Mitero inobviswa izvimwe zvezvishandiso zvine simba zvikurusa zvinowanika zvokuderedza mitero yako yegore negore. Nokunzwisisa kuti basa rinoshandiswa sei uye kuti rinoshanda sei kumamiriro ako ezvinhu, unogona kuderedza mari yako inobhadharwa mutero wochengeta yakawanda yezvaunowana. Iyi nhungamiro yakawedzera inoputsa rudzi rwuri rwose rwechitsama, inotsanangura zvirongwa izvo vateresi vanobudirira vanoshandisa, uye inosimbisa nhano dzinozivikanwa navose kuti vadzivise. Kana uri mushandi akatambira, mushandi akasununguka, kana kuti muridzi muduku webhizimisi, mashoko pano achakubetsera kuita zvisarudzo zvakachenjera mugore rose.

Chii Chiri Mitero Uye Inoshanda Sei?

Kuderedza mutero kunoderedza mari yaunotambira inobhadharwa pamutero. Somuenzaniso, kana uchiwana $60 000 woda kubhadhara $100,000 (Z $550 000), unobhadhara mutero pa $50 000. Zvibhadharo hazvifanani nezvikwereti, zvinoderedza mari yako yemutero yemadhora nokuda kwemadhiravhani. Asi zvinoderedza mari inobhadharwa mari inobhadharwa pamutero, saka zvinotsamira pamutero wako unori wakaderera. Chitsama chinokwana $20 000 chinokuchengetedza kana uri mudura re $2%, asi $100 bedzi kana uri mubhiriji reganda re10.

Mishonga inowira mumapoka maviri akafara: pamusoro-mutsetse wezvitsaru, zvinobviswa kubva pamubereko mukuru kuti zvisvike pakugadziridzwa kwemari yazvinotapurwa (AGI), uye pasi pezvitsanuro zvapamutsetse [, zvinotorwa pashure pokunge AGI yaverengwa. Pasi-mutsetse unokamuraniswazve mumitengo yakarongwa nezvitsaruso. Sangano rimwe nerimwe rine mitemo yaro, miganhuro, uye mabanza akakodzera.

Window yeIndasitiri yeRevenue Service (IRS) inogovera nhungamiro inokwanirisa pamusoro pezvitsaru mu [, asi kunzwisisa mufananidzo mukuru kunoita kuti ufakazi hutange kuva nyore kushandisa.

Servetuction v.

Zvinhu Zvinokosha

Kuderedza mari yaunotapudza iIRS yakadzika yaunogona kubvisa pamari yaunotambira pasina kunyora ndyiko dzakananga. Inogadziridzwa gore negore nokuda kwokukwira kwemitengo. Gore ra2024, zvitsama zvinotevedzerwa zviri mumitero ndeizvi:

  • [[[FRANT:0] riri roga: $1600,00]
  • [[[FT:0] Kubatanidza:[[FLT] $220,00]
  • [[FOL:0] Head yemhuri:[ $2,00]
  • Kuparadzana:[[FLT] $1600

Vateresi vazhinjisa vanoshandisa kuderedzwa kwomupimo nemhaka yokuti kwakapfava uye, pashure peTrust Cuts and Jobs Act (TCJA) inodokupeta nakaviri nhamba muna 2018, vanhu vazhinji vanowana kuti ndyiko dzavo dzose dzinoiswa mumitengo inotsamira panzvimbo inotsamira. Chitsaurirwa chakafanira chinobatanidzawo chitsama chokuwedzera nokuda kwavabhadhari vemitero vane 65 kana kuti vakura kana kuti mapofu.

Nguva Yokuita Nayo

Kuisa zvinhu kune mufungo bedzi apo hwerengedzo yako yose inokwana inopfuura kuderedzwa kuri madikanwa kwenzvimbo yako yokuisa mari.

  • [[Ndyiko dzamadhindindi nemazino]: Unogona kubvisa ndyiko dzinopfuura 7,5% yeAGI yako. Ikoku kunobatanidza mari dzeinishuwarenzi youtano (kana isina kubhadharwa ne $36) yepamberi peta), shanyo dzachiremba, mishonga, uye mabasa okutarisira nguva refu.
  • Chimiro chenzvimbo nemitero yomunzvimbomo (SALT): Ungabvisa mitero yemari inotambirwa kana kuti mitero yehurumende yokutenga, uye mitero yezvinhu, kusvikira kumuganhu wakabatanidzwa we $5 000 ($5 000) kana yakaroora yakaparadzana).
  • [ mubereko wemari: Fariro pa $750 000 yechikwereti chomusha wokutanga kana kuti wechipiri haibviri. Mapfundo anobhadharwa pachikwereti chomusha angaderedzwawo.
  • Mipiro yeCable: Mipiro yeCack kumasangano akakwaniriswa inobhadharwa kusvika ku 60% yeAGI yako, ine mitemo chaiyo yezvinhu zvisiri zvecash nezvinhu zvinoongwa.
  • Kurasikirwa nokuba: Kurasikirwa bedzi nengwavaira dzakaziviswa nehurumende zvino hakubviri.

Zvimwe zvinoda kubhadharwa zvinosanganisira kubhejera (kukunda pakuhwina), mari inobhadharwa nevashandi vakawanda (vanenge vabhadharwa vashandi vakawanda kusvika muna 2025), uye mari yemari inobhadharwa.

Kusarudza

Haungagoni kutora zvose zviri zviviri zvitsaru zvinotapurwa nezvinenge zvaiswa mugore rimwe chetero remutero. Zvisinei, wakasununguka kuisa zvimwe zvinhu mugore rimwe ndokutora zvitsama zvinotapurwa zvinotapurwa mune rimwe. Uku kuchinja kunozarura suo kugadziriro inonzi [ kurumbidza, inokurukurwa gare gare. Kana wakaroora wakaparadzana, varoorani vose vanofanira kushandisa mutoo mumwe chetewo (zvose zviri zviviri mupimo kana kuti zvose zviri zviviri zvakagadzirwa).

Mitsetse iri pamusoro: Betsero Yokuderedza AGI

Zvitsaru zvapamusoro pamutsetse zvinonyanya kukosha nemhaka yokuti zvinoderedza AGI yako zvakananga. AGI yakaderera inogona kuwedzera kujeka kwako nokuda kwedzimwe betsero dzemitero, zvakadai seChild Leasurence, Ice Intefied Tail for for for forod for force, uye mari inobviswa yemipiro yeIRA. Zvizhinji zvinobviswa pamusoro pomutsetse zvinowanika kunyange kana usina kuisa zvinhu.

Zvitsaru zvinozivikanwa pamusoro pomutsetse zvinosanganisira:

  • Ndyiko dzedzidzo: Vadzidzisi nedzimwe nyanzvi dzezvikoro vanogona kubvisa migove yekirasi inosvika $300 yezvisingadzorwi ($600 kana vose vakwanyina vari vaviri vari vadzidzisi). Chitsama ichi chinogadziridzwa nokuda kwokukwira kwemitengo.
  • Mubereko wechikwereti chemari: Kusvika $2,500 yemubereko unobhadharwa pazvikwereti zvavadzidzi vakakwaniriswa inogona kubviswa, ichigona kuwiriraniswa nemari.
  • Mipiro yeIRA yegamuchidzanwa: Kana usingafukidzwi negadziriro yebasa rokurega basa, kana kuti kana mari yako iri pasi peganhuriro dzakati, mipiro kuIRA yegamuchidzanwa inogona kubhadharwa kusvikira ku $7 000 muna 2024 ($8 000 kana kuti zera ramakore 50 kana kuti kupfuura).
  • Health Savings Akhawunti (HSA) mipiro: HSA mipiro inobviswa kusvikira ku $4,150 nokuda kwokubhadharwa kwomunhu mumwe nomumwe uye $8,300 nokuda kwokufukidzwa kwemhuri muna 2024, nokuwanazve $56 nokuda kwaavo vane 55+.
  • [ Mutero webasa rokuzvitutumadza: Hafu yemitero yokuzvishandira yaunobhadhara haibhadharwi pamusoro pomutsetse.
  • Inishuwarenzi yezvoutano inoshandirwa kuzvikudza: youkuru hwako, wokwako, uye vanotsamira pamunhu havashandi pasina kuisa chinhu.
  • Ndyiko dzokudzungaira: Nhengo dzechiuto dzinoshingaira bedzi dzinogona kubvisa ndyiko dzinofambisa; nokuda kwedzimwe, uku kuderedza kubviswa.
  • Alimony yakabhadharwa: Nokuda kwechatanuro dzakapedzwa pamberi pa 2019, mibhadharo yeantimony inoramba isingabviri nokuda kwomubhadhari.

Nokuwedzera mari yaunowana pamusoro pemaatomu, unogona kuderedza AGI yako uye ungangokwanisa kuwana chikwereti uye mari yaunozowana.

Zvikarakadzo Zvebhizimisi Zvavane Mabhizimisi Anozvishandisa Nevaduku

Kana uchizvishandira iwe umene kana kuti uchiita bhizimisi duku, chiverengero chendyiko dzinoshambadza chakafara. Zvitsama zvebhizimisi zvinonzi zviri pa shopu C (pamutero mumwe chete) kana kuti pachimiro chebhizimisi. Iyi mitero inoderedza mari yebhizimisi rako uye, somugumisiro, mutero wako woga webasa uye mutero wemari yaunotambira.

Kuderedzwa kwebhizimisi kunokosha kunobatanidza:

  • Chitsama chehofisi yepamusha: Kana ukashandisa rutivi rwemusha wako bedzi uye nguva dzose nokuda kwebhizimisi, unogona kubvisa chikamu cherendi, zvinovakisa, inishuwarenzi, uye kugadziriswa. Mutoo wakareruka unobvumira $5 pamita ina makaenzana mana.
  • [[FLT: 0] Ndyiko dzeVehicle: Unogona kusarudza pakati pemari inoringana yemaira (67% yemaira muna 2024) kana kuti ndyiko chaidzoidzo (gasi, kugadziridza, inishuwarenzi, kuderera kwemamita). Chengeta giramu reaundi.
  • [[ITSORO] Mibato nemidziyo: migovewo zvayo uye iri madikanwa haishaikwi. Zvinhu zvokutenga zvingatengwa zvizere muChikamu 179 kana kuti zvakabviswa munguva.
  • kufamba kwebhizimisi nezvokudya: kufamba kubva pamusha nokuda kwebhizimisi kwakakwana. Zvokudya zvine vatengi kazhinji kazhinji zvinoshaikwa 50%.
  • Kushambadza nokutengesa: Ndyiko nokuda kwokushambadza kwepaIndaneti, zvokudhinda, kutumira nzvimbo dzepaIndaneti, uye zviitiko zvokusimudzira hazvibudiriri.
  • Mabasa okuronga: Magweta, vanoverenga, vanopa mazano, uye vamwe vanamazvikokota havabereki.
  • [[FFLT:0] Kupinza: Nhenha dzebhizimisi, zvinhu, uye inishuwarenzi youtano nokuda kwavashandi hazvibhadharwi.
  • Chitsama cheTsvakati yeBhazinesi (QBI): Iyi ideredzero iri pasi-mutsetse inobvumira kukwaniriswa kupfurikidza navanopa mari kubvisa 20% yeQBI yavo. Ine mitemo yedanho yakasiana--------ngoroi.

Kuchengetedzwa kwakarurama kunokosha nokuda kwezvitsaru zvose zvebhizimisi. IRS inoda kubhadharwa kwendyiko dzinopfuura $75 uye nokuda kwenzendo dzose nezvipo. Maturusi eredhital akadai sePucking Books kana kuti shopu yakapfava inogona kukubetsera kuronda ndyiko mugore rose.

Mipiro Yokupa Zvipo: Mitemo Nemubatanidzwa

Kupa kusangano rinopa mari kusati kuchingoparira bedzi kuva nehanya newe asiwo kunogovera kuderedzwa kwomutero kana ukaisa chinhu. Kuti akwaniriswe, mugamuchiri anofanira kuva sangano rakakodzera 501(c)(3). Mipiro kuvanhu, manhimbe ezvamatongerwe enyika, kana kuti masangano anobetsera anobva kune dzimwe nyika kazhinji kazhinji haakwanirisi.

Mitemo mikuru yokuderedza kwokubetsera:

  • Mipiro yakafa: Unofanira kuva nerekodhi rebhangi kana kuti kubvumwa kwakanyorwa kubva kurupo rwemipiro ipi neipi ye $250 kana kuti kupfuura. Nokuda kwezvitsama zviduku, cheki yakafa, rugwaro rwekadhi rechikwereti, kana kuti kubhadhara chigumbuso chakakwana.
  • [[NHAU: 0] Mipiro yeNon-cash:[[FT:1] Zvinhu zvakadai sezvipfeko, fanicha, uye motokari zvinofanira kuva zviri mumugariro wakafanira. Nokuda kwemipiro inopfuura $500, unofanira kunyora Mavara 8283. Nokuda kwezvinhu zvinopfuura $5 000, rumbidzo inokwaniriswa inodikanwa.
  • Mitemo yeshavo: Mipiro yemari kumasangano anobetsera vanhu vose yakaganhurirwa ku 60% yeAGI yako, ine makore mashanu okutakura kupfuvura. Mipiro yepfuma inotengwa semashekero anopfuura gore rimwe yakaganhurirwa kusvikira ku 30% yeAGI asi inodzivisa kuwana mutero wamari.
  • [[[FOL:0] Ndyiko dzekuzvinyima: Ndyiko dzemari dzinoitika apo kuzvipira (kuzvipira, migove) dzinoderera, asi ukoshi hwenguva yako hahusati.

Kutanga muna 2023, mari inobviswa pa $300 yemari nokuda kwezvisingatengwi. Zvino, avo bedzi vanoisa zvinhu vanogona kubvisa mipiro yokubetsera. Zvisinei, vamwe vapi vanoshandisa gadziriro dzokuunganidza kuti vawedzere betsero.

Nokuda kwenhungamiro ine udzame zvikuru, ona IRS Ablences peji.

Kuedza Kuwedzera Mitero Yako

Kunyungudutsa

Kana ndyiko dzinoshanda dzichingoderera bedzi nechitsama chamashandisirwo emari, rangarira kuisa pfungwa panzvimbo inotengwa: makore maviri kana kuti anopfuura okutenga kukuva gore rimwe. Somuenzaniso, ungafanobhadhara mitero yemari, ita mupiro mukuru wemipiro yorupo, kana kuti ronga miitiro yezvokurapa mugore rimwe chetero. Mugore rapaganda, unoisa zvinhu; mugore rinotevera, ungatora mari inotengwa yakaenzana. Mugore rinotevera, ungabvisa mari inotengwa yapa mari kupfuura makore maviri, kana ukatora mari inotambira gore rimwe nerimwe.

Miitiro Yokuronga Nguva

Ndyiko dzinodzokororwa kana kuti dzinononoka kuderera zvichitsamira pamurangariro wako wemari. Kana uchikarira mari yakakwirira zvikuru gore rinotevera, rangarira kusunda ndyiko dzinoshanda mugore rinotevera kuderedza mwero wemitero yakakwirira. Nenzira inopesana, kana mari yako yakakwirira zvikuru gore rino, kurumidzisa mari kuti ideredze mutoro wegore rino. Ikoku kunoshanda zvakanaka nokutenga kwebhizimisi, zvipo zvokubetsera, uye miitiro yezvokurapa.

Mipiro Yokurega Basa

Kupa mupiro kuIRA yegamuchidzanwa, SEP IRA, soo 401(k), kana kuti imwe gadziriro yokurega basa kunoderedza mari yako inotapurwa. Nokuda kwa2024, mari yevashandi 401 (k) yakawanda i $3 000 ($30,500) kana kuti zera ra50+. Vanhu vanoshanda vamene vanogona kupira 25% yemari yemambure kuSEP IRA, yakapererwa pa $69 000. Iyi mipiro inoderedzwa ndokuwedzera kukura.

Kuchengetedzwa Kwoutano

HS sezvinopa betsero yemitero mitatu: mipiro haibhadhari, kukura hakuna mutero, uye kurasika kwendyiko dzakakodzera dzezvokurapa kunobhadharawo mutero. Muna 2024, unogona kupira $4,150 nokuda kwetsiviro yomunhu oga kana kuti $8,300 nokuda kwetsinhano yemhuri. Kana mushandirwi wako akapa gadziriro yakakwirira youtano (HDHP), achiisa HSA yako mumugariro wakakwirira zvikuru unowanika.

Kushandisa Nhengo Dzemhuri

Vana vane makore ari pasi pe18 havasi pasi pemitero yeSocial Security neMedicare kana bhizimisi racho riri iro bhizimisi kana kuti mubatanidzwa wevabereki vose vari vaviri vari ivo chete. Izvi zvinochinja mari kubva pabhuroko rakakwirira kuenda kune rakaderera, uye mwana anogona kubhadhara Roth IRA.

Zvikanganiso Zvinozivikanwa Navose Zvokudzivisa

Kunyange vateresi vemitero vanobhadharwa vanogona kuita zvikanganiso zvinoderedza kuderedzwa kwavo kana kuti kunyandura kuongororwa.

  • Kugadzirira kuronda ndyiko gore rose. Kumirira kusvikira April kuunganidza marisiti kazhinji kazhinji kunoparira kupotsa kutsakatika. Shandisa app kana kuti chisaririra chakatsaurirwa.
  • Kuyera kuderera kwakafanira apo kuisa zvinhu kungabereka zvakawanda. Nguva dzose nzvera zvose zviri zviviri kuona kuti ndechipi chiri pamusoro.
  • [ Kutarira pamusoro pemari inobviswa. Vanhu vazhinji vanokanganwa ndyiko dzomudzidzisi, mhindu yavadzidzi, kana kuti mipiro yeHSA.
  • Kubvumira masangano asina kukwaniriswa. simbisa mugariro werupo wa501(c)(3) uchishandisa PIC COS COS UTS UNICER CONCE[.
  • [ Kushora kutakura mitemo. Mipiro yorupo yakanyanyisa, kurasikirwa nemari, uye mubereko wemari zvinogona kupfuuridzirwa kumakore anotevera.
  • [ Kugadzira ndyiko dzomunhu oga nedzebhizimisi. Izvi zvakarovedzeka zvikuru pakati pevabhangi. Chengeta maakaundi ebhangi akaparadzana nemakadhi okutenga nechikwereti zvebhizimisi rako.
  • [ Kuda kugadziridza kuchinja kwoupenyu hukuru. Roorano, chatanuro, vana, kana kuti musha mutsva zvinotapura gadziriro yako yemari inodzorwa uye kusaidzora.
  • [ Kungova bedzi pasoftware yomutero pasina kuhwirudzura.[[FT:1] Software ingashaiwa zvitsaru zvakajeka kana kukundikana kutsanangura mitemo yehurumende yakajeka. Ongorora mutsetse wako wokudzoka nomuromo.

Kuramba Vachisimbiswa: Mutemo Wemitero Wazvino Uno Uno Unochinja

Mutemo wemitero hauna kumira. TCJA (2017) yakaita chinjo dzakawanda idzo dzichaitika pashure pa 2025 kutoti Congress ichidzitambanudza. Urongwa hunokosha hwokurinda hunobatanidza:

  • Kuderedzwa kwakaipa: Kuchadzokera kudzika, yakagadziridzwa yemitengo muna 2026 kana isingamutsiridzwi.
  • kepisi yeT: Chinoganhurirwa che $10 000 pahurumende uye pepu yemitero yomunzvimbomo yakarongwa kupera pashure pa2025.
  • Kurega munhu oga: kwakagadzirwa kusvikira muna 2025; kungadzoka muna 2026.
  • [[[FT:0] Imba yeBhizimisi yakagadzirwa inobviswa: inomira pashure pa2025.
  • Haana kutambanudzwa nokuda kwezvisati zviri zvinhu zvinobatanidza zvinhu:

Gara uchiziviswa kupfurikidza nokuhwirudzura mapeji eTchananuro yeReformation kana kuti kubvunza nyanzvi yomutero. Gadzirisawo shavo dzinochinja zvitsama zvezvitsama zvegore negore, naizvozvo nzvera nhamba dzegore razvino usati wanyora.

mhedziso

Mitero inobviswa haisati iri bedzi nhambo yegore; ibanza rokuronga gore rose. Kupfurikidza nokunzwisisa misiyano pakati pemipimo nezvitsama zvakagadzirwa, kutora pamusoro pemitengo yemitsetse, kuronga ndyiko dzebhizimisi zvakarurama, uye kuronga mari yako inotsarukana inotengwa nenzira yakarongwa, unogona kuderedza zvikuru mutoro wako wemitero. Nenzira yakafanana inokosha kudzivisa zvikanganiso zvakapararira nokuramba uchiita chinjo dzemutemo wemitero. Kana ukagadzirira kudzokera kwako umene kana kuti basa nenyanzvi, zivo yaunowana kubva kuiyi nhungamiro ichakuisa munzvimbo yakasimba zvikuru yokuwedzera mutengo uri wose wakafanirwa nayo.