Kunzwisisa mari yemitero nechikwereti zvinokosha kumunhu upi noupi anotsvaka kuderedza mitero yawo yose panguva imwe cheteyo asi anotsigira zvirongwa zvehurumende nenzanga. Zvishandiso zvemari izvi zvakagadzirirwa kukurudzira mufambiro wakati kuti , zvakadai sokupa kwomutsa, kuisa mari mudzidzo, uye kuvandudza kushanda kwesimba (zvinobatsira vanhu vose vari vaviri nenzanga. Kubvira pakusiya mari patafura nemhaka bedzi yokuti havanzwisisi zvizere kuti mari nechikwereti zvinotsiviwa sei kana kuti nzira yokuwedzera nayo. Iyi nhungamiro inokudzwa inopfuura nomufungo mukuru uri wose, kubva mumisiyano mikuru pakati pezvitsarudzo nezvikwereti kuti zvishande zvishandire gadziriro dzinokwa nokuda kwokukwira mutero wako. Kana uri mubhadhari wemi wemitero wokutanga kana kuti mubhadhari wemi wemikoro, matengi aya anogona kuchinja masvikiro aunoita mipiro yako yegore negore.

Kunzwisisa Misiyano yeDeditions kunopesana.

Usati wapinda muzvinhu chaizvo, zvinokosha kunzwisisa musiyano uri pakati pemari yomutero nechikwereti.Apo zvose zviri zviviri zvinoderedza mutero waunofanira kubhadhara, zvinodaro nenzira dzakasiyana - siyana zvikuru, uye zvinochinja zvakananga ukoshi hwaunogamuchira.

Nzira Iyo Kuderedza Kushanda Kwayo

Chitsama chemari inoderedza mari yako inobhadharwa. Mutero wako unoverengwa sechikamu chemari yaunotambira mutero, naizvozvo kuderedza kuti mari inoderedza mutero waunobhadhara. Betsero chaiyo yemari inoenzana neyakawanda inowedzerwa nemwero wako womutero uri pamucheto. Somuenzaniso, kana uri muboka remitero ya 22% uye uchiita mari inokwana $6, $620 mumitero. Mwero wako wakakwirira, mari inotengwa zvikuru inova.

Kushanda Kunoita Mari Yechikwereti

Chikwereti chechikwereti chinopa mari yemari inoderedzwa mutero wako. Kana une chikwereti che $2 000 mumitero uye uchikwanirisa nokuda kwe $500, mari yako inoderera kusvika ku $1 500. Zvikwereti kazhinji kazhinji zvine simba kupfuura zvitsama zvaparirwo nemhaka yokuti zvinoderedza mutero wako zvakananga, pasinei zvapo nemwero wako womucheto. Zvimwe zvikwereti zvinodzivisika[, zvinoreva kuti kana chikwereti chinopfuura chitsama chako chechikwereti, unogamuchira musiyano sechinoringamirirwa. Zvikwereti zvisingachinjiki zvinogona bedzi kuderedza mutero wako kusvikira kuzero; chipi nechipi chinorasika.

Chikonzero Nei Kusiyaniswa Kuchikosha Nokuda Kwemipiro Yemipiro Yechibvumirano

Zvikwereti zvakawanda uye mari inobviswa yakarongwa nemaune kuti itsive kuvimbisana kwevagari vemo nejeri rakadai sokupa mari kumari inoitirwa vanhu, kuisa midziyo inoshanda zvakanaka yemagetsi, kana kuti kupedza dzidzo yepamusoro. Kunzwisisa kuti nderupi runobetsera rwauri kukumbira kukubatsira kufanotaura mari yawakachengeta uye kuronga mari yauchapa. Somuenzaniso, chikwereti chinodzoreswa seIniver Recough Inteed Taxial Cer ingadzorera mari yako muhomwena yehomwe kunyange kana usina mutero, kuchiita kuti ive sundo yakasimba nokuda kwavashandi vanowana mari yakaderera uye vane mwero.

Mitero Yavose Inoderedza Mari Yako Yemitero

Zviteshi inguva dzokuzorora dzinoshandiswa zvikuru. Gore rimwe nerimwe unofanira kusarudza pakati pokutora maderedzero anodiwa kana kuti kuisa mari yako inotsarukana. Chisarudzo chinotsamira pakuti ndyiko dzako dzose dzakakodzera dzinopfuura chitsama chakaenzana nechawaifanira kuisa panzvimbo yako. Kunzwisisa kuti zvitsaruso zvipi zviripo, uye kuti ungakwanirisa sei nokuda kwazvo.

Servetuction v.

Mugore ra2023 remitero, mari inotapudzwa inotevedzerwa i $3 050 nokuda kwevatambi vemitero imwe, $27 700 nokuda kwevakaroorana vanosonganirana, uye $20 800 nokuda kwemisoro yemba. Vabhadhari vakawanda vanowana kuti mari inorindwa inotevedzerwa yakakura kupfuura yose yese yavakaisa zvinhu, ichiita kuti zvive zvakapfava. Zvisinei, kana une musha, une ndyiko dzezvokurapa, kana kuti unoita mipiro yomutsa yakawanda, ingaparira betsero huru zvikuru yomutero. Haugoni kutaura kuti zvose zviri zviviri (h) unofanira kusarudza mumwe.

Kubatanidzwa: Fariro Yemari

Varidzi vedzimba vanoisa mari yemubereko unobhadharwa pachikwereti chinoripirwa ku kutenga, kuvaka, kana kuti kuvandudza imba yokutanga kana kuti yechipiri. Chitsamukiso chinoganhurirwa kumubereko wechikwereti chemomo we $750 000 wechikwereti cheroorano). Kuvabhadhari vakatenga misha pamberi paDecember 16, 2017, ganhuriro yacho i $4 000 000. Iyi inogona kuva yakawanda munharaunda dzechitsama chapamusoro chemari uye inokurudzira kuva muridzi weimba, uko kunowanzorangarirwa kuva mutengo wehurumende munzanga dzomunzvimbomo.

Kushandiswa Kwemitero Yacho: Nyika Nemitero (SALT)

Mutero wemari yemari yemari yemo yaunotambira ungabviswa pamwe nemitero yemari yaunotambira kana kuti mitero yokutengesa (asi kwete yose), uye mitero yezvinhu, kusvika pamuganhu wakabatanidzwa we $5 000 ($5 000) kana yakarongeka). Rubatsiro rweSALT runobetsera vateri munyika dzakakwirira, kunyange zvazvo kepisi yacho ichideredza migumisiro yayo kana ichienzaniswa nemakore akapfuura.

Chipo Chokupa Mipiro

Mipiro kumasangano akakwaniriswa 501(c)(3) haibvi paunoisa zvinhu. Ikoku kunobatanidza mari, zvinhu, uye kunyange mamaira anoendeswa nokuda kwezvinangwa zvokubetsera. Nokuda kwa2023, unogona kubvisa 60% yemari yako yakagadziridzwa yemipiro yemari kumari dzinobhadharwa. Mipiro isingabvisi, yakadai sezvipfeko kana kuti zvinhu zvomumba, inofanira kuva mumugariro wakanaka kana kuti zviri nani. Manyoro akakodzera `scries kana kuti mabhii akanyorwa emipiro anopfuura $250(20). Tim timos, semipiro inopa mari yavose kumari inobhadhanyidzirwa mugore rimwe remitero, inogona kukubetsera kupfuura chitsaridzo chomutengo.

Kushandiswa Kwemadhindindi: Kurapwa Nendyiko Dzemazino

Ndyiko dzezvokurapa dzisingadzorwi dzinopfuura 7,5% dzemari yako yakagadziridzwa haibviri. Ndyiko dzinoshanda dzinobatanidza shanyo dzachiremba, mirimo inonyorwa nachiremba, kugara muchipatara, kurapwa kwamazino, uye kunyange mari dzokutarisira dzenguva refu. Nokuda kwevanorega basa kana kuti mhuri dzine migariro youtano isingaperi, iyi mutengo unogona kuva inokosha.

Mitsetse iri pamusoro

Mimwe mitero inowanika kunyange kana usina kuisa zvinhu. Iyi mitengo inoderedza mari yako yakagadziriswa zvakananga. Mienzaniso inobatanidza mipiro kuIRA yegamuchidzanwa, mubereko wevadzidzi (kusvikira ku $2,500), mipiro yemari yakachengetwa youtano, uye mari yomudzidzisi (kusvika $300). Iyi inokosha zvikuru nemhaka yokuti ingaderedza AGI yako, uko kungakanganisawo kukwanirisa nokuda kwezvimwe zvikwereti uye mari yawakakwereteswa.

Zvikwereti Zvemitero Zvinoshandiswa Zvinodzorera Mari Mumatsotsi Ako

Zvikwereti zvemitero zvinowanzova nesimba kupfuura mari yemutero nokuti zvinoderedza mitero yavanobhadhara zvakananga.

Mubayiro Wemutero Waibhadharwa Nevanhu Vane Mutoro (EITC)

EITC ichikwereti chakaenzana nokuda kwavashandi vanowana mari yakaderera. Muna 2023, chikwereti chikurusa i $7,430 nokuda kwemhuri dzine vana vatatu kana kuti kupfuura. Kunyange vashandi vasina vana vangakwaniriswa nokuda kwechikwereti chidukusa chechikwereti (Z $600). Nhamba dzechikwereti dzinokwira semari inotambirwa. Nemhaka yokuti chinovakwa nechero, EITC inogona kuguma ne $7,430 kunyange kana usina mutero, kuchiita chimwe chezvishandiso zvine simba zvikurusa zvinorwisa mutero mubumbiro remitero. Kuzvitaura, unofanira kunyora mutero, kunyange kana mari yako iri pasi pechikumbaridzo. IS inogovera EITC giramupial kuti ibatsire kubetsera.

Kubhadhara Mitero Yevana (CTC)

Muna 2023, CTC yakaenzana ne $2 000 pamwana ari pasi pemakore 17. Kusvika $600 000 yemari iyoyo inodzorwa (Child Tax Creasure). Chikwereti chinotanga kugoverwa nokuda kwavagadziri vemitengo mimwe chete vane mari yakagadziridzwa inodarika $50 000 000 nokuda kwevachatanisi vakaroora). CTC inogovera tsigiro yemari kumhuri uye ichinhu chinokosha chemitero inoitirwa kuderedza urombo hwavana.

Zvaanowana Padzidzo

Zvikwereti zviviri zvikuru zvinobetsera kuderedza ndyiko yedzidzo yapamusoro: American Opportunity Tax Creed (AOTC) uye American Time Learning Credit (LLC).

  • American Opportunity Task Credit: Yakafanira $2,500 pavadzidzi vakakodzera pamakore mana okutanga edzidzo yesekondari. Inosvika 40% yechikwereti inodzokororwa. Ndyiko dzinobatanidza mari, mitero, uye zvitoro. Zvikamu zvechikwereti nokuda kwamafaira mamwe ane AGI pamusoro pe $80 000 ($160 000).
  • [[FLT: 0] Credit: Inopa $2,000 padzokero remitero yakakwaniriswa nokuda kwemari nemari inobhadharwa nokuda kwekosi yemari, yakapedza kufunda, kana kuti yedhigirii rebasa. Haichinjiki uye haina muganhu pachiverengero chamakore waunogona kuitaura. Chikamu chapanze chakaderera kupfuura AOTC / $59 000 nokuda kwe $69 000 yemafayile maviri omuna muna 2023.

Zvikwereti zvose zviri zviviri hazvigoni kunzi ndezvemudzidzi mumwe chete mugore rimwe chete remutero, asi unogona kuchinjana pakati pazvo. Nokuda kwoudzame hwakawanda, ona [[FLT: 0] IRS IS Frames Indiss peji [[[FLT: 1]].

Tuziro Dzesimba

Varidzi vedzimba vanoita kuvandudza simba kusingashandisi mari vanogona kukumbira Energy Efficentient Home Reconsurection Cerve (zvinotanhanhanhanha ne 30% zvendyiko dzekuvandudza sekufambisa, mahwindo, masuo, uye pombi dzokupisa) kusvikira muna 2032. Kune kepisi dzegore negore: hwerengedzo ye $200 yezvinonatsiridza, neganhuriro dzekupisa ($2 000) uye zvitofu zvebiomass ($2 000). Mukuwedzera, Resienten Energy Energy Rice inofukidza 30% yendy yemari inokwevara yezuva, turbines, kupisa kwepasi, kupisa kwepasi, uye bhetri rebhetri (hafu) isina bhiri. Izvi zvinoderedza mutero wako apo inoderedza makumbo ecarborprint.

Zvimwe Zvipo Zvinooneka

  • Mwana ne Chesternt Care Creares:[[FLT: 1] Kunobetsera kufukidza ndyiko nokuda kwokutarisira mwana ari pasi pe 13 kana kuti mukuru anotsamira pamunhu kuti ugogona kushanda kana kuti kutsvaka basa. Muna 2023, chikwereti chinokwira kusvikira ku $600 nokuda kwomunhu anokwaniriswa kana kuti $1200 nokuda kweiviri kana kuti kupfuura.
  • [[FT:0] Premium Taxis Icrector: Inishuwarenzi youtano kupfurikidza neInshuwarenzi yeUtano. Chikwerete chinofambiswa mberi uye chakavakirwa pamari inotambirwa pamusoro pomwero wourombo womubatanidzwa.
  • Mupiro weSarem: Vashandi vanotambira mari yakaderera nenemwero kupira mari kumaakaundi okurega basa. Chikwereti chakafanira 10% kusvikira ku 50% yemipiro inosvika $4 000 ($4 000 nokuda kwemabodhi emibatanidzwa).

Nzira Dzakanakira Kuwedzera Zvikwereti

Kuti uwedzere mari yako uye uderedze mitero, unofanira kuronga nemaune kuti uite zvinoenderana nemari yako.

Sarudza Mamiriro Ezvinhu Akarurama

Kuisa kwako mari yechikwereti kwakasiyana, kurongedzerwa muroorano, kurongedzerwa kwakaparadzana, musoro wemba, kana kuti kukwanirisa chirikadzi (panorongedzerwa) zvinobatanidza mari yako yoga yoga, zvikwaniriso zvemitero, uye kukwaniriswa kwezvikwereti zvakawanda. Varoorani vanowanzobetserwa nokurongedza pamwe chete, asi muzvimwe zviitiko kuisa chikwereti chakati kana kuti kuderedza. Musoro wemhuri unopa mari yezvitsauko zvakati kuti kuti kuti kuti, naizvozvo kana ukakwanisa, chishandise.

Mishonga Inopfuudza Kukura Kwedzidziso Dzakatorwa

Kana mari yaunotapudza ichiita seyakaderera zvishoma pane yakatarwa, funga “kuwedzera.” Somuenzaniso, ungapeta mari yakapetwa kaviri pamitero inoyamura vanhu gore rimwe nerimwe, kana kuti kubhadhara zvinhu zvegore rinouya (mukepisi yeSALT). Nokuisa mari yezvitsama zvemitero yaunobhadhara mumakore iwayo, unogona kuisa mari yaunofanira kubhadhara vamwe, uchiwedzera mari yawakachengeta kupfuura daro regore rimwe nerimwe.

Mipiro Yokurega Basa

Kupa kuIRA kana kuti 401(k) yegamuchidzanwa inoderedza mari yako inobhadharwa ne $56 (murinoganhurirwa). Nokuda kwa2023, unogona kupira $6,500 ($7 500 kana kuti 50 000 kana kuti kupfuura) kuIRA uye mari inokwana $2,500 ($2,50+) kusvika ku 401(k). Haisi bedzi iyi mutengo wako wazvino uno, asi inovakawo mari yakachengetwa pamudyandigere. Kana uchikarira kuva mubhuroko remitero yakaderera mumudyandigere, mari inokwezverwa yakakubetsera zvikuru.

Kudziridza Dzidzo Dzisati Dzapera

Kana uri mudzidzi kana kuti une mubatiri anotsamira pakoreji, uverengera kuti ichikweretii chedzidzo chinopa betsero huru. AOTC inowanzova ine rupo zvikuru nokuda kwamakore mana okutanga nemhaka yechikamu chayo chinopfuudzwa nechitsama chakakwirira chechikwereti. LLC iri nani nokuda kwefundo dzapachikoro kana kuti kunyoresa kwenhambo imwe. Haugoni kutaura kuti zvose zviri zviviri nokuda kwomudzidzi mumwe, asi unogona kutaura AOTC nokuda kwomumwe mwana neLLC nokuda kwomumwe. Usafuratira Tuioition neFeduction (iyo ingawanika mumakore akati) asi zvinotaura kuti isati yawedzerwa nokuda kwe 2023; nzvera mutemo wazvino uno.

Batsirwa Nezvikwereti Zvinoyevedza

If your income is low enough that you owe little or no tax, prioritize refundable credits like the EITC and the Additional Child Tax Credit. These can generate a refund even if you have no tax liability. To qualify, you must file a tax return, even if not otherwise required. The IRS EITC page provides a detailed eligibility checklist.

Ramba Wakarongeka Mugore Rose

Kuronga mutero kunobudirira kunoda kushingaira kwegore rose. Chengeta chisango chakazvitsaurira (mumuviri kana kuti mageta) nokuda kwamariti, mareyiti, uye mipiro yokurapa. Tsvaka ndyiko dzezvokurapa, mipiro yomutsa, mari yokuvandudza musha, uye mari yedzidzo sezvainenge ichiitika. Shandisa programu yespreadsed kana kuti purogiramu yemitero yegore kuyera nzvimbo yako yegore yepakati pegore uye gadziridza kana kuti kubvisa mari inofungidzirwa. Uyewo, hwirudzura nokunyikidza gore riri rose, zvikurukuru pashure pezvinoitika zvoupenyu zvakadai seroorano, chatanuro, kana kuti kuberekwa kwomwana.

Bvunza Nyanzvi Yemitero

Nepo vateresi vazhinji vachigona kutarisira mitero yavo vamene nepurogiramu yekombiyuta, migariro yakaoma − yakadai sokuva nebhizimisi, kuva nezvinhu zvokurenda zvakawanda, kana kuti kubata nemhindu huru dzemari inotambiswa yemari ($.nyoborano yezvokutengeserana yavose kana kuti mushandi anonyoreswa anogona kuziva zvikwereti nezvitsama zvaungada kupotsa, kuva nechokwadi chokuti uwirirane nemitemo yemitero inodzorwa nguva dzose, uye kukubatsira kuvaka gadziriro yemari yakawanda. Chitengo chemari kazhinji kazhinji chinozvibhadharira muchengeteko yemitero.

Misungo Inowanzosashandiswa

Kunyange vabhadhari vemitero vanosanochengetwa vanogona kudarika zvikanganiso zvinozivikanwa izvo zvinoderedza kana kuti kuderedza betsero dzinokosha dzemitero.

Musiano Wemipiro Yehangi

Kana ukaisa mupeto, IRS inoda kunyorwa nokuda kwomupiro upi noupi we $250 kana kuti kupfuura. Nokuda kwemipiro yemari, chinyorwa chebhangi kana kuti risiti kubva kurupo ruri madikanwa. Nokuda kwezvinhu zvisiri zvamacash zvinopfuura $500, unofanira kunyora Mafomu 8283, uye zvinhu zvinopfuura $5 000 zvinowanzoda rumbidzo yakakwaniriswa. Pasina mapepa, mari yako haibvumirwi.

Kutaura Zvisina Kururama Kuti EITC

EITC ine mitemo yakaoma pamusoro pemari inowanwa, miganhu yemari inotambirwa, uye kukwaniriswa kwavana. Mhosva dzinowanzobatanidza kushandisa mugariro wokunyora zvisina kururama, kushuma mari isiriyo, kana kuti kutaura mwana asingawirirani nemiedzo yokugara. IRS inogona kuramba chikwereti ndokuisa zvirango. Shandisa EITC Kunzvera kushata kwako.

Kufuratira Maruva Anobva Panze

Zvikwereti zvizhinjisa nezvimwe zvinobviswa sezvo mari inokwira. Kukundikana kutsanangura nokuda kwemadanho kunogona kutungamirira kukushamiswa kusingafarirwi panguva yomutero. Somuenzaniso, chikwereti chemari yemutero yavana chinovamba kudarika $50 000 000 (Z $450 000). Kana mari yako iri pedyo nemukana wokubhadharo, rangarira kuwirirana nemari inotakurwa kana kuti kukurumidza kuderedza kuti ugare pasi pemwero wedanho.

Kutarisira Zvikomborero Zvehurumende

Nyika dzakawanda dzinopa zvimiro zvadzo zvikwereti zvehurumende pamwe chete nechikwereti chechienzi − zvakadai sechikwereti nokuda kwemari inotambirwa pakoreji, basa rokudzima mwoto wezvipo, kana kuti ndyiko dzokurera vana. Usakanganwa kunzvera betsero dzakananga dzehurumende pakugadzirira kudzoka kwehurumende yako. Department yehurumende yeRevenue inzvimbo yakanaka yokutanga.

mhedziso

Kubva pamipiro yomutsa uye kuva muridzi wedzimba kusvikira kudzidzo nesimba, chirongwa chimwe nechimwe chinoratidza chisarudzo chamaune chokupa bvumirano yehurumende. Nokunzwisisa misiyano iri pakati pemari yakarongwa nechikwereti, kuramba wakarongwa, uye kuronga zvakanaka, unogona kuwedzera mari yawakachengeta uchiita mipiro ine revo kunzanga. Mitemo yerhafu inochinja nguva dzose, saka nyora dzokororai gore negore kupfurikidza nokuzvibatsira kana kuti kutungamirira kwounyanzvi. (* kuvimbisa kuti usatongorasikirwa nemukana wemitero. Neizvi zvishandiso mumaoko, unogona kuchinja mwaka wemitero kubva pamutoro kuva nyanzvi yokusimbisa basa renzanga uye kutungamirira nemari.