Kunzwisisa gadziriro yemitero kunokosha mukutarisira mari yomunhu oga, kuwirirana nemisengwa yapamutemo, uye kuita zvisarudzo zvokuziva izvo zvinotapura pfuma refu. Mitero inoisa mari yemitero yehurumende yakakomba yakadai segadziriro dzepfuma, dzidzo, dzidzo, dziviriro yourudzi, uye mambure okudzivirira nzanga. Kunyange zvakadaro vanhu vazhinji vanowana mitemo yemitero ichivhiringidza, zvikurukuru sezvo mitemo inovapo. Iyi nhungamiro inopa kuputsika kukuru kwemarudzi emitero yaungasangana nayo, nzira dzakarurama, unyanzvi hwokuderedza mutoro wako, uye pfuma yokukubetsera kudzora gadziriro yacho nechivimbo.

Mitero Yakasiyana - siyana uye Zvainoita Kuti Uite

Kunzwisisa mitero iyi kunobatsira kutarisira kuti zvinhu zvisafamba zvakanaka uye kuti zvisazoitwa zvakanaka.

Mutero Wemari

Mutero wemari unoiswa pamutero wemari inotambirwa kubva pamubhadharo, mibhadharo, uye mhindu dzebhizimisi. Mutero wemari yemari yehurumende unoshandisa gadziriro inofambira mberi, kureva mari yakakwirira inobhadharwa pamutero wakakwirira wemari inobhadharwa. Mitengo ingabhadharawo mutero wayo imene inobhadhara mari yainowanwa, nemimwe ichishandisa mwero wakatsarukana uye mimwe gadziriro inofambira mberi. Maruwa manomwe – Alaska, Florida, Nevada, South Dakota, Telessenessene, Texas, naWyoming – haana mutero wehurumende, kunyange zvazvo mitero yomunzvimbomo ichiri kushanda.

Kutenga Mutero

Mitero inoiswa pamutero unotengeswa panzvimbo yezvitoro namamwe mabasa. Mwero inosiana nehurumende nenzvimbo, kubva pa0% mumibatanidzwa seDelaware neNew Hampshire kusvikira kuinopfuura 10% mumamwe maguta. Kupa mhosva kazhinji kazhinji kunoshandiswa kukutenga, mirimo inonyorwa nachiremba, uye zvinhu zvinokosha. Kutenga kwapaOnline kungaiswawo pamutero pashure pe South Dakotal. Wayfair v.

Mutero Wezvinhu

Mitero yenhumbi inobhadharwa panzvimbo kana kuti dzimwe nguva zvinhu zvomunhu oga (sezvinei, motokari kana kuti midziyo yebhizimisi). Mitero iyi inoiswa pahwaro paukoshi hwenzvimbo, zvikurukuru mari yezvikoro zvomunzvimbomo, madhipatimendi omwoto, maraibhurari, uye kugadziridzwa kwemigwagwa. Mativi anosiana zvikuru, uye zviremera zvizhinji zvinopa kusunungurwa nokuda kwavakuru, varwi, kana kuti dzimba dzokugara huru (kuregedzerwa kuparapati).

Guta Rinowana Mutero

Mhindu dzinobva mukutengesa zvinhu zvakadai semasheya, zvisungo, nzvimbo, kana kuti zvikamu zvinounganidzwa idzo dzinodzorwa nemutero wemari. Kuwana kwenhambo pfupi (dzinochengetwa pasi pegore rimwe) kunobhadharwa pamwero wemariwo zvayo. Nzvero dzenguva refu (dzinoonekwa rinopfuura gore rimwe) dzinofarikanya mwero yemitengo yakaisvonaka ye 0%, 15%, kana kuti 20%, zvichitsamira pamari yako. NISATING INISATISFY (NISI)[FT: 1] ye3,8% ye3, kungashandawo kumari yakakwirira.

Mutero Wemaune

Masangano anobhadhara mitero nemhindu dzawo. Mwero wemitero yesangano rehurumende wakabatanidzwa wa 21% pashure peMutengo Wokucheka uye Mutengo weMabasa wa2017. Zvisinei, mabhizimisi maduku akawanda anoumbwa semasangano eS, maLLC, kana kuti zvikwata, uko mari inopfuura kumitero yomunhu oga yamuridzi uye inobhadharwa pamwero mumwe nomumwe.

Mutero Wokuzvitsigira

Vanhu vanoshanda vamene vanofanira kuripira zvose zviri zviviri mushandi nomushandirwi zvikamu zveSocial Security neMedicasare, hwerengedzo yemari inotambirwa pambure inoripirwa mari inokwira kuSocial Security. Uku kuri kuwedzera kumutero wemari inotambirwa. Mitero yehafu yemitero yokuzvishandira inowanika kupfuura mitero.

Kunzwisisa Zvibvumirano Zvemitero uye Kubudirira

Vateresi vakawanda havanzwisisi kuti zvikwaniriso zvemitero zvinoshanda sei. Kuva mu2% hakurevi mari yose inobhadharwa pa2%. Panzvimbo pezvo, zvikamu zvemari inobhadharwa zvinobhadharwa pamwero wakaderera kusvikira pazasi. Mutero unobhadharwa [ - wakakwana unokamurwa nemari yose inowanzova yakaderera zvikuru kupfuura mwero wemari inobhadharwa. Somuenzaniso, faira imwe ine $60 000 mumari inobhadharwa mumibhadharo inobhadharwa mu 2025% ingabhadhara $1,12% pa $5,5,5,5, uye 22% pamutengo unotevera bedzi $47,1.50. Kunzwisisa ikoku kunodzivisa mari inodzorwa pamusoro pemari iri pamusoro pe “pamabhiriziremurefurefuremu."

Kupeta Mitero Yako: Nhungamiro Nenzira

Kunyora kwakarurama kunoderedza ngozi yokuongorora, kunonoka, kana kuti zvirango.

Nhano 1: Unganga Magwaro Ose Anodiwa

Chengeta mashoko anowanwa akadai seW-2s (kubva kuvashandirwi), 1099-NEC (kubva kuvatengi), 1099-INTS (fariro yomugove), 1099-Dabhu yemari, uye marekodhi emari inobhadharwa. Uyewo unganidza mariti nokuda kwemitengo yeripo: mubereko yeri yeripo yeripo: fomu 1098, mabhii emutero wenzvimbo, mari yokupa yokubetsera, marekodhi ezvokurapa, uye dzidzo zvinodaidza (1098-T). Kana ukaita mari yemitero, wawawawawawawawawawawanwa marekodha.

Nhano 2: Sarudza Mutoo Wokunyevenutsa

  • Faira yeFree (IRS): Inowanika kuvateresi nemari inogadziridzwa pasi pe $73 000 (2025). Zvirongwa zvesoftware zvakabatanidzwa zvinopa kugadzirira kutungamirirwa pasina mutengo.
  • [[NHAU] SOUDYA yemitero: Programs dzakadai seTurboTax, H&R Block, uye Trusaer ine mitsetse yapachena neinobhadharwa nokuda kweminhetedzano yakasiana.
  • Mugadziri wemitero wemitero wemibato: CPAS, vamiriri vakanyoresa, uye magweta omutero vakakodzera nokuda kwedzorero dzakaoma kubatanidza mabhizimisi akawanda, mari inopinzwa mari, kana kuti nhau dzamarudzi ose.
  • Inenge ichiri kugamuchirwa asi inononoka zvikuru uye inokanganisa. Ifaira inorumbidzwa nokuda kwezvinenge zvabviswa nokukurumidza zvikuru uye kusimbiswa.

Danho 3: Pedzisa Mutero Wako

Shandisa IRS Game 1040 (kudzosera kukuru). Kana une mari yakapfava, 1040-SR inowanika nokuda kwavakura. Gudzira mari yose, taura zvitsama nechikwereti, uye verenga mutero. Kudzorwa kwezvitsama zviviri zveNhare dzeNyama netsananguro yeakaundi yebhangi nokuda kwokuisa zvinhu zvakananga kwakarurama.

Danho 4: hwirudzura uye Zviise Pasi

Nzvera zvikanganiso zvemasvomhu, kusawana siginicha, uye rudungwe rwakasiiwa. E-file ine kuchengeta kwakananga inovimbisa redund inomhanya zvikurusa – kazhinji kazhinji mukati mamazuva 21. Kana une chikwereti, bhadhara kupfurikidza nenguva kuti udzivise zvirango nefariro.

Kufema

  • [[[FRAT:0]] nguva yomutero womunhu mumwe nomumwe: April 15 (kana pasina kupinda pakupera kwevhiki kana kuti zororo, ipapo zuva rebhizimisi rinotevera).
  • Firimu: Fire 4868 kuti awane futunuko inozviitikira yemwedzi mitanhatu kusvikira ku15 October 15. Zvisinei, ikoku kunotambanudza bedzi nguva yokuronga kurongedzerwa, kwete nguva yokuripirwa. Mutero upi noupi unofanira kubhadharwa panosvika April 15 kudzivisa fariro nechirango chokunonoka.
  • [[FLT: 0] Mitero yakatarwa: Yaidiwa pagore rimwe nerimwe (April 15, June 15, September 15, uye January 15 yegore rinotevera) nokuda kwaavo vane mari huru inowanwa isiri yapamusha.
  • Misi yemitero yeruwa: Nyika zhinjisa dzinowirirana nenguva yemubatanidzwa, asi dzimwe dzine misi yakasiana kana kuti futunuko. Nzvera website yedhipatimendi remari rehurumende.

Mitero Nezvikwereti: Kuderedza Kuvimbika Kwako

Zvishandiso zviviri zvine simba zvinogona kuderedza mari yako yomutero: mari inoderedzwa inobhadharwa pamutero, nepo zvikwereti zvichideredza mari yomutero yaunofanira kukwereta nedhora.

Kurongerwa Mutero Kukuru

  • Kuderedzwa kwakaipa: Kwa2025, chitsauso chakafanira i $15 000 nokuda kwemafaira maviri, $2 500 nokuda kwemisoro yemba, uye $30 000 nokuda kwavaroorani vanorongedza pamwe chete. Vabhadhari vazhinjisa vanotora ikoku kana kuchipfuura zvitsama zvavo zvakaiswa.
  • Yakatemwa:[[FLT: 1] kubatanidza mubereko wemo (pamari yokutanga $750 000 yechikwereti), mitero yehurumende neyemunzvimbomo (yakaiswa pa $10 000), mipiro yorupo, ndyiko dzezvokurapa dzinopfuura 7,5% yeAGI, uye kurasikirwa netsaona munharaunda dzinoziviswa nomutemo.
  • Kupfuura napamusoro-pamutsetse: Kunyange kana usati waisa mipiro, unogona kubvisa mipiro kuIRAs, Maakaundi eHS (HS), chikwereti chavadzidzi (kusvikira ku $2,500), uye ndyiko dzomudzidzisi (kusvikira ku $300).
  • Ndyiko dzebhizimisi:[ Vanhu vanoshandira vamene vanogona kubvisa ndyiko dzebhizimisiwo zvadzo nedziri madikanwa dzakadai sehofisi yapamusha, migove, kufamba, uye mari dzeinishuwarenzi dzoutano.

Mbiri Huru Yemitero

  • [[FT: 0] Chikwereti chemari inotambirwa (ETC):[[FT:1] Chikomborero chakafanira chavashandi vakaderera kuvaripi vane mwero. Chikwereti chikuru muna 2025 i $7,830 nokuda kwemhuri dzine vana vatatu kana kuti vanopfuura. Usafuratira ikoku kunyange kana uchiwana pasi pechikumbaridzo chehomwe.
  • Mutero wavana (CTC): Kukwira kusvikira ku $2 000 pamwana ari pasi pezera ramakore 17, ane $17 700 inopfuudzwa (2025). MaFaseout anovamba pa $20 000 000 nokuda kwavaroorani).
  • American Opportunity Task Creentive Creding (AOTC): Kukwira kusvikira ku $2,500 pamushandi woga woga wavadzidzi kwamakore mana okutanga edzidzo yesekondari. 40% inodzokoroka.
  • Indaneti Yedzidzo (LLC): Kukwira kusvikira ku $2,000 padzokero padzinotevedzerwa nokuda kwomwero upi noupi wedzidzo yesekondari. Haishaikwi asi haisati iri muganhu pachiverengero chamakore.
  • Mwana ne Cursurent Creasurence: [$3 000] nokuda kwomunhu anokwaniriswa kana kuti $6 000 nokuda kwemari mbiri kana kuti kupfuura, kufukidza ndyiko dzetarisiro apo unenge uchishanda.
  • Credit Livres (Ichikwereti chaMari yePFU): Nokuda kwemari yakaderera neyapakati inobhadharwa iyo inopa mari kumaakaundi okurega basa. Yakafanira 50% yemipiro (yakacherwa pa $2 000 nokuda kweUS $2 000 nokuda kwevasina kuroora, $4,000 nokuda kweroorano yakabatanidzwa).

Vative. Vachiiswa: Ndechipi Chaunofanira Kusarudza?

Zvikurukuru, unofanira kuronga kana ndyiko dzako dzakakodzera dzichipfuura chitsama chinotsaurirwa chakati kuti chemari inotsaurirwa nokuda kwenzvimbo yako yokuisa mari. Zvisinei, rangarirawo kuti zvimwe zvinobviswa zvinoiswa pauriri (sezvinei, ndyiko dzezvokurapa) nekepisi (SALT). Shandisa purogiramu yemitero kana kuti nyanzvi kuenzanisa zvose zvazvingasarudzwa. Kuvaridzi vemisha vakawanda nechikwereti chemoriketi uye mitero yehurumende yakakwirira, kuisa mari inopa mari inoridzwa pasinei zvapo nekepisi yeSALT.

Kukanganisa Kwemitero Kunoitwa Kakawanda uye Nzira Yokukudzivisa Nayo

Kunyange zvikanganiso zviduku zvinogona kunonotsa kudzorwa kana kuti kumutsa chiratidzo cheIRS.

  • Mugariro wokurongedza wakarurama: Sarudza nokuchenjera. Somuenzaniso, musoro wemba unogovera mutengo wakakwirira zvikuru unotsamira pamunhu asina kuroorwa, asi unofanira kusvitsa mipimo chaiyo (asina kuroora, uchibhadhara inopfuura hafu yemutengo wokuchengeta musha nokuda kwomunhu akakwaniriswa).
  • [[[NHAU]] Mari inodzorwa:[[FT:1] IRS inogamuchira makopi eW-2 na1099. Kana ukakanganwa kushuma, IRS ingatumira chiziviso ndokuyera mutero wokuwedzera pamwe chete nezvirango.
  • [[NUMBO:0] MHAKA: Kuwedzera kwakapfava kana kuti kubvisa zvikanganiso. Shandisa chisoftware chemitero kana kuti kudzokororwa nemaoko.
  • Kuisa siginicha kana kuti kusakarurama: Vakwanyina vose vari vaviri vanofanira kusaina joini. E-firifili inoda mari yakagadziridzwa yapamberi pegore (AGI) kuti ishande sesigini yako yamagetsi.
  • Kukanganwa kunyora vhuro mamiriro ezvinhu: Kana ukawana mari munyika dzakawanda, ungada kunyora pasi risiri sachigaro kana kuti nhambo yegore. Kukundikana kuita saizvozvo kunogona kuguma nezvirango zvehurumende.
  • Hausati uchitaura zvikwereti zvaunokodzera: Vabhadhari vazhinji vanopotsa EITC, Saver’s Creen, kana kuti chikwereti chedzidzo nemhaka yokuti vanofunga kuti havakwani. Nguva dzose nzvera kuoneka.
  • [[[NHAU: 0] Kunonoka pasina kufutunurwa kana kuti kunonoka: Zvirango zvazvino uno zvakakwirira kupfuura kunonoka kuripirwa. Zvinhu kunyange kana usingagoni kuripa – IRS inopa rongedzero.

Kuronga Mitero Kunotsigirwa Mugore Rose

Kuronga kunogona kuderedza mutero wako woita kuti mari iwedzere. Funga nezvenzira idzi dzegore rose:

  • Mipiro yokurega basa yakakurisa: Mipiro ku 401(k), maIRA, uye HS Kuderedza mari inobhadharwa mutero. Nokuda kwa 2025, 401(k) miganhu i $3,500 ($31,000 (Z $53,000) +), IRA ganhuriro dziri $57 000 ($5,50), uye HSA ganhurro i $4,300 nokuda kwemhuri).
  • mutengo wemitero wakaipa: Tengai mari inoshandiswa kutsiva mibayiro yemari, kuderedza mutero wenyu. Unogona kubvisa mari yehove inotapurwa yehove ye $3 000 (Z $3 000) pagore.
  • Mipiro yokuyamura: Panzvimbo pokupa zvitsama zviduku gore negore, rangarira mari yomupi yakatsikirirwa kukurumidzisa mari yemari kupinda mugore rimwe, ipapo kugovera kurupo munguva.
  • Kuisa zvisina kururama:[[FT:1] Donsa Muitiro mutsva W-4 kumunhu waunoshandira kana ukawana bhangi guru (rikurukuru iri chikwereti chemubereko kuhurumende) kana kuti chikwereti chedziyo huru panguva yomutero.
  • Rangarira mari yaunowana nedzinoderedza: Kana uchikarira kuva muboka rakaderera gore rinotevera, mari inononoka (mutoo, kunonoka kweinivsible). Kana uchikarira bhurakeri yakakwirira, kurumidzisa mari kupinda mugore razvino.
  • Shandisa Assurance of Health Savings Accounting (HSA): Batsiro yemitero: mipiro inobhadharwa, kukura hakuna mutero, uye kurasika kwendyiko dzakakwaniriswa dzezvokurapa hakubhadharwi.

Nyika Nemitero Yemunharaunda: Kufunga Nezvemitero

Mukuwedzera kumitero yehurumende, mutoro wehurumende nomutero womunzvimbomo unogona kuva unokosha.

  • Mutero wemari weruwa: nyika pfumbamwe hadzina mutero wemari; dzimwe dzine mwero yakabva pa 2% kusvikira kuinopfuura 13% (California). Mamwe maguta akafanana neNew York City anorairawo mitero yemari yomunharaunda.
  • Mutero: Kunyange munyika dzisina mutero wemari, mwero yemitero yokutengesa inogona kuva wakakwirira. Mitero yomunzvimbomo yokutengesa ingawedzera 2-4% pamwero yehurumende.
  • Mutero wakafanira: Mwero inosiana zvikuru. Somuenzaniso, mitero yezvinhu pamusha wezvinobudisa nhau ingava pasi pe $100,000 muAlabama asi inopfuura $7 000 muNew Jersey.
  • Shandisa mutero: Nyika zhinji dzinoda kuti vagari vemo vabhadhare mutero pakutenga zvinhu zvisiri zvenyika kana mutero wokutengesa usina kuunganidzwa.

Dzimwe nyika dzinonyanya kushamwaridzana nevanhu vanorega basa nokubhadhara mari yemutero nokusabhadhara mari yeSangano Revanhu kana kuti mari yomudyandigere.

Mabhuku Okubatsira Mutero uye Mashoko

Zviwanikwa zvakawanda zvakasununguka uye zvemabhizimisi zvinogona kubatsira:

  • IRS Website (IR.S.gov): Manyuko apamutemo nokuda kwezvimiro, mirayiridzo, zvinyorwa (seChitupaniso 17: Federal Income Metax), uye zvishandiso zvinobetsera mutero.
  • Faira yeFree: Fayili yeIS, inopa Window yakasunungurwa [ kugadzirira mitero inotungamirirwa pasina mutero nokuda kwavabhadhari vakakodzera.
  • VITA (I PIS inodzorwa Mutero): . Rubatsiro rwemitero rwapachena nokuda kwavanhu vane mari yakaderera, urema, kana kuti chiNgezi chakaganhurirwa. Kuwana nzvimbo kupfurikidza neIRS VITARA locator.
  • [[NHAU] YOKUPARADZA] (Rubatsiro nokuda kwaVakweguru):[[FT:1] Rubatsiro rwapachena nokuda kwaavo vane makore 60 navakuru, kazhinji kazhinji vanopfuura nomupurogiramu yeAARP yeMitero-AICE. Wana nzvimbo pa [AAAAAARP TEAICE-ICE[].
  • [ .Taxparer Service Transversence (TAS): Sangano razvimirira mukati meIRS rinobetsera kupedza zvinetso neIRS. Website: mubhadharo wehafura..gov
  • [ Vagadziri vemibato: Tsvaka CPA, mumiriri akanyoresa (EA), kana kuti gweta remitero rinobvumidzwa. Nzvera magwaro nemvumi. IRS inochengeta kabhii yavagadziri vemitero vehurumende.
  • nzvimbo dzenzanga dzenharaunda kana kuti maraibhurari eko: Dzakawanda dzinopa masuo okugadzirira mitero apachena kana kuti nzvimbo dzinogamuchirwa VITA/TCE mukati memwaka wemitero.

Kuramba Uchiziva: Kuchinja Kunoita Mitemo Yemitero

Mitemo yeMitero haiwirirani. Tsoro neChitatiso cheMitero muna 2017 zvakaita chinjo huru dzinozoitwa pashure pa2025. Somuenzaniso, kuderera kwetsika nemwero yakaderera yomunhu oga zvakarongwa kudzosera kumwero usati wasvika 2018 kutoti Congress inoita. Zvimwe zvirongwa zvakadai sechepest nerevo yemitero yemwana zvingachinjawo. Zvinyorere ku [[FLT:] mashoko anobudiswa[ kana kuti manyuko ezverejiro ezve mari. Gara upinde masangano ezvokubhaudzo nezvinobhadharwa uye zvinofungidzirwa kuti udzivise chishamiso.

Kupfurikidza nokuvaka nzwisiso yakasimba yegadziriro yemitero, unogona kuderedza funganyo, kudzivisa zvirango, uye kushandisa zvakazara mabanza okuchengeta yakawanda yemari yako yakaoma. Shandisa zvinhu zviri pamusoro apa kupfuurira kudzidza, uye rangarira kubvunza nyanzvi nokuda kwezano rakarongeka kuwiriraniswa nemamiriro ako ezvinhu.