Kuzindikira Msonkho: Mfundo Zofunika

Malipiro a msonkho ndi chipangizo champhamvu kwambiri chochepetsera ndalama zimene mumalipira, zimene zimachepetsa msonkho wanu. Mwachidule, kuchotsa ndalama zakutiyakuti pa ndalama zimene mumalandira musanapereke msonkho. Kuchepetsa ndalama zimene mumalandira, ndalama zimene mungathe kulipirira msonkho, ndalama zochepera. Kwa nzika za U.S., ndalama zoikizira ndalamazo n’zopezeka kudzera m'njira ziwiri zikuluzikulu: desiki ndi ndalama zoikizidwa. Kumvetsa mmene ntchitoyi ndi ndalama zimene zikufunika kuti mukhometsere bwino msonkho. Mukakhometsa ndalama 501 [5:1]

Zitsogozo za Msonkho Zofala kwa Nzika

Ndalama zambiri zimene anthu amawononga tsiku ndi tsiku zingachotsedwe, koma si aliyense amene amayenerera zonsezo.

  • Kudyetsedwa kokwanira [1] , , , , , , , monga ngati, ndalama zoikiziridwa ndi IRS, zimene zimachepetsa malipiro anu oyenera chifukwa cha malo anu osungira (yokha, ya ukwati mogwirizana, mutu wa nyumba, ndi , ndi zinanso). Mwachitsanzo, 2025, ndalama zochepetsedwa za olemba mafaelo amodzi ndi $15,000. Simufunikira kupereka malisiti kapena mapepala a ndalama zimenezi.
  • Kusintha kwa zopereka - - Ngati zowonongedwa zanu zoyenerera zikuposa ndalama zochepetsedwa zoyenerera, mungaike. Madola opangidwa ndi zinthu ambiri amaphatikizapo:
    • chiwongola dzanja pa malo anu aakulu okhala (okhala ndi chiwongola dzanja cha $7500,000 cha ngongole yoyeneretsedwa).
    • Msonkho wa boma ndi wa m’dziko limene mukukhala (SALT) umatha kufika pa madola 10,000 pa ndalama zimene mumapeza komanso misonkho ya katundu.
    • Kupereka zopereka ku mabungwe oyenerera (kufikira ku 60 peresenti ya ndalama zimene mumapeza zosinthasintha pa ndalama zopereka).
    • Ndalama zowonongedwa ndi mankhwala ndi mano zimene zimaposa 7.5% ya AGI yanu.
  • Zopesetsa za Madokotala ndi Zazilonda [1] - Mungachotse ndalama zimene mungafunikire, mnzanu, ndi anthu amene mumadalira. Zimenezi zimaphatikizapo malipiro a madokotala, amano, madokotala, mankhwala opatsa mankhwala, ndi inshuwalansi ya nthawi yaitali. Ndi ndalama zimene zimaposa 7.5% ya AGI yanu ndi yosafunika.
  • Kafukufuku ndi Msonkho wa Kumalo akwanuko (SALT) [1] - Mungachotsepo misonkho ya boma ndi yakwanuko kapena misonkho yandalama, limodzinso ndi misonkho ya katundu yolipidwa. Msonkha wa onsewo ndi $$50,000 ngati ali wokwatira payekha).
  • .Ables Office – kusonkha ndalama kapena katundu kwa makampani othandizira anthu osoŵa a IRS n’kotheka ngati mutumiza. Sungani zolemba zatsatanetsatane, kuphatikizapo zikalata za ku banki, kulipira pepala la ndalama zoperekera ndalama, ndi zolembedwa ndi mabungwe opereka mphatso zoposa $250.
  • [[FLT: 0] Ndalama zotayidwa - ngongole zambiri zimagwira ntchito ku mtengo wapamwamba wa maphunziro. Kulandira ndi ndalama zolipirira (zapambuyo pake mu 2020) zaloŵetsedwa mmalo ndi Directive Learning Learning Credit ndi American Proclation Through Cer. Ndiponso, ngongole ya ophunzira ya $2,500 ingawongoletsedwe monga kuwongolera ndalama (pamwamba kwa mu 202020).
  • Ndalama za Makampani kwa Anthu Odzidalira [1] – Ngati muli ndi ntchito zanu, mungathe kuchotsa ndalama zamalonda wamba ndi zofunika monga ndalama za ofesi ya panyumba, magalimoto, zopereka, kusatsa malonda, ndi ndalama za inshuwalansi ya zaumoyo. Shetemya C (Fum 1040) imagwiritsiridwa ntchito kusimba zimenezi.

Masukulu Ena Ofunika Kuwadziŵa

  • ZOPEREKA -- Mungachotse zopereka ku IRA yamwambo, zoikiziridwa ndi ndalama zopezedwa ndi ndalama ndi kaya inu kapena mnzanu wa muukwati mwakhala ndi makonzedwe a kupuma pantchito.
  • [[NT.0] Health Savings akhawunti (HSA) Zopereka – Zopereka ku HSA n’zosagwiritsidwa ntchito ngakhale ngati simunalembe.
  • Zowonongedwa Zochokera kwa Mamembala a Gulu la Zida – ziwalo zokangalika zosamuka chifukwa cha kusintha kwachikhalire kwa siteshoni zingachotse ndalama zoyendetsera ngati salandira malipiro.
  • Castialty ndi Kutaikitsa [1] Izi zimatayika kokha m'malo olengezedwa ndi boma a tsoka, ogonjera ku 10% ya chipinda cha AGI.

Servetuction v. Deduction Ensection: Kodi Mungasankhe Motani?

The decision between taking the standard deduction and itemizing depends entirely on your individual financial picture. The standard deduction is simple, requires no record keeping, and is adjusted annually for inflation. Most taxpayers find that the standard deduction gives them a larger tax break than itemizing, especially after the 2018 tax law changes nearly doubled the standard deduction amounts. However, if you have significant qualifying expenses—such as high mortgage interest, large charitable donations, or heavyKuchotsa zinthu zina pamtengo wotsika kwambiri kungapangitse kuti munthu azilipira ndalama zochepa za msonkho.

Kusankha, wonjezerani ndalama zimene mungapereke (chiwongola dzanja cha thumba, SALT, zopereka zothandizira anthu, zowonongedwa za mankhwala pamwamba pa 7.5% ya AGI, ndi mtengo wina uliwonse woyenerera). Ngati zonsezo ziposa pa desiki loyenerera la malo anu osungira, kugwiritsa ntchito ndalamazo kuli bwino. Ngati simunachite zonse ziŵiri. Musaiwale kuti ndalama zina, monga zowonongedwa ndi zotayikitsa, zili ndi makhonde a mtengo wake. Gwiritsani [[FL:0]] Phunzirani 1040 Sewerowererani A

Zofunika Zodalirika Kuti Mupeze Njira Yachindunji

Si anthu onse amene angakwanitse kuchepetsa ndalama zimene amalandira; zimadalira pa zinthu monga malipiro, kukonza malo, msinkhu, ndi ngati munthu wina akukudalirani.

  • Kudyetsedwa kwa [1]: Ndalama yokwanira ilipo kwa okhoma misonkho ambiri. Komabe, ngati wina anganene kuti ndinu wodalira, ndalama zanu za muyezo nzokwanira pa ndalama zochulukirapo za $1,250 kapena ndalama zimene mumalandira kuphatikizapo $400 (kufikira pa mtengo woyenerera wa ndalama zanu).
  • Ndalama Zowonongedwa [1]: Zowonongedwa zokha zimene zimaposa 7.5% ya AGI yanu njosafunika. Muyeneranso kukhoza kulemba ndalama zonse.
  • Zopereka za Accounting : Muyenera kupereka ku gulu loyenerera 501(c)(3). Zopereka kwa anthu, ndawala za ndale, kapena magulu otsatsa malonda sizikulephera. Muyenera kulandira chikalata chovomereza pa zopereka zamodzi zoposa $250.
  • Kufuna Kupeza Chikondwerero [1]: AGI yanu yosinthidwa iyenera kukhala pansi pa khomo linalake (mu 2025, sitemu yoyambira pa $800,000 kwa osakwatira ndi $165,000 kwa opanga mafaelo ogwirizana). Simunganenedwe kuti mumadalira pa kubwera kwa wina.
  • Ndalama za Makampani Ogulitsira [1]: Anthu olembedwa ntchito paokha ayenera kusonyeza kuti ndalama zowonongedwazo nzachibadwa ndi zofunika pa malonda awo. Kutayikiridwa kwa chuma sikungawonongeke.

Nthaŵi zonse tchulani nkhani za msonkho 500 - Zitsogozo kaamba ka malamulo atsatanetsatane. Ngati mukukayikira, kufunsa katswiri wa msonkho kuli kwanzeru.

Mmene Tinganenere Kuti Malungo Amayenda Panjira

Kunena kuti ndalama zimene mwachepetsa ndizo njira yosavuta, koma kulondola nkofunika kwambiri.

  1. .All Document – Sungani W-2, 1099, faiseti ya zopereka zaufulu, zikalata za chiwongola dzanja cha nyumba (Form 1098), ndalama za msonkho wa katundu, ndalama za mankhwala, ndi ndalama za maphunziro.
  2. Sankhani Njira Yanu Yakupitira ] - Mungathe kulemba m'manja pogwiritsa ntchito mafomu a IRS, gwiritsani ntchito mapulogalamu okonza msonkho (m' lekuatiso, TurboTax, H&R Block), kapena funani munthu wolemba maakaunti a boma kapena olembetsa. Nthaŵi zambiri mapulogalamu a pulogalamu amathandiza kuzindikira ndalama zimene mungaphonya.
  3. Gumyani Kubwerera Kwanu Msonkho [[FLT :1] - Ngati mutenga ndalama zochepetsedwa, ingolembani pa muyezo woyenerera wa Masamu 1040. Ngati mulemba, Sedyuli A yokwanira ndi kutumiza chiwonkhetso cha ndalamazo ku 1040 . Kutsimikizirani kuti manambala onse akufanana ndi mafashoni anu.
  4. Chroniclecultures [[FLT :1] , pendani malire a kuchuluka, ndi kutsimikizira kuti simunapereke ndalama kaŵiri. Ngati zinthu zochepetsedwa, muzikumbukira malire a kuchepetsa (monga ngati malire a Prease amene amagwira ntchito ku zopereka zopereka zowonjezereka pa zinthu zina).
  5. File Electroniclymatic kapena ndi Mail [FLT :1] – E-filfiling yafulumira, imachepetsa zophophonya, ndi kukupatsani lisiti yotsimikizira. Ngati muli ndi ngongole, lipireni magetsi. Ngati muyembekezera derend, gwiritsani ntchito ndalama zachindunji.

Kukulitsa Maluso Anu: Maluso Amene Amagwira Ntchito

Mukhoza kuchitapo kanthu chaka chonse kuti mudziwe ndalama zoyenerera kuchepetsedwa:

  • Sungani Madoko osungidwa – Gwiritsani ntchito desiki lopatulidwa kapena app kusungira malisiti, macheke a banki, ndi mitengo ya upato. IRS imafuna umboni wolembedwa kaamba ka ndalama zambiri. Zopereka zothandizira opatsiridwa, mulembe musanalembe.
  • Mapepala othandizira anthu osoŵa [ -- Ngati ndalama zimene mwalemba zatsala pang'ono kufika pa ndalama zoikizira, lingalirani “zowononga” chaka chimodzi. Mwachitsanzo, pangani ndalama zothandizira anthu pachaka chimodzi, kapena kulipira msanga misonkho, kuponderezetsa ndalama zanu zonse pamwamba pa ndandanda ya ndandanda.
  • Nthaŵi ya Zamankhwala [1] - – Ngati muli ndi maopaleshoni osankhika kapena ntchito ya mano, andandalika m'chaka chimodzi pamene ndalama zanu zamankhwala zidzaposa 7.5% AGI. Zimenezi zingasinthe mtengo wosasinthika kukhala wotsika.
  • Contrutee ku Maakaunti a Msonkho [1] – zopereka ku ma IRA amwambo, HS , ndi zolinganiza za ntchito za munthu mwini monga SEP IRAs n’zosafunika ndi kuchepetsa AGI yanu. Ngati nzotheka, kulitsani zimenezi.
  • Kupenda Mkhalidwe Wanu Wolimba [1] [1] [1] [1] M’zochitika zina, okwatirana angapindule mwa kutsata wina ngati wamuukwati ali ndi ndalama zambiri za mankhwala kapena ndalama zoposedwa. Komabe, kujambula kwapamodzi kaŵirikaŵiri kumachepetsa kapena kuchotsa zochepetsera zambiri, chotero tsatirani mikhalidwe iŵiri.
  • Sungani mwauve [[FLT :1] – malamulo a Msonkho amasintha nthaŵi zonse. Mwachitsanzo, ndalama zochepetsedwa za antchito osafuna kulowa m'dziko lina zowonongedwa (monga ngati mgwirizano ndi mayunifomu a ntchito) zinaletsedwa kwa zaka 2018 mpaka 2025. Kuzindikira masinthidwe oterowo kumaletsa zolakwa zapasadakhale.
  • Khonsa Phunziro la Msonkhano – Wopereka msonkho woyenerera angapereke njira zaumwini, makamaka ngati muli ndi ndalama zovuta , monga ngati mabizinesi ambiri, kapena ndalama zambiri zoikizira. Mtengo wa katswiri kaŵirikaŵiri umalipirira yekha kupyolera mwa ndalama zokwera kapena misonkho yochepetsedwa.

Zipatala za Msonkho: Kusiyana Kofunika

Okhoma msonkho ambiri amasokoneza ndalama zimene mumalipira ndi ngongole. Ngakhale kuti onse awiri amachepetsa msonkho wanu, amagwira ntchito. Kuchepetsa ndalama zimene mumalipira pokhoma msonkho, kulingana ndi ndalama zanu za msonkho zimene mumalandira. Mwachitsanzo, ndalama zokwana 22% za msonkho zimakugulitsani ndalama zokwana madola 20. Ndalama za msonkho zimachepetsa ndalama zanu za ndalama zimene mumalipira pa ndalama za msonkho. Ndalama za ngongole ndi zamtengo wapatali kwambiri. Zingachepetse ndalama zimene muli nazo monga ngongole ya ndalama zoyendetsera msonkho, Mwana Msonkha, ndi za ku America Yeni Krective for foroclation . Nthawi zonse zimachepetsa ngongole yanu pa ndalama zimene mumalipira ngati zonse. Komabe, ngongole zambiri zimakhala ndi ndalama zimene mumalandira ndipo sizikulipirani ndalama, zina n’zofunika kulipira. Zingachepetse ndalama zimene mumalipira monga momwe mukungoletsekera. Ophunzira maphunzirowa a sukulu ena amatanthauza kuti: “Ana, ana anu atha kulipira ndalama zachikole, ndi zina zachithandizo za ana a sukulu, ngakhale akutanthauza kuti:“ Mungathe kuwonjezera ndalama za anthu ena.

Zolakwa Zofala Zopeŵera Pamene Tinena Kuti Tiri Oledzera

Ngakhale okhoma misonkho akhama angakhumudwe.

  • Kuyang'ana Kutaika kwa Pansi kwa [1] - Ena okhoma msonkho amalemba ngakhale ngati ndalama zochepetsedwazo zingawapatse phindu lalikulu. Nthaŵi zonse yerekezerani.
  • [[MLT:0] Kuchotsa Mapepala [[FLT :1] - IRS kungachotse ngati simungapereke malisiti kapena umboni wa ndalama zolipirira. Zimenezi nzofala kwambiri pa zopereka za chithandizo ndi ndalama za mankhwala.
  • Kupereka Kwaumwini monga Business Dectives – anthu olembedwa ntchito nthaŵi zina amachotsa mtengo wa kudzikonza, kudzikongoletsa, kapena zovala zimene zingavalidwe kunja kwa ntchito. IRS ili ndi mafotokozedwe okhwima a “osavuta ndi ofunika.”
  • Kukondwera Kumvetsetsa Mafaseout [1] - ndalama zambiri zimachepetsedwa pamlingo wa ndalama zopezedwa. Ndalama zokwezedwa za ophunzira, zopereka za IRA, ndi zoikizira zoikizidwa za zinthu zokhala ndi Prese onse ali ndi mabanjalo. Konzekerani bwino kubwerera kwanu msonkho kuti mupeŵe kuchepetsako pang'ono.
  • Kusasintha mawu a kumbuyo [1] [1] Ngati musintha ndalama zimene mwapereka pakati pa chaka (mwa kuwonjezera ndalama zimene mumapereka asanapereke msonkho kapena kusonkhanitsa), sinthani W-4 yanu kuti mupeŵe kukwera kapena kutsika.
  • Kutsutsa Kusiyana kwa Msonkho wa Boma [[FT:1] - ndalama za msonkho za Boma zingasiyane ndi boma. Maboma ena salola kuchepetsa ndalama za msonkho wa boma, pamene ena amapereka ndalama zowonjezereka. Onani webusaiti ya boma yanu ya ulamuliro wa msonkho.

Kusintha kwa Posachedwapa m’Chilamulo cha Msonkho Kukhudza Mabungwe

Lamulo la msonkho silikusintha. Lamulo la Msonkho ndi Lokhudza Ntchito la 2017 linasintha kwambiri mpaka 2025, ndipo pambuyo pake malamulo ambiri asintha. Masinthidwe ofunika akuphatikizapo:

  • Kuwonjezera mlingo wa Deduction [1] [1] [1] [1] [1] mobwerezabwereza poyerekeza ndi milingo ya m'ma 2018, kupangitsa kujambula kukhala kochepa.
  • Kulemba pa SALT Déducts - Boma ndi ndalama za msonkho za kumaloko zimaikidwa pa $10,000, zimene zimachepetsa mapindu kwa nzika za m'maboma a msonkho wapamwamba monga California ndi New York.
  • Kholo la Chifuniro – chiwongola dzanja pa ngongole ya nyumba yochitika pambuyo pa December 15, 2017, nchonulirapo pa ngongole yokha yokwana $7500,000 (kutsika pa $1 miliyoni).
  • Kulinganiza kwa Zopereka za Zitsulo za M'mabwinja - 2% zolipirira antchito osapimidwa, ndalama zokonzera msonkho, ndi zowonongedwa za zoikizira ndalama zamtengo wa 2025.
  • Zopereka za Accounting -- Zopereka za ndalama mu 2020 ndi 2021, zigamulo za kanthaŵi zinakwezedwa; tsopano 60% ya AGI.

Pambuyo pa 2025, ndalama zochepetsedwa zapadera zakonzedwa kuti zibwerere ku mlingo wa TCJA isanafike, kapu ya SALT idzachotsedwa, ndipo makonzedwe ena ambiri adzabwera. Muyang'anire kukonzanso malamulo kuchokera ku nyuzipepala ya nyuzipepala kapena kukaonana ndi katswiri wa msonkho kuti akonze zinthu mogwirizana ndi zimenezi.

Kumaliza

Kuchepetsa msonkho kumafuna kumvetsetsa malamulo, kulinganiza ndalama zanu, ndi kupanga zosankha zoyenerera mkati mwa chaka. Ngati mutenga ndalama zochepetsedwa zoyenerera kapena kuikizidwa, chonulirapo nchofanana: kuchepetsa lamulo lamulo la msonkho wanu ndi kukhala wogwirizana ndi IRS. Choyamba mwa kudziŵira ndalama zonse zimene mufunikira, sungani ndalama zoikizira, ndi kupenda mkhalidwe wanu wa msonkho chaka chilichonse monga momwe ndalama ndi ndalama zimasinthidwira. Kulinganiza misonkho sikuli ntchito yopitirizabe. Mwakukhala ndi wodziŵa ndi kuyendetsa msonkho, mungatsimikizire kuti mukhale ndi ndalama zonse zimene mufunikira kukhala nazo zoyenerera ndi kupeŵa zolakwa zokwera mtengo. Kuyesayesa kwanu kukupangitsani kuphunzira ndalama lerolino sikungakupulumutsani ndalama zikwi zambiri za maŵa.