Malo a msonkho angachepetse kwambiri ndalama zimene muli nazo, koma okhoma misonkho ambiri amanyalanyaza ngongole zofunika zimene zingakupatseni ndalama zambiri. Kwenikweni, bungwe la Internal Revenue Service (IRS) limayerekezera kuti mamiliyoni ambiri a anthu oyenerera amalephera kupereka ngongole monga ya Masheya a Msonkho Wopereka Msonkho Wokongola (EITC) (A. Kuzindikira kuti ngongole zimenezi n’zofunika kuti mupeze ndalama zambiri zolipira msonkho. M’nkhani ino, tikambirana za ngongole zambiri zimene mungaphonya, mmene amachitira ntchito, ndi mmene mungapindulitsire monga wopereka msonkho.

Kuzindikira Msonkho: Mfundo Zofunika

Malo a msonkho ali chimodzi cha ziwiya zamphamvu kwambiri m'malamulo a msonkho chifukwa chakuti amachepetsa mwachindunji ndalama zimene muli nazo kwa boma — dola pa dola. Zimenezi nzosiyana ndi ndalama za msonkho, zimene zimachepetsa ndalama zanu za msonkho. Mwachitsanzo, ndalama za msonkho za $1,000 zimachepetsa ndalama zanu za msonkho ndi $1,000, pamene ndalama zimene mumalandira zimachepetsa ndalama zanu zolipira msonkho ndi $1,000, zimene zingakupulumutseni kokha ngati muli m’mabriketi 22%.

Pali mitundu iŵiri ya ngongole zazikulu: yosabwezeka . [FT:1] ndi [FT:2] yobwezedwa ngakhale ngati mulibe msonkho. Ngongole zinakhoza kuchepetsa msonkho wanu ku zero koma osati pansi pa mlingo — ngongole iliyonse yatayika. Kukongola, padzanja lina, kungatuluke ndi kubwezedwa ngakhale ngati mulibe msonkho. Zoyenera zina zimatayika, tanthauzo lake lingabwezeretsedwe pamene mbali yotsalayo si yosafunika. Kudziŵa kumene mukuchita ndi kulinganiza kwabwino.

Anthu Ambiri Anafunafuna Msonkho

Pansipa pali zina za ngongole zamtengo wapatali kwambiri ndi zophonya kaŵirikaŵiri, ndi tsatanetsatane wowonjezereka wakukuthandizani kudziŵa kuti ndinu munthu woyenerera.

Mphoto Yolandira Msonkho (EITC)

Throught Trust yopezedwayo (ETC) ndi ngongole yokhoza kugwiritsidwa ntchito yochepera kuti ipeze anthu ogwira ntchito ndi mabanja. Mu 2024, kuchuluka kwa ngongole kuchokera pa $600 ya munthu wosakwatiwa wokhala wopanda ana kuposa $7,800 pa banja la ana oyenerera. Malire amadalira pa ndalama zimene mumalandira, ndalama zoikizira ndalama, ndi chiŵerengero cha ana oyeneretsedwa. Antchito ambiri opanda ana amayenerera kaamba ka ngongole yochepera koma kaŵirikaŵiri amalephera kuipeza. Kuyenerera, muyenera kukhala ndi malipiro kuchokera ku ntchito kapena kuntchito yaumwini ndi kukwaniritsa malo oyenerera amene amasinthani ndi ndalama zomwe zimasintha chaka ndi chaka chimodzi. Kugwiritsira ntchito chiŵiro chanu cha ERCIT kuyang'anira chiŵiro chanu cha chiŵiro.

Kupereka Msonkho kwa Ana (CTC)

Through Trust imapereka $2,000 pa mwana aliyense amene amayeneretsedwa pa msinkhu wa zaka 17. Kufikira $1,700 ya ndalama zimenezo njoŵerengeka (Chikole cha Ana Owonjezera). Kunena za ngongole yonse, muyenera kukhala ndi ndalama zosinthidwa zocheperapo zochepera $500,000 pa ndalama za ukwati pamodzi . Mbali ya ngongoleyo imachepetsa mtengo wa kulera ana, koma mabanja ambiri oyenerera amaphonya chifukwa chakuti samapereka msonkho kapena sazindikira kuti ali oyenerera ngati malipiro awo ali otsika kwambiri.

Kupereka Msonkho ku America Opportunity (AOTC)

American Trought Creaty Credit Livre ndi ngongole yapadera ya maphunziro oyenerera pazaka zinayi zoyambirira za maphunziro a sekondale. Mungathe kupereka $2,500 pa ophunzira oyenerera, ndi 40% ya ndalamazo (zoposa $2000,000). Wophunzira ayenera kulembetsedwa pa theka la nthaŵi mu fomu kapena pulogalamu ya pepala. Zigawo za ngongole za okhoma msonkho ndi ndalama zowongoleredwa bwino kuposa $$10,000 pa mafaelo ogwirizana). Ophunzira ambiri kapena makolo awo amanyalanyaza ngongoleyi chifukwa amaganiza kuti imagwira ntchito yokha — koma yoyenerera imaphatikizaponso ndalama zolipirira, zogulitsira, ndi mabukhu ngati agulidwa ku malo.

Kuphunzira kwa Moyo Wonse (LLC)

Ndalama Zofunika pa Moyo zimaphatikizapo kuŵerengera ndi ndalama zofunikira pa mlingo uliwonse wa maphunziro apamwamba kapena kupita patsogolo kwaukatswiri, popanda malire a zaka zimene munganene. Mukhoza kupereka $2,000 pa kubwerera msonkho (osati wophunzira aliyense). Zowonongedwa zosafunika ndi ndalama zofunikira pa maphunziro kapena pa makosi. Palibe chiyeneretso cha maphunziro apamwamba — mungagwiritsire ntchito ngongole ya maphunziro a munthu payekha kuti muwongoletse maluso a ntchito. Komabe, LLC siikhoza kutayidwa ndipo ili ndi mbali yofanana ndi AOTC. Ochuluka amanyalanyaza ngongoleyi chifukwa chakuti amasokoneza ndi AOC kapena mafomu ongofuna kulinganiza.

Tizilombo Tothandiza Kupanga Zinthu

Olemba nyumba amene amaikanso madongosolo a mphamvu zapanyumba anganene kuti [[FLT: 0] Residienties Epiceent Ecetient Ecement Intect [FT:1] (kaŵirikaŵiri amatchedwa kukongola kwa magetsi a dzuŵa). Madongosolo oikidwa mu utumiki mu 2024, ngongole ndi 30% ya mtengo wa ndalama zonse, popanda ndalama zogulira ndalama. Zipangizo zamagetsi zimaphatikizapo malo a magetsi, kutentha kwa dzuŵa, mphepo, kutentha kwa dzuŵa, maselo a magetsi otentha a dzuŵa, ndi mafuta. Ngongo imeneyi siikuwonongeka koma inganyamutsiritsiridwe ku zaka zam'tsogolo. Molakwika ambiri akukhulupirira kuti kukongolako kokha kumanga kapena kuti ayenera kugula dongosolo latsopano — kwenikweni, madongosolo oyendetsera a nyumba achilengedwe angayenere ngati eni nyumba oyamba ndi ogwiritsidwa ntchito. [FGenener]

Chisungwe cha Wosunga (Kusunga Zopereka Kochitidwa ndi Kusungidwa)

Chiwongola dzanja china chosoŵa kaŵirikaŵiri ndicho Throught , yomwe imabwezera anthu ochepera ndi olandira pang'ono chifukwa chothandizira ku maakaunti a opuma pantchito monga 401 (k), IRA, kapena makonzedwe ofanana. Ngongo ya mtengo wa 50% ya zopereka zanu, ndi ngongole ya $$20,000 ya mafaelo ogwirizana ). Muyenera kukhala osakwanira 18, osati wophunzira wanthaŵi yonse, ndi osaimbidwa kukhala wodalira. Okhomakhoma msonkho ambiri amalingalira kuti amapeza ndalama zochepa zosungira ntchito, koma ngakhale zopereka zochepa zingakweze ngongole imeneyi yamtengo wapatali. IRS imapatsa ndalama zotsala [[FLD:]

Zosangalatsa, Zosatayika: Chifukwa Chake Ziri Zofunika

Kuzindikira kuti ngongole njosaŵerengeka kapena yosatha kungayambukire kwambiri kulinganiza kwanu msonkho. Ngati muli ndi ngongole yochepera, ngongole yosabwezeredwa ingakhale yopanda pake, pamene kuli kwakuti ngongole yobwezedwa ingapereke kuŵirikiza ngakhale ngati mulibe. Mwachitsanzo, Mabanja amtengo wapatali a Child Tax Preace ali osafunika, amtengo wapatali monga ngati moyo wa Kudziŵa kapena mphamvu ya ngongole yomwe idakalipo, sangalandirebe $1,700 pa mwana aliyense monga ndalama zobwezedwa. Chilolezo cha Kukongola kwa ndalama za Boma chikhoza kutayidwa kotheratu, kupangitsa kukhala chimodzi cha mayeso amtengo wapatali kwa antchito olandira ndalama zochepa. Osafunika kukhala ngati Kudziŵa za Nthaŵi ya Kukongola kapena chithandizo cha ngongole yomwe idakalipo, koma simunga kulandiridwabe ndalama zopimira msonkho.

Zofunika Kukhala Wosagonja

M’munsimu muli malangizo owonjezereka ofotokoza zinthu zimene anthu ambiri amaphonya, kuphatikizapo zinthu zina zatsopano zimene apeza posachedwapa.

KUKHALA Otetezereka

Kuti muyenerere EITC mu 2024, malipiro anu opezedwa ndi malipiro osinthanitsidwa (AGI) ayenera kukhala pansi pa mageti ena: kwa opanga mafaelo opanda ana oyenerera, AGI ayenera kukhala pansi pa $18,591; kwa mafaelo ogwirizana okhala ndi ana atatu, AGI iyenera kukhala pansi pa $63,398. Muyenera kukhala ndi nambala ya KGO ya Chisungiko, ifailo monga mtsogoleri wa banja, woyeneretsa mkazi wamasiye (aŵiri a failo kaŵirikaŵiri sayeneretsa). Kusunga ndalama kuyenera kukhala Khirisi intaneti 1000 kapena ochepera. IR sinthani malire ameneŵa; chaka chilichonse mupende [FL:] EXIT [F:]

Kulandira Mphoto kwa Ana

Kwa Child Tax Crifice, mwana ayenera kukhala ndi zaka zosakwanira 17 kumapeto kwa chaka cha msonkho, kukhala wodalira pa inu, ali ndi nambala ya Social Security, ndipo akukhala nanu kwa oposa theka la chaka. Ngongoleyo ikuyamba kulembedwa pa AGI ya $200,000 pa mafaelo amodzi ndi $40,000 kwa olemba mafaelo. Gawo lobwezedwa (Chikalata cha Ana Chibalo) limafuna ndalama zopezedwa pafupifupi $2,500; ndalama zotsalazo zimaŵerengedwa ndi ndalama zopezedwa zoposa $2,500%,500,000, mpaka $1,700 pa mwana mmodzi.

Maphunziro: Kusiyana Kofunika Kwambiri

American Obportunity Taxis Irves imapezeka kokha kwa zaka zinayi zoyambirira za maphunziro a sekondale, imafunikira pafupifupi theka la nthaŵi yolembetsa mu pulogalamu ya kulembetsa, ndi kukwaniritsa ndalama, ndalama, ndi zipangizo zophunzirira. Moyometing Trining Creasure imakhudza maphunziro alionse achiŵiri kapena maphunziro, kuphatikizapo maphunziro osafika pa zaka zinayi, ndipo alibe malire a zaka. Onse aŵiri ali ndi malire a ndalama: chifukwa AOTC, muyezo muyezo uli $100,000-$10,000 [$10,0000,000-$10,0000,0000,000]; chifukwa cha LC, ndi $100,0000,0000,000-$ $10,000 ($10,0000,000-$10,000).

Kulephera Kugwiritsa Ntchito Mphamvu Zathu

Chiwongola dzanja chimenechi chimagwira ntchito pa mtengo wa madongosolo amagetsi oyenerera oikidwanso m'nyumba yanu yoyamba (kapena nyumba yachiŵiri ya tekinoloji). Dongosolo liyenera kuikidwa mu utumiki pa December 31 wa chaka cha msonkho. Ngongole ndi 30% ya mtengo wosakwera kwambiri wa madongosolo oikidwa mu utumiki kuyambira 2022 mpaka 2032, ndiyeno imatsika pambuyo pa zimenezo. Kukwera mtengo kwa ndalama kumaphatikizapo kugwira ntchito ndi kuika mafuta. Maselo a mafuta, ngongoleyo imangokwanira $5.

Mmene Munganenere Msonkho Molondola

Kupereka ngongole kumafuna mapepala oyenera ndi kusamala mfundo zonse zatsatanetsatane.

  • Document : Sungani mapepala onse ofunika — W-2, 1099, ndemanga za kuŵerengera (Form 1098-T), malisiti a kuikidwa kwa mphamvu yamagetsi, mawu a pa ntchito yopuma pantchito, ndi umboni wa kuchuluka monga zikalata za kubadwa kwa odalira pa otsala.
  • Gwiritsirani ntchito Software ya Msonkho kapena Professor ya Msonkho: [1] Programu ya msonkho yapamwamba (m' lekuatiso, TurboTax, H&R Block, Free File) idzakuyenderani pa ngongole iliyonse ndi kufunsa mafunso oyeneretsedwa. Katswiri wa msonkho angadziŵe ngongole zimene simungazidziŵe ndi kuchita ndi mikhalidwe yovuta monga kudzigwirira ntchito kapena kudalira pa anthu ambiri.
  • Gumya Mafomu Oyenera: EITC Ifuna Malamulo 862 ngati kalelo adakanidwa; Child Trust imagwiritsira ntchito Setem 8812; ngongole za maphunziro zimagwiritsira ntchito Masamu 8863; mayeso a mphamvu amagwiritsira ntchito Masamu 5695. Zitsimikizo kuti mumagwirizanitsa mafomu ndi mandandanda olondola.
  • Kawirikawiri-Fakitale Ifikimes: Tsimikizirani AGI yanu yosinthidwayo yofanana ndi maseŵero. Zongongole zambiri zimatha pang’onopang’ono — ngati muli pafupi ndi malire, kuchepa pang'ono kwa ndalama zimene mumalandira (m’jereng, kutchula modedwa) kungakuthandizeni kukhala woyenerera.
  • Kuvomereza ndi Kupereka: [[FLT :1] Musanabwerenso, pendani kubwerera kwanu ku kulondola . Zolakwika zofala zimaphatikizapo manambala a Chisungiko cha Anthu, mafomu osoŵa, ndi ndalama zoŵerengedwa zosaŵerengeka bwino. IRS imakana kubwerera ndi chidziŵitso chosagwirizana, chimene chimachedwa kubwerera m’mbuyo.

Misonkho Yofunika Kwambiri M’boma: Musaiwale Mipata Yakumene Mumakhala

Kuwonjezera pa ngongole za boma, mayiko ambiri amapereka ngongole zawo za msonkho zimene zingachepetseretu ndalama zimene boma limalipira kapena kupereka ndalama zowonjezera. Mwachitsanzo, maboma ambiri apereka ngongole za ndalama za boma chifukwa cha ndalama zothandizira ana, ndiponso mphamvu zobwezeredwa. Maboma ena aperekanso ngongole za ndalama za ndalama zothandizira anthu osoŵa kapena zothandizira ana. Pendani za boma za pawebusaiti yanu kapena katundu wonga [FL:0] Ndalama za boma zokongola za boma za ntchito ndi za boma.

Kusintha Kwaposachedwapa kwa Msonkho (2023 - 2024)

Masiku ano, malamulo a msonkho asinthasintha ndipo asintha zinthu zambiri:

  • [[FLT: 0] EITC : ya 2024, chiwongola dzanja chokulira chinawonjezeka chifukwa cha kusintha kwa kukwera mtengo kwa zinthu. IRS inakulitsanso mafotokozedwe a “kulera ana” pa mikhalidwe ina yophatikizapo kulera ndi kulera ana.
  • [[FLT: 0] Throughs ya Anal: Pamene Baibulo lowonjezereka la 2021 (lowonjezeredwa kufika $3,600 pa mwana mmodzi) linatha, ngongole yamakono ya $2,000 ikutsala. Malamulo akukambirana kuti CTC ifutukuke chaka chilichonse — onani webusaiti ya IRS kaamba ka kuwonjezera kulikonse kwa zaka zapakati.
  • [[FLT: 0] Credits: Act ya 2022] Draflation Reduction Act ya kuwonjezera magetsi okhalamo kufika 30% mpaka 2032 ndi kuwonjezera magulu atsopano monga zipangizo zosungira mabatire. Zitsimikizidwe kuti muli ndi malangizo atsopano a IRS kuti muikidwe.
  • Throughtions: Malire a AOTC ndi LLC amasinthidwa kaamba ka kukwera mtengo kwa zinthu chaka chirichonse. Kwa 2024, mizera ya kugalamuka yapita patsogolo pang'ono kuposa 2023, kupangitsa opereka osonkhetsa msonkho ambiri kukhala oyenerera.

Nthaŵi zonse tchulani IRS & Deducations per kaamba ka chidziŵitso chamakono kwambiri.

Zolakwa Zofala Zopeŵa Pamene Tinena Kuti Tili ndi Msonkho

Ngakhale mutadziwa kuti munthu walakwitsa zinthu, mukhoza kuchedwa kapena kukanidwa.

  • Kufuna kubwezera: [[FLT :1] Antchito ambiri olandira motsika opanda msonkho amalingalira kuti safunikira kujambula — koma ndiyo njira yokha yoperekera ngongole yokhoza kubwezeredwa yonga EITC. Ngakhale ngati simuli ndi ngongole, fairasi kuti mupeze ngongole zanu.
  • Kuchitira lipoti ndalama zimene amapeza: Kulephera kupeza ndalama zopezedwa kungachepetse kapena kuchepetsa ndalama zopezedwa ndi ngongole, pamene kuli kwakuti kuiwononga kwambiri kungadzutse kuŵerengera.
  • [[FLT: 0] Malamulo odalira pa munthu: kwa Child Tax Crive, mwana ayenera kukhala ndi nambala yovomerezeka ya Chisungiko cha Anthu ndi kukhala nanu kwa nthaŵi yoposa theka la chaka. Kwa EITC, ana oyeneretsedwa ayenera kukumana ndi unansi, msinkhu, malo okhala, ndi ziyeso zobwerera.
  • Kusafufuza za masinthidwe: Ena okhoma msonkho amapindula pang'ono kuposa poti angoyamba kulowa padera ndi kuganiza kuti sayeneretsedwa, koma ngongole zochepa zilipo. Onani muyeso weniweni wa kugalamuka musanaleke.
  • Ndalama zopitira maphunziro zoŵirikiza: Simungapereke ndalama zofanana za AOTC ndi LLC, ndiponso simungagwiritsire ntchito zowonongedwa zofananazo kaamba ka maphunziro aulere aulere ndi ngongole. Ziwongolereni bwino.

Kukonzekera Kutsogolo: Mmene Mungawonjezerere Ndalama Chaka Chotsatira

Kukonza misonkho sikuyenera kukhala kovomerezeka. Mukhoza kutenga masitepe m’chaka chonse kuti mukhale ndi mwaŵi waukulu wa kupatsidwa ngongole:

  • Kusinthani kulephera kwanu: Ngati mulandira nthaŵi zonse ndalama zazikulu zochokera ku ngongole monga EITC, lingalirani W chepetsani kutsekereza ndi kuwonjezera malipiro anu a nyumba chaka chonse. Koma samalani kuti musapeze ndalama ndi chilango cha ngongole.
  • Kugwirizana ndi maakaunti a kupuma pantchito: Zopereka ku IRA kapena 401(k)(k)) ) . Kuchepetsa AGI, kumene kungakuchepetseni malire a ngongole zingapo. PP, mungayenererenso ku Success of the Saver’s Tree.
  • [[FLT: 0] Ndalama za maphunziro zapadera: Ngati muli ndi wophunzira m'zaka zinayi zoyambirira za koleji, wonjezera AOTC mwa kulipira ndalama za kusuta ndi za mabuku m'chaka chimodzi cha msonkho , mmalo mwa kuzifalitsa. Kuphatikiza ndi mafashoni 529 olinganiza kuti mupeŵe mapindu oŵirikiza.
  • Kuwongolera mphamvu zapanyumba: Ngati mukonzekera kuika malo ozungulira dzuŵa kapena madongosolo ena okhoza kukonzedwanso, nthaŵi yoikako ikhale yogwirizana ndi zaka za msonkho pamene muli ndi thayo la msonkho kugwiritsira ntchito ngongole yosaŵerengeka. Makonzedwe a ulendowo amakulolani kugwiritsira ntchito ngongoleyo kwa zaka zambiri.
  • Masinthidwe a malamulo: [[FLT: 1] Mafaindi a msonkho atsopano angafutukule kapena kusintha ngongole pakati pa chaka. Zikalata za ndalama za msonkho wa IRS kapena pepala la msonkho lotchuka kuti mukhalebe odziŵitsidwa.

Kumaliza

Ziwongola dzanja za msonkho zingapereke mapindu aakulu a ndalama, komabe opereka msonkho ambiri amaphonya mwaŵi umenewu chifukwa cha kusazindikira kapena malamulo ovuta . Mwakumvetsetsa ngongole zosiyanasiyana zimene zilipo — kuchokera ku Coomie Inhomed Tax Created ndi Child Taxis Irves ku maphunziro ndi kulipira mphamvu — mungaike ndalama zambiri m’thumba mwanu. Kumbukirani kuyang'ana ndalama zonse za boma ndi boma, gwiritsirani ntchito mapepala olondola, ndi kukhala odziŵitsidwa ponena za kukonzanso kwa chaka ndi chaka. Ngati muvala pulogalamu ya pulogalamu kapena kulemberani katswiri, perekani nthaŵi yakubwerera ngongole yonse imene mungathe kuiyenerera. Kuyesayesako ku kubweza ndalama zochuluka kwambiri kapena msonkho wochepetsedwa. Don’s Leat sungani ndalama pa tebulo yaulere — ineneza kuti mufunikira.