Kunzwisisa mitero inokosha kuti uwedzere kubhadhara mutero uye kuderedza mutero wako. Iyi nhungamiro inoita kuti uite zvinhu zvinokosha pakubvisa mitero, kubva kurondedzero kusvika kumitoo yakakwirira, ichakubatsira kugadzirisa kuoma kwokudzoka kwako mumutero nechivimbo. Ungave uri muridzi wemafaira enguva yokutanga kana kuti muridzi webhizimisi ane ruzivo, kugona kuchengetedza zviuru zvemadhora gore rimwe nerimwe.

Chii Chiri Mitero?

Mari dzemitero, dzinozivikanwawo sedzinonyora mutero, indyiko chaidzo idzo Internal Revenue Service (IRS) dzinokubvumira kubvisa pamubhadharo wako wose unobhadharwa mutero. Kupfurikidza nokuderedza mari yako yakagadziridzwa (AGI), zvitsauko zvinoderedza chitsama chemari inobhadharwa pamutero wehurumende. Izvi zvinoderedza zvakananga mutero wako wemari yemitero. Nhamba inoderedza chikwereti chako chaunowana.(wn.)

Kunokosha kusiyanisa pakati pemari yomutero nechikwereti. Nepo zvitsaru zvinoderedza mari yako inobhadharwa mutero, zvikwereti zvinoderedza mari yako yemitero ye $5 nokuda kwemari. Zvimwe zvikwereti zvinowanzobatanidza Child Tax Created neIniverse Integication. Zvirongwa zvemari yemitero zvine simba rakaenzana, zvikurukuru nokuda kweiyo iri muzvibhurori zvemitero zvakakwirira, nemhaka yokuti dora rimwe nerimwe rinobviswa mutero zvinokuchengetedza seringa yakaenzana neripo paunoringatambira.

Somuenzaniso, kana uri muboka remitero ra 22% uye uchikumbira mari inoripwa $2 000 (Z $2 750) mumitero.

Mhando Dzevatsigiri Vemitero

Mitero inobviswa mumapoka matatu makuru: zvitsaru zvinoshandiswa, zvitsauso zvinobviswa, uye zvitsaru zviri pamusoro pemitengo. Rusando rumwe norumwe rune mitemo yarwo nebetsero, uye ungakwanisa kushandisa rudzi runopfuura rumwe mugore rimwe romuraudzo.

  • Chitsama chakaenzana: Chitsama chakatemwa neIRS icho vateresi vazhinjisa vanogona kutaura pasina kuda kuronga ndyiko dzomunhu oga. Chitsama chinosiana kupfurikidza nemugariro wemari (yokutanga, yakarongeka, yakabatanidzwa pamwe chete, musoro wemhuri, zvichingodaro) uye chinogadziridzwa gore negore nokuda kwokukwira kwemitengo.
  • Yakatemwa: Ndyiko dzakananga dzaunoronga pa [[FT:2] shambiso A (FORM 1040) kuderedza mari yako inobhadharwa. Zvitsama zvinobatanidza mubereko wechikwereti chemota, mitero yomunzvimbomo (SALT), mari yezvokurapa, uye mipiro yorupo. Kushandisa mari kunoda kuti uchengete marekodhi namariti.
  • Kupfuura-Mutsetse: zvinonziwo gadziridzo kumari inowanwa, idzodzi dzinobviswa pamubereko wako mukuru usati waverenga AGI yako. Dzinowanika pasinei zvapo nokuti unoisa kana kuti unoshandisa mari inowirirana. Mienzaniso inobatanidza mipiro kuIRA, fashoni yavadzidzi, uye ndyiko yomudzidzisi.

Vateresi vakawanda vachaenzanisa mari yose yavanenge vaisabhadharisa neyavanobhadhara neyavanobhadhara vosarudza mari yakakura.

Servetuction v.

Kusarudza kana ungatora zvitsaru zvakatiroirwa kana kuti kuisa zvitsauko zvako ndichimwe chezvisarudzo zvinoparira zvikurusa zvaunoita pakuisa mubhedha. Hechino chitarisiko chakadzika padanho rimwe nerimwe.

Kushandiswa Kwakakodzera

Kuderedzwa kwemari kunotarisirwa ndiyo nzira iri nyore zvikuru yokuderedza nayo mari yaunobhadhara mutero. Mugore ra2024, zvitsama zvemari inobviswa (yakabviswa kubva muna 2023) ndeizvi:

  • Mafaira ari oga: $1600
  • Purani yakarongeka pamwe chete: $2 99 200
  • Musoro wemba: $21 900
  • Kuisa mapepa eroorano akaparadzana: $1600

Iyi mitengo inowedzera zvishoma gore rimwe nerimwe nemhaka yokukwira kwemitengo. Kana uri namakore 65 kana kuti kupfuura kana kuti mapofu, ungakwanirisa nokuda kwechitsama chinotevedzerwa chinorebeswa chinorebeswa. Vabhadhari vazhinji vanowana chitsama chomupimo chiri nyore nemhaka yokuti hachidi kuchengetwa kwendyiko dzinotsarukana. Zvisinei, kana zvitsananguro zvako zvakarongeka zvichipfuura mutengo wetsika, kunoita mufungo wemari kuisa zvinhu.

MaDecucuriation Akaiswa Muchikamu

Kushandisa zvinhu kunoita kuti ukwanise kutaura zvinhu chaizvo zvinoda mari zvinonzi neIRS hazvishandi.

  • [ Fariro yemari: Fariro yakabhadhara kusvikira ku $750 000 yechikwereti chokuwana musha chakakodzera (kana kuti mamirioni $1 $2 yechikwereti chakatengwa pamberi paDecember 16, 2017).
  • Chikamu neMitero yemo yeMusha (SALT): Unogona kubvisa mitero yemari inotambirwa kana kuti mitero yehurumende yokutengesa, uye mitero yezvinhu, kusvikira kumuganhu wakabatanidzwa we $5 000 (Z $5 000) kana yakasarira).
  • Dzemari neDENDLAS: Ndyiko dzinopfuura 7.5% yemari yako yakagadziridzwa yaunowana (AGI) haishandi. Ikoku kunobatanidza kubhadhara vanachiremba, zvipatara, mishonga inotenderwa, uye mimwe mibato yenhambo refu.
  • Accounting Mipiro: Mipiro kumasangano anopa mari inokwaniriswa inogona kubviswa, neganhuriro inosvika 60% yeAGI yako nokuda kwemipiro yemari (mukuwirirana nemitemo yakati).
  • Kurasikirwa nokurasikirwa: Kurasikirwa nengwavaira dzinoziviswa nouhurumende kungabviswa, asi bedzi kana ukaisa uye kurasikirwa kunopfuura 10% yeAGI yako kubatanidza $100.

Kunyora pasi kunoda kuti unyatsoongorora zvinyorwa, zvakadai semarisiti, macheki, uye zvitatiso zvebhangi.

Zvinodikanwa Zvinogamuchirika Nokuda Kwokunatswa

Kuti upedzere kuderedzwa kupi nokupi kwomutero, unofanira kusvitsa mipimo chaiyo yokuwana:

  • Unofanira kuva wakaita ndyiko mukati megore rauri kuisa mutero.
  • Ndyiko inofanira kurangarirwa [[FLT: 0] yakapfava uye iri madikanwa [ nokuda kwebasa rako, bhizimisi, kana kuti mugariro womunhu oga. Somuenzaniso, hofisi yemusha inofanira kushandiswa chose chose uye nguva dzose nokuda kwebhizimisi.
  • Nokuda kwezvitsaruso zvakagadzirwa, unofanira kuva nezvinyorwa (receips, invoisi, magadziro) zvinobvumikisa chitsama nedonzo zvendyiko.
  • Somuenzaniso, mari yechikwereti yevadzidzi inotanga kuderedzwa nokuda kwevanenge vachinyorerana chikwereti neAGI yakachinjwa inopfuura $75 000 muna 2024.

Kana usina chokwadi nezvokuva kwako nekodzero, bvunzai IRS kuti muone kuti imarii yamunobhadhara kana kuti taurai nachiremba wemitero.

Mitero Yavose Nokuda Kwavanhu

Munhu mumwe nomumwe anobhadhara mitero anogona kushandisa mari yakawanda kuti aderedze mari yaanotambira kubhadhara mutero.Pazasi pane dzimwe dzedzinowanzonzi dzinodziviswa, pamwe chete neganhuriro dzinokosha uye mifungo.

Kurapwa Nendyiko Dzemazino

Kana une ndyiko huru dzezvokurapa dzinoda kurapwa, ungakwanisa kubvisa chikamu chinopfuura 7.5% yeAGI yako. Ndyiko dzinoshanda dzinobatanidza mari yeinishuwarenzi youtano (kana pasina kubhadharwa ne $5 yemari inobhadharwa nemutero wezvikwereti), shanyo dzachiremba, chipatara, kusara, meno, tarisiro yemaziso, uye mirimo inonyorwa nachiremba. Zvingafanira kufamba indyiko dzekurapa (g., mamita emwero yemwero yezvokurapa), uye kunatsiridza musha wako nokuda kwezvikonzero zvokurapa (g., kuisa majampsiro kana kuti zvimbudzi).

Mudzidzi Anowana Fariro

Unogona kubvisa mari inokwana $2,500 yemubereko wakaripirwa pachikwereti chavadzidzi chako umene, mukwanyina wako, kana kuti mudikanwi wako. Chitsama chinotorwa sechigadziridzo chezapamusoro pezasi, kureva kuti haufaniri kuisa zvinhu. Zvisinei, zvikamu zvinobviswa nokuda kwavagadziri mumwe vane AGI vane AGI vanodarika $80 000 ($165 000 nokuda kwemapepa akarongerwa pamwe chete) muna 2024.

Mipiro Yokurega Basa

Mipiro kuIRA yegamuchidzanwa ingava yakazara kana kuti isingashandi, kuchitsamira pamari yako uye kana iwe (kana kuti mukwanyina wako) uchifukidzwa negadziriro yomushandirwi anorega basa. Nokuda kwa 2024, ganhuriro yomupiro weIRA i $8 000 ($8 000 (kana une zera ramakore 50 kana kuti kupfuura). Kana iwe umene uchishanda, mupiro kuSEP IRA kana kuti Solo 401 inogona kubviswa sendyiko yebhizimisi.

Zvipo Zvinopiwa NevaHuguenot

Mipiro kumasangano akakwaniriswa 501(c)(3) haibviri kana uchiisa. Mipiro yemari yakaganhurirwa kazhinji kazhinji kusvika 60% yeAGI yako, asi mipiro isiri yecash (g., zvipfeko zvinoshandiswa, fanicha) ine ganhuriro dzakaderera uye inofanira kukosheswa pamutengo wakaenzana wemusika. Nokuda kwemipiro inopfuura $250, unoda kuonga kwakanyorwa kubva kurupo. IRS inogovera nhungamiro ine udzame pa [ mipiro yomubayiro yokubatsira vamwe .

Ndyiko Dzavadzidzisi

Vadzidzisi navamwe vadzidzisi vakakodzera vanogona kubvisa $300 (Z $6 600) kana vose vari vaviri vakaroorana vari vadzidzisi uye mafaira) vendyiko dzisina kudzorwa nokuda kwemigove yekirasi, mabhuku, uye kukura kwenyanzvi. Uku kuderedzwa kwepamusoro pemitsetse.

Mitero Yavose Yebhizimisi

Varidzi vemabhizimisi nevanhu vanozvishandira vane mari yakawanda inoderedzwa inogona kuderedza zvikuru mari inobhadharwa nemitero. Kunzwisisa uye kunyora pasi mari iyi inobviswa mugore rose kunokosha pakuronga mitero kwakakodzera.

Mitengo Yebhizimisi Yenguva Dzose Neiri madikanwa

IRS inobvumira zvitsaruso zvendyiko dzose dziri mbiri zvawo zvawo (zvinozivikanwa muindasitiri yako) uye zviri madikanwa[ [[FLT]] (yakakodzera uye yakakodzera bhizimisi rako). Mienzaniso inobatanidza rendi yehofisi, migove, kuzivisa, mari, inishuwarenzi, uye mari yomushambadzi. Izvi zvinoshumwa pamusoro pe [[FMLT:] C (FORGN)[FT:5] nokuda kwedzo yebhiri yebhizimisi kana kuti pabhizimisi rakafanira remitero (g., 1120).

Kugadzirwa Kwehofisi Yepamusha

Kana ukashandisa chikamu chemusha wako chete uye nguva dzose nokuda kwebhizimisi, ungakwanirisa nokuda kwechitsama chehofisi yepamusha. Unogona kushandisa mutoo wakapfaviswa ($5 patsoka nhii netsoka nhii nemativi mana) kana kuti mutoo wenguva dzose (kuwedzera ndyiko chaidzo dzakadai semhindu yechikwereti chembatya, mishonga, uye kugadziridza zvinowirirana nokushandiswa kwebhizimisi). Cherekedza kuti mari yabviswa iyi inowanika bedzi nokuda kwavanhu vane mabasa avo vamene; vashandi havagoni kutora hofisi yemusha pasi pomutemo wazvino uno.

Ndyiko Dzemari

Varidzi vemabhizimisi vanogona kubvisa mutengo wokushandisa motokari nokuda kwezvinangwa zvebhizimisi. Une mitoo miviri: Mwero wemaira wakaenzana (masendimita 67 pakiromita nokuda kwa2024) kana kuti mutoo wemari [ wemari yemari [[ [inoshandiswa gasi, kugadziridza, inshuwarenzi, zvichitsamira panhamba yemaira ebhizimisi). Mwero wemari yetsika yakapfava yakapfava yakapfava, asi mutoo chaiwo ungabudisa mutengo mukuru kana une motokari yakakwirira. Chengeta gira gira daro rakazara raudzo kuti utsikire.

uye Chikamu 179

Zvinhu zvebhizimisi zvakadai semakombiyuta, michina, uye fanicha zvinogona kubviswa paupenyu hwazvo hunobetsera. Zvisinei, Kuderedza 179 zvinokubvumira kubvisa mutengo wakazara (kusvikira ku $100,000 mu2024) wokukwanirisa kana kuti kuisa zvinhu zvitsva mubasa mukati megore remutero. Nhamba yaro (60% nokuda kwa 2024) inobvumirawo kubviswa kwepfuma nokukurumidza nenhambo yokunatsiridza kwamakore 20 kana kuti pasi. IRS inogovera miraudzo yakakwana pa mitoo inoiswa panzvimbo itsva kana kuti inoshandiswa mubasa mukati , yakaiswa padatejiro. [[FLT:]]

Kuzvinyima Mutero

Vanhu vanoshanda vamene vanobhadhara zvose zviri zviviri mushandiri nomushandirwi zvikamu zveSacutity and Medicasare, izvo zviri mutoro unokosha. Zvisinei, unogona kubvisa chikamu chinoenzana nomushandirwi webasa rinobhadharwa (50% yomutero webasa romunhu oga) serinoderedzwa riri pamusoro apa paPremial 1040, richideredza mari yako yose inobhadharwa mutero.

Nzira Yokuti Mutero Unodzorwa Nayo

Kunyatsoongorora mitero yacho kunoda kurongeka uye kunyatsoongorora mitero yacho.

  1. unganidza mapepa ako: Marisiti ose, W-2, 1099, zvitsama zvemhindu yembava (Form 1098), kubvumira kwokubetsera, matanda, uye kupeta kwemari yezvokurapa. Mazita egore anogamuchirwa chero bedzi akajeka uye akakwana.
  2. Sarudza zvitsaru zvako zvinotsaurwa zvinotapurwa. zvinoiswa: Shandisa purojeti kana kuti purogiramu yemitero ku hwerengedzo yendyiko dzako dzinoshanda. Kana hwerengedzo inopfuura zvitsama zvako zvinotsaurirwa zviri musero, uchaisa. Zvikasadaro, shandisa zvitsama zviri mupimo.
  3. shopu A (kana ikaiswa): Kuendesa ndyiko dzako dzakakodzera kuShedynal A ndokudziwedzera. Hwerengedzo inobva kuShedynal A inopindwa paFomu 1040, layini 12.
  4. Claim pamusoro pezvitsaru zvomutsetse: Shandisa zvimiro kana kuti rudungwe nokuda kwegadziridzo dzakadai seIRA shavo (FOR 5329 kana kuti risiti yako yomupiro weIRA), fakiso yemari yavadzidzi (Scree 1, layini 21), uye ndyiko dzomudzidzisi (Sapure 1, layini 11).
  5. Firimu yokudzoka yako nenguva: Nguva yokunyora mitero inowanzova April 15. Kana usingagoni kunyora panguva, faira Mafomu 4868 nokuda kwewedzero inongoerekana iripo yemwedzi mitanhatu. Wedzero dzinokupa nguva yokunyora nyora, asi kwete kubhadhara mutero upi noupi.

Mitero yakawanda inoshandisa vagadziri vemitero vane unyanzvi kana kuti purogiramu yemitero inoremekedzwa kuderedza zvikanganiso. IRS inopawo Faira yeFree nokuda kwavanhu vakakodzera vane AGI ye $79 000 kana kuti pasi.

Kuchinja Kwemisi Ichangobva Kupfuura Kure Kurevererwa Kwemitero (2024 uye Kupfuura)

Mitemo yemitero inochinja kazhinji kazhinji, naizvozvo kuramba uchiziviswa kunokosha.Hezvino zvinochinja zvinokosha zvemisi ichangobva kupfuura iyi:

  • Gadziriro dzekukwira kwemitengo: Nhamba dzezvitsama zvezvitsama zvetsika, zvikwara zvemitero, uye miganhu yakawanda yezvitsaru (sezvinetso, muganhu weSaLT, IRA) zvinogadziridzwa gore negore nokuda kwokukwira kwemitengo. Nzvera chinyorwa cheIRS nokuda kwegore razvino.
  • Kubviswa kweyamuro nokuda kwezvisingatengwi zvakapera: Urongwa hunobvumira kusvika $300 ($600 nokuda kwemipiro yemipiro yemari) mumipiro yemipiro yemari nokuda kwaavo vanotora mari inotsaurirwa yakapera pashure pa 2021. Haina kuvandudzwazve sangosvika 2024.
  • Kuderera kwendyiko yemari yebasa: Muganhu we $250 wavadzidzisi wakakwidzwa kusvika ku $300 nokuda kwa2023 na 2024 (wakaiswa nokuda kwokukwira kwemitengo).
  • [ Mubereko webhizimisi unoderedzwa: Pasi peChikamu 163(j), chitsauso chemubereko webhizimisi chakaganhurirwa kusvikira ku 30% yemari inotambira mutero wakagadziridzwa, pamwe chete nemimwe misha yemabhizimisi miduku.

Nokuda kwamashoko azvino uno, vhura website yeIRS kana kuti muteresi unovimbwa. HOWA RAMAKURUKO[[FLT: 1] manyuko akavimbika nokuda kwezviziviso zvehurumende nechinjo dzomutemo wemitero.

Zvikanganiso Zvinozivikanwa Navose Zvokudzivisa Pakutaura Kuti Dzinonyengedzwa

Kunyange vateresi vanongwarira vanogona kuita zvikanganiso zvinovadyira mari kana kuti kunyandura kunzvera IRS.

  • Kutarira zvitsama zvinobviswa: Vabhadhari vazhinji vanopotsa mari dzinobviswa dzakadai somutero wemari yokutengesa wehurumende (kana uchigara mumugariro usina mutero wemari), dzorera mhindu dzinotsaurwa (iyo inowedzera hwaro hwendyiko yako, kwete mutengo pase, asi inotapura mhindu yemari yapamutemo), uye bhajeti yemari yemari (HSA).
  • Kuisa ndyiko dzomunhu oga nedzebhizimisi: kutaura ndyiko dzomunhu oga semari inobviswa yebhizimisi ishava. Ndyiko bedzi dzine chokuita zvakananga nebhizimisi rako hadzibhadharwi. Chengeta maakaundi ebhangi akaparadzana nemakadhi echikwereti ebhizimisi.
  • Kuda kuchengeta marekodhi akarurama: Pasina marisiti, matanda emaira, kana kuti zvitatisiti zvebhangi, IRS ingarega kuderedza mari yako kana yakaongororwa. Shandisa app yemichina kana kuti shopu yakapfava kuronda ndyiko mugore rose.
  • Nhamba dzakarurama ganhuriro: Nhamba zhinji dzezvitsama dzine chikamu cheAGI chezvitsama zvepachikamu (sumo, ndyiko dzezvokurapa dzinopfuura 7.5% ye AGI) kana kuti makepisi e $106 (jere., SALT ye $10).
  • Kuderedza hofisi yepamusha nenzira isina kururama:[[FL:1] Hofisi yepamusha inofanira kushandiswa chose chose uye nguva dzose nokuda kwebhizimisi. Kushandiswa kwemakemikari (imo, tafura yako yokudyira inoshandiswa sechikamu chedhesiki) haikwanirisi.

mhedziso

Kunzwisisa mitero inokosha pakutarisira mari yako zvakanaka uye kuiwedzera pakubhadhara mutero. Kana ukasarudza kuderedza mari yako kana kuti kuronga, kuudzwa uye kurongeka kuchakubatsira kuti ukwanise kuronga nguva yemitero nechivimbo.