Nthaŵi ya msonkho imadzetsa mantha ndi chisokonezo, koma kuzindikira mmene ndalama za msonkho zimachepetsera ndalama zanu. Kuchepetsa ndalama zimene mumalandira kukhoza kukupulumutsani zaka mazana kapena zikwi zambiri za madola. Komabe okhoma msonkho ambiri amanyalanyaza ndalama zoikidwiratu chifukwa chakuti sadziŵa kuti alipo kapena sadziwa kuti apambana. Mwa kudzidziŵa nokha ndalama zimene zimasoŵa kwambiri, mungatsimikizire kuti simusiya ndalama pathebulo pamene mubwerera.

Kuzindikira Msonkho

Mwachitsanzo, ngati mumalandira ndalama zokwana madola 60,000 ndi kulipira ndalama zokwana madola 2,000, ndiye kuti ndalamazo mumazilipira pa ndalama zokwana madola 4,000, ndipo ndalamazo zimadalira pa ndandanda yanu ya msonkho.

Pamene mupanga fairala, mungakhale ndi zosankha ziŵiri: kugwiritsa ntchito ndalama zoikizidwa (ndalama yoikidwiratu yozikidwa pa malo anu a pepala) kapena Kusanthulani ndalama zanu zoikidwiratu [ (kuŵerengera ndalama zoyenerera pa munthu aliyense). Muyenera kulinganiza ndalama zimene mufunikira kulipira pawekha ngati zinthu zanu zonse zikupitirira malire oyenerera. Kwa 2023, muyezo muyezo uli $13,850 ya mafaelo a munthu mmodzi ndi $27,700 ya mabanja ogwirizana. Ngati muli ndi nyumba yanu, muli ndi ngongole zazikulu za za zamankhwala, kapena kupanga mphatso za chithandizo, zimene zimapindulitsa kaŵirikaŵiri.

Kaŵirikaŵiri Pamalo Ofufuza Zomera

Masheya ambiri amaphonya chifukwa amafunikira mapepala owonjezereka, ali ndi ndalama zochepa, kapena sadziŵika bwino. Pamunsipa timafufuza zinthu zofunika kwambiri, kuphatikizapo malamulo odalirika, malamulo, ndi mfundo zolemba.

Ndalama Zowonongedwa ndi Zamankhwala

Mukhoza kuchotsa ndalama zamankhwala zopitira ndalama zimene zimaposa .

  • Kucheza ndi dokotala wa mano, ndi dokotala wa mano
  • Kugona m’chipatala ndi opaleshoni
  • Mankhwala
  • Malipiro a inshuwalansi ya nthaŵi yaitali (monga mwa malire a msinkhu)
  • Kukwera galimoto kumakhala ndalama zambiri kuti alandire chithandizo chamankhwala (mwachitsanzo, mtunda woyenda mtunda wautali, kuimika galimoto, kulipira ndalama)
  • Magalasi, ndi magalasi othandizira kumva
  • Malipiro a inshuwalansi ya thanzi ngati muli ndi ntchito yanuyanu (yokhoza kugulitsidwa pamwamba pa ndandanda ya mankhwala)

Sungani malisiti, zikalata za kubanki, ndi mapulani a zaumoyo. Kwa makilomita, IRS imakhazikitsa mlingo woyenerera wa utali wa mankhwala chaka chilichonse (m’jere, masenti 22 pa kilomita mu 2023). IRS Publication 502 imapereka ndandanda yonse ya ndalama zoyenerera. [FLT: 0]] IS POS POIS 502 (Malect ndi Dental Confects).

Boma ndi Misonkho ya M’deralo (SALT)

Mukhoza kuchotsa msonkho wa boma ndi wa malipiro a kumaloko kapena boma ndi misonkho yakwanuko ya malonda . Koma osati zonse ziŵiri. Kuwonjezerapo, ndalama zonse za msonkho wa boma ndi wakwanuko (kuphatikizapo misonkho ya katundu) zimaperekedwa pa [ $$$ [$50,000 ngati ali wokwatira)). Kaputi imeneyi inaperekedwa ndi Mtengo wa Masheya ndi Mitengo ya Ntchito ya 2017 ndipo imakhala yogwira ntchito mpaka 2025.

Ngati mukukhala m'dziko lopanda msonkho wa ndalama (monga Texas, Florida, kapena Nevada), mungapindule kwambiri mwa kuchotsa msonkho wa malonda. IRS imapereka matebulo a msonkho waufulu wa malonda ozikidwa pa ndalama zanu ndi malo, kapena mungasunge malisiti enieni a zogula zazikulu monga galimoto kapena bwato. Kwa okhoma msonkho ambiri, njira yosavuta ndiyo kugwiritsira ntchito matebulo. Kuti mupeze malangizo , onani [[FLT: 0] Mitu 503: Misonkho yovomerezeka

Maambulera a Inshuwalansi Yothandiza Kupanga

Ngati munagula nyumba ndi malipiro osakwanira 20%, inu mwachiwonekere mumalipira inshuwalansi ya ngongole ya mseri (PMI) kapena ndalama za inshuwalansi ya kubanja ya FHA. Ndalama zimenezi kaŵirikaŵiri zimachotsedwa monga chiwongola dzanja cha ngongole ngati mupereka, koma zigawo zotsala za opereka ndalama zapamwamba zolipidwa (AGI zoposa $100,000 kaamba ka kulinganiza kwa ukwati mu 2023).

Kuti munene zimenezo, inshuwalansi ya ngongole ya ngongole iyenera kukhala yokhudzana ndi ngongole yogulira, kumanga, kapena kuwongolera nyumba yanu yaikulu kapena nyumba yachiŵiri. Pendani Malo a wobwereketsa 1098 (kapena chikalata choloŵa) kaamba ka ndalama zolipiridwa. IS PIRS 936: Home Mortgage Infaction Deduction .

Zopereka Zothandiza Anthu

Kupereka ndalama kapena katundu ku bungwe loyenerera kumakampani othandizira anthu osoŵa kumachepetsa ndalama zimene mumakhoma. Kuti mupeze ndalama zogulira msonkho, mufunikira kulembedwa ndi ndalama kubanki kapena kulembedwa kuchokera ku gulu la opereka chithandizo. Zinthu zosakhala zapakhomo (kuvala, mipando, katundu wa m’nyumba), ndalama zimene mwaperekazo zimachepetsedwa pa mtengo wabwino wa chinthucho. Zimene mungagulitse pa sitolo ya ndalama. Kupereka chuma choyamikiridwa monga masitolo kapena malo enieni kungakhale kwamtengo wapatali chifukwa cha kupeŵa kugula msonkho wa ndalama.

Malamulo ofunika:

  • Zopereka zokha ku IRS-aac 501 (c)(3) ndizo zokhoza kupezedwa.
  • Zopereka zandalama za $250 kapena kuposapo zimafuna lisiti yolembedwa ku bungwe lopereka chithandizo.
  • Ngati mudzipereka, mukhoza kuchotsa ndalama zowonongedwa ndi matumba (mwachitsanzo, mtunda wa makilomita 2023 pachaka, kuimika galimoto, kulipira) koma osati mtengo wa nthaŵi yanu.
  • Pa zopereka zosakhala za macash zoposa $500, muyenera kulemba Mafomu 8283 ndipo mungafunikire kuyesedwa koyenerera kaamba ka zinthu zoposa $5,000.

Cholakwa chofala nchakuti mukuiŵala zopereka zopangidwa kupyolera mwa ndalama zolipidwa kapena kupyolera mwa thumba la ndalama zoperekera. Sungani zivomerezo ndi zikalata. Kaamba ka tsatanetsatane wowonjezereka, onani IS Office .

Zowonongedwa za Maphunziro

Madesiki angapo a maphunziro ndi ngongole zingachepetse ndalama zanu za msonkho. Ndalama zotchuka kwambiri ndi za ndi ndalama zolipirira (Chikalata ndi Fees Deduction chinatha pambuyo pa 2020, koma pali njira zina). Ngati mukulipira maphunziro apamwamba kwa inu, mnzanu, kapena wodalira, ganizirani:

The home office deduction is often misunderstood and feared because of audit concerns, but it is perfectly legitimate if you meet the requirements. To qualify, you must use a portion of your home exclusively and regularly as your principal place of business, or as a place where you meet clients or customers. The space does not need to be a separate room—a clearly defined area like a desk in a corner works, but it must be used only for business. You cannot deduct a space used for both personal and business purposes.