Kumvetsa ndalama zochepetsera msonkho ndi ngongole n’kofunika kwa aliyense wofuna kuchepetsa msonkho wawo wonse panthaŵi imodzi pamene akuchirikiza ntchito za boma ndi za anthu. Zida za ndalama zimenezi zakonzedwa kulimbikitsa makhalidwe ena monga kupereka mphatso, kugwiritsa ntchito magetsi, ndi kuwongolera magetsi. Zopindulitsa anthu onse aŵiri ndi anthu. Komabe okhoma misonkho amasiya ndalama pathebulo chifukwa chakuti sazindikira mokwanira mmene ndalama zimachepetsedwera ndi ngongole zikupitirizira ntchito. Njira imeneyi imayenda ku mfundo iliyonse yofunika, kuchokera ku kusiyana kwakukulu pakati pa ndalama zokwezedwa ndi ngongole kuti zigwire ntchito yowongolera kubwerera kwanu. Kaya muli munthu woyamba wopereka msonkho kapena wodziŵa bwino msonkho, makampani ameneŵa angasinthe mmene mumachitira ndi ndalama zanu za pachaka.

Kumvetsetsa Mabuku Ophunzitsa: Kusiyana kwa Malamulo

Musanaloŵe m’madzi, n’kofunika kwambiri kuti mudziwe kusiyana pakati pa msonkho umene mumapereka ndi msonkho.

Mmene Ntchito ya Kutsegula Magetsi Imagwirira Ntchito

Malipiro anu a msonkho amachepetsedwa. Mumawerengeredwa monga chigawo cha ndalama zimene mumalandira polipira msonkho, choncho muchepetsa ndalama zimene mumalipira. Malo amene mumalipira ndalama zochepetsera msonkho amafanana ndi ndalama zimene mumawonjezera ndi ndalama zimene mumalipira. Mwachitsanzo, ngati muli m'gulu la 22% la msonkho ndipo mufuna ndalama zokwana madola 1. Ndalama zokwana madola 20 pa misonkho, mtengo wake wamtengo wapatali umakhala.

Mmene Ndalama Zogulira Zimagwirira Ntchito

Ngongole imakupatsani ndalama zochepetsera msonkho wanu. Ngati muli ndi ngongole ya $2,000 pa misonkho ndi kuyenerera kaamba ka $500, ndalama zanu zimatsika kufika ku $1,500. Ndalama za ngongole kaŵirikaŵiri ziri zamphamvu kuposa zochepetsedwa chifukwa zimachepetsa msonkho wanu mwachindunji, mosaganizira mtengo wanu wa m’mphepete. Zokongola zina ndizo [[FLD:0] zobwezedwa , kutanthauza kuti ngati ngongoleyo ikuposa mtengo wa msonkho wanu, mumalandira kusiyanako monga ndalama zotayidwa. Kungolandira ndalama zosabwezeredwa kumalipiro anu ku zero; zowonjezereka zirizonse zimatayika.

Chifukwa Chake Kusiyana Kuli Kofunika pa Zopereka za M’chigwirizano

Malonje ambiri ndi ndalama zimene amagulitsidwa ndi cholinga chothandiza anthu a m’dzikolo kupeza ndalama zothandizira anthu osoŵa. Zonga kupereka zinthu zothandizira anthu osoŵa, kuika zipangizo zotha ntchito zamagetsi, kapena maphunziro apamwamba. Kumvetsa mtundu wa ndalama zimene mukupempha kungakuthandizeni kuoneratu ndalama zimene mwasunga ndi kukonza zopereka. Mwachitsanzo, ngongole yofanana ndi Inhoot Recose Inters ingabweze ndalama m’thumba mwanu ngakhale ngati simunakhome msonkho, kuipangitsa kukhala chinthu champhamvu kwa antchito opeza ndalama zochepa ndi osafuna ndalama zambiri.

Malamulo a Msonkho Ofala Amene Amachepetsa Msonkho Wanu

Madasiki ndi madesiki amene amagwiritsidwa ntchito kwambiri. Chaka chilichonse muyenera kusankha pakati pa kutenga ndalama zochepetsera ndalama zimene mwawononga kapena kugula ndalama zimene mwawononga. Chigamulochi chimadalira ngati ndalama zimene mwagula zikuposa ndalama zimene mukugwiritsa ntchito pogula zinthuzo. Kumvetsa ndalama zimene mukuzipeza . Ndi mmene mungayenerere kulipira ndalamazo.

Special Deduction v.

M’chaka cha 2023 cha msonkho, ndalama zochepetsedwa zoyenerera ndi madola 3,850 kwa mafaelo amodzi, $27,700 kwa okwatirana ogwirizana, ndi $20,800 kwa mitu ya nyumba. Opereka msonkho ambiri amapeza kuti ndalama zoikizidwa zapaderazo nzazikulu kuposa ndalama zonse zimene aikapo, kupangitsa kukhala zosavuta. Komabe, ngati muli ndi nyumba, muli ndi ndalama zambiri zothandizira anthu opeza ndalama, kukonza ndalama zothandizira anthu okwatira, zingapangitse phindu lalikulu. Simungathe kutchula zonse ziŵirizo kuti, musankhe ndalama zofunikira.

Kuphatikiza: Chikondwerero cha Malonda

Opereka nyumba amene amagulitsa chiwongola dzanja pa ngongole yolipiridwa pa nyumba yogulitsidwa, kumanga, kapena kuwongolera nyumba yoyamba kapena yachiŵiri. Ndalama zolipirira ndalama zapanyumba zimalekezedwa pa $7500,000 ya ngongole ya nyumba ya ukwati wosiyana. Kwa okhoma msonkho amene anagula nyumba asanabadwe pa December 16, 2017, malirewo ndi $1,000,000. Ndalama zimenezi zingakhale zolemera m'madera apamwamba a ndalama ndi kulimbikitsa nyumba, zimene kaŵirikaŵiri zimalingaliridwa kukhala zosungiramo chuma cha boma m’midzi yakumaloko.

Kupereka Misonkho: Boma ndi Misonkho ya M’dziko (SALT)

Mukhoza kuchotsa msonkho wa ndalama zimene mumapeza ndi misonkho ya kwanuko (koma osati yonseyo), komanso misonkho ya katundu, kukafika pamlingo wogwirizana wa $15,000 ($50,000 ngati muli pabanja). Mapindu a SALT olipira msonkho m'maboma apamwamba, ngakhale kuti kapusiyo imachepetsa zotsatira zake poyerekeza ndi zaka zapita.

Kupereka Kopereka Koperekedwa

Zopereka kwa mabungwe 501(c)(3) n’zosapezeka pamene mukutumiza. Zimenezi zimaphatikizapo ndalama, katundu, ndiponso ngakhale malo aulendo oyendetsedwa kaamba ka zifuno za anthu. Kwa 2023, mungapereke 60% ya ndalama zanu zosinthidwa zopereka za ndalama ku mabungwe a anthu opereka. Zopereka zosakhala zapakhomo, monga zovala kapena katundu wa m’nyumba, ziyenera kukhala bwino kapena zabwino. Mapepala oyenerera [1] ngati malisiti kapena zikalata zovomereza zopereka ndalama zoposa $250. Tim imatumiza mphatso zanu mwapadera, monga zopereka zoperekera ndalama ku ndalama za msonkho chaka chimodzi, zingakuthandizeni kupambana ndalama zoperekedwa pamtengo wapamwamba.

Kuchotsa Madesiki: Kuwononga Madokotala ndi Mano

Zowonongedwa za mankhwala zosatsutsidwa zimene zimaposa 7.5% ya ndalama zanu zoposerapo nzosafunika. Zowonongedwa zothekera zimaphatikizapo kupita kwa dokotala, mankhwala operekedwa ndi dokotala, kugona m’chipatala, mankhwala a mano, ndiponso ndalama zina zothandizira anthu amene apuma pantchito kapena mabanja amene ali ndi matenda aakulu, zingakhale zofunika kwambiri.

Madoko apamwamba

Zikalata zochepetsera ndalama zimene mumagwiritsa ntchito monga ndalama zimene mumagwiritsa ntchito pogula zinthu, ngakhale musanalembe zinthu zina. “Pamwamba pa [1] pa ndalama zimene mumapeza, zimachepetsa ndalama zimene mumapeza. Zitsanzo zimaphatikizapo zopereka ku ma IRA, chiwongola dzanja cha ophunzira (zokwana madola 2,500), ndalama zosungidwa za ndalama zothandizira kugula matenda, ndi ndalama zimene aphunzitsi amafunikira (zofika pa $300). Zimenezi n’zofunika kwambiri chifukwa chakuti zimachepetsa AGI, zimene zingakhudzenso ndalama zimene mungathe kugula ndi ndalama zina.

Ufulu Wofala Wopereka Msonkho Wobwezera Ndalama

Anthu ambiri amalipira ndalama za msonkho chifukwa chakuti amachepetsa msonkho.

Mphoto Yolandira Msonkho (EITC)

EITC ndi chiwongola dzanja cha antchito otsika ndi olandira ndalama zochepa. Mu 2023, ngongole yaikulu ndi $7,430 kwa mabanja okhala ndi ana atatu oyeneretsedwa. Ngakhale antchito opanda ana angayenerere kaamba ka ngongole yaing'ono yotsala $600 . Nthano za ngongolezo zikakwera. Chifukwa chakuti ikhoza kutayikiridwa, EITC ikhoza kutulutsa ndalama zobwezedwa ngakhale ngati mulibe msonkho, kuipanga kukhala imodzi ya zida zamphamvu koposa zotetezera ku msonkho. Kuitcha, muyenera kukonzanso msonkho, ngakhale ngati ndalama zanu nzansi kwa chiŵiya chamtengo. IRS imapereka chiŵiya chothandizira kuthandizira kulumikitsa.

Kupereka Msonkho kwa Ana (CTC)

Mu 2023, CTC yakwana $2,000 pa ana onse amene ali ndi zaka zosafika 17.

Zilango za Maphunziro

Zikalata zazikulu ziŵiri zimathandiza kuchepetsa mtengo wa maphunziro apamwamba: American Opportunity Tax Creding (AOTC) ndi American Victory (LLC).

  • American Opportunity Trought Credit:[FL:1] Imayenerera $2,500 pa ophunzira oyenerera kwa zaka zinayi zoyambirira za maphunziro a sekondale. Kufikira 40% ya ngongole imabwerera. Ndalama zotayidwa zimaphatikizapo ndalama, malipiro, ndi ziŵiya za kosi. Magawo a ngongole a mafaelo a AGI oposa $800,000 ($10,000 ya opanga mafaelo ogwirizana).
  • [[FLT: 0] Credit Living Learning Credit: Imapereka $2,000 pa kubwezedwa msonkho pa kuyenerera kwa ndalama ndi ndalama za maphunziro a otsika, omaliza maphunziro, kapena aukatswiri. Siingasinthidwe ndipo ilibe malire pa chiŵerengero cha zaka zimene munganene. Mzera wapamwamba wa AOTC . $59,000 kwa mafaelo amodzi mu 2023.

Mathango onse aŵiri sangaperekedwe kwa wophunzira mmodzi chaka chimodzi cha msonkho, koma inu mungasinthane pakati pawo. Kaamba ka tsatanetsatane wowonjezereka, onani [[FLT: 0] IRS for Education Threets tsamba [[FLT: 1].

Malo Okhala ndi Mphamvu Zokwanira

Okhala m’nyumba amene amayeneretsa kuwongolera mphamvu zamagetsi zingapeze Group Efficentient Home Reconfiduction Certification (ofunika kufika 30% ya mtengo wa kuwongolera monga kuwonjezera mphamvu, mawindo, zitseko, ndi zotenthetsa) kupyola 2032. Pali makhondeji a chaka ndi chaka: $200 a kuwongolera kwakukulu, ndi malire a kutentha kwa zoponyera zotentha ($2,000) ndi zitofufufu za biomas ($2,000) . Kuwonjezerapo, Resitalentient Ecree Ener Ener Link Icrect imakutatsa 30% ya maboligial, turbines, kutentha kwa madzi, ndi bhetriat , popanda ndalama. Zimenezi zimachepetsa msonkho wanu pamene zikuchepetsa mapazi a carbon .

Mipata Ina Yodziŵika

  • Mwana ndi Directent Care Creence: Amathandiza kulipira zowonongedwa za mwana wa zaka 13 kapena wachikulire wodalira pa iye kuti mugwire ntchito. Mu 2023, ngongoleyo iri kufika $600 kwa munthu woyeneretsedwa kapena $1,200 kwa aŵiri kapena kuposapo.
  • Premium Trough Treasure: Inishuwarensi ya thanzi ya anthu ndi mabanja amene amagula Inishuwarensi ya Zaumoyo ku Msika . Ngongole imapitirizidwa ndipo imazikidwa pa ndalama zimene amapeza mogwirizana ndi mlingo wa umphaŵi wa boma.
  • Thrs yosungira: Amalimbikitsa antchito olandira ndalama zotsika ndi zochepera ku kupereka ku maakaunti a kupuma pantchito. Ngongo yamtengo 10% kufika 50% ya zopereka zofika pa $2,000 pa mafaelo ogwirizana).

Njira Zothandiza Kuchepetsa Mabuku ndi Mathayo

Kuti muchepetse msonkho, muyenera kuchita zinthu zogwirizana ndi ndalama zanu.

Sankhani Mkhalidwe Woyenera

Kugula kwanu kwa kampani , kukwatira, kusewera pamodzi, kudyetsa banja, kutsogolera banja, kapena kuyenerera mkazi wamasiye (air) . Kumasintha ndalama zanu zapanthaŵi yake, mabulaketi a msonkho, ndi kuyenerera kwa anthu ambiri. Kaŵirikaŵiri okwatirana amapindula mwa kukonza pamodzi, koma nthaŵi zina kusonkhanitsa kungasungitse kuyenerera kaamba ka ngongole zina kapena kuchepetsa mbali zina. Mutu wa banja umapereka ndalama zambiri ndi mabulaketi a msonkho, chotero ngati muyenerera, gwiritsirani ntchito.

Mabuku Othandiza Kuposa Mabuku Oyambirira

Ngati ndalama zimene mumagwiritsa ntchito n’zochepa kwambiri poyerekezera ndi ndalama zimene mumalipirazo, ganizirani “zopereka zothandizira anthu ovutika. Mwachitsanzo, mungawonjezere ndalama zimene mungathe kupereka chaka chilichonse. Njira imeneyi imathandiza kwambiri eninyumba ndi anthu opereka zinthu zaufulu.

Zopereka Zopuma Pantchito

Kuwonjezera pa IRA kapena 401 (k) imachepetsa ndalama zimene mumalandira pokhoma msonkho pa ndalama zanu zamtengo wapatali zogulira madola (muyeso). Kwa 2023, mungapereke $6,500 ($7,500 ngati muli ndi zaka 50 kapena kuposa) ku IRA ndi $2,500 ($2,50 + + 50) kuti mukhale 401(k). Simumangochepetsa ndalama zanu za msonkho, komanso zimasunga ndalama zotsala. Ngati muyembekezera kukhala m'gulu la misonkhoma yaing'ono mu kuleka ntchito, mtengo wapamwamba ndi wamtengo wapatali.

Asanathe Anapeza Mabuku Owonjezera Maphunziro

Ngati muli wophunzira kapena wodalira pa koleji, ŵerengerani kuti ndi ngongole iti ya maphunziro imene imapindulitsa kwambiri. AOTC kaŵirikaŵiri imapatsa mowonjezereka kwa zaka zinayi zoyambirira chifukwa cha mbali yake yoŵerengeka ndi ndalama zowonjezereka ya ngongole. LLC iri yabwinopo kwa ophunzira omaliza maphunziro kapena kulembetsa kwa nthaŵi imodzi. Simunganene kuti onse aŵiriwo ali wophunzira mmodzi, koma mukhoza kupempha AOTC kaamba ka mwana mmodzi ndi LLC kaamba ka wina. Musanyalanyane Tuiotion ndi Fees Deduction (ingapezeke m'zaka zina) komano siiwonjezedwa kwa 2023; pendani lamulo lamakono.

Gwiritsani Ntchito Ndalama Zokongola

If your income is low enough that you owe little or no tax, prioritize refundable credits like the EITC and the Additional Child Tax Credit. These can generate a refund even if you have no tax liability. To qualify, you must file a tax return, even if not otherwise required. The IRS EITC page provides a detailed eligibility checklist.

Khalani Olinganizidwa Chaka Chonse

Kulinganiza msonkho kwachipambano kumafuna khama la chaka chimodzi. Chonde sungani malisiti opatulidwa (kapena mapictures, invoisiti, ndi zopereka. Kokerani ndalama za mankhwala, zopereka zothandizira othandizira osoŵa, zopitira panyumba, ndi zolipira za maphunziro pamene zikuchitika. Gwiritsirani ntchito pulogalamu yapasadake kapena ya msonkho kuŵerengera malo anu a chaka chapakati pa chaka ndi kusinthana ndi kubwezera kapena kuyerekezera kulipira. Ndiponso, pendani kusungitsa kwanu chaka chilichonse, makamaka pambuyo pa zochitika zazikulu za moyo monga ukwati, chisudzulo, kapena kubadwa kwa mwana.

Funsani Msonkho

Pamene kuli kwakuti okhoma misonkho ambiri angayang'anire misonkho yawo ndi mapulogalamu a pulogalamu, mikhalidwe yovuta , monga kukhala ndi bizinesi, kukhala ndi zinthu zambiri zobwerekedwa, kapena kuchita ndi mapindu aakulu otsatsa malonda . Wosunga ndalama wa boma kapena wolembetsa angadziŵe ngongole ndi ndalama zimene mungaphonye, kutsimikizira kuti mutsatira malamulo a msonkho oyendetsedwa bwino, ndi kukuthandizani kukonza njira yochitira bizinesiyo kwa zaka zambiri. Ndalamayo kaŵirikaŵiri imalipira posunga misonkho.

Misampha Yofala Yofunika Kupewa

Ngakhale okhoma misonkho osamala angayambe kunyalanyaza zolakwa zimene anthu ambiri amalakwitsa zomwe zimachepetsa kapena kulepheretsa mapindu a misonkho ofunika kwambiri.

Chikalata Chosoŵeka cha Zopereka za Charitable

Ngati mulemba, IRS imafuna kulembedwa kwa ndalama zoperekera $50 kapena kuposa. Pa zopereka za ndalama, cholembera kapena faifiti kuchokera ku gulu la opereka ndalama zothandizira anthu n’zofunika. Pa zinthu zosakhala za kachasu zoposa $500, muyenera kulemba Masamu 8283, ndipo zinthu zoposa $5,000 kaŵirikaŵiri zimafuna kuvomerezedwa. Popanda zolembedwa, ndalama zanu siziloledwa.

Kunena Molakwika za EITC

EITC ili ndi malamulo ovuta kwambiri okhudza ndalama zimene munthu amapeza, ndalama zimene amapeza, ndi ana oyenerera. Zolakwa zambiri zimaphatikizapo kugwiritsira ntchito malo olakwika, kutchula ndalama zolakwika, kapena kunena kuti mwana amene sagwirizana ndi anthu amene amakhala. IRS ingakane ngongole ndi kupereka chilango. Gwiritsirani ntchito [[FL:0] Mthandizi wa ETC kuyesa kuyenerera kwanu.

Kunyalanyaza Zotulukapo Zansa

Malonje ambiri ndi ndalama zina zimene mumalandira zikamakwera. Kulephera kutchula za anthu amene atsala pang'ono kulowa m'masitepe kungayambitse kudabwa kwambiri panthaŵi ya msonkho. Mwachitsanzo, ngongole ya mwana iyamba kupitirira $400,000 ($400,000). Ngati ndalama zanu zili pafupi ndi poyambira, lingalirani za ndalama zimene mumalandira kapena kuwonjezera ndalama kuti mukhale pansi pa mlingo wa chigawo.

Kunyalanyaza Miyalo ya Boma

Maboma ambiri amapereka mathango awo a boma limodzinso ndi mangawa apadera monga mangawa a maphunziro a zachuma, ntchito yozimitsa moto, kapena ndalama zothandizira ana olera. Musaiwale kupenda mapindu a boma osapita mwachindunji pokonzekera kubwerera kwa boma lanu. Webusaiti yanu ya Revenue ndi yothandiza kwambiri.

Kumaliza

Malamulo a msonkho ndi ma ngongole ndi njira zamphamvu zimene sizimangochepetsa ndalama zanu komanso kulinganiza makhalidwe amene amalimbitsa mudzi wanu ndi dziko. Kuchokera ku zopereka zothandizira anthu ndi kukhala ndi nyumba zothandizira anthu ndi maphunziro ndi mphamvu, makonzedwe alionse amasonyeza chosankha chadala chobwezera pangano la boma. Mwakuzindikira kusiyana pakati pa ndalama ndi ngongole, kukhala wolinganiza, ndi kulinganiza bwino, mungawonjezere ndalama zanu pamene mukupanga zopereka zothandiza anthu. Malamulo a msonkho amasintha nthaŵi zonse, choncho muzipenda chaka ndi chaka kupyolera mwa kutchuka kapena malangizo aukatswiri wa .