Kuisa nzvimbo yemitero somugari wemo anozvishandira amene kunoda ndangariro yakasiana chose chose kupfuura iyo yomushandi wegamuchidzanwa W - 2. Rusununguko rwokuva bhasi wako umene runouya nechinjo huru mumutoro wemari: zvino uri zvose zviri zviviri mushandirwi nomushandiri apo kunouya kumitero yomutero. Kunzwisisa iyi mitoro hakungori pamusoro pokubvuma bedzi; kuri pamusoro pokuita kuti utano hwako hwemari huve nohurerutsiro, uye kudzivisa zvirango zvinodhura. Iyi nhungamiro inoputsa nzvimbo yose inotambudza yemitero yemitero yebasa, kubva pakurovhara mitero kusvikira kukurongedzero yezvikoro, naizvozvo unogona kunyora nokuvimba ndokuchengeta zvakawanda zvaunowana.

Kuzvireverera Pazvinangwa Zvemitero

Usati wapinda munhamba, kunokosha kunzwisisa chaizvoizvo kuti ndiani uyo weInternal Revenue Service anorangarira kuva anobhadharwa. Mukuwirirana neIRS, unoshanda umene kana ukaita basa kana ukaita basa seririmwe bedzi, mushandisi akazvimirira, mushandiri anozvishandira, mutezo webatira pamwe, kana kuti somutezo wekambani yemitero yakaganhurirwa isina kusarudzwa kubhadharwa sesangano. Iyi rondedzero yakafara inofukidza varimi vakasununguka, vashandi, vapi vemirayiridzo, uye varidzi vebhizimisi duku. Musiyano mukuru ndewo kuti hausati uri mushandi; hapana anorega mitero pamutero wako, uye une mutoro nokuda kwomutoro wakazara weSocial Security neMedicare.

Mitoro Yemitero Nokuda Kwavanozvitarisira

Kusafanana navashandi vanokamura mutengo wemitero yokubhadharira nomushandirwi wavo, vanhu vanoshandira vamene vari mudanho nokuda kwavaregeredzi vose vari vaviri. Ikoku kunoparira misengwa miviri mikuru yemitero: mitero yokuzvirovha umene nomutero wemari inotambirwa. Kuwedzera, nemhaka yokuti mitero haifaniri kunyimwa, unofanira kubhadharwa pamwero mukurusa. Kuputsa musengwa mumwe nomumwe.

Mutero Wokuzvitsigira (Kuchengeteka Kwehurumende Nekuzvitonga)

Mutero wokuzvishandira zvimwe ndiyo inonyanya kushamisa kumari itsva dzinobhadharwa nevashandi.

  • 12.4% yeNdendero yenzanga — Ikoku kunoshanda kumambure anotambira mari kusvikira panzvimbo yegore negore yeSocial Security ($160 200 nokuda kwa2023, yakagadziridzwa gore negore).
  • 2.9% yeMedicare[[FL:1] — Ikoku kunoshanda kumari yose inotambirwa isina kepisi.

Kuwedzera .9% Medicare surbaxis inoshanda pamubhadharo webasa rako umene unopfuura $200,000 ($250 000 nokuda kwemibatanidzwa yeroorano). Kumwe kuchengetedza nyasha: unogona kubvisa hafu yemitero yako yebasa rako umene (mushandirwi anobhadharwa) sechinjo kumari yaunowana paForm 1040, iyo inoderedza mari yako yakagadziridzwa asi isingaderedzei mutero wokuzvishandira umene.

Mari inotambira mambure inoverengwa nokubvisa ndyiko dzebhizimisi dzawose nedziri madikanwa pamubhadharo wako mukuru. Somuenzaniso, kana wakawana $80 000 mumari yepachena asi une $20 000 mundyiko dzinotsakatika, mari yako yemambure inodzorwa pamutero wokuzvishandira iri $60 000.

Kufungidzira Kubhadharwa Kwemitero Panhambo Nenhambo

Sezvo pasina mushandirwi anonyima mutero wemari inotambirwa kana kuti mutero webasa rokuzvishandira, IRS inoda kuti ubhadhare mitero inofungidzirwa mugore rose. Iyi inofanira kubhadharwa kana gore negore:

  • Mari yakawanikwa January 1 – March 31:
  • Mari yakawanikwa [[Ntomba: 0] April 1 – May 31:
  • Mari yakawanikwa [[Ntomba: 0] Juni 1 – August 31:
  • Mari yakawanikwa [[Ntomba: 0] 1 – December 31:

Kuti udzivise zvirango, unofanira kubhadhara inenge 90% yechikwereti chegore raunotarira kana kuti 100% chechikwereti chegore rakatangira (110% kana mari yako yakagadziridzwa yakanga inopfuura $150 000). Shandisa Form 1040-SS kuti uverenge nokubhadhara. Nzira iri nyore zvikurusa ndeyokubhadhara paIRS jictive Pace system kana kuti ElectronictureFrecial tration Sy.

Mutero Wemari

Mukuwedzera kumutero wokuzvishandira, une mutero wemari inotambirwa nehurumende pamhindu yako yomumbure. Chikwangwara chako chomutero chinotsamira pamari yako yose inobhadharwa pamutero (kubatanidza mamwe manyuko). Mutero wemari yehurumende ungashandawo. Vanhu vanoshanda vamene vanoisa mari yavo nendyiko pa C (Fm 1040), iyo yakabatanidzwa nokudzosera mutero wavo. Mutero wemambure unobva kuPromegion C unosvika kuProm Krim Krim 1040 uye unotambira pamutero wako.

Kuderedza Ndyiko Dzebhizimisi

Imwe yebetsero hurusa dzebasa rokuzvishandira mano okubvisa ndyiko dzebhizimisiwo zvadzo nedzinodikanwa. Iyi mitengo inoderedza mari yako yemambure, nokudaro ichideredza zvose zviri zviviri mutero wemari yako yaunotambira nerokuzvishandira. Hezvino mapoka anotapura zvikurusa kutevera.

Kugadzirwa Kwehofisi Yepamusha

Kana ukagara uchishandisa imwe imba yako nokuda kwebasa rako kana kuti bhizimisi, ungakwanisa kubhadhara hofisi yepamusha. Unogona kushandisa mutoo wakaoma ($5 patsoka nhii netsoka, mamita ane zvikweri 1,500), ikoshi ye $1 500) kana kuti mutoo wenguva dzose (uchitsamira pandyiko chaidzoidzo semubereko yechikwereti chemba, rendi, midziyo inobhadharwa, uye inishuwarenzi, inogoverwa nenzvimbo dzakaenzana kumativi mana). Ngwarira: Chikamu chinofanira kuva nzvimbo yako huru yebhizimisi uye kushandirwa nokuda kwebasa — hachishandiswi zvako.

Mari Yokufamba Nedzimwe Nyika

Unogona kubvisa ndyiko dzebhizimisi dzinobatanidzwa nemari inoshandiswa zvimwe ne $1,5 pamaira 100 pa2023 (idzi, kugadziridza, inishuwarenzi). Ndyiko dzenzendo dzebhizimisi (pepor, pokugara, zvokudya — kazhinji kazhinji 50% inosashaikwa) inoshaikwawo. Chengeta giramu yemaira kuti ive inopesana.

Zvinhu Zvatinoshandisa Nezvipo

Makombiyuta, purogiramu, fanicha yomuhofisi, vadhindi, uye migove hazvishandiswi zvizere. MuChikamu 179, unogona kubvisa mutengo wakazara wemidziyo inokwaniriswa mugore raunoiisa mubasa, kusvikira kumuganhu we $1 160 000 nokuda kwa2023).

Mishonga Yeinishuwarenzi Youtano

Vanhu vanoshanda vamene vanogona kubvisa mari yeinishuwarenzi youtano (kubatanidza kutarisirwa kwemazino nenhambo refu) nokuda kwavo vamene, vakwanyina vavo, uye vanotsamira pamunhu. Uku kubviswa kunorangarirwa sechinjo kumari inowanwa (mutsetse 17 weSameya 1), kureva kuti inoderedza mari yako yakagadziridzwa pasina kuisa zvinhu. Zvisinei, haugoni kuderedza mari kana uchifanirwa nourongwa hwemushandirwi webasa napabuti.

Mipiro Yokurega Basa

Mipiro kuSEP IRA, Solo 401(k), kana kuti SIMPLE IRA haichashandi uye inogona kuderedza zvikuru mari yako inobhadharwa mutero. Somuenzaniso, muna 2023 unogona kupira 25% yemari yemambure ako yokuzvishandira kumari inotambirwa neSEP IRA, yakatarwa pa $66 000. Solo 401(k) inobvumira kunyange mipiro yakakwirira zvikuru kana uri pasi pe 50: mushandi anobhadharwa $62,500) pamwe nomushandirwi (kukwira 25% yomuripo), hwerengedzo kusvika ku $666 000.

Mazano Nedzidzo

Munogonawo kubvisa dzidzo inopfuurira, kosi dzepaIndaneti, mabhuku, uye kunyoresa kunoramba kuchiita kana kuti kuvandudza unyanzvi hunodiwa mubhizimisi renyu razvino uno.

Kunyora Nokutsigira

IRS haidi gadziriro chaiyo yokuchengeta zvinyorwa, asi unofanira kuva nezvinyorwa zvakakwana kuti utsigire mari yako nemari yaunotambira. Pakunzvera, mutoro wechiratidzo uri pauri. Heyi miitiro yakanakisisa:

  • Chengeta maakaundi ako ebhangi akasiyana uye makadhi okutenga nechikwereti ebhizimisi rako.
  • Chengeta mari dzinoripirwa nokuda kwendyiko dzose dzebhizimisi, kunyange duku.
  • Shandisa purogiramu yeakaunzi (Foock Books, Fresh Books, Xero) kana kuti shopu inotapurwa kuti utsvake mari uye ndyiko mwedzi nomwedzi.
  • Mamita okunyora nebhuku remichina kana kuti app yokufamba nemakiromita.
  • Chengeta makopi ezvirongwa amarisiti ose, mainvoice, uye zvibvumirano.
  • Ratidzira mabhuku ako parutivi usati wanyora mitero inofungidzirwa.

Kusarudza Chivako Chebhizimisi

Nepo mabhadhari akawanda achitanga semaparera bedzi, kuumba sangano rapamutemo rakaita sesangano reS, LLC, kana kuti C sangano rinogona kuva nerevo huru dzemitero. kambani yemutero (LLC) inopa dziviriro yomunhu oga asi haisati ichichinja chirongwa chemitero yako yomutero unobhadhara mutero unotsamira pauri asi inosara semitero inopukunyuka mitero yako umene. Iyi inogona kuponesa zviuru zvemari asi inobatanidza mutengo wokuwedzera. CPAS inoita chisarudzo kurangarira kuchengetedzwa.

Marudzi Emitero Aunofanira Kuziva

Vanhu vanoshanda vari voga vanofanira kunyora zvinhu zvakasiyana - siyana.

  • [ Purasile C (Fum 1040)[[FLT: 1]: Begnifit kana kuti Kurasikirwa neBhizimisi — rinoshuma mari nendyiko.
  • [[[ITS. 0] Specule SE (Fum 1040): Umene - Udzori — inoverenga mutero unodikanwa.
  • [[FOL:0] FORm 1040-ES: Kufungidzira Mutero Wavanhu Vamwe navamwe — unoshandiswa kubhadhara zvikamu zvina.
  • [[ITSOGURE:0] FORM 1099-NEC[[FURU:1]: Kana ukagamuchira muripo we $600+ kubva kumutengi, vanofanira kukutumira fomu iri. Kunyange kana vasingaripi, unofanira kushuma mari yaunotambira.
  • [[FOLT:0] FORm 4562: kubhadharwa nokudzorwa — kana uchibvisa zvinhu.
  • FORm 8829: Ndyiko dzeBasitiriti Shando yoMusha Wako — kana uchishandisa mutoo wenguva dzose wehofisi yomusha.

Misungo Inowanzoshandiswa uye Nzira Yokuidzivisa Nayo

Hedzino nhau dzinowanzoratidzirwa neIRS uye nzira yokudzinzvenga nayo.

Kukundikana Kubhadhara Mitero Inofungidzirwa

Chinonyanya kuyeuchidza zuva rimwe nerimwe raunofanira kubhadhara uchitsamira pamubereko wawakaronga. Kana mari yaunowana ichichinja - chinja, unogona kuderedza mari yako yegore negore kuti uderedze chikamu chainodiwa.

Kubatanidza Mari Yevanhu Neyebhizimisi

Mari yokubhadharisa mari inoita chinyorwa chokuchengeta tsvina uye kusimudza mireza mitsvuku mukunzvera. Vharai kadhi rebhizimisi rinonzvera bhizimisi nechikwereti.

Kutarira Bhizimisi Rinokwaniriswa Rinowana (Dhipatimendi 199A)

Vanhu vazhinji vanozvishandira vanokwaniriswa nokuda kwetsauriro inosvika 20% yemari yavo yebhizimisi inokwaniriswa. Ikoku kunoverengwa pa FORM 895 [kana kuti 8995-A nokuda kwemigariro yakaoma zvikuru). Iro idisi remari yepasi perino yemari inogona kuderedza zvikuru mwero wako wemitero inoshanda.

Kusarerutsa Nyika Nemitero Yomunzvimbomo

Dzimwe nyika (sokufanana neTexas neFlorida) hadzina mutero wemari yadzinotambira, asi dzimwe (seCalifornia neNew York) dzine mwero yakakwirira.

Kufunga Nemitero Yomunyika

Mukuwedzera kumitero yehurumende, ungazviisa pasi pomutero wemari inotambirwa, webasa rehurumende (muzvironzeso zvishomanene), mutero weguta kana kuti wenyika, uye mitero yebhizimisi yakasiana----phasitiki. Kana ukashanda navatengi mumitezo yehurumende, ungavawo nemisengwa yemisengwa. Nzvera weBato renyika yako reReveces kana kuti bvunza nyanzvi yemitero kuti ugare uchiwirirana nemitengo yose.

Kuongorora Kudzoka Kwako

Kuderedza ngozi yokushandisa mari:

  • IRS inoenderana nemarudzi 1099.
  • Usatora zvitsama zvinodenha zvisina kubatanidzwa zvakajeka nebhizimisi (chih., mazororo anenge akaitwa senzendo dzebhizimisi).
  • Kana uine mari shoma yaunowana inopfuura 25%), nyora pasi makore anenge matatu (66.
  • Tsvaka munhu ane unyanzvi anonzi CPA kana kuti akanyoresa kuti aongorore kudzoka kwako kana bhizimisi rako rakaoma.

Kuronga Kurega Basa Kwavanhu Vanozvitarisira

Vagari vomumusha vanozvishandira vanowanzofuratira mari yawakachengeta nemhaka yemari inobhadharwa pamudyandigere. Zvisinei, betsero dzemitero dzakakura. Sezvadudzwa pakuvamba, mipiro ku SOLO 401 [K:1] kana SEPA [[[FLT]] IRA] iri kuderera uye inoderedza mutero wakaderera. Soloth 401] [k)[FLT:] inobvumira mitero pashure pekubvisa mitero mudyaro wapachena. Kunyange kuita mipiro miduku, inogona kuderedza mutero wako wazvino uno uno uno unobhadhara uye kuvaka pfuma. Rangarira IPRA nokuda kwemipiro 401.

Kushanda Nenyanzvi Yemitero

Nepo unogona kugadzirira mitero yako umene uchishandisa purogiramu yesoftware yakadai seTurboTax Une Zero kana kuti H&R Block, vanhu vazhinji vanozvishandira vanowana ukoshi hukuru mukurovha CPA iyo inoshanda mumitero miduku nemiripo yokuzvishandira. Nyanzvi inogona kukubetsera kuziva mari yawakarasikirwa nayo, kuronga bhizimisi rako nokuda kwokubudirira kwomutero, uye kukumirira muchinoitika chokubhadharwa. Mutengo womugadziri wemitero unovadziko yakashatiswa.

mhedziso

Kuziva mitero yokushanda woga hakudi hako kuzvisarudzira — ibasa guru. Nokunzwisisa misengwa yako nokuda kwomutero wokuzvishandira, kubhadhara mari panguva yakakodzera, kuronda ndyiko dzose dzinotsarukana, uye maakaundi okurega basa, unogona kuchinja mwaka wemutero kubva kumanyuko edzvinyiriro kuva mukana wokuronga mari yako. Gara wakarongwa, ramba ukadzidza, uye usazengurira kutsvaka nhungamiro. Nokuda kwezvimwe zvinhu zvapamutemo, nongedzera ku , .IROPIROVES UIS UIS URIS REFLT Center [[FLT: 1]], [FLT:], [FLT:] [FLT] [2] .[FLT]