Malipiro a msonkho ndi chimodzi cha ziwiya zamphamvu kwambiri zimene zilipo pochepetsa ndalama zimene mumakhoma msonkho. Mwa kuchepetsa ndalama zimene mumalipira, ndalama zimene mumalipirazo zimachepetsa ndalama zimene mumakhoma msonkho, kuteteza ndalama zambiri chaka chilichonse. Komabe, kuyendetsa malo a ndalama zoyendetsera ndalama zoyendetsera msonkho kukhoza kukhala kovuta, ndi malamulo ambiri, ndi kusankha zinthu zimene zingasiyane ndi ndalama zanu za msonkho.

Kodi N’chiyani Chiri Nkhokwe ndi Mmene Zimagwirira Ntchito?

Kuchepetsa msonkho ndi ndalama zimene mungachotse pa ndalama zimene mumalandira musanaŵerengere msonkho. Kwenikweni, ndalama zochepetsera ndalama zanu (] zoikizidwa (AGL) kapena ndalama zolipira [kudalira pa mtundu wa msonkho]. Ndalama zimene mumalipira, ndalama zimene simulipira pamalipiro anu apamwamba. Mwachitsanzo, ngati muli m'gulu la 22% la misonkho ndipo mufuna ndalama zokwana madola 1,000, mumasunga $20 m'misonkhongo.

N’kofunika kusiyanitsa ndalama zimene mungathe kulipira ndi ngongole. Ngongole imachepetsa mwachindunji ndalama zimene mumapereka za msonkho wa dolala imodzi ndi imodzi, pamene kuli kwakuti kuchepetsako kumangochepetsa ndalama zimene mumakhometsa. Malo ndi amtengo wapatali kwambiri, koma ndalama zokwezedwazo n’zofala kwambiri ndipo zingaperekedwe kwa wopereka msonkho aliyense.

Masukulu amaloŵa m’magulu aakulu atatu:

  • Desiki yosayenerera: Ndalama yophwanyika imene okhoma msonkho ambiri angaigule popanda kuika zinthu m'malo mwake.
  • Ndalama zochepetsedwa zodulidwa: Zowonongedwa zachindunji zimene mumalemba pa ndandanda A ngati ziwonjezedwa kuposa pa zochepetsedwa zonse zozoloŵereka.
  • Desiki yoposa: Imatchedwanso masinthidwe a ndalama, zimenezi zachotsedwa pa ndalama zambiri kufikira pa AGI, ndipo mungawalembe mosasamala kanthu kuti mupange bwanji.

Kusankha Kosavuta

Ndalama zimene mumalandira ndizo njira yosavuta yochepetsera ndalama zimene mumalipira msonkho. Ndalamazo zimadalira pa malo amene mumakhala ndipo zimasintha chaka chilichonse kuti muchepetse mtengo wa ndalama zimene mumalipira.

  • Macheke amodzi: $1,600
  • Kugwirizana:[[FLT] $2,200]
  • Mahedi a nyumba:[[FL:1] $2,900
  • Kuikidwa pambali: $1,600

Pa chaka cha 2025, ndalama zimenezi zikulingaliridwa kukwera pang'ono chifukwa cha kukwera mtengo kwa zinthu. Ndalama zapaderazo n’zopindulitsa makamaka kwa okhoma msonkho amene alibe ndalama zambiri zopindulira, monga ngati obwereka ndalama popanda chiwongola dzanja kapena anthu amene ali ndi ndalama zochepa za mankhwala. Kutenga ndalama zoyenererazo kumachepetsa mtengo wanu wa msonkho chifukwa simufunikira kulondola ndalama zilizonse zimene zingawonongeke. Komabe, ngati ndalama zanu zonse zovomerezeka zikuposa ndalama zimene mungafunikire kulipira, muyenera kugula zinthuzo m’malo mwake.

Onani kuti okhoma misonkho ena sayenerera kuchepetsedwa kotheratu, monga ngati awo amene anganenedwe kukhala odalira pa kubwerera kwa munthu wina, kapena anthu okwatira amene amaloŵa molekana pamene munthu wina agula zinthu.

Madesiki Omwe Amachitika: Kuphonya Tsatanetsatane

Kupanga zinthu kungakuthandizeni kuti mupeze ndalama zogulira zinthu, zimene zingawonjezere ndalama zambiri kuposa zimene mungafunikire. Kuti mulembe, kulemberani ndandanda A ndi Masamu 1040. Magulu a zinthu zimene mumakonda kugwiritsa ntchito:

Kuwononga Madokotala ndi Mano

Mukhoza kuchotsa ndalama zopitira mankhwala ndi mano zimene zimaposa 7.5% ya ndalama zanu zosintha. Zowonongedwa zoyenerera zimaphatikizapo maulendo a dokotala, maleza, kugona m’chipatala, mankhwala a mano, ndi ndalama zina zothandizira odwala mano. Kwa 2024, 7.5% siteji yachikhalire (Mwakutsatira Trux Cuts ndi Jobs Act). Mwachitsanzo, ngati AGI yanu ndi $800,000, ndi ndalama za mankhwala zokha zokwana $6,000 zimene zimawonongedwa.

Boma ndi Misonkho ya M’deralo (SALT)

Mungachotsepo msonkho wa ndalama zimene boma limalandira kapena msonkho wa boma, kuphatikizapo msonkho wa katundu. Komabe, ndalama zonse za boma ndi za m'dziko zimaikizidwa pa $10,000 ($5,000) pa misonkho ya ukwati). Kapu imeneyi imagwira ntchito ku boma lonse ndi kumaloko, kuphatikizapo misonkho ya katundu ndi ndalama zimene mumalandira kapena kugulitsa. Opereka msonkho m'maboma apamwamba monga California, New York, ndi New Jersey kaŵirikaŵiri amalingalira mokulira. Onani kuti simungachotse msonkho wa ndalama zimene mumalandira ngati musankha kutula msonkho wa malonda a dzikolo, ndi kugulitsa msonkho wachinyengo.

Chikondwerero cha Panyumba

Chiwongola dzanja cholipidwa pa ngongole yogulira, kumanga, kapena kuwongolera nyumba yanu yaikulu kapena yachiŵiri n’kosatheka, n’kuletsedwa. Zopereka zochotsedwa pa December 15, 2017, mukhoza kuchotsa chiwongola dzanja pa $7500,000 ya ngongole za nyumba yokongola yapaukwati. Malo okongola akale (lisanafike tsikulo), malirewo ali $1 miliyoni. Miyeso yolipirira kukongola kwa ngongole ingachotsedwenso pa moyo wa loniyo.

Zopereka Zothandiza Anthu

Zopereka zoperekedwa ku mabungwe oyenerera n’zoperewera. Mukhoza kuchotsa ndalama zoperekedwa ku mabungwe othandizira anthu osoŵa, katundu, ngakhalenso malo amene mukupita kuntchito yothandiza anthu. Mu 2024, ndalama zoyendetsera mabungwe a boma zangokwanira 60% mwa ndalama zimene mabungwe akupereka ku makampani a boma amapereka. Muyenera kuonetsetsa kuti makampani opereka ndalamazo alemba pa mapepala othandizira anthu osauka ndalama zokwana madola 250 kapena kuposa.

Zotsekemera Zina

  • Kutaikiridwa ndi Kutaikiridwa : Kokha kukhoza kulephera ngati zichitika m'malo olengezedwa mwalamulo , ndi pa mlingo woposa 10% ya AGI yanu.
  • Kutayikiridwa kwa kutchova juga: N’kotheka kufika pa mlingo wa kupambana kochitidwa lipoti kukhala ndalama.
  • Nyonga za Ntchito Zosafunika: kwa antchito ambiri W2, izi sizikuthanso pambuyo pa Trust Cuts ndi Jobs Act (2025). Komabe, magulu ena onga ngati Armed Forces Reservist, kuchita zaluso, ndi kulipira boma kapena akuluakulu a boma angayenererebe.

Mabuku apamwamba a Mavesi (Aamboni Ofika Patsogolo)

Masheya apamwamba pa mlingo wa magetsi ndi ofunika kwambiri chifukwa mukhoza kuwalemba ngakhale mutatenga ndalama zochepetsera. Amachepetsa mwachindunji AGI yanu, imene ingachititse kuti muyenerere mapindu ena a msonkho amene amalekeza pamlingo wa ndalama zimene mumalandira. Zomwe zili pamwamba pa mlingo wa mlingo wapamwamba wa ndalama zimene mumalandira:

Ndalama Zoperekedwa ndi Aphunzitsi

K-12 aphunzitsi, alangizi, aphungu, ndi ziŵiya zingachotsere $300 (yokhala ndi kukwera mtengo; kwa 2024 ndi $300, ndi 2025 angawone chiwonjezeko chochepa) kaamba ka zoperekedwa za m'kalasi zosapimidwa. Ngati okwatirana onse aŵiri ali aphunzitsi oyenerera, malire ali $600.

Kukondwera ndi Wophunzira

Mukhoza kuchotsa ndalama zokwana madola 2,500 pa ngongole za ophunzira oyenerera.

Zopereka za IRA

Ngati mupereka ku IRA yamwambo, mukhoza kuchotsa choperekacho kudalira pa ndalama zimene mumapeza ndi kaya inu kapena mnzanu wa muukwati muli ndi makonzedwe akupuma pantchito. Kwa 2024, ndalama zoperekera ndizo $$8,000 ngati muli ndi zaka 50 kapena kuposapo). Chigawo cha kulephera kusuntha chimayambira pa $77,000 mpaka $8770,000 kwa olemba mafaelo a munthu mmodzi ndi mapulani a kuntchito, ndi $123,000 kufika ku $143,000 kwa olemba makalata a anthu onse amene akuthandizana ndi mnzakeyo.

Kupereka Zopereka Zopulumutsa Thanzi (HSA)

Ngati muli ndi mapulani a zaumoyo okhoza kupezeka kwambiri (HDHP), zopereka ku HSA n’zosagwiritsidwa ntchito. Kwa 2024, malire ndi $4,150 kuti mudzipereke nokha ndi $8,300 kuti mupereke kwa banja. Ndalama zina zokwana madola 1000 zimaloledwa kwa anthu a zaka 55 ndi kuposa. HSA zimaperekedwanso kwaulere pamene achotsedwa pa zowonongedwa zamankhwala.

Kudzichitira Inshuwalansi ya Zaumoyo ndi Kupuma Pantchito

Anthu olembedwa ntchito yolembedwa okha angachotse ndalama zimene amafunikira ku inshuwalansi ya zaumoyo, anzawo a muukwati, ndi odalira anzawo. Akhozanso kuthandizira ku SEP IRAs kapena solo 401 (k) ndi kuchotsa ndalama zimenezo. Masheyawa amatengedwa pamwamba pa ndandanda.

Ziphunzitso za Mabizinesi za Anthu Odzidalira

Ngati muyendetsa bizinesi monga kampani yokha, womanga yekha, kapena chigawo chimodzi cha LLC, mungachotse ndalama zowonongedwa wamba ndi zofunika zopezedwa m'bizinesi. Mapeto aakulu amaphatikizapo:

  • [[FLT: 0] Ofesi ya Panyumba: Ngati mugwiritsira ntchito mbali ya nyumba yanu nthaŵi zonse ndi yokha kaamba ka bizinesi, mungachotse gawo la chiwongola dzanja chanu cha lendi kapena cholowa, zinthu zofunikira, inshuwalansi, ndi kukonza. Gwiritsirani ntchito njira yosavuta (pa mahekitalalalamita 50 pamiyendo iŵiri) kapena njira yanthaŵi zonse yozikidwa pa zowonongedwa zenizeni.
  • Zowonongedwa: Mungachotse zowonongedwa za galimoto zogwirizana ndi malonda pogwiritsa ntchito mlingo woyenerera wa masentimita 65.5 pa 2024) kapena zowonongedwa zenizeni monga gasi, kukonza, ndi kutsika kwa galimoto.
  • Kufufuza ndi zopereka: Makompyuta, mapulogalamu, mipando ya ofesi, ndi katundu zimawonongeka kwambiri ngati zigwiritsiridwa ntchito pa bizinesi. Ngati zinthu zamtengo wapatali, mungafunikire kuzichotsa m'kupita kwa nthaŵi.
  • Travel, Zakudya, ndi Zosangulutsa: Ulendo wa mabizinesi (kokha, malo ogona) ngwosagwiritsidwa ntchito. Zakudya ndi makasitomala kapena abizinesi ndi 50% yotayika. Zosangulutsa sizikuthanso kuyambira 2018.
  • Inishuwansi ya zamalonda ndi zopereka za kuleka ntchito: Mandasi a inshuwalansi yandalama, inshuwalansi ya zaumoyo (monga momwe zatchulidwa pamwambapa), ndi zopereka ku SeP IRAs kapena solo 401(k).

Anthu amene amagwira ntchito yolembedwa okha ayenera kuonetsetsa kuti akugwira ntchito ndi katswiri wa za msonkho kuti aone ngati akulandira ndalama zonse zofunikira ndiponso kutsatira malamulo a IRS.

Zoyesayesa Zokulitsa Maselo Anu

Kukonzekera pasadakhale kungawonjezere kwambiri ndalama zimene mwalemba.

Mabotolo Otseguka

Popeza kuti ndalama zochepetsedwa zapaderazo zimakwera TCJA itatha, okhoma misonkho ambiri amavutika kupitirira malire a kutumiza zinthu. Njira imodzi ndi kusonkhanitsa ndalama zothandizira anthu pa zaka ziwiri kuti zikhale chaka chimodzi ndi kutenga ndalama zochepetsedwa m'chaka china. Mwachitsanzo, mungapange zopereka zazikulu m’zaka zachilendo ndipo palibe chilichonse m’zaka zoŵerengeka. Zimenezi zingakuloleni kugula zinthu m'chaka chimodzi ndi kukhalabe chosavuta m’chaka china.

Kusamalira Ndalama

Ngati mukuganiza kuti mungathe kugula mankhwala ambiri, yesani kukonza njira zopangira mankhwala opangira mankhwala opangira mankhwala kapena ntchito yaikulu ya mano m’chaka chimodzi kuti mufike pa 7.5% AGI.

Zopereka Zowonjezera pa Ntchito

Kuthandizira IRA, SEP IRA, kapena 401 (k) imachepetsa ndalama zimene mumalandira pa ndalama zolipira ndalama za magetsi. Ngakhale ngati muli ndi cholinga cha ntchito, mukhozabe kuyenerera kugwiritsa ntchito ndalama zopereŵera ngati ndalama zimene mumalandira zili zotsika.

Gwiritsirani Ntchito Maakaunti Opulumutsa Thanzi

HS imapereka mapindu atatu a msonkho: zopereka nzosaŵerengeka, ndalama zolipidwa zimawonjezereka popanda msonkho, ndipo ndalama zopitira kuchipatala nzaulesi.

Talingalirani za Ndalama Yoperekedwa ndi Opereka

Kwa anthu ofunitsitsa, kupanga ndalama zoperekera ndalama kumapereka ndalama zambiri m'chaka chimodzi, kupatsidwa ndalama zochepetsedwa mwamsanga, ndiyeno kugawira ndalamazo ku mabungwe othandiza osoŵa. Imeneyi ndi njira yabwino kwambiri yopangira zinthu.

Zolakwa ndi Zoipa Zofala

Ngakhale okhoma misonkho achidziŵitso angapange zolakwa zimene zimachepetsa ndalama zimene amalipira kapena kuŵerengera kotsatsira ndalama.

  • Kutumiza ndalama zoikidwiratu zoyenerera pamene muyenera kulemba: Muike manambala chaka chilichonse chifukwa chakuti mkhalidwe wanu ungasinthe. Mwachitsanzo, ngati munalipira ndalama zazikulu zogulira nyumba kapena ngati munagula mankhwala ambiri, kugula zinthu kungakhale kopindulitsa kwambiri.
  • Kuiwala ndalama zokwezedwa pamwamba: [[FL:1] Opereka msonkho ambiri samanyalanyaza zowonongedwa za mphunzitsi, chiwongola dzanja cha ophunzira, kapena zopereka za HSA chifukwa sazindikira kuti ndizo kusintha kwa ndalama.
  • M’kati mwa kupereka lipoti la zopereka zothandizira anthu: Mufunikira chivomerezo cholembedwa cha zopereka zilizonse za $250 kapena kuposapo. Kaamba ka zinthu zosakhala zacash zoposa $500, Mafomu 8283 yafunidwa. Sungani mafashoni a ku banki ndi malisiti.
  • Kugwiritsa ntchito kapu ya SALT: [[FT:1] Musayese kuchotsa ndalama zoposa $10,000 m'misonkho ya boma ndi yakwanuko. IRS idzachotsa zowonjezerekazo.
  • Kugula ndalama zaumwini ndi za bizinesi: Zokha zowonongedwa za bizinesi ndizo zosagulika. Ngati mugwiritsira ntchito galimoto yanu kapena foni yanu kaamba ka zonse ziŵiri, kugawa mlingo wa mlingo wa ndalama zogwiritsiridwa ntchito m'bizinesi.
  • Kusunga zolembedwa panthaŵi yake: Mukhoza kulemba zowonjezera, koma zochepetsedwa ziyenera kuperekedwa pa kubwerera kwa panthaŵi yake (kuphatikizapo kuwonjezera).

Zipatala: Kusiyana Kofunika

Ngakhale kuti ndalama zochepetsera ndalama zimene mungakhometsere msonkho, ngongole imachepetsani mwachindunji ngongole yanu. Mwachitsanzo, Child Tax Treasurer [Malo Oyenera Kupereka] $2,000 pa mwana aliyense ndipo imachepetsa ndalama zanu za msonkho wa dolar pa dar-lar . Makampani ndi osafunika kwambiri. Nthawi zina, mukhoza kuyenerera zonse ziwiri. Mwachitsanzo, ngati mupereka ndalama zanu ku akapuma pantchito, mungapeze ndalama zothandizira kulipira ndalamazo, ndipo mukhozanso kuyenerera ku Socir’s Credit (kabanki kosafunika) ngati ndalama zanu zili zochepa. Kumvetsa bwino ndalamazo kumathandiza kuti mukhale ndi ndalama zokwanira.

Lamulo la Msonkho Laposachedwapa Lisintha Malamulo

Pangano la m’chaka cha 2017 lokhudza kudula msonkho ndi ntchito, linasintha kwambiri mpaka mu 2025.

  • Kukwera kwa mitengo (kumene kumachitika kawiri kasanakwane TCJA).
  • MPHAMVU yochepetsedwa ya ndalama zokwana madola 10,000.
  • Malipiro a ndalama zogulitsira ndalama anatsika kufika pa $750,000 kuti apeze ndalama zatsopano.
  • Zowonongedwa za antchito osaletsedwa (za antchito W - 2) zinatha kufikira 2025.
  • Opatula opatulidwa aumwini ndi odalira ena analekedwa (iwo anali $4,050 pa munthu aliyense wa munthu asanafike pa TCJA).
  • Kufutukuka kwa misonkho ya ana (tsopano $2,000 pa mwana aliyense, ndi njira yokulirapo yopitira patsogolo).
  • Kuchepetsa ndalama zogulira zinthu zosakhala za m’mafakitale kunatha pambuyo pa 2022.

Ambiri mwa makonzedwe ameneŵa adzatha pambuyo pa 2025 pokhapo ngati Nyumba ya Malamulo yapereka malamulowo.

Kumaliza

Malipiro a msonkho ndi mbali yaikulu ya njira ya kulira kwa misonkho. Mwakumvetsetsa kusiyana pakati pa muyezo, zoikizidwa, ndi pamwamba pa ndandanda, ndi mwa kugwiritsira ntchito njira zanzeru zolinganiza monga kusonkhanitsa ndi kuwonjezera zopereka zapampando zapantchito, mungachepetse ndalama zanu za msonkho chaka chilichonse. Makalata olondola, pendani malo anu oikizira ndi ndalama zanu za msonkho chaka chilichonse, ndi kufunsira kwa katswiri wa msonkho kaamba ka uphungu waumwini. Kuti mupeze chidziŵitso chatsatanetsatane, fufuzani tsamba lapamwamba la , , [FLT:], [FL:] , [FLT:] . [17] Kupimikiza kwa ndalama [12:] kwa malipiro owonjezereka.