Nthaŵi ya misonkho imabweretsa nkhaŵa zambiri ndiponso mpata. Kwa ambiri, cholinga nchosavuta: Kuchepetsa msonkho ndi kuchepetsa ndalama zimene zikufunikira. Mfungulo yopezera zimenezi ndi kugwiritsa ntchito ndalama za msonkho. Komabe, kugwiritsa ntchito malamulo ambirimbiri, masitepe-aunti, ndi zofunikira za m'makalata kungakhale kopambana. Chitsogozochi chimapereka njira yokwanira, yochepetsera msonkho, yokuthandizani kuchepetsa malipiro anu a msonkho pamene mukukhalabe wogwirizana ndi malamulo a IRS. Pofika pomaliza, mudzakhala ndi mapu omveka bwino opangira zosankha zokhala ndi chidziŵitso zimene zingatsogolere ku chikalata chaching'onong'ono chomwe chingatsogolere ku kukwera kwa malamulo aukali opatula, popanda kudutsa mzera wankhanza kapena kutsatawa.

Kodi N’chiyani Chikuchitika Chifukwa cha Msonkho?

Kuchepetsa msonkho ndi ndalama zimene IRS imakulolani kuchotsa pa ndalama zanu zolemera, mwakutero kuchepetsa ndalama zimene mumalandira zimene zili za msonkho. Chotulukapo chake ndicho kuchepetsa msonkho wanu wonse. Mwachitsanzo, ngati mupeza $600,000 ndi kulipira $12,000, mudzakhomedwa pa $4,000 okha. Zimenezi n’zosiyana ndi ngongole [[FLT:], zimene zimachepetsa ndalama zanu za msonkho za dola imodzi.

Madesiki agwera m’magulu atatu aakulu:

  • Desikito yosayenerera [ – mlingo wafuŵa wozikidwa pa malo anu oikizira
  • Kudula ndalama zochepetsedwa [ – zowonongedwa zenizeni zimene mumandandalika pa ndandanda A
  • Kuchokera kumtunda kufika pa layini [[FT:1] - kusintha ndalama zimene mungapeze mosasamala kanthu kuti muikapo zinthu zotani

Kudziwa kusiyana kwa zinthu zimenezi n’kofunika kwambiri chifukwa chakuti kusankha pakati pa zinthu zimene mwalemba kumakhudza mmene mumachitira ndi ndalama zimene mumasunga.

Mitundu ya Msonkho

Madegia Ofala

Desiki loyenerera ndilo zochepetsedwa zosavuta zomwe zilipo. IRS imasintha ndalama pachaka kuti pakhale kukwera mtengo. 2024 chaka cha msonkho (kubwerera kosungidwa mu 2025), ziŵerengero zotsalira ndizo:

  • Osakwatira: $14.600
  • Kuseŵera Kogwirizana Kogwirizana: K20,200
  • Mutu wa Nyumba: $21,900
  • Kukwatira Mosiyana: K4,600

Ngati muli ndi zaka 65 kapena musanazindikire, mungayenerere kupatsidwa ndalama zina zofunikira. Ndalama zimenezi zimasiyanasiyana chifukwa cha kusungidwa kwa zinthu. Ndalama zimene mukuona kuti ndi zofunikira kwambiri zimakhala zothandiza makamaka kwa anthu amene alibe ndalama zokwanira kuti afike poti angotsala. Opereka ndalama zambiri amagwiritsa ntchito ndalamazo chifukwa sizifuna kuti alembe zinthu zimene sanazilembepo.

Madesiki Oikidwa

Kupereka kumathandiza kuchotsa ndalama zowonongedwa imodzi ndi imodzi. Kuti mupange, muyenera kukonza Screcule A ndi Mapikicato anu 1040. Madonsi ofala a zinthu akuphatikizapo:

  • [[Nkhaŵa:0] Ndalama za mankhwala ndi mano - + yokha yoposa 7.5% ya ndalama zanu zosintha (AGI)
  • Kaunti ndi misonkho yakumaloko (SALT) --kaidi yokwana $10,000 ($50,000 ngati muli pabanja)
  • Chiwongola dzanja cha makampani – pa ngongole yoyamba ya nyumba ($375,000 ngati muli muukwati wosiyana), yoikiziridwa malire
  • Zopereka – ndalama ndi katundu ku mabungwe oyeneretsedwa, zochepera 60% ya AGI ya ndalama zoperekedwa
  • Kutayika ndi kuba – kokha m'madera olengezedwa mwalamulo kuti akumana ndi tsoka

Kupereka ndalama kungachititse kuchepetsa kwambiri kuposa ndalama zimene mumafunikira ngati muli ndi ndalama zokwanira. Komabe, kufunikira kusunga mosamala. Muyenera kusunga malisiti, zikalata za ku banki, ndi makalata ovomereza kuchokera kwa mabungwe othandiza osoŵa.

Madoko apamwamba

Kusintha ndalama zimene mumapeza kumachotsedwa pa ndalama zimene mumapeza kuti mufike ku AGI. Simufunikira kutumiza ndalamazo. Kumwamba kwa layini ndi kofunika chifukwa AGI ingakuthandizeninso kuyenerera mapindu ena a msonkho, monga [[FLT:] TCS ya MTENGO [[FLT:] kapena chopereka cha IRA .

  • Ndalama zoyendetsera – mpaka $300 mphunzitsi aliyense kaamba ka zinthu za m’kalasi
  • Chiwongola dzanja chandalama – kufika ku $2,500, yonga ku kupata
  • Zopereka za IRA [ -mwambo] – zopereka za IRA zingakhoze kufika $7,000 ($8,000 ngati ali ndi zaka 50 kapena kuposa) kwa 2024, zonga pamalipiro a ndalama
  • Health Savings akhawunti (HSA) zopereka – kufika $4,150 ya kufikiridwa kwa munthu, $8,300 ya kukambitsirana kwa banja, ndi zopereka zowonjezereka
  • [[FL:0] Msonkho wa ntchito za kudzitama [1] – kutayikiridwa kwa theka la msonkho wanu wa ntchito
  • Malipi a inshuwalansi ya zaumoyo yodzitukumula – yosatha ngakhale ngati simunaikepo
  • Alimony yolipidwa – kwa zisudzulo zomaliza zisanakwane 2019

Kuchepetsa ndalama zochepetsera pamwamba pa layini kungachepetse kwambiri AGI yanu, zimene zingawonjezere kuthekera kwanu kwa ngongole ndi zochepetsera zina.

Mmene Mungasankhire Pakati pa Miyezo ndi Zopereka

Kusankha kulinganiza kapena kujambula zinthu kumadalira pa kuŵerengera kosavuta: Kodi ndi njira iti imene imakuthandizani kuchepetsa ndalama zonse zimene mwatsala nazo?

  1. Kambani ndalama zimene mungathe kupereka. Yonjezerani ndalama zonse zoyenerera: mankhwala (oposa 7.5% ya AGI), chiwongola dzanja cha ngongole, boma ndi misonkho yakumaloko kufika pa $100,000, mphatso zothandizira anthu, ndi zinthu zina zilizonse zololedwa.
  2. Yerekezerani zimenezo ndi ndalama zimene mumatsatira. Ngati chinthu chanu chonse n’chochepa, kutenga ndalama zotsalazo ndi kupambana. Ngati ndi zapamwamba, kutumiza ndalama kudzakhala kochepetsa ndalama zanu zolipiridwa.
  3. Ganizirani “kusintha njila . Mungasinthe ndalama zimene mugula chaka chimodzi kuti mupereke zinthu m'zaka zosinthana. Mwachitsanzo, mungapange ndalama zothandizira anthu pa zaka ziwiri m’chaka chimodzi, zikukulolani kukonza chaka chimenecho, ndiyeno tsatirani ndalama zotsalazo. Zimenezi zimathandiza kuti mupeze mankhwala ndi misonkho ya katundu.
  4. Wopereka msonkho wa boma. Mayiko ena amafuna kuti mugwiritse ntchito njira yochepetsera ndalama monga momwe amabwerera boma lanu, choncho pendani malamulo a boma lanu.

Komabe, eni nyumba okhala ndi nyumba zazikulu, okhala m’mayiko a misonkho yapamwamba, ndiponso anthu opereka zinthu mowolowa manja, nthawi zambiri amapindula ndi kugulitsa zinthu.

Kupereka Zinthu Mogwira Mtima

Muyenera kuganizira zolemba ngati:

  • Chiwongola dzanja chanu cha ngongole ndi misonkho ya katundu zimaposa pa mtengo woyenerera.
  • Munali ndi ndalama zambiri zogulira mankhwala (mwachitsanzo, opaleshoni, kusamalira kwanthaŵi yaitali).
  • Munapereka zopereka zazikulu zothandizira anthu ovutika, makamaka zoyamikira chuma kapena malo.
  • Munataikiridwa zovulazidwa zosatsutsidwa ndi tsoka lolengezedwa ndi boma.

Pamene Muyenera Kutsatira Mfundo Yomweyi

Nthaŵi zambiri kuchepetsa ndalama zimene mwasankha kuchepetsa kuchuluka kwa ndalamazo kumakhala bwino ngati:

  • Ndinu wobwereka lendi wopanda ngongole.
  • Msonkho umene mumapereka ndi wotsika.
  • Simukhala ndi ngongole zambiri za mankhwala.
  • Zopereka zanu zothandizira anthu osoŵa nzochepa.

Nthaŵi zonse mungatenge ndalama zochepetsera zinthu zimene mungafunikire kugula ngakhale mutagula zinthu zina zofunika kwambiri, koma mungosiya kuzilemba.

Kukulitsa Zokondweretsa Zanu Mosamala

Kulinganiza misonkho mwalamulo kumatanthauza kugwiritsira ntchito ndalama zonse zimene mwapatsidwa mwalamulo popanda kukuza mawu kapena kulinganiza ndalama zowonongedwa.

  • Sungani zolemba zachisamaliro. Sungani malisiti, zikalata za banki, mitengo yoyendera, ndi makalata ovomereza chithandizo. IRS ingafune umboni ngakhale wa ndalama zochepa.
  • Kugwirizana ndi maakaunti a kupuma pantchito. Zopereka ku IRA kapena 401(k) ndizo zapamwamba pa zoikizira za layini. Kuchokera kumayambiriro kwa chaka, ndalama zanu zimachuluka kwambiri.
  • wonjezera HSA yanu . [[FLT :1] Ngati muli ndi makonzedwe athanzi okhoza kuperekedwa, kusungitsa ndalama zokwanira za thanzi lanu Kusungitsa Maakaunti. Zopereka nzosafunika, ndipo zochotsapo pa mankhwala nzaulere.
  • Nthaŵi ya kupereka kwanu zopereka. Zopereka za ndalama zopitira ku chaka chimodzi kuti zipose poti zikhale zotsala, ndiyeno perekani ndalama zoikizira chaka chotsatira. Gwiritsani ntchito thumba loperekera ndalama kuti mukhale ndi ufulu wokwanira.
  • gwiritsirani ntchito ndalama zamankhwala panthaŵi yake. Ngati muli ndi njira zosankhidwira kapena ngati mungathe kulinganiza njira zochiritsira, lingalirani kuzisonkhanitsa m'chaka chimodzi kuti mupose 7.5% AGI . Ndiponso, tsimikizirani kuphatikizapo zowonongedwa monga ulendo wa zamankhwala (magalimoto, magalimoto, ndalama).
  • Musanyalanyaze “msonkho wa kukhoma.". Ngati muli ndi ana amene ali ndi ndalama zoyendetsera ndalama, lingalirani kusamutsira zinthu zina ku dzina lawo kuti mugwiritsire ntchito mzera wawo wa msonkho wotsika.
  • Gwiritsirani ntchito maakaunti a msonkho. Kuwononga ndalama mosinthasintha (monga ngati) posamalira kapena kulipira mankhwala kumapereka ndalama zochepetsedwa pa ndalama zimene mumalandira, koma kumbukirani “kugwiritsa ntchito kapena kutaya lamulolo".
  • Onani kuti mukulephera. Ngati mulandira ndalama zambiri, mukupatsa boma ngongole yachiwongola dzanja. Longolerani W-4 kuti ndalama zambiri zikhale m’thumba mwanu chaka chonse.

Kuwonjezera kwamphamvu kumatanthauzanso kusamala za mafashoni . Nkhongole zambiri zimachepetsedwa kapena kuchotsedwa pamene ndalama zanu zikukwera. Mwachitsanzo, chiwongola dzanja cha ophunzira chimayamba kuchepa pa $75,000 ya AGI ya mafaelo osinthidwa amodzi [$155,000 pa mafaelo ogwirizana) mu 2024. Nthaŵi zonse amatsimikizira malire amakono musanayese kuyenerera.

Zolakwa Zofala Zoyenera Kupeŵa

Kupeŵa zolakwa zimenezi kudzakuthandizani kuti musadzaŵerengetse, musadzalandire chilango, ndiponso kuti musadzalandire mwayi wochita zimenezi:

  • Kudziwitsa kusunga malisiti ndi mapepala. IRS imayembekezera kuti mutsimikizire ndalama ngati mupendedwa. Cheke lofa silikukwanira kaamba ka zopereka za ndalama zoposa $50; mufunikira chilolezo cholembedwa kuchokera ku gulu la opereka.
  • Kuŵerengera ndalama zochepetsedwa. Malamulo ofala amaphatikizapo kuwonjezera mtengo wa katundu woperekedwa, kudzinenera kukhala makilomitala a bizinesi, kapena kuwongolera kosayenera. Chitani zolondola.
  • Kutsutsa kusintha kwa malamulo a msonkho. TCS ndi Jobs Act (TCJA) inachotsa ndalama zambiri, zonga kuchotsa ndalama zowonongedwa (kusiyapo zankhondo) ndi ndalama za antchito zosapimidwa. Ndalama zotsalazo zikhale pafupifupi zoŵirikiza kaŵiri. Musazigwiritse ntchito.
  • [[FLT: 0] Kufuna kukaonana ndi katswiri wa msonkho pamene kuli kofunika. Ngati mkhalidwe wanu umaphatikizapo malo obwereka, ntchito yodzigwirira ntchito, kuikizira ndalama, ndalama zowonjezereka. Nthumwi kapena olembetsa angakupulumutseni kuposa malipiro awo.
  • Kuwongola koŵiri. Simungatenge zonse ziŵiri zochepetsedwa ndi zoikizidwa zoikizidwa m'chaka chimodzi. Ndiponso, simungathe kugula ndalama zowonongedwa pa ngongole imene mumagwiritsiranso ntchito kaamba ka ngongole ya msonkho (m’jere, zowonongedwa zodalira pa).
  • Kuiwala za ndalama zimene boma likhoza kuchepetsa. Mayiko ambiri amalola ndalama zimene boma silizilola, monga ngati zopereka 529 zokonzera kapena chamba (kwalamulo). Onetsetsani boma lanu kubwerera.
  • Kusintha zinthu. Kuthamanga mwa kukonza msonkho kumawonjezera upandu wa zophophonya ndi zophonya. Yambani kulinganiza zikalata zanu mwamsanga, makamaka pofika February.

Lamulo Lakhoma Laposachedwapa Lisintha ndi Zimene Limatanthauza kwa Inu

[[MLT:0] Chitsuko ndi Chikalata cha Ntchito (TCJA) [[FULT:1] cha 2017 anapanga masinthidwe aakulu amene akugwirabe ntchito mpaka 2025. Makonzedwe ofunika amene amakhudza zokwezedwa:

  • Nkhanu zosayenerera zinaŵirikiza pafupifupi kaŵiri. Zimenezi zinachepetsa chiŵerengero cha olemba mafaelo amene amajambula kuchokera pa 30% kufika pa 10%.
  • Katundu ndi msonkho wakwanuko (SALT) wotsatiridwa pa $10,000. Izi zimakhudza kwambiri nzika za m'maboma a msonkho wapamwamba monga New York, California, ndi New Jersey.
  • Ndalama zandalama zochepetsedwa zokwana $7500,000 za ngongole (kutsika kuchokera pa K40,000,000,000 ya ngongole zimene zinatengedwa Dec. 15, 2017).
  • Kupatulapo zaumwini. Kalelo mukanachotsa pafupifupi $4,000 pa munthu mmodzi; tsopano kuchepa kwa ndalamazo kwatha.
  • Nthano zosiyanasiyana zochotsedwa. Simungachotsenso ndalama zowonongedwa ndi antchito osagulitsidwa, ndalama zokonzera msonkho, kapena zowonongera ndalama za sheya.
  • Ndalama zotsala zowonjezereka kwakanthaŵi. Kwa 2020-2022, panali $300 pamwamba pa layini ya zinthu zosakhala kampani, koma zimene zatha. Komabe, zopereka za ndalama sizikupezekabe ngati mutapereka.

Kwa 2024, kusintha kwa kukwera mtengo kwakweza ndalama zochepetsedwa ndi malo ambiri opezerapo ndalama. Nthaŵi zonse fufuzani malangizo atsopano a IRS ku IRS.gov[ kwa ziŵerengero zambiri zamakono. Kumvetsa masinthidwewa kumakulepheretsani kutchula zinthu zimene zilipo.

Zida ndi Zinthu Zochepetsera Ulendo Wanu wa Msonkho

Kukonza zipangizo zoyenera ndi chithandizo kungawonjezere njira yochepetsera ndi kuwongolera:

Kumbukirani: Palibe chiŵiya chimene chimaloŵa m’malo mwa thayo lanu la kumvetsetsa malamulo.

Kumaliza

Kuchepetsa msonkho sikuli kungochepetsa ndalama zanu za msonkho , zosankha za ndalama zogwirizana ndi malamulo ndi zolinga zanu. Mwakumvetsa magulu atatu a ndalama (zofunika, zoikidwa, ndi pamwamba pa ), kusankha njira zimene zimakupindulitsani kwambiri, ndi kugwiritsira ntchito njira zopangira ndalama zoperekera ndalama zopuma pantchito, mungawonjezere kwambiri ndalama zanu popanda kudutsa malamulo kapena malire alamulo. Khalanibe ndi chidziŵitso cha kusintha kwa malamulo a msonkho, sungani mapepala a za m'malamulo, ndipo musazengereze kufunafuna chithandizo cha akatswiri pamene mkhalidwe wanu ukukhala wovuta. Ndi chidziŵitso ndi zipangizo zoperekedwa mu wotsogolera, mukhoza kuyang'anizana ndi nthaŵi ya msonkho ndi kudalirika ndi kuyang'anizana ndi nthaŵi ya misonkho.