Kuzindikira Msonkho

Nthaŵi ya misonkho ingakuvuteni, koma kugwiritsa ntchito kwambiri ndalama za msonkho kuli imodzi ya njira zothandiza kwambiri zochepetsera msonkho wanu ndi kuwonjezera ndalama zimene mumalipira. Kuchepetsa ndalama zimene mumalipira msonkho, kutanthauza kuti mumangolipira ndalama zimene zatsala zitachotsedwa. Msonkho wambiri wothandiza kuchepetsa msonkho wanu, kuchokera ku ndalama zolembedwa zosavuta.

Kodi N’chiyani Chikuchitika Chifukwa cha Msonkho?

Kuchepetsa msonkho ndi ndalama zimene IRS imakulolani kuchotsa pa ndalama zanu zoikizira msonkho. Mwachitsanzo, ngati mupeza $600,000 ndipo muli oyenerera kulipira $13,850, mudzangopereka msonkho pa $46,150. Ndalama zotsika zimene mumalandira, msonkho wochepawo uli wosiyana ndi ngongole, zimene zimachepetsa ndalama zimene mumalipira ndalama zanu za msonkho.

Pali mitundu itatu ya misonkho yotakata:

  • Desiki yosayenerera --mphwayi yoikidwa ndi IRS yozikidwa pa malo anu olemba.
  • Mukadula ndalama zochepetsedwa [ ] – ndalama zoikizira zimene mumalemba pa Shedynal A, monga chiwongola dzanja cha ngongole, mtengo wa zamankhwala, ndi mphatso zaufulu.
  • Kuchokera kumtunda kwa mlingo wa [1] – kusintha ndalama zimene mungapeze ngakhale mutatenga ndalama zoikizidwa. Izi zimaphatikizapo zopereka ku ma IRA, chiwongola dzanja cha ophunzira, ndi ndalama zosungidwa (HA).

Kusintha kwa Zinthu: Kodi N’chiyani Chili Chabwino?

Munthu aliyense amene wapereka msonkho ayenera kusankha kulipira ndalama zimene wachepetsa kapena kugula ndalama zimene watsala kuti apereke.

Mtengo wa Kuchotsa Manda mu 2024 ndi 2025

Kusintha ndalama zochepetsera ndalama zimene a IRS amalipira chaka chilichonse chifukwa cha kukwera mtengo kwa zinthu. Chaka cha 2024 (kubwerera kwawo kuchiyambi kwa 2025), ndalama zochepetsedwa ndi izi:

  • K4,600 a olemba mafaelo amodzi
  • Madola $9200 a okwatirana ogwirizana pamodzi
  • Ndalama zokwana madola 1,900 za mitu ya mabanja

M’chaka cha 2025 cha msonkho (chobwezeredwa kuchiyambi kwa 2026), unyinji umakwera kufika pa $15,000 (yokha), $300,000 (yogwirizana), ndi $2,500 (mutu wa banja). Ngati ndalama zonse zowonongedwa zowonongedwa ndizochepera pa zonulirapo zoyenerera, kutenga ndalama zochepetsedwazo nzapafupi ndi zopindulitsa kwambiri.

Pamene Kupereka Kulipira

Ngati ndalama zimene mwagula zikupitirira pa zimene mungathe, muyenera kukonzanso zinthu zina zimene mungafunike kugula.

  • Chiwongoladzanja cha ngongole yaikulu ya panyumba
  • Ndalama zapamwamba za mankhwala kapena za mano
  • Zopereka zazikulu zothandizira anthu ovutika
  • M’dzikolo muli misonkho yaikulu komanso misonkho ya m’dera lanu (SALT), yomwe imagwiritsidwa ntchito pa chipewa cha $10,000

Mungathe kugwiritsira ntchito [[MML:0] Mpangidwe wa 1040 Seguwa A [[FL:1] kusindikiza. Musungire zikalata zonse zochirikiza ngati mufuna kuŵerengera.

Kulongosoledwa kwa Madedule Ofunika

Chikondwerero Chochepa

Okhala m’nyumba angachotse chiwongola dzanja cholipiridwa pa ngongole zogwiritsiridwa ntchito kugula, kumanga, kapena kuwongolera nyumba yachiŵiri. Ndalama zotsalazo zimagwira ntchito ku ngongole yoyamba ya nyumba (kapena $750,000 ya ngongole ya nyumba (kapena $375,000 ngati ali okwatira). Mfundo zolipiridwa kuchepetsa chiwongola dzanja zimachepetsedwanso, kaŵirikaŵiri zimafalitsidwa pa moyo wa ngongole. Chiwongola dzanja cha ngongole cha ngongole chimasamalidwa mosiyana ndi kulembedwa pa Shedynal E.

Kuwononga Madokotala ndi Mano

Mukhoza kuchotsa ndalama zofunikira zamankhwala zosafunikira zimene zimaposa 7.5% ya malipiro anu osintha (AGI). Kukwera mtengo kwa ndalama kumaphatikizapo maulendo a dokotala, nthaŵi yogona m’chipatala, mankhwala a mano, chisamaliro cha mano, ndi ngakhale makilogalamu a ulendo wa zamankhwala. Mwachitsanzo, ngati AGI ili $500,000, mungachotse ndalama zowonongedwa pa $3,50.

Boma ndi Misonkho ya M’deralo (SALT)

Mukhoza kuchotsa msonkho wa boma ndi wa ndalama zimene mumapeza, kapena msonkho wa boma ndi wakwanuko (koma osati wa zonse ziŵiri), kuphatikizapo misonkho ya malo ndi nyumba. Ndalama zonse za boma ndi malowonse zimagulitsidwa pa $10,000 pachaka. Kapu imeneyi imagwira ntchito pa ndalama zonse ziŵiri za ndalama ndi misonkho ya katundu yophatikizidwa. Ngati mukukhala m'boma popanda msonkho wa ndalama, kuchotsa msonkho wa malonda kukhozabe kukhala kopindulitsa.

Zopereka Zothandiza Anthu

Zopereka kwa magulu 501(c)(3) n’zosadalirika. Mukhoza kuchotsa ndalama zoyendetsera ntchito monga mphatso, katundu, ngakhale ndalama zowonongedwa podzipereka. Pa zopereka za ndalama, zolembedwa kapena zovomerezeka kubanki n’zofunika. Zopereka zopanda ndalama zoposa $500 zimafuna Malo 8283. Kwa 2024, simungachotse zopereka za anthu pokhapokha ngati mutapereka. Mtengo wa pachaka ndi 60% ya zopereka zanu za AGI, ngakhale kuti ndalama za AGI zili ndi malire otsika.

Kuwononga Ndalama ndi Kubera

Kutayika kwa masoka onenedwa ndi boma kungachotsedwe ngati apitirira 10% ya AGI yanu pambuyo pa kuchepetsapo $100 pa chochitika chilichonse. Kuchepetsa kumeneku kulipo kokha ngati muikapo ndalama, ndipo kumafuna mapepala atsatanetsatane (maphoto, malipoti a apolisi, mainshuwalansi).

Mabuku apamwamba a Mavesi (Aamboni Ofika Patsogolo)

Madonsi apamwamba a layini ndi ofunika kwambiri chifukwa amachepetsa AGI yanu mwachindunji, ndipo mungawanene ngakhale ngati mutenga ndalama zochepetsedwa. AGI yotsika ingawonjezerenso kuthekera kwa ngongole ndi zochepetsetsa zina. Mfungulo pamwamba pa zonulirapo za layini imaphatikizapo:

  • Zopereka za IRA za m'makwalala – kufika ku $7,000 mu 2024 ($8,000 ngati ali ndi zaka 50 kapena kuposa), zoikiziridwa ndi ndalama zopezedwa.
  • Health Saves akhawunti (HSA) zopereka – kufika ku $4,150 ya anthu, $8,300 kwa mabanja mu 2024, ndi kupha kwa owonjezereka $1,000 kwa 55+.
  • Chiwongola dzanja chandalama chandalama – kufika ku $2,500, zogaŵidwa pa malipiro apamwamba.
  • [[FL:0] Ndalama za msonkho wa ntchito za kudzitukumula - [1] simudzalipira theka la msonkho wanu wa ntchito.
  • Malipi a inshuwalansi ya zaumoyo yodzitukumula – chotseratu mwachindunji.
  • Ndalama zoyendetsera – mpaka $300 ya aphunzitsi ogula zinthu za m’kalasi.
  • Alimony ilipiridwa – kwa zisudzulo zomaliza zisanakwane 2019.

Malonda ndi Kudzipatsa Malamulo

Ngati ndinu wopatula, womanga wodziimira pawekha, kapena mwini wa makampani ang'onoang'ono, ndalama zambiri zamalonda wamba ndi zofunika nzosaŵerengeka. Ndalama zimenezi zikusimbidwa pa Shedyuli C (amodzi okha a oyendetsa ntchito) kapena pa kubwezedwa kwa mgwirizano / kampani. Makampani ambiri amaphatikizapo:

  • Desikishoni ya ofesi yapanyumba ) – malo opatulidwa ogwiritsiridwa ntchito nthaŵi zonse ndi kokha ku bizinesi. Mungathe kugwiritsira ntchito njira yosavuta ($5 pamiyendo iŵiri, kufika ku masikweyaredi 300) kapena njira yokhazikika yozikidwa pa zowonongedwa zenizeni.
  • [[FLT: 0] Ndalama zowonongedwa za Vehicle [[FL:1] – deti la masenti (67 pa kilomita imodzi mu 2024) kapena ndalama zenizeni monga gasi, kukonza, ndi inshuwalansi. Muyenera kulemba malonda.
  • [[MLT: 0] Ziŵiya ndi zipangizo [1] – zinthu zogwiritsiridwa ntchito m'bizinesi, kuphatikizapo mapulogalamu a mu ofesi, ndi ziŵiya. Zogula zazikulu zingafunikire kuchotsedwa kapena kuwonongedwa pansi pa Chigawo 179.
  • Travel ndi chakudya [1] – ulendo wa malonda (fari, hotela, 50% ya chakudya) n’zosapezeka. Zakudya ndi makasitomala kapena popita ku bizinesi zoyeneretsedwa pa 50%.
  • Mautumiki antchito – malipiro a oŵerengera ndalama, maloya, ndi alangizi a zamalonda a ntchito zanu.
  • Kugulitsa ndi kutsatsa – webusaiti yonyamula, kusatsa malonda kwa makampani, makhadi a bizinesi, ndi zotsatsira malonda.
  • [[FULT:0] Malipire a kuchuluka – chomangira, kudodometsa malonda, ndi inshuwalansi ya thanzi ya inu ndi antchito.

Anthu odzigwirira ntchito ayeneranso kukumbukira [[FLT: 0] KUDZIPHALA Ife mwini [Malikulu a Tchalo] kuti apeze chitsogozo chowonjezereka. Nthaŵi zambiri ndalama za msonkho zoyerekezeredwa ndi Quarterly zimafunika kuti mupeŵe chilango.

Maluso Ochepetsera Maselo Anu

Kukonzekera kwa chaka chonse kungakuthandizeni kwambiri kuti muchepetse ndalama zimene mwagulazo.

Mabotolo

Ngati ndalama zimene mwalemba zikucheperapo pa ndalama zimene mumagwiritsa ntchito, yesani “kugula zinthu zowonongedwa zachipatala za ” kapena zopereka zothandizira anthu ovutika chaka chimodzi. Mwachitsanzo, muzipereka ndalama zothandizira anthu osoŵa kwa zaka ziwiri m’chaka chimodzi, tsatirani ndalama zimene mukugwiritsa ntchito chaka chotsatira. Njira imeneyi imathandiza kwambiri mukamasinthana ndi kugula ndalama zimene mukufunikira kugula chaka chilichonse.

Zopereka Zowonjezera pa Ntchito

Kuwonjezera pa IRA yamwambo, 401(k), SEP IRA, kapena SIMPLE IRA kumachepetsa malipiro anu amakono oyenera kulipira msonkho. Pamene mupereka ndalama zambiri (kufikira pa malire a lamulo), ndalama zanu za msonkho zimatsika. Mu 2024, antchito angapereke ndalama zokwana madola 2,000,000 mu 401(k), ndi ndalama zowonjezereka zokwana madola 7,500 ngati mukhoza kulipira zaka 50 kapena kuposa. Anthu olembedwa okha angapereke ndalama zambiri pogwiritsira ntchito SEP IRA.

Gwiritsirani Ntchito Nkhani Yopulumutsa Thanzi (HSA)

Ngati muli ndi njira yapamwamba ya zaumoyo, perekani ndalama za msonkho ku HSA: zopereka ndizo msonkho wopitidwa, ndalama zomakula popanda msonkho, ndipo ndalama zopitira kuchipatala zoyenerera n’zaulere. Izi ndi chimodzi cha zida zamphamvu kwambiri zosungira msonkho zimene zilipo.

Khalani ndi Kachipangizo Kothandiza

Pamalonda kapena pa zamankhwala, siteshoni ya IRS yovomerezedwa njaikulu. Komba deti, malo, cholinga, ndi makilomita ambiri. Masewera angapeputse njira. Mtengo wa 2024 ndi 2024 ndi masenti 67 pa bizinesi, 21 senti ya kusamutsira (ankhondo yokangalika), ndi masenti 14 pa ntchito yooloŵa manja.

Perekani Zinthu Zofunika

Mukhozanso kugula ndalama zogulira katundu amene wagulitsidwa bwino ndipo simukulipira msonkho wa ndalama zimene mumalipira pomulipira. Njira imeneyi imathandiza kwambiri kwa anthu amene amagula zinthu zambiri.

Kusunga ndi Kulemba

IRS imafunikira umboni wa kuchepa kulikonse kwa ndalama zimene zaperekedwa. Kusunga zolembedwa ndi chimodzi cha zifukwa zazikulu zimene zimakanizidwa poŵerengera. Tsatirani njira zabwino izi:

  • Sungani malisiti, macheke ochotsedwa, ndi maakaunti a kubanki kwa zaka zosachepera zitatu pambuyo pa kukonza (zaka zisanu ndi chimodzi ngati simusimba ndalama zopezedwa ndi oposa 25%, ndi nthaŵi zonse kaamba ka chinyengo).
  • Muzigwiritsa ntchito pulogalamu yosonyeza zinthu zimene mukufunika kugwiritsa ntchito mwezi uliwonse.
  • Zopereka zongothandiza anthu zosakhala za makampani a zamalonda zopitirira madola 250, zinalembedwa ndi bungwe lothandiza anthu ovutikalo.
  • Kuyenda mtunda wautali pa bizinesi ndi mitengo ya pepala ya kampani ya panthawi imodzi sikuli kovomerezeka.
  • Sungani Mafomu 1099 ndi W2, ndipo zigwirizaneni ndi kubwerera kwanu.

IRS imagaŵira [[FLT: 0] chisankho 552 ndi zitsogozo zatsatanetsatane zosunga zolembedwa.

Zolakwa Zofala Zimene Zimalephera Kutulukira

Kupeŵa mbuna zimenezi kungakupulumutseni zikwi zambiri:

  • Kulemba ndalama zoikidwiratu pamene kujambula kuli bwino – nthaŵi zonse amaŵerengera njira zonse ziŵiri, makamaka ngati munali ndi matenda aakulu, kugula nyumba, kapena kupanga zopereka zazikulu.
  • Kuyang'ana pa mlingo wapamwamba wa ndalama zoyendetsera ntchito [[FL:1] --ofesala ambiri amaiŵala ndalama zimene aphunzitsi awononga, zopereka za HSA, kapena zolembedwa ntchito pawekha.
  • Kusintha kuchotsapo [[FT:1] ] – ngati mulandira ndalama zazikulu, mukupatsa IRS ngongole yachiwongola dzanja. Longolera W yanu kuti muwonjezere malipiro a nyumba ndi kusungitsa kusiyanako.
  • Kuchepetsa ofesi yapanyumba – anthu ena olembedwa ntchito sakhala ndi ndalama zimenezi chifukwa cha kuopa kuŵerengera, koma ngati muyeneretsedwa, imakhala yalamulo ndipo kaŵirikaŵiri yochuluka.
  • Osakonza chifukwa chakuti muganiza kuti mulibe ngongole iliyonse ] – mungakhalebe woyenerera kaamba ka ngongole zobwezedwa zonga ngati Ndalama Zobwezedwa Zokhalako za Msonkha (EITC) kapena Chilolezo cha Ana, ngakhale ngati muli ndi ndalama zochepa.
  • Kunyalanyaza ndalama za boma zachindunji – maboma ena amapereka ndalama zoikizira zosungidwa kaamba ka maphunziro (m’chitsanzo, mapulani 529), zopereka za boma za kuleka ntchito, kapena zowonongedwa za mankhwala pamwamba pa masuti a boma. Ongorolani webusaiti ya boma yanu ya msonkho.

Pamene Ayenera Kuzenga Msonkho

Ngakhale kuti anthu ambiri okhoma misonkho angakwanitse kubwezera zinthu paokha, nthawi zambiri zinthu zovuta zimapindula ndi malangizo a akatswiri odziwa bwino ntchitoyi.

  • Ali ndi bizinesi kapena ali ndi ntchito yodzigwirira yolembedwa ndi ndalama zambiri ndi zowonongedwa
  • Muzikhala ndi ndalama zambiri, kuphatikizapo zinthu zobwereka lendi kapena zoikizira ndalama
  • Akusudzulana, ali ndi chuma chachilendo, kapena akulandira choloŵa
  • Amapimidwa kapena kulandira kalata kuchokera ku IRS
  • Mukufuna kukonza zoti mukadzapereke msonkho, osati kungolemba ndalama zimene mudzapereke chaka chino

Msonkho wa katswiri wa msonkhowo suli wokhoza kugulitsidwa monga ndalama zoponderezedwa mosiyanasiyana kwa okhoma msonkho ena (ngati muika zinthu ndi kukwaniritsa mabanki). Ndalamazo kaŵirikaŵiri zimaposa mtengo wa ndalama ndi ngongole zimene amavumbula.

Kumaliza

Kuchepetsa ndalama zanu za msonkho kumafuna chidziŵitso, kulinganiza, ndi kulinganiza. Choyamba zindikirani kusiyana kwa zochepetsedwa zoyenerera ndi zinthu zoikizidwa, ndi kupenda njira imene imagwira bwino ntchito pa mkhalidwe wanu wa zachuma chaka chilichonse. Kuchepetsa ndalama zanu za AGI , ndipo musanyalanyaze zolemba ngati muli ndi ntchito yanuyanu. Mukatsatira njira zimenezi, mukhoza kukhala ndi ndalama zanu zolimbika ndi nthaŵi ya msonkho ndi chidaliro.

Kaamba ka malire a posachedwapa ndi malamulo oikizidwa, tumizani nthaŵi zonse pa webusaiti yalamulo [[FLT: 0] kapena funsirani kwa wopereka msonkho wovomerezeka.