Kunzwisisa Mitoro Yako Yemitero Somusununguri

Kusununguka kunopa kusununguka nokuzvimirira, asi kunoitikawo nemitero yakasiyana yemitero. Somunhu anozvishandira, unowanzodikanirwa kushuma mari yose inowanwa kubasa rakasununguka, pasinei zvapo nokuti unogamuchira Chimiro 1099-NEC kana kuti kwete. IRS inokarira kuti ubhadhare mutero wemari yose iri miviri yemari inotambirwa pamutero wemari uye webasa rako umene. Inofukidza Social Security neMedicaras mipiro iyo mushandirwi angagona kubata kazhinji kazhinji. Kusafanana nomushandirwi W - 2, une mutoro wemitero yakazara wemabhadharo pamambure.

Zvinhu zvinokosha zvatinofanira kuita zvinosanganisira:

  • Kushuma mari yose yaunowana, kubatanidza mari yemari nemitengo (Paijal, Venmo, zvichingodaro).
  • Chirongwa cheFiling C (kana kuti Purogiramu C-EZ kana zvakakodzera) parutivi peMaiti 1040
  • Kubhadhara mutero wokuzvishandira uchishandisa purogiramu
  • Kuita [[FT:0] mitero inofungidzirwa padzimbahwe kana uchikarira kuva nechikwereti chinenge $6 000 mumitero
  • Kuchengeta mabhuku nezvinyorwa zvakarurama kwaanenge makore matatu

Kukundikana kuita misengwa iyi kunogona kuguma nezvirango, fariro, uye kunzvera kunobvira. Vabhadhari vazhinji vanoshamiswa kuti kunyange rutivi ruduku runonyandura izvi zvinodikanwa. IRS inogovera nhungamiro ine udzame mu Translation 334: Commentasur for Small Business.

Kusarudza Mitero Yakakodzera

Kushandisa mafomu akarurama kunokosha kuti usakanganisa uye kuti usanyanyoderedza mari yako.

Chivako 1040

Iyi idzodzo yedzorerwo yemari inotambirwa yavose vanobhadhara. Inobatira senzvimbo yokushuma mari yako yose inotapurwa pashure pegadziridzo nedzinobviswa. Kana uchizvishandira iwe umene, uchabatanidza marusando okuwedzera.

Purogiramu C (Kuwana Kana Kuti Kurasikirwa Nebhizimisi)

Ndiko kwaunoshuma mari yako yebhizimisi yaunotambira mari isingabhadharwi neyaunotapukira. Minda mikuru inobatanidza marisiti akakura, ndyiko dzezvinhu zvinotengeswa (kana zvichibvira), uye ndyiko dzebhizimisiwo zvadzo. Shemey C inoverenga mhindu yako, inoyerera kuForm 1040 uye inosarudzawo hwaro hwako umene hwemitero yebasa.

  • Mutsetse 1 - Masimba makuru mari inobva mumanyuko ose akasununguka (inobatanidza zvimiro 1099-NEC uye 1099-K)
  • [ Mutsetse 8 – Kushambadza nokusimudzirwa
  • Mutsetse 18 [ – Ndyiko dzeHofisi
  • Mutsetse 30 – kushandiswa kweBhizimisi kwomusha (kana kwakakodzera)
  • Mirairo 48 - Kukwana kwendyiko, inobviswa kubva kwakakomba kusvika kuwana mhindu yemambure

Saroma SE (Mutero Wokuzvifunga)

Shandisa rudungwe urwu kuyera chikwereti chako chomutero webasa. Mutero i15.3% pamambure anotambira mari inosvikira panyuko yeSocial Security (ya2025, $176 100) uye 2,9% pamambure ose pamusoro pemari yeMedicare. Rimwezve Medicare surcus ingakumbira vawani vakakwirira.

Gadzirira 1040-ES (Mitero Yakasimba Nokuda Kwavanhu Vamwe navamwe)

Kana uchitarisira kuva nechikwereti che $6 000 kana kupfuura mumitero, unofanira kubhadhara zvitsauko zvina zvezvitsauko.

Freelances neanopfuura bhizimisi rimwe kana kuti anoshanda seLLC angadawo kunyora nyora Form 1065 kana Fm 1120-S, asi nokuda kwezvikamu zvitatu zviri pamusoro apa zvakaringana. [[FLT:]

Kusimbisa Zvikamu Zvevanhu Vamwe Nevamwe

Mishonga ndiyo chishandiso chako chine simba zvikurusa chokuderedza mari inobhadharwa. Vavhozheri vanowanzofuratira ndyiko dzapamutemo. Pasi apa pane kuputsika kwakakwana kwezvinozivikanwa navose(/napane dzimwe nguva kusinganyanyi kuoneka zvikuru).

Kugadzirwa Kwehofisi Yepamusha

Kana ukashandisa chikamu chomusha wako chose chose uye nguva dzose nokuda kwebhizimisi, unogona kubvisa ndyiko dzemari dzakadai semubereko wemba, rendi, mishonga inoshandiswa pakugadzira zvinhu, inoshandiswa pakombiyuta, uye mitoo miviri yokugadzira.

  • Nzira yakawedzerwa: $5 pamativi mana enzvimbo yehofisi, kusvika ku3 300 mativi mana (ukuru hwuri $1 500).
  • Mutoo wapanguva dzose: Ndyiko dzakawedzerwa nechikamu chikuru chepamusha paunoshandiswa nokuda kwebhizimisi. Ikoku kunogona kupa mari yakakurisa kana une ndyiko dzapamusha dzakakwirira.

Rambai muchiyeuka: Nzvimbo inofanira kuva nzvimbo yenyu huru yebhizimisi uye inofanira kushandiswa chose chose nokuda kwebasa. Hofisi yapamusha yakazvitsaurira inokwanirisa; tafura yomukicheni kazhinji kazhinji haisati ichizotongogona kubvumikisa kuva inoshandiswa yakakwana.

Kufamba Kwebhizimisi Nezvokudya

Ndyiko dzokufamba dzinoitwa bedzi nokuda kwebhizimisi hadzibhadharwi. Ikoku kunobatanidza mari yendege, hotera, motokari dzokurenda, uye 50% yezvokudya zvebhizimisi (kana usingafambi usiku uye zvokudya zvinotengwa muresitorendi) (pane nguva iyoyo 100% zvingava zvisingabhadharwi nemitemo yeIRS yechinguvana kusvikira ku 2025). Nguva dzose chengeta mapepa necherekedzo dzebhizimisi.

Zvinhu Zvatinoshandisa Nezvipo

Unogona kubvisa kombiyuta (makombiyuta, makamera, dhinda), kunyoresa purogiramu yesoftware, migove yehofisi, uye mabhiri ebhizimisi ane chokuita nefoni. Kutenga midziyo mikuru kungada kuva [ yakapfuudzwa [ mumakore anoverengeka kutoti usati ukashandisa Chikamu 179 expending, chinokubvumira kubvisa mutengo wakazara mugore rokutenga (pachinogumira). Nokuda kwa2025, Chikamu 179 muganhu i $1,220 000.

Mishonga Yeinishuwarenzi Youtano

Vanhu vanoshanda vamene vanogona kubvisa [[FLT: 0] 100% yemitero yeinishuwarenzi youtano nokuda kwavo vamene, vakwanyina vavo, uye vanotsamira pamunhu. Uku kuderera kunotorwa paPhemily 1 yeForm 1040 uye hakudi kunyorwa. Zvisinei, haugoni kubvisa mari kana uchifanirwa newaunoshandira akaderera kupfurikidza nebasa romukwanyina.

Mipiro Yokurega Basa

Mipiro kuSEP IRAS, SIMPLE IRAS, kana kuti 401(k) haibhadharwi. Nokuda kwa2025, SEP IRA inokwidza 25% yemari inowanwa yokuzvishandira yoga yemambure, yakatakurwa pa $70 000. Solo 401(k) mipiro inogona kutokwira kana ukaita zvose zviri zviviri mipiro yemari yebasa newaunoshandira.

Dzimwe Ndyiko Dzisingabhadharwi

  • [ Inishuwarenzi yebhizimisi (isingachinji, inosakafanira)
  • Mabasa okuronga (kuverenga, kuchengetesa mabhuku, pamutemo)
  • Kuratidzira nokushambadza (kushambadza kwokuwedzera, kushambadza kwesocial media network, makadhi ebhizimisi)
  • [ Kudzidzisa nokurovedza (makoundi, macenkce, mabhuku ane chokuita zvakananga nounyanzvi hwako hwerusununguko)
  • [ Mitengo yebhizimisi nemubereko pamaakaundi ebhizimisi kana kuti makadhi echikwereti anoshandiswa bedzi nokuda kwebhizimisi
  • Ndyiko dzevejeki – zvimwe mwero wemaira wetsika ($0.70 pakiromita mu2025) kana kuti mutoo chaiwoiwo wendyiko

Yeuka: Munogona bedzi kubvisa ndyiko dziri zvamaroro uye zviri madikanwa [[FT:1] nokuda kwebasa renyu kana kuti bhizimisi. IS trappolation 535 inogovera nhungamiro huru pakutengwa kwebhizimisi.

Kuchengeta Mashoko Akarurama: Kudzivirira Kwakanakisisa Kwemunhu Akasununguka

Kunyora zvakanaka hakungochengetedzi mari panguva yomutero bedzi asiwo kunokudzivirirawo muchinoitika chekunzvera. IRS inorumbidza kuchengeta mapepa anenge makore matatu kubva pamusi waunonyora kudzoka kwako (kana kuti makore maviri kubva apo unobhadhara mutero, upi kana upi wapashure). Nokuda kwezvinhu zvakafanana nemitero, chengeta mapepa kusvikira nguva yokuderera kwegore inopera pamwe chete namakore matatu.

Chokuronda

  • Mari yose yaitambirwa (inivhoti, masheki ebhangi, zvitatisiti zvemichina yokubhadharisa)
  • Ndyiko dzebhizimisi (mari yechikwereti, zvitatiso zvemakadhi echikwereti, macheki akabviswa)
  • Matanda (kusanganisira musi, chinangwa, kutanga/kunyora maapurofiti)
  • Kuyera hofisi yepamusha uye mari yezvishandiso
  • Makopi edzose dzemitero nepurogiramu dzinotsigira

Zvishandiso Zvokurerutsa Kunyora

Kushandisa purogiramu yekunyora yakadai seScourt Books Self-Employd, Fresh Books, kana kuti Wave (mafashoni) inogona kutora mari yakarongwa nendyiko. Maapps akawanda anokuita kuti utore mapikicha oaisa mumigodhi. Nokuda kwemaira, maapu akaita seMileIQ kana kuti Stride Teach inoisa kombiyuta yako. Murwi weClarepy (Google Drive, Fockbox) unobetsera kuchengeta mapiki akarongwa namashoko.

Kuparadzana uku kunoita kuti zvive nyore kunyora mari yaunoda uye kunosimbisa mari yaunobhadhara papepa rekuongorora bhizimisi.

Kunzwisisa Kwakakarakadza Mitero: Nguva Yakawanda uye Yakadini

Nemhaka yokuti vabhadhari havana kunyimwa mitero, IRS inoda kuti ubhadhare mari yako yemitero kusvikira pamitero inofungidzirwa kuva mitongo miduku.Mitero inowanzova musi waApril 15, June 15, uye 15 January wegore rinotevera. Kana mari inobhadharwa ichibviswa pakupera kwevhiki kana kuti pazororo, inoenda kuzuva rinotevera rebhizimisi.

Nzira Yokuverenga Nayo Mari Inofungidzirwa

Shandisa Mafomu 1040-ES, anosanganisira fomu rokuyera mutero wako wegore negore. Uchada kugadzira mari yako yaunobhadhara usingabhadhari, mari inobhadharwa, zvikwereti, uye mitero yokuzvishandira. Vatengi vakawanda vanoshandisa “chiteshi chengarava chakakotsekana”: muripi wemari yomutero yaunotambira gore rapfuura (1010% kana mari yako yakagadziridzwa yaipfuura $150 000).

Kana kuti, unogona kuronga mari yako yegore negore chikamu chimwe nechimwe chezvina, uchibhadhara maererano nemari yako chaiyo kusvika panguva yaunoriwana. Izvi zvinobatsira vanhu vanosununguka vane mari yakasiyana - siyana.

Unogona kubhadhara mitero inofungidzirwa paIRS Directive Pay, Electronic Federal Tax Peasurence System (EFTPS), kana kuti nokutumira cheki neForm 1040-ESC. Hurumende inofungidzirwa kuti ingadawo kubhadharwa kwemari yaunobhadharwa.

Vasingawanzoiti Zvikanganiso Vanozviita (uye Nzira Yokuzvidzivisa Nayo)

Kunyange mabudire ane ruzivo rwokuzviwanira anoderera. Hezvino zvipingamupinyi zvapamusoro uye nzira yokudzivisa nayo:

  • Pasi pokushuma mari inogamuchirwa: IRS inogamuchira makopi ezvimiro zvose 1099 nezvimiro 1099-K. Kutora mari kubva kuvatengi vaduku kana kuti mabasa emari kunogona kunyandura kubhadharwa kwemari. Nguva dzose shuma mari iri yose inowanwa.
  • [[FLT: 0] Kuisa mari yomunhu oga neBusiness: Ikoku kunoita kuti zvinyorwa zvisatsakatike ndokusimudza mireza mitsvuku. Chengeta maakaundi akaparadzana uye usabhadhara ndyiko dzako dzomunhu oga kubva kuakaundi yebhizimisi.
  • Misting Expiming Openly Deadlines: Kunyange kana une chikwereti chishoma, kurasikirwa nenguva yokubhadharwa kunogona kuguma nechirango cha 0.5% pamwedzi usingabhadharwi. Gadza zviyeuchidzo zvekarenda.
  • Kutarira Hofisi yeHome Dhusha: Vazvibhadhari vazhinji vanodzivisa kuikumbira nemhaka yokuti vanotya kuongororwa. Kana uchikwanirisa, ideredzero rapamutemo. Ingova nechokwadi chokuti unosangana nomuedzo wakakwana.
  • Kufara Nemhaka yokuti Hamugoni Kubhadhara: Chirango chokunonoka (5% pamwedzi) chakatoipa zvikuru kupfuura chirango cheripo rapashure (0,5% pamwedzi). Nguva dzose nyora pasi nenguva, kunyange kana musingagoni kuripa rakazara. Ipapo gadza bvumirano yechikamu neIRS.
  • [ Kushora Hurumende neMitero yomunzvimbomo: Nyika zhinji dzine mutero wadzo umene wemari inotambirwa, mutero wakakomba, kana kuti mitero yakakomba. Mamwe maguta anowanawo mitero pamari yebhizimisi. Nzvera zvinodikanwa zvenyika pakuvamba.

Zvikwereti Zvemitero Zvinobatsira Vane Mhosva

Nepo mari inoderedzwa inoderedza mari inobhadharwa mutero, zvikwereti zvinoderedza mari yako yemari yemutero nokuda kwedhora rebholar. Vavhotera vangakwanirisa nokuda kweiyi chikwereti chinokosha:

  • [ Chikwereti chemari inobhadharwa (ETC):[[FT:1] Kuvashandi vakaderera navanotambira mari ine mwero, kubatanidza vanhu vanozvishandira. Rubatso runogona kuva runobhadharwa, kureva kuti ungagona kugamuchira mari inobhadharwa kunyange kana usina mutero. Kutaura kuti EITC, unofanira kuva wakawana mari kubva mukuzvishandira umene napafaundi C.
  • [[FLT: 0] Mwana ne Chester Chare Cres: Kana ukabhadhara nokuda kwokutarisirwa kwavana kana kuti kutarisira akaremara anotsamira pakushanda kwako, ungapa 35% yendyiko dzinokwaniriswa (max $3 000 nokuda kwomwana mumwe, $6 000 nokuda kwevaviri kana kuti kupfuura).
  • Kuchengetesa Kupa Mupiro Credit Credit (Credit’s Lavener): Kana ukapa kuakaundi yokurega basa (SEPRA, Solo 401(k), ungawana mbiri ye 50% yomupiro wako (wakaiswa pa $2 000 nokuda kwemapepa akanyoresa akanyoresa). Mitengo inogamuchirwa inoshanda.
  • [ Chikwereti chePursecuregie Trust (HCTC): Yakaganhurirwa kuvashandi vakati vakabviswa munzvimbo dzavo, asi yakafanirwa nokunzvera kana uchisvitsa mipimo.

Kurukurirana neIRS kana kuti nyanzvi yemitero kuti uone kana uchikwanisa.

Kutarisira Muunganidzwa Wemari

Kuongorora mari kunganzwika sokunotyisa, asi kugadzirira kunoita kuti zvidzorerwe zviri pasi pe1% yemabhadharo avanhu vamwe navamwe, asi vanhu vanoshandira vane mari yakawandisa kana kuti vanorasikirwa nebhizimisi rakakura vanoongororwa pamwero wakati wandei.

Kugadzirira Kwaungaita Musangano

  • Chengeta zvinyorwa zvakarongeka kwaanenge makore matatu (makore matanhatu kana ukashuma mari shoma navanopfuura 25%)
  • Pindura nokukurumidza kutsamba dzeIRS()
  • Kokorodza marisiti ose, mapepa, mapepa ebhengi, uye matanda emakiromita
  • Funga nezvokupinza basa munhu akanyoresa kana kuti CPA ane unyanzvi hwokutengesa mutero

Vhesi zhinjisa inobatwa neposi (Matarirwo enhau) panzvimbo peinenge iri mumunhu. IRS ichakumbira mapepa kutsigira zvitsama zvakati kana kuti zvinhu zvemari inobhadharwa. Kana une zvinyorwa zvakarurama, unogona kazhinji kazhinji kupedza kunzvera pasina gadziridzo.

Nguva Yokuramba Nyanzvi Yemitero

Kunyange zvazvo vanhu vakawanda vakasununguka vachigona kubhadhara mitero yavo nepurogiramu dzekombiyuta, mamwe mamiriro ezvinhu anoda kubatsirwa nenyanzvi:

  • Mari yako kana kuti bhizimisi rakaoma (LLC, S - corp, batira pamwe)
  • Une hova dzakawanda dzinowana mari kubva kunyika dzakasiyana - siyana
  • Unoshandisa hofisi yepamusha, motokari, kana kuti kufamba zvikuru
  • Unoongororwa kana kuti unofanira kutaurirana chibvumirano chepakatemwa
  • Hausi nechokwadi nezvezvinofungidzirwa kana kuti kuderera kwegore

Mugadziri wemitero akakwaniriswa (CPA kana kuti Mumiriri akarongedzerwa) anogona kukuponesa zvikuru mumitero kupfuura mubhadharo wavo, uye vanoderedza ngozi yako yezvikanganiso. Tsvaka mumwe munhu ane ruzivo rwokuzviwanira navatengi vanoshambadza basa rake amene. ZVINOTARIKA ZVINHU] ZVINOKOSHA zvenyanzvi dzemitero [[[FLT: 1] inzvimbo yakanaka yokutanga.

mhedziso

Zvitsama zvemitero zvevabhadhari hazvifaniri kuva zvakaoma. Nokunzwisisa misengwa yako, uchishandisa mafomu akarurama, uchiita kuti mari iwedzere kuwanda, uye uchengete zvinyorwa zvokungwarira, unogona kuderedza mutoro wako womutero woramba uchiwirirana. Mano neapo nhanho yokuwedzera, dzivisa zvirango ndokukuchengeta uchitevedzerwa. Uye apo kupanikira, kupinza mari munyanzvi kunogona kubhadhara mibayiro murugare rwendangariro nemari inochengetwa. Nokuronga nokungwarira uye kuronga, unogona kuisa simba rako pakukudza bhizimisi rako rakasununguka panzvimbo pokunetseka pamusoro pomwaka wemitero.