Kufambidzana kushomanene pakati pomugari wemo nehurumende yake kunorema zvikuru sokubhadharwa kwemitero. Ndiko mutoo mukuru watinounganidza nawo pamwe chete zvivako namabasa zvinorondedzera nzanga inoshanda. Nepo muitiro wegore negore wokuisa midziyo unogona kunzwa uchirema, kunzwisisa chikonzero chiripo chemitero, mikana yokuteerera, uye mikana yemifungo iri mukati momutemo inochinja uyu musengwa kubva mumanyu wedzvinyiriro kuva chiito chokuva mugari wemo akadzidza.

Vanhu vazhinji vanosvika mumwaka wemitero nemuvhenganiswa worutyo nenyongano. Bumbiro remitemo rakaoma, zvimiro zvakawanda, uye zvirango zvezvikanganiso zvinogona kuva zvakadzika. Zvisinei, kunzwisisa kwakasimba kwenheyo dzenheyo, marudzi makuru emitero, uye mitoo yokuronga kukupa simba rokushandisa gadziriro yacho nechivimbo. Iyi nhungamiro inoputsa zvinokosha zvegadziriro yemitero yeU.S., kuongorora kwete bedzi yemafashoni asiwo [[FLT:]]

Basa Rapakuvamba Remitero Munzanga

Kusati kwapinda muzvimiro nezvinomirira nguva, kunokosha kudzokera shure ndokunzvera donzo guru remitero. Mitero haisati iri mitero yokuzvidira; ndiyo mari inotengwa nehurumende yazvino uno. Inogonesa "chibvumirano chenzanga" pakati pehurumende navagari vayo, kutsigira zvinhu zvavose namabasa izvo munhu upi noupi angagona kuzvigovera amene nenzira inobudirira.

Kutsigira Zvinhu Zvavose uye Kudzidzisa Vanhu

Zvinhu zvavose zvinorondedzerwa nokuva zvisati zvichitsaurwa uye zvisingashandiswi nezvinosarira zvikuru zvinonzi kushandiswa kwomunhu mumwe hakudzikisi mugwagwa womumwe, uye hakushandi kuraira vanhu zvakananga nokuda kwavo. Kudzivirira kweNational, migwagwa yavose, mapaka avose, dzimba dzevatongi, mienzaniso yakaisvonaka. Pasina kubhadharwa kwemari nemitero, izvi zvivako zvinonetsa zvingava zvakaiswa pasi kana kuti hazvipo. Nguva iri yose yaunotyaira pamugwagwa wakagadzirwa nejeko, uchivimba nemapurisa, kana kuti uchibetserwa negadziriro yepamutemo inodzivirira kuvandudzwa, uri kuwana muuyo wakananga wemitero inogadzirwa.

Kusimudzira Kugarisana Nenzanga uye Kugadzikana Kwemari

Kupfuura zvinhu zvinokosha, mari yemitero inofanirwa nezvinhu uye mambure okuchengeteka munzanga. Zvinhu zvakadai sedzidzo yavose uye zvirongwa zvoutano hwevanhu, ibasa rinoona vanhu vose serinobatsira, pasinei zvapo nokukwanisa kuripa. Zvirongwa zvakadai seMedicare, Médicaid, Social Security, inishuwarenzi yezveuro, uye rubatsiro rwezvokudya zvinotsigirwa zvikurukuru nokubhadhara mitero yehurumende uye mari inotambirwa. Zvirongwa izvi zvinopa chirongwa chinokosha pakuderedza kuoma kwemari, kuderedza urombo uye kudyisa mari inochengetedza pakuderera kwemari.

Kupfuurirazve, gadziriro yemitero chishandiso chine simba nokuda kwe muitiro wemari . Kupfurikidza nokugadziridza mwero yemitero nendyiko, hurumende inogona kupesvedzera migariro yemari inokweviwa. Somuenzaniso, kuderedza mitero kunogona kunyandura kupedzerwa mukuderera kwemari, nepo zvikwereti zvakatarwa zvinogona kuparira mufambiro wakaita sekuisa mari musimba rinomutsidzira, kutenga musha, kana kuti kuronda dzidzo yakakwirira.

Kutsigira Pfuma Nokusimudzira Kururamisira

Rimwe remabasa anoitiranwa nharo zvikurusa emitero kupfuudza upfumi. Gadziriro yemitero yeU. inogadzirwa kuva inowedzera, kureva kuti vatambira mari yakakwirira vanobhadhara chikamu chikuru chemari yavo mumitero inoenzaniswa navatambiri vemari inotambirwa. Iyi fambiro mberi inovapo kupfurikidza nemitero inotengwa. Mari inounganidzwa inoshandiswa kubhadharira mapurogiramu anobetsera zvikuru kubhadhara mari inowana mhuri dzakaderera, dzakadai seInivhotera inowana mutengo (EITC) uye Chikwereti cheChild C. Iyi donzo rekudzoso remarisomupiyuta. Kunzwisisa iyi inobetsera kubetsera kubhadhara mitero semari inotambirwa, semari inogoverwawo yogaro yogaro.

Kuronga Marudzi Makuru Okuteresa Mutero

Mutero weUnited States hausi mutero mumwe chete asi mubatanidzwa wakaoma kunzwisisa wemitero yakasiyana - siyana inoiswa pamwero yehurumende, hurumende, uye yomunzvimbomo. Kuziva musiyano uri pakati pemapoka aya inhano yokutanga kukuronga mari kunobudirira.

Mutero Wemari: Munhu Mumwe Nomumwe uye Mutongi

Mutero wemari inotambirwa ndiwo manyuko makurusa emari yemari yehurumende. Inobhadharwa pamubhadharo, miripo, mari, mhindu, mari inotambirwa, mari yebhizimisi, uye mari yemari inopfumiswa. Sisitemu inoshandisa zvikwaniriso zvomutsara, izvo zva 2024 zvakabva ku 10% kusvika ku 37%. Mutengo wemitero unozivikanwa navose unoparira mari yako yose inobhadharwa pamwero iwoyo. Chaizvoizvo, mari yebhizimisi * kana kuti bhurokwa rakati yakatarwa pamutero wakakwirira. Kunzwisisa mutengo wako [FLD: 2] mutengo wemari yako inotengwa. [FL:]

Mitemo yemafaira makuru (Umwe, Kubatana Kwakabatana, Musoro Wemhuri) inotapura zvikuru mabhuraketi nezvitsama zvemari zvinotsaurwa zvinotapurwa. Deredzero yomuzvarirwo ya2024 i $1600 nokuda kwemafaira mamwe uye $4 600 nokuda kwavaroorani vanoronga pamwe chete, zvinobudirira kudzivirira yakawanda yamadhora okutanga anowanwa mumutero wemari womubatanidzwa.

Mutero wemari inobhadharwa ireshi yemhindu yakaparadzana yemafashoni C corpocations. Mutengo weTsima neJobs wa2017 unogadza mwero wakadzika 21% wemhindu yemakambani. Uyu mutero unomutsa nharo, sezvo kukura kwawo kwemari (uyo pakupedzisira ane mutengo) kunokurukurwa kuti kupfurikidza nemibayiro yakaderera, vashandi vanoiwana kupfurikidza nemiripo yakaderera, kana kuti kuvatengi kupfurikidza nemitengo yakakwirira.

Mitero: Kutsigira Kuchengeteka Kwenzanga uye Kutarisira Mitero

Kazhinji kazhinji yakavhiringidzwa nomutero wemari, mitero yemari inobhadharwa mitero chaiyo pamubhadharo unoshandiswa kutsigira mapurogiramu einishuwarenzi. Federal Insestions Act (FICA) Mutero une mativi maviri:

  • Sacial Security (OASDI): hwerengedzo ye 12,4% (6.2% inobhadharwa nomushandirwi, 6,2% nomushandirwi).
  • Medicare (HI): external [9% hwerengedzo (1.45% yakabhadharwa nomushandirwi, 1.45% nemushandirwi). Kusafanana neSocial Security, hakuna kepisi panzvimbo yeMedicare. Vatakuri vanobhadharawo mamwe magirazi 0.9% Medicare surcup.

Vanhu vanozvishandira vamene (vazvishandisi vakazvimirira) vanobhadhara mutero wose wedanga rechi15, 3% ivo vamene, unozivikanwa somutero wokuzvishandira, kunyange zvazvo ivo vanogona kubvisa hafu yawo padzorero remitero yavo yemari inotambirwa. Kunzwisisa mutero pakati pemitero yemari inotambirwa nokubhadharwa kunokosha nokuda kwavasununguri vemabhadhari navaridzi vebhizimisi vaduku vanofanira kutarisira zvose zviri zviviri kuvapi vane mutero wemari yavo yemari inobhadharwa nemisero yavo yemitero yemitero yebasa.

Mitero Yokutenga Mari: Kutenga, Kubudisa, uye Kushandisa

Kusiyana nemitero yemari yaunotambira, iyo inobhadhara mari, bhadhara mitero yezvaunoshandisa.

  • Mitero: Inopiwa nehurumende zhinjisa nehurumende dzomunzvimbomo pakutengeswa kwezvinhu namamwe mabasa. Mwero inosiana zvikuru, kubva pa 0% munyika dzakadai seOregon neDelaware kusvikira kuinopfuura 10% mumativi eAlabama neLouisiana. Mitero inowanzorangarirwa kuva inodzorwa nemhaka yokuti vanhu vanowana mari yakaderera zvikuru vanopedzera mwero mukuru wemari yavo pazvinhu zvinobhadharwa.
  • [ Mutero wakananga pazvinhu zvakati zvakadai sepetroli, chinwiwa chinodhaka, uye matikiti endege. "Mitero miduku" pafodya nezvinodhakisa inowanzokwira, yakaitirwa kuodza mwoyo kushandiswa apo inokwidza mari. Mutero wepeturu wehurumende (18.4 parita) mari yeHighway Trust Fund.
  • Shandisa Mutero: Shamwari kumutero wokutengesa, mutero une chikwereti chokushandisa pazvinhu zvakatengwa munyika (mutoo, paIndaneti) asi unoshandiswa mukati menyika yako. Inowanzova nechikwereti pazvinhu zvikuru zvakadai semotokari kana kuti zvikepe kudzivisa vagari kubhadhara mutero nokutenga munzvimbo dzose dzehurumende.

Zvinhu Nemitero Yepfuma

Mitero yepfuma ndiwo manyuko makuru emari inopinzwa nokuda kwehurumende dzomunzvimbomo (nyika, maguta, maruwa ezvikoro). Mitero youshingi, kureva kuti yakavakirwa paukoshi hwakatemwa hwenzvimbo chaiyoiyo (nyika nezvivako). Mwero inoratidzirwa mu "maricls" (agute i $5 000 yomutengo unowirirana). Nepo mitero yenzvimbo inochengeteka uye inooma kudzivisa, vanogona kuremedza varidzi vemisha pamari inotengwa kana mipimo yepfuma ikwira nokukurumidza kupfuura mari inotambirwa.

Pamwero wehurumende, mutero wenzvimbo wezvisaririra unoshanda kuendeswa kwepfuma kubva kuvanhu vakafa kuvadyi venhaka vavo. Muna 2024, kuhesvurwa kwakakwirira zvikuru ($13.61 mamirioni pamunhu), kureva bedzi chikamu chiduku zvikuru chemitero yenzvimbo. Dzimwe nguva kunongedzerwa zvisina kururama se "mutero worufu." Mutero mutero wechipo mutero wakabatana pamisi inoshandiswa nomunhu muupenyu, wakagadzirirwa kudzivisa mutero wenzvimbo.

Mubayiro Mukuru Nokuwana Mari

Mhindu dzinobva mukutengeswa kwepfuma yakadai semasheya, zvisungo, nzvimbo, uye zvinenge zvichiunganidzwa dzinoiswa pasi pe inowana mutero. Mwero unotsamira pakuti wakachengeta chinhu chacho kwenguva yakareba sei:

  • Mhindu yematunhu [ (inozivikanwa kwegore rimwe kana kuti pasi) inotakurwa semariwo zvayo pamwero wako womucheto (kusvikira ku 37%).
  • mhindu dzenguva refu (inoitwa kwerinopfuura gore rimwe) inobetserwa nemwero yakaisvonaka ya0%, 15%, kana kuti 20%, zvichitsamira pamari yako inobhadharwa. Ikoku kunochinja mari yenhambo refu.

Mutero wemari inotambirwa yemari yemari yepahomwe we3,8% unoshandawo kuvabhadhari vemitero vanotambirwa mari yakawanda, uchisundira mwero mukuru mukuru pakubudirira kwenguva refu kusvika ku 23.8%. Kunzwisisa nguva yokuchengeta igadziriro inokosha yokuti vatengi vagadziri vagadziri vagadzirise mitero yavo yapera.

Kuziva Muitiro Wegore Negore Wokubhururuka

Chinangwa ndechokunyora zvinhu zvakarurama, kuderedza mutongo wako wepamutemo, uye kudzivisa zvikanganiso zvinokonzera kuongororwa kana kuti kunonoka.

Kuisa Chinotangira Gore Rose

Musi unopisa pana April 15 unongova bedzi bvunzo yokupedzisira. muuyo wako womutero unosarudzwa zvikurukuru nezvisarudzo zvakaitwa mugore rapfuura rose.

  • W-4 Uradiso: nokuda kwavashandi, fomu W-4 rinoudza mushandirwi wako kuti mutero wemari yakawanda sei kuti urege. W-4 yakarurama inodzivisa mabhiri makuru kana kuti marefu makuru. IRS COS Withing Estimator (inowanika pa ] TERS.gov[]) chishandiso chine simba chokunzvera kubhadhata kwako, zvikurukuru pashure pokuchinja kukuru kwoupenyu seroorano kana kuti kuberekwa kwomwana.
  • Kubhadharwa kwemitero kwaMakemikari: Kana uchishanda iwe umene, mubhadhari, kana kuti une mari yemari yemari, sezvingabvira unofanira kuripa [ mitero inoyemurika [[ panhambo nenhambo (April, June, September, uye January wegore rinotevera). Kukundikana kuita saizvozvo kunogona kuguma nokuripira zvirango, kunyange kana ukagara panguva yakarongwa.
  • Kuchengeta: Chengeta mapepa akarongwa emari inowanwa (1099s, W-2s, K-s) uye ndyiko dzinoshanda. IRS inorumbidza kuchengeta mapepa kwaanenge makore matatu pashure pokunyora, asi akareba (makore manomwe) kuchenjera kana ukanyora kutaura kwokurasikirwa nedzisingabatsiri kana kuti chikwereti chakaipa.

Zvisarudzo Zvinokosha Zvokuita Kuti Kudzoka Kwako Kuve Kwakakwana

Deredza mari yaunotambira mutero wowedzera zvikwereti kupfurikidza nokuronga kwegore rose.

  • Mipiro yokudzorera: Mipiro kuIRA yegamuchidzanwa kana kuti 401(k) ideredza kugadziridzwa kwegore rako razvino uno kweGross (AGI). Nokuda kwa2024, 401(k) i $3 000 ($30,500 kana inopfuura 50). Roth IRA haigoveri mutengo wakakwirira asi inobvumira kubvisa mitero mupeto.
  • Kuisa Mutero wemitero. Mitero inogoverwa (kana kuti mutero wekare), nhauro inokura kusununguka, uye kubvisa mari dzinodikanwa pakurapa ihombe. Nokuda kwa2024, unogona kugovera $4,150 (inoshandiswa) kana kuti $340 (inoshandiswa).
  • Yakapfakanyika uhwu. Kuisa: Voruzhinji vavateresi zvino vanofanira kutora zvitsama zvinotemwa zvinotapurwa. Unofanira kuisa zvitsama zvinodavirwa paPhemily A bedzi kana hwerengedzo yako yaibvumira mari inopfuura chitsama chainodikanwa. Zvitsama zvinowanzobatanidza hurumende nemitero yomunzvimbomo (SALT, mari inobhadharwa pa $10 000), mutero wemari, ndyiko dzezvokurapa dzinopfuura 7.5% yeAGI, uye mipiro yorupo.
  • [[FLT: 0] Throughtions: American Opportunity Task Crend (AOTC) neLiving Learning Crever (LLC) zvinogona kubvisa ndyiko dzedzidzo dzakakwaniriswa. AOTC yakaenzana ne $2,500 pagore nokuda kwamakore mana okutanga ekoreji.

Kutsigira Kunowanzoitika

Kunyange nokuronga kwakanaka, zuva rokuronga rinounza ngozi.

  • Mitati yedzokero Yako: Nhamba dzeMath, Nhamba dzeNhare dzenzanga dzisina kururama, uye kusaina izvikanganiso zvebumbiro renhau zvakakurumbira zvikurusa. Kushandisa purogiramu yemitero inoremekedzwa kana kuti nyanzvi yakakwaniriswa (CPA kana kuti Mumiriri akapetwa) anoderedza idzi ngozi.
  • Kuwedzera: Chimiro 4868 chinokupa kufutunurwa kusingadzivisiki kwemwedzi mitanhatu kunhau (kusvikira muna October 15). Zvisinei, kufutunurwa kwenguva yokunyora faira ndi kwete[ kufutunurwa kwenguva yokubhadhara. Unofanira kuyera mutero wako ndokubhadhara inenge 90% yawo kupfurikidza nenguva yaApril yapakuvamba yokudzivisa zvirango nefariro.
  • Kunzwisisa maflagi: IRS inoshandisa Disriminant Fun system (DIF) kuti iwane mhindu nokuda kwokunzvera. Mireza mitsvuku inobatanidza mipiro mihombe yemibayiro yemibayiro ine chokuita nemari inowanwa, kurasikirwa kukuru kwebhizimisi, kukumbira mari yehofisi yepamusha, uye kukundikana kushuma mari yako yose pama1099.

Kuvhiringidzika Kwemitero Inopfuuridzirwa

Kusiya chokwadi nengano kunogona kukubatsira kuti usarasikirwa nemari uye usaita zvikanganiso zvakakura.

[[FLT: 0] MVURA: Mutero mukuru ibasa guru remari.
Sangano: Mutero mukuru unoreva kuti unoda kubhadhara mitero yako mugore rose, uchipa hurumende mari yemhindu isina mutengo. Nepo mari inomanikidzirwa ichiita kuti vakawanda vafambe, kugadziridza W-4 kuti uve nemari yakawanda mumari yako mwedzi mumwe nomumwe inowanzova gadziriro yemari yakaisvonaka.

Mhiko: Kana ndisingashandi mari yakawanda, handidi kunyora mari yomutero.
[FLT]] TSP: Zvinodiwa zvinokosha zvinobva pamubhadharo mukuru, asi kana zvikasakosha. Kana une mari yaunoshandira ye $400 kana kuti kupfuura, unofanira kunyora bhadhadhadha yedzo yaunotambira mari yose. Kuwedzera, ungafanira kuva anokodzera nokuda kwechikwereti chakafanana neETCC kana kuti CTC. Kana mitero yainyimwa pamubhadharo wako, unofanira kudzoka kukutaura kwako.

Mhiko: Kuwedzera kunokupa nguva yakawanda yokubhadhara mitero yako.
Sangano: Sezvadudzwa, kuwedzerwa kwacho ipepa bedzi. Nguva yokuripa ichiri April 15. Kana ukasabhadhara paApril 15, IRS ichabhadhara mhindu pachiyero chisingabhadharwi uye ingaisa chirango chokukundikana. Ripira zvakawanda sezvaunogona kuita panguva yokuderedza chikwereti ichi.

[[FLT: 0] Mhiko: Varoorani vanochengeta mari nguva dzose kupfurikidza nokubatanidza.
FOT] Mukurumbira unobatsira mumamiriro ezvinhu akananga. Somuenzaniso, kana mumwe ane mutengo mukuru wokurapa kana kuti mutengo wemari, kana kuti kana mumwe akaroorana akakweretesa mitero, [[FTLT:7]] [kudzorwa kwapaposesa, ] Muuyo unogona kuva muuyo wakaderera.

Mhiko: IRS iri kutarira kufamba kwangu kuri kwose uye ichandinzvera nokuda kwezvikanganiso zviduku.
[FLT]]FOL:] IRS muchina wemaidi. Inogamuchira makopi e W-mmatterting. Anogamuchira makopi ewako W-2 na 1099. Masvumu akawanda zvikurusa ezvitsamisiro itsananguro (zvinodzorwa netsamba) inowirirana namabhadharo akananga pasi pemari kana kuti kusawirirana. Mwero unobhadhadzanwa wemisvudzisa mumwe nomumwe ishoma zvikuru kupfurikidza nokungogovera. Gadziro yakapfava zvikurusa inosarudzwa nokungonyora.

Basa Rinoshingaira Romubhadharo Muhurumende Inosarudzwa Navanhu

Kunzwisisa kwaunoenda uye kushandisa kwaunoita mashandisirwe aunoita mitero ndiwo musimboti webasa rehurumende.

Kutsvaka Mari Inoshandiswa neHurumende

Translation inheyo yechivimbo. Hurumende yehurumende inogovera mashoko ane udzame pamusoro pepanopirwa mitero. Unogona kunzvera zvibvumirano zvehurumende, mari yemitero, uye bhajeti yesangano kupfurikidza ne .Gov. Kunzwisisa bhajeti yehurumende yemari(* inokwana 1/3) inomira kukushandisa mari kunodikanwa (Sacual Security, Medicare, Mdicaid), imwe-3 kudziviriro nechengeteko, uye yasara kupurogiramu dzepamba nemhindu yezvikwereti zvemari yapamutemo nokuda kwekurukurirano yezvamatongerwe enyika.

Kupinda misangano yemagungano eguta uye kuvhota zvibvumirano zvechikoro inzira dzakananga dzokuchinja mashandisiro anoitwa mari yemitero yemari yezvikoro, maraibhurari, madhipatimendi emapurisa uye mapaki.

Kumanikidza uye Mutezo Wemutero

Mitero inoratidzira zvinhu zvinokosha. Ndyiko dzemitero . Ndyiko dzemutero, zvitsama zvemari, zvikwereti, uye mwero yezvikwereti zvinoda mari yazvo nejeresa zvinoparirwa nehurumende kupfurikidza nebumbiro remitero. Mienzaniso inobatanidza chitsama chemubayiro wemari (zvinotengesa muridzi weimba), mushandirwi reinishuwarenzi youtano (anobhadharwa mushandirwi akavakirwa pamusha), uye kuwana mari yedzimbahwe yaanoda (kukurudzira kutengwa kwemari inobhadharwa).

Somugari wemo, unogona kutsigira mitemo yomutero inowirirana nemipimo yako. Ikoku kungareva kutsigira gadziriro yomutero inofambira mberi [, kutsigira mutero wakakwirira[, kusundira nokuda kwe mutero wakaiswa mubatanidzwa wevarakata [[FLT]] [[FLT] [FLT], kana kuti kutsigira kubviswa kwezvitsama dzakati. Kubatanidza muitiro wemitero, kunyorera vamiririri vako, uye kutsigira masangano okunzvera akafanana ne [FLT:][FLT][FLT]

Kutendeseka Kwegadziriro Yacho

Gadziriro yemitero inoruramisira inotsamira pakuteerera kwokuzvidira kwakapararira. Apo vanhu kana kuti masangano vanonzvenga mitero nenzira yokunyanyisa, mutoro unochinja kuavo vanobhadhara nokutendeseka. Uku kuderera kwenzvimbo yemitero kunonetesa mabasa avose uye kunoderedza chivimbo muhurumende. Kuzadzika mutoro wenyu wehurumende kunoreva kurongedza nokutendeseka, kushuma mari yose, uye kubhadhara mugove wako wakakwana. Kunorevawo kuraira kuzvidavirira kuvose vari vaviri vateresi neIRS imene. Vavariro yacho igadziriro inoshanda zvakanaka, inowirirana, uye inorangarirwa seyapamutemo navanhu vainoshanda.

Kudzosa nyika yemitero unyanzvi hwenduramo. Kubatanidza nzira yomunhu oga yemari nokunzwisisa kukuru kwomuitiro wavanhu. Kupfurikidza nokupfuudzira kudzvinyirira kwegore negore kwokutsvaka nokugamuchira basa romubhadhari wemitero ane ruzivo rwokuzviwanira, unoita kuti musengwa wehurumende uve banza. Unokwanisa kudzora mari yako uye kutora rutivi nomutoo une revo mugadziriro yehurumende inotonga nguva yedu yemberi. Gadziriro yacho yakaoma, asi nezivo yakarurama, unogona kuishandisa nokujeka nedonzo.