Kumvetsetsa Msonkho wa Kudzipatsa

Monga wopatula, inu nonsenu ndinu wolemba ntchito ndi wantchito. Mbali ziŵiri zimenezi zikutanthauza kuti muli ndi thayo la kulipirira msonkho wa ntchito yaumwini, ndalama zimene Social Security and Medicare . Mosiyana ndi wantchito wamwambo, amene amagaŵana misonkho imeneyi ndi abwana awo, inu eni mumakuta ndalama zonse. Ndalama zapakhomo zimene mumalandira panopo ndi 15.3% pa ndalama zanu, zopangidwa ndi 12.4% pa ndalama zanu za Social Security ndi 2.9% ya Medicareas. Komabe, gawo la Social Security limagwira ntchito pamalirenti ina ya chaka ndi chaka ($168,600 mu 2024). Ndalama zilizonse zimene zikutsalabe pa khoti lanu, ndi msonkho ngati mukhoza ndalama zokwana $200,000 [200,000]

Kuŵerengera msonkho wa antchito aumwini kumayamba ndi phindu la kampani ya Sedynal C. Mumachulukitsa 92.35% ya malipiro a khotiwo pa deti la 15.3%. Mwachitsanzo, ngati mupeza $600,000 m'malipiro a khofi, msonkho wanu wa ntchito ndi $5,410 ($600,000 × 0.935), kutsogolera ku msonkho wa $8,478. Ndalama imeneyi imalembedwa pa SPRIGANIA ndipo imawonjezera pa msonkho wanu wanthaŵi zonse. Ndalama za malipiro a bwani a ntchito yodzilipira mwini (Nkhakate yathunthu la) zingatengedwe monga kuwongolera ndalama zanu pa Khirim, kuchepetsa ndalama zanu zolipira msonkho. Kudziŵa msonkho imeneyi n’kovuta chifukwa kumakukhudzani kukwera kwanu ndi kulipira ndalama.

Oyerekezera Msonkho: Kupitirizabe Kuyembekezera Msonkhowo

Popeza kuti misonkho simanidwa pa malipiro anu aulere, IRS imafuna kuti mupereke msonkho woyerekezeredwa kwa kasanu. Dongosolo limeneli limaletsa kulipira msonkho wochepa ndipo limakutsimikizirani kuti simukuyang'anizana ndi ndalama zambiri mu April. Malipirowo amalipira ndalama zanu zonse ziŵiri za ntchito ndi ndalama zolipira. Mukhoza kulipira ndalama MPEND 1040-S kuti muwerengera msonkho wanu woyerekezeredwa. Madeti ake ndi April 15, June 15, September 15, ndi January 15 a chaka chotsatira. Ngati muphonya msonkho, chiŵeruzo chingapereke, ngakhale ngati mupereka ndalama zokwanira pambuyo pake.

Kusankha kuti mupereke ndalama zingati, yerekezerani ndalama zimene mumayembekezera kuti mupeze chaka ndi kuchotsapo ndalama zimene mumayembekezera. Gwiritsani ntchito misonkho yoyenera ndi ndalama zolipirira. Lamulo la padoko lotetezeka lingachepetse zimenezi: ngati mulipira pafupifupi 100% a msonkho umene munalipira chaka chatha (100,000% ngati ndalama zanu zochepetsedwa zinali zopitirira $10,000), mudzapeŵa kulandira chilango ngakhale ngati ndalama zimene mumapeza tsopano n’zokwera. Ofeŵetsa ndalama zambiri amagwiritsira ntchito njira yotetezeka padoko [[FL:0] chaka chapitacho kutsimikizira kuti ndizoyenera kulipira galimoto kapena kuyang'anira msonkho wodalirika. Nthaŵi zonse mukhoza kulipira ndalama zanu zoperekedwa pa Intaneti (PROGOKS DE .)

Kuchepetsa Msonkho Wanu Womasuka

Imodzi ya mapindu aakulu a kumasula ndiyo kukhoza kuchotsa ndalama zoyendetsera ntchito zovomerezeka za bizinesi, kuchepetsa ndalama zimene mumalandira pokhoma msonkho. Komabe, IRS imafuna ndalama zochepetsera kuti zikhale zofala ndi zofunika pa ntchito yanu. M'munsimu muli magulu ofunika kuti mufufuze.

Kuchotsa Ofesi Yapanyumba

Ngati mugwiritsira ntchito nthaŵi zonse ndi kugwiritsa ntchito mbali ya nyumba yanu ya bizinesi , monga malo anu aakulu a malonda kapena malo okumana ndi ogula [1] mungayenerere. Gwiritsirani ntchito yowonjezera njira [ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Zogwiritsa Ntchito ndi Zopereka

Makompyuta, mapulogalamu, makamera, mamaikolofoni, mipando ya m'maofesi, ndi zinthu zina zowoneka zingatulutsidwe. Pansi pa Kusintha 179 , mungawonongepo mwamsanga ndalama zokwana $1,2200,000 (2024) ya kuyenerera zinthu m’chaka chimene mumaiika mu utumiki. Kapena, mungagwiritsire ntchito kukwera mtengo kwa mtengo kapena kutsika kwa moyo wopindulitsa. Mapepala, ink, postage, ndi maina a kukonzanso kwa malo amachotsedwa mokwanira m'chaka chomwe chagulidwa.

Maulendo ndi Zakudya

Mabizinesi achoka panyumba yanu ya msonkho . monga ngati kuyendetsa galimoto kupita kumalo ochitirako malonda kapena kupezeka pamsonkhano . N’kotheka kugula ndalama zoyendera (masenti 6 pa kilomita imodzi mu 2024) kapena ndalama zenizeni za galimoto. Kugula ndi 50% ya chakudya cha bizinesi n’koperewera. Sungani ndandanda ya makilogalamu ndi malisiti. IRS imafufuza ndalama zoyendera, choncho imalemba cholinga cha ulendo uliwonse.

Ntchito za Maluso ndi Maphunziro

Malipiro a lamulo, mapulogalamu a zandalama, kutumiza mameseji, kusatsa malonda, ndi kukhala mamembala a mabungwe aukatswiri n’ngosadalirika. Ndalama zothandizira kapena zowongolera maluso ofunikira m’bizinesi yanu yamakono n’zosatheka, koma ndalama zoyeneretsedwa pa malonda atsopano n’zosafunika. Mwachitsanzo, wolemba waulere angachotse ndalama zothandizira kukambirana, koma safuna kugula digiri yalamulo.

Maambulera a Inshuwalansi ya Zaumoyo

Ngati muli ndi ntchito zanu ndipo simuyenerera kulinganiza makampani olembedwa ntchito, mungachotse ndalama zoyendetsera mankhwala, mano, ndi zoyenerera kwa inu nokha, mnzanu wa muukwati, ndi odalira pa inu. Kuchepetsa ndalama zimenezi kumatengedwa monga kusintha ndalama (maliro 17 pa Fm 1040), kuchepetsa AGI yanu.

Mbiri Yosunga Machitidwe Abwino Koposa

Mabuku ofotokoza za kubwera kwanu ku yunivesite amalimbikitsa anthu kuti azisunga mapepala a pa Intaneti kwa zaka zitatu kuchokera pa tsiku limene mumabwerera.

  • [[FLT: 0] Kaunti ya ku banki ndi khadi la ngongole: Gwiritsirani ntchito akhawunti yopatulidwa ya bizinesi ndi khadi la ngongole kaamba ka ndalama zonse zaulere ndi zowonongedwa. Izi zikonzanso kujambula ndi kutsimikizira kuti ndalama zaumwini ndi za bizinesi sizisanganizidwa.
  • Malisiti ndi mapepala: Mafaniziro kapena chithunzi cha lisiti iliyonse. Gwiritsani ma apulogalamu ngati Khirisiti, Funizirani Mabuku Aakazi Aumwini- Ofesi, kapena Zolemba Zoyamba kukonza zinthu kuti mupange ndalama zimene zikufunika. Kuyenda, loga ya pa ulendo pogwiritsa ntchito ofufuza a GPS.
  • Kusintha: Pangani tchati cha maakaunti amene amagwirizana ndi magulu a Sedynal C (m., kusatsa malonda, ndalama za ofesi, ulendo, zoperekera katundu). Kanitsitsani magulu anu mwa chigawo chimodzi ndi chimodzi kuti mupeŵe kuphonya ndalama zopereŵera.
  • Mapangano ndi mapepala a banki: Musungitse makope a mapangano a makasitomala, zikalata zolipirira (Paijal, spice invoices), ndi mafomu 1099-NEC a chaka ndi chaka.

Ganizirani kugwiritsa ntchito njira zosungira makumbi monga Google Drive kapena bokisi lokhala ndi nyumba za mafaelo zosankhidwa pa chaka poti ndi msonkho. Kusunga zolemba zabwino chaka chonse kumachepetsa kuthamanga kwa kanthawi ndi zolakwa.

Kusankha Mabungwe a Mabizinesi

Ogula ambiri amayamba monga ongopanga, koma kayendetsedwe kanu ka bizinesi kamayambukira kulephera ndi kuyendetsa bwino misonkho.

Kudzionetsera

Ichi ndi chodabwitsa ngati mugwira ntchito nokha ndipo simukuphatikizapo. Zimapereka mfundo zosavuta: Mukuchitira lipoti ndalama zimene mumalandira ndi zowonongedwa pa Shedynal C ndi kulipira msonkho wa ntchito zanu pa phindu lonse la masikito. Komabe, palibe chitetezo chaumwini . Ndalama zanu zili pangozi ngati sitomu ya polisi. Zingakonzeke kukonza mautumiki aung'ono monga kulemba kapena kupanga.

Kampani Yopanda Maliro (LLC)

LLC imapereka chitetezero chopanda pake pamene ikulola kupyola pa msonkho wa ndalama za kampani (wopanda msonkho wa kampani). Mungakhale munthu mmodzi wa msonkho wa LLC monga woperekera msonkho, kapena mungasankhe kupatsidwa msonkho monga bungwe la S. Phindu lalikulu la msonkho wa LLC ndi kutetezera chuma chaumwini ku ngongole za bizinesi. Kutumiza mapangano ndi ndalama zoikizira boma zowonjezera ntchito ya boma.

Kusankha Gulu

Ngati ndalama zimene mumapeza pa khoti ndi zochuluka (monga ngati $600,000-$800,000), kusankha malo a bungwe la S kungachepetse msonkho wa ntchito yanu. Monga S corp, mumadzilipira nokha “malipiro oyenera” okhoma misonkho, ndipo phindu lotsalalo limagawidwa monga phindu, limene siliyenera kupatsidwa msonkho wa ntchito yodzigwirira okha. Zimenezi zingasungitse zikwizikwi pachaka, koma zimafuna ndalama zambiri zoyendetsera ntchito ndi misonkho yapa pachaka (FOR 1120-S). Funsani katswiri wa msonkho asanapange chisankhochi.

Mukhozanso kugwiritsa ntchito ndalama zimene mumapeza, kuwonongeka kwa zinthu, ndiponso zolinga zanu za nthawi yaitali.

Kubweza Msonkho Wanu Wapachaka

Monga womasuka, kubwerera kwanu kwa boma kumaphatikizapo Malamulo 1040, Setepy C (Profit kapena Kutaikiridwa ku Bbisishoni), ndi Shedynal SE (Iye mwini). Muyenera kusimba ndalama zonse mosasamala kanthu kuti mumalandira ndalama 1099-neC. Ngakhale ngati wogulayo ali ndi ndalama zochepera $600, mukufunikira kuzisimba.

  • [[FLT: 0] C: Kambani malisiti anu aakulu (malipire onse a makasitomala) kuchotsa ndalama zanu za bizinesi kufika pa phindu la khofi kapena kutaikiridwa. Ngati muli ndi mabizinesi osiyanasiyana, konzerani Sedynala C yapadera iliyonse.
  • [[ML:0] Specule SE: Kuŵerengera msonkho wa ntchito zaumwini zozikidwa pa phindu la khofi kuchokera ku Sedynal C. Mukhoza kuchotsa theka la msonkho wa SE pa Mafomu 1040 (mpata 17).
  • [[FLT :0] Mafomu a chiwonjezeko: [[FLT :1] Ngati muli ndi antchito (ngakhale inu eni monga S corp), mudzafunikira mafomu olipira (941, 940). Ngati munalipira omanga nyumba oposa $600, muyenera kupereka kwa iwo. Mapindu a boma angafunikirenso.

Mapulogalamu a pulogalamu ya msonkho yogwiritsa ntchito kompyuta yopangira anthu olembedwa ntchito paokha (TirboTax Self-Employd, H&R Block Premium , etc.). Konzekerani chikumbutso chosonkhanitsa 1099 yanu pofika kumapeto kwa January. Ngati mukuphonya nthaŵi ya April, pulogalamu 4868 ya Madesi owonjezera pa miyezi isanu ndi umodzi yokha, koma dziŵitsani kuti kuwonjezera kwa mafashoni sikuwonjezera nthaŵi yolipira , muyenera kuyerekezera ndi kulipira misonkhongole iliyonse yofunikira kulipira pofika April 15 kuti mupeŵe chilango.

Inshuwalansi ya Zaumoyo ndi Kusunga Ntchito

Anthu amene amagwira ntchito yolembedwa okha ayenera kudzisungira okha ndalama zogulira chithandizo cha mankhwala ndiponso kukonza zoti azipuma pantchito.

Kuchotsa Inshuwalansi ya Zaumoyo

Monga tanenera kale, mukhoza kuchotsa ndalama zimene mungathe kulipira nokha, mnzanu, ndi anthu amene mumadalira ngati simuyenerera kulembedwa ntchito. Kuchepetsa kumeneku kumachepetsa ndalama zanu zosinthidwa. Muyenera kukhala ndi phindu la khoka kuchokera ku ntchito yanuyanu yokha kuti mupeze ndalama; siingapambane phindu lanu. Ngati muli ndi makonzedwe a thanzi odalirika, mungaperekenso ku bungwe la za Thanzi Losungira Masiye (HA), limene limapereka mapindu ambiri oyenerera, kukwera kwa msonkho, ndi kulipira msonkho kwa ndalama zoyenerera za mankhwala.

Zolinganiza za Opuma Pantchito

Popanda bwana 401 (k) mufunika kusunga ndalama zanuzanu zopuma pantchito.

  • IRA: Malo opereka 25% ya malipiro a ukonde wanu (kapena 20% ya phindu la khoka), osungidwa pa $6,000 pa 2024. Zopereka nzokhoza kusungidwa msonkho, ndipo makonzedwe ngosavuta kukhazikitsa ndi mapepala ochepa.
  • SOLO 401(k): Inapangidwa kaamba ka anthu olembedwa ntchito okha opanda antchito (oposa mwamuna kapena mkazi). Mungapereke ndalama zokwana $2,000 (25,000) monga wantchito (2024) kuphatikizapo 25% ya ndalama za khoti monga bwana, pa chiwonkhetso cha $6,000 (kapena $76,500 ngati ali ndi zaka 50 +).

Sankhani mapulani amene akugwirizana ndi ndalama zimene mumapeza komanso zolinga zanu. Vanguard, Fidelity, ndi Schwab akupereka zosankha zotsika.

Mathayo a Boma ndi Amsonkho

Anthu odziwa kugwiritsa ntchito ndalama za Freelancres amafunikanso kudziwa njira zoyendetsera ntchito ya msonkho komanso misonkho ya m’dzikolo.

  • msonkho wa malipiro adziko: [[FLT :1] Maboma ambiri amakakamiza msonkho wa ndalama (kusiyapo Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington, ndi Wyoming). Ngati mukhala kapena kuchita mautumiki m'maiko ambiri, mungakhale ndi mathayo a mafashoni m'dziko lirilonse. Zimenezi nzofala kwa odzifunira ogwirira ntchito limodzi ndi makasitomala m'dziko lonse.
  • msonkho: Ngati mugulitsa zinthu zopangidwa kapena mautumiki ena a foni, mungafunikire kusonkhanitsa ndi kutumiza msonkho wa malonda ku boma kumene kasitomala amakhala. Boma lililonse lili ndi malamulo ake (nexus). Mwachitsanzo, maboma ambiri amafuna kulembetsa ngati muli ndi mabizinesi 200 kapena $10,000 m'bomalo. Mautumiki onga kukonza msonkho kapena kufunsira kaŵirikaŵiri amaletsedwa, koma pendani malamulo a boma lanu.
  • Malaisensi a malonda ndi zilolezo: mizinda yambiri ndi mayeso amafunikira laisensi ya malonda ya onse, laisensi yaukatswiri, kapena ntchito yapanyumba. Kaŵirikaŵiri zotayitsa zimakhala zazing'ono koma kulephera kulembetsa zingatsogolere ku faindi. Pezani webusaiti ya mu mzinda wanu.

Gwiritsirani ntchito chuma chonga chotsogolera m'bizinesi [1] ndi Dipatimenti ya boma lanu ya Revenue kuti ikutsogolereni. Ganizirani ntchito yonga Avalara kuti mugulitse msonkho ngati mugulitsa m'madera onse a boma.

Kupeŵa Zolakwa Zofala ndi Zosonkhezera

Anthu odziwa kugwiritsa ntchito ndalama zawo akalakwitsa, nthawi zambiri amalakwitsa zinthu zimene zimawachititsa kuti afufuze kapena kusiya ndalama patebulo.

  • [[FLT :0] Kusankha antchito kukhala omanga odziimira okha: Kulakwa kungatsogolere ku zilango zokwera mtengo. Gwiritsirani IRS Form SS 8 kapena mayeso 20 a mafashoni kutsimikizira antchito anu kukhala odziimira okha.
  • Kulipiritsa kulipira misonkho yoyerekezeredwa: Ngakhale ngati simuli ndi mangawa, kupereka misonkho yoyerekezeredwa kungachititse nkhani za kuyenda kwa ndalama. Chongani 25-30% ya malipiro alionse m'mabanki apadera.
  • Kusalemba chigawo cha malonda cha katundu: kaamba ka zinthu zonga galimoto yogwiritsiridwa ntchito ponse paŵiri ndi ya bizinesi, muyenera kugaŵira zowonongedwa zozikidwa pa mtunda. Sungani ndandanda ya nthaŵi imodzi.
  • Kuchepetsa ndalama zodyetsera chakudya kapena zosangulutsa: Kokha 50% ya chakudya cha bizinesi nchosapezeka; zosangulutsa (tikiti ya thawula, galofu) kaŵirikaŵiri sizimawonongeka pambuyo pa kusintha kwa msonkho mu 2017.
  • Kugwiritsa ntchito Sedynal C ndi kutayika: Ngati musonyeza kutaikiridwa kwa zaka zambiri, IRS ingagamulenso ntchito yanu monga chinthu chosangalatsa, kuchotsapo ndalama. Zitsimikizidwe kuti mumagwira ntchito ndi cholinga cha phindu ndi kulemba mapulani anu a bizinesi.

Makampani ofufuza zinthu amapezeka kwambiri monga ndalama zochepetsera ndalama zimene mumalandira ku ofesi ya nyumba, zopereka zazikulu zothandizira anthu osoŵa, ndi ziŵerengero zoyerekezera.

Pamene Ayenera Kuzenga Msonkho

Ngakhale kuti anthu ambiri ongodzipereka amakhoma misonkho pogwiritsa ntchito pulogalamu ya pakompyuta, amafunika kugwiritsa ntchito munthu wina amene wapatsidwa ntchito yofufuza za boma (CPA) kapena Mtumiki (EA) amene anasungidwa kuti apeze ndalama zolipirira yekha.

  • Ndalama zimene mumapeza n’zocholoŵana kwambiri ndi zigawo za dzikolo, anthu ogula zinthu padziko lonse, kapena mabungwe ambiri a bizinesi.
  • Muli ndi antchito kapena mukulingalira za chisankho cha S corp.
  • Mukapimidwa kupima kapena kupatsidwa chikalata cha IRS.
  • Muyenera kuonetsetsa kuti ndalama zanu za msonkho zili bwino, osati kungotsatira malamulowo.
  • Simukhala ndi nthaŵi kapena chidaliro cha kuyang’anira zinthu zodulitsa ndi zochepetsedwa.

Mukhoza kugwiritsa ntchito ndalama za msonkho poyendetsa malo a mabwinja, pokonzekera ntchito yopuma pantchito, ndi potsimikizira kuti mulandira ndalama zoyenerera. Fufuzani kwa akatswiri odziŵa za msonkho wa ntchito yawo. CHENA ndi ndalama zosungiramo zinthu

Kumaliza

Kusankha kupatsa ufulu waukulu, koma kumafuna chilango ponena za misonkho. Mwakumvetsetsa msonkho wa ntchito yaumwini, kulipira ndalama zoyerekezeredwa kukhala za chigawo chimodzi ndi chimodzi, kusunga zolembedwa mosamalitsa, ndi ndalama zoikizidwa, mungasunge ndalama zambiri zoikizidwa . Kusankha mabizinesi abwino, kukonzekera kaamba ka kuleka ntchito, ndi kumvera malamulo a kumaloko kumalimbitsa kwambiri maziko anu a ndalama. Mfungulo ndiyo kukhalabe okangalika kufikira April akuyembekezera ponena za misonkho. Gwiritsirani ntchito ndi njira zondandandandandandandalitsira m'nkhani ino, ndi kulingalira za katswiri woyenerera wa msonkho kaamba ka uphungu waumwini. Ndi kulinganiza kwanu kwabwino, mathayo anu a msonkho amakhoza kuyendetsedwa, kukulolani kukulitsa ntchito yanu yaulere.