Kunzwisisa Nheyo Dzehurumende Nemitero

Mitero iropa reropa rehurumende pazvose zviri zviviri mwero yenyika nehurumende. Gore rimwe nerimwe, mamiriyoni eAmerica anoshandisa mubatanidzwa wakaoma wemitero yehurumende nehurumende. Kunyange zvazvo muitiro wacho uchigona kukurira, kunzwisisa zvakasimba zvinhu zvinokosha(marudzi emitero, mabhuraketi, zvikwereti, zvikwereti, zvinodikanwa, uye misungo yavose (anogona kuchinja musengwa unodzvinyirira kuva rutivi rwoupenyu hwako hwemari. Iyi nhungamiro inogovera kunzvera kukuru kwemubatanidzwa nemitero yehurumende, inogovera nzwisiso inoshanda nokuda kwevagari vemo vanoda kugara vakabatana uye kusvitsa miuyo yavo yemitero.

Mitero Yakafanana: Fandesheni Yemari Inotambirwa Munyika

Mitero inobhadharwa nehurumende yeUnited States kuti itsigire mapurogiramu nemitero munyika yose, kubatanidza dziviriro yenyika, gadziriro, Social Security, Medicare, uye kuchengetwa kwomutemo wehurumende. Internal Revenuve Service (IRS) inopa mitero iyi. Sangano yemitero yehurumende inofambira mberi, kureva kuti mwero yemitero inokwira sezvo mari inobhadharwa inokwira.

Marudzi Emitero Yakatevedzerwa

  • Munhu oga anogamuchira Mutero: Manyuko makurusa emari yehurumende. Vabhadhari vanobhadhara chiverengero chapashure chemari yavo, nemitengo inovambira pa 10% kusvikira ku 37% nokuda kwegore ra 2024. Uyu mutero unoshanda kumibhadharo, mibhadharo, mari yemari yemari, mari yokutenga basa, uye yakawanda.
  • [[[FORT:0] Kubhadharwa Mutero [[FT:1]]: Mutero wakafunuka 21% pamibayiro yebhizimisi (pashure peMutero Wokucheka uye Mubato waMabasa wa2017). Masangano ndiwo masangano anoparadzanisa mitero kubva kuna varidzi vawo.
  • Mutero weMitero : Inozivikanwawo semitero yeFICA, iyi mari yeSocial Security (12.4% parinotambira kukepisi) uye Medicare (.9%, pasina kepisi). Vashandi vanobhadhara hafu (7.65%) uye vashandirwi vanobhadhara hafu inowirirana. Vanhu vanoshanda pachetese.
  • Capital Gains Task[[FLT: 1]: Mitero papurofiti kubva mukutengeswa kwezvinhu kunopfuura gore rimwe (nguva refu) inobhadharwa pamwero yakaisvonaka: 0%, 15%, kana kuti 20% inotsamira pakuwana mari. Kuwana kwenhambo pfupi (dzinochengetwa gore rimwe kana kuti shoma) kunobhadharwa pamwero yemariwo zvayo.
  • tate neChipo Mitero[[FLT: 1]: Mutero wenzvimbo unoshanda kunzvimbo dzinokwirira chikumbaridzo chokusapinda mumishoni chakakwirira ($13.61 mamirioni muna 2024). Mutero wezvipo unoshanda kutamisirwa kwoupenyu hwakakura.
  • [[[ITSOKA] Mitero yeBhizimisi: Mitero pazvinhu zvakati sepetroli, chinwiwa chinodhakisa, fodya, uye matikiti endege. Izvi zvinowanzobatanidzwa mumutengo wokutenga.

Nokuda kwoudzame hwehurumende, shanyira pawebsite yeIRS[, manyuko ane chiremera nokuda kwezvimiro zvemitero yomubatanidzwa, mirayiridzo, zvinyorwa, uye nhungamiro.

Mitero yeHurumende: Kushandisa Zvinhu Zvinonyanya Kukosha Munharaunda

Nyika imwe neimwe (nePurgati yeColumbia) ine gadziriro yayo imene yemitero yokutsigira mabasa ehurumende akadai sedzidzo yavose K-12, mayunivhesiti ehurumende, migwagwa, mabhiriji, mapurisa ehurumende, mapaki, uye mapurogiramu outano. Mitemo yemitero yehurumende inosiana zvikuru, uye dzimwe nyika hadzina mutero wemari.

Mitero Yavose yeHurumende

  • State Inhome Tax : Mitemo mipfumbamwe (Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming) haina mutero wemari pamibhadharo inotambirwa. New Hampshire mari bedzi nemhindu. Dzimwe nyika dzinoshandisa mwero wemitero wakarefurira (g. Colorado 4.4%, Pennsylvania 3.07%) kana kuti gadziriro inofambira mberi. Chiverengero chenyika dzinovambira ~1% kusvikira ku 13.3% mubhurogiramu yeCalifornia.
  • , Sales Task: Yakaiswa pashopu yokutengeswa kwezvinhu zvomunhu oga uye mabasa akati. Mwero inosiana nehurumende uye kazhinji kazhinji nehurumende dzomunzvimbomo (guta, ruwa). Mitengo mishanu haina mutero wehurumende: Alaska, Delaware, Montana, New Hampshire, neOregon. Nyika yakabatanidzwa nemitero yomunzvimbomo inogona kupfuura 10% mumamwe maguta.
  • [ Mutero wePropety [: MaRevhi nenhamba, maguta, maruwa ezvikoro, uye mamwe masangano omunzvimbomo panzvimbo nezvivako. Mwero inoratidzirwa muzvigadziko (madhirandi pa $6 000 yomutengo wakasanorongwa). Mitengo ingatambirawo zvinhu zvomunhu oga zvakafanana nemotokari nemidziyo yebhizimisi.
  • [ Mitero yepetroli: Mitero yehurumende papetroli, fodya, chinwiwa chinodhakisa, uye chikabhisi munyika dzinobvumirwa nomutemo. Somuenzaniso, mitero yegasi yehurumende inosiyana kubva pa $0,5 parita ye $5,0 pa $5 parita.
  • Hurumende neNhaka Mitero: Dzimwe nyika dzinoisa mutero wadzo umene wenzvimbo (mutoo, Massachusetts, Oregon) kana kuti mutero wenhaka (unobhadharwa navanobetserwa, se. Nebraska, Pennsylvania).

Nemhaka yokuti mitemo yemitero yehurumende inosiana zvikuru, nguva dzose bvunza dhipatimendi rako remari yenyika nokuda kwamashoko akarurama, anokwira kusvikira kuzuva.

Mashandiro Anoita Mabhurokwane Emitero: Masangano Okushanda Nehurumende

Kunzwisisa zvirango zvemitero kunokosha pakuyera mutero wako. VaAmerica vakawanda vanonongedzera nenzira yokusangwarira ku “bhuroko ravo remitero," asi mwero unobudirira (waunobhadhara chaizvoizvo sechikamu chemari yose inowanwa) unowanzova muduku kupfuura mwero womucheto (mwero padhora rokupedzisira rinowanwa).

Zvirongo Zvemabhangi 2024 Muenzaniso Wefaira imwe)

Taxable IncomeMarginal Tax Rate
$0 to $11,60010%
$11,601 to $47,15012%
$47,151 to $100,52522%
$100,526 to $191,95024%
$191,951 to $243,72532%
$243,726 to $609,35035%
$609,351+37%

Muenzaniso weTrusa Wakaipa weMiedzo ye $3,50]: Kana mari yako inobhadharwa mutero iri $50 000 (yoga) haubhadhari 22% pamari yose. Unobhadhara 10% pa $1,600, 12% pa $5,550, uye 22% pa $26,850. Mutero wose: $16,8777, nokuda kwemwero unoshanda we~13.75%.

Kurangarira Kwehurumende

Zvizhinji zvinotanga zvikwaniriso zvinoratidzira semitengo yehurumende asi nemwero yakasiana- siyana nezvikumbaridzo. Dzimwe nyika dzine mwero mumwe wakavara. Zvishomanene (seHawaii) zvine mabhuraki ane mitsetse mizhinji. Kana uchigara muhurumende isina mutero wemari, unongobata bedzi nezvikwangwani zvehurumende nokuda kwechikamu ichocho chomusengwa wako. Asi ungava nemitero yakakwirira zvikuru kana kuti mitero yenzvimbo kuti ubhadhare. [FLT]

Kusimbisa Michero Nezvikwereti

Zvikwereti nechikwereti zvinogona kuderedza zvikuru mutero wako, asi zvinoshanda zvakasiyana:

Misangano (Mubhadharo Unoderedzwa Womutero)

  • Kudaidzwa kwakaenzana[[FLT: 1]: Nokuda kwa2024, $14 600 nokuda kwamafaira mamwe, $29 200 nokuda kwemafai akarooranwa. Vateresi vazhinji vanogamuchira zvitsaru zvakati kuti nokuti zviri nyore uye kazhinji kazhinji zvakakura kupfuura zvitsama zvezvinhu.
  • Mabhakitire akabatanidzwa[[FLT:]: Kana ndyiko dzako dzakakodzera dzichipfuura zvitsama zvinowirirana, unogona kuisa. Zvitsama zvakarongwa zvinobatanidza: mitero yehurumende neyomunzvimbomo (SALT) chitsama chemari padzimba huru nedzepashure dzinosvika $750 000 dzechikwereti, ndyiko dzezvokurapa dzinopfuura 7,5% yeAGI, mipiro yeyamupirwa, uye kurasikirwa nokuba kubva munjodzi dzakaziviswa nomutemo.
  • Kupfuura mativi-mazamu : Rinowanika pasinei zvapo nokuti unoisa mipiro kuIRA yegamuchidzanwa, mhindu yavadzidzi (kusvikira ku $2,500), Akhawunti yezvoutano Kuisa mari (HSA), mipiro yokuzvibhadharira mutero, uye umonimonia kana bvumirano yacho yakapedzwa pamberi pa2019.

Rubatso rwemutero (Dollar-for-Dollar Recuruction)

  • Chikwereti chemari yeTrusa (ETC)[FLT: 1]: Rubayiro runofanira kudzorwa navanhu vanoshanda vakaderera nemhuri. Chikwereti chikuru muna 2024 nokuda kwemhuri ine vana vatatu kana kuti vanopfuura $7,830.
  • [ Credition yeTC (CTC): Kukwira kusvikira ku $2 000 pamwana ari pasi pe 17, ne $1,7 700 inodzorwa pamwana nokuda kwa2024.
  • American Opportunity Tax Created Credit [[FOTC: Kukwira ku $2,00 pavadzidzi vakakodzera nokuda kwamakore mana okutanga ekoreji, anodzokororwa zvishoma.
  • Indaneti Yedzidzo yemari (LLC): Kukwira kusvikira ku $2 000 padzokero yemutero nokuda kwomwero upi noupi wedzidzo yesekondari, isingadzoreki.
  • [[[FT:0] Chikwereti chaMari chinochengeta[: Kuvanhu vanowana mari yakaderera nenemwero vanopa mari yemari yokurega basa.
  • Mwana neChesterial Care cores [[FLT: 1]: Kukwira kusvikira ku $3 000 nokuda kwomunhu mumwe anokwaniriswa kana kuti $6 000 nokuda kwendyiko mbiri kana kuti kupfuura, kufukidza ndyiko dzetarisiro yomwana.
  • Throsa dzinoda kugadziridzwa: Chikwereti chesimba rakachena (zuva, geothermal, etc.) uye magetsi anoshanda pamusha.

Kuderedza Mitero Yako: Nhano Dzinokosha Nekungwarira

Mamiriro Ezvinhu Okunyepedzera

Nzvimbo yako yokunyora inoratidzira mari yako inotsaudzirwa yomupimo, mabhuroko omutero, uye kutsarukana kwezvikwereti zvakati. Mitemo mishanu ndeiyi: Kuroora, kuroora, kuroora kwakaparadzana, Musoro wemhuri (Asina kukwaniswa neanodirwa), uye Qualing Surviving Sviviving Special (inowanika kwamakore maviri pashure porufu rwomukwanyina kana une mwana anotsamira pamunhu). Sarudzai nokungwarira; Musoro wemhuri kazhinji kazhinji unogovera mwero iri nani kupfuura Umwe.

Mitsetse Yakafa Nezviyo

Mutero wakawanda unodzorwa pa April 15 gore rimwe nerimwe. Kana musi iwoyo uchiitika pakupera kwevhiki kana kuti zororo, nguva yacho inoenda kuzuva rebhizimisi rinotevera. Unogona kukumbira kufutunurwa kunozviitikira kwomwedzi mitanhatu (kusvikira kuna October 15) kupfurikidza nokunyora Form 4868. Zvisinei, kuwedzerwa kwefaira ndiko kwete [ kuwedzera kubhadharo; unofanira kufungidzira mutero upi noupi uye kubhadhara panosvika April 15 kuti udzivise mhindu nechirango. Mitero yehurumende inowanzowirirana nenguva yomubatanidzwa, asi kwete nguva dzose; nzvera madhipatikasa enyika.

Mitoo Yokuvirisa

  • . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
  • Pepasi Yokufambisa[: Ichiri kugamuchirwa asi inononoka uye yakawanda yezvikanganiso. Uchada kutumira kudzokera kunzvimbo yakakodzera yokugadzirira IRS (kana kuti redhipatimendi rehurumende).
  • [[NHAU] .Tax Software yokugadzirira: Zvirongwa zvakafanana neTurboTax, H&R Block, uye Trusaer zvinokutungamirira mugadziriro ndokunzvera zvikanganiso. tsigiro zhinji dzinodzokawo.
  • Magadziriro eMabasa[[FLT: 1]: maCPA akanyoreswa, vamiriri vakanyoreswa, uye magweta omutero anogona kugadzirira ndokunyora kudzoka kwako, zvikurukuru kunobetsera nokuda kwemigariro yakaoma (mabhizimisi, kuisa mari mumari, mari inotambirwa yenyika dzakawanda).

Zvikanganiso Zvinozivikanwa Navose Zvokudzivisa

Kunyange vateresi vanongwarira vanogona kukanganisa. Hezvino zvikanganiso zvenguva dzose zvinogona kunonotsa kubhadharwa kana kuti kunyandura zviratidzo zveIRS:

  • Infixel Security Social Numeri: Mazita okuisa panzvimbo yazvo kana kuti anodzokorora (zvinofanira kuwirirana nekadhi reSSN chaizvoizvo).
  • [[FORT:0] Wrong Bankting Mashoko: Nokuda kwezvidimbu zvakajeka, ongorora akaundi nenhamba dzokufambisa.
  • [[FT:0] ZVIkanganiso zvemazamu (zvisati zvichizivikanwa nee-file asi zvichibvira): zvikanganiso zvemasvomhu zviri nyore mu kuverenga mabhukwana.
  • Kukanganwa kusaina: Kudzoka kusina kusinwa kunorangarirwa kuva kusina kukwana. Mafaira anofanira kushandisa PIN (asarudza amene kana kuti IRS-issued).
  • [[FT:0] Kupinza mari [[[FT:1]: W-2, 1099, uye mamwe magwaro emari anoshumwa kuIRS; kukundikana kushuma kuchanyandura chiziviso chakafanana.
  • [ Kutsvaka kana kuti Zvikwereti[[FL:1]: Kutarira Inichove Incove kana kuti kukundikana kuronda mipiro yorupo.
  • Kutsungirira noMugariro Wakaipa: Kutaura kuti Musoro Wemhuri pasina kusangana netsigiro uye miedzo yokugara.
  • Kupa mari Pasina Chinowedzera[[FT:1]: Chitsama chokurongedza (5% pamwedzi womutero usingabhadharwi) chinogona kuungana nokukurumidza.

Mamiriro Ezvinhu Anokosha: Kuzvitarisira Nesimba, Kuzviraramisa, uye Basa Rokure

Vashandi Vanozvitarisira uye Vanozviitira Zvavanoda

Kana ukagamuchira mari kubva murusununguko, kutasva, mabasa okugovera, kana kuti basa ripi neripi risina mutero waidzorwa, unofanira kubhadhara mutero webasa rako umene (15.3% FICA) mukuwedzera kumutero wemari inotambirwa. Uchada kunyora C (Kubhadhara kana kuti Kurasikirwa neBhizimisi) uye SPULESESSE (MHANDO YEMVURONGA). Kurangarirwa nokurevesa zvikwereti kana kuti mari yemitero yemitero yomubatanidzwa) kana kuti kukarira kuva nemari yakawanda. chengeta marekodhirobhodhi emari yomusha, midziyo, migove, mairasitiki, kana kuti mari chaiyo yemari inobhadhaka.

Vashandi Vari Kure Nemitero Yemaruwa Akawanda

Kana uchigara mune imwe nyika uye uchishanda kure nokuda kwekambani mune imwe nyika, ungada kunyora mitero muruwa dzose dziri mbiri(mamiriro ako ezvinhu emusha (somugari) uye mamiriro ezvinhu apo waunoshandira ari (somutungamiriri, kana nyika iyoyo ine "kubvuma kwomushandi wemushandirwi" mutemo, wakadai seNew York, Delaware, Nebraska, kana kuti Pennsylvania). Dzimwe nyika dzine zvibvumirano zvechibvumirano zvemusha. Mugariro unogona kuva wakaoma kana ukashanda kwenguva pfupi munyika dzakawanda. Nguva dzose bvunza nyanzvi yemitero kana une mari yakawanda.

Unyanzvi Hunokosha Hwokusangana

  • [W-2: Bhegi neTsitsi reMutero zvinobva kumunhu waunoshandira.
  • [-neC: muripo webasa risiri rokushanda (vagadziri vakazvimirira).
  • [[[FOL:0]1099-INT / 1099-RV[[FL:1]: fariro nemibayiro zvakawanwa.
  • [[FT:0]-G[[FLT: 1]: muripo wourovha, nyika nemutero womunzvimbomo.
  • Mitemo [: Chimiro chikuru chedzorerwo yemitero yavanotambira (1040, 1040-SR).
  • [[FF:0] Purasire A: zvitsaru zvakagadzirwa.
  • [[[DROF:0] C: mhindu yokuzvishandira iwe umene/kuwana mari.
  • [[[FL:0] Suctule E: nzvimbo, madzimambo, zvibvumirano, zvichingodaro.
  • [[ITSO] FORm 862: Kunodikanwa kana ukataura kuti EITC uye kwaisabvumirwa mugore rakatangira.
  • [[FOLT:0] Fm 2555: Kubviswa kwemari inowanwa kunze kwenyika nokuda kwerusando.

Kuronga Mitero Kunotarisirwa Gore Rava Mberi

Kuronga mutero kwokuchenjera hakusi munenge muna April chete; ibasa regore rose rinogona kuderedza zvikuru kukanganisa kwako. Rangarira zvirongwa izvi:

  • Kontate kuMaakaundi okurega basa[[FLT: 1]: IRA yamagamuchidzanwa (inobvira kana uchiita ganhuriro dzemari inotambirwa) kana kuti mushandirwi 401(k) mipiro inoderedza mari yako yazvino uno inobhadharwa. Mipiro yaro haisati ichizoderedza mitero yako nhasi asi inogovera kukura kwemitero kwapachena.
  • MIPINGO yokuwedzera HSA [[FLT: 1]: Maakaundi ezveutano anopa betsero nhatu dzemitero: Mipiro inoshaikwa, mari inokwira isina mutengo, uye kurasika kwendyiko dzezvokurapa kwakasununguka. Nokuda kwa2024, ganhuriro yacho i $4,150 nokuda kwokuzvibhadharira nemhuri.
  • Shandisa Kucheka Mutero- Rokisi[[FL:1]: Tenga kusaita mari yakawanda kuti utsive mhindu huru (uye $3 000 yemariwo zvayo).
  • Bhetaniktrofiki: Kana zvitsama zvezvinhu zvako zviri pedyo nedereshi yetsangadziso yoga yoga, rangarira ndyiko dzenguva (mutoo, mipiro yorupo, miitiro yezvokurapa) kupinda gore rimwe.
  • Batsirana Nezvikwereti zveDzidzo[[FLT: 1]: Kana iwe kana kuti mubatiri ari mukoreji, AOTC inokosha. Ronga kukudza ndyiko dzinokwaniriswa (mari, mitero, zvishandiso zvekosi) mumakore akakwaniriswa.
  • Ratidza Kunyima Kwako: Nzvera W-4 gore negore, zvikurukuru pashure pokuchinja kwoupenyu (roorano, chatanuro, mwana mutsva, basa rechipiri). Shandisa IRS Posce Conick Antimator paIS paIS.
  • Rangarira A Chestern Care FSA: Kana mushandirwi wako akakupa, mupiro unosvika $5 000 unoderedza mari yako inobhadharwa uye hausati uri pasi pomutero weFICA. Shandisa iyoyi nokuda kwendyiko dzakakodzera dzokutarisira mwana.
  • [[Indaneti:0] Yemipinyi yesimba reInishuwarenzi nokuda kwokuzvitutumadza [[FT:1]: Mitemo 100% youtano, mazino, uye nguva refu yokutarisira nokuda kwako umene nemhuri yako (pamusoro-pamusoro-pamutsetse).

Nokuda kwokupinda mukuronga kwakadzama zvikuru, nzvimbo yemutero yeInveedia [ inopa mazana enyaya pamusoro pegadziriro dzemitero nokuda kwematanho ose oupenyu.

Zviwanikwa Zvevateresi

Haufaniri kutarira mutero uri woga; fuma yapachena nefuma inoripirwa iripo kuti ikubatsire kunzwisisa zvinodikanwa, kunyora pachena, uye kupedza kukakavara.

  • IS.GOV: Mutengi mukuru wehurumende. Shandisai shopu ye "Ingandidzosa", "Kupi Kunondifadza? App, uye Mutsigiri weMitero nokuda kwemibvunzo mikuru. IRS inopawo yamuro wapachena kupfurikidza na VITA (IVHORITE ISCO) uye TCE (Kupa zano nokuda kwaVakweguru) nokuda kwokukwanisisa vabhadhari.
  • Departments reRevolution : Nyika imwe neimwe inoshandisa website yayo imene namafomu, mirayiridzo, tafura dzedziyo, uye mae-jeni. Tsvakai kuti "[nyika yenyu] iri mubato wemari" kuwana yenyu.
  • [ . . . . . sangano rakasununguka mukati meIRS rinobetsera vateresi avo vari kutambura nhamo yemari kana kuti vave vasingakwanisi kupedza chinetso chemitero kupfurikidza nemikoto yenguva dzose. [[FLT:]] Kushanyira TaS paIC.
  • [[FOL:0] Free Pureyifecture Gastry Programme yeMitero: Purogiramu yeIRS Free File inoshanda namakambani akadai seTSLAYA MUTS, COSC, neFreeTaxSUSA. Kana mari yako iri pasi pe $79 000, unogona kushandisa purogiramu yokugadzirira pasina mutengo.
  • [ Begnable Begnence: Rangarira kubhadharira mutengi akanyoreswa (CPA) kana kuti Mumiriri akarongedzwa (EA) kana mamiriro ako ezvinhu akaoma. Vanogona kukumirira pamberi peIRS.
  • [ Maraibhurari avose enzvimbo iripo: Vazhinji vanopa zvimiro zvemitero zvapachena nebetsero imwe-yomwe mukati memwaka womutero, kazhinji kazhinji muwirirano neAAARP kana kuti VITA.
  • [ , iyo inopa rubatsiro panzvimbo yeISPAS (TCS): Aya mahofisi e-opera anogovera betsero, asi kugadza kunodikanwa. Wana hofisi iri pedyosa uchishandisa website yeIRS.

Kupedzisa: Kudzora Mitoro Yako

Kuisa mitero yehurumende neyomubatanidzwa mutoro wegore negore uyo “kana ukasvikwa nezivo nokuronga) kungava kunonetesa uye kunobetsera zvikuru mune zvemari. Kunzwisisa mipimo mikuru yenzira inowanwa nayo, misiano pakati pemarudzi emitero, simba remari inobviswa nechikwereti, uye miitiro yokuronga inoita kuti urambe uchidzorwa, dzivisa zvirango, uye chengeta mari yako yakawanda. Nokushandisa mari yatsanangurwa pamusoro apa uye kuramba wakarongwa mugore rose, uye kugadziridza nzira yako semitemo inochinja, unogona kuchinja mwaka wemitero kubva mumanyuko efunganyo kuva rutivi rwenguva dzose rwemari zvakanaka. Kana ukagadzirira kudzoka kwako umene uchishandisa purogiramu yekombiyuta kana kuti basa, kiyi yako inova yokugara uchiziva, kubvunza mibvunzo, uye kusambotadza kurasikirwa nenguva.