’mikhalidwe ina.

Makampani amalonda amayang'anizana ndi masiku oyenera osiyana. Mwachitsanzo, mayanjano ndi makampani (Opanga Madesiki 1065 kapena 1120-S) ayenera kulembedwa pa March 15. C kaŵirikaŵiri iri ndi deti lokhala ndi deti la mwezi wa April 15, koma angapemphe pulogalamu ya Chingelezi ya miyezi isanu ndi umodzi. Ngati muli propective, mumapanga C monga mbali ya kubwerera kwanu, chotero mumatsatira malire a April 15. Nkofunika kusiyanitsa pakati pa nthaŵi ya [[FLT: 0] kubwerera kwanu ndi nthaŵi ya [FLT:] [FLD]] [2]. Mukhoza kuwonjezera chikole cha msonkho. Kupempha kuwonjezera (madetsedwa 486566) kufikira mu October 15, koma mukumapereka kwa nthaŵi yosapereka kwa pa Khiri.

Kwa awo amene amakhala kunja, kufutukulidwa kodzifunira kumagwira ntchito: Nzika za United States ndi nzika za m'dziko zokhala kunja kwa dzikolo pa April 15 zapeza miyezi iŵiri yowonjezereka (kufikira June 15) kujambula ndi kulipirira, ngakhale kuti chiwongola dzanja chidakali chogwirizana ndi malipiti alionse osalipidwa a tsiku loyambirira. Kuwonjezerapo, mikhole ya masoka olengezedwa ndi boma ingalandire nthaŵi yowonjezereka. Kukhalabe ndi kugonjera, lemba la masiku ameneŵa ndi kuika chikumbutso chaumwini chakusunga mwamsanga kupeŵetsa kuthamanga kwa masiku omalizira.

Mtundu Wofunika wa Msonkho: Utsogoleri Wopondereza

Ngakhale kuti nkhani yoyamba inasonyeza mitundu isanu yofala, panopo pali kusokonezeka kwakukulu kwa zinthu zimene zingakuchitikireni.

Mtundu wa Msonkho wa Munthu Aliyense

  • FORm 1040[FLT :1] - Kubwerera kwa msonkho kwa munthu aliyense. Mafaelo ambiri amagwiritsira ntchito mtundu umenewu. Imaloŵa mmalo madesiki akale 1040A ndi 1040EZ. Imakhala ndi ndandanda zingapo (Studirea 1, Sedyuli 2, etc.) kaamba ka ndalama zowonjezereka, zowongoletsera, ndi ngongole.
  • FORm 1040-SR[FT:1] – A Matembenuzidwe a 1040 olinganizidwa kaamba ka achikulire (azaka 65 kapena kuposa). Ilo liri ndi mapepala aakulu ndipo limaphatikizapo tchati yapamwamba yomangidwa ya mumzera wa zopereka zakale.
  • FORm 1040-NR [FLT :1] – Igwiritsiridwa ntchito ndi alendo osakhalapo omwe ali ndi ndalama za U.S.
  • Choputule C (FORm 1040) [1] – Malipoti a phindu kapena kutayikidwa kuchokera ku propritaship imodzi kapena LLC . Nsonga ya munthu mmodzi.
  • Sucturale E (FORm 1040) [1] [Malipoti a] + FT:1] – Malipoti owonjezera ndi otayika pa lendi, achifumu, kugwirizana, makampani, malo, mapangano, ndi REMIC.
  • Cuffele A (FORM 1040) [1] [1] - Igwiritsidwa ntchito kupangira ndalama zochepetsedwa m’malo mwa kutenga ndalama zochepetsedwa.

Kubwereranso Pankhani ndi Kupereka Lipoti

  • FORm W-2[FLT :1] [1] [1] [1] Wolemba ntchito wanu amene akuonetsa malipiro ndi misonkho yoimanidwa. Muyenera kumatiza kope kubwerera kwanu (kapena e- file ya chidziŵitso).
  • FORm W-2G [1] – Lipoti kupambana kwina kwa kutchova juga.
  • FORm 1099-NEC [1] – Malipoti a kusagwira ntchito, monga kulipirira omanga aufulu. Izi zikuloŵa mmalo Bokosi lakale la Form 1099-MISC.
  • FORm 1099-MISC [1] - imaphimba ndalama zina zopotozedwa monga lendi, mphotho, mphotho, ndi malipiro a zamankhwala.
  • [[FULT:0] FORm 1099-INT[[FULT:1] ndi [[FULT:2] FORM 1099-SUD – Lipoti chiwongola dzanja ndi ndalama zogaŵidwa.
  • FORm 1099-K – Malipoti a khadi ndi malonda a kampani yachitatu (m’chitsanzo, PayPal, Venmo). Khomo la 2024 ndi $5,000 m’malipiro aakulu, koma lalinganizidwira kutsika kufika $600 m’zaka zamtsogolo.

Mafomu a Mabungwe a Mabizinesi

  • [[FULT:0] Form 1120 [FULT :1] - U.S. Corporation Reasure forous (makampani C).
  • [[FULT:0] Form 1120-S[[FULT :1] - U.S. Kulandira Msonkho wa Kubwerera kwa Bungwe la S.
  • Form 1065[FLT :1] - U.S. Kubwerera kwa Infitged Inter (kubwerera chidziŵitso; mabwenzi alandira Setemmale K-1).
  • [[FULT:0] Form 990 [1] – Kubwerera kwa Gulu Kuchotsapo Msonkho wa Ndalama (wogwiritsiridwa ntchito ndi zopanda phindu).

Kawirikawiri chenjerani kuti mugwiritse ntchito njira yolondola ya chaka chilichonse.

Kuchepetsa Madesiki: Standard v.

Malipiro a msonkho amachepetsa ndalama zimene mumalandira monga msonkho. Chosankha chachikulu n’chakuti mukhale ndi ndalama zochepetsera ndalama zimene mumalipira kapena zimene mumaikapo. Kwa 2024, ndalama zoyendetsera ndalamazo ndi madola3,850 pa mafaelo amodzi, $7,700 pa mapepala a ukwati, ndi $20,800 pa mitu ya banja lanu. Ngati ndalama zonse zimene mumapereka ndi ndalama zolipira za ngongole, boma ndi msonkho wa kwanu (SALT) zikukwana madola 7,5%, ndalama zothandizira anthu otsala, ndiponso ndalama zoyendetsera ndalama zoyendetsera ndalama zoyendetsera ndalama zimene munalipira posapereka msonkho.

Kwa eni mabizinesi ndi ntchito zaumwini, ndalama zowonjezereka zolipiridwa. Ndalama zamalonda kapena za bizinesi zimene zili zamasiku onse ndi zofunika zingachotsedwe, kuphatikizapo ndalama zowonongedwa pa ofesi ya panyumba (kugwiritsira ntchito njira yosavuta ya $5 m'mamita atatu m’litali, kapena njira yanthaŵi zonse), ndalama za galimoto (malipiro a makilomita kapena ndalama zenizeni), zida zogulira (monga pansi pa chigawo 179 kapena kukwera mtengo kwake), inshuwalansi ya za thanzi, ndi makonzedwe a zopereka za ntchito (SEPRA, Solo1 (k), ndi etc.

Malipiro ena amene amafunidwa kaŵirikaŵiri amaphatikizapo ndalama zothandizira aphunzitsi (kufikira $300 kwa aphunzitsi), chiwongola dzanja cha ophunzira (kufikira $2,500, potsatira malire a malipiro), ndalama zosungidwa zaumoyo (HSA), ndi ndalama zoikizidwa za zopereka za IRA. Ndalama za . . monga, maboma ambiri samalola kulipiridwa ndalama za msonkho za boma zolipidwa, pamene ena amapereka ngongole kaamba ka zopereka ku ma mapulani 529. Ofufuza malamulo a boma pa [[FT: 0]] Malo ndi ma Crves ndi ma Crcess ndi webusaiti yanu ya boma.

Msonkho: Opereka Msonkho: Opereka Msonkho

Malo a ngongole amachepetsa ndalama zimene mumapereka chifukwa chakuti ndalama zimene mumalipirazo zimachepetsa ndalama zimene mumalipira msonkho.

Mangawa aakulu a msonkho a boma amaphatikizapo:

  • [[FLT: 0] Ufulu wa Ndalama Zopezedwa (ETC) [1] -A Trinible ya antchito ndi mabanja otsika olandira ndalama ndi oyenerera. Kukhoza kumadalira pa ndalama, malo, ndi chiŵerengero cha ana oyeneretsedwa.
  • Throughs ya ana (CTC) --Up mpaka $2,000 pa mwana aliyense woyeneretsedwa pausinkhu wa zaka 17, ndi $600 yobwezedwa pa mwana aliyense pa 2024. Mafaseout amayamba pamlingo wa ndalama zopezedwa bwino.
  • American Opportunity Trought Creat Creen [AOTC] [1] [1] [1] [1] Kufikira $2,500 pa zowonongedwa za maphunziro oyeneretsedwa kwa zaka zinayi zoyambirira za maphunziro a sekondale. Mochepera zokhoza (kufikira $1,000).
  • Indalama ya kuphunzira (LLC) [1] – Up mpaka $2,000 pa kubwerera msonkho pa mlingo uliwonse wa maphunziro a sekondale, osabwezeka.
  • Mwana ndi Chesterial Creasurer [[FLT :1] – Thango losasinthika la zowonongedwa zokhudza kusamalira munthu woyeneretsedwa pamene mukugwira ntchito kapena kufunafuna ntchito.
  • Kusunga Zopereka za Malo Osungiramo (Tchalitchi Chosungira) [1] + FT:1 – kwa anthu olandira motsika kukafika ku kutsika amene apereka ndalama za kulembedwa kwa ntchito yopuma pantchito.

Mayiko ambiri amapereka ngongole zawo, monga ngongole za lendi, mathamo a ma magetsi oikidwa m'malo ena, kapena ngongole za zopereka ku makonzedwe a ku koleji ya boma. Nthaŵi zonse fufuzani ngongole za boma ndi za boma zonse ziŵiri nthaŵi yoikizira isanakwane.

Zosankha Zosangalatsa: Kusankha Njira Yabwino Koposa ya Mkhalidwe Wanu

Pali njira zambiri zokonzera ndiponso kubwezera msonkho, ndipo njira yabwino kwambiri yochitira zimenezi imadalira ndalama zanu, mmene mumadzitonthozera, ndiponso bajeti yanu.

  • IRS IS Free Faill [[FLT :1] - Ngati ndalama zanu zosinthidwa ndizo $79,000 kapena zochepera (kwa 2024), mungagwiritsire ntchito programu yokonza misonkho yotsogozedwa yoperekedwa ndi mabwenzi a IRS popanda mtengo. Programu zina zimapatsanso mafomu aulere a ndalama zimene mungapeze. Ulendo CH FILE Free
  • Imachitira- pulogalamu yaumwini (IYI) ] – maphukusi a malonda monga TurboTax, H&R Block, TchallSlayer, ndi FreeTaxUSA amapereka njira yoperekera malangizo a malipiro. Amasamalira ngongole ndi masheya ndi mapeseji ndi mapulogalamu a gulu ndi boma omwe amabwerera.
  • [[FLT : 0] Mlangizi wotseguka (EA) kapena Wolembedwa Waundukiri wa Anthu (CPA) [1] [1] Kubwereranso kocholoŵana kokhudza bizinesi, kuikizira, ndalama zobwereketsa, kapena ndalama zambiri za mayiko, katswiri angachepetse zophophonya ndi kuwonjezera ndalama zimene wasunga. Funani mapangano kudzera mwa Nhlangano wa Aumrimi Otsegulidwa kapena AICPA .
  • Kulandira Msonkhano wa Mtengo (VITA) / Msonkho Wolangiza wa Okalamba (TEC) [1] – chithandizo chaulere cha msonkho kwa okhoma msonkho okhala ndi ndalama zotsika, kupunduka, luso la Chingelezi lochepa, kapena zaka 60 ndi kukulirapo. Odzipereka odzifunira ovomerezedwa amakonzekera kubwerera ku malo a mudzi.

Ngati musankha njira yotani, e-filfire imafulumira, yolondola kwambiri, ndipo imachititsa kuti marendi afulumire (kaŵirikaŵiri m’masiku 21). Kulemba papepala kungatenge milungu kapena miyezi kuti mupange.

Kulingalira Koipa kwa Boma

Kusintha kwa boma sikuli kope la kubwerera kwanu kwa boma. Boma lililonse lili ndi malamulo ake ponena za ndalama zopitira msonkho, zokwezedwa, ndi ngongole. Ambiri amanena kuti “piggyback” pa ndalama zosinthidwa za boma (AGI) koma kenaka kugwiritsira ntchito kuwongolera kwawo. Mwachitsanzo, boma lingafune kuti muwonjezere ndalama zina za boma (monga boma ndi msonkho wa kumaloko umene mwanena pa Shedynal A) kapena kuchotsa zinthu zimene boma limafuna (monga mapindu a Usungiko kapena ndalama za pa social Speni ya asilikali).

Maboma alinso ndi masiku osiyanasiyana. Pamene kuli kwakuti ambiri amatsatira nthaŵi ya pa April 15, maboma ena (m., Virginia, Delaware) ali ndi madeti awoawo. Ngati mukhala m'boma lina koma mukugwira ntchito ina, mungafunikire kulemba munthu wosakhalako chigawo chimodzi cha chaka kubwerera ku boma lanu ndi kulipira msonkho woperekedwa ku bomalo. Ili ingakhale imodzi ya malo osokoneza kwambiri a kugonjera msonkho. Njira yabwino kwambiri ndiyo kuyamba boma lanu mutabwerera ku boma, ndi kugwiritsira ntchito programu ya pa kompyuta kapena katswiri amene achita masamu ambiri.

Kulangidwa kwa Kusavomereza: Kodi Chimachitika Nchiyani Ngati Muphonya Mphatso Yakufa

Kulephera kukonza kapena kulipira pa nthaŵi yochititsa zilango ndi chiwongola dzanja. Chilango chakuchedwa ndi 5% ya msonkho wosalipidwa wa mwezi uliwonse (kapena kachigawo) kuti kubwererako kwachedwa, kwatsala 25%. Ngati mupanga masiku 60 kuchedwa, chilango chochepa kwambiri ndicho ndalama zokwana madola 455 (kapena 2024 kubwerera) kapena 100% ya msonkho wofunikira. Chilango chapambuyo ndi 0.

Ngakhale ngati simungathe kulipira ndalama zonse zimene munakongola, tumizani ndalama zanu panthaŵi yake kuti mupeŵe chilango chakutha. IRS imalonjeza makonzedwe a malipiro (mapangano a kukwaniritsa) kwa awo amene sangathe kulipira mokwanira. Mungathe kugwiritsa ntchito Intaneti pa mapulani achidule (masiku 1.0 kapena ochepera) kapena mapulani aatali (malipiro a mwezi ndi mwezi). Pali ndalama zoikizira, ngakhale kuti okhoma msonkho ang'ono angayenerere kuchepetsa ndalama. Ngati simungathe kulipira ndi kusagula, mungathe kuika pangozi IRS yobwezera yoloŵa m’malo pa inu (masiku 0 kapena ochepera) pogwiritsira ntchito ndalama zopezedwa pa mwezi wokha kapena ndalama zolipira, zomwe zikuchititsa kulipira msonkho wochuluka.

Kukhalabe Wolinganizidwa Chaka Chonse: Zochita Zabwino Koposa Zosunga Zolembedwa

Njira yothandiza kwambiri yopeŵera kupanikizika ndi misonkho ndiyo kusunga zolembedwa zolinganizidwa chaka chonse. Yambani chikalata chopatulidwa . "zathupi kapena za makono" ndi mapepala a msonkho. Malisiti a mapepala a mapepala a mapepala, mapepala a banki, invoice, ndi maminiage pobwera. Gwiritsirani ntchito mapulogalamu oŵerengera zinthu monga Joffnet Books, Xero, kapena ngakhale pulojekita yopatulidwa kuti mupeze ndalama zimene mumalandira ndi zowonongedwa mwezi uliwonse. Zimenezi sizimasintha pepala lolemba zinthu komanso zimakuchirikizani poŵerengera zinthu.

Makalata ofunika kuwasunga ndi awa:

  • W-2, 1099, K1, ndi zikalata zina zilizonse
  • Makalata oŵerengera ndalama zowonongedwa mosatayika (zogulitsa, zamankhwala, zothandiza anthu, maphunziro, ndi zina zotero).
  • Ndemanga zachidwi zoperekedwa (Form 1098)
  • Malo osungira katundu ndi malisiti a katundu
  • Malipoti a misonkho yoyerekezeredwa yochitidwa m’chaka
  • Zaka zimenezi zisanafike (zaka zitatu mpaka zisanu ndi ziŵiri, malinga ndi malamulo a polekezera)

Makina osungidwa ndi manambala ndi ofufuzidwa a IRS amaloledwa; malisiti a malisiti ndi zikalata zosainidwa. Gwiritsani ntchito pepala la mtambo ndi kutsimikizira kuti mapepala anu akutetezedwa. Mwezi uliwonse mu April, munthu akhoza kudwala mutu kwa maola ambiri.

Kuyerekezera Misonkho ndi Kulinganiza Zopereka

Ngati muli ndi ntchito zanuzanu, womasuka, kapena wolandira ndalama zambiri, muyenera kulipira msonkho woyerekezeredwa kulipira ndalama zinayi kuti mupeŵe chilango chochepa. IRS imafuna kuti mupereke pafupifupi 90% ya msonkho wa chaka chatha kapena 100% wa msonkho wa chaka chatha (100,000% ngati ndalama zanu zosinthasintha zikupitirira $1500,000) mwa kulipira ndalama kapena kuyerekezera. Kuyerekezera misonkho ya msonkho ndi yofunikira pa April 15, June 15, September 15, ndi January 15 pa chaka chotsatira. Mphona mmodzi, ndipo mungapereke chilango ngakhale mutamaliza kuŵerengera ndi kulipira pa Intaneti ndalama 10-40 kudzera mwa IRSCreactive kapena pa Khiriscractic Sy (FUP). Mayiko ambiri angafunikirenso kuyerekezera kwa chaka chotsatira.

Kuti mupeze ndalama zimene mumalipira pa 25 peresenti, onetsetsani kuti ndalama zimene mumalandira panopa ndi ndalama zimene mumalipirazo ndi zimene mumalipira. Ngati ndalama zimene mumalandira zikusinthasintha, mungagwiritse ntchito njira ya kayendetsedwe ka ndalama zimene mumapeza pachaka kuti musinthe ndalama zimene mumalipira pa ndalama zimene mumapeza.

Kukhoma Msonkho Mofala ndi Mmene Mungapeŵere

Nazi zolakwa zimene zimachedwa kubwezera kapena kubwezera:

  • Zophophonya za pepala [1] - Zowonjezera zosavuta kapena zochotsa. Kuŵerengera pulogalamu ya pa Intaneti kumachitidwa mwa dala, koma mafaelo apepala ayenera kupendera mbali iliyonse.
  • Kutsutsa kapena kuphonya manambala a Chisungiko cha Anthu - Qinisekisani SS SS SS, mnzanu, ndi odalira anu. Kusintha modzi kungapangitse kukanidwa.
  • Kulimbana ndi mkhalidwe woipa – Mwachitsanzo, kukonza monga mutu wa banja pamene simukukwaniritsa ziyeneretso, kapena monga kutsanulira pawekha pamene kugwirizana kuli kopindulitsa kwambiri.
  • Kuiwala kupereka lipoti la ndalama zonse - IRS akulandira makope onse W-2 ndi 1099. Malamulo amalembedwa mosavuta. Ngati mulandira 1099 pambuyo pa kulembedwa, mungafunikire kutumiza.
  • Kuyang'ana ngongole ndi zokwepetsa [1] - Kuphonya EITC, ngongole za maphunziro, kapena Sunga ya Wosungayo imasiya ndalama pathebulo. Gwiritsirani ntchito pulogalamu imene imafunsa mafunso padera.
  • Kusaina bwerera [[FLT :1] – magetsi obwezera ayenera kusainidwa ndi PIN; pepala limabwerera kutsanzikana ndi thupi. Mapindu osasainwa amaonedwa kukhala osagwira ntchito.

Kuchepetsa zolakwa, kusonkhanitsa mapepala onse musanayambe, gwiritsani ntchito pulogalamu yokonza msonkho, ndi kukambirana ngati vuto lanu nlovuta. Ngati mutatulukira kuti pali cholakwika pambuyo polemba, mungapereke For 1040-X (kubweza komaliza). Mumakhala ndi zaka zitatu kuchokera pa deti loyambirira lokonza.

Kumaliza

Kudziwa bwino mfundo zofunika za misonkho ndi luso lofunika kwambiri pa zachuma. Mwakumvetsa udindo wanu, poganizira za masiku oikidwiratu, kusankha mafomu oyenera, madesiki ndi ngongole, ndi kusankha njira yoyenerera yosungira misonkho, mungayende ndi chidaliro. Muyenera kuyamba ndi nyengo ya misonkho. Muyenera kukonzekera chaka chonse, ndipo musazengereze kufunafuna malangizo apamwamba pamene mkhalidwe wanu wa msonkho uvuta. Kugwirizana ndi malamulo a boma sikungopeŵa kuletsa chilango / kuyendetsa moyo wanu wa ndalama ndi kupanga zosankha zimene zikukupangitsani kukhala ndi malo abwino. Kaya mukhale mutapanga mapulani kapena kulipira ndalama, nthaŵi imene mumapanga kumvetsetsa njirayo idzapindula kwambiri pambuyo pa April kutha kwa nthaŵi ya April.