Kutanga: Nei Kunzwisisa Mitero Kuchikosha

Gore negore, mamiriyoni evanhu nevemabhizimisi anoshandisa mitero yakaoma. Ungava mudzidzi ari kuwana mari yako yokutanga, muridzi wehomwe, kana kuti muridzi webhizimisi duku, anonzwisisa zvinokosha zvemitero kuti zvive nemari yakadzikama uye kuti zvitevedzerwe zviri pamutemo. Iyi nzira inopfuudzira kukupa mari yemitero inonyanya kukosha. Mari yemitero inobhadhara mitero inobhadhara vanhu pamugwagwa nemuzvikoro kuti utarisire utano uye udzivirire mari. Kutadza kubhadhara mitero kunogona kukutungamirira kuchira, mubereko, kana kuti kunyange kunetsa pamutemo. Iyi nhungamiro inodzoresa ichakushongedzera nokunzwisisa mitero yako yetsika yetsika, kuderedza mitero kupfurikidza namazano omutemo, uye kudzivisa misungo yemari.

Mitero Chii uye Nei Tiibhadhara?

Mumashoko akapfava, mitero mitero inosungirwa nahurumende pamunhu mumwe nomumwe, makambani, uye zvinhu. Izvo zvisakiso zvikuru zvemari zvinogonesa hurumende kugovera zvinhu zvavanhu vose namabasa. Pasina mitero, gadziriro dzamasangano namabasa zvatinovimba nazvo zuva nezuva. Nharaunda huru dzinotsigirwa nemari yemitero dzinobatanidza:

  • Zvikoro zvedzidzo — kubva kuzvikoro zvehurumende kusvika kudzidzo yepamusoro
  • Masangano ezvoutano — kusanganisira zvipatara zvehurumende uye mainishuwarenzi outano
  • Kuchengeteka kwevanhu vose — mapurisa, madhipatimendi okudzima moto, uye kukurumidza kubatwa
  • Michina yokufambisa - fambisa - fambisa – migwagwa mikuru, mabhiriji, kufambisa vanhu, uye nhandare dzendege
  • Kuzvidzivirira uye kuchengeteka kwerudzi
  • Mambure okuchengeteka munzanga – kubatsira kushaya mabasa, rubatsiro rwezvokudya, uye Kuchengeteka Kwenzanga

Mitero inogona kutorwa pamwero yehurumende, yehurumende, uye yomunzvimbomo, uye mitemo yakananga inosiana zvichitsamira panzvimbo yaunogara nebasa. Kunzwisisa [[FLT: 0] chinangwa chemitero [ kunobetsera kunzwisisa chikonzero nei kuwirirana kusati kuri basa rapamutemo asi mupiro wenzanga.

Umhare Hwemitero Ungasangana Nayo

Mitero inodzorwa nenzira dzakawanda, imwe neimwe ine mitemo yayo uye zvainoreva.Heino kuputsika kwemarudzi anozivikanwa zvikurusa aungasangana nawo somunhu mumwe nomumwe kana kuti muridzi webhizimisi.

Mutero Wemari

Mutero unobhadharwa mutero pamutero wemari inotambirwa pabasa, mabasa okuzvishandira, kuisa mari mubhizimisi, uye mamwe manyuko. MuUnited States, gadziriro yemari inotambirwa yemitero yehurumende inofambira mberi, kureva kuti mari yakakwirira inobhadharwa pamwero wakakwirira. Nyika zhinji dzinoisawo mutero wadzo umene wemari yadzinobhadhara, kunyange zvazvo nyika shomanene (seTexas neFlorida) dzisina mutero wemari inotambirwa. [[FLT: 0] Mufungo mukuru:[[FLT: 1]] Mari yako inobhadharwa mutero ihwerengedzo yako yemari inobviswa pese, uye kuhesvedzerwa, uye mwero unotsamira pamugariro wako wokupa.

Kutenga Mutero

Mitero inotengwa pakutengeswa kwezvinhu namabasa, inounganidzwa nomutengesi panguva yokutengeswa. Mwero unosiana nehurumende uye kunyange neguta kana kuti kunyange neruwa. Dzimwe nyika dzinobvisa zvinhu zvinokosha zvakadai semitero kana kuti mirimo inobvumirwa. ZVIKURU:[[FLT]] ONCEDS ingavawo mutero wokutenga, zvikurukuru chifo che South Dakotav. Wayfair[[FLT] jar] Dare rapamusoro rinobvumira kukumbira kutaura kunze kwezvokutengesa kuti zvitengese mutero.

Mutero Wezvinhu

Mutero wezvinhu mutero wakavakirwa pamutengo wenzvimbo yako, nzvimbo nenzvimbo zvinowanzova. Hurumende dzomunzvimbomo (nyika, maruwa, maruwa ezvikoro) mitero yenzvimbo yemari kuti itsigire mabasa omunzvimbomo. Mwero wemitero unoshandiswa kuukoshi hwakatemwa hwenhumbi yako, iyo ingadzoreswa panhambo nenhambo. Varidzi vemisha kazhinji kazhinji vanogona kubvisa mitero yezvinhu pakudzosera kwavo mutero wehurumende, pasi pemitengo.

Mutero Wemaune

Masangano anobhadhara mutero pamhindu dzawo. Mwero wemitero yekambani yeUnited States muU.S. wakati dehengete 21% seweTrusts neMitemo yaMabasa ya2017. Nyika zhinji dzinoisawo mitero yemari yebhizimisi. Kana uchiita bhizimisi semubato mumwe chete, mubatanidzwa, kana kuti bhizimisi, mari yako yebhizimisi inowanzobhadharwa pamitero yaunotambira pamunhu oga (kukwira nokukwira kwemitero).

Guta Rinowana Mutero

Apo unotengesa pfuma nokuda kweinopfuura (mhindu huru), ungava nechikwereti chemari inobhadharwa. Ikoku kunoshanda kumatanda, zvisungo, nzvimbo, uye kumwe kuisa mari mubhizimisi. Nzvero dzemari dzenhambo pfupi (dzinochengetwa kwegore rimwe kana kuti shoma) dzinobhadharwa semariwo inobhadharwa, nepo nguva refu inobetserwa nemwero yakaderera (0%, 15%, kana kuti 20% inotsamira pamari yako). Mhindu dzinodzorwa nemari inopfuura gore rimwe dzinogona kuderedza zvikuru kuvadziko yako yomutero.

Kubhadhara Mitero

Mitero inobhadharwa kubva pamubhadharo wevashandi kuti itsigire mari yeSocial Security neMedicare. Vashandirwi vanobhadharawo mari yakafanana. Kana uchizvishandira, une mutoro wezvose zviri zviviri mushandi navashandirwi zvikamu (mutero webasa rokuzvishandira). Kunzwisisa mitero yemitero yepepa kunokosha zvikuru kuti ubhadhare mari yako yemambure nenzira yakarurama.

Mitero Yakakura

Mitero yokubvisa zvinhu inobhadharwa pazvinhu chaizvo zvakadai sepeturu, chinwiwa chinodhakisa, fodya, uye matikiti endege.

Kuunganidzwa Kunoitwa Mitero: Michina Inokosha

Kuunganidza kwacho kunosiyana zvichienderana nerudzi rwemitero uye mari yaunoshandisa. Hedzino nzira huru:

Kunyima

Nokuda kwavashandi vazhinjisa, mutero wemari unounganidzwa kupfurikidza nokutora. Mushandirwi wako anoverenga mutero unofungidzirwa wakavakirwa pachimiro chako W-4 ndokuubvisa pacheck yomuripo mumwe nomumwe, kutumira mari yacho zvakananga kuhurumende. Iyi gadziriro inobetsera vabhadhari kusvitsa misengwa yavo zvishoma nezvishoma mugore rose. ZVINGABVUNURWA: hwirudzura W-4 pose papi kana mamiriro ako ezvinhu achichinja (roorano, kuberekwa kwemwana, kuvamba kwechipiri) kuti uvimbise chitsamaudzo chakarurama.

Kufungidzirwa Kuti Kubhadharwa Pamavhiki

Kana uchizvishandira, uchishanda, kana kuti unoita basa wakazvimirira, kazhinji kazhinji hauna mitero inonyimwa. Panzvimbo pezvo, unofanira kuisa mari yemitero inofungidzirwa kuIRS kana pagore (April, June, September, uye January wegore rinotevera). Kukundikana kuripa zvakakwana mugore rose kunogona kuguma nezvirango, kunyange kana ukagadzikisa dzikamo yako yakazara nenguva yaApril.

Kutenga Mutero

Kumabhizimisi, izvi zvinoda kuti vanyatsoongorora kuti vanyorese mari yemari inobhadharwa paIndaneti. Kana vakatenga zvinhu paIndaneti, vatengesi vakawanda vava kutobhadhara mutero wemari yezvokutengeserana uchibva pakero yako yemabhuku.

Kuunganidza Mutero Wezvinhu

Mitero yenhumbi inobhadharwa zvakananga kumuteresi womunzvimbomo, zvimwe sechitsama chebundu regore negore kana kuti zvimwe munhevedzano (kazhinji kazhinji). vakweretesi vechikwereti vakawanda vanotora mitero yezvinhu sorutivi rwemari yako yomwedzi nomwedzi kupfurikidza neakaundi yemari ndokubhadhara chiremera chinobhadhara pauri.

Kupeta Mitero Yako: Nhungamiro Nenzira

Kubhadharisa mutero muitiro wetsika wokushuma mari yako, zvitsaru, uye zvikwereti kuhurumende. Nguva yedzorero renyika muUnited States inozivikanwa navose [ April 15[ (kana kuti zuva rebhizimisi rinotevera kana ikawira pakupera kwevhiki kana kuti pazororo). Herino nhambo inoshanda:

1. Chengeta Chinyorwa Chako

Chengeta mashoko ose anowanwa nemari nezvinyorwa zvendyiko dzinosashanda.

  • W-2 – kubva kuvashandirwi (mari uye mitero yaisatorwa)
  • [[FULT:0]-NEC – nokuda kwebasa rehrefu kana kuti rebvumirano
  • 1099-INT – kubva mumhindu yebhangi
  • [[[ITSV:0]1099-DH - kubva pamibayiro
  • Receips nokuda kwendyiko dzinoshanda (mushonga, mupiro, ndyiko dzebhizimisi)
  • [[[FOL:0] chisarudzo chemhindu[[FORM:1] (Form 1098)
  • [[[FT:0] jasi remhindu rechikwerete [[[FT:1]

Tsvaga Nzira Yokunyepedzera

Une zvisarudzo zvakawanda:

  • Itozviita iwe umene [ uchishandisa IRS Free File (nokuda kwechinjo hurusa yemari inotambirwa pasi pe $73 000) kana kuti mafomu apachena
  • [ Shandisa chirongwa chepurogiramu yemitero kufanana neTurboTax, H&R Block, kana kuti Trusaer – izvozvi zvinokutungamirira mugadziriro yacho ndokunzvera zvikanganiso
  • Kuregerera mutengi weakaunzi yavose (CPA) kana kuti mumiriri akanyoresa – anorumbidzwa kana une mari yemari yakawandisa kana kuti yebhizimisi
  • [[[NUMBO:0] Shandisa COMYS COM (VITA) nzvimbo - yamuro yapachena nokuda kwavateresi vanotambira mari yakaderera kusvikira kuinosvika kumari inotambirwa

3. Gedza Kudzoka Kwako Zvakarurama

Chishuma mari yose inobva kumanyuko ari ose. Kunyange kana usingagamuchiri fomu rebasa rerutivi (sezviito, mari yemari kana kuti magigi ehomwe maduku), unodikanirwa pamutemo kurishuma. Shandisa mugariro wakarurama wokuisa papepa (kuvatana, akaroora pamwe chete, akaroora akawiriraniswa, musoro wemhuri, kana kuti anokwanirisa chirikadzi (ari).

4. Bvuma uye Batsira Dzikamo Ipi neipi Yakafanira

E-file mutoo wakakotsekana zvikurusa uye unokurumidzisa. Unogona kutumirawo bhadharo repepa, asi kugadzira kunononoka. Kana une chikwereti chemitero, unofanira kubhadhara nenguva inosvika. Zvisarudzo zvinosanganisira kubuda kwemari yemagetsi, kutora chikwereti, chekendi, kana kuti nhevedzano yemari. Kana usingagoni kubhadhara zvizere, kukumbira chibvumirano chechikamu kana kuti kukumbira kubvumirana pane zvisina kufanira; kuisa kufutunukira kwemwedzi mitanhatu kunyora faira asi kusabhadhara – mubereko nezvitsamariso zvichiripira.

5. Nyika yeFire nedzokudzokera kwomunzvimbomo

Mamwe maguta (sezviito, New York City, Denver) anomanikidzawo mitero yemari inobhadharwa munyika.

Kunzwisisa Zvitendero Nezvikwereti: Dededza Mutero Wako

Zvishandiso zviviri zvine simba zvinogona kuderedza zvaunofanira kuva nazvo: zvinoderedza mari yaunobhadhara mutero, nepo zvikwereti zvichideredza mutero wako wemadhora nokuda kwedhiropu. Kuziva musiyano wacho nokuishandisa kunokosha.

Zvikarakadzo Zvinotsanangurwa

Kubvisa chitsama chakati kubva pamubhadharo wako wakagadziridzwa (AGI), nokudaro zvichideredza uwandu hwemari inotakurwa pamutero. Une zvisarudzo zviviri:

  • Chitsama chakagadzwa chakavakirwa pamugariro wako wokuisa panzvimbo yamafaira mu 2023, $27 740 nokuda kwavaroorani vanoronga pamwe chete). Vateresi vazhinjisa vanotora zvitsama zviri madikanwa nemhaka yokuti zviri nyore uye kazhinji zvikuru zvikuru kupfuura kuisa muzvinhu.
  • Mari yakatemwa: Munoronga ndyiko dzakakodzera dzakadai semhindu yembavha, nyika nemitero yomunzvimbomo (SALT) kusvikira ku $10 000, mipiro yorupo, uye ndyiko dzezvokurapa dzinopfuura 7,5% yeAGI. Kutora mari yako yose inodzorwa kunopfuura mari inotedzerwa.

Ndyiko dzinozivikanwa navose dzinobatanidza:

  • Fariro yokubereka pamusha wokutanga kana kuti wechipiri
  • Mubereko wechikwereti chevadzidzi (kusvika ku $2 500)
  • Mibhadharo yeinishuwarenzi youtano inobhadharwa munhu oga
  • Mipiro KumaIRA neMaakaundi Outano (HSS S)
  • Ndyiko dzebhizimisi nokuda kwavanhu vanozvishandira vamene

Zvikwereti Zvemitero: Kuderedza Kunokosha Zvikurusa

Chikwereti chemitero chinoderedza zvakananga chitsama chechikwereti chako. Zvikwereti zvinogona kuva zvinoregwa (unowana zvakawedzerwa sechikwereti kana chikwereti chinopfuura chikwereti chako) kana kuti isingabhadharwi (inogona bedzi kuderedza mutero wako kusvikira kuzero). Zvikwereti zvikuru zvinobatanidza:

  • [[[FT:0] Chikwereti chemari inotambirwa (ETC): Chipo chakafanira chavashandi vakaderera kuvaripi vane mwero. Chitsama chinotsamira pamari yako nechiverengero chavana vanokwaniriswa.
  • [ Cream Trust (CTC): Kukwira kusvikira ku $2 000 pamwana ari pasi pe17 (zvinosarira kusvika ku $1,600).
  • [ American Opportunity Task Creentive Credit Ice (AOTC): Kukwira kusvikira ku $2,500 pamushandi womudzidzi nokuda kwendyiko dzedzidzo dzakakwaniriswa, dzinodzokororwa zvishoma.
  • [[[FLT: 0] Credit: Isina kuporeswa, kusvikira ku $2 000 padzokero paimwe nokuda kwedzidzo yesekondari.
  • [ Kuchengetesa Mipiro Inobva Kuchikwereti (Chredit’s Leaker): Nokuda kwavanhu vanowana zvakaderera zvinopa mipiro kumaakaundi okurega basa.

[[FT:0] Action:[ Kudzokororwa kwechikwereti pamberi pokurongedza, sezvo vazhinji vanorasika gore rimwe nerimwe.

Kukanganisa Kwemitero Kunoitwa Kakawanda uye Nzira Yokukudzivisa Nayo

Kunyange vagadziri vemikoto vanokanganisa. Hedzino ngozi dzinonyanya uye nzira yokudzidzora nayo:

  • [ Kuwanira mushumo wemari yose: IRS inogamuchira makopi ako W-2 na1099s. Kana ukasiya basa riri kurutivi, ungangogamuchira chiziviso. Iva nezvinyorwa zvakasanongwarira.
  • Mukusapoka kukumbira mari kana kuti chikwereti: Somuenzaniso, kutaura EITC apo usati uchisvitsa zvinodikanwa zvokugara kana kuti mari inogona kutungamirira kukunzvera. Shandisa purogiramu yemitero kana kuti nyanzvi yokunzvera kaviri.
  • Kuronga nguva yerongedzero: Kunyange kana usingagoni kuripa, faira panguva (kana kuti nyora kufutunurwa). Chirango chapashure chemitero yakakombama: 5% yomutero usingabhadharwi pamwedzi, kusvikira ku 25%.
  • Usachengeta marekodhi akarurama: Chengeta marisiti, zvitatisiti zvebhangi, uye mitero yamakore matatu (refu nokuda kwenzvimbo kana kuti kutengeserana kukuru). IRS inogona kunzvera kusvikira kumakore matanhatu kana ukasashuma mari yaunowana ne 25% kana kuti kupfuura.
  • Kuisa chiratidzo pamberi pokuverenga: zvikanganiso zvemasvomhu, nhamba dzeSocial Security dzisina kururama, kana kuti nhamba dzeakaundi dzebhangi dzemarendi eredund dzinogona kunonotsa kugadzirwa.
  • Mitero yehurumende yokusanzwisisa: Vanhu vazhinji vanonangidzira ngwariro bedzi padzorero dzehurumende ndokukanganwa zvinodikanwa zvehurumende.

Kuronga Mitero Kunobatsira Kuti Muve Neramangwana Rakajeka

Kuronga mutero kunogona kukubatsira kuchengeta mari yako yakawanda yawakatambira zvikuru mugore rose panzvimbo pokungoita chimwe chinhu panguva yakarongwa. Funga nezvemazano aya:

  • Mipiro yokurega basa yakakurisa: Mipiro ku 401(k) kana kuti IRA inoderedza mari yako inobhadharwa mutero. Nokuda kwa 2023, unogona kupira kusvika ku $2,500 ku 401(k) ($30 000) (kana zera 50+) uye $66,500 kuIRA ($7,000 kana 50+).
  • Sebenzisa Maakaundi Outano (HSA): Kana une rongedzero youtano inogadzirwa nepamusoro, HSA inogovera betsero nhatu: mipiro isati yatarwa, kukura hakuna mutero, uye kurasika kwendyiko dzekurapa hakuna mutero.
  • mutengo wemitero wakaipa: Kana une mari inoiswa mumitengo yakaderera, unorangarira kuitengesa kutsiva uwandu hwemari huru. Kusvika $3 000 yerasikidzo inogona kuderedza mariwo zvayo.
  • [ ganhurirwa nokuda kwemitero inofungidzirwa: Kana uchishanda umene, tsaura chikamu chemari imwe neimwe mugore rose kudzivisa mutero mukuru waApril uye zvirango zviduku.
  • [ Ratidza kusaita kwako gore negore:[[FT:1] zvinoitika zvoupenyu zvakadai seroorano, chatanuro, kana kuti basa idzva zvinogona kuchinja mugariro wako womutero. Kudziridza W-4 nomushandirwi wako mukati mamazuva 10.

Zviwanikwa Nematurusi Okubatsira Nemitero

Kupa mitero hakufaniri kuva rwendo rwakapfava.

Mugumisiro: Kuvaka Chivimbo Chemari

Kunzwisisa mitero yako hakungori bedzi pamusoro pokudzivisa zvirango. Kupfurikidza nokudzidza marudzi akasiyana- siyana emitero, kuti inounganidzwa sei, uye kuti ungaderedza sei pamutemo mutoro wako kupfurikidza nemari inobviswa nechikwereti, unodzora nguva yako yemberi. Kuronga zvakarurama uye panguva, uye kuronga zviwanikwa zviripo zvichaita kuti nguva yemutero ive shoma uye ive yakajeka zvikuru. Yeuka, mitemo yemitero inochinja kazhinji kazhinji; kuchengetwa kupfurikidza nezviremera uye vatarisiri vanovimbwa nayo kunovimbisa kuti ucharamba uchiita zvakarurama uye uchiita kuti migumisiro yako ive yakakwana. Kutanga nhasi kupfurikidza nokuhwirudzura zvinyorwa zvako, kuronga zvinyorwa zvako, uye kunzvera zvikwereti zvaungava wakakodzera nokuda kwako. Mune remangwana.