Mitero inobviswa ndeimwe yemidziyo ine simba zvikurusa inowanika kuderedza mari yako inobhadharwa nokuchengeta yakawanda yemari yako inodzorwa nesimba. Dora rimwe nerimwe rinogona kubvisa zviri pamutemo mari shoma zvikuru zvokuti hurumende inogona kubhadhara. Zvisinei, mitemo inodzora mari inobhadharwa inogona kuva yakaoma, uye vabhadhari vazhinji vanosiya mari patafura kupfurikidza nokunyanyokoshesa mari yaunogona kutaura kana kuti kurasikirwa nayo. Iyi nhungamiro ichakufambisa nomuzvitsama zvinokosha zvemitero, inosimbisa zvitsauko zvinotengwa zvinozivikanwa navose uye kazhinji kazhinji zvinotengwa, uye inogovera gadziriro dzokuwedzera mari yako apo unodzivisa zvikanganiso. Kana uri mubhadharisi wemi wemitero wokutanga kana kuti akarovedza, iyi nzwisiso ichakubetsera kudzora mutero nechivingo.

Kunzwisisa Mitero

Mutero unoderedza mari yako inobhadharwa, iyo inoderedzawo chikwereti chako chose chemitero. Somuenzaniso, kana ukatambira $50 000 uye uchiti mari inoripirwa $5 000 (Z $45 000) unobhadharwa pa $46 000 bedzi. Mari chaiyo inotsamira pamutero wako uri mumucheto wemucheto: kana uri mu2% yebhuraketi, mari inoderedzwa ye $5 000 inokuchengetedza unoita $3,100. Pane nzira mbiri huru dzokutaura kuti uderedzeredzerekitiro dzinotengwa nedzinoiswa.

Servetuction v.

Chitsama chakatemwa chitsama chakatemwa icho IRS inokubvumira kubvisa mumari yako pasina kuda kunyora ndyiko dzakati. Nokuda kwegore ra2024 remutero, mari inoteshiwa inowirirana i $4 600,000 nokuda kwemitengo imwe, $420,000 nokuda kwevaroorani vanoisa pamwe chete, uye $21,20 000 nokuda kwemisoro yemhuri. Vateresi vazhinjisa vanosarudza deti retsika nemhaka yokuti yakapfava uye havadi kuti vanyorese.

yakatemwa inoda kuti uronge ndyiko dzinofanira (yakadai semhindu yembava, nyika nemitero yomunzvimbomo, ndyiko dzezvokurapa, uye mipiro yomutsa) paShedynal A. Unofanira kuisa mubatanidzwa bedzi kana hwerengedzo yezvinhu zvako zvakaiswa inopfuura mutengo unotarwa womugariro wako weshekitari yako. Kusarudza nzira yokutora ndeimwe yezvisarudzo zvinokosha zvikurusa zvemitero yauchaita. Shandisa purogiramu yeIS A kuona kuti chii chinokwanikisa.

Kusiyana Kwakaita Zvikwereti

Zvinowanzovhiringidza mari yechikwereti nechikwereti. Kuderedza mari yomutero inobhadharwa, nepo chikwereti chinoderedza mari yako yemutero ye $6 000 nokuda kwedar. Somuenzaniso, mari yechikwereti inochengetedza $1 000 mumitero, nepo mari ye $200 000 ingakuchengetedza bedzi $220 (kana uri mu2% bhurakeri). Zvose izvi zvinokosha, asi zvikwereti zvine simba zvikuru.

Kudzidzisa Mitero Kunozivikanwa Navose

Pasi apa pane zvimwe zvezvinenge zvichinzi zvinowanzoderedzwa, pamwe chete nemitengo inokosha uye zvinodiwa.

Kurapwa Nendyiko Dzemazino

Unogona kubvisa ndyiko dzezvokurapa nedzemazino dzisingadzoreki dzinopfuura 7.5% yemari yako yakagadziriswa yaunowana (AGI). Ndyiko dzokuisa zvitsama zvinobatanidza shanyo dzachiremba, mishonga, mishonga, nguva dzechipatara, basa remazino, uye kunyange ndyiko dzakati dzenguva refu dzezvokurapa. Somuenzaniso, kana AGI iri $60 000, ndyiko dzezvokurapa dzinopfuura $4,500 dzinotsarukana. Cherekedza mari yose, kubatanidza maripi neinotisitorendi. Cherekedza kuti miitiro yokushonga nemishonga inopfuudzira mutengo wenyika (pasi pokunyora pamutemo) kazhinji kazhinji haikwani.

Hurumende Nemitero Yemunharaunda (SALT)

Unogona kubvisa mitero yemari inotambirwa yomunzvimbomo (kana kuti mitero yehurumende, asi kwete yose iri miviri) pamwe chete nemitero yenzvimbo, iri pasi pechibage chakabatanidzwa che $5 000 ($5 000) kana yakaroora yakaparadzana). Iyi kepisi yave ichishanda chifo cheTsima reChefu neJobs Act. Vagari vemitero yakakwirira seCalifornia kana kuti New York, iyi ganhuriro kazhinji kazhinji kazhinji kazhinji inoita kuti ive inobetsera zvishoma kupfuura kutora mutengo wakafanira. Zvisinei, kana une mhindu yechikwereti yemari yomutero mukuwedzera kuSaLT, kuisa mari yechikwereti ingaripira.

Fariro Inokosha

Varidzi vedzimba vanogona kubvisa mubereko unobhadharwa padzimba dzinoripirwa ku kutenga, kuvaka, kana kuti kunatsiridza musha wokutanga kana kuti wechipiri. Chitsama chinoshanda kumubereko wechikwereti cheimba pa $350 000 ($375 000) kana vakaroora vakaparadzana). Mitengo inobhadharwa kuwana chikwereti chemota ingavawo isingabhadharwi mugore rinobhadharwa. [FLT: 0] jitabheti Nhamba. 504 Inogoverano ine udzame. Yeuka kuronda fariro yakashumwa paForgial 1098 kubva kuchikwereti chako.

Mipiro Yokupa Zvipo

Mipiro kumasangano anopa mari inogonesa inotadza kana ukaisa. Unogona kubvisa mipiro yemari, zvinhu, uye kunyange ndyiko dzemari dzakagadzirwa apo unenge uchizvipira. Nokuda kwemipiro yemari, unoda chinyorwa chebhangi kana kuti kunyorwa kubva kurupo rwemipiro inopa mari. Mipiro isiri yechibharo inopfuura $500, unofanira kuzadza Desktop 8283. Ziva kuti mari yemari yemari yakaganhurirwa ku60% yemari yako yeAGI nokuda kwemari zhinjisa dzinogoverwa navose. Nokuda kwa 2024, hapana mari inobviswa pamusoro-mutsetse wekupa rupo (wedzero yechinguvana yakaguma muna 2021, naizvozvo unofanira kuzadza chinhu kuti ubetsere. [FT: 0] . orgAKS org / org / org / org / kuti ushatsa masangano akakodzera.]

Ndyiko Dzedzidzo

Mimwe mutengo wedzidzo ingava isingachinjiki, asi mitemo inojekeswa. Kuda kubhadhara nokubhadhara mari zvakapera pashure pa2020, asi unogona kubvisa mari yechikwereti yevadzidzi inokwana $2,500 (pamusoro-pamutsetse) kana mutengo wako wachinjwa AGI uri pasi pezvikwereti zvakati. Kuwedzera, chikwereti cheFimeti Yokudzidza neAmerican Motiontion Concendices zviri zvikwereti, kwete zvitsama, uye zvingava zvinobetsera zvikuru. Kana uri kubhadhara nokuda kwedzidzo yebasa iri pamusoro pemari kuti uchengete kana kuti uvandudze unyanzvi hwako hwebasa, mutengo iwoyo ungaderedzwa sechinhu chakashaikwa (zvireve 2%, izvo zvinoiswa pasi peCTCS neChiteshipiso chavashandi vazhinjisa, haugoni kuwanika nokuda kweiri, vanhu vamwe vanhuwo zvavo, zvisinei kuti vazvitsarutsiki.

Dzimwe Dzidzidzo Dzakakodzera Kucherechedzwa

Mipiro [ kuIRA yegamuchidzanwa kana kuti solo 401(k) inogona kuderedza mari yako inobhadharwa mutero. Mipiro kuAkhawunti yeUtano (HSA) inoonekawo pamusoro pomutsetse. Mari dzehofisi dzepamusha, kufambisa ndyiko (pashoma bedzi nokuda kwechiuto chinoshingaira), uye mari yeamonion (yakaitwa kuti ipedzerwe nguva 2019) zvitsaru zvokuwedzera izvo zvingashanda.

Kusimbisa Mishonga Yako

Kuti uwane zvakawanda kubva mumari yako inoderedzwa, unoda nzira yokuita nayo zvinhu.Hedzi nzira dzinoverengeka dzakabvumikiswa dzokuwedzera mari yako.

Chengeta Zvinyorwa Zvisinganzwisisiki

Seri yefaundi inobudirira yokuchengetedza zvinyorwa zvakarurama. Mugore rose, chengeta fagita yemapinyi, inivhoti, mapepa ebhangi, uye zvimiro zvemitero. Shandisa maapps sedzokuvhura kana kuti kungonzvera magwaro kuti aende kugore. Nokuda kwemipiro yorupo, wana risiti yechipo chiri chose, kunyange zvazvo chiri chiduku sei. Pakurapa, chengeta girabhurobhu yemi nebhadharo. Manyoro haangotsigirisi bedzi mapepa ako kana kuti bhadhanzirosi asi achakubatsirawo kusarudza kana uchiisa chinhu.

Kunyudza Kana Kuti Nguva

Kana ndyiko dzako dzinoshanda dzichichinja, ungabetserwa noku “zvishandisa” kupinda mugore rimwe kuti zvipfuure chitsama chemitero inotsaurirwa. Somuenzaniso, unogona kubhadhara mitero yezvinhu kana kuti kuita mari yemipiro yorupo yamakore maviri mugore rimwe, ipapo tora mari inoteshiswa gore rinotevera. Iyi nzira inoda kusanoronga nokuziva ganhuriro (zvakadai secape yeSALT). Mari zhinji dzinobetsera dzinokubvumira kubhadhara stock inotendwa panzvimbo pemari, iyo inogona kudzivisa kuwana mutero mukuru ndokungogoverazve chitsamanyuko.

Kurega Basa Kwakawanda uye Kuchengetedzwa Kwoutano

Mipiro ku 401(k), 403(b), kana kuti IRA yegamuchidzanwa haibereki uye inoderedza AGI yako. Nokuda kwa2024, 401(k) muganhu uri $3 000 ($30,500) kana une zera ra50+. Kostations (HSA) Akhawunti yemitero yakapetwa katatu: isingakodzerwi kana ikapiwa, inokura mutero wakasununguka, uye inorerutswa apo inoshandiswa nokuda kwendyiko dzinokwaniriswa dzokurapa. 2024 HSA inoganhurirwa $4,501 nokuda kwavanhu vamwe navamwe uye $8,300 nokuda kwemhuri. Zvose zviri zviviri izvi zviri pamusoro pezvitsarudzo-mari, zvinoreva unogona kuzviti kana ukatora mupimo.

Rangarira Magirazi Ari Pamusoro

Kunyange kana usingaisi mari inobhadharwa, unogona kuderedza mari yako inobhadharwa kupfurikidza nemari inobhadharwa iri pamusoro pemitero (inonziwo gadziridzo kumari inowanwa). Iyi inobatanidza mipiro yeHSA, mipiro yeIRA, mhindu yavadzidzi, ndyiko yomudzidzisi (kusvikira ku $300), uye mari dzinobhadharwa nemabasa okushanda. Kutora izvi kunogona kuderedza AGI yako, uko kungakubetsera kukwanirisa nokuda kwedzimwe mari nechikwereti.

Kuchengetedza Software Yemitero Kana Kuti Nyanzvi Yezvokubhadhara Mari

Purogiramu yokugadzira mutero yakadai seTurboTax kana H&R Block inogona kuongorora yoga kuti uone zvakavakirwa pamanyuko ako. Zvisinei, mamiriro ezvinhu akaoma akadai sokuva nezvinhu zvokurenda, mabasa okuzvishandira, kana zvipo zvikuru zvokubatsira vamwe. (kazhinji kazhinji inoda nyanzvi. Mutengi weakaunzi wehurumende (CPA) kana kuti mutengi akanyoreswa anogona kucherekedza mari yaungarasikirwa nayo uye anogona kuvimbisa kuti uwirirane nemitemo yeIRS. Kudhura kwebetsero yenyanzvi kunobviswa sechinhu chinobhadharwa, asi bedzi kana ukapa mari (uye mari inodzorwa kuuriri 2%, zvinoridzwa; zvisinei, mitero yokugadzirira mitero ingava inokwanisa kutengwa nomunhu mumwe nomumwe munhu pacha yake semari yebhizimisi).

Masangano Omutero Nokuda Kwamapoka Chaiye

Vamwe vateresi vane mikana yakasiyana neyavamwe yokuderedza nayo mitero yavo.

Vanhu Vanozviitira Zvavo Nevakasununguka

Kana ukaita bhizimisi rako umene, unogona kubvisa mari dzakawanda dzemari dzebhizimisi. Idzi dzinobatanidza ndyiko dzehofisi yapamusha (kushandisa mutoo wakapfava kana kuti ndyiko chaidzo), midziyo yebhizimisi, migove, kuzvinyoresa kwesoftware, Internet nenhare, zvokudya (50%% inosashanda), uye mari dzeinishuwarenzi youtano (pamusoro-mutsetse). Unogonawo kupira kunzvimbo yeSEP IRA kana kuti 401 (k) ine miganhu yakakwirira zvikuru kupfuura IRA yegamuchidzanwa. Vanhu vamwe navamwe vanobhadhara zvikamu zvose zvesocisocialcial Security neMediada is, asi unogona kubvisa mushandirwi (kusvika 76595]. Nokuda kwokungofunga kwazvo, [FFFS]

Vadzidzisi Nevadzidzisi

K-12 vadzidzisi vanogona kubvisa mari dzekirasi dzinokwana $300 (dzakadai semigove, mabhuku, uye purogiramu yekombiyuta) sechitsama chiri pamusoro apa. Iyi muganhu uri mubhadharo wemitero. Naizvozvo vadzidzisi vakaroora vanogona kubvisa mari inosvika $600. Kutsaurisa kunogadziridzwa nokuda kwokukwira kwemitengo nguva nenguva. Kana ndyiko dzako dzinopfuura $300, zvakawedzerwa zvingava zvinoshanda bedzi kana ukaisa mari inopfuudza uye hwerengedzo yose inokwana inopfuudza 2% yeAGI yako (iyo zvinoregwa nokuda kwavashandi, inoita kuti ndyiko dzezvokuwedzera dzinosaidzwa dzisingagadziriswi).

Varidzi Vedzimba

Kupfuura mubereko wechikwereti nemitero yezvinhu, varidzi vemisha vanogona kubvisa mitero yechikwereti chechikwereti chemba inobhadharwa, mari dzeinishuwarenzi yechikwereti (kubhadhara mari yakakwirira), uye kunatsiridzwa kwemisha zvinorangarirwa kuva ndyiko dzezvokurapa (muchirevo, kuisa magwenya apawiricheya). Vavandudziko dzesimba remagetsi dzinogona kukwanirisa nokuda kwechikwereti chechikwereti panzvimbo pechitsama chamari inobhadharwa. Kutengesa musha wako? Kusvika $500,000 (50 000) nokuda kwemibayiro yemari inopfumba inopfumba) kunoredzwa kana ukasangana nemuri uye unoshandisa miedzo (iyi igwefu, kwete kutsa, asi kunokosha zvakaenzana.

Vashandi Vehondo

Mitezo inoshanda yemauto angabvisa ndyiko dzinofamba (kugara nemhaka yekuchinja zvechigarire kwechiteshi). Vanewo mitemo chaiyo nokuda kwokufamba, mayunifomu, uye mimwe mitero yokurwa. Ona IRSAPURATION 3 nokuda kwoudzame.

Vadzidzi Navabereki

Kuwedzera kumari inobviswa chikwereti chemari inobhadharwa yavadzidzi, vabereki vanogona kutaura kusununguka kupfurikidza nokugovera inopfuura hafu yetsigiro yomwana (kunyange zvazvo kusunungurwa kwomunhu oga kuri $0 kusvikira ku 2025 pashure peTSC Cuts neMobs Act). Zvisinei, mwana haafaniri kunyora chikwereti chejoini (kana kutoti apedzeresa). American Offgation Taxition Incorce and Lifetime Learning Credits, zvikwereti, kwete zvikwereti, asi kazhinji kazhinji zvinokosha zvikuru.

Zvikanganiso Zvinozivikanwa Navose Zvokudzivisa

Kunyange vagadziri vemafaira vane ruzivo rwokuzviwanira vanogona kuita zvikanganiso zvinoderedza mari inoderedzwa kana kuti shoo dzinonyandura.Hedzino ndidzo ngozi dzinonyanyowandisa.

Kukundikana Kuchengeta Maritai uye Mashoko

Kana pasina mapepa akakodzera, IRS inogona kubvumira mari inobviswa. Nokuda kwemipiro yorupo ye $250 kana kuti kupfuura, unoda kunyorwa kukutenda kwemari inobhadharwa nebhizimisi. Nokuda kwemari inobhadharwa, chengeta marisiti, matanda enzvimbo inoiswa musitabhuromu, uye magasi. Marekodhi eIRS anogamuchirwa kana akajeka uye anogona kubudiswa kana akakumbirwa. Mutoro weufakazi uri pauri.

Kufuratira Chinjo muMitemo Yemitero

Mitemo yemitero inochinja kazhinji. Somuenzaniso, Teach Cuts neJobs Act inodokupeta nakaviri kutsaurwa kwetsika ndokubvisa zvitsaru zvakawanda zvokusapinda nokubvisa kwakasiyana - siyana. CareSS Act inobvumira kwechinguvana mari dzinobviswa pamusoro pezvikamu zvokubetsera nokuda kwezvisiri zvinhu mu2020 ne2021, asi zvakapera. Nguva dzose nzvera mabhuku azvino uno eIRS kana kuti bvunza nyanzvi usati wada kutora chitsama chayamuchichiripo.

Kunyanyoshanda Muhofisi Yepamusha

Vanhu vanoshanda vamene kazhinji kazhinji vanoda nenzira isina kufanira kubviswa kwehofisi yepamusha. Kukwaniriswa, nzvimbo yacho inofanira kushandiswa nguva dzose uye bedzi nokuda kwebhizimisi. Haigoni kupetwa kaviri sekamuri rokutambira kana kuti nzvimbo yokutambira yavana. Mutoo wakapfava unobvumira $5 patsoka nhita nhita huru dzinosvika 300, idzo dziri nyore zvikuru uye dzakakotsekana. Kumutoodha wenguva dzose, unofanira kuronda ndyiko chaidzo. Vashandiri vanoshanda kure havakwani nokuda kwehofisi yemusha pasi pomutemo wazvino uno.

Kubatanidza Mabhizimisi Nendyiko Dzomunhu Oga

Zvitsama zvako zvebhizimisi zvinofanira kuva bedzi zvendyiko dzinozivikanwa navose uye dziri madikanwa nokuda kwebasa rako. Ndyiko dzomunhu oga . zvakadai sokuenda kuhofisi yenguva dzose, zvokudya neshamwari, kana kuti kufamba kusina bhizimisi(haiwanwa hazvo kuti zvisashaikire. Kana ukashandisa chinhu murutivi nokuda kwebhizimisi uye zvimwe nokuda kwokushandisa kwomunhu oga, unofanira kugovera mari yacho nenzira yakafanira. Chengeta maakaundi ebhangi akaparadzana nemakadhi echikwereti nokuda kwokupfavisa nzira.

Kunonoka Kana Kuti Kusakarurama

Kunonoka kugona kuguma nezvirango nefariro, uye ungarasikirwa nezvitsama kana kuti zvikwereti zvinoda kunyorwa panguva yakafanira. Kana usingagoni kunyora panhambo yaApril, kukumbira futunuko (Form 4868) pamusi wakafanira. Kufutunurwa kunokupa kusvikira paOctober 15 kunhau, asi mutero upi noupi unofanira kusara uchigere kubhadharwa pa April 15 kuti udzivise fariro nezvirango. Kunzvera masvoswo nokushandisa e-faira kuderedza zvikanganiso. IRS sy e-file yagadzira nzverongedzero dzezvikanganiso.

mhedziso

Kuronga zvinoda mubatanidzwa wezivo, kuronga, uye kuronga. Kutanga nokunzwisisa kana kuderedza kana kuti kuisa zvinhu kuri kwomuzvarirwo kunopa betsero huru. Chengeta zvinyorwa zvakakwana mugore rose, rongai mari yenyu inosakisa apo inobvira, uye rongedzei pamusoro pemitero yakadai semupiro weHSA. Para ngwariro chaiyo kumari inoshanda kubasa rako kana kuti kumugariro wako womunhu oga inoparira betsero huru. Kuchengeta zvinyorwa zvemari inosaidzwa mumusha, dzidzo, uye basa rehondo zvose zvinova nemikana yechienzi. Pakupedzisira, ramba uchiziviswa pamusoro pechinjo dzomutemo uye funga nezvenhungamiro yemari yako kana upenyu hwako hwakaoma. IS inogovera pfuma yepfuma yemari pa [FLD:] , [[FFFF:] 17]