Kuzindikira Mfundo Zofunika za Msonkho

Kubweza misonkho ndi udindo walamulo kwa anthu ambiri ndi mabizinesi ku United States. Njirayi imaphatikizapo kusimba ndalama zimene mumalandira, ndalama zimene mumalipira, ndi ngongole kuti mudziwe ndalama zimene muyenera kupereka kapena ndalama zimene muyenera kulipira. Msonkho wa Internal Revenue Service (IRS) umakhazikitsa malamulo, ndipo masiku ake amaikitsa kwambiri. Kupanda deti la kukonza ndalama kungachititse chilango ndi chikondwerero.

Malamulo ambiri ofunika kwambiri a m’mabungwe a misonkho ku United States:

  • Chaka chaching'ono: Nyengo 12 ya mwezi yogwirizanitsidwa ndi kubwerera kwanu. Anthu ambiri amagwiritsira ntchito chaka chakalendala (January 1 mpaka December 31). Mabizinesi angagwiritsire ntchito chaka cha mafisi.
  • Mkhalidwe wa : [[FLT :1] Mkhalidwe wanu wa muukwati patsiku lomaliza la chaka umasankha mkhalidwe wanu. Zosankha zimaphatikizapo Umbeta, Kudzikongoletsa kwa pa Ukwati, Kukwatira Molekana, Mutu wa Nyumba, ndi Qualificing Priestis (er). Mkhalidwe wanu umayambukira wirecker yanu ya msonkho, ndalama zoikitsidwirapo, ndi kuyenerera kaamba ka ngongole zina.
  • Malamulo othandizira anthu osoŵa: Zimenezi zimachepetsa malipiro anu oyenera kukhoma msonkho. Mungathe kusankha ndalama zoikizidwa (ndalama yoikizidwa malinga ndi malo) kapena sinthani ndalama zimene mungathe kupereka monga chiwongola dzanja, zopereka zothandizira anthu osoŵa, ndi zowonongedwa za mankhwala. Kukonza ndalama kumakhala kwanzeru kokha ngati ndalama zanu zonse zikupitirira mtengo woyenerera.
  • [[FLT: 0] Throughs: Izi zimachepetsa mwachindunji msonkho wanu, dola pa dola. Zitsanzo zimaphatikizapo Sunimake ya Ndalama Zokongola (EITC), Ndalama za Ana, ndi ngongole za maphunziro. Ziwongolero zina nzofunika, tanthauzo mukhoza kulandira ndalama zobwezedwa ngakhale ngati simuli ndi ngongole.
  • Manda oposedwa Gross Inhoo (AGI): [[FT:1] Ndalama zimene mumalandira sizikusintha kwambiri (monga zopereka za IRA ndi chiwongola dzanja cha ophunzira). AGI ndi chiyambi cha kuŵerengera ndalama ndi ngongole.

Kuzindikira mfundo zazikulu zimenezi kumakuthandizani kuyang'anira mipangidwe ya msonkho ndi kupanga zosankha zimene zimasunga ndalama. Kumasulira kwalamulo, gwiritsani ntchito .IS FIRS PATSIGUS 17.

Sitepe 1: Sonkhanitsani Mabuku Onse Ofunika

Mapepala amene asowa amachititsa kuti pakhale kuchedwa kukonza mapepala, kuphonya masamu, ndiponso kuphonya ndalama zimene alemba.

Zikalata za ndalama zimene anapeza

  • FOLW-2: Yoperekedwa ndi bwana wanu kaamba ka malipiro, malipiro, ndi malipiro ena. Muyenera kulandira iko pofika January 31.
  • Mafomu: Mitundu yosiyanasiyana yochitira lipoti ndalama zosakhala ntchito. Zofala zimaphatikizapo:
    • -NEC ya ntchito yaufulu kapena pangano (m'mbuyomu 1099-MALISC ya kulipira kwa ntchito yosakhala yapantchito).
    • -INT[[FLT :1] ndi -div ya chiwongola dzanja ndi ndalama zogaŵidwa ku mabanki kapena kuikizira.
    • -G-1099 pa malipiro a boma monga ndalama za msonkho za boma kapena malipiro a ulova.
    • -R-1099 kugaŵidwa kwa madesiki, ndalama, kapena maakaunti a kupuma pantchito.
    • -K[FLT ] pa khadi la malipiro ndi malonda a kampani yachitatu (ngati munagulitsa katundu kapena mautumiki kudzera ku mapulatifomu onga Paiphal, Vendo, kapena eBay).
  • Zina zolembedwa za ndalama: mawu a ndalama zopezedwa ndi mano, zolembedwa za ntchito zaumwini, kupambana kutchova juga, ndi magwero ena alionse.

Ndalama Zowonongedwa ndi Zolembedwa za Zopeketsa

  • Mungatumize ndalama zothandizira anthu ovutika (kasha ndi osapereka).
  • Ndemanga zachifuniro (Fort 1098) zochokera kwa wobwereketsa wanu.
  • Malisiti a katundu.
  • Mukafuna kugula mankhwala kapena mankhwala a mano, muzilemba kaye zinthu zina zimene mungafune kugula.
  • Mafomu a ndalama zoyendetsera maphunziro (Fom 1098-T kaamba ka kubadwa ndi ndalama zina zogwirizana ndi zimenezo).
  • Kusamalira ana kulipirira ndalama (popereka dzina, keyala, ndi EIN kapena SSN).
  • Ndalama zowonongedwa ndi bizinesi ngati muli ndi ntchito yanuyanu (zopereka za ntchito, utali, zida).

Kudziŵa ndi Chidziŵitso cha Chaka Chisadakhale

  • Mukhozanso kuwerenga kuti: “Muzidziteteza nokha, mkazi kapena mwamuna wanu komanso aliyense amene akudalira thandizo lanu.
  • Chaka chisanakwane kubwerera msonkho (makamaka AGI yanu kuchokera chaka chatha, yogwiritsiridwa ntchito kutsimikizira chizindikiritso ngati ilofini).
  • Maakaunti a ku banki ndi manambala a kutumiza ndalama zosungidwa mwachindunji za ndalama zotsala.

Pangani zikalata zimenezi m'chikalata chopatulidwa [1] Mascan a ma CDal ndi abwino kwambiri chifukwa mungathe kumatiza mosavuta ku pulogalamu ya msonkho kapena intaneti kwa katswiri. IRS imatumizanso Kachipangizo ka nthawi [ Kachipangizo kapadera] kotsatira zinthu zimene mungaziwerenge.

Sitepe 2: Sankhani Njira Yosangalatsa

Muyenera kukonzekera zinthu zingapo kuti mubwerere, ndipo chilichonse chimakhala ndi ubwino ndi kuipa kotsatira ndalama, kulondola zinthu ndiponso nthawi.

Maprogramu a Msonkho pa Intaneti

Okhometsa msonkho ambiri amagwiritsira ntchito mapulogalamu a pulogalamu yamalonda (TurboTax, H&R Block, Truxlayer , etc.). Maprogramu ameneŵa amasonyeza mafunso ofunsira, kuŵerengera kodziyendera, ndi kujambula mwachindunji. Ambiri amapereka makope aulere kaamba ka zobwerera zopepuka (Form 1040 popanda kujambula). Mabaibulo a Paid amayang'anira kuikizira ndalama, malo obwereketsa, ndi ntchito zaumwini. Mapindu amaphatikizapo kupenda kolakwika, madolansi ofulumira (katha masiku 21 okha), ndi kutsimikizira IRS kulandira mwamsanga.

Malo Osankha Mafaelo a Ufulu

Programu ya IRS Free File yogwirizana ndi makampani a pulogalamu ya pulogalamu kukonza msonkho waulere ndi kujambula kwa anthu okhala ndi malipiro osinthanitsa a $79,000 kapena ochepera (kwa 2024 kubwerera). Mukhoza kuipeza mwachindunji pa Free Factor [[FL:1]. Kuwonjezerapo, IRS imapereka Mafomu Ozazidwa (omasuka koma osatsogozedwa) kaamba ka mlingo uliwonse wa malipiro.

Kudzipereka Kupereka Thandizo la Msonkho (VITA)

Ngati mupeza ndalama zokwana madola 4,000 kapena ocheperapo, ali ndi chilema, kapena amalankhula Chingelezi pang'ono, antchito odzifunira a IRS angakonzere misonkho yanu yaulere ku malo a VITA. Iwo angasamale ndalama zambiri zobwezedwa.

Kuzengereza Kugwira Ntchito ya Msonkho

Wosunga ndalama wa boma (CPA) wovomerezedwa ndi boma, wolembetsa, kapena loya wa msonkho amavomerezedwa pa zochitika zovuta: ntchito yodzilemba yokhala ndi ndalama zochepetsedwa, malo ochitira lendi, ndalama zoyendera mayiko ambiri, nkhani za msonkho wapadziko lonse, kapena malonda. Akatswiri amadziŵa lamulo la msonkho lamakono, angakuimireni poŵerengera, ndipo kaŵirikaŵiri angaphonye ndalama zimene mungaphonye. Kuyembekezera ndalama zobwezedwa zopepuka zochokera ku ku mlingo wovuta: Kubwezedwa kosavuta kwa $150 / $400 [4], zowonjezereka zophatikizidwa m'bizinesi.

Kukwera Mapepala

Kutumiza pepala labwerera n’kololedwabe, koma kukonza kumatenga masabata 6-8 (kapena kuposa). Mapepala amabwerera mosavuta ku zolakwa za manja ndi mapepala otayika. IRS imaletsa kwambiri kujambula mapepala pokhapo ngati mulibe chinthu china . Ngati mumapanga pepala, gwiritsani ntchito adiresi yolondola ya boma lanu (yopezeka m'malangizo 1040).

Mfundo 3: Tsatirani Msonkho Wanu Molongosoka

Ngati mwasankha njira yochitira zimenezi, mukhoza kuidziwa bwino ndipo mukhoza kuitsatira.

Mtundu Wofunika Kwambiri 1040

Munthu aliyense amagwiritsa ntchito Masamu 1040 (kapena 1040-SR kwa achikulire). Chidutswachi chimasonkhanitsa malo anu osungira zinthu, ndalama zimene mumapeza, kusintha, ndalama zimene mumalipira, ndi kuŵerengera msonkho.

  • [[ML:0] Suniga 1: ndi kusintha kwa ndalama zopezedwa (m'chitsanzo, ntchito yodzigwirira ntchito, kugwiritsa ntchito almony, zowonongedwa za aphunzitsi).
  • Sutule A: Ndodo zoikizidwa (zowonongedwa za mankhwala, misonkho, chiwongola dzanja, mphatso, kutayikiridwa kwa maupandu).
  • [[FL:0] Sucturale C:[[FL:1] Phindu kapena kutayikidwa pa bizinesi (anthu olembedwa ntchito okha).
  • [[FUL:0] Ulendo D: Likulu litenga ndi kutayikidwa.
  • Sure E: Ndalama zowonjezera kuchokera ku malo ochitira nyumba, maufumu, mayanjano, makampani, malo, ndi thamo.
  • [[MFUNDO:0] Misonkho yapanyumba ya ntchito (kwa makampani kapena manyumba a nyumba).
  • [[MLENGO: 0] SE:[[ML:1] msonkho wa ntchito zaumwini.

Kupeza Mazira Aŵiri

Nthawi zonse muzionetsetsa kuti:

  • Mayina ndi Nambala ya Chitetezo cha Anthu zimafanana ndendende (kuphatikizapo mayina onse alamulo a mkazi kapena mwamuna kapena munthu amene akudalira).
  • Manambala a maakaunti a ku banki osungitsira ndalama mwachindunji ngolondola(wake wild transfred) angachedwetse ndalama zanu kapena kuzitumiza kwa munthu wosadziŵika.
  • Akuti ndalama zonse zimene amapeza (ngakhale zochepa kwambiri) zimalandira makope 1099 ndi matani odutsa m’mbali mwa nyanja.
  • Zipatala ndi mangawa zimanenedwa molondola (m’chitsanzo, simunganene kuti muli ndi EITC ngati muli ndi mitundu ina ya ndalama zoikizira ndalama pamlingo wochepa).
  • AGI yanu ya chaka chatha (yogwiritsiridwa ntchito monga siginecha ya pa kompyuta) imaloŵetsedwa molondola.

Mitundu Yofala ya Mkhalidwe Wapadera

  • [[FULT:0] Form 862[FL:1] ngati munanena kuti EITC ndipo sinaloledwe m'chaka chimodzi chapita.
  • FORm 6251[[FLT :1] ya Kachitsotso Kochepa (AMT) ngati ndalama zanu nzambiri.
  • FORm 5329 kaamba ka misonkho yowonjezereka pa makonzedwe oyeneretsedwa a kupuma pantchito (m., kugaŵira kwapasadakhale).

Ngati mukugwiritsa ntchito wokonza zinthu wolipidwa, iwo ayenera kukupatsani kope la kubwerera kwanu kotheratu.

Sitepe 4: Kambiranani Bwino Kubwerera Kwanu

Musanayambe kugwiritsa ntchito pulogalamuyi, yesetsani kuiganizira mofatsa mfundo zimene mwalakwitsa kuti pulogalamu ya pakompyuta isaiŵale.

Mulongo wa Kupenda

  • [[Mbali:0] Mkhalidwe wopirira: Kodi n’zolondola? (Mphatso: Mutu wa Banja umafuna kuti mupereke ndalama zoposa theka la ndalama zapanyumba ndi kukhala ndi munthu woyeneretsedwa wokhala nanu.)
  • Zonse zopezedwa zinasimbidwa: Yerekezerani ndalama zanu zonse kupyola 1099 ndi W-2 ndi ziŵerengero zoloŵa.
  • Standard vs. Zitsogozo: Muike manambala [1] Kugulitsa ndalama kokha ngati zonsezo zikuposa pa mlingo woyenerera. Kwa 2024, ndalama zochepetsedwa zotsalira ndizo $4,600, $2,900,000 (HOH), ndi $2200 (chigwirizano chogwirizana).
  • [[NTL: 0] Kulephera: Pendani malamulo oyenerera. Mwachitsanzo, Chikalata cha Msonkho wa Ana chimafuna kuti mwana akhale ndi zaka zosachepera 17 chaka ndi kukhala ndi SSN yovomerezeka.
  • Math Celtic :[[FLT :1] Ngakhale ndi mapulogalamu, onetsetsani kuti mafaelo onse awonjezeredwa. Mafaelo a papepala ayenera kuŵerengeranso ndi manja kapena kugwiritsa ntchito kablowero.
  • Sayina ndi Madeti: Mafashoni a E ayenera kugaŵira chaka cha AGI kapena PIN Yosankha Iwekha. Mafaelo a pepala ayenera kusaina (onse aŵiri okwatirana ngati ali ogwirizana).
  • Zomangira: Ngati pepala liikidwa, phatikizani mandandanda onse ndi mafomu onse ofunika (m’chitsanzo, W-2 kope B). Mafaelo amadziwitsa okha zija.

Zolakwa Zofala za Kujambula Mbendera

  • Manambala osoŵeka kapena olakwika a Chisungiko cha Anthu (makamaka odalira odalira pa iwo).
  • Kudzinenera kukhala wodalira pa munthu amene sayeneretsedwa (pakalipano, malo okhala, kuchirikiza mayeso).
  • Kupeza ndalama pa 1099 monga malipiro m’malo mwa malipiro a ntchito yodzigwirira ntchito (omwe amalipira msonkho wa kulembedwa ntchito).
  • Ngati mutalephera kupereka lipoti la ndalama zolipirira msonkho wa boma chaka chathacho ngati mwalemba ndalama zochepetsera msonkho m’bomalo.
  • Kuŵerengera kolakwika kwa Tchalitchi cha Ana kapena kunyalanyaza masitepe opita kumbuyo.

Sitepe 5: Kubwerera Kwanu Musanafe

Nthaŵi ya kutsalira misonkho ya boma kaŵirikaŵiri ndi April 15 (kapena tsiku lotsatira la bizinesi ikaloŵa pa mlungu kapena holide). Kwa 2025 (kubwerera 2024), nthaŵi ya pa April 15, 2025. Mayiko ena alinso ndi deti la pa April 15, pamene ena amasiyana (m., Hawaii, Louisiana). Onani webusaiti ya boma lanu yandalama.

Kuimba Mwamakompyuta

Kujambula ndi njira yofulumira kwambiri, yotetezereka kwambiri. IRS imachita ntchito zambiri zowonjezera pa maola 24 ndi makope ngati musankha malo amodzi. Mukhoza kuwonjezera (onani pansipa). Maprogramu ambiri a software amalipira boma ndalama ya kujambula, koma mapulogalamu a Federal ndi aulere kupyola m'Failo la Free kapena Mafomu Ozatsirizidwa.

Kutumiza Kubwerera Kwanu

Ngati muika pepala la pepala, gwiritsirani ntchito keyala yolondola ya IRS ya boma lanu (yopezeka m'malangizo 1040). Tumizani ilo kudzera mwa pepala lovomerezeka lokhala ndi lisiti yobwezera kutsimikizira deti la kukonza pepala. Deti lapositimenti limaŵerengera kukhala deti lanu lakulemba.

Kupempha Chiwonjezeko

Ngati simutha kumaliza pa April 15, mungapemphe padera 6 mwezi wonse pogwiritsa ntchito Form 4868 . Izi zikuwonjezera nthawi yoikizira pa October 15. Komabe, kuwonjezera kumeneku kumagwira ntchito pa , kuwonjezerapo , osati [[FLT:] kulipira . Muyenerabe kupereka msonkho uliwonse woyerekezeredwa pofika April 15 kuti mupeŵe chilango ndi chiwongola dzanja. Kugwiritsira ntchito IRS, Thlawulo, khadi la ngongole, kapena foni ndi kuyerekezera ndi inu. Ngati mulephera, mudzalepherabe kulipira chilango cha 25% (pa Khiri K.00).

Kusangalala Chifukwa cha Kufa kwa Anthu

Ngati muphonya nthaŵi yoikizidwa popanda kufutukulidwa, chilango chimawonjezera. Chilango cha kulephera ndi 5% ya msonkho wosalipidwa mwezi uliwonse (max 25%). Ngati muli ndi faindi, palibe chilango cha kuchedwa, koma mutaya chobwezacho ngati simunalembe patapita zaka zitatu za nyengo yoyamba.

Mfundo 6: Muzilemba Mbiri ya Zaka Zitatu za Chilombo

Pambuyo polemba, kusunga makope a kubwerera kwanu ndi kuchirikiza. IRS kaŵirikaŵiri iri ndi zaka zitatu kuchokera pa deti landandalika (kapena zaka ziŵiri kuchokera pa deti la msonkho unaperekedwa, ndipo pambuyo pake) kuti mupende kubwerera kwanu. Ngati simunanene ndalama zokwanira 25%, windo limafika zaka zisanu ndi chimodzi. Kubera mwachinyengo kumalola IRS kubwerera ku nthaŵi zonse.

Zimene muyenera kusunga:

  • Malipiro a msonkho (makoswe ndi boma) anamalizidwa.
  • W-2s, 1099, ndi kampani zina zoyendera ndalama.
  • Mukhozanso kugula ndalama zogulira zinthu zina.
  • Maakaunti a ku banki amasonyeza ndalama zimene amalipira kapena ndalama zimene amasunga.
  • Kulemberana makalata ndi IRS.
  • Zolembedwa za kufutukula kulikonse kolembedwa (Form 4868).

Musunge makope akuthupi m'mabaibulo osazimitsa kapena kugwiritsa ntchito magetsi obisika. Ngati muli ndi bizinesi kapena katundu woikidwiratu, sungani mapepala a zinthu zimene mungazigwiritse ntchito komanso zaka zitatu zitachotsedwa.

Zolakwa Zofala Zoyenera Kupeŵa

Ngakhale opanga madeyala ozoloŵera amalephera. Pano pali zolakwa zobwerezabwereza ndi mmene angapeŵere izo:

  • Kuchedwa Popanda Mafukufutukulo: Nthaŵi zonse jambulani kufutukulidwa ngati simukukwanitsa nthaŵi yoikizira. Chilango cha malipiro anthaŵi yochedwa nchochepa kwambiri kuposa chilango cha kutsata madeko.
  • Molondola Kuchitira lipoti IRA kapena HSA Zopereka: Ndalama zimenezi ziyenera kulingana ndi zolembedwa za bungwe lanu. Kusuliza kwambiri zosonkhezera kutulutsa misonkho.
  • [[MLT:0] Kukumbukira Kusimba Zonse Zopezedwa: [[FT:1] IRS imalandira makope onse W-2 ndi 1099 . Ndalama zobwezeredwa zimatsogolera ku kupereka chilango chochepera ndi chiwongola dzanja.
  • [[FLT: 0] Kutsimikizira kuti chiwindi chilichonse chikhoza kupitirira unansi, msinkhu, malo okhala, ndi mayeso ochirikiza. IRS imafufuza kwambiri mfundo zodalirana.
  • Machimo a :[[FLT :1] Makamaka pa kubwerera papepala. Gwiritsirani ntchito e-file kuchotsa zophophonya za masamu.
  • Kusalemba Kubwerera Kwanu:[[FLT :1] Kubweza pepala kosaimbidwa chizindikiro kumaonedwa kukhala kosagwira ntchito. Mafaelo ayenera kupereka sigineji ya wilo (chaka cha AGI kapena APIN).
  • Kupitira ku Winanda ya Maiko Osagwirizana: Ngati muli ndi maakaunti a zachuma kutsidya kwa dziko la United States, mungafunikire kulemba FBAR (FUNI 114) mosiyana. Ndalama zoikidwiratu za kusakhala kofikitsa nzamphamvu.
  • [[FLT: 0] Kutsutsa Mtungo wa Boma: Maboma ambiri amafuna kubwerera kwapadera. Kulephera kukonza boma kubwerera kungatulukepo zilango za mlingo wa boma ndi chikondwerero.

Kumaliza

Kututa misonkho panthaŵi yake sikungaperekedwe ngati mukufuna kupeŵa kugwirizanitsa dziko la United States ndi chilango cha boma. Mwakumvetsetsa malo anu oikizira, kusonkhanitsa zikalata msanga, kusanthula njira yolondola yosungira pepala, kupenda mosamalitsa kubwerera kwanu, ndi kukwaniritsa nthaŵi (kapena kuwonjezera), mumasintha ntchito yotopetsa kukhala ntchito yotha kuyendetsedwa chaka chilichonse. Gwiritsirani ntchito yolembedwa pano . Zida za Free File, VITA, thandizo laukatswiri. Kumbukirani kusunga makope a zonse kwa zaka zitatu. Mwakulinganiza ndi kuyang'aniratu zinthu mwadongosolo, mungathe kukonza ndi kulandira ntchito iliyonse imene ili yofunikira pachaka.