Mukhoza kuchepetsa ndalama zimene mumalandira ndi ndalama zimene mumalipira.

Kodi N’chiyani Chiri Nkhokwe ndi Mmene Zimagwirira Ntchito?

Malipiro a msonkho amachepetsa ndalama zimene mumalandira monga msonkho. Mwachitsanzo, ngati mumalandira madola 60,000 ndi kulipira madola 100,000, mumangolipira msonkho pa $500,000. Makampani safanana ndi ngongole, zimene zimachepetsa ndalama zanu za msonkho pa ndalama za ndalama za pa K950. M’malo mwake, ndalama zochepetsera ndalama zimene mumalandira pa msonkho, zimadalira pa msonkho wanu wamalipiro.

Disiki imagwera m'magulu aŵiri aakulu: zonulirapo zapamwamba , zimene zachotsedwa ku ndalama zoikidwiratu kuti zifike pa malipiro aakulu (AGI), ndi pansi pa layini, zimene zimatengedwa pambuyo pa AGI . Pansi pa layini amagaŵanitsidwa kukwera ndi kukwera kwa zinthu. Gawo lililonse lili ndi malamulo ake, malire ake, ndi mipata yakeyake.

Komiti ya Internst Revenue Service (IRS) imapereka malangizo apamwamba pa zochepetsedwa mu Placensition 17 [, koma kuzindikira chithunzi chachikulu kumapanga tsatanetsatane kukhala wosavuta kugwiritsira ntchito.

Special Deduction v.

Mfundo Zofunika

Kachipangizo ka IRS kakhoza kuchotsa ndalama zimene mumalandira popanda kulemba zinthu zina zimene zikuwonongedwa. Kayendetsedwe ka ndalama kake ka zinthu pachaka kuti muchepetse kukwera kwa mitengo.

  • [[ML:0] modzi: $1,600
  • Kugwirizana kwa Kufunda: [[[FLT] $2,200]
  • Kuchokera ku Nyumba:[[FL:1] $2,900
  • Kugaŵanitsa: $1,600

Okhoma msonkho ambiri amagwiritsira ntchito ndalama zochepetsedwa chifukwa chakuti nzapafupi ndipo, pambuyo pa Tches Cuts and Jobs Act (TCJA) ndalama zoŵirikiza pafupifupi kaŵiri mu 2018, anthu ambiri amapeza kuti ndalama zonse zimene amawononga zimapereŵera pamtengo woyenerera. Ndalama zoikizidwazo zimaphatikizaponso ndalama zowonjezereka za okhoma misonkho za zaka 65 kapena zakhungu.

Pamene Muyenera Kugwira Nawo

Kugwiritsa ntchito ndalama zimene mwagulazo n’kofunika kwambiri pokhapokha ngati ndalama zimene mwagulazo zikuposa zimene mungathe kugula.

  • Ndalama zowonongedwa ndi mano: Mungachotse zowonongedwa zimene zimaposa 7.5% ya AGI yanu. Izi zimaphatikizapo ndalama za inshuwalansi ya thanzi (ngati simunalipidwe ndi ndalama za thaki), maulendo a dokotala, zolembera, ndi mautumiki anthaŵi yaitali.
  • Kaunti ndi misonkho yakumaloko (SALT): Munganene kuti misonkho ya malipiro kapena misonkho ya boma, kuphatikizapo misonkho ya katundu, kulingana ndi malire a $10,000 ($5,000 ngati muli pabanja).
  • Chiwongola dzanja cha kampani: Chikondwerero pa ngongole yokwana $7500,000 ya kupezera nyumba yoyamba kapena yapansi nchosafunika. Nsonga zolipidwa pa loniyo zingachotsedwenso.
  • Ndalama zoperekera zothandizira mabungwe oyeneretsedwa n’zofunika kwambiri.
  • Kutaikiridwa ndi kuba: Kokha kutayikiridwa ndi masoka olengezedwa ndi boma ndi kumene kuli kokhoza kutayika.

Zinthu zina zimene anthu amawononga ndi monga kutchova njuga (kupambana pa ndalama), kulipira antchito ena (kumene anthu ambiri amawononga mpaka 2025), ndiponso ndalama zogulira ndalama.

Kusankha

Simungatenge zonse ziŵiri zochepetsedwa ndi zoikizidwa zapadera zapadera za chaka chimodzi cha msonkho. Komabe, muli womasuka kuika zinthu m'chaka chimodzi ndi kutenga zochepetsedwa zoyenerera m'chaka china. Kusintha kumeneku kumatsegulira chitseko ku njira yotchedwa [ kutsutsa , imene yafotokozedwa pambuyo pake. Ngati muli okwatira osiyana, onse aŵiri ayenera kugwiritsira ntchito njira yofanana (zonse ziŵiri muyezo kapena zonse ziŵiri zolembedwa).

Mathithi apamwamba: Ubwino wa Kutsika kwa AGI

Masheya apamwamba pa layini ndi ofunika kwambiri chifukwa amachepetsa AGI yanu mwachindunji. AGI yaing'ono ingawonjezere kuyenerera kwanu kaamba ka mapindu ena a msonkho, monga ngati Child Treasurer, Commoned for forodors, ndi zochepetsera za zopereka za IRA. Nthano zambiri zapamwamba za layini zimakhalapo ngakhale ngati simunapatsitsa.

Zomwe zakhala zikuchepetsedwa pamwamba pa layini ndizo:

  • Zowonongedwa za ophunzitsa: Aphunzitsi ndi akatswiri ena a sukulu angachotse ndalama za m'kalasi zokwana $300 pa kampani yosagulitsidwa ($600 ngati onse aŵiri okwatirana ali aphunzitsi). Ndalama imeneyi imasintha chifukwa cha kukwera kwa mitengo kwa zinthu.
  • Chiwongola dzanja cha ophunzira: Chiwongola dzanja cholipiridwa pa ngongole za ophunzira oyeneretsedwa chingachotsedwe, kukhoza kutsanziridwa ndi ndalama zotsala.
  • Zopereka zamwambo IRA: Ngati simukukwaniritsa makonzedwe a ntchito, kapena ngati ndalama zanu za pa ntchito zikuchepera pa malire ena, zopereka ku IRA yamwambo zingachotsedwe ku $7,000 mu 2024 ($8,000 ngati muli ndi zaka 50 kapena kuposa).
  • Health Savings Akhawunti (HSA) zopereka: HSA imatayidwa kufika $4,150 kaamba ka kukwaniritsa kwa munthu ndi $8,300 kaamba ka kukambitsirana kwa banja mu 2024, ndi kugwidwa kwa $1,000 kwa awo 55+.
  • msonkho wa ntchito za kudzitama: Theka la msonkho wa ntchito zaumwini zimene mumalipira sizingakwaniritsidwe kuposa ndandanda.
  • Inshuwalansi ya zaumoyo yolembedwa ntchito: Mapikitale kwa inu nokha, mnzanu, ndi odalira pa inu ali okhoza kuchotsedwa popanda kujambula.
  • Zowonongedwa zothamangitsa: Ndizo kokha ziŵalo zankhondo zokangalika zimene zingachotse zowonongedwa; kwa ena, ndalama zimenezi zalenjedwa.
  • Alimony yolipidwa: kwa zisudzulo zomaliza 2019, malipiro a almony adakali osakhoza kuperekedwa kwa wopereka.

Mwa kuchepetsa ndalama zimene zili pamwamba pa mlingo wapamwamba, mukhoza kuchepetsa AGI yanu ndipo mukhoza kuyenerera ngongole ndi ndalama zimene mwa njira ina zimachepetsedwa pa ndalama zopezedwa.

Maluso a Malonda a Antchito Odzidalira ndi Antchito Ang’ono

Ngati muli ndi ntchito zanu kapena mukuchita bizinesi yaing'ono, ndalama zowonongedwa zopindulira nzambiri. Ndalama za malonda zimagulitsidwa pa [[FLT: 0] C (kwa oyendetsa okha ntchito) kapena pa mtundu woyenera wa msonkho. Mapeto ameneŵa amachepetsa ndalama zimene mumapeza mu malonda anu ndipo, potsatira, mumakhala ndi msonkho wa ndalama zimene mumalandira.

Zina mwa zinthu zimene zachepetsedwa pa bizinesi ndi izi:

  • Ndalama za ofesi yapanyumba: Ngati mugwiritsira ntchito mbali ya nyumba yanu yokha ndi nthaŵi zonse ku bizinesi, mukhoza kuchotsa mbali ina ya lendi, zinthu zothandizira kugula, inshuwalansi, ndi kuikonza. Njira yosavuta imeneyi imapereka ndalama zokwanira madola 5 pamiyendo iŵiri ndi makwerero 300.
  • [[FLT :0] Ndalama zowonongedwa: Mukhoza kusankha pakati pa mlingo woyenerera wa kilomita (masenti 67 pa kilomita imodzi mu 2024) kapena ndalama zenizeni (gasi, kukonza, inshuwalansi, kukwera kwa mtengo). Muyenera kugwiritsa ntchito sikelo ya ma kilomita.
  • [[MLT:0] Ziŵiya ndi zipangizo: Zopereka wamba ndi zofunika nzosapezeka. Zogulira za zida zingawonongedwe mokwanira pansi pa Chigawo 179 kapena kuchotsedwa kwa nthaŵi.
  • Ulendo ndi chakudya: Ulendo kuchokera kunyumba kukachita malonda ngwabwino kwambiri. Chakudya ndi makasitomala kaŵirikaŵiri chimakhala 50% yosapezeka.
  • Kugulitsa ndi kutsatsa: Kutayikiridwa kwa kusatsa malonda kwa pa Intaneti, zosindikiza, kutumiza malo a pawebusaiti, ndi zochitika zokwezedwa ku kampani.
  • Mautumiki a ntchito zapamtutho: Maloya, oŵerengera ndalama, alangizi, ndi akatswiri ena amalephera.
  • Inshuwalansi: ya ndalama zoikizira malonda, katundu, ndi inshuwalansi ya thanzi la antchito n’zosathandiza.
  • Desert Infice Insformed Business com (QBI): Imeneyi ndi mlingo wa pansi pa layini imene imalola kuyenerera kwa eni mabizinesi kuchotsa 20% a QBI yawo. Ili ndi malamulo ocholoŵana a m'mbali ndi malire a mabizinesi.

Kusunga zolembedwa zolondola n’kofunika pa ndalama zonse za bizinesi. IRS imafuna ndalama zogulira zinthu zopitirira $75 ndi zoyendera zonse ndi mphatso. Zida zamagetsi zonga ngati Quick Books kapena pulojekita yosavuta kugwiritsa ntchito zingakuthandizeni kugula ndalama zowonongedwa chaka chonse.

Zopereka Zothandiza Osoŵa: Malamulo ndi Chikalata

Kupereka ku mabungwe othandiza anthu osoŵa sikumangokupangitsani kusamala komanso kukupatsani ndalama za msonkho ngati mupereka zinthu. Kuti ayenerere, wolandirayo ayenera kukhala gulu loyenerera 501(c)(3). Kupereka kwa anthu, ndawala zandale, kapena mabungwe othandizira anthu achilendo sayeneretsedwa.

Malamulo ofunika kwambiri ochepetsera ndalama zothandizira anthu ovutika:

  • Zopereka zachikoka: Muyenera kukhala ndi cholembera cha ku banki kapena chivomerezo cholembedwa kuchokera ku kampani yopereka ndalama zoperekedwa ndi ndalama zokwana $50 kapena kuposa. Kuchepetsa ndalama zochepa, cheke, khadi la ngongole, kapena kulipira chopinga chokwanira.
  • [[NT.0] Zopereka za Non-cash: Zinthu zonga zovala, mipando, ndi magalimoto ziyenera kukhala zogwiritsiridwa ntchito bwino. Zopereka zoposa $500, muyenera kujambula Malo 8283. Pazinthu zoposa $5,000, kuŵerengera koyenerera kumafunikira.
  • Malire a kugaŵana: Zopereka za ndalama ku mabungwe othandizira anthu onse n’zokwanira 60% ya AGI yanu, ndipo zaka zisanu zikunyamula katundu wopitirira. Zopereka za chuma choyamikika chosungidwa kwa chaka chimodzi n’zokwanira 30% a AGI koma kupeŵa kupeza msonkho wamalikulu.
  • Zowonongedwa za nyukiliya: Kuchotsapo mtengo wa kapeti wochitidwa pamene kuli kwakuti kudzipereka (mayeso, zopereka) n’kopereŵera, koma mtengo wa nthaŵi yanu sumakhalapo.

Kuyambira mu 2023, ndalama zoyendetsera ndalama zoyendetsera ntchito pa ndalama zokwana madola 300 za anthu osapanga zinthu zina zinatha. Tsopano, kokha amene amaika zinthuzo ndi amene angachotse zopereka zothandizira anthu osoŵa. Komabe, opereka ena amagwiritsa ntchito njira zosiyanasiyana kuti awonjezere phindu lake.

Kaamba ka chitsogozo chatsatanetsatane chowonjezereka, onani [[FLT: 0] IRS Zopereka za Accers .

Zoyesayesa za Kukulitsa Msonkho Wanu

Mabotolo Otseguka

Ngati ndalama zimene mumawononga zikucheperapo ndalama zimene mumawononga chaka chimodzi. Mwachitsanzo, mungapereke ndalama zambiri zothandizira anthu ovutika, kapena ganizirani njira zothandizira anthu pachaka chomwechi. Chaka chimodzi, mumaika zinthu zina; chaka chotsatira, mungatenge ndalama zotsala.

Ntchito Zogwiritsa Ntchito Nthaŵi

Kukwera kapena kuchedwa kukwera mtengo kwa ndalama kumadalira pa kaonedwe kanu ka ndalama. Ngati muyembekezera malipiro apamwamba chaka chamaŵa, lingalirani kukakamiza zowonongedwa zopinga ku chaka chotsatira kuchepetsa msonkho wokwera kwambiri.

Zopereka Zopuma Pantchito

Kuthandiza IRA, SEP IRA, soo 401(k), kapena makonzedwe ena opuma pantchito kumachepetsa malipiro anu oyenera msonkho. Kwa 2024, ndalama za antchito 401 ndi $3,000 ($30,500) ngati ali ndi zaka 50+. Anthu odzigwirira okha ntchito angapereke 25% ya ndalama za ukonde ku SEP IRA, yokwana $6,000. Ndalama zimenezi n’zotchipa ndi zotsika ndi kuwonjezera msonkho.

Kusunga Thanzi

HS imapereka phindu la misonkho katatu: zopereka nzosafunika, kukula nkwamsonkho, ndipo zochotsa zofunikira za mankhwala nzopandanso msonkho. Mu 2024, mungapereke ndalama zokwanira $4,150 kaamba ka ndalama za munthu mmodzi kapena $8,300 kuti mupereke kwa banja. Ngati bwana wanu apereka pulani ya zaumoyo yokhoza kuperekedwa (HDP), kuwonjezera HSA yanu ndi imodzi ya njira zoyendetsera bwino kwambiri zimene zilipo.

Kugwiritsa Ntchito Ziŵalo za Banja

Ngati muli ndi bizinesi, mukhoza kulipira mwamuna kapena mkazi wanu kapena ana anu. Kulipira kwa iwo kuli ndalama zopindulira za bizinesi. Ana a zaka za pa 18 sapatsidwa msonkho wa Social Security ndi Medicare ngati bizinesiyo ili yokhayo imene makolo onse aŵiri ndiwo ali ndi mnzawo.

Zolakwa Zofala Zoyenera Kupeŵa

Ngakhale okhoma misonkho auchinyama angaphonye zinthu zimene zingachepetse ndalama zimene amalipira kapena kuchepetsa ndalama zimene amalipira.

  • [[FLT: 0] Kuyembekezera chaka chonse kudikira mpaka April kusonkhanitsa malisiti kaŵirikaŵiri kumaphonya ndalama. Gwiritsirani apulogalamu kapena chikalata chopatulidwa.
  • Kujambula ndalama zoikidwiratu pamene kujambula kungatulutse zambiri. Nthaŵi zonse jambulani zonse ziŵiri kuti muone kuti ndi wamkulu ndani.
  • Kuyang'ana pamwamba pa zonulirapo za . Anthu ambiri amaiŵala zowonongedwa za mphunzitsi, chiwongola dzanja cha ophunzira, kapena zopereka za HSA.
  • [[FLT: 0] Kugwirizana ndi mabungwe osapeza bwino. Kutsimikizira malo a gulu lopereka chithandizolo 501(c)(3) pogwiritsa ntchito MTUNDU MPHURA MPhindu Kufufuza Gulu [.
  • Kukaniza kunyamula malamulo. Kuchulukitsitsa zopereka zothandizira osoŵa, kutayikidwa kwa malipiro, ndi chiwongola dzanja zingapititsiridwe ku zaka za mtsogolo.
  • Kukonza ndalama zaumwini ndi za bizinesi. Zimenezi nzofala kwambiri pakati pa omasula. Sungani maakaunti a banki ndi makhadi a ngongole kaamba ka bizinesi yanu.
  • Kulimbanira kuzoloŵera kusintha kwakukulu kwa moyo. Ukwati, chisudzulo, ana, kapena nyumba yatsopano imakhudza njira yanu yoperekera ndalama ndi kusagwira ntchito.
  • Kudalira pa pulogalamu ya msonkho popanda kuipenda. Software ingaphonye zochepetsedwa kapena kulephera kuŵerengera malamulo a boma . bwererani pa layini yanu yobwererayo.

Kukhalabe Okonzedwanso: Lamulo la Msonkho Laposachedwapa Lisintha

Lamulo la msonkho silikuimira patali. TCJA (2017) inachita masinthidwe ambiri amene adzathe pambuyo pa 2025 pokhapokha ngati Nyumba ya Malamulo ikuwawonjezera.

  • Desikito lochepa: Idzabwerera kutsika, kukwera mtengo kwa zinthu kokonzedwa mu 2026 ngati sikunayambitsenso.
  • Kapusi ya TS: Mpata wa $100,000 pa boma ndi msonkho wakwanuko waikizidwa pambuyo pa 2025.
  • Kupatula kwaumwini: Kufikira 2025; angabwerere mu 2026.
  • Imodzi ya zopezedwa: ikuyamba kutha pambuyo pa 2025.
  • Developece ya zosakhala za intaneti: Siingafutukuke kupitirira 2022, koma ingabwerenso.

Khalanibe odziŵitsidwa mwa kupenda [[FLT: 0] Tchata Chamasiye kapena kufunsa katswiri wa misonkho. Kusintha kwa kukwera mtengo kumasinthanso ndalama zimene zimatsika chaka chilichonse, chotero pendani ziŵerengero za chaka chamakono musanachonge.

Kumaliza

Malipiro a msonkho sangokhala kusokonezeka kwa chaka; ndiwo mwaŵi wa kulinganiza chaka chimodzi. Mwakumvetsetsa kusiyana pakati pa zoikizira zoikidwiratu ndi zinthu, kugula pamwamba pa zoikizidwa za ndandanda, kuyendera ndalama za bizinesi molondola, ndi kulinganiza ndalama zanu zopitira, mungachepetse kwambiri msonkho wanu. Chofunikanso ndicho kupeŵa zolakwa zofala ndi kukhala ndi masinthidwe a malamulo a msonkho. Ngati mukonzekera kubwerera kwanu kapena kugwira ntchito ndi katswiri, chidziŵitso chanu chidzakupangitsani kukhala ndi malo olimba owonjezera ndalama zimene mufunikira.