Kunzwisisa Mutero Wokuzvitarisira

Semushandiri akasununguka, iwe uri mose muri vaviri mushandirwi nomushandi. Iri basa rinoreva kuti une mutoro wokubhadhara mutero weSangano reSocial Security neMedicare. Kusafanana nomushandi wegamuchidzanwa, anokamura mitero iyi newaanoshandira, iwe umene unofukidza chitsama chose. Mwero wemitero wazvino uno uno unotambira mutero i 15,3% pamari yako inotambira, yakaumbwa na12,4% nokuda kweSangano reSocial Security uye 2.9% yeMedicareas. Zvisinei, chikamu cheSangano reSocial Security chinobatira bedzi mari yegore rimwe chete kukwira kumuganhu wakati we $168,600 muna 2024). Mari ipi neipi iri pamusoro pechikumbano ichiri pamusoro pechino chechitsaro cha 2,9%, muterovo, uye kana kuti mbure wako unopfuura $200,000 000 000 000 yemari yakawananiswa nemari yakaroora, 09.

Kuronga mutero webasa rako umene kunotanga nemhindu yako yemambure kubva kuShedynal C. Unowedzera 92.35% yemari inotambirwa ne15. Somuenzaniso, kana ukaita $60 000 mumhindu yemambure, mutero wako umene wokushanda uri $55,410 ($60 000 × 0.935), zvichitungamirira kumutero we $8478. Uyu mutero unoshumwa pamusoro pePitmendi Sem uye uri mukuwedzera kumutero wako wenguva dzose. Mutero wemari inobhadharwa wemubhadharo wemushandi webasa (95) unogona kugadziriswa semari inobhadharwa pa1040 000, kuderedza mari yako yose. Kunzwisisa uyu mutero unoshatsa nemhaka yokuti unokwezverwa nemari yako.

Vaifungidzirwa Kubhadharwa Mutero: Kuramba Vachimirira

Sezvo mitero isinganyimiwi pamutero wako wehwusingabhadharwi, IRS inoda kuti ubhadhare mitero inofungidzirwa kuva mitero. Iyi gadziriro inodzivisa kubhadharwa kwakaderera kwemitero uye inovimbisa kuti hauna kutarisana nechitsama chikuru chemari inobhadharwa muna April. Misi inowanzova April 15, September 15, uye 15 January wegore rinotevera. Kana ukarasikirwa nomutero wako webasa rako chairo nemutero wemari yaunotambira. Shandisa [FL: 0] PIRS FIRS 10-S shongY] kuti uverengere mutero wako unofungidzirwa. Misi inguva dzose dzinotengwa naApril 15, September 15, uye 15 yegore rinotevera. Kana ukarasikirwa nenguva, chirango chingashanda, kunyange kana uchibhadhara chitsamamari yakazara gare gare gare.

Kusarudza kuti mari yemarii yokubhadhara, fungidzira hwerengedzo yemari yemambure yaunokarira nokuda kwegore uye kubvisa zvitsama zvinokarirwa. Shandisa zvikwaniriso zvemitero zvakafanira nemitero yokushanda. Mutemo wechiteshi chengarava wakakotsekana unogona kurerutsa uyu: kana ukabhadhara inenge 100% yomutero wawakakwereta gore rakapfuura (100,000% kana mari yako yakagadziridzwa yakanga yapfuura $150 000), uchadzivisa kubhadhara mari yakaderera kunyange kana mari yaunobhadhara gore iripo yakakwirira. Vasununguri vazhinji vanoshandisa mutoo wechiteshi wakakotera wakakotseka [[[FLT:]] gore rakapfuura kuvimbisa kuva akarurama. Rangarira kushandisa purogiramu inofungidzirwa kuva mitero yemotokari kana kuti kunzvera kuronga kubhadhara purogiramu yako inovimbwa. Nguva dzose IRFF.IRF.GROGOLS)

Kusimbisa Kuda Kwako Kubhadhara Mutero

Imwe yebetsero hurusa dzekusunungura imano okuderedza ndyiko dzebhizimisi dzapamutemo, kuderedza mari yako inobhadharwa. Zvisinei, IRS inoda zvitsauko zvinoda kutsaurirwa kuva zvenguva dzose uye zviri madikanwa nokuda kwebasa rako. Pasi apa mapoka makuru okunzvera.

Kugadzirwa Kwehofisi Yepamusha

Kana ukagara uchishandisa rutivi rwemusha wako nokuda kwebhizimisi, senzvimbo yako huru yebhizimisi kana kuti nzvimbo yokusangana navatengi, ungakwanirisa. Shandisa mutoo wokuwedzera [ [$5 patsoka dzakaenzana kumativi mana, kukwirira mamita 300 akaenzana kumativi mana) kana kuti mutoo wenguva dzose (kugovera ndyiko chaidzoidzo dzakadai sefariro yechikwereti chemba, chesimbi, chezviwirira zvemari, uye gadziridza). Nzwisisa: nzvimbo inofanira kushandiswa bedzi sehofisi inokwaniriswa, asi tafura yokudyira inoshandiswa nokuda kwebasa isati iri nzvimbo yakatsaurirwa. Rambai uye nyora.

Zvinhu Zvatinoshandisa Nezvipo

Makombiyuta, mapurogiramu, makamera, michina yemasmor, hofisi, uye zvimwe zvinhu zvinooneka zvinogona kubviswa. Pasi pe Kuwedzera 179, ungakurumidza kurasikirwa kusvika $1,2020 000 (kachikamu) kenhu kakakodzera mugore raunoiisa mubasa. Kana, unogona kushandisa deti redenderedzwa remarikendi kana kuti retsika paupenyu hunokosha.

Kufamba uye Zvokudya

Mabhizimisi anoenda kure nemusha wako wemitero . zvakadai sokutyaira kuenda kunzvimbo inotengeserwa vatengi kana kuti kupinda musangano(inogona kuwanikwa pamari inokwana maira imwe (65 ° padaro remaira) kana kuti ndyiko chaidzoidzo dzemotokari. Kutora uye 50% yezvokudya zvebhizimisi zvinotsakatikawo. Chengeta giragi yemaira nemari inobhadharwa. IRS inonzvera zvitsauko zvokufamba, naizvozvo nyora donzo rerwendo rumwe norumwe.

Mazano Nedzidzo

Mitengo yepamutemo, purogiramu yemaakaundi, kugamuchirwa kwenzvimbo dzepawebsite, kushambadzira, uye kuva nhengo zvemasangano enyanzvi hazvibhadhariswi. Ndyiko dzedzidzo dzinochengeta kana kuti kuvandudza unyanzvi hunodiwa mubhizimisi rako razvino uno hadzibviri, asi mari yokukwanirisa nokuda kwebasa idzva haisati. Somuenzaniso, munyori akasununguka anogona kubvisa mari yetsika yokunyora, asi kwete maruramiro edhigirii remitemo.

Mishonga Yeinishuwarenzi Youtano

Kana uchishanda woga uye usati uchifanirwa nokuda kwegadziriro yavashandirwi, unogona kubvisa mari dzinoshandiswa nokuda kwokurapa, mazino, uye kukwaniriswa kwenhambo refu yokutarisira nokuda kwako umene, mukwanyina wako, uye vabatiri. Uku kubviswa kunorangarirwa segadziridzo kumari (mutsetse 17 paFm 1040), kuderedza AGI yako.

Chinyorwa Chokuchengeta Miitiro Yakanakisisa

Zvinyorwa zvakarurama ndizvo zvinodzivirira panhau yokuongorora uye zvinhu zvako zvinokosha zvikuru pakuwedzera mari yaunoshandisa.IRS inorumbidza kuchengeta mapepa kweanenge makore matatu kubva pamusi waunozodzoka, kana kuti kupfuura ipapo.

  • Kunyora kaundi yebhangi nekadhi rechikwereti: Shandisa kaundi yokunzvera bhizimisi nekadhi rechikwereti nokuda kwemari yose inobhadharwa nendyiko. Ikoku kunoronga ndokubvumikisa kuti mari yomunhu oga neyebhizimisi haina kuvhengana.
  • Marititi eDigitari nezvinyorwa: Scan kana kuti pikicha risiti iri yose. Shandisa maapus sependifitis, Quick Yooktions Zewero-Employed, kana kuti Respel Books kuronga ndyiko dzimene. Nokuda kwendyiko, logage uchishandisa vacheki veGPS.
  • Kuisa mubatanidzwa wemaakaundi: Vamba chati yemaakaundi inowirirana nemapoka eC (sumo, kuzivisa, ndyiko dzehofisi, migove). Dzokorora mapoka ako pamwero wezvitsauko zvikamu zviduku kuti udzivise zvitsama zvisipo.
  • Zvibvumirano zveRetain nezvitatiso zvebhangi: Chengeta makopi ezvibvumirano zvevatengi, zvibvumikiso zvokuripira (payPal, crime invoisi), uye zvimiro zvegore negore 1099-NEC. Izvi zvinotsigira mari nendyiko.

Rangarira kushandisa zvigadzikiso zvokuchengeta makore zvakadai seGoogle Dreev kana kuti bhokisi rePresbox ine zvivako zvebhukwana zvinosarudzwa pagore remitero. Kuchengeta marekodhi akanaka mugore rose kunoderedza kutsiga kwezvisaririra nezvikanganiso zvokupedzisira.

Kusarudza Chivako Chebhizimisi

Varidzi vazhinjisa vanotanga savatarisiri bedzi, asi gadziriro yako yebhizimisi inotapura mutoro nokubudirira kwomutero.Hedzino zvisarudzo zvinozivikanwa navose.

Kuzvinyengera

Uku ndiko kusadzoreka kana ukashanda woga uye usingabatanidzi nenzira yakarongwa. Kunopa kupfava: Unoshuma mari nendyiko paShedynal C ndokubhadhara mutero webasa pamhindu yose yemimbure. Zvisinei, hapana dziviriro inodzivirira. (Zvinhu zvako zvomunhu oga zvinoiswa mungozi kana mutengi akakwidzwa. Akakodzera nokuda kwamabasa akaderera semanyorerwo kana kuti mapurani.

Kambani Yemarimi Yakaganhurirwa (LLC)

RILC inogovera dziviriro inoparira njodzi nepo ichibvumira kupfuudza mutero wemari inobhadharwa nekambani. Unogona kuva mutezo mumwe weLLC unobhadharwa sechikamu bedzi, kana kuti unogona kusarudzwa kuti ubhadharwe sesangano reS. Betsero huru yomutero weLLC kudzivirira zvinhu zvomunhu oga kubva muchikwereti chebhizimisi. Kubatanidza zvibvumirano nemitengo yemari yemari yehurumende kunowedzera basa rokutarisira.

Kusarudzwa Kwesangano

Kana mari yaunotambira rutava yakakwirira (zvikurukuru kupfuura $600,000-$80 000), kusarudza mugariro wesangano reS kunogona kuderedza mutero webasa rokuzvishandira. SechiS corp, unozviripira umene “mubhadharo une mufungo” unopiwa mitero inodzorwa, uye mhindu dzasara dzinoparadzirwa semibayiro, iyo isingapiwi mutero wokuzvishandira umene. Ikoku kunogona kuchengetedza zviuru zvemari inotakurwa nokubhadharwa kwemitero yegore negore.

Cherechedza mari yaunowana, kuva panjodzi, uye zvinangwa zvenguva refu.

Kubhadharisa Mutero Wako Wegore Negore

Semutengi, kudzoka kwako kwomubatanidzwa kunobatanidza Mavambo 1040, Shederma C (Profit kana kuti Kurasikirwa Nebhizimisi), uye Shedynal SE (Mutero Wokuzvidzora). Unofanira kushuma mari yose pasinei zvapo nokuti unogamuchira 1099-NEC. Kunyange kana mutengi achibhadhara mari iri pasi pe $600, unodikanwa kuishuma.

  • [ C: Mudza mariyiti dzenyu dzakakura (maripo yose inoshandiswa) kubvisa ndyiko dzako dzebhizimisi kusvika pamibereko yemambure kana kuti kurasikirwa. Kana une mabhizimisi akawanda akasiana, nyorai Purogiramu C yakaparadzana.
  • [[Nto:0] SE: Kuverenga mutero webasa rokuzvirongera woga wakavakirwa pamhindu yemambure kubva kuProgram C. Unogona kubvisa hafu yomutero weSE paFomu 1040 (mutsetse 17).
  • zvimiro zvokuwedzera: Kana une vashandi (kunyange iwe umene seS corp), uchada zvimiro zvokubhadharwa (941, 940). Kana ukabhadhara vagadziri vanopfuura $600, unofanira kubudisa Chikamu 1099-NEC kwavari. Dzoreso dzehurumende dzingadikanwawo.

Faira urongwa hwemitero pakombiyuta huchishandisa kombiyuta hwakagadzirirwa vanhu vanoshanda mabasa avo vamene (TurboTax Self-Employd, H&R Block Premium, etc.). Gadza chiyeuchidzo chokuunganidza ma1099 panosvika kupera kwaJanuary. Kana ukapotsa nguva yaApril, faira projekiti ya 4868 nokuda kwokuwedzera kunozviitikira kwemwedzi mitanhatu, asi cherekedza kuti kukudza kunzvimbo yefaira hakureshiri nguva yokubhadhara nokuripira mitero ipi neipi inoda kutozozozosvika April 15 kuti udzivise kubhadhara mitero.

Inishuwarenzi Youtano Nokuchengetedzwa Kwebasa

Vanhu vanoshanda vari voga vanofanira kuchengetedza mari yavo pachavo yeutano uye zvirongwa zvokurega basa.

Kugadzirwa Kweinishuwarenzi Youtano

Sezvadudzwa pakuvamba, unogona kubvisa mari yaunobhadhara iwe umene, mukwanyina wako, uye vanotsamira pako kana usina kukwaniriswa nokuda kwomushandirwi anobhadharwa. Uku kuderedza mari yako yakagadziridzwa. Unofanira kuva nemhindu yemambure kubva kumabasa aunozvida; haigoni kupfuura purofiti yako. Kana une gadziriro youtano yakakwirira, ungapawo mari kuMarest Aults Authtiventi (HSA), iyo inogovera mitero mitatu inogoverwa nemitero, kukura kwapachena, uye kubviswa kwemitero nokuda kwendyiko dzinokodzerwa kurapwa.

Gadziriro Dzokurega Basa Nokuda Kwavakasununguka

Pasina mushandirwi 401(k), unofanira kuzvichengetera mari yako pachako yokurega basa.

  • IRA: Inobvumira mipiro inosvika 25% yemari yaunowana pachako yemambure ako (kana kuti 20% yemhindu yemambure), yakatsaurirwa pa $69 000 nokuda kwa2024. Mipiro inogoverwa mutero, uye gadziriro iri nyore kugadza namapepa mashoma.
  • SOLO 401(k): Yakagadzirirwa vanhu vanoshanda vamene vasina vashandi (mumwe kunze kwomukwanyina). Unogona kupira mari ye $3 000 (Z $166) pamwe chete ne25% yemari yemambure somushandirwi, hwerengedzo ye $66 000 (kana $76,500) kana kuti zera re50+. Solo 401(k) vanobvumira mipiro yeRTP) uye zvikwereti zvinobvira. Vanoda kutarisirwa kupfuuta kupfuura SEP IRAS asi vanopa mipiro yakakwirira.

Sarudza purani inowirirana newaunowana uye zvinangwa zvokukura. Vanguard, Fideldity, naSkwab vanopa zvisarudzo zvemari shoma. Tanga kuisa mari pakuvamba kuti uwane mari yakawanda.

Mitoro yeHurumende Neyomutero Womunzvimbomo

Varidzi vemabhakitiriya vanofanirawo kushandisa mitero yehurumende uye yemunyika yavo, iyo inosiyana - siyana.

  • Mutero wemari weruwa: Nyika zhinjisa dzinoisa mutero wemari inowanwa (kutoti Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington, uye Wyoming). Kana uchigara kana kuti kuita mabasa munyika dzakawanda, ungava nemisengwa yemitero yemitero muimwe neimwe. Iyi inozivikanwa navose nokuda kwavatengi vehurumende vari kure vanoshanda munyika yose.
  • Mutero: Kana ukatengesa zvinhu zvinogadzirwa kana kuti mabasa akati emichina, ungada kuunganidza ndokudzosera mutero wokutengesa kuhurumende uko mutengi anogara. Hurumende imwe neimwe ine zvikumbaridzo zvayo (nexus yemari). Somuenzaniso, nyika zhinji dzinoda kunyoreswa kana kuti kuva ne 200 000 000 yemitengo muhurumende iyoyo. Mitemo yakafanana nokugadzirira mutero kana kuti kubvunza inowanzohesvererwa, asi nzvera mitemo yehurumende yako.
  • marezenisi ebhizimisi nemvumo: Maguta mazhinji nenhamba dzinoda rezinesi rebhizimisi ravose, rezinesi renyanzvi, kana kuti basa rapamusha rinobvumirwa. Ndyiko dzinowanzova duku asi kukundikana kunyoresa kunogona kutungamirira kufadzo. Nzvera website yehoro yeguta romunzvimbomo.

Shandisa zviwanikwa zvakafanana ne chinotungamirira bhizimisi neBato rehurumende yako reWebsite yeRevenue kuti utungamirirwe. Rangarira kushandisa basa rakadai seAvalara nokuda kwokushandisa mari yomutero kana ukatengesa mumitsetse yenyika.

Kudzivisa Zvikanganiso Zvinozivikanwa Nevakawanda uye Kuwedzera Kwemigumisiro

Kazhinji vanhu vanongogara vachikanganisa zvinoda kuti vaongorore IRS kana kuti vasiye mari patafura.

  • [ Kuisa vashandi muruvaki rwakazvimirira: Kushambadza kunogona kutungamirira kuzvirango zvinodhura. Sebenzisa IRS Form SS 8 kana kuti kuedza kwa20 yefashoni kuvimbisa kuti vashandi vako vakasununguka zvirokwazvo.
  • Kuda kubhadhara mitero inofungidzirwa: Kunyange kana usina chikwereti, kuripira mitero inofungidzirwa kunogona kuparira nhau dzokufamba kwemari. Cheka 25/30% yemari imwe neimwe muakaundi yemari yakaparadzana.
  • Usaronda chikamu chemari yebhizimisi: nokuda kwezvinhu zvakafanana nemotokari inoshandiswa pachako uye nokuda kwebhizimisi, unofanira kugovera ndyiko dzakavakirwa pamamita. Chengeta log yapanguva imwe cheteyo.
  • Kuderedza mari inobviswa nokuda kwezvokudya kana kuti varaidzo: 50% bedzi yezvokudya zvebhizimisi inoshaikwa; varaidzo (matikiti echitima, goverfu) haisati ichiwanzova inowanwa pashure pokuchinja mutero wa2017.
  • Kuisa mudungwe shoo C nerasikirwo: Kana ukaratidza kurasikirwa kwamakore akawanda, IRS ingarongazve mubato wako sebasa rokuzvifadza, kubvisa mari. Iva nechokwadi kuti unoshanda nevavariro yemhindu uye unyore rongedzero yako yebhizimisi.

Kunzvera kunowanzobatanidza mari yakanyanyowanda yehofisi yapamusha ine chokuita nemari, mipiro yorupo yakawanda, uye nhamba yenhamba dzakatenderera. Chengeta kuderera kwechitsaru chiri chose chakataurwa.

Nguva Yokuramba Nyanzvi Yemitero

Nepo vabhadhari vakawanda vachitarisira mitero ivo pachavo vachishandisa mapurogiramu ekombiyuta, kupinza basa muAuthoricial Accounting (CPA) kana kuti Mumiririri Akarongedzwa (EA) anogona kuzvibhadharira amene.

  • Mari yako yakaoma kubudisa zvinhu zvakadai semasangano ehurumende, makambani epasi pose, kana kuti masangano ebhizimisi akawanda.
  • Une vashandi kana kuti uri kurangarira sarudzo yeS corp.
  • Unoongororwa kana kuti unogamuchira chiziviso cheIRS.
  • Unoda kuita zvose zvaunogona kuti uite pamutero, kwete kungobvuma.
  • Hausati uchiwana nguva kana kuti chivimbo chokutarisira zvikamu zvina zvezvikamu zvina zvemari nezvinenge zvabviswa.

Mutero unogona kukubatsira kufamba munzvimbo dzachena, kuronga nokuda kwomudyandigere, uye kuva nechokwadi chokuti utore mari inokwenetswa iri yose. Tsvaka nyanzvi dzine ruzivo rwokuzviwanira mumutero unoitwa nemabasa adzo. raibhurari yeIS inogona kubetsera kuwana vanyoresi.

mhedziso

Kushandisa mari inodzorwa kunogovera rusununguko rukuru, asi kunoda chirango kana toreva nezvemitero. Nokunzwisisa mutero webasa rako umene, kubhadhara mitero inofungidzirwa kuva yezvikamu zvitatu, kuchengeta zvinyorwa zvokungwarira, uye mari inodzorwa, unogona kuchengeta mari yako yakawanda yawakaronzeswa. Kusarudza gadziriro yebhizimisi yakarurama, kuronga nokuda kwomudyandigere, uye kuteerera mitemo yomunzvimbomo kunosimbisazve nheyo yako yemari. Chinokosha ndechokuti urambe uchipfuurira kubatira pamutemo kusvikira April amirira kufunga pamusoro pemitero. Shandisa maturusi namazano zvakarongwa akarongwa munyaya ino, uye rangarira kubvunza nyanzvi yemitero inokwaniriswa nokuda kwezano romunhu oga. Negadziriro yakanaka, mitero yako inova inodzorwa zvikuru, inobvumira kusimbisa pakukura kwako basa rako rebasa rapachena.