Kumvetsa malamulo a msonkho n’kofunika kwambiri kuti muchepetse msonkho komanso kuti muchepetse msonkho.

Kodi N’chiyani Chikuchitika Chifukwa cha Msonkho?

Malipiro a msonkho, omwe amadziwikanso monga kulemba msonkho, ndi zinthu zimene zimaloledwa kuti muchotse ndalama zimene mumalandira pokhoma msonkho. Mwa kuchepetsa ndalama zimene mumapeza (AGI), ndalama zochepetsera ndalama zimene mumalandira polipira msonkho wa boma. Zimenezi zimachepetsa kwenikweni msonkho wanu.

Nkofunika kusiyanitsa ndalama za msonkho ndi za ngongole. Pamene kuli kwakuti ndalama zochepetsera ndalama zimene mungakhometse, ngongole zimachepetsa ndalama zanu za msonkho za ndalama zogulira ndalama za kampani. Zopereka zina zofala zimaphatikizapo Child Taxix Creasure ndi Inhoot Coomistion. Malamulo a boma ndi amphamvu mofanana, makamaka kwa aja ali m’mabulaketi a msonkho wapamwamba, chifukwa chakuti ndalama iliyonse yochotsedwa imasunga ndalama zanu za msonkho wolingana ndi mtengo wanu wa msonkho.

Mwachitsanzo, ngati muli m’gulu la anthu 22% amene amakhoma msonkho ndipo mukufuna ndalama zokwana madola 1,000, mumasunga $220 pa misonkho.

Mitundu ya Msonkho

Mukhoza kugwiritsa ntchito mtundu wa ndalama zimene mumalipira pachaka.

  • Kudyetsedwa koyenerera: Ndalama yoikika ya dola yoikidwa ndi IRS imene yopereka msonkho wochuluka inganene kuti ikhale yosafunikira kundandandalika ya zowonongedwa za munthu aliyense. Ndalamayo imasiyana ndi kulinganiza kwa mafashoni (yokha, ya muukwati mogwirizana, mutu wa banja, ndi zina zotero) ndipo imasinthidwa chaka ndi chaka kaamba ka kukwera mtengo.
  • Kudula zinthu zoikizidwa: Zowonongedwa zachindunji zimene mumandandalika pa [[FT:2] Sucre A (FORM 1040) kuchepetsa ndalama zanu zolipira msonkho. Ndalama zofala zikuphatikizapo chiwongola dzanja, msonkho wa boma ndi wa kumaloko (SALT), zowonongedwa za mankhwala, ndi zopereka zothandizira anthu osoŵa. Kupereka kumafuna kuti musunge ndandanda ndi malisiti anu.
  • Kutsogolo-kumapeto kwa Malo: Amatchedwanso masinthidwe ku ndalama, zimenezi zimachotsedwa ku malipiro anu aakulu musanaŵerenge AGI yanu. Zimapezeka mosasamala kanthu za kaya muika kapena kutenga ndalama zoikiziridwa. Zitsanzo zimaphatikizapo zopereka ku IRAs, chiwongola dzanja cha ophunzira, ndi ndalama zolipirira mphunzitsi.

Kusankha ndalama zochepetsera msonkho kungakuthandizeni kwambiri.

Special Deduction v.

Kusankha ngati mukhoza kutenga ndalama zochepetsedwa kapena kuchepetsa ndalama zimene mwawononga ndi chimodzi mwa zinthu zofunika kwambiri zimene mumachita pokonza. Pano pali kuyang'ana mozama pa ndandanda iliyonse.

Kumasulira Koyenera

Kuchepetsa ndalama zimene mumalipira ndi njira yosavuta yochepetsera ndalama zimene mumalipira msonkho.

  • Madola amodzi: $14,600
  • Mapepala a ukwati pamodzi: $29,200
  • Mutu wa banja: $21,900
  • Kulembetsa ukwati mosiyana: $1600

Mitengo imeneyi imawonjezeka pang'ono chaka chilichonse chifukwa cha kukwera mtengo kwa zinthu. Ngati muli ndi zaka 65 kapena kuposerapo kapena kugoma, mungayenerere kuchepetsa ndalama zina zoyenerera. Okhoma misonkho ambiri amapeza ndalama zoyenerera chifukwa chakuti safunikira kusungitsa ndalama zowonongedwa. Komabe, ngati zinthu zimene mwapanga zikukwera kwambiri kuposa ndalama zimene mungathe kugula, zingakupatseni ndalama zofunikira kuti mupange zinthuzo.

Madesiki Oikidwa

Kupanga zinthu kungakuthandizeni kupeza ndalama zogulira zinthu zimene bungwe la IRS limaona kuti n’zosavuta kugula.

  • Chikondwerero cha Thupi: Chikondwerero chinalipira $7500,000 ya oyeneretsedwa kupata nyumba (kapena $1 miliyoni ya ngongole zokhalako December 16, 2017).
  • Kafukufuku ndi Misonkho ya Kumalo Anu (SALT): [[FT:1] Munganene kuti ndalama zimene mumalandira kapena misonkho ya boma, kuphatikizapo msonkho wa katundu, kulingana ndi malire a $15,000 ($50,000 ngati muli pabanja).
  • Zowonongedwa za Madokotala ndi Zantha: Njabwino zopitirira 7.5% ya ndalama zanu zosinthidwa (AGI) nzosagwiritsidwa ntchito. Zimenezi zimaphatikizapo kulipirira madokotala, zipatala, mankhwala operekedwa ndi dokotala, ndi mautumiki ena anthaŵi yaitali.
  • Zopereka za Accounting : Zopereka kwa mabungwe oyenerera othandizira osoŵa zingachotsedwe, ndi malire a 60% ya AGI yanu ya zopereka za ndalama (zogonjera ku malamulo ena).
  • Kutaikiridwa ndi Kutaikiridwa : Kutaikiridwa ndi masoka olengezedwa ndi boma kungakhale kokhoza kutayika, koma kokha ngati muikapo ndi kutaikiridwa kuposera 10% ya AGI yanu ndi $100.

Kulemba zinthu papepala pakokha kumafuna kuti mulembepo zinthu mosamala monga malisiti, macheke, ndi mapepala a kubanki.

Zofunika Zosalephera Pophunzira

Kuti mupereke ndalama zilizonse za msonkho, muyenera kukwaniritsa ziyeneretso zakutizakuti:

  • Muyenera kuti munawononga ndalamazo m’chaka cha msonkho chimene mukuikamo misonkho.
  • Zowonongedwa ziyenera kulingaliridwa [[FL:0] kukhala zachisawawa ndi zofunika [ za ntchito yanu, bizinesi, kapena mkhalidwe waumwini. Mwachitsanzo, ofesi ya panyumba iyenera kugwiritsiridwa ntchito kokha ndi nthaŵi zonse pa bizinesi.
  • Ngati mwachepetsa ndalama zimene mwalemba, muyenera kukhala ndi zolembedwa (mareceips, invoices, informes) zimene zimatsimikizira ndalama ndi cholinga cha ndalamazo.
  • Mwachitsanzo, ndalama zimene munthu angabwezere ndalama zogulitsira ndalama za mwana wasukulu zimayamba kuchepetsedwa kwa anthu amene ali ndi ndalama zokwana madola 75,000 mu 2024.

Ngati simukudziwa kuti simungathe kulipira ndalama zambiri, funsani malangizo a bungwe la IRS kuti mudziwe mmene mungachepetsere ndalama kapena lankhulani ndi katswiri wa za msonkho.

Zisonkhezero za Msonkho Zofala kwa Anthu

Msonkho aliyense payekha angachepetse ndalama zake kuti achepetse ndalama zimene amakhometsa msonkho.

Kuwononga Madokotala ndi Mano

Ngati muli ndi ndalama zambiri zogulira mankhwala, mukhoza kuchotsa gawo limene limaposa 7.5% ya AGI yanu. Zowonongedwa za ndalama zathanzi zikuphatikizapo ndalama za inshuwalansi ya zamankhwala (ngati simunalipire ndi ndalama zotsala za ndalama zoyendetsera msonkho), kuyendera adokotala, kukhala ndi chipatala, ntchito ya mano, kuyang'anira maso, ndi mankhwala ogwiritsidwa ntchito. Zofunikanso ndi kugula mankhwala (mphindi, makilogalamu a pamlingo wa zamankhwala), ndi kukonza nyumba yanu pazifukwa zamankhwala (m.g., kuika magopps kapena shawa).

Kukondwera ndi Wophunzira

Mukhoza kuchotsa ndalama zokwana madola K8,500 a chiwongola dzanja pa ngongole za ophunzira oyenerera kwa inu nokha, mnzanu wa muukwati, kapena odalira pa inu. Ndalama zotsalazo zimatengedwa monga kukonza malo apamwamba, kutanthauza kuti simufunikira kutumiza zinthu. Komabe, masitepe ochepetsedwa a mafaelo amodzi ndi AGI oposa $800,000 ($165,000) kaamba ka ukwati umodzi mu 2024.

Zopereka Zopuma Pantchito

Zopereka ku IRA yamwambo zingakhale zokwanira kapena zosakwanira, malinga ndi ndalama zimene mumapeza ndi kaya inu (kapena mnzanu) mumalembedwa ndi bwana wanu. Kwa 2024, ndalama za IRA ndi $8,000 ngati muli ndi zaka 50 kapena kuposa). Ngati muli ndi ntchito zanu zokha, zopereka ku SEP IRA kapena Solo 401 zingachotsedwe monga ndalama za bizinesi.

Zopereka za Accounting Office

Zopereka kwa magulu 501(c)(3) n’zosafunika ngati mutalemba. Ndalama za ndalama kaŵirikaŵiri zili ndi 60% ya AGI yanu, koma zopereka zosakhala zachikasu (m’ lekuatiso, zovala, mipando) zili ndi malire otsika ndipo ziyenera kuŵerengeredwa pa mtengo wokwanira wa malonda. Zopereka zoposa $250, mufunikira kulembedwa kuchokera ku maawireki. IRS imapereka chitsogozo chatsatanetsatane pa zopereka zopereka zopereka zopereka zothandizira ku modzifunira.

Ndalama Zoperekedwa ndi Aphunzitsi

Aphunzitsi ndi aphunzitsi ena oyenerera angatulutse $300 ($600) ngati onse aŵiriwo ali aphunzitsi ndi mafaelo) a ndalama zosagulitsidwa kaamba ka zinthu za m'kalasi, mabuku, ndi kupita patsogolo kwaukatswiri.

Zikalata Zokhomereza Msonkho

Anthu amene ali ndi makampani ndiponso amene amagwira ntchito yawo ali ndi ndalama zambiri zimene zingachepetse kwambiri ndalama zimene munthu amapeza pokhoma msonkho.

Ndalama Zofunika Ndiponso Zofunika pa Mabizinesi

IRS imalola ziwongola ndalama zimene zili zonse ziŵiri zachibadwa [1] (ofala m'maindasitale anu) ndi ] ofunikira [ (kuthandiza ndi koyenerera pa bizinesi yanu). Zitsanzo zimaphatikizapo maofesi a lendi, owonjezera, zopereka, kutsatsatsa, ndalama zovomerezeka, inshuwalansi, ndi malipiro a antchito. Zimenezi zalembedwa pa [[FLT: 4.] C (FORM 40)[FT:5] kaamba ka kubwerera kwa propiter kapena pa mabizinesi oyenerera a msonkho (g., 1120).

Kuchotsa Ofesi Yapanyumba

Ngati mugwiritsa ntchito mbali ina ya nyumba yanu yokha ndiponso nthaŵi zonse pa bizinesi, mungayenerere kuchepetsa ofesi ya nyumba. Mungagwiritse ntchito njira yosavuta ya $5 pa sentimita imodzi, mamita masikweyare 300 kapena njira yozoloŵereka (kuwonjezera ndalama zenizeni monga chiwongola dzanja, mafuta, ndi zokonzera zinthu zoyendera ku bizinesi). Onani kuti ndalama zimenezi zilipo kwa anthu amene ali ndi ntchito zawo zokha; antchito sangathe kulipira ofesi yapanyumba pansi pa lamulo lamakono.

Ndalama Zowonongedwa

A eni mabizinesi angachotse mtengo wa kugwiritsa ntchito galimoto pa ntchito za bizinesi. Muli ndi njira ziŵiri: Mwezi wa woyendera [masentimita (masenti 1] pa 2024) kapena yopindulitsa ya mtengo wa galimoto [ (kukonza gasi, kukonza, inshuwalansi, kukwera mtengo, ndi zinanso., malinga ndi mlingo wa makilomita a bizinesi). Mtengo wa makilomita apamwamba ndi wosavuta, koma njira yeniyeni yoperekera ndalama ingapereke ndalama ngati muli ndi galimoto yokwera. Sungani ndandanda ya makilomita kuti muchirikize.

zopereka ndi Chigawo 179

Mabizinesi monga makompyuta, makina, ndi mipando ingachotsedwe pa moyo wawo wopindulitsa. Komabe, Kusintha 179 kumalola kuti muchotse ndalama zonse (kufikira $1,2200,000 mu 2024) za kuyenerera kapena kugwiritsidwa ntchito m'ntchito ya chaka cha msonkho, potengera pa gawo la msonkho. Kukwera kwa 60% kwa 2024) kumalolanso kuchotsa chuma ndi nyengo yokonzanso zaka 20 kapena zochepera. IRS imapereka malamulo atsatanetsatane pa njira zothandizira kapena zogwiritsidwa ntchito popereka msonkho.

Kudzichotsera Msonkho

Anthu olembedwa ntchito amalipira antchito ndi abwana awo mbali za msonkho wa Social Security ndi Medicara , womwe ndi mtolo waukulu. Komabe, mungachotse gawo lofanana (50% ya msonkho wa ntchito zaumwini) monga ndalama zochepetsedwa pa Pregime 1040, kuchepetsa malipiro anu onse oyenera kukhoma msonkho.

Mmene Munganenere Kuti Mumakhomerezedwe Kubwezera Msonkho

Kuti mudziwe ndalama zimene mukulipira, muyenera kuonetsetsa kuti zinthuzo zikuyendereni bwino komanso muzionetsetsa kuti mwatsatira njira zimenezi kuti mupeze ndalama zonse zimene mwayenera kupereka.

  1. Kusonkhanitsa malisiti anu: onse, W-2, 1099, zikalata za chiwongola dzanja cha nyumba (Form 1098), zopereka zothandizira anthu, ziphatso za makilogalamu, ndi kufotokoza mwachidule za mankhwala. Mabuku a manambala amavomerezedwa malinga ngati ali omveka bwino ndi okwanira.
  2. . . . . . . Gwiritsirani ntchito pepala lofufuzira kapena pulogalamu ya msonkho kuphatikiza ndalama zimene mumawononga. Ngati zonsezo zikuposa ndalama zimene mumawononga, jambulani. Kupanda apo, tengani ndalama zotsala.
  3. Semmelweer shopu A (kuika): tumizani ndalama zanu zoyenerera ku Sedynal A ndi kuziwonjezera. Chiwonkhetso chonse kuchokera ku Sedynal A chaikidwa pa Mafomu 1040, layini 12.
  4. Claim pamwamba pa zonulirapo za layini: Gwiritsirani ntchito mafomu oyenera kapena mandandanda kaamba ka masinthidwe onga ngati ndalama zoperekera IRA (FOR 5329 kapena lisiti yanu ya IRA), chiwongola dzanja cha ophunzira (Ssecule 1, layini 21), ndi zowonongedwa za mphunzitsi (Spure 1, layini 11).
  5. File kubwerera kwanu pa deti: Nthaŵi yoikizira msonkho ndi yoyambirira April 15. Ngati simutha kulemba pa nthaŵi yake, Fayili Madeti 4868 kaamba ka kufutukulidwa kwa mwezi umodzi. Mafutukulidwe amakupatsani nthaŵi ya kujambula pa pepala, koma osalipira ndalama za msonkho.

Okhometsa msonkho ambiri amagwiritsira ntchito okonza misonkho aukatswiri kapena maprogramu a misonkho otchuka kuchepetsa zolakwa. IRS imapatsanso Fairasi Yaufulu kwa anthu oyenerera okhala ndi AGI ya $79,000 kapena ochepera.

Kusintha kwa Posachedwapa kwa Nkhokwe (2024 ndi Kupitirira)

Malamulo a msonkho amasintha kaŵirikaŵiri, chotero kukhalabe wodziŵa nkofunika.

  • Kusintha kwa kukwera kwa mtengo: Ndalama zochepetsedwa za pasadakhale, mabrikesi a msonkho, ndi malire ambiri a ndalama (m' lekuatiso, chipewa cha SALT, IRA) amasintha chaka chilichonse kuti achepetse kukwera mtengo kwa zinthu. Onani chofalitsa cha IRS cha chaka chathachi.
  • Desikizo lopereka zothandizira anthu osakhala ndi zinthu zofunikira linatha: Malo olola kufika pa $300 ($600 ya mafaelo ogwirizana) m’zopereka za ndalama kwa awo otenga ndalama zoikizidwa zoyenerera zotha pambuyo pa 2021. Sizinabwezeretsedwenso monga 2024.
  • Ndalama zoyendetsera zikuwonjezeka: Chiŵerengero cha ndalama zokwana $250 kwa aphunzitsi chinakwezedwa kufika pa $300 pa 2023 ndi 2024 (choikidwiratu cha kukwera mtengo).
  • Chiwongola dzanja cha malonda chochepetsedwa: Pa Gawo 163(j), ndalama zochepetsedwa za malonda zili ndi 30% ya ndalama zopitira msonkho, ndi zina za mabizinesi aang'ono.

Kaamba ka chidziŵitso chatsopano, fufuzani pa webusaiti ya IRS kapena mlangizi wa msonkho wodalirika. , Thumba la nyuzipepala [[FLT: 1] ndilo magwero odalirika kaamba ka zilengezo za boma ndi masinthidwe a lamulo la msonkho.

Zolakwa Zofala Zopeŵera Pamene Tinena Kuti Tiri Oledzera

Ngakhale okhoma misonkho mosamala angapange zolakwa zimene zingawatayitse ndalama kapena kupangitsa kuŵerengera IRS.

  • Kuyang'anira zokwezedwa: Opereka msonkho wa boma ambiri amaphonya ndalama zochepetsedwa zonga msonkho wa malonda (ngati mukukhala m'dziko lopanda msonkho wa ndalama), kubwezeretsanso mapindu apadera (omwe amawonjezera maziko anu a mtengo, osati pa mlingo uliwonse, koma kuyambukira mapindu a ndalama zosungidwa zamalikulu), ndi kusungidwa kwa zosungira zathanzi (HSA).
  • Ndalama zaumwini ndi zamalonda: Kunena kuti ndalama zowonongedwa zaumwini monga ndalama zochepetsedwa za bizinesi ndizo mbendera yofiira. Kokha ndalama zogwirizana mwachindunji ndi bizinesi yanu nzosawonongeka. Sungani maakaunti a banki ndi makhadi a ngongole kaamba ka bizinesi.
  • Kulimba mtima kusunga zolembedwa zolondola: Popanda malisiti, mitengo ya mtunda, kapena zikalata za kubanki, IRS ingachotse ndalama zanu ngati muŵerengera. Gwiritsirani ntchito app ya foni kapena pulogalamu yosavuta kujambula kuti mulondolera ndalama zimene zikuwonongedwa chaka chonse.
  • Molondola malire: Maperesenti ambiri ali ndi magodi a AGI (m' lekuatiso, zowonongedwa za mankhwala zopitirira 7.5% ya AGI) kapena zipewa (m' lekuatiso, SALT dollar yokwanira $100,000).
  • Kuchepetsa maofesi apanyumba molakwika: Ofesi ya panyumba iyenera kugwiritsiridwa ntchito kotheratu ndi nthaŵi zonse ku bizinesi. Kugwiritsira ntchito kwa mano (m's., gome lanu lodyera logwiritsiridwa ntchito monga desiki) siliyenera.

Kumaliza

Kudziwa ndalama zimene mumalipira kumathandiza kuti muzisamalira bwino ndalama zanu komanso kuti musamapereke ndalama zambiri pa nkhani ya msonkho.