Chiyambi: Chifukwa Chake Kumvetsa Misonkho N’kofunika

Chaka chilichonse, anthu mamiliyoni ambiri ndi mabizinesi amayendetsa zinthu zovuta kwambiri potsatira misonkho. Kaya ndinu wophunzira amene akulandira cheke ya malipiro anu oyamba, wolipira ndalama, kapena mwini wa kampani waung'ono, kuyang'anira kufunika kwa misonkho kuti mukhale ndi ndalama ndiponso kuti mukhale womvera malamulo. Kukhoma misonkho kumathandizira anthu kuti azidziwa bwino misonkho. Kukhoma misonkho kumathandizanso kuti mukhale ndi udindo waukulu wa zachuma. Kulephera kukhoma misonkho kungakuchititseni, chiwongolatso, chiwongola dzanja, kapena ngakhale vuto la lamulo.

Kodi Misonkho Nchiyani Ndipo Nchifukwa Ninji Timailipira?

Mwachidule, misonkho ndi ndalama zimene boma limapereka kwa anthu, makampani, ndi katundu. Ndizo gwero lalikulu la ndalama zimene maboma amapereka zinthu ndi ntchito za boma. Popanda misonkho, zigwirizano ndi ntchito zimene timadalira tsiku ndi tsiku. Malo ofunika oyendetsedwa ndi misonkho akuphatikizapo:

  • Maphunziro — kuyambira ku sukulu za boma mpaka ku maphunziro apamwamba
  • Makampani a zaumoyo — kuphatikizapo zipatala za boma ndi mainshuwalansi a zaumoyo
  • Apolisi, madipatimenti ozimitsa moto, ndiponso anthu ovulala mwamsanga
  • Makina oyendera anthu oyenda m’misewu, milatho, magalimoto onyamula anthu, ndi mabwalo a ndege
  • Kuteteza dziko ndi chitetezo
  • Masikito oteteza anthu ku ngozi, kusoŵa ntchito, chakudya, ndi chitetezo cha anthu

Misonkho ingabwezedwe ku mlingo wa boma, boma, ndi wa kumaloko, ndipo malamulo apadera amasiyana malinga ndi kumene mumakhala ndi ntchito. Kumvetsetsa cholinga cha misonkho [1] Kukuthandizani kuzindikira chifukwa chake kugonjera sikuli ntchito yalamulo koma kugawana ndi boma.

Mitundu ya Misonkho Mungakumane Nayo

Misonkho imabwera m’njira zosiyanasiyana, ndipo iliyonse imakhala ndi malamulo ake ndiponso mfundo zake.

Msonkho

Msonkho wa malipiro ndi msonkho wa malipiro a ntchito, ntchito yolembedwa, kuikizira ndalama, ndi zinthu zina. Ku United States, dongosolo la msonkho wa ndalama zimene boma limalandira n’lopita patsogolo, ndipo ndalama zoyendetsera zimakhomedwa pamalipiro apamwamba. Maboma ambiri amakakamizanso msonkho wawo wa ndalama zimene amapeza, ngakhale kuti mayiko angapo (monga Texas ndi Florida) alibe msonkho wa boma. [FLT: 0] Mfundo yaikulu: Ndalama zanu za msonkho ndizo ndalama zanu zonse zopimira pamalipiro ndi opatula ndi opangika, ndi liwolo limene mumadalira pa udindo wanu wopereka ndi mabrijini.

Agulitsa Msonkho

Makampani a msonkho wogulitsidwa pa malonda ndi mautumiki, wogulidwa ndi wogulitsa pamlingo wa malonda. Mlingowo umasiyana ndi boma ndipo ngakhale ndi mzinda kapena ngakhale ndi chigawo. Ena amakana zinthu zofunika monga zogulitsidwa kapena mankhwala operekedwa. . NYANGA YAPANSI: Onlinenter ingagulitsidwenso msonkho, makamaka kuyambira South Dakotal. Wayfair v. Chigamulo cha Supt Court imalola kufuna matanthauzo a kutumiza msonkho wa malonda.

Msonkho wa Malo

Msonkho wa katundu ndi msonkho wamphamvu wozikidwa pa mtengo wa katundu, malo ndi malo ambiri. Maboma akwanuko (maiko, maakaunti, magawo a sukulu) misonkho ya katundu wa ndalama zothandizira ntchito za kumaloko. Msonkho wa msonkho wa katundu wa ndalama umagwiritsidwa ntchito pa mtengo woyeneretsedwa wa katundu wanu, umene ungabwezedwe nthaŵi ndi nthaŵi. Nthaŵi zambiri eninyumba angachotse msonkho wa katundu pa kubwerera kwawo kwa msonkho kwa boma, malinga ndi malamulo.

Msonkho wa Malamulo

Makampani amakhoma msonkho pa phindu lawo. Msonkho wa bungwe la United States ndi wophwatalala 21% monga wa Lamulo la Tchata ndi Ntchito za 2017. Maboma ambiri amakakamizanso misonkho ya ndalama za kampani. Ngati muchita bizinesi monga propitorie, kugwirizana, kapena kusungitsa, ndalama zimene mumapeza kaŵirikaŵiri zimakhomedwa pa msonkho wanu wa ndalama zimene mumapeza (kupyola pa msonkho wa pakampani).

Likulu Lipeza Msonkho

Pamene mugulitsa chuma kaamba ka ndalama zoposa zimene mumalipira (chuma chamalikulu), mukhoza kukhala ndi ngongole yamalikulu. Izi zimagwira ntchito ku matanga, malo, malo, ndi kuyendetsa ndalama. Kupambana kwa kanthaŵi kochepa (kusungidwa kwa chaka chimodzi kapena kuchepera) kumasungidwa monga ndalama zopezedwa wamba, pamene kuli kwakuti mlingo wa nyengo yaitali umapindula ndi mlingo wotsika (0%, 15%, kapena 20% kudalira pa ndalama zanu). Kupangika: Ndalama za ndalama zoposa chaka chimodzi zingachepetse kwambiri kulipira kwanu msonkho.

Kulipira Misonkho

Kukhoma misonkho kumachotsedwa pa malipiro a antchito kuti apereke ndalama za Social Security ndi Medicare . Olemba ntchito amalipiranso ndalama zofanana. Ngati muli ndi ntchito yanuyanu, muli ndi udindo wa antchito ndi bwana wanu (msonkho wa ntchito zaumwini). Kumvetsa misonkho ya pepala n’kofunika kwambiri kuti muthe kugwiritsa ntchito bwino ndalama zimene mumapeza pa khofi.

Misonkho Yokwanira

Misonkho ya ndalama imaperekedwa pa zinthu zina monga petulo, mowa, fodya, ndi matikiti a ndege.

Mmene Misonkho Imasungidwira: Makina Opangira Zinthu Zofunika Kwambiri

Njira zosonkhetsera zinthu zimasiyanasiyana malinga ndi mtundu wa msonkho umene mumakhoma ndiponso kumene mumalandira ndalama.

Analeka

Kwa antchito ambiri, msonkho wa malipiro amasonkhanitsidwa mwa kusamuza. Wolemba ntchito wanu amaŵerengera msonkho woyerekezeredwa wozikidwa pa mtundu wanu wa W-4 ndi kuuchotsa pa check yolipira iliyonse, kutumiza ndalama mwachindunji kwa boma. Dongosolo limeneli limathandiza okhoma msonkho kukwaniritsa mathayo awo pang’onopang’ono chaka chonse. NDIDIDI : W-4 ngati mkhalidwe wanu waumwini wasintha (ukwati, kubadwa kwa mwana, ntchito yachiŵiri) kutsimikizira kuti ndalama zoyenerera zachotsedwa.

Kuyerekezera Kupereka Malipiro pa Masana

Ngati muli ndi ntchito zanu, womasuka, kapena wodziimira pawekha, simuli ndi misonkho. Mmalomwake, muyenera kuyerekezera ndalama za msonkho ku IRS kanayi pachaka (April, June, September, ndi January wa chaka chotsatira). Kulephera kulipira zokwanira chaka chonse kungatuluke ndi chilango, ngakhale ngati mukhala ndi malire anu onse pa nthaŵi ya April.

Apereka Msonkho

Makampani amafunika kukonza bwinobwino ndalama zimene angabweze pa Intaneti.

Kupereka Msonkho wa Panyumba

Msonkho wa katundu umaperekedwa mwachindunji kwa okhometsa msonkho akumaloko, monga ndalama ya chaka ndi chaka kapena mathirakiti (kaŵirikaŵiri). Obwereketsa katundu ambiri amabweza msonkho monga mbali ya malipiro anu a mwezi ndi mwezi kudzera mwa ndalama zolipidwa ndi kulipira ulamuliro wa msonkho pa inu.

Kukhoma Misonkho: Njira Yotsatira Payokha

Kubweza msonkho ndi njira yamwambo yoperekera ndalama zanu, zokwezedwa, ndi ngongole ku boma. Nthaŵi ya kubwerera kwa boma ku United States ndi yeniyeni April 15 [ (kapena tsiku lotsatira la bizinesi ngati lifika pa mlungu kapena pa holide). Pano pali njira yothandiza yoyendera:

1. Lembani Zimene Mumanena

Sungani mafomu onse a ndalama zimene mumalandira ndi marekodi a ndalama zimene mumawononga.

  • W-2 – kwa olemba ntchito (ndalama ndi misonkho yokana)
  • 1099-NEC – kaamba ka ntchito yaulere kapena pangano
  • 1099-INT – kuchokera ku chiwongola dzanja cha banki
  • 1099-div – kuchokera ku zipatso
  • Receips ya zowonongedwa zopinga (zamankhwala, zopereka thandizo, za malonda)
  • [[ML:0] Chiwongola dzanja [[[FULT:1] (Form 1098)
  • Chikalata cha chiwongola dzanja chandalama chamwamuna

Sankhani Njira Yokopa

Muli ndi njira zingapo:

  • Muzichita nokha [[[FLT :1] Kugwiritsira ntchito IRS Free Failo (kusintha ndalama zimene mumalandira pansi pa $73,000) kapena mafomu opangika
  • Gwiritsirani ntchito pulogalamu ya msonkho yonga TurboTax, H&R Block, kapena TchallSlayer – zimenezi zikutsogolerani kukonza ndi kuyang'ana ngati pali zolakwika
  • Kuchitira kampani ya boma (CPA) yovomerezeka kapena wolembetsa kulemberapo – kuvomerezedwa ngati muli ndi ndalama zambiri zoikizira ndalama kapena ndalama zamalonda
  • Gwiritsirani ntchito yongodzipereka Chithandizo cha Msonkho (VITA) [1] Malo — kwaulere kwa otsika kufika ku ndalama zolandiridwa

Maniziratu Kubwerera Kwanu

Phunzirani ndalama zonse zimene mumalandira kuchokera ku magwero alionse. Ngakhale ngati simunalandire fomu ya ntchito ina (m’njira yachidule, ndalama za ndalama kapena ndalama zoyendera ndalama zochepa za kampani), muyenera kuisimba mwalamulo. Gwiritsirani ntchito yolondola (yokha, ya muukwati, yosagwirizana, yokwatiwa, yosiyana, mutu wa banja, kapena yoyeneretsedwa ya mkazi wamasiye (yene).

4. Muzigonjera Ndipo Muzipereka Zoyenera

E-file ndi njira yotetezereka kwambiri komanso yofulumira. Mukhozanso kutumiza pepala lobwerera, koma kukonza n’kochedwa. Ngati muli ndi ngongole, muyenera kulipira pa nthawi yoikizira. Zosankhazi zimaphatikizapo ndalama za magetsi zosiya ntchito, khadi la ngongole, cheke, kapena ndalama. Ngati simungathe kulipira mokwanira, kupempha chipangano chachiapokha kapena kulolera kulolera kulakwa; kuwonjezera (Fm 4868) kumakupatsani miyezi isanu ndi umodzi kuti mulembepo koma osapereka chiwongola dzanja ndi chilango chimene chikuperekedwabe pamtengo wosalipiriridwa.

5. Boma la Makedzana ndi Kubwerera Kwawo

Maboma ambiri amafuna kuti boma libwezere msonkho pa maofesi a boma.

Kumvetsetsa Masukulu ndi Mathayo: Kanizani Msonkho Wanu

Zida ziŵiri zamphamvu zikhoza kuchepetsa ndalama zimene muli nazo: ndalama zimene mumalipira msonkho, pamene ngongole zimachepetsa ndalama zanu za msonkho. Kudziŵa kusiyana kwake ndi kuzigwiritsa ntchito bwino n’kofunika.

Ziphunzitso Zilongosoledwa

Kanulirapo ndalama zimene mwachotsa (AGI) potengera ndalama zimene mwapeza (AGI), zomwe zimapangitsa kuti ndalama zimene mumalandira zizichepa kwambiri. Muyenera kusankha zinthu ziwiri izi:

  • Ndalama zoikika zoikika zozikidwa pa malo anu osungira mafaelo mu 2023, $27,700 ya okwatirana onse pamodzi). Okhoma msonkho ambiri amatenga ndalama zochepetsedwa chifukwa chakuti n’zosavuta ndipo kaŵirikaŵiri n’zokulirapo kuposa kugulitsa zinthu.
  • Mundandalika ndalama zopimira: Zowonongedwa zoyenerera zonga chiwongola dzanja cha nyumba, boma ndi misonkho yakwanu (SALT) kufika pa $10,000, zopereka zothandizira anthu, ndi zowonongedwa za mankhwala zoposa 7.5% ya AGI. Kupereka kumakhala kwanzeru pamene ndalama zanu zonse zikuposa mtengo woyenerera.

Zinthu zimene anthu ambiri amagula n’zofanana ndi:

  • Chikondwerero cha kulera ana m’nyumba yaing’ono kapena yaing’ono
  • Chikondwerero cha ngongole ya ophunzira (zofika pa $2,500)
  • Malipiro a inshuwalansi ya zaumoyo imene munthu amalipira akamagwira ntchito
  • Zopereka ku Maakaunti a Malamulo ndi Kupulumutsa Thanzi (HSS - S)
  • Ndalama zowonongedwa m’malonda kwa anthu odzilemba okha ntchito

Misonkho: Kuchepetsa Kofunika Koposa

Ngongole imachepetsa mwachindunji ndalama za msonkho wanu. Mangawa angakhale okhoza kubwezedwa [[[FLT: 0] (mungabwezere zowonjezereka monga chobwezera ngati ngongoleyo iposa ngongole yanu ya msonkho) kapena yosabwezedwa (ingachepetsere msonkho wanu ku zero). Malo aakulu amaphatikizapo:

  • Ndalama zopezedwa za Msonkho (ETC): Chilolezo chokhoza kwa antchito otsika ndi olandira ndalama zochepera. Ndalamazo zimadalira pa ndalama zimene mumapeza ndi chiŵerengero cha ana oyeneretsedwa.
  • Throughs ya ana (CTC): Kufikira $2,000 pa mwana aliyense woyeneretsedwa pa zaka zosakwanira 17 (mongapo zofikira $600,000).
  • [[NT: 0] American Opportunity Trough Trust Credit Credit Lice (AOTC): Kufikira $2,500 pa wophunzira aliyense kaamba ka zowonongedwa za maphunziro oyeneretsedwa, zokhoza kuwirikiza pang'ono.
  • Credit Credit:[[FLT :1] Osasinthika, kufika pa $2,000 pa kubwerera kulikonse kaamba ka maphunziro a sekondale.
  • [[MLT:0] Kusunga Zopereka za Malo Osungiramo Opereka (Trini Yosatha): kwa anthu olandira ndalama zotsika othandizira ku maakaunti a kupuma pantchito.

Action table: [[FLT :1] Kuŵerengeredwa kwa ngongole asanalembe, popeza kuti ambiri amaphonya chaka chilichonse.

Zolakwa za Msonkho Zofala ndi Mmene Mungazipeŵere

Ngakhale opanga madesiki ozoloŵera amapanga zolakwa. Nazi mbuna zambiri ndi mmene angapewere:

  • Kudziwitsa kupereka lipoti la ndalama zonse: IRS imalandira makope a W-2 ndi 1099s. Ngati usiya ntchito, ukhoza kulandira pepala. Sungani zolembamo mosamalitsa.
  • Molondola kupempha ndalama zokwezedwa kapena ngongole: Mwachitsanzo, kupempha EITC pamene simukufikira malo okhala kapena ndalama zimene mumafunikira kukhoza kuchititsa kuŵerengera. Gwiritsirani ntchito pulogalamu ya msonkho kapena katswiri wa kuwirikiza kaŵiri.
  • Kugwiritsa ntchito deti la madeti: Ngakhale ngati simungakhoze, faira pa nthaŵi (kapena kulembera kuwonjezera). Zilango zapamapeto nzakuti: 5% ya msonkho wosalipidwa mwezi uliwonse, kufika 25%.
  • Sasunga zolembedwa zoyenerera: Sungani malisiti, mapepala a banki, ndi zobwezedwa za msonkho kwa zaka zosachepera zitatu (zotalikirana ndi malo kapena malonda aakulu). IRS ingathe kuŵerengera kufikira zaka zisanu ndi chimodzi ngati simunalembe ndalama 25% kapena kuposapo.
  • Kuchitira chizindikiro asanalembe kuŵerengera: Zophophonya za masamu opepuka, manambala a Social Security olakwika, kapena manambala a maakaunti a ku banki kaamba ka maredund angachedwetse kukonzedwa.
  • Misonkho ya boma yokaikira: Anthu ambiri amasumika maganizo pa kubwezera kwa boma ndi kuiŵala zifuno za boma. Maboma angakhale ndi masiku ndi malamulo osiyanasiyana.

Kupereka Msonkho N’kothandiza Kwambiri

Kukonzekera misonkho kungakuthandizeni kusunga ndalama zambiri zimene mumagwiritsa ntchito chaka chonse m’malo mochitapo kanthu pa nthawi imene mwakonza.

  • Zopereka zowonjezera za kupuma pantchito: Zopereka ku 401(k) kapena IRA zimachepetsa ndalama zanu zokhomedwa. Mu 2023, mungapereke ndalama zokwana madola2,500 kufika pa 401(k) ($300,000 ($2,000) ngati ali ndi zaka 50+ ndi $6,500 ku IRA ($7,000 ngati 50+).
  • Seŵererani Maakaunti a Zaumoyo (HSA): [[FLT ] Ngati muli ndi makonzedwe athanzi okhoza kugulitsidwa, HSA imapereka mapindu a atatu: zopereka ziri zamsonkho zisanakhale, kukula nkwaufulu, ndipo zobweza kaamba ka mankhwala nzamsonkho.
  • Kutaikiridwa kwa msonkho: Ngati muli ndi ndalama zoikizira zimene zatsika mtengo, lingalirani kuzigulitsa kuwonjezera kupezedwa kwa malikulu. Kufikira $3,000 ya kutayika kwa khoka kungachepetse ndalama zopezedwa wamba.
  • Imasintha ndalama za misonkho yoyerekezeredwa: [[FT:1] Ngati muli ndi ntchito yanuyanu, ikani chigawo cha malipiro alionse chaka chonse kuti mupeŵe ndalama yaikulu ya April ndi chilango cha kuchepa.
  • Kuwonani kulephera kwanu chaka chilichonse: zochitika za moyo monga ukwati, chisudzulo, kapena ntchito yatsopano zingasinthe mkhalidwe wanu wa msonkho. Kufutukula W-4 ndi bwana wanu m’masiku 10.

Zipangizo Zothandiza Popereka Msonkho

Kukhoma misonkho si ulendo wovuta.

  • SOCKYY .gov ): mafomu, zofalitsa, ndi FAQ. pulogalamu ya Free Factor imapereka pulogalamu yaulere waulere kaamba ka oyenera kulipira msonkho.
  • Mautumiki okonzekera : Mabungwe onga TurboTax ndi MBH MBH MB imapereka chitsogozo cha njira ndi chichirikizo cha kupenda.
  • Programu za Chigwirizano : [[FLT :2] VITA (Ikoleti ya Malo a Mtungo) ndi . [[FLT:] .[Ayambo a okalamba] (Kupereka malangizo) amapereka chithandizo chaulere kwa oyenerera. Pezani malo pafupi ndi inu pa webusaiti ya IRS.
  • Zolembedwa , : Fact fact imapereka tsatanetsatane, wosapereka masinthidwe a malamulo a msonkho, pamene kuli kwakuti Nthano zimapereka mfundo zothandiza pa zokwezedwa ndi ngongole.
  • [[FLT: 0] Mabungwe a zachuma ovuta kwambiri [1]: pa zochitika zovuta monga malonda, malo a lendi, kapena ndalama zapadziko lonse . "Kugwirizana ndi CPA kapena olembetsa. Komiti ya National of Enrolled Argers [[FLT :] ingakuthandizeni kupeza katswiri wodziŵa bwino ntchito.

Mapeto ake: Kulimbitsa Chikhulupiriro cha Msonkho

Kumvetsa udindo wanu wa msonkho sikungopeŵa chilango. Kuphunzira mitundu yosiyanasiyana ya misonkho, mmene ikusonkhanitsidwira, ndi mmene mungachepetsere ngongole yanu mwa kuchepetsa ndalama ndi ngongole, mukumalamulira tsogolo lanu. Kukonza bwino ndi panthaŵi yake, kukonzekera kutsogolo, ndi kugwiritsa ntchito zinthu zofunikira za ndalama zimene zilipo kupangitsa nyengo ya msonkho kukhala yosapanikiza kwambiri ndi yodalirika kwambiri. Kumbukirani, malamulo a msonkho amasintha mobwerezabwereza; kukhalabe ouzidwa ndi akuluakulu a boma ndi odalirika amakutsimikizirani kukhalabe ogwirizana ndi kukwaniritsa zotsatira zake. sanayambe lero mwa kupendanso zamakono ndi kusungitsa, kulinganiza zolembera zanu, ndi kuyang'anira ngongole zimene mungathe kuyenerera. Mtsogolo wanu . Chikwama chanu cha m’tsogolo.