Kunzwisisa Mitoro Yenyu Yemitero Yokushuma

Kuteerera mutero mutoro mukuru nokuda kwomunhu ari wose uye bhizimisi rinowana mari. Pamwoyo pouyu mutoro pane kushuma kwakarurama uye kwakakodzera kwemari yose kuzviremera zvemitero, zvakadai seInternal Revenuenue Service (RS) muUnited States. Kukundikana kushuma zvakarurama mari inowanwa kunogona kutungamirira kuzvirango, mhindu, mitero, uye kunyange miuyo yapamutemo. Kana uri mushandi wenguva yakazara, mushandi akasununguka, mutengi, kana kuti muridzi webhizimisi, achiziva chaizvoizvo kuti marii inofanira kushumwa, kuti imarii inofanira kushuma sei, uye kuti zvitsaudzoi nechikwereti zvingashanda zvakakoshai zvinokosha nokuda kwokuchengeta mutoro wako womutero. Uyu mutungamiriri anonzwisisa achafamba kupfurikidza namativi ose okushuma mari, kubva mukuzivisa mari inopinzwa kuti usapinde mumitoro, unogona kusangana nemabasa ako.

Chii Chiri Kunzi Chiri Kuitika?

Mari inoshumwa igadziriro yokuzivisa mari yose nemhindu yemari kuchiremera chemitero mukati megore rakati. Ikoku kunobatanidza mari inogamuchirwa kubva kubasa, mabasa okuzvishandira, kuisa mari mumari, mibayiro, betsero dzehurumende, uye mamwe manyuko api naapi anobetsera kumari yako. Bumbiro remitero rinoda vateresi kushuma mari yakawandisa kubva kumanyuko ose kunze kwokunge yabviswa zvakananga nomutemo. IRS inotsamira pamishumo iyi kuti iverengere mutero wako, ione kuvadziko yechikwereti nezvinobhadharo, uye kutsigira kutendwa kwemitemo yemitero.

Kunzwisisa ukuru hwose hwemari inoshumwa inhano yokutanga kukutarisirwa kwomutero kwomutoro.Hakwakakwana kungoshuma bedzi mubhadharo wako mukuru() hova zhinji duku kana kuti dzisingawirirani nemari dzinobhadharwa dzinodzorwawo nemitero. Chinokosha ndechokuchengeta zvinyorwa zvakakwana ndokuziva zvimiro zvakasiana - siana uye manyorerwe amanyu omubhadharo anobva.

Unofanira Kushuma Mari

Pasi apa pane kuparara kwakakura kwemapoka anozivikanwa navose, kusanganisira kuchinjwa kwemitero kunowanzofuratirwa.

Mazai, Misika, uye Mazano

Iri iboka rakananga zvikurusa. Kana uri mushandiri, mushandirwi wako achapa W - 2 inoratidzira mari yako yose, mari, uye imwe muripo, pamwe chete nemitero zvanyimwa. Zvitsama zvose paW-2 zvinofanira kushumwa. Mazano, kunyange kana asina kunyorwa nomushandirwi, anofanira kushumwa kana asvika $20 kana kuti kupfuura mumwedzi. Vanhu vazhinji vanorangarira mari yemari iri “extra” kana kuti pasi petafura, asi IRS inoarangarira kuva mari inobhadharwa yose inobhadharwa mutero.

Kuzvishandira uye Kuzvipinza Mubhizimisi

Vazvimiriri, vagadziri vokuzvimirira, vagadziri vebhizimisi, uye vakwanyina vanofanira kushuma mari yose inobva mumabasa avo ebhizimisi. Ikoku kunobatanidza mari inogamuchirwa kupfurikidza neinvoice, 1099-NEC fomu, mari, shavo, kana kuti rimwe fomu ripi neripi. Kunyange kana ukagamuchira Mafomu 1099, une mutoro wokushuma yose mari, kwete chete inooneka pafomu. Manyuko anozivikanwa: kunyora, kubvunza, kufambisa, kubhadhadha, kutengesa kwapa paIndaneti, uye kutengesa kwakananga.

Vanhu vanozvishandira vanobhadharwawo mutero wokuzvishandira (Sacurity and Medicare) uye vanofanira kubhadhara mitero inofungidzirwa kuva yezvina kana chikwereti chemitero chichitarisirwa kupfuura $6 000.

3. Mari Yokutenga Mari

Mari inobatanidza mhindu inobva mumaakaundi ebhangi, mibayiro inobva mumasheya, uye mari inowanwa mukutengesa zvinhu zvakadai semasheya, majoni, kana kuti nzvimbo. Mufarwa netuso zvinoshumwa zvakakurumbira paFum 1099-INT ne1099-UNIV. Mhindu huru dzinoshumwa paFor 1099-B. Cherekedza kuti kunyange zvitsama zviduku zvemhindu (<$10) zvinofanira kushumwa. Kucherwa kwemitengo yemari parasika kuti itsive puro dzinonzinzirondwa(nzi igadziriro yapamutemo) asi inoda kushuma kwokungwarira.

Mari Inotambirwa Nemazino

Kana une nzvimbo yerendi, mari yose yerendi nemari ipi neipi inobva panzvimbo yacho (mutomo, mari yokupaka, kuwacha, kana kuti kubhadharwa kwapashure) inofanira kushumwa. Ungakwanisawo kubvisa ndyiko dzakadai semubereko wechikwereti chembavha, mitero yezvinhu, kugadziridza, uye kuderera. Kunokosha kuchengeta zvinyorwa zvakadzama zvemari yose iri yose iri miviri yemari nendyiko. IRS inogovera nzvimbo chaiyoiyo somubato webhizimisi, naizvozvo Purogiramu E kana kuti Shedy C ingadikanwa zvichitsamira pamutezo wokubatanidzwa.

5. Mari Yaunowana Pamudyandigere Neyaunozopiwa

Kuparadzirwa kweIRA yegamuchidzanwa, 401(k) zvirongwa, uye zvirongwa zvomudyandigere zvinobhadharwa. Roth IRA yakasununguka chero bedzi migariro yakati ichisvitswa. Betsero dzeNyama dzingavawo dzinobhadharwa murutivi kana mari yako yose inopfuura zvitsauko zvakati. Manyuko mamwe namamwe achaparira chimiro (mh. 10,99-R, SSA-1099) chaunofanira kubatanidza mukudzoka kwako.

6. Betsero Dzehurumende Namamwe Manyuko

Mari yourovha inobhadharwa zvizere. Antimon inogamuchirwa mubvumirano dzechatanuro dzakapedziswa pamberi pa 2019 inobhadharwa (mirau mitsva inoshanda nokuda kwezvibvumirano zvapashure). Kubhejera, kubatanidza mari yerotari nemutambo wecasino, kunobhadharwa uye kunofanira kushumwa. Mibayiro, mibayiro, mitero yebasa redare redare redare, uye kunyange kubviswa zvikwereti (muzvimwe zvinoitika) zvinorangarirwawo semari inobhadharwa. Murayiro mukuru: kana ukagamuchira mari kana kuti chimwe chinhu choukoshi chisingabviswi mumitero, sezvingabvira unobhadharirwa mutero.

Nei Zvakarurama Kushuma Zvinhu Zvinodiwa

Kushuma zvakarurama mari hakusi chinodikanwa chapamutemo chete, (*) ibwe rekona regadziriro yakanaka yemari. Hezvino zvikonzero zvikuru nei kuriita kwakarurama kwakakomba:

  • Kudzivisa chitsama chemitero nePUPU: IRS ine gadziriro dzakakwirira dzokuyambuka necheck reck yakashumwa ichibva pamafomu echitatu (W-2s, 1099). Kushuma kunogona kunyandura kubhadharwa, kuchiguma nemitero yeshure, zvirango (kusvikira ku20% kana kuti kupfuura zvemari yakaderera), uye chikwereti chefariro.
  • [ Kubhadharisa mari yeMitero Yakarurama: kushuma kwakarurama kunovimbisa kuti unobhadhara chitsama chakarurama chomutero. Kushuma kunogona kutungamirira kumabhiri asingakarirwi; kukwidza mari kunopfuura uko kusingabhadharwi) kunogona kureva kubhadharwa zvakanyanyisa.
  • Kushandisa mari yechikwereti neDhigioki: Zvikwereti zvemitero zvakawanda nezvitsana, zvakadai seIndasiro yeBhazi rinobhadharwa (EITC) kana kuti Child Leach Cource, zvinotsamira pamari yako yakashumwa. Kushuma chitsama chakarurama chingawedzera mari yako kana kuti kuderedza mutengo wako wemitero.
  • [ Kuchengeta Marekodhi Akanaka Ezvemari: mari inopinzwa isingachinji inoparira tsika dzemari dzakavimbika, idzo dzinobetsera nokuda kwokukumbira chikwereti, zvibvumirano zvokurenda, uye kuronga bhizimisi.
  • [ Kudzosera zvakarurama zvinoderedza ngozi yokuongorora nokushushikana kupi nokupi. Kunoratidzawo kuva mugari wemo akanaka nomutoro.

Kushuma Masvikiro Aunoita: Nhungamiro Nenzira

Kushuma mari inowanwa kungaratidzika kuva kunotyisa, asi kuiputsa kuva nhano dzinodzorwa kunosimbisa muitiro wacho. Hekuno kufamba kwakarurama.

Danho 1: Ungana Zvose Zvinozotaurwa

Chengeta gwaro riri rose rinoratidza mari yawakagamuchira mukati megore romutero.ichochi chinobatanidza:

  • [W-2] kubva kumushandirwi mumwe nomumwe
  • -INCE nokuda kwebasa repachena, [[FT:2]-1099-MISC nokuda kwedzimwe mari dzinopambwa
  • [-INT kubva kumabhangi nokuda kwemhindu, 1099-RV nokuda kwemibayiro
  • [[FOL:0]1099-B kubva kuvatengesi vemastock
  • [1099-R nokuda kwekuparadzirwa kwomudyandigere
  • SSA-1099 nokuda kwebetsero dzeRugare
  • Marekodhi emibhadharo yemari, PayPal/Venmo kutengeserana, uye mamwe marisiti api naapi asingafukidzwi namafomu

Kana uchizvishandira iwe pachako, chengeta purogiramu yemapepa kana kuti yeakaunzi ine mari yose yaunotambira. Usavimba bedzi nezvimiro zvechitatu, “vamwe vanobhadhara vangasapa fomu, asi mari yacho ichiri kunzi inoshumwa.

Nhano 2: Sarudza Mutero Wakarurama

Zvirongwa zvinozivikanwa navose nokuda kwavanhu zvinenge 1040 . Nhevedzo yemari yakapfava W-2, Maererano na1040-EZ (haisati ichiwanika pashure pa2017) kana kuti 1040 yenguva dzose ichakwana. Mamiriro ezvinhu akaoma zvikuru anoda mamwe marusarudzo:

  • [[[FL:0] Purasitiki C nokuda kwemari yokuzvishandira
  • [ Pure E nokuda kwemari yokurenda neyamambo
  • Uturo D nokuda kwemibairo mikuru nokurasikirwa
  • [ Purani 1 nokuda kwemari yokuwedzera negadziridzo

Masangano ebhizimisi (mapuropiti, maLLC, S-corps), C ane zvimiro zvawo zvimene (mutoo, 1040 Shedyuli C, 1120S, 1065). Sarudza pachivako chako. Kana usina chokwadi, bvunza maIRS zvimiro nezvinyorwa kana kuti nyanzvi yemitero.

Danho 3: Tanga Zvakarurama

Gurudza mari yose yaunotambira inosvika pamitsetse yakakodzera pamafomu ako emitero. Nhamba dzinodzorwa nekaviri dzichipesana nepepa rako. Mhosho dzinobatanidza kuchinja madhigirii, kubvisa desimali, kana kuti kukanganwa kubatanidza 1099 yanonoka kusvika. Shandisa mapurogiramu omutero anogona kupinza mashoko zvakananga kubva kuzvimiro kuti uderedze zvikanganiso zvemaoko.

Danho 4: Taura Kuti Zvikarakadzo Zvose Zvinopfaviswa Nezvikwereti

Usati wapedzisa kudzoka kwako, iva nechokwadi chokuti uri kukumbira mari yose yaunobhadhara uye chikwereti chaunokodzera. Izvi zvinogona kuderedza zvikuru mari inobhadharwa kana kuti chitsama chemitero. Somuenzaniso, kana uchizvishandira, ungabvisa ndyiko dzehofisi yepamusha, mari dzeinishuwarenzi youtano, uye mipiro yokurega basa. Kana une vana, tsvaka muChild Teaxis Cresarence. Padzidzo, rangarira American Opportunity Credit kana kuti Living Learning Crence. Ona chikamu chinotevera nokuda kwoudzamende.

Danho 5: Kudzoka Kwako Pajinga Rakafa

Musi wemitero wakarongwa nokuda kwavanhu ndewaApril 15 (kana kuti zuva rebhizimisi rinotevera). Kana usingagoni kunyora pasi nenguva, kukumbira wedzero uchishandisa Mafomu 4868. Kufutunurwa kunokupa kusvikira paOctober 15 kuvhura, asi mutero upi noupi une chekuita unofanira kubhadharwa nenguva yapakuvamba kuti udzivise zvirango nemhindu. Unogona kunyora pakombiyuta (e-file) kana kuti neposi. E-filfilter inokurumidza, yakarurama zvikuru, uye inogovera test regitari. Zvisarudzo zvapachena zvakawanda zvinowanika kupfurikidza ne [[FT:0] Fayili yapachena yemic] SS yemitero inova inovakwa.

Zvikanganiso Zvinowanzoitwa Zvokudzivisa Pakushuma Mari

Kunyange vateresi vanoshingaira vanogona kukundwa.Hedzino mhosho dzinowanzoitika zvikuru uye nzira yokudzinzvenga nayo.

Kukundikana Kushuma Mari Yose Inopinzwa

Ichi ndicho chikanganiso chokutanga. Vanhu vanowanzofunga kuti kana vakasagamuchira 1099, mari yacho haibhadharwi. Iyoyo ndeyenhema. Mari yose, pasinei nokuti wawana fomu, inofanira kushumwa. IRS inogona kuvakazve mari yako kubva kumapepa ebhangi uye ufakazi hwemararamiro. Ivai vanongwarira zvikuru pakubhadhara mari, magigigi, uye kutengeserana mari.

Kubatanidza Mari Yomunhu Oga Neyokutengeserana

Vabhadhari vemitero vanobhadharwa mabasa ivo vamene pane dzimwe nguva vanobvisa ndyiko dzomunhu oga sendyiko dzebhizimisi. IRS inonzvera zvikuru ikoku. Chengeta maakaundi ebhangi akaparadzana nemakadhi echikwereti nokuda kwebhizimisi rako, uye ndyiko dzakaderera bedzi idzo dziri dzenguva dzose uye dziri madikanwa nokuda kwebasa rako.

Mari Inotengeswa Zvisina Kufanira

Mhosho dzinowanzobatanidza kukanganwa mitsara miduku yefariro, kuvhiringidza kuwana mari netuso, kana kuti gadziridzo dzendyiko dzendyiko. Shandisa mashoko ako okushambadza naForm 1099-B nokungwarira. Kana uchitengesa zvinhu, unofanira kuverenga ndyiko yacho nenzira yakarurama, zvikurukuru nokuda kwegoverano dzakagarwa nhaka kana kuti dzine chipo.

Mitero Yaifungidzirwa Kuti Yaibhadharwa

Kana uchizvishandira kana kuti uine mari yakawanda yokuisa mari, ungada kubhadhara mitero inofungidzirwa kuva yegore rimwe nerimwe. Kudzosa mitero iyi kunotungamirira kumitero yakatarwa kumari inobhadharwa kunyange kana ukabhadhara yose panguva yakarongwa. IRS inokarira mutero kubhadharwa mugore rose. Shandisa Mafomu 1040-S kuti uverenge nokubhadhara zvikamu zvina.

Kufuratira Mitoro yeHurumende Nemitero Yomunzvimbomo

Mari inoshuma haisati iri bedzi yehurumende. Nyika zhinjisa dzinodawo mabhadharo emitero, uye mamwe maguta ane mitero yomunzvimbomo. Mutero waunoshuma pakudzoka kwako kwomubatanidzwa unowanzopfuura kuhurumende nedzorero dzomunzvimbomo, asi mitemo inosiana. Nzvera nesangano remitero rehurumende yako nokuda kwezvinodikanwa zvakati.

Mitero Nezvikwereti Zvinotapura Kushuma Mari

Nepo kushuma mari iri madikanwa, unogona kazhinji kazhinji kuderedza mari yako yomutero kupfurikidza nederedzero nechikwereti.Kunzwisisa izvozvi kunogona kukubetsera kuchengeta yakawanda yemari yako yawakatambisa.

Mitsetse iri pamusoro (Vane simba Vanouya)

Iwaya abviswa zvakananga kubva pamubhadharo wako wakakomba kuti usvike pamubairo wakakomba (AGI). Anowanika pasinei zvapo kana uchiisa zvinhu. Mienzaniso inobatanidza:

  • [ MIPINGO (magamuchidzanwa IRA bedzi)
  • [[FT:0] mubereko wechikwereti chemari yawakakweretesa (kusvikira ku $2,500)
  • [ Mari yemari yeHS (HSA) mipiro
  • Kuderedza mutero webasa rokuzvitutumadza (kuwedzera chikamu chakafanana chemushandirwi)
  • [ Mitero yeinishuwarenzi youtano inodzorwa nemabasa okuzvitutumadza

Akaiswa muchinhu mav. Standard Deduction

Unogona kusarudza kutora mari inoderedzwa yauri kushandisa (chitsama chakati pahwaro hwemari) kana kuti nyora mari yaunopiwa kana ichipfuura zvawaifanira kubhadhara. Zvitsama zvakada kutsaurwa zvinosanganisira mubereko wemba, nyika nemitero yomunzvimbomo (yakaiswa pa $10 000), mipiro yorupo, uye ndyiko dzezvokurapa dzinopfuura 7.5% yeAGI. Enzanisa nezvisarudzo zvose zviri zviviri kuona kuti ideredzei mari yako inobhadharwa mutero wakawanda.

Rubatso rwemutero (Directar-for-Dollar Recuruction)

Zvikwereti zvinokosha kupfuura mari inobviswa nokuti zvinoderedza mari yako yemitero zvakananga.

  • [[[FOT:0] Chikwereti chemari inotambirwa (ETC): Nokuda kwavashandi vakaderera kusvikira kuvanotambira zvine mwero; kunogona kudzoreswa.
  • [ Mutero wavana:[ Kukwira kusvikira ku $2 000 pamwana anokwaniriswa (zvinodzoreswa zvishoma).
  • American Opportunity Certification Is: nokuda kwemibhadharo yekoreji (Upfumi U.S. $2,500 pavadzidzi).
  • [[FLT: 0] Credit: Nokuda kwedzidzo yapashure pesekondari (kusvikira ku $2 000 padzorerwo yemutero).
  • Mwana neChesterial Care: nokuda kwendyiko dzinobhadharwa kutarisira mwana kana kuti kutsamira pakushanda kwako.

Chikwereti chimwe nechimwe chine mitemo yakaenzana neganhuriro dzemari inotambirwa. Shandisa chikwereti chemari nependi repaji kunzvera chaunokwaniriswa nokuda kwaro.

Mamiriro Ezvinhu Chaiwo: Kuzvidzora, Kuzvigutsa, uye Kurutivi

Nokukwira kwemari, vateresi vazhinji vane mikoto mizhinji yemari inowanwa. Hezvino zvinhu zvakati kuti zvokurangarira nokuda kwaavo vasina basa regamuchidzanwa.

Mutero Wokuzvitsigira

Kana uchiwana $400 kana kuti kupfuura kubva mumabasa aunozvishandira (mhindu yemambure), unofanira kubhadhara mutero webasa rako umene, unofukidza Social Security and Medicare. Mwero wacho i15.3% pa $160 200 000 yenhamba yokutanga, yakagadziridzwa gore negore) yemari inotambira mambure. Unogona kubvisa hafu yechitsama ichi sechitsama chapamusoro. Shandisa Shemeter Setreme kutema.

Kufungidzira Kubhadharwa Kwemitero Panhambo Nenhambo

Kana une mungava unenge $6 000 mumitero pashure pokunge wanyima uye wabhadhara zvikwereti zvinoda kubhadharwa, IRS inotarisira kuti ubhadhare mitero inofungidzirwa kuva muzvikamu zvina. Kupotsa mitero iyoyo kunogona kuparira chirango chemari inoringanira kutsarukana. Bala mutero wako wose waunokarira ndokukamura namana. Pass unoshandisa IRS dracrective Reasurence kana kuti Electronicle yeFederal Taxial System (EFTPTSIS).

Kuchengeta Manyoro Kunokosha Nokuda Kwevanozvishandisa

Imba yagara yakatemwa kuti ichengete mapepa ebhangi uye zvinhu zvinoshandiswa pakunyora mari yauchawana.

Zviwanikwa Nenguva Yokutsvaka Betsero Yenyanzvi

Nepo vateresi vazhinji vachigona kunyora mibayiro yavo vamene, migariro yakaoma inoda betsero yenyanzvi.Heino nzira yokuziva nayo zvaunoda uye kwokuwana betsero.

Ita-Izvo Zvishandiso Zvako Umene

IRS inogovera maturusi okugadzirira mitero pachena kupfurikidza negadziriro yeFaira yeI Yakasununguka nokuda kwavabhadhari vane mari iri pasi pechikumbaridzo chakati. Purogiramu yemitero yebhizimisi (TurboTax, H&R Block, etc.) inobatanidza mabhurari anotungamirirwa anobvunza pamusoro pamanyuko emari yako uye kuzadza zvimiro zvakarurama.

Nguva Yokuramba Nyanzvi Yemitero

Funga nezvokupinza basa muAccounting Public Accounting (CPA), mumiririri akanyoresa (EA), kana kuti gweta remitero kana ripi neripi remashoko anotevera rikashambadzirwa:

  • Une bhizimisi (zvikurukuru S-corp kana kuti C-corp)
  • Une mari yakawanda yemari inotambirwa, zvinhu zvokurenda, kana kuti zvinhu zvomumhiri kwamakungwa
  • Uri kuongorora mutero, chikwereti chemitero, kana kuti kuongorora kwokupara mhosva
  • Wakava nechinjo huru youpenyu (roorano, chatanuro, nhaka, kutengeswa kwomusha)
  • Hausi kuziva kuti mari inoderedzwa, zvikwereti, kana kuti zvinodiwa kuti upe mari
  • Mutero wako unochinja gore negore

Nyanzvi inogona kukuchengetedza nemari nokuziva zvausingazokwanisi kuita, asi chinokosha zvikuru ndechekuteerera uye kudzivisa zvikanganiso zvinodhura.

Gadziriro Dzorubatsiro Dzakasununguka

Kana une mari yakaderera, urema, kana kuti unyanzvi hushoma hweChirungu, IRS .VOUnteer Infector Inteance (VITA) uye Kupa zano nokuda kwaVakwegura [[CE] purogiramu dzinopa betsero yomutero yapachena. Shanyira [[[FLT:]] ROS kugadzirira kudzosera mutero pachena [ kuti uwane nzvimbo iri pedyo newe.

mhedziso

Kugadza mitoro yemitero ine chokuita nemari inoshumwa haisi bedzi basa regore rimwe nerimwe rinongoda kurongeka, kuziva, uye kushingaira. Kubva mukunzwisisa marudzi akasiyana - siyana emari yaunotambira unofanira kushuma kuti uzive nhano dzokuronga nokunyora mari nechikwereti, chinhu chimwe nechimwe chinoita basa mukukuvimbisa kuti usvitse misengwa yepamutemo nepo uchivandudza nzvimbo yako yemari. Zvikanganiso zvinogona kuva zvinodhura, asi nezvinyorwa zvakakodzera, mapepa akakodzera, uye zvinhu zvakarurama, unogona kunyora bhiridhai zvakarurama. Kana mamiriro ako ezvinhu achinzwa achikukurira, yeuka kuti betsero yeunyanzvi inowanika uye inowanzoko. Nokugara uchipa mari uye uchiziva pamusoro pemitero, unochinja mutoro kuva wokutarisira zvinhu, kunyange kunobatsira nemari.