Kusankha malo a msonkho monga nzika yolembedwa ntchito imafunikira maganizo osiyana kotheratu ndi a wogwira ntchito W - 2. Ufulu wa kukhala bwana wanu umabwera ndi kusintha kwakukulu m'thayo la zandalama: inu panopo ndinu bwana ndi wantchito pamene mufuna msonkho. Kumvetsetsa mathayo ameneŵa sikuli kokha kugonjera; ndiko kuchepetsa ndalama zanu, kuchepetsa msonkho wanu mwalamulo, ndi kupeŵa chilango chokwera mtengo.

Kudziimira pa Zifuno za Msonkho

Asanaloŵe m'ziŵerengero, kuli kofunika kudziŵa bwino lomwe amene kampani ya Internst Revenue Service imalingalira kuti ali ndi ntchito zaumwini. Malinga ndi IRS, mumalembedwa ntchito ngati muchita ntchito ya makampani kapena bizinesi monga propiterio, womanga, membala wa gulu, kapena chiŵalo cha kampani ya ngongole yochepa imene siisankhidwa kukhala wokhomedwa msonkho monga kampani. Malongosoledwe otakata ameneŵa amaphatikizapo anthu aulere, antchito, abizinesi, ndi a abizinesi ang'ono. Kusiyana kwakukulu n’ku kuti simuli antchito anu; palibe amene amakana msonkho wanu wolipira ndalama, ndipo ndinu woyang'anira katundu wa za chitetezo ndi msonkho wa za Makomedia.

Udindo wa Msonkho kwa Odziimira Iwo

Mosiyana ndi antchito amene amagaŵanitsa mtengo wa misonkho ndi abwana awo, anthu olembedwa ntchito ali pa thayo la onse aŵiri. Izi zimapanga mathayo aŵiri aakulu a msonkho: msonkho wa antchito aumwini ndi msonkho wa malipiro. Kuwonjezerapo, chifukwa chakuti misonkho siimanidwa, muyenera kulipira ndalama zoyerekezeredwa. Kuchotsa thayo lirilonse mwatsatanetsatane.

Msonkho Wodzidalira Wokha (Chisungiko ndi Kulimbana ndi Chilango)

Msonkho wa ntchito yolembedwa ndi wodabwitsa kwambiri kwa anthu atsopano ogula zinthu.

  • 12.4% ya Chisungiko cha Anthu — Izi zimagwira ntchito ku ndalama zimene amapeza ku kampani ya Social Security yapachaka ($160,200 kwa 2023, yokonzedwa chaka chilichonse).
  • 2.9% ya Medicare[[FL:1] — Zimenezi zimagwira ntchito ku ndalama zonse zimene amapeza popanda chipewa.

Kuwonjezera .9% Medicare sursubst imagwira ntchito ku malipiro a ntchito zaumwini oposa $200,000 pa mapepala a ukwati . Chimodzi chosunga: mungachotse theka la msonkho wanu wa ntchito yaumwini (mdindo wolipirira) monga kusintha pa ndalama zimene mumalandira pa Prime yanu 1040, zimene zimachepetsa malipiro anu aakulu koma sizimachepetsa msonkho wa ntchito yaumwini.

Makampani a kampani amaŵerengera ndalama zimene mumapeza mwa kuchotsa ndalama zanu zamalonda zofunikira ndi ndalama zanu zochuluka. Mwachitsanzo, ngati munalandira $800,000 m'ndalama zaulere koma munali ndi $200,000 m'zowonongedwa zotsika, ndalama zimene mumapeza pa khomu la ntchito zanu ndizo $600,000.

Kuyerekezera Malipiro a Msonkho Mwamaulendo

Popeza kuti palibe bwana amene amakana msonkho wa ndalama kapena ntchito yaumwini, IRS imafuna kuti mupereke msonkho woyerekezeredwa chaka chonse. Izi zili zofunikira kanayi pachaka:

  • Pandalama zopezedwa [[ML:0] January 1 – March 31 :
  • Pandalama zopezedwa [[ML:0] April 1 – May 31 :
  • Pandalama zopezedwa [[ML: 0] June 1 – August 31:
  • Malo opezedwa [[ML:0] 01 – December 31 :

Kuti mupeŵe chilango, mufunikira kulipira pafupifupi 90% ya msonkho wa chaka chanu kapena 100% wa msonkho wa chaka chatha (110% ngati ndalama zanu zosinthidwa zinali zoposa $1500,000). Gwiritsani ntchito FORm 1040-S kuŵerengera ndi kulipira. Njira yosavuta ndiyo kulipira pa Intaneti kudzera pa IRS system ya IRS Directive Pacture system kapena Electronicle tration system .

Msonkho

Kuwonjezera pa msonkho wa ntchito zaumwini, muli ndi ngongole ya malipiro a boma pa phindu lanu la khoka. Magulu anu a msonkho amadalira pa malipiro anu onse a msonkho (kuphatikizapo malo alionse). Msonkho wa ndalama zimene boma limalipira ungagwiritsidwenso ntchito. Anthu olembedwa ntchito amalemba ndalama zimene amapeza ndi ndalama zolipirira C (FM 1040) , umene umayenderana ndi kubwezera kwawo msonkho.

Kuchepetsa Ndalama Zowonongedwa pa Mabizinesi

Imodzi ya mapindu aakulu a ntchito zaumwini ndiyo kukhoza kuchotsa ndalama zowonongedwa ndi zamalonda zofunikira. Mapeto ameneŵa amachepetsa ndalama zimene mumapeza pa khofi, mwa kuchepetsa ponse paŵiri msonkho wa ndalama zimene mumapeza ndi ntchito zanu. Pano pali magulu opindulitsa kwambiri oyendera njira.

Kuchotsa Ofesi Yapanyumba

Ngati nthawi zonse mumagwira ntchito kapena kugwiritsa ntchito mbali ina ya nyumba yanu pa ntchito yanu, mukhoza kuyenerera ndalama zoyendetsera ofesi yapanyumba. Mukhoza kugwiritsa ntchito njira yosavuta yokwana madola 5 pa senti imodzi, mamita makwerero 300, ndalama zokwanira $1,500 (pansi pa senti 1,500) kapena njira yanthaŵi zonse (yodalira pa chiwongola dzanja chenicheni, ngongole, masheya, ndi inshuwalansi, zoperekedwa ndi masiteji). Muyenera kusamala kuti malowo akhale malo anu a bizinesi ndi ntchito yanuyanu basi.

Ndalama Zowonongedwa pa Moyo ndi Maulendo

Mukhoza kuchotsa ndalama za makampani oyendera limodzi ndi magalimoto pogwiritsa ntchito ndalama zoyendera (65.5 senti pa kilomita imodzi) kapena ndalama zenizeni (ngale, kukonza, inshuwalansi, kuchepetsa ndalama). Ndalama zoyendera pa maulendo a bizinesi (air, kogona, chakudya — kaŵirikaŵiri 50% ya opuwala) n’zosapezeka. Sungani sikelo ya makilogalamu kuti mukhale ndi ndalama zothandizira ntchito.

Zogwiritsa Ntchito ndi Zopereka

Makompyuta, mapulogalamu, mipando ya mu ofesi, osindikiza, ndi katundu sungalembedwe. Pansi pa Chigawo 179, mungachotse mtengo wonse wa zipangizo zoyeneretsedwa m'chaka chimene mumaika mu utumiki, kufikira pamlingo wa $1,600,000 pa 2023 .

Maambulera a Inshuwalansi ya Zaumoyo

Anthu olembedwa ntchito okha angachotse ndalama zoyendetsera inshuwalansi ya zachipatala (kuphatikizapo kusamala mano ndi nthaŵi yaitali) kwa iwo eni, kwa anzawo a muukwati, ndi kwa anthu odalira kwa anthu. Kuchepetsa kumeneku kumatengedwa monga kusintha ndalama (maliro 17 a programme 1), kutanthauza kuchepetsa ndalama zanu zosintha popanda kugula zinthu. Komabe, simungachotse ndalama ngati muli woyenerera kulinganiza ntchito yapamwamba kudzera mwa mkazi.

Zopereka Zopuma Pantchito

Zopereka ku SEP IRA, Solo 401 (k), kapena SIMPLE IRA n’zosafunika ndipo zingachepetse kwambiri ndalama zanu zokhomedwa. Mwachitsanzo, mu 2023 mungapereke 25% ya ndalama zimene mumapeza pa khoka lanu la ukonde ku SEP IRA, yotsala pa $6,000. Solo 401 (k) imalola ngakhale zopereka zapamwamba ngati muli pansi pa 50: wantchito wa pa $22,500) kuphatikizapo ndalama zoperekera (kuwonjezera 25% ya malipiro), chiwonkhomake cha $6,000.

Ntchito za Maluso ndi Maphunziro

Mukhozanso kuchotsa maphunziro, masukulu a pa Intaneti, mabuku, ndi masabusikripishoni amene amathandiza kapena kuwongolera luso lanu pa nkhani za makampani.

Kusunga ndi Kuthandiza

IRS siifuna njira yosungira zinthu, koma muyenera kukhala ndi zolemba zokwanira kuti mutsimikizire ndalama zimene mumalandira ndi ndalama zimene mukulipira. Mu kuŵerengera, mukuona kuti muli ndi umboni. Nazi njira zabwino:

  • Muzikhala ndi maakaunti osiyanasiyana a ku banki ndiponso makadi a ngongole a bizinesi yanu.
  • Musamatenge ndalama zogulira zinthu zonse zimene mumawononga pa bizinesi, ngakhale zing’onozing’ono.
  • Gwiritsirani ntchito pulogalamu yoŵerengera ndalama (Froat Books, Fresh Books, Xero) kapena pulogalamu ya pa programu kuti mupeze ndalama zimene mumapeza mwezi uliwonse.
  • Mayeso a pepala lokhala ndi pulogalamu yoyendera mtunda woyenda mtunda umodzi.
  • Sungani makope a manambala a malisiti, mainvoice, ndi mapangano.
  • Muzionetsetsa kuti mabuku anu akugwira ntchito nthawi imodzi musanaike pa mtengo wa misonkho imene mukuyerekezera.

Kusankha Mabungwe a Mabizinesi

Pamene kuli kwakuti makampani ambiri omasuka amayamba monga operekera msonkho, kupanga gulu lalamulo longa la bungwe la S, LLC, kapena bungwe la Cquart lingakhale ndi ziyambukiro zazikulu za msonkho. kampani yandalama (LLLC) imakulolani kulipira ndalama zoyenerera (zopereka msonkho) ndi kutenga mapindu amene atsala monga kugaŵira msonkho, umene umathaŵa kulipira ndalama. Njira imeneyi ingapulumutse zikwi zambiri koma imaphatikizapo kuyendetsa ndalama zoikizira ndalama.

Msonkho Uyenera Kuudziŵa

Anthu amene amagwira ntchito yolembedwa ayenera kulemba mitundu yosiyanasiyana ya zinthu zimene ayenera kuchita:

  • [[FULT:0] Sure C (Form 1040) [1]: Phindu kapena Kutayikiridwa ku Bizinesi — ikusimba ndalama ndi zowonongedwa.
  • [[MTL: 0] Sucturale SE (Fum 1040) [FULT:1]: Msonkho wodzidalira — umaŵerengera msonkho.
  • [[FULT:0] FORm 1040-ES: Kuyerekezera Msonkho kwa Anthu Ena ndi Ena — kugwiritsiridwa ntchito kulipira ndalama zokwanira.
  • [[FULT:0] FORm 1099-NEC[[FULT:1]: Ngati mulandira malipiro a $600+ kwa sitonti, ayenera kukutumizirani fomu imeneyi. Ngakhale ngati satero, muyenera kupereka lipoti la ndalama.
  • Form 4562: kukwera mtengo ndi kulowetsedwamo — ngati muchotsa chuma.
  • FORm 8829: Ndalama Zogwiritsira Ntchito Mabizinesi a Panyumba Panu — ngati mugwiritsira ntchito njira yanthaŵi zonse ya ofesi ya panyumba.

Msampha Wofala ndi Mmene Mungapewere

Ngakhale omasuka achidziŵitso amaphophonya, pano pali nkhani zofala kwambiri zojambulidwa ndi IRS ndi mmene angazipeŵere.

Kulephera Kulipira Misonkho Yolingalirika

Ngati ndalama zimene mumalandira zisinthasintha, mukhoza kuchepetsa ndalama zimene mumalandira pachaka kuti muchepetse ndalama zimene mukufunikira.

Kuphatikiza Ndalama Zothandiza Munthu ndi Zamalonda

Ndalama zogulitsa zimasunga madesiki ndi kukweza mbendera zofiira poŵerengera.

Kuyang’ana Malonda Oyenerera Obwera (Kutuluka 199A)

Anthu ambiri olembedwa ntchito amayenerera kuchepetsako 20% ya ndalama zawo zoyenerera za malonda. Izi zaŵerengeredwa pa FORM95 [ (kapena 895-A ya mikhalidwe yovuta kwambiri). Ndi mlingo wa pansi pa mlingo wa ndalama zimene zingachepetse kwambiri mtengo wanu wa msonkho.

Kusafuna Kuloŵa M’dziko ndi Msonkho Wakumaloko

Mayiko ena (monga Texas ndi Florida) alibe msonkho wa ndalama zimene amapeza, koma ena (monga California ndi New York) ali ndi ndalama zambiri.

Kusamalira Msonkho kwa Boma ndi Kwawo

Kuwonjezera pa misonkho ya boma, mungakhomereze msonkho wa boma wa ndalama zimene mumalandira, kulipira ntchito yaumwini (m'mayiko ochepa), misonkho ya mzinda kapena ya boma, ndi ndalama zosiyanasiyana za laisensi ya bizinesi. Ngati mugwira ntchito ndi makasitomala m'mayiko ena, mungakhalenso ndi nexus m'mayiko ena, kuyambitsa mathayo. Fufuzani Dipatimenti ya boma ya Website ya Revencation kapena funsani katswiri wa za msonkho kuti mukhalebe womvera pa mlingo uliwonse.

Kutsimikizira Kubwerera Kwanu

Kuchepetsa ngozi yoyendera ndalama:

  • Mafomu a IRS ali ndi mafomu 1099.
  • Musatenge ndalama zochepetsera malonda mokakala (mwachitsanzo, matchuti odzibisa kukhala maulendo a bizinesi).
  • Muzikhala ndi pepala la ndalama zokwana 25 peresenti kwa zaka zitatu (6: 00).
  • Azikumbukiranso munthu amene analembetsa kuti aonenso zimene mwabwerera ngati bizinesi yanu ili yovuta.

Kukonzekera Kupuma Pantchito kwa Anthu Odzidalira

Nzika zokhala ndi ntchito mobwerezabwereza zimanyalanyaza ndalama zosungidwa chifukwa cha ndalama zopuma pantchito. Komabe, mapindu a msonkho ali ochuluka. Monga momwe tanenera poyamba, zopereka ku SOLO 401 (k) kapena ] MASERA [ [a] ndi opereŵera ndipo amakula ndi msonkho wotsika. Soloth 401 [k1] [k:] kapena ndalama zoperekedwa pambuyo pa msonkho waulerensi. Ngakhale kuchepetsa ndalama zanu zoyendetsera msonkho ndi kumanga chuma chanu chanthaŵi ino. Zingachepetsere ndalama zanu zamtengo wapatali. IFLD [KLA kapena zopereka zopereka zopeputsa zaunjika kwa zaka 401]

Kugwira Ntchito ndi Katswiri wa Msonkho

Pamene kuli kwakuti mungakonzere nokha misonkho yanu yogwiritsira ntchito pulogalamu ya TurboTax Self-Ex medieding kapena H&R Block, anthu ambiri odzigwirira ntchito amapeza phindu lalikulu m'kulemba ntchito CPA amene amachita ntchito ya malonda aang'ono ndi ntchito zaumwini. Katswiri angakuthandizeni kuzindikira ndalama zimene mwina munaphonya, kupanga bizinesi yanu kuti mupeze msonkho, ndi kukuimirani ngati mutapeza ndalama zoŵerengera. Msonkhetsi wa msonkho ndi wotsika.

Kumaliza

Kudziŵa bwino misonkho ya kupanikizika sikuli kodzifunira ayi. Mwakumvetsetsa mathayo anu a msonkho wa ntchito yodzigwirira ntchito, kupanga malipiro apanthaŵi yake, kuyang'ana ndalama zopereŵera, ndi maakaunti olemba ntchito, mungasinthe nyengo ya msonkho kuchokera ku magwero a kupsinjika ku mwaŵi wa kulinganiza ndalama zanu. Khalani wolinganiza, phunzirani, ndipo musazengereze kufuna chitsogozo cha katswiri. Kuti mupeze tsatanetsatane wowonjezereka, tchulani . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .