Kuderedza mitero yako kunogona kunzwa kurema, asi mutoro mukuru nokuda kwomugari ari wose anoshanda. Kufamba kwakajeka, nhano nenhano kunoshandura basa kubva mukumhanya kupinda mumuitiro unodzokerwa. Iyi nhungamiro inogovera kufamba kwakakwana, kuvambira mukunzwisisa donzo redzorero kukupa zvimiro zvako nokuronga nokuda kwenguva yemberi. Nokuputsa rutivi rumwe norumwe, uchawana chivimbo chokubata mitero yako nomutoo wakarurama uye nomutoo unobudirira.

Chii Chiri Kudzorerwa Mutero?

Mutero igwaro rehurumende rinochengetwa nesangano rehurumende, rakadai seInternvorence Service (IRS) muUnited States, kuti unoshuma mari yako, mari inobviswa, uye mitero yegore rakati. Chimiro chinoshandiswa navanhu vazhinjisa ndi FORM [1040, iyo inotema mutero wako [icho une mungava], kana une chikwereti chemari yauri waunofanira kubhadhara. Chisakiso chikuru ndecho kudzorosa mutero nomusengwa wako chaiwoiwo unotonyiwa pahwerengedzo yako yemari yako nechikwereti kana kuti zvikwereti.

Mitero inodzosa manyuko ose emari: mubhadharo unobva kumushandirwi, mari inotambirwa kana kuti inobhadharwa, mibayiro yemari, mhindu, mhindu, kugoverwa kwomudyandigere, uye kunyange mibairo kana kuti kuwina kubhejera. Kunzwisisa kuti dola riri rose rinowanwa rinobvira rinotapura kudzoka kwako kunokosha nokuda kwokushuma kwakarurama.

Nei Kubhadharira Mutero Kuchidzoka Zvinhu

Vagari vemo vakawanda vanoona kukumbira kuva basa, asi kunounza betsero dzinokosha kupfuura kuramba vari muchinetso chapamutemo.

  • [[NHAU: 0] .Kukundikana kunyora painodikanwa kutungamirira kuzvirango, mhindu, uye kunyange chiito chapamutemo. IRS inoda kuvhura kana mari yako yakakomba inopfuura zvitsauko zvakati zvakavakirwa pamugariro wako wokuisa parusando.
  • Kupa mari yechikwereti nechikwereti: Kana mushandirwi wako akanyima mutero mukuru kupfuura waune chikwereti, nzira bedzi yokudzorera nayo mari iyoyo kunyora bhadharo. Mukuwedzera, zvikwereti zvakawanda zvemitero zvakadai seIniverse Intest Cource (ETC), Child Leach, kana kuti chikwereti chedzidzo (Ichikwereti cheChild Leach), zvinowanika bedzi kana ukaita faira.
  • Kuvaka Bhenitsi reMali: Varidzi vemo, vagari vemo, uye kunyange vamwe vashandirwi vangakumbira makopi edzorero yomutero wekare kubvumikisa mari. Ufakazi inowanzodikanwa pakukumbira nokuda kwechikwereti chemota, chikwereti chemotokari, kana kuti nzvimbo yokurenda, uye zvinogonawo kutapura fararira nokuda kweyamuro yemari yavadzidzi.
  • [ Sacial Security and Medicasade Besting: Mari yako yakashumwa inosarudza betsero dzako dzenguva yemberi dzeSocial Security neMedicas. Kudzosera kunovimbisa kuti makore ako ebasa anorumbidzwa zvakarurama kupurogiramu idzodzo.

Ndiani Anofanira Kuisa Mutero Wokudzoka?

Haasati ari munhu ari wose anodikanwa kunyora. Zvikumbaridzo zvinochinja gore negore uye zvinotsamira pazera rako, nzvimbo, uye rudzi rwemari inotambirwa. Somurayiro wavose, unofanira kunyora kana:

  • Mari yako yakakomba inopfuura kuderedzwa kwomuzvarirwo kwenzvimbo yako yokuisa mafaira (ya 2024, mafaira mamwe ari pasi pe 65: $14 600; bharani rakaroorwa: $2 200).
  • Uri [[[FL:0] unozvishandira umene [ uye une mari inotambira $400 kana kuti kupfuura pabasa rebhizimisi kana kuti rekuzvidira.
  • Makagamuchira mari yapachine nguva mberi ye [[FLT: 0] Premium Tax Credit kubva kumisika yeinishuwarenzi youtano.
  • Munofanira kubhadhara mitero yakadai seMitero Yokuwedzera yeMedicara kana kuti Nat Investivement Indive Tail Tax.
  • Unotaurwa seanovimba nokudzoka kwomumwe munhu uye mari yawakawana usati washandira (muchineiwo, kuisa mari mubhizimisi) inopfuura $1 300 muna 2024, kana kuti mari yawaiwana inopfuura kuderedzwa kwemupimo wavaitsamira.

Kunyange kana ukawira pasi pechikumbaridzo, kungava kunobetsera kuronga kana mutero upi noupi wemari waisapiwa kana kuti kana uchikwanirisa nokuda kwechikwereti chinobhadharwa.

Mitsetse Yakafa Nezviyero Zvinopfuta

Nguva yegore negore yokuronga mitero inodzorwa pamunhu mumwe nomumwe inowanzova April 15. Kana musi iwoyo ukaitika pakupera kwevhiki kana kuti pazororo, musi unenge uchienda kuzuva rebhizimisi rinotevera. Nokuda kwe2024, nguva inosvika April 15, 2025. Vagari venzvimbo dzinoziviswa nehurumende kuti dzinoitika njodzi, nguva dzakawedzerwa dzingashanda.

Kana usingagoni kupedza kudzoka kwako nenguva, unogona kukumbira [ kufutunurwa kwemwedzi mitanhatu kupfurikidza nokurongedza Form 4868. Kufutunurwa kunokupa kusvikira October 15 kukunyora, asi hakurebesi nguva yokubhadhara mitero ipi neipi yaune chikwereti. Mitero yokunonoka inotsaurwa yakaparadzana nezvirango zvechitsama chapashure (na) uye chirango chokupedzisira chinowanzova chakakomba. Nguva dzose yera mutero wako nokubhadhara mutero sezvainobvira panosvika April 15 kuti uderedze chirango.

Nhungamiro Nenzira Yokuvirisa Kudzoka Kwako Mutero

Tevera aya matanho akawedzerwa kuti unyore muchina wokunyora nenzira yakarongwa.

Nhano 1: Unganga Magwaro Ose Anodiwa

Kugadzirira imakumi masere muzana yebasa.

  • Mapepa anowanwa: W-2 (kubva kuvashandirwi), 1099-NEC kana 1099-MISC (kubva kuvatengi nokuda kwebasa rekushandira) 1099-INT kana kuti 1099-ISC (RAKASV, kana kuti purofiti), 1099-G (mubhadharo webasa), uye zvimiro zvipi nezvipi nezvipi K-1 (pavhuro kana kuti mari yeS-S-corpice).
  • Dicuction Records: Mazita endyiko dzezvokurapa, mipiro yorupo, mhindu yembavarira (Form 1098), mitero yezvinhu yakabhadharwa, uye yomudzidzisi. Ndyiko dzebhizimisi dzakazvishandira, mutengo wemaira, uye hofisi yapamusha.
  • Tsigiro yeCredit: Zvinyorwa zvemibhadharo yemibhadharo (Form 1098-T), urongwa hwezvokutarisira vana (zita, kero, ID yeMutero), uye kutaura nokuda kwevandudziko dzapamusha dzinoshanda zvakanaka.
  • Gore Rapera Kudzoka: Kuva nokudzoka kwegore rapfuura kunogona kubetsera kufungidzira zvitsaru uye kugovera AGI ingadikanwa nokuda kwepurogiramu yekombiyuta yokuratidza.

Nhano 2: Sarudza Mutoo Wokunyevenutsa

Zvaungaita zvinobvira pakunyatsofunga nezvemwana wako kusvika pakumubatsira nenyanzvi.

  • .Ectronic Filing (E-file) nesoftware: Vateresi vazhinjisa vanoshandisa purogiramu yezvirongwa zvebhizimisi yakadai seTurboTax, H&R Block, kana kuti zvimiro zveFile Free Free Window zvinozadza. E-file inokurumidza, inoderedza zvikanganiso zvemasvomhu, uye inosimbisa maraiti mukati mamaawa 24-48. Masangano mazhinji anogamuchirawo akabatanidzwa e-filter.
  • [[FLT: 0] . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
  • Pepa reKudzikisa: zvimiro zvokudadisa kubva paIRS, zvizadzei mumuromo kana kuti nekombiyuta, uye zvitumire kukero yakafanira. Pepa rinodzokesa nguva refu kukuita. Zvingatora mavhiki masere kana kuti kupfuura (*) uye rinokombamira zvikuru kuzvikanganiso zvavakuru vorudzidziso.

Pasinei zvapo nomutoo, IRS’ Window yeFree face inogovera purogiramu yapachena kuvabhadhari vemitero neNjodzi yakagadziridzwa pasi pechikumbaridzo chakati (zvinowanzo $79 000).

Danho 3: Pedzisa Kudzoka Kwako Zvakarurama

Pakuzadza Mavambo 1040 kana kuti mapurogiramu ekombiyuta akaenzana, simbisai idzi nharaunda dzinokosha:

  • Mashoko emunhu oga: Mazita akakupindwa kaviri, nhamba dzeSocial Security, uye misi yokuberekwa nokuda kwako, mukwanyina wako, uye zvidimbu zvipi nezvipi. Chikanganiso chimwe cheDVD chinogona kuparira kurambwa.
  • [[FOL:0] Kushuma:[ pinda chimiro chiri chose chaunacho. Kunyange zvitsama zviduku zvemhindu inobva kuakaundi yebhangi ($10 kana kuti pasi) zvinofanira kubatanidzwa.
  • Adjustments to Infish: Zvinotaura pamusoro pemipiro yomutsetse yakadai semipiro yeIRA, mhindu yevadzidzi inobhadharwa, ndyiko yomudzidzisi, uye utano Kuisa mari yemipiro inobhadharwa kunyange kana usingaisi mari.
  • Mavs. Zvitsama zvinoiswa: Unogona kutora zvitsama zviri musero (chitsama chakati sandara chakavakirwa pamugariro wemo wemo) kana kuti kuisa zvitsama kana hwerengedzo yako yakakodzera inopfuura chitsama chakafanira. Nokuda kwavanhu vazhinjisa, mari inotengwa yakaenzana ihuru, asi kana une zvikwereti zvakakwirira zvokurapa, fashoni, kana kuti mutero womunzvimbomo kupfuura $10 000, mitero ingava iri nani.
  • Zvikwereti: Zvikwereti zvinoderedza zvakananga mutero wako, dora nokuda kwedhora. Makuru anobatanidza Child Tax Crend (Kusvikira ku $2 000 pamwana anokwaniriswa), Iniverse Iniverse Intees Transcos (Mari kusvika ku $7,830 nokuda kwemhuri dzine vana vatatu kana kuti kupfuura muna 2024), uye American Obsubportunity Trust Crecess (yaparecustom).

Nhano 4: Ongorora Kudzoka Kwako Nokuda Kwezvikanganiso

Kukanganisa kunowanzononoka kuongororwa kunosanganisira:

  • Kukanganisa kwemasvomhu, kunyange musoftware, kombiyuta inoderedza izvi, nzvera kuti nhamba dzose dzinowirirana nemagwaro ako.
  • Maakaundi ebhangi asina kururama kana kuti nhamba yokufambisa nokuda kwokuisa chaiko mari inoiswa pabhangi.
  • Nzvimbo yokurongedza isina kururama (muchib., kuisa “Muponesi Wemhuri” apo unenge usingasviki mipimo).
  • Kubatanidza siginicha (yakatoitwazve nokuda kwee-faira inodzosa hwindo( kana ukafaidza kombiyuta, unofanira kusaina negore rako rakatangira AGI kana kuti PIN yakazvisanangurira yoga).

Shandisa MUBATSIRI WEMUTSHU UNOPARADZA[[FUNDO:1] (]ITA[) kudzora kaviri kukwaniriswa kwako nokuda kwechikwereti.

Danho 5: Tsigirai uye Zvinyorwa Zvisina Kukodzera

Faira faira hwindo hwako kana kuti pamberi penguva. Kana uchishandisa e-file, chengeta iemail inosimbiswa kana kuti risiti inogamuchirwa. Mafaira epepa anofanira kutumira mvumo kupfurikidza netsamba inotenderwa neriti inodzorwa. Chengeta kopi yakakwana yedzokero yako nemagwaro ose anotsigira nokuda kwamakore akati matatu kubva pamusi wokunyora (mutemo weganhuriro nokuda kwekunzvera). Nokuda kwavanhu vanozvishandira, chengeta mapepa anosvika makore matanhatu.

Kunzwisisa Kuvhiringidzika Kwako

Nzvimbo yako yokunyora inoratidza kuderera kwaunofanira kuita, mwero wemitero, uye kudiwa kwezvimwe zvikwereti. Zvikamu zvishanu ndeizvi:

  • [[I] .[N] .. kusava nemba pazuva rokupedzisira regore.
  • [ Jointfiling Joint:[[FL:1] inobetsera zvikurusa nokuda kwavaroorani vazhinjisa(combine mari nedzinobviswa mudzorero rimwe.
  • Kuparadzana: kunoshandiswa apo vakwanyina vanoda chikwereti chakaparadzana; kazhinji kazhinji kunoguma nemitero yakakwirira asi kungava kuri madikanwa kana mukwanyina mumwe ane ndyiko huru dzezvokurapa.
  • Chinodzorwa chemhuri: Nokuda kwavanhu vasina kuroora vanobhadhara inopfuura hafu yemutengo wokuchengeta musha nokuda kwomwana anokwanisa kana kuti anotsamira pamunhu. Inogovera mari inoderedzwa yakakwirira zvikuru uye mwero yemitero yakaderera kupfuura Ukata.
  • Qualifing Surviviving Special (widon): Kwamakore maviri pashure porufu rwomukwanyina, kana une mwana anotsamira pamunhu, ungashandisa mwero yemitero netsananguro yomupimo yePriniting Friing Flish Friing.

Mitero Inopesana Nedzidziso: Musiyano Unotambudza

Many citizens confuse deductions and credits, but they work very differently.

[ , zvinoderedza mari yako inobhadharwa. Somuenzaniso, kana uri mu2% yebhurakeri uye uchiita dolara $220 (Z $260) mumutero. Chitsama chinongokosha sechikwangwa chako chomutero.

Mitero [ inoderedza mutero wako zvakananga. Chikwereti $000 chinokuchengeta mutero. Zvikwereti zvinobhadharwa[ (seETC nerodd Recoom Child Tex Creats Creats) chinogona kutokupa mari inoderedza kana chikwereti chikapfuura mutero waune chikwereti. Chikwereti chinosadzivisirwa (se Nguva Yokudzidza Ifanirwa) chinogona kuderedza mutero wako kusvikira kuzero asi kwetezve.

Zvikanganiso Zvinowanzononoka Kana Kuti Zvinoongorora

Kupfuura zvikanganiso zvemasvomhuwo zvawo, ngwarirai mhinganidzo idzi:

  • [ Nhamba dzeNhare dzenzanga dzakarurama kana kuti dzinoshaikwa nokuda kwako umene, mukwanyina wako, kana kuti vanotsamira pamunhu] (ichi ndicho chikonzero chikuru chokuramba mae-fai.)
  • [ Imbavarira kushuma mari yose inotambirwa(---8])
  • Vari kutsamira pachinhu chisingachinjiki[[FL:1]]]
  • Kusaina kudzoka[/kudzosa kusaina kunorangarirwa kuva kusingashandi. Mafaira anofanira kugovera gore rakatangira AGI kana kuti SSN kusaina pakombiyuta.
  • Kubatira pasi pomugariro usina kururama (Somuenzaniso, kuronga Musoro Wemhuri apo usati uchipa inopfuura 50% yendyiko dzemhuri.
  • [[FT:0] Kutarira kutambanudzwa kwemitemo (sezvingadudzwa, kufutunurwa kwefaira hakusi futunuko yokubhadhara.

Chokuita Kana Uine Mitero Kana Kuti Uchikarira Kudzoreswa

Apo Unodyisa

Kana kudzoka kwako kuchiratidza dzikamo yakafanira, une zvisarudzo zvinoverengeka:

  • Mubhadharo kupfurikidza nenguva yaApril kupfurikidza nokubuda kwemari yemagetsi, kadhi rechikwereti, kana kuti cheki. Kubhadhara panguva kunodzivisa kubhadharira chirango [ (0,5% pamwedzi pamutero usingabhadharwi, wakabhadharwa pa25%).
  • Kukumbira Chibvumirano chokugadza (Form 9465) kana usingagoni kuripa zvizere. IRS inoraira mubhadharo wegadziriro, asi mubereko nezvirango zvinopfuurira kuva zviri pamwero usingabhadharwi.
  • [ Kupa mari mukubvumirana pane zvisina kufanira

Apo Unodimburwa

. Papu inodzosera mavhiki matanhatu kusvikira kumasere kana kuti kupfuura. Shandisa ZVIIS “RWERWERWERWER : RWENHAU ?” chishandiso chokuratidza mamiriro enzvimbo. Chitsama chakananga ndiwo mutoo unokurumidzisa (-kamisisa kuendesa kwako uye nhamba dzeakaundi ndedzechokwadi.)

Kuchengeta Makore Emitero Omunguva Yemberi

Kuronga mitero nokuchenjera kunoda kuti murambe muchinyora. Gore rose:

  • Paunenge uchisvika, chengeta magwaro omutero akanyorwa pafoni kana kuti pafoni.
  • Tsvaka makiromita ebhizimisi uye mari inoridiwa vhiki nevhiki kana uchizvishandira.
  • Chengeta mari dzemipiro yokupa, kunyanya mipiro isiri yemabhazi inopfuura $250.
  • Cherechedza kusashandisa [[FLT: 0] RUTSHU RWENHAU RWEWEWEUTURO RWEUTURO RWEUTURO ( inowanika pano[) kudzivisa zvishamiso panguva yomutero.

mhedziso

Kubhadharisa mutero wako ibasa rinofungidzirwa, rakarongwa kana ukaitwa nokugadzirira kwakarurama. Nokunzwisisa kuti ndiani anofanira kugadzira mafaira, kukurumidza kuunganidza magwaro, kusarudza nzira yakanakisisa, uye kufunga nezvezvikanganiso zvakajairika, unogona kushandisa nguva yemitero nechivimbo. Kana ukabata bhadharo kana kuti kubvunza nyanzvi, nheyo dzacho dzinoramba dziri kumwe chete: Kushuma mari yose zvakarurama, kuwana mari yaunowana, uye chikwereti chaunokodzera, uye kusvitsa mikana yokudzivisa zvirango zvisina kufanira. Shandisai iyi senongedzero gore negore, uye mutero wacho uchava chimwe chinhu chenguva dzose chokushandisa mari yenyu yomunhu oga.