Kupa Mitero Yokubiridzira Kwenguva Yokutanga: Nhungamiro Yakakwana

Mitero inokwevera kwenguva yokutanga inogona kukurira. Pakati pezvimiro zvisina kurovedzeka, mashoko anovhiringidza, uye kutya kuita mhosho, vazhinji venguva yokutanga vanorega basa racho kana kuti kumhanya naro. Asi norutivi rwakarurama, unogona kunyora zvakarurama uye kunyange kuwana mari yawakanga usingazivi. Iyi nhungamiro inofamba panhano iri yose, kubva pakunzwisisa mugariro wako wedare kusvikira pakusarudza mutoo wakanakisisa wokudzokera. Uchadzidza zvinyorwa zvokuunganidza, zvitsamai nezvikwereti zvinoshanda, nzira yokudzivisa nayo zvikanganiso zvavose, uye uko ungawana betsero yakasununguka kana kuti yakaderera. Kusvikira kumugumo, uchanzwa une chivimbo chakakwana kubata mutero wako wokutanga — uye kugadza nheyo yakasimba yamakore anotevera.

Kunzwisisa Mutero Kunokosha Mutengi Wenguva Yokutanga Ari Wose Anofanira Kuziva

Usati watanga kuzadza mafomu, tora maminitsi mashomanene kuti uzive kuti gadziriro yemitero yeUnited States inoshanda sei. Chinokosha ndechekuti chikwereti chako chemitero chinotsamira pamari yako, nzvimbo yako yokunyora, uye mari yaunokweretesa kana kuti chikwereti zvaunokodzera. Heino pfungwa huru dzichapesvedzera kudzoka kwako.

Gore Remutero Chii?

Gore remitero inguva yemwedzi 12 yaunoshuma mari yaunotambira uye yaunobhadhara. Kuvanhu vakawanda, gore remitero rinova gore rekarenda — January 1 kusvikira ku225. Pamunonyora mitero muna 2025, muri kushuma mari yamuri kuwana muna 2024. Iyi nhau nemhaka yokuti mari ipi neipi yatakapiwa pashure paDecember 31 ndeyegore rinotevera remitero.

Mugariro Wokunyengera Unotema Mwero Wako Wemutero

Nzvimbo yako yokunyora inotapura mari yako inotsaudzirwa iri musengwa, mabhuragisi emitero, uye kuva akakodzera nokuda kwezvikwereti zvakati. IRS inoziva zvikamu zvishanu:

  • [[FOL:0] [1] [1] — Hauna kuroora, wakachatanura, kana kuti wakaparadzaniswa pamutemo sezuva rokupedzisira regore remutero.
  • Mabudikanwa — Makaroorana uye vose vari vaviri vanobvuma kunyora bhadharo rimwe. Ikoku kunowanzogovera mutero wakaderera zvikuru nokuda kwavaroorani.
  • Kuparadzana[[FT:1] — mukwanyina mumwe nomumwe anosaina bhadharo rake amene. Ikoku kungabetsera varoorani vanoda kuchengeta mari yakaparadzana kana kuti apo mukwanyina mumwe ane zvitsama zvinokosha.
  • Head yemhuri[[[FLT: 1] — Hauna kuroora, unobhadhara inopfuura hafu yendyiko yokuchengeta musha, uye une munhu anokwaniriswa (zvakadai somwana) anogara newe. Uku mugariro unopa mwero wakakwirira wetsaudzo yemitero kupfuura Kusaroora.
  • Kuedza Kuwana Mukwanyina Anoshanda [[FLT: 1] — Anowanika kwamakore maviri pashure porufu rwomukwanyina kana une mwana anotsamira pamunhu.

Sarudza nzvimbo inokupa chikwereti chemitero chakaderera zvikuru. Shandisa [[FLT: 0] shopu yemamiriro ezvinhu okunze kuti uone kuti hauna kusimba.

Mashandiro Akasiyana - siyana Emari Yavanowana uye Mapirwe Avanopirwa

Haisi mari yose inobatwa zvakafanana. Kubhadharwa pabasa kunobuda paW-2, uye mushandirwi wako akatonyima mitero. Freelance kana kuti gig mari yebasa (inoshumwa pa1099-NEC) haisati iri isina chikwereti, naizvozvo ungava nechikwereti chinofungidzirwa. Mari yokubhadhara mari, yakadai semibayiro nemhindu yemari, kazhinji kazhinji inokwanirisa nokuda kwemitero yakaderera. Mari inobhadharwa pamudyandigere, uye kushaya basa zvose zvine mitengo yavo vamene. Kuziva kuti imarii yaunayo ichakubetsera kudzivisa kurasikirwa nemitero kana kuti kupinda muzvitsama zvisarira zvisina kururama.

Manyoro Aunofanira Kunyora Mutero Wako Wokutanga

Kuunganidza mapepa akarurama pachine nguva mberi kunodzivisa kuvhunduka pakati pefirimu. Hechino nhevedzano yezvinyorwa zvakakurumbira zvikurusa zvevagadziri vemafaira vokutanga.

  • W-2 Mafomu — Mushandirwi wako anofanira kutumira ikoku panosvika January 31. Kunoratidza mari yako yose uye zvitsama zvakanyimwa nokuda kwemitero yehurumende, hurumende, Social Security, uye Medicare.
  • Mafomu ane 1099 — Kana ukawana $600 kana kuti kupfuura somuvaki akazvimirira, uchagamuchira 1099-NEC. Mamwe 1099 anofukidza mhindu (1099-INT), mhindu (1099-UVHISC), uye mari inopa mari yakawanda (1099-MISIC).
  • Chiratidzo cheInishuwarenzi yoUtano — Maererano 1095-A, 1095-B, kana kuti 1095-C zvinoratidza bhauriro yako. Vanhu vazhinjisa vanongonzvera bhokisi vachiti vakanga vane bhaisikopo duku raikosha.
  • Sacial Security nhamba (SSN) kana kuti Mubhadhari mumwe nomumwe weMubhadhari weMitero Idistation nhamba (ITIN) — Unoda izvi nokuda kwako umene nezviri kutsamira papi nezvipi. Rovera kuti ushandise URIS W-7
  • Akhawunti naNumeri — nokuda kwenzvimbo yakananga yerefound (kana kuti kuronga muripo wemagetsi kana une chikwereti).
  • Kudzoka kweMutero weGore rapera — Kana ukaisa pamberi apa, kudzoka kwegore rakatangira kunokubatsira kufungidzira gadziridzo. Nguva yokutanga inogona kukurira ikoku.
  • Ndyiko dzinodavika — Mabharani nokuda kwechitsama chechikwereti chavadzidzi (Form 1098-E), mari yemari yemari (Form 1098-T), mari yezvokurapa, mipiro yorupo, uye mari inowirirana nebasa kana uchizvironzesa. Chengeta makopi emapepa kana kuti mapepa kwaanenge makore matatu.

Kusarudza Nzira Yakarurama Yokunyengera Mamiriro Ako Ezvinhu

Pane zvinhu zvitatu zvinokosha zvaungaita: Kushandisa purogiramu yeIRS Free File, kana kuti kuhaya nyanzvi.

Kuzviitira Umene Nesoftware Yemutero

programme dzemitero dzapakombiyuta dzinokutungamirira kumibvunzo uye dzinozadza zvimiro zvakarurama. Zvigadzirwa zvizhinjisa zvinopa zvinyorwa zvapachena nokuda kwedzorero yakapfava (W-2 inodzorwa bedzi, kubviswa kwomuzvarirwo). Zvirongwa zvepanguva zvinotanga marudungwe nokuda kwemari yokushanda, zvinhu zvokurenda, uye zvitsaruso zvezvinhu. Njeresa dzinobatanidza Tatalayer, Turbotax, na H&R Block. Tarira mabasa anopa ururamiso netsigiro.

Purogiramu Yefaira Yakasununguka

Kana mari yako yakagadziridzwa yawakawana (AGI) $79 000 kana kuti mishoma, unogona kushandisa IRS Free File — mubatanidzwa pakati peIRS namakambani esoftware akavanzika. Unotungamirirwa kupfurikidza nesoftware imwe cheteyo inoshandiswa navatengi vanobhadharwa, asi kudzoka kwehurumende kwapachena. Dzimwe mari dzinobatanidzawo kudzokera kwakasununguka. Shanyira mapeji Free Fayili yeIRS [ kunzvera nokusarudza chishandiso.

Kunyengedza Nyanzvi Yemitero

Rangarira mushandi akanyoresa kana mugariro wako wakaoma: une bhizimisi, une mari yokumwe, unogamuchira nhaka huru, kana kuti unofanira kuwana chikwereti chinonyengera. Nyanzvi dzinobhadhara pakati pe $50 ne $500 nokuda kwedzorero yakapfava, asi dzinogona kuziva mari yawakachengeta ingapotsa. Nzvera ndokudzivisa vagadziri vanotenga mari huru pasina kuhwirudzura magwaro ako.

Nhungamiro Nenzira Yokufuridza Kudzoka Kwako Kwokutanga

Kana wava nemapepa ako uye wasarudza nzira, tevedzera iyi nzira yokuita nayo kuti usakanganisa.

  1. Enten Information yemunhu oga — Zita, SSN, musi wokuberekwa, uye kero sezvakaratidzwa pakadhi rako reSocial Security. Kunzvera zviperengo; kusafanana kupi nokupi kunogona kunonotsa kugadzirwa.
  2. Mushumo weMari yabuda [ — Pinda zvitsama kubva ku W-2 na 1099. Purogiramu ichakunyandura. Kana une mari, mari inotakurirwa, kana kuti mubereko webhangi, zvinosanganisira izvowo.
  3. Kugadziridza mari kuMari — Idzi ndidzo mari dzaunogona kutenga usati waverenga mari yako yakagadziridzwa. Kugadziridza kunowanzobatanidza ndyiko dzomudzidzisi, mhindu yavadzidzi, mari inobhadharwa, uye mipiro kuIRA yegamuchidzanwa. Zvinoderedza mari yako inobhadharwa nokuda kwedhora redhora.
  4. Sarudza pakati peAdmond neProjudized Déducation — verenga hwerengedzo yako yose yakaiswa (ndyiko dzemishonga, hurumende nemitero yomunzvimbomo yakaganhurirwa ku $10 000, mhindu yembavara, mipiro yorubatso). Enzanisa netsaudzo iri pakati penzvimbo yako. Tora chitsama chikuru. Nokuda kwa2024, defiti yemari inotedzerwa i $4 600 nokuda kwamafashoni, $9 200 000 nokuda kwemibatanidzwa yeroorano, uye $21,00 yemari yemari yeimba.
  5. Rovedza Tutsoro Dzemitero[[FLT: 1] — Zvikwereti zvinoderedza chikwereti chemitero yako zvakananga. Mienzaniso: Chikwereti chemari inotambirwa (] C ) nokuda kwavashandi vakaderera vamari inotambirwa, Child traxix Crectives nokuda kwomwana mumwe nomumwe anokwaniriswa, American Originity Crence nokuda kwechipotiographi, uye Mapepa eSar reFireji.
  6. View ne — Verenga kupfupi. Cherechedza kuti mari yako kana kuti mari yaunofanira kuva nayo inowirirana nekariro dzako. Sing printer neposi kana ukashandisa pepa. E-filfil iri nokukurumidza uye yakarurama zvikuru.
  7. Chengeta Dzokero Yako — Rodhai APD yedzokero yapedzwa ndokuichengeta nezvinyorwa zvako zvinotsigira. Ungaida nokuda kwokuronga mutero womunguva yemberi kana kuti kukumbira chikwereti.

Kunzwisisa Zvikarakadzo Nezvikwereti Muudzame

Varidzi vemafaira vakawanda venguva yokutanga vanorasikirwa nemari inokosha nokuti havazivi kuti ndedzipi mari dzinobviswa kana kuti dzinobviswa.

Kunonyanyoitwa Pamusoro Pemitsetse

Kugadziridzwa kwemari inowanwa kunowanika kunyange kana usingaishandisi:

  • Mubereko wechikwereti chevadzidzi (kusvika ku $2 500)
  • Mipiro yeIRA yegamuchidzanwa (kusvikira ku $7 000 nokuda kwa2024, $8 000 kana iri zera ramakore 50+)
  • Mipiro yemari yaichengetedzwa (HSA)
  • Mibhadharo yeinishuwarenzi youtano inobhadharwa munhu oga
  • Antimony yakabhadharwa (nokuda kwechatanuro dzakapedzwa pamberi pa2019)

Kuisa zvinhu mumuviri

Kuderedza kwakafanira ndicho chisarudzo chiri nyore zvikurusa nokuda kwavashandisi venguva yokutanga zvikurusa. Kana ndyiko dzako dzose dzinoshanda dzichipfuura chitsama chamateshi anodiwa, unofanira kuisa. Vagadziri vezvinhu vomuzvarirwo vanofanira kuva nemusha, vane mabhii makuru okurapa, kana kuti kuita zvipo zvokubetsera. Shandisa Shemel A (Fom 1040) kuronga zvitsaru zvakatsaurirwa.

Zvikwereti Zvemitero Zvinogona Kukuwedzera

Kusiyana nezvikwereti zvinoderedza mari inobhadharwa, zvikwereti zvinoderedza mari yaunobhadhara, zvimwe zvinoda kudzorerwa, kureva kuti unozvibhadhara kunyange usina chikwereti.

  • [ Chikwereti chemari inobhadharwa ([FITC)[FT:1] — Nokuda kwavashandi vane mari yakaderera kusvikira kumari inotambira. Chitsama chechikwereti chinosiana nemari inotambirwa uye nhamba yavana. Shandisa IRS EITC Mutendi wokunzvera kupfavisa.
  • [ Credit for forsal — Kukwira kusvikira ku $2 000 pamwana ari pasi pezera ramakore 17.
  • American Opportunity Task Credit [ — Kukwira kusvikira ku $2,500 pavadzidzi vakakodzera nokuda kwamakore mana okutanga ekoreji.
  • [[[FLT: 0] Nguva Yedzidzo Yebasa [ — Kukwira kusvikira ku $2 000 padzokerero yemitero yekoreji kana kuti kosi dzinorovedzwa basa.
  • [[ITSORO] Mubayiro weTsvene — Nokuda kwavanhu vanotambira mari yakaderera kusvikira kuidzoro vanogovera kugadziriro yokurega basa se 401(k) kana IRA.

Kunzwisisa Mutero Nokufungidzira Vabhadhari

Kana uri mushandi, mushandirwi wako anonyima mari yemari yehurumende pacheck yemari yehurumende pahwaro hwawagovera paFomu W-4. Kuchenjera kunzvera kunyima kwako uchishandisa URIS RUPO RWENHU RWENOKUTIBHATSIRA kudzivisa mari yemari yehurumende kana kuti mari duku inobhadharwa. Kana une mari yokushanda yaunowana pauri, unofanira kufungidzira kuti unobhadhara mitero. Nguva yokutanga inowanzofuratira ikoku ndokutarisana nechirango chakaderera. Shandisa Form 1040-ES kuyera nokubhadhara paIRSCY.

Mitero yeHurumende: Zvaunofanira Kuziva

Hurumende dzakawandawo dzinoti levy mutero wemari. Nyika shomanene (Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming) hadzina mutero wemari yadzinobhadharwa. Kana uchigara munyika ine mutero wemari, unofanira kunyora mutero wakaparadzana. Zvirongwa zvakawanda zvepurogiramu yemitero zvinobata zvose zviri zviviri Hurumende yeRevensport yemagellation wemafomuro, mamiteru, uye zvikwereti zvipi nezvipi nezvipi zvinokosha (se zvikwereti zvomurendi zvemari kana kuti kutarisira kwavana).

Zvikumbiro Zvokufa Zvinokosha Nezvekuwedzera

Kurasikirwa nenguva yokuronga kungaita kuti pave nezvirango nefariro. Heino misi mikuru yegore remutero ra2024 (rakanyorwa muna 2025):

  • [ January 31:[[[FLT]] Vashandiri navabhadhari vanofanira kubudisa W-2s na1099.
  • April 15: kunyora bhadharo remitero yomubatanidzwa kana kuti kukumbira kufutunurwa.
  • [ April 15: uyewo nguva yokuita mutero wako wokutanga unofungidzirwa nokuda kwa2025.
  • [[FT:0] October 15: nguva yakawedzerwa yokunyora (kana bedzi wakumbira futunuko pakasvika April 15).

Kana usingagoni kunyora pasi pakasvika April 15, dhemoni Mafomu 4868 kuti uwane kufutunurwa kunozviitikira kwomwedzi mitanhatu. Cherekedza: futunuro yokunyora shande haisati iri futunuko yokuripira. Kuyera mutero wako ndokutumira muripo panosvika April 15 kudzivisa chirango chokunonoka kubhadharwa.

Vanofanoona Zvikanganiso Zvokutanga Vanowanzoita uye Nzira Yokuzvidzivisa Nayo

Kuziva chakaipa kunogona kukuponesa pakuongorora kana kuti pakudzosera mari kwanonotswa.

  • Kusarura kana kuti Kushaikwa Kworuzivo Rwomunhu oga[[FT:1] — Transpaced SSNS, mazita akashatiswa, kana kuti nhamba dzeakaundi dzebhangi dzisina kururama ndizvo zvinoparira kunonoka kwokugadzira. Cherechedza katatu.
  • Kufara Kuisa Chiratidzo Dzoka rako — Kudzoka kusina chiratidzo hakushandi pamutemo. Mafaira anofanira kushandisa siginicha yemagetsi, kazhinji kazhinji kupfurikidza nokugadzira PIN kana kuti kushandisa gore rakatangira AGI.
  • Kutarira mari inotambirwa — kukanganwa 1099 kubva kubhadharo redivi kana kuti rekubhadharwa kunogona kunyandura chiziviso cheIRS. IRS inogamuchira makopi ezvimiro zvose, naizvozvo vachabata zvisingawirirani.
  • Kusarudza Mugariro Wakaipa wokusafamba — vasakwaniriswa nokuda kwoMusoro wemhuri anosiya mari patafura. Shandisa Mutezo weMitero weIRS unoita kuti uone mugariro wako.
  • [[[NHAU]] Kunzwisisa Zvikwereti Zvomutero — Zvimwe zvikwereti zvinobuda pamwero wemari inotambirwa. Kutaura kuti chikwereti chausina kukodzerwa muuyo unogona kuguma nechirango.
  • Kusachengeta Manyoro — Pashure pokunyora, chengeta purofiti yako yomutero uye tsigira magwaro kwaanenge makore matatu (anenge makore matanhatu kana ukarega mari yaunotambira, makore manomwe kana ukataura kurasikirwa nezvikwereti zvakaipa kana kuti midziyo isina maturo).

Chokuita Kana Usingagoni Kubhadhara Bhizi Remutero Wako

Kana uine chikwereti chemari asi usingakwanisi kubhadhara zvakakwana panosvika April 15, usavhunduka uye usarega kubhadhara mari yacho.

  • [[[FT:0] bhadhara zvikuru sezvinobvira kuderedza mubereko nezvirango.
  • shandisa chibvumirano chetekisi paIndaneti kupfurikidza ne shopu yePRODUCTY. Unogona kuronga mari yomwedzi nomwedzi kusvikira kumwedzi 72.
  • Kukumbira kufutunurwa kwenguva yokubhadhara kwamazuva anosvika 120; pasina mubhadharo wokuronga.
  • Pamusana pokubvumirana pane zvisina kufanira — Mugove wezvisingasviki zvakazara kana uchikwanirisa pahwaro hwenhamo yemari.

Mari yokunonoka kubhadharwa i 0,5% pamwedzi (kusvikira ku 25%), uye mubereko unovapo nezvitsama zvisingabhadharwi. Kumhanya nokuripa kunyange chitsama chiduku chinoderedza chirango.

Zviwanikwa Zvinobatsira Vagadziri Venguva Yokutanga Kubudirira

Shandisa zvinhu zvakasununguka uye zvakaderera zvakagadzirirwa kunyanya vanhu venguva yokutanga.

Mifungo Yokupedzisira Yavagadziri Vezvinhu Venguva Yokutanga

Kudzosera mari yemari inokubatsira kuti ude kubhadhara mutero wokutanga. Zvinokudzidzisa mari yaunowana, mari yaunobhadhara, uye masangano emari anotsigira mabasa anobatsira vanhu. Ipai nechido chokuda kuziva pane kutya. Shandisai midziyo nemimwe mitsva inowanika, ongororai basa renyu, uye musatya kukumbira kubatsirwa. Unyanzvi hwaunodzidza iye zvino — kuronga mapepa, kunzwisisa mari, uye kuronga nguva dzemisangano — zvichakubetsera kwoupenyu hwose mumwaka wemitero. Gore rimwe nerimwe rinova nyore, uye nokurovedza zvishoma, ungatozviwana uchitarira mberi kukuita. Kana uchifanira kukumbira mari shoma kana kuti kukarira kudzoka kwako, kudzoka kwako kwokutanga kwakarurama kunokosha. Kudaidzwa nokuzvimirira kuzvimirira.