Chii Chiri Mitero Uye Nei Ichikosha?

Mari dzemutero dzinoda kubhadharwa indyiko dzeInternal Revenue Service (IRS) dzinokubvumira kubvisa pamutero wakawanda, nokudaro uchideredza mari yako inobhadharwa mutero. Kana mari yakaderera yaunobhadhara mutero, mutero muduku waunofanira kubhadhara (kana kuti mutero mukuru zvikuru ungava. Kunzwisisa mari yemitero ndeimwe yenzira dzinoshanda zvikuru dzokutarisira nayo mitero yako pamutemo. Zvisinei, kukumbira mari yemitero inofanira kutakurawo mitoro: unofanira kusvitsa mipimo chaiyo, kuchengeta manyoro akarurama, uye mafaira. Iyi nhungamiro inokudzwa inofukidza mari yemitero yakasariranwa zvikurusa, nzira yokusarudza nayo pakati peripo inotengiswa yemitero inotengo inotengwa nechinhu, uye mitero iri yose inofanira kuzadzika kuchengetwa kuti ugare.

Servetuction v.

Munhu wose anobhadhara mutero anotarisana nechisarudzo chinokosha: sarudza mari yaunoda kubhadhara kana kuti deredza zvinhu zvaunoda.

Kushandiswa Kwakakodzera

Mari inotapudzwa inoenderana neyaunotambira inoderedza mari yaunobhadhara mutero. Haufaniri kuronga mari yaunoda kuti ukwanise kubhadhara. Mari yacho inoenderana nenzvimbo yako yokunyora mari, zera, uye kana uri bofu.

  • [ mafaira mamwe:[ $1600,00]
  • Yakabatanidzwa:[[[FLT] $220,200]
  • [[FOL:0] Head yeimba:[[FL:1] $2,00]
  • Kurongedzwa kwakaparadzana:[ $1600
  • Kuwedzera nokuda kwavateresi 65+ kana kuti mapofu:[[FL:1] $1,550 (mumwe/musoro wemba) kana kuti $1,250 (akarongwa)

Zvisinei, kana ndyiko dzako dzinokodzera dzichipfuura mari inoderedzwa, kuisa zvinhu zvacho muzvinhu zvaunogona kubhadhara kungagona kukuchengetedza.

Mishonga Yakagadzirwa (Screate A)

Kuisa kureva kuronga ndyiko chaidzo dzinobvumirwa pa Shoom A[FT:1]. Zvitsama zvakatsaurwa zvinowanzobatanidza mhindu yembango, nyika nemitero yomunzvimbomo (SALT), ndyiko dzezvokurapa nedzemazino, mipiro yorupo, uye kurasikirwa neronda. Unofanira kuisa zvinhu zvako zvose zvakunazvo kana kuti zvateshiswa zvichipfuura mwero wako womupimo. Iva nechokwadi chokuti zvimwe zvitsaruso zvakarongwa zvine makepisi kana kuti masero, naizvozvo kuyera kwokungwarira kunokosha.

Kurondedzerwa Kwemitero Yavose

Pasi apa pane zvitsananguro zvinonzi zvinowanzotaurwa, pamwe chete nemitemo inokosha uye ganhuriro muteresi ari wose anofanira kuziva.

Kurapwa Nematsi

Unogona kubvisa ndyiko dzezvokurapa nedzemazino dzisingadzoreki dzinopfuura 7.5% yemari yako yakagadziriswa yaunowana (AGI). Ndyiko dzinoshanda dzinobatanidza mari yavanachiremba, nyanzvi, nguva dzechipatara, mishonga yemishonga, kurapa kwamazino, tarisiro yemaziso, uye mamwe mabasa okurapa enguva refu. Ndyiko dzezvokurapa (g., kukwira pamwero wezvokurapa wakafanira) kungavawo ukoshi. TPI: Kutaura kuti mutengo, unofanira kuisa mutengo. Kana ndyiko dzako dzokurapa dziri dzakakwirira.

2. Nyika Nemitero Yemunharaunda (SARA)

Munogona kubvisa mari yemari nemari yomunzvimbomo, kutengesa, uye mitero yenzvimbo kusvikira kumuganhu wakabatanidzwa we $5 000 ($5 000) kana mukaroora mukavhoti). Iyi kapu inoshanda pasinei zvapo nomugariro wokurongedza. Unogona kusarudza kubvisa mitero yemari yemari kana kuti mitero yehurumende, asi kwete yose iri miviri. Mitero yezvinhu panzvimbo chaiyo yauinayo inobatanidzwawo pasi pechitsama chePULT. [[FLT:] Chinyorwa chemisiti ye $10] Chitsama Z $10] Chitsama Zvomubatanidzwa neTSCUTS naJobhos Chirevo ya201717, uye inosara iripo nokuda kwe2024.

3. Fariro Inofadza

Mubereko unobhadharwa pachikwereti chokugara chaishandiswa kutenga, kuvaka, kana kuti kunatsiridza musha wako mukuru kana kuti musha wechipiri unobhadharwa, unoganhurirwa. Nokuda kwechikwereti chemoneri zvakabviswa pashure paDecember 15, 2017, unogona kubvisa mhindu pa $750 000 yechikwereti chokugara chakakwaniriswa chokuronga chakarongeka. Kana mari yokukwereta yawakaroora kana kuti yokuroora yarongedzwa iri mamiriyoni $575 000 (Z $675 000 000). Mitengo inobhadharwa kuderedza mubereko wako ingaderedzwawo zviringanisika muupenyu hwechikwereti. Cherekedzo yemari inodzo inodzosa mari inoriswa inoriswa kukwira bedzi kana chikwereti chichishandiswa kuvandudza zvikuru zvinhu.

4. Mipiro Yokupa Zvipo

Mipiro kumasangano anopa mari inokwaniriswa haikwanisiki kana ukaisa mubhadharo. Unofanira kuva nechibvumikiso chakanyorwa chemipiro ipi neipi ye $250 kana kuti kupfuura. Mipiro yemari, chengeta chinyorwa chebhangi kana kuti risiti. Nokuda kwemipiro isiri yecash, unowanzoda risiti uye, nokuda kwezvinhu zvinokosha kupfuura $500, unofanira kusvitsa FORM 8283. Mari inoganhurirwa ku 60% yemipiro yako yeAGI yemari kumasangano avose (50% enzvimbo). Kunyanyisa kunogona kutakura mberi kwamakore mashanu.

5. Hofisi Yapamusha Inobvisa

Kana ukashandisa rutivi rwemusha wako nguva dzose uye zvikurukuru nokuda kwebhizimisi, ungakwanirisa nokuda kwechitsama chehofisi yemusha. Iyi shavo inowanika kuvanhu vanoshandira vanhu vamene nevavaki vakazvimirira asi isati iri kuvashandi. Mitoo miviri iripo: mutoo wakareruka (unowirirana ne $5% patsoka nhipati nemativi mana, $1,500) uye mutoo wenguva dzose (kubatanidza ndyiko chaidzoidzo kufanana nemhindu yeri, mari yeinishuwarenzi, uye gadziridzo). Chivanze chinofanira kuva nzvimbo yako huru yebhizimisi kana kuti uko unosangana navatengi. Kudaridzo: [[FLT: 1] ukuru hwezvikwereti zvehofisi zvepasharo zvepamusha zvinogona kuwedzera njodzi, zvinodzosera chinyorwa chakako zvinokosha.

6. Dzidzo Inodhura uye Mudzidzi Anowana Chido

Zvitsaru zvinoverengeka zvedzidzo zvinobatanidzwa nechikwereti zviripo. Tsvakaro yemhindu yemari inobhadharwa inobvumira kuti ubvise mari inokwana $2,500 yezvikwereti zvemari inobhadharwa pamari yavadzidzi vakakwaniriswa, kunyange kana usati waisa mari. Dzidzo dzinobatanidza CONTIONT [[FF:3] [Z] $2] (kukwira ku $2,500 pas $1,500) uye [[FLT] nguva yedzidzo yeD [FL:5] (kukwira $2,000 pa $5] inodzoka). Tuvhozoro nemari haisati iripo pashure pokunge pa2020 Kungano dzangongeripo.

7 Mipiro Yokurega Basa

Mipiro kumaIRA egamuchidzanwa, 401(k), SEP IRAS, uye dzimwe gadziriro dzokurega basa dzakakwaniriswa dzinogona kuderedza mari yako inobhadharwa mutero. Nokuda kwa2024, unogona kupira $7 000 kuIRA yegamuchidzanwa ($8 000 (kana une zera ramakore 50+). Kusakwanisa kwemipiro yeIRA kunoderera kana iwe kana kuti mukwanyina wako akafukidzwa negadziriro yokurega basa uye mari yako inopfuura ganhuriro dzakati. Nenzira yakafanana, mipiro kuSaves Accoults Accoults (HA) inogoverwa nemitero yemarisoko yeIRA.

8. Zvinodiwa Pakuzviriritira

Kana uchizvishandira, unogona kubvisa mari zhinji dzebhizimisi, kubatanidza mari dzeinishuwarenzi youtano, mipiro yemudyandigere, ndyiko dzehofisi yapamusha, ndyiko dzemotokari (maira kana kuti ndyiko chaiyoiyo), migove, kufamba, uye mabasa enyanzvi. Iva nechokwadi chemari yomunhu oga neyobhizimisi. mari yebhizimisi yakakwirira (QBI) [IT] (ITSV]) (ITSMISI 199A) ingakubvumirawo kubvisa kusvikira ku 20% yemari yako yakakwaniriswa yebhizimisi, inodzorwa kumiganhurirwa. Iyi mari inotorwa pashure pokunyora AGI.

9. Mwana uye Mbiri Yokutarisira Yakatsamira Pamunhu

Kunyange zvazvo ruzivo rwokuzvikweretesa panzvimbo pekuderedza, Child neChesternt Creenties inogona kuderedza mari yako yemari yomutero nokuda kwemari yemadhora. Inofukidza ndyiko dzekutarisirwa kwavana vari pasi pe13 kana kuti vanotsamira pakusakwanisa kuzvitarisira vamene, ichikubvumira kushanda kana kuti kutsvaka basa. Nokuda kwa2024, chikwereti chinogona kuva 35% yendyiko dzinokwaniriswa (dzinoganhurirwa ku $3 000 nokuda kwomunhu mumwe kana kuti $6 000 nokuda kwemari inopfuura), nezvikumbariso zvemari zvakagadziriswa.

10. Zvimwe Zviverengero Zvinooneka

  • Alimony yakabhadharwa: Yakakodzerwa nezvibvumirano zvechatanuro zvakaitwa pamberi pa 2019 (haisati ichakwaniriswa nokuda kwezvibvumirano zvitsva).
  • Kurasikirwa nokuba: Kunotsakatika bedzi kana kuchibva mungwavaira inoziviswa nehurumende, uye chitsama chinopfuura 10% bedzi yeAGI.
  • Kurasikirwa nokubhejera: Kunosagona bedzi kusvikira kutambanuko yokuwina kubhejera, uye kunofanira kugadzirwa.
  • Health Savings Accounting akhawunti (HSA) mipiro: Haibvi kunyange kana usati waisa, kusvikira kumiganhu yegore negore.

Mutoro Mumwe Nomumwe Muteresi Anofanira Kuzadzika

IRS inotarisira kuti vabhadhari vemitero vave vakatendeseka, vanonyatsoita zvinhu panguva yakakodzera.

Chengeta Manyoro Akarurama

Unofanira kuchengeta mapepa nokuda kwechitsaru chiri chose chaunotaura. Ikoku kunobatanidza mariti, mashoko ebhangi, mapepa enyiki, marogi emotokari akadzimwa, uye mashoko okubvuma nokuda kwemipiro yorupo. Mutemo wavose kuchengeta mapepa kwaanenge makore matatu kubva pamusi wawaisa kudzoka kwako, kunyange zvazvo mamwe mamiriro ezvinhu achida makore matanhatu nokuda kwokushuma mari shoma zvikuru. Pasina marekodhi akarurama, IRS inogona kubvisa zvitsama zvemari uye kuisa zvirango.

Nzwisisa Zvinodiwa Kuti Uve Munhu Anokwanisa Kubudirira

Haisi mari yose inokwanirisa. Somuenzaniso, mari yokurarama nayo haiwanzobhadhariswi. Kubviswa kumwe nokumwe kune mitemo yakananga .Ndokuva 7,5% AGI muuriri nokuda kwendyiko dzezvokurapa kana kuti $100,000 yeSALT. Ongorora zvinyorwa zveIRS kana kuti bvunza nyanzvi. Kusaziva mutemo hakusi dziviriro; IRS inogona kuyera fashoni nefariro nokuda kwezvitsauko zvakanzirwa zvisina kururama.

Faira Faira Kudzoka Kwako Panguva

Mutero unodzorwa pa April 15 wegore rinotevera (kana usingawiri pakupera kwevhiki kana kuti zororo, ipapo zuva rebhizimisi rinotevera). Dziviriro dzinowanika (For 4868) asi bedzi kutambanudza nguva yakarongwa, kwete nguva yokuripirwa. Kana une chikwereti, bhadhara mutero panosvika April 15 kuti udzivise fariro nezvirango. Kukundikana kunyora mufashoni kunogona kuguma ne 5% pamwedzi, kusvikira ku 25%.

Ratidza Kuti Vose Vachabudirira

Unofanira kubatanidza mari yose inobva kumanyuko api naapi(W-2 mibayiro, mari yehotera, mari yokutenga mari, mari yokubhadharisa, uye kunyange mativi sembwa inogamuchira makopi ezvinyorwa zvemari yakawanda (W-2s, 1099) uye yaidiwa nokudzoka kwako. Kushuma kunogona kunyandura kubhadharwa, uye kana IRS ikawana muenzaniso, ungatarisana nezvirango zvekuregeredza kana kuti kubiridzira.

Ramba Uchiziva Nezvechinjo Dzomutemo Wemutero

Mitemo yemitero inongoerekana yavapo. Somuenzaniso, Kucheka Mutero neMitemo yeMari yakabvisa kuregererwa kwemunhu oga ndokuchinja ganhuriro dzakawanda. Mutemo wemisi ichangobva kupfuura iyi wakadai seSECURE Act 2.0 yakatapura mitemo yemipiro yokurega basa. Tevera transferturation[ kana kuti kunyoresa kupepa remitero kudzivisa chinjo dzinoshaikwa idzo dzinogona kutapura zvitsauko zvako.

Funga Nezvokushanda Nenyanzvi Yemitero

Software yokugadzira mutero inoshanda zvakanaka nokuda kwemibhadharo yakapfava, asi kana une mugariro wakaoma webasa, zvinhu zvokurenda, kuchengetesa mari, kutengeswa kwapamusha kwakawanda ((a contarent revoruzhinji) kana kuti mushandi anonyoreswa anogona kubetsera. Inogona kuzivisa mari dzaungarasikirwa nadzo ndokukuchengeta. Mubhadharo unowanzova unoderedzwa sechitsama chakagadzirwa chakarongwa chavanhu vari kushanda vari voga (asi cherechedza kuti mari inobviswa yemitengo yemibato inodzorwa yemari inodzorwa yakaitwa yogaro yomunhu oga kusvikira ku2025).

Zvirongwa Zvokuwedzera Zvikarakadzo Zvako Zvokushandisa

Kuronga mutero nokuchenjera kunopfuura kungoronga ndyiko. Hedzino nzira dzinoshanda:

Kushandisa Mabhakitiriya

Kana zvitsaru zvako zvakaiswa zviri pedyo nechitsama chezvitsaru zvinotapurwa, rangarira "ndyiko dzinotsaurirwa kugore rimwe. Somuenzaniso, ita kuti mari inobhadharwa ive yakafanira yamakore maviri yemipiro yorupo kana kuti purogiramu yezvokurapa inosarudzwa mugore rimwe. Ipapo shandisa zvitsauso zvinotevedzerwa zvinotevedzana gore rinotevera. Iyi nzira inogona kukubetsera kupfuudza mari inotedzerwa inotedzerwa bedzi mumakore apo unounganidza, ichiwedzera mari yakachengetwa mutero mumakore maviri.

Shandisa Mitero Yakanaka

Mipiro kuHS se, maIRA egamuchidzanwa, uye 401(k) anoderedza mari yako inobhadharwa mutero zvakananga. Kunyange kana usingaisi mari iyi inopa mari yomutero. Nokuda kwa 2024, HSA ganhuriro dzemipiro i $4,150 nokuda kwavanhu vamwe navamwe uye $8,300 nokuda kwemhuri, ne $66 000 inobatwa nokuda kwaavo 55+. Kuwedzera idzi nhauro kana kuchibvira.

Chengeta Chivako Chisingakuvadzi

Kana ukashandisa motokari yako nokuda kwebhizimisi, kurongeka kwezvokurapa, kana kuti basa rokuyamura, danda reIRS rinokosha. Mwero wemaira 2024 yapakati ndeiyi: Masendi 67 pakiromita nokuda kwokushandisa kwebhizimisi, 21 masendi nokuda kwokurapa/kufamba, uye 14 sendi nokuda kwebasa rokuyamura. Log musi, nzvimbo, chinangwa, uye kurava kweodometer.

Ongorora Kurega Kwako Nokufungidzira Kubhadharwa

Mitero inotapura mutero wako, asi unofanirawo kuva nechokwadi chokuti uri kubhadhara zvakakwana mugore rose. Shandisa PIROS UROPI KUBHESHURA [ kugadziridza W wako kana kuti kuita mari inofungidzirwa kuva yakaenzana kana uchizvibatira iwe umene. Kubhadharisa kunogona kuguma nezvirango kunyange kana ukataura kuti mutengo wakawanda uri papepa.

Zvikanganiso Zvinozivikanwa Navose Zvokudzivisa

Kunyange vanonyatsova nehanya vanobhadhara mitero vanogona kukanganisa.

  • Kuderedza mari yaunosakwaniriswa nokuda kwa: Somuenzaniso, hofisi yepamusha inoda kushandiswa kwenguva dzose uye kwakazara, (kamuri rependi rinoshandiswa panhambo nenhambo harikwaniswi.)
  • [ Kukanganwa kubatanidza mari: Kunyange zvitsama zviduku zvinobva kumabasa akasiana zvinofanira kushumwa. IRS inogona kuona kusawirirana.
  • [ Kufukidza zvikanganiso kana kuti mapepa anoshaikwa: IRS ingakumbira chibvumikiso; pasina ihwo, zvitsaru zvinogona kurambidzwa.
  • Kusaenzanisa mavs agara aripo. yakarongwa: Vamwe vateresi vemitero vanoisa zvinhu zvavo vamene pasina kunzvera kana perefu yesero yakakwirira. Rudzisa nhamba dzacho dzose dziri mbiri.
  • Zvinoreva zvehurumende zvemitero: Dzimwe nyika dzinobvumira kubviswa kusingabvumirwi nomutemo wehurumende, kana kuti kupesana. Ongorora mitemo yemitero yehurumende yako.

mhedziso

Mitero inoshandiswa nesimba kuderedza mutoro wako wemitero, asi inouya nomutoro wokushuma kwakarurama nokunyora nokushingaira. Nokunzwisisa kusiyana kwezvinenge zvabviswa uye kunyorwa, kuziva zvitsauko zviripo, uye kuramba wakarongwa, unogona kuderedza mitero yako nenzira yapamutemo uchigara kudivi rerudyi romutemo. Mitemo yeMitero inochinja kazhinji kazhinji, saka bvunza mukuru mukuru mukuru weIRS kana kuti nyanzvi inokwaniriswa gore negore. Kutora nguva yokuronga zvawakaronga nhasi kunogona kutungamirira kukuchengetesa mari inokosha panguva inotengwa.