Kunzwisisa Kuronga Mutero Mumari Yanhasi

Kuronga mutero hakusati kuchavezve kushandira kuunganidza mari inotambira uye mafaira anodzoka. Chirango chinowirirana gore rose chinobatanidza zvisarudzo zvako zvemari nebumbiro remitero kuderedza mitero zviri pamutemo. Sezvo mwaka wemitero unouya, vanhu namabhizimisi vanoshandisa nzira dzinobudirira vanogona kuchengetedza zviuru zvemadhora pavanenge vachidzivisa zvikanganiso zvinodhura. Kuronga mutero kunoda nzwisiso yakajeka yemari inowanwa, mari inodzorwa, zvikwereti, uye tsinhirano. Nyaya ino inogovera nhungamiro yokupedzisira kugadzirira mwaka wemitero unotevera, misungo inokosha, uye unyanzvi hwakakwirira hunopfuura zvikuru.

Bumbiro remitero rakaoma kunzwisisa uye rakagadziridzwa kazhinji kazhinji, nechinjo dzakadai segadziridzo dzemitengo yokukwira kwemitengo kubhurokesi, zvikwereti zvitsva, uye chinjo kumitemo yeakaundi yokurega basa. Kugara uchiziva kunotsoropodza. Pasi apa, tinoputsa zvinhu zvikuru zvokuronga mutero, kubva pakuwedzera mari kumari inobhadharwa yemitero, uye kupa zano rinoshanda nokuda kwavose vari vaviri vawadhi vanotambira mari nevanovaridzi vebhizimisi.

Kuronga Mutero Kunokosha Kunoitirwa Vanhu

Kusimbisa Magetsi: Kupfuura Mupimo

Mitero inoderedza mari yako inobhadharwa, ichideredza zvakananga chitsama chechikwereti chako. Nepo vateresi vazhinji vanosarudza nokuda kwechitsama chemipimo (icho nokuda kwa 2024 i $1,600 nokuda kwemafaira ari muboka rimwe chete uye $4 200 nokuda kwavaroorani vanowirirana), kuisa mari inogona kubereka mari yakawedzerwa kana ndyiko dzenyu dzinokodzera dzichipfuura zvitsama izvozvo. Chikiyiro chendyiko dzinoshanda chinobatanidza:

  • [ Mufarwa weMortgage - Varidzi vemisha vanogona kubvisa mubereko pa $750 000 wechikwereti chemari yomumba (pazvikwereti zvakatorwa pashure paDecember 15, 2017). Iyi inowanzova chinhu chikurusa chinobhadharwa, zvikurukuru mumakore apakuvamba echikwereti.
  • Chikamu neMitero yomunzvimbomo (SALT) - Unogona kubvisa mari nemitero yezvinhu, asi hwerengedzo yakabatanidzwa inoiswa pa $10 000 ($5 000) kana yakarongerwa pachayo).
  • [[Nhamba: 0] Dzemari neDipatimendi - Kusagadzirwa kwendyiko dzinopfuura 7,5% yemari yako yakagadziridzwa yakaderera (AGI) haishaikwi. Ikoku kunobatanidza mari dzeinishuwarenzi, mirau, uye kunyange mutengo wezvokufambisa nokuda kwokurapa.
  • [FLT] - Mipiro yeCable Mipiro kumasangano akakwaniriswa inoderedzwa kusvika ku 60% yeAGI. Mipiro isiri yeCacash (kupfeka, zvinhu zvomumba) haibhadharwiwo, asi inofanira kuva mumugariro wakanaka uye inokosheswa nenzira yakafanira.
  • [ Mufarwa wefashoni [ - mubereko unobhadharwa pamari yakweretwa kutenga mari inobhadharwa mutero unogona kubviswa, kusvikira kuuwandu hwemari yemutero.

Kuti uwedzere mari yaunobhadhara, funga “kubhadhara mari inobhadharwa na” — somuenzaniso, kubhadhara mari yemipiro yokuyamura yemakore maviri mugore rimwe chete kuitira kuti kuisa mari yemari yacho kubhadhare mari inotevedzerwa, wozotora mari inotarisirwa gore rinotevera. Iyi nzira inoshanda zvakanaka kunyanya pakubhadhara mari yokurapa uye mitero yezvinhu.

Zvikwereti Zvemutero Zvinoparadza Nokuda Kwokuponeswa Kwakananga

Kusiyana nemari inobhadharwa, zvikwereti zvemitero zvinoderedza mari yako yemari yemutero yemadhora nokuda kwedhiropu, zvichiita kuti ive nesimba zvikuru. Zvikwereti zvinoverengeka zvinofuratirwa gore rimwe nerimwe:

  • Chikwereti chemari inotambirwa (ETC) – Yakaiswa pavashandi vakaderera kusvikira kumari inotambirwa ine mwero, iyi chikwereti inotanhamariswa inogona kuva yakaenzana ne $7 030 nokuda kwemhuri dzine vana vatatu kana kuti vanopfuura vanokwaniriswa muna 2024. Kunyange vashandi vasina vana vangakwanirisa nokuda kwechikwereti chiduku.
  • Cream Trust (CTC) - Z $2 000 pamwana ari pasi pezera ramakore 17, ne $177 000 inodzorwa pamwana mumwe.
  • [American Opportunity Task Creen [AOTC] - Anopa $2,500 pavadzidzi vakakodzera nokuda kwamakore mana okutanga edzidzo yapamusoro. Makumi mana muzana echikwereti anosvika pakudzorwa.
  • Indaneti Yedzidzo (LLC)[[FLT]] - Up kusvikira ku $2 000 padzokero yemitero yakwaniriswa nokuda kwemari nemibhadharo, kwete kumakore mana okutanga ekoreji.
  • [ Throgic - Kuvandudza Musha kwakadai seturo tune simba, mahwindo anoshanda zvakanaka, uye kuiswa kwechikwereti muIndation Reduction Act.

Kuti upe izvi zvikwereti, unofanira kusvitsa miganhu yemari yaunotambira uye zvinodikanwa zvokunyora mapepa. Chikanganiso chinozivikanwa navose chiri kukundikana kuronda mibhadharo yemari inodzorwa kana kuti kusimudzwa kwesimba mugore rose. Chengeta marisiti ose neMafomu 1098-T uye 5695 zvinoshanda.

Mipiro Yokurega Basa: Betsero Dzomunguva Pfupi Nedzenguva Refu

Kugovera kuakaundi yokurega basa yakadai se 401 (k), IRA, kana kuti SEP IRA kunopa betsero mbiri: uderedza mari yako yazvino inobhadharwa apo uchivakira mari nokuda kwenguva yemberi. Nokuda kwa 2024, mupiro wakakwirira 401 (k) mupiro i $3 000 ($30,500) nokuda kwezera iroro 50+, uye IRA yegamuchidzanwa mipiro inosvika $7 000 ($5 000) pazera 502) ingava inotsamira pakubhadharwa nemari nero yebasa. Roth IRA haishaiwi mari inokwana, asi kurambira kunokwaniswa mitero inogoverwa mutero mukupa.

Mushandirwi anowirirana nemipiro 401(k) mari yapachena zvikurukuru uye anogona kukurumidzisa zvikuru chivako chepfuma. Kana mushandirwi wako akagovera muwirirano, mupiro wakati wakakwana kuwana muwirirano wakakwana – idzorero yapakarepo pavanhu 100% pakutenga mari. Nokuda kwavanhu vanoshanda vamene, Solo 401(k) kana kuti SEP IRA inobvumira kunyange migove yakakwirira zvikuru yakavakirwa pamari inotangwa namambure.

Imwe nzira yakakwirira i “pashure peimba yeRoth IRA” nokuda kwavatakuri vanopfuura mipiro yemari yeRoth. Kupfurikidza nokupa IRA yegamuchidzanwa isingashandeki uye ipapo kutendeukira kuRoth, unogona kufarikanya kukura kusingabhadharwi. Zvisinei, kushuma kwomutero kwokungwarira kunodikanwa kudzivisa kukwidziridza mitero pamutero pamari yeIRA yapamberi pemari.

Kuwana Mari Yakakodzera Nendyiko: Bhuku Rokutamba Rokupera Kwegore

Kana uchitarisira kuva muboka remitero rakaderera gore rinouya, funga nezvemari yaunowana (semuenzaniso, kunonoka kuripa mari yehohomwe kana kuti yemari inobhadharwa) kuti uderedze mutero wegore rino.

Nechekushandisa, kukurumidza kuderedza mari kunoreva kubhadhara mari inobhadharwa pamberi paDecember 31. Ikoku kunobatanidza kuita mipiro yorupo, kuripira mhindu yembavha kana kuti mitero yenzvimbo (inozviisa kumiganhu yeSALT), uye kuronga miitiro yokurapa. Nokuda kwavanatenzi vebhizimisi, kutenga midziyo iri madikanwa kana kuti migove gore risati rasvika kunogona kuwedzera mari pasi peChikamu 179 kana kuti kuderera kwetsarukana.

Cherekedza nezve “kutengeswa kwemashasha okushambadza” kunotonga pakurasikirwa nokutenga mari: kana ukatengesa chengeteko yakakosha zvikuru mumazuva 30 musati matengeswa kana kuti pashure pokunge atengeswa, kurasikirwa kwacho hakubvumirwi. Zvisinei, kukohwa mitero - kutengesa nzvimbo dzinorasikirwa kuti utsive matsvaro emari inotambirwa — zvinoramba zviri chishandiso chine simba nokuda kwenhoroondo dzinobhadharwa mutero.

Kuwana Nhamba Yemitero Kupfuura Kurega Basa

Zvemaritsi Dzingasarira mari dzemari inobhadharwa zvikurusa dzinowanika. Mipiro imari inobhadharwa mutero, mari inoripira mutero wakasununguka, uye kurasika kwendyiko dzezvokurapa kwakasununguka. Nokuda kwa2024, ganhuriro yomupiro i $4,150 nokuda kwavanhu vamwe navamwe uye $8,300 nokuda kwemhuri, kubatanidza $6 000 inobatwa semari inochengetwa pamudyandigere: pashure pezera ramakore 65, unogona kubvisa mari nokuda kwedonzo ripi neripi neripi (kurega kushamba kunobva mumugwagwa kunobhadharwa semari).

529 Savings College Programs dzinopa kukura kwemitero kwapachena uye kurasika kwendyiko dzedzidzo dzinokwaniriswa (kubatanidza K-12 purofiti kusvika ku $10 000 pagore). Dzimwe nyika dzinopa mari yemari yemari yemari yemitero yemipiro. Nokuda kwemhuri dzinotarira kupfuudzira upfumi kuvana vaduku, zvirongwa 529 zvinogonawo kuchinjwa kuva Roth IRAs nokuda kwomugamuchiri pasi peMitemo yeSACURE 2.0 (pamberi pamusoro pemiganhuro yenduramo yeupenyu).

Mitero Yakabudirira Yevane Mabhizimisi

Zvivako zveBhizimisi Nokusarudzwa Kwechikwata

Sangano rako rinotapudza mitero zvikuru. Vatengi vanoshuma mari yebhizimisi paPhedremend C, vachibhadhara mutero wemari inotambirwa nemabasa omunhu oga (15.3% pamari inotambirwa nemambure). Sangano rinogona kuderedza mutero webasa rokuzvishandira nokukamura mari inotambirwa nokuiswa pamubhadharo nokugoverwa, asi rinoda kubhadharwa nokuteererwa. Makambani anotarisana nemwero wemari yehurumende 21%, asi mari inobhadharwazve apo inogoverwa semitero (mitero yakapetwa kaviri). Zvisinei, nokuda kwemabhizimisi akaronga kudzosa mari yemibhadharo, chirongwa cheCcorp chingava chakanaka.

Makambani ane miganhu yakaenzana (LLC) anopa kuchinjika kupfurikidza nokusaita kuti mutero uende kupfurikidza nokupa mutero (sekushanda kwoga kana kuti mubatanidzwa) asi anogona kusarudza kubhadharwa mutero seS kana kuti C corpe. Chisarudzo chakanakisisa chinotsamira pamwero wemari yako, gadziriro dzokukura, uye mitemo yehurumende. Bvunza nyanzvi yemitero usati waita chinjo dzokuvaka.

Mabhizimisi Akakodzera (QBI) Kutorwa kweDedu

20% mari yemari yebhizimisi inokwaniriswa muChikamu 199A inobvumira varidzi vebhizimisi kubvisa 20% yemari yavo yemamburevhasi pamubhadharo unobhadharwa. Zvisinei, pane ganhuriro dzakavakirwa pamari inobhadharwa, rudzi rwebhizimisi (kushambadza basa kana kuti mabhizimisi anodzorwa), uye W-2 mibhadharo inobhadharwa. Nokuda kwa2024, chikamu chemari inotarwa yeSS TB inovamba pa $191,950 (kusakafanira) uye $83,900 (kubhadharwa). Rongeta yokungwarira reta mutero inogona kuderedza kubviswa kwemari, zvakadai sokuwedzera kweW-2 kana kuti kuwana zvinhu zvinobhadharwa.

uye Chikamu 179

Mabhizimisi anogona kubvisa mutengo wakazara wemidziyo yokukwanirisa nezvinhu mugore rakaiswa mubasa, kusvika $1,20 000 nokuda kwa2024 (nedanho rinopfuura $3,50 000). Kuderera kwebhonasi (60% muna 2024) kumwe kukurumidza nokuda kwezvinhu zvitsva nezvinoshandiswa. Izvi zvirongwa zvinokosha zvikuru mumabhizimisi anokosha semabhizimisi okuvaka, kugadzira, kana kuti kurima.

Kudzivisa Nhengo Dzemhuri Negadziriro Dzokurega Basa

Kubvisa mukwanyina kana kuti vana kunogona kuchinja mari inotakurwa kuva mabhuroko omutero akaderera ndokudzivisa kubhadhara mitero yakaderera nokuda kwavana vari pasi pe 18 (FICA kuhesvura). Mukuwedzera, kugadza Solo 401 (k) kana kuti SEP IRA nokuda kwako umene uye SEMPRA nokuda kwavashandi inogona kuderedza mari inobhadharwa zvikuru apo kutsigira kuvimbika kwomushandi.

Kunyora Nokutsigira

Kunyange zvirongwa zvemitero zvakanakisisa zvinokundikana pasina magwaro akakodzera. IRS inorumbidza kuchengeta zvinyorwa zvine udzame zvemari inowanwa, mariti nokuda kwendyiko dzinotsaurirwa, matanda emakiromita nokuda kwokushandiswa kwemotokari, uye mutengo wemari. Maturusi akavakirwa pamateru akadai seQuick Books, Firecnals, kana kuti kunyange shopu duku duku inogona kubatsira. IRS inorumbidza kuchengeta mafabheti kwaanenge makore matatu kubva pamusi wakarongwa, kana kuti kupfuura kana ukaita mhindu yokunyengera (makore matanhatu) kana kuti kukundikana kushuma mari inopfuura 25% yemari inotambirwa yapasamari (makore matanhatu).

Mitero inofungidzirwa inodikanwa nokuda kwaavo vanokarira kuva nechikwereti che $1040 kana kuti kupfuura. Vanhu vamwe navamwe vanoita mibhadharo yegore rimwe nerimwe kupfurikidza neForm 1040-ES, nepo makambani anoshandisa For 1120-W. Kubhadharwa kwezvirango kunogona kudziviswa kupfurikidza nokubhadhara inenge 90% yomutero wegore razvino kana kuti 100% yomutero wegore rakapfuura (110% kana AGI inopfuura $150 000).

Kufunga Nemitero Yomunyika

Mitengo yemitero yemari inotambirwa yehurumende inosiana zvikuru - kubva padoro munyika dzakadai seTexas neFlorida kusvikira kuinopfuura 13% muCalifornia. Dzimwe dzinotaura kuti shangugick parondedzero dzehurumende, nepo dzimwe dzichibvisa mugadziriro dzakati (muchirevo, vamwe havawirirani neSaLT cappest yehurumende). Kana uchigara munyika ine mutero wakakwirira, rangarira zvirongwa zvokuderedza kuva nechetesi yemitero yepeshoni, zvakadai sokuwedzera mipiro yemitero yapamberi yomudyandigere kana kuti kubviswa. Mukuwedzera, chikwereti chemari chemari yedzidzo, simba, uye kupa ruyamupiro zvingavapo. Iva nechokwadi chokudzosera pamutemo pamutemo kunyange kana une chikwereti chiduku.

Misungo Inowanzosashandiswa

  • Kurangarira Completety of Crypto Transactions [[FLT :1] – The IRS inobata kunyengera sechinhu, kureva bhizimisi riri rose, kutengeswa, kana kuti kushandisa chiitiko chinoparira mutero. Shandisa purogiramu yekombiyuta yezvekusarudza kutora ndyiko nokudzivisa zvikanganiso.
  • Kufungidzira Kugovera Kuduku Kunodikanwa - Kuvamba pazera ramakore 73 (MUTEURO 2), vanani veakaundi yokurega basa vanofanira kutora RMDs kana kuti kutarisana nechirango 25% pachitsama chisati chabviswa. Rongedza mberi kudzivisa zvishamiso.
  • [[NHAU]] Kuda kunyora kana kuripa Nguva - Pesari yepakunonoka (5% pamwedzi) uye mari yokupera (0,5% pamwedzi) yakakurumidza. Kana usingagoni kubhadhara zvizere, faira nokuda kwewedzero (Fom 4868) kudzivisa kukundikana kumira kusiri pembero.
  • [[[NHAU]] Kuisa Ndyiko Dzemunhu Oga nedzebhizimisi -Iyi inokoka IRS bvunzurudzo. Chengeta maakaundi ebhangi akaparadzana nemakadhi okutenga nechikwereti zvebhizimisi rako.

Nguva Yokubvunza Nyanzvi Yemitero

Nepo purogiramu yemitero yako umene ichishanda nokuda kwavawani veW-2, migariro yakaoma kukumbira nhungamiro yenyanzvi. Rangarira kurovha mushandi weCPA kana kuti mushandi akanyoresa kana uine upi noupi weawanopi: mari yebasa rako umene, nzvimbo inorendwa, kutengesa nzvimbo, mafaindi enyika akawanda, kana kuti chinjo youpenyu yazvino uno (roorano, chatanuro, nhaka). Nyanzvi yemitero inogona kukubetserawo kufamba muIRS ziziviso, mirariro, uye kuronga nguva refu.

mhedziso

Kugadzirira mwaka wemitero unouya kunoda kurangarira, kutenderera kwegore. Nokuwedzera zvitsama zvechikwereti, kukumbira mari inowanika, mari inobhadharwa uye mari, uye kushandisa maakaundi emitero, unogona kuderedza zvikuru mutero wako paunenge uchivaka pfuma. Vavaki vebhizimisi vanofanira kunzvera sangano rinenge richiongorora, QBI inoderedza, uye zvirongwa zvokurega basa zvokuwedzera migumisiro. Kuchengeta nokunzwisisa mitemo yenyika kunowedzera nzira yako. Nepo bumbiro remitero rakaoma, mazano aya anogona kugovera hwaro hwakasimba hwebudiriro yemari. Nokuda kwezano romunhu oga rinogadzirirwa kumamiriro ako ezvinhu akasiyana neechitoro anogona kukubatsira kufambira mberi mitero uye kugara pasi poteve.

Nokuda kwokuravazve, nzvera chinyorwa cheIRS pa Tsambax Tshine, [[FT:2] Intedia Intedia kuronga [, uye [[FLT] Nolo Tax Publication Center nokuda kwenhungamiro dzine udzame namacalculation.