Kodi N’chiyani Chili Msonkho Ndiponso N’chifukwa Chiyani N’chofunika?

Malipiro a msonkho ndi imodzi mwa njira zopindulitsa kwambiri zoyendetsera msonkho wanu. Komabe, kupempha ndalama zoyendetsera msonkho kunu ndi kuchepetsa malipiro anu oyenera kukhoma msonkho. Muyenera kuchepetsa ndalama zimene mumalandira, mukhale ndi ngongole yochepa, kapena mukhale ndi ndalama zochepa zokwerera ndalama zimene mungafunikire kupereka.

Special Deduction v.

Munthu aliyense amene wapereka msonkho ayenera kusankha yekha: kulipira ndalama zimene wachepetsa kapena kuchepetsa ndalama zimene wapereka.

Kumasulira Koyenera

Ndalama zimene mungafunikire kulipira ndizo ndalama zimene mungathe kulipira kuti muthe kulipira msonkho.

  • Macheke amodzi: $1,600
  • Kugwirizana:[[FLT] $2,200]
  • Head wa m'nyumba: $2,900
  • Kuikidwa pambali: $1,600
  • Kuwonjezera kwa okhoma msonkho 65+ kapena akhungu: $1,550 (wokha/ mutu wa banja) kapena K150 (wokwatira)

Anthu ambiri okhoma misonkho amapeza kuti ndalama zochepetsedwazo n’zosavuta, makamaka ngati ndalama zonse zimene angafunikire kugula zikutsika ndi ndalama zimene angafunikire kulipira.

Madesiki Opangidwa Monkitsa (Screasure A)

Kupereka kumatanthauza kundandalika ndalama zenizeni zovomerezeka pa Study A [[FT:1]. Zochepetsedwa zofala zimaphatikizapo chiwongola dzanja cha nyumba, boma ndi msonkho wakwanuko (SALT), zowonongedwa za mankhwala ndi mano, zopereka zothandizira anthu, ndi zotayidwa ndi zowonongeka. Muyenera kulinganiza kokha ngati ndalama zanu zonse zoikizidwa zikuposa mtengo wanu woyenerera. Musaiwale kuti zoikizidwa za zinthu zina zoikizidwa zili ndi maketi kapena zigawo zina, kuŵerengera kosamala nkofunika.

Kulongosoledwa kwa Msonkho Wachisawawa

Pansipa pali ndalama zochepetsera ndalama zimene anthu amatchula kaŵirikaŵiri, limodzi ndi malamulo aakulu ndi kuletsa wopereka msonkho aliyense ayenera kudziŵa.

Kuwononga Ndalama ndi Mano

Mukhoza kuchotsa ndalama zothandizira anthu odwala matenda a mano ndi mankhwala owonjezera amene amaposa 7.5% ya malipiro anu osinthasintha (AGI). Zowonongedwa zothekera zimaphatikizapo kulipirira madokotala, akatswiri, malo a chipatala, mankhwala a dokotala, mankhwala a mano, chisamaliro cha mano, ndi mautumiki ena anthaŵi yaitali. Kuyenda pachipatala (mphingo wa kuchipatala, kulemera kwa mlingo wa mankhwala) kukhozanso kukhala koyenera.

2. Boma ndi Misonkho ya M’dzikolo (Msonkho)

Mungachotseko msonkho wa ndalama zimene mumapeza ndi ndalama zimene mumapeza, malonda, ndi katundu kumalipiro ophatikizapo $10,000 ($5,000 ngati muli mu ukwati wosiyana). Kapu imeneyi imagwira ntchito mosasamala kanthu za malo a kuikitsa. Mungasankhe kuchotsapo misonkho ya ndalama zimene mumalandira kapena misonkho ya boma, koma osati zonse ziŵiri. Msonkho wa katundu pa malo enieni amene muli amaphatikizidwanso pansi pa mtengo wa SALT. [[FL:] Mfundo yaposachedwapa: Mtengo wa $10] Unyinjidwa ndi Acts Cuts ndi Jobs Acts of 201717, ndipo yotsala kwa 2017.

3. Chikondwerero Chosangalatsa

Chiwongola dzanja cholipidwa pa ngongole yogulira, kumanga, kapena kuwongolera nyumba yanu yaikulu kapena nyumba yachiŵiri n’zosatheka, zoikizidwa. Zopereka zochotsedwa pa December 15, 2017, mukhoza kuchotsa chiwongola dzanja pa $7500,000 ya ndalama zokhaliramo zoyenerera zokhalamo padera. Malo okongola a ngongole a ngongolezo amachepetsedwanso pa moyo wa kampaniyo. Onani kuti nyumba yokongolayo ikhoza kugulitsidwa ndalama ngati ngongoleyo yagwiridwa kuwongolera kwambiri katundu.

Zopereka Zothandiza Anthu

Zopereka zoperekedwa ku mabungwe oyenerera n’zosatheka ngati mutumiza. Muyenera kulemba chivomerezo cha ndalama zilizonse zoyendetsera ndalama zokwana madola 250 kapena kuposa. Pa zopereka, sungani mapepala kapena faifiti. Zopereka zosakhala za akhash, mumafunikira lisiti ndipo, kaamba ka zinthu zopitirira $500, muyenera kukwaniritsa FORM 873 [1]. Ndalamazo zimakwanira 60% ya AGI ya zopereka zanu za ndalama ku mabanki (50% a katundu). Kupitirirabe

Kuchotsa Ofesi Yapanyumba

Ngati mugwiritsira ntchito mbali ya nyumba yanu mokhazikika ndi mokha kaamba ka bizinesi, mungayenerere kaamba ka ndalama za ofesi yapanyumba . Kuchepetsa kumeneku kulipo kwa anthu olembedwa ntchito ndi omanga nyumba odzidalira koma kaŵirikaŵiri osati kwa antchito. Njira ziŵiri zilipo: njira yosavuta (kuchepetsa ndalama zokwana madola 5 pamiyendo italitaliyo, kufika ku mahekitala 100 = $1,500) ndi njira yanthaŵi zonse (zowonongedwa monga chiwongola dzanja, inshuwalansi, inshuwalansi, ndi kukonza). Njirayo iyenera kukhala malo anu aakulu a bizinesi kapena kumene mumakumana ndi makasitomala. [[FLT: 0] Kusintha kwa makwerero: [FLT:] Kukwera kwa ndalama za ofesi yapanyumba kungawonjezere ngozi, motero kusungidwa kwabwino kwa zolemba.

Kufuna Maphunziro Ndiponso Kusangalatsa Wophunzira

Malo angapo oikizira maphunziro ogwirizana ndi mangawa ndi ngongole alipo. Ndalama zokongola za chiwongola dzanja zimakulolani kuchotsa ndalama zokwana madola 2,500 pa ngongole za ophunzira oyeneretsedwa, ngakhale ngati simulemba ndalama. Magawo a maphunziro apamwamba. Mapindu ena a maphunziro amaphatikizapo Centimedition Crve [[FFF:3] [$3] [$2] [$2]] [$2] pa wokhoza kukongola [$2] [$2] pa woyenelela) ndi masinthidwe a maphunziro [[FLT:] [FLD] (kukwera $2,000] [kubweranso kwa $2,000]. Kubweza ndi ndalama zopimirapo zopindulira pambuyo pa 2020. Kusintha kwa mapangano aposachedwapa.

7. Zopereka Zopuma Pantchito

Zopereka ku ma IRA, 401 (k), SEP IRA, ndi makonzedwe ena oyenerera a kupuma pantchito zingachepetse malipiro anu oyenera msonkho. Kwa 2024, mungapereke ndalama zokwana $2,000 ku IRA yamwambo ($8,000 ngati ali ndi zaka 50+). Kulephera kwa zopereka za IRA kuchepa ngati inu kapena mnzanu wamuukwati wachotsedwa ntchito ndi ndalama zanu zikupitirira malire ena. Mofananamo, zopereka ku bungwe la za za za zaumoyo (HaSA) n’zolandira msonkho ndipo zingakhale njira yabwino yosungira ndalama za mankhwala.

8. Kuwononga Ndalama Zodzifunira

Ngati muli ndi ntchito zanu, mungachotse ndalama zambiri za bizinesi, kuphatikizapo ndalama za inshuwalansi ya zamankhwala, zopereka za kupuma pantchito, zowonongedwa za pa ofesi, zowonongedwa za galimoto (makilomita kapena ndalama zenizeni), zopereka, ulendo, ndi mautumiki aukatswiri. Tsimikizirani kusiyanitsa ndalama zaumwini ndi za bizinesi. Ndalama zopindulitsa zamalonda (QBI) zoyendetsera ndalama za malonda [ (UPUNIT 199A)) zingakuloleninso kuchotsani kufika pa 20% ya ndalama zanu zoyenerera za bizinesi, zokhala ndi malire. Kukwera mtengo kumeneku kumatengedwa pambuyo pa kugamulidwa AGI.

Kusamalira Mwana ndi Kum’patsa Chilango Chodalirika

Ngakhale kuti chilolezo cha ngongole si chiwongola dzanja, Child ndi Defent Care Creat Creen ingachepetse ndalama zanu za msonkho wa ndalama za devorala. Chikuphatikizapo ndalama zolipirira ana osakwana zaka 13 kapena odalira osakhoza kudzisamalira okha, kukulolani kugwira ntchito kapena kufunafuna ntchito. Kwa 2024, ngongole ingakhale 35% ya ndalama zoyenerera (zokwanira $3,000 kwa munthu mmodzi kapena $6,000 pa ma ndandanda aŵiri kapena kuposapo), ndi ma ndandanda a malipiro osinthanitsa ndalama.

10. Mabodza Ena Odziŵika

  • Alimony yomwe inalipidwa: Okhoza kuvomerezana ndi mapangano a chisudzulo operekedwa 2019 (osathekanso kuvomereza mapangano atsopano).
  • Kutaikiridwa ndi kuba: Kungotayika kokha ngati kuchokera ku chigawo cholengezedwa kukhala tsoka, ndi unyinji woposa 10% ya AGI.
  • Kulephera kutchova juga: N’kotheka kungofikira pa mlingo wa kupambana kutchova juga, ndipo kuyenera kuikidwamo.
  • Health Savings akhawunti (HSA) zopereka: N’zosatheka ngakhale ngati simulemba, kufikira malire a chaka ndi chaka.

Msonkho Aliyense Ayenera Kukwaniritsa Udindo Wake

Bungwe la IRS limayembekezera kuti anthu okhoma misonkho ayenera kukhala oona mtima, osamala ndiponso oyenera kupatsidwa panthawi yake.

Sungani Mbiri Yolondola

Muyenera kusunga zikalata za ndalama zimene mwalemba. Izi zimaphatikizapo malisiti, mapepala a kubanki, mainfoice, macheke, ndi zolembedwa zovomereza zopereka zothandizira anthu. Lamulo lachisawawa ndi kusunga mapepala kwa zaka zitatu kuchokera pa deti limene munasunga kubwerera kwanu, ngakhale kuti mikhalidwe ina imafunikira zaka zisanu ndi chimodzi kuti mulembe ndalama zochepa kwambiri. Popanda zolembedwa bwino, IRS ingathe kuchotsa ndalama ndi kukhazikitsa chilango.

Chindikirani Zofunika Zosagonja

Si ndalama zonse zimene munthu amayenera kugwiritsa ntchito. Mwachitsanzo, ndalama zogulira zinthu sizingawonongeke. Ziyeso zilizonse zili ndi malamulo . Monga 7.5% AGI pa chipinda cha mankhwala kapena $100,000 SALT. Opendani mabuku a IRS kapena funsani kwa katswiri. Kusadziŵa malamulo sikuteteza; IRS ikhoza kupenda bwino ndi kukopa zinthu zolakwika zimene anena.

Chongani Kubwerera Kwanu Panthaŵi Yake

Mutu wa msonkho uli woyenerera pa April 15 chaka chotsatira (ngati sudzaloŵa pa mlungu kapena holide, ndiyeno tsiku la bizinesi lotsatira). Mafupawo alipo (For 4868) koma kungofutukula nthaŵi yoikizira, osati nthaŵi yolipirira. Ngati muli ndi ngongole, kulipira pa April 15 kuti mupeŵe chiwongola dzanja ndi chilango. Kulephera kupanga faelo kungatulutse 5% pa mwezi chilango, kufika 25%.

Mukanene Molondola za Anthu Onse

Muyenera kuphatikizapo ndalama zonse zochokera ku magwero alionse .W-2 homu, homu ya homu, ndalama zoikizira ndalama, ndalama zochitira lendi, ndipo ngakhale kumbali zonga galu akuyenda. IRS imalandira makope a zikalata zambiri za ndalama (W-2, 1099) ndi kutsata zotsatiridwa ndi kubwerera kwanu. Kulengeza pansi pa pepala kungadzutse kuŵerengera, ndipo ngati IRS yapeza njira, mungayang'ane ndi chilango cha kunyalanyaza kapena chinyengo.

Musasiye Kudziwa Zokhudza Lamulo la Msonkho

Malamulo a msonkho asintha. Mwachitsanzo, Chikalata cha Tchalo ndi cha Jobs Chile chinachotsa kusakhoma ndi kusintha malamulo ambiri. Lamulo laposachedwapa monga Secure Act 2.0 linakhudza malamulo a zopereka za pa ntchito. Tsatirani [[FL:0] . .IS SOUS project [ kapena kulembetsa ku manyuzipepala a msonkho kuti mupeŵe kusintha kosoŵa kumene kungakhudze ndalama zanu.

Ganizirani Ntchito ndi Katswiri wa Nkhokwe

Pulogalamu yokonza misonkho imagwira bwino ntchito ngati mukuona kuti ntchito yolembedwa mwaluso, malo obwereka ndalama, kuikizira ndalama, kugulitsa ndalama zambiri panyumba . N’zotheka kugwiritsa ntchito ndalama zimene mungafunikire kugwiritsa ntchito. Nthawi zambiri ndalamazo zimachotsedwa ngati ndalama zimene anthu amalandira pa ntchito zawo (koma zindikirani kuti ndalama zimene apeza zawonongeka ndi zimene alembazo zikusungidwa kuti zikubwezereni pa 2025).

Zoyesayesa za Kukulitsa Zopereka Zanu Zopereka Chisamaliro

Kulinganiza msonkho mwaluso sikungondandalika ndalama.

Muzigwiritsa Ntchito Majeremusi

Ngati ndalama zimene mwaikapo zili pafupi ndi mtengo wa thireyiti, ganizirani "zowonongedwa zotayika pachaka chimodzi. Mwachitsanzo, pangani ndalama zothandizira anthu osoŵa zaka ziwiri kapena ndandanda ya mankhwala osankhidwa chaka chimodzi. Mukatero, tumizani ndalama zochepetsedwa chaka chotsatira. Njira imeneyi ingakuthandizeni kuwonjezera ndalama zimene mumawononga zaka ziwiri zokha pamene mukusonkhanitsa, kuwonjezera ndalama zimene mumasunga pa ndalama zimene mukusunga zaka ziwiri.

Gwiritsirani Ntchito Nkhani za Msonkho

Zopereka ku HS Monga, ma IRA, ndi 401(k) amachepetsa ndalama zanu zokhomedwa mwachindunji. Ngakhale ngati simulemba, maakaunti ameneŵa amapereka ndalama za msonkho. Kwa 2024, HSA ndalama zoperekera ndizo $4,150 pa munthu mmodzi ndi $8,300 kwa mabanja, ndipo ngati nzotheka, mukhoza kuwonjezera $200 yogwira anthu 55+.

Khalani ndi Kachipangizo Kothandiza

Ngati mugwiritsa ntchito galimoto yanu pa bizinesi, kukumana ndi madokotala, kapena ntchito yothandiza anthu, siteshoni ya IRS pa 2024 ndi: Masenti 67 pa kilomita imodzi yogwiritsira ntchito ntchito ntchito ya zachipatala, 21 senti pothandiza anthu, ndi 14 pa ntchito yothandiza anthu.

Kambiranani Zoti Muwamane ndi Kuyerekezera Kulipira

Masukulu amayambukira msonkho wanu, komanso mufunikiranso kutsimikizira kuti mukulipira zokwanira chaka chonse. Gwiritsani ntchito MTCHOLO CHA MTENGO WOTILA [1] kusintha W-4 yanu kapena kupanga ndalama zoyerekezeredwa pa kamodzi ngati muli wolembedwa ntchito. Kulipira kungatulutse chilango ngakhale ngati mufuna ndalama zambiri zoikizira pa pepala.

Zolakwa Zofala Zoyenera Kupeŵa

Ngakhale okhometsa misonkho osungidwa bwino angaphophonye.

  • Kuchepetsa ndalama zimene simukuyenerera: Mwachitsanzo, ndalama zoikizidwa pa ofesi ya panyumba zimafuna kugwiritsiridwa ntchito nthaŵi zonse ndi yokha, / /' chipinda chotsala chimene nthaŵi zina sichikuyenerera.
  • Kuiwala kuphatikiza ndalama: Ngakhale ndalama zochepa kuchokera ku ntchito zapambali ziyenera kusimbidwa. IRS ikhoza kuona zosagwirizana.
  • Kufukula zolakwa kapena mapepala osoŵeka: IRS ingapemphe chitsimikiziro; popanda icho, zopimira sizingavomerezeke.
  • Osayerekezera ma vs apadera. Yolembedwa: Opereka msonkho ena amalemba okha popanda kuyang'ana ngati desiki lotsatiridwa lapamwamba. Gwiritsani manambala onse aŵiri.
  • Zotsatira za boma za msonkho: Maboma ena amalola kuchepetsa malamulo a boma, kapena kusiyanitsa. Onani malamulo a boma lanu a msonkho.

Kumaliza

Ndalama za msonkho ndi zamphamvu kwambiri pochepetsa msonkho wanu, koma zimabwera ndi udindo wopereka lipoti lolondola ndi kukonza kampani. Mwakuzindikira kusiyana kwa ndalama zimene mwawononga ndi kukonza zinthu, kudziŵa ndalama zimene zilipo, ndi kukhalabe wolinganiza, mungachepetse misonkho yanu mwalamulo pamene mukukhala kumbali yamanja ya lamulo. Malamulo a msonkho amasintha kaŵirikaŵiri, choncho funsani ndalama za IRS kapena katswiri waluso chaka chilichonse. Kutenga nthaŵi yanu kulinganiza ndalama zimene mungathe kugwiritsa ntchito masiku ano kungakutsogolereni ku ndalama zofunika pa nthaŵi yosunga ndalama.