Zvikwereti zvemitero zvinogona kuderedza zvikuru mutero waunofanira kuva nawo, bva vabhadhari vakawanda vanofuratira zvikwereti zvinokosha zvingaita kuti uchengete mari yakawanda. Kutaura zvazviri, Internal Revenue Service (IS) inofungidzira kuti mamiriyoni evabhadhari vakakodzera havakwanisi kubhadhara zvinhu zvakadai seFoage Incowed Taxis (EITC) Tsvorces (IS) yemutero wemari inobhadharwa mari yemadhora) Inogona kurasikirwa nemitero gore negore, zvichisiya mabhiriyoni emadhorarakiti asina kunyorwa. Kunzwisisa izvi kunokosha pakubhadhara mutero uye kuchengeta mari yakawanda yaunobhadhara. Munyaya ino, tichaongorora mitero yakawanda yausingashayiwi, kuti ushayirwe sei, uye kuti ungabatsirwa sei somubhadhari.

Kunzwisisa Mitero: Zvinonyanya Kukosha

Zvikwereti zvemitero ndezvimwe zvezvishandiso zvine simba zvikurusa mubumbiro remitemo nemhaka yokuti zvinoderedza zvakananga chitsama chemitero yaune mutero kuhurumende — dollar nedhora. Izvi zvakasiyana nezviri pamari inobhadharwa mutero, inoderedza mari yako inobhadharwa. Somuenzaniso, mari yechikwereti ye $10 000 inoderedza mari yako inobhadharwa ne $6 000, uko kungakuchengetedza bedzi $220 kana uri mudura remari 22%.

Kune marudzi maviri makuru emitero: isingashanduki. Zvikwereti zvinotsaurwa, uye [[FT:2] zvinogona kudzorerwa kana usina chikwereti. Zvimwe zvikwereti zvinogona kuderedza mutero wako kuti uite zero asi kwete pasi paicho. Rusarira rupi norupi rwakarasika. Rupo rwako rwasara rwarakarasika, pane rumwe rutivi, runogona kuguma nokudzorerwa kunyange kana usina chikwereti. Zvimwe zvikwereti zvinogona kubviswa, zvinoreva kuti chikamu chinogona kudzoserwa apo chasara chisingagoni kushaiswa. Ruzivo rwaudzo rwako rwako rwako rwati rwakakomba kugadziriswa nokuda kwokuronga.

Vaiwanzotsvaka Zvikwereti Zvemitero

Pasi apa pane zvimwe zvezvikwereti zvinokosha zvikurusa uye zvinowanzoshayikwa, zvine udzame hwakakura hwokukubetsera kuziva kuti hauna kukwaniriswa.

Mubayiro Wemutero Waibhadharwa Nevanhu Vane Mutoro (EITC)

Mari yeTrust inotambirwa [$360] Ichikwereti chemari inotambirwa [$37] [FTC] ichikwereti chinodzorwa nokuda kwemari yako inotambirwa kuti ive yakaderera kuti iwane vanhu vanoshanda nemhuri. Muna 2024, mari inokwira kubva pa $600 nokuda kwomunhu asina vana vanopfuura $7,800 nokuda kwemari inokwana. Ribhii inotsamira pamari yako inotarwa, mari inotambirwa, uye nhamba yavana vanokwaniriswa. Vashandi vazhinji vasina vana vanokwaniriswa nokuda kwechikwereti chiduku asi kazhinji kazhinji vanokundikana kuiwana. Kukwanirisa, unofanira kuva nemari inobva pabasa kana kuti kushandira uye kukwanisa kuwana mari yakananga inogadzirirwa gore negore. Shandisa ERCIS

Kubhadhara Mitero Yevana (CTC)

Credit for forgit Inopa mari yeTreaty yakarongwa yakaenzana ne $2 000 pamwana ari pasi pemakore 17. Kukwira kusvika $1,700 yemari iyoyo inodzorwa (Ichikwereti Chokuwedzera Child Tax). Kutaura nezvechikwereti chakazara, unofanira kuva nemari yakachinjwa pasi pe $500,000 (Z $50 000 [Z $4 000] nokuda kwemitero yakarongedzerwa). Chikwereti chinobvisa mari yokurera vana zvishoma nezvishoma, asi mhuri dzakawanda dzinova dzinokundikana nemhaka yokuti hadzina kunyora bhadhadhamu remikoro kana kuti hadzizivi kuti vakwani vakwaniriswa kana mari yavo iri yakaderera zvikuru.

Kubhadhara Mutero Kwavana American Opportunity (AOTC)

American Opportunity Through Issure ichikwereti chisingatsauswi nokuda kwendyiko dzedzidzo yakakwana mukati mamakore mana okutanga edzidzo yesekondari. Unogona kutora $2,500 pavadzidzi vakakodzera, uye 40% yeidzo idzo (inosvika $6 000). Mudzidzi anofanira kunyoreswa panenge pahafu yenguva yemari mudhi kana kuti purogiramu yepepa. Nhamba dzechikwereti dzinovatsigiriki nemari yakagadziridzwa inodarika $80 000 ($160 000). Vadzidzi vazhinji kana kuti vabereki vavo vanofuratira iyi chikwereti nemhaka yokuti zvinobatira bedzi kubhadhadha — asi zvinokwanwawo zvitsaro, zvitengo, uye kunyange mabhuku akatengwa.

Bvunzo Yokudzidza Muupenyu Hwose (LLC)

Ndyiko dzinoshanda dzinobatanidza mari inodikanwa nokuda kwedzidzo yepamusoro kana kuti kukura kwebasa. Hamuna divi ramadhigirii edzidzo kana kuti purofiti, munogona kushandisa chikwereti nokuda kwemakosi avanhu kuti muvandudze unyanzvi hwebasa. Zvisinei, LLC haishaikwiri mari inodzorwa (kwete mudzidzi mumwe). Ndyiko dzinoda mari inodikanwa nemari inobhadharwa nokuda kwemitero kana kuti zvishandiso zvekosi. Hamuna chinodikanwa nokuda kwedhigirindi kana kuti purofiti yedhi.

Njere Dzinopa Simba Pazvinhu

Varidzi vedzimba avo vanoisa gadziriro dzesimba dzinomutsidzirwa vanogona kukumbira Residientien Effient Epertion Intect Cerve (kazhinji kazhinji vanonzi kubhadhara mari yezuva). Nokuda kwemitengo inoiswa mubasa muna 2024, chikwereti i30% yendyiko yemari yose, pasina mari inokwana. Ruzivo rwemagetsi runobatanidza nzvimbo dzamagetsi, michina yezuva inopisa mvura, mhepo inopisa, mhepo inokwevara, uye masero epetroli. Iyi chikwereti hachisimutsikiyi kupfuuyiswa mberi kumakore anotevera. Varidzi vazhinji vanodavira nenzira inhema kuvakwa kwechikwereti bedzi kana kuti vanofanira kutenga gadziriro itsva yechinhu chaicho — masangano echokwadi, angakwaniswa kana muridzi wemusha wapakuvamba ari mushandi. [Foctive]

Muchengetedzi (Kaniti Yokuchengetedza Mipiro Yokuchengetedza)

Chimwe chikwereti chinowanzoshayikwa i Credit com , chinotusa vanhu vakaderera uye vane mwero nokuda kwokupa mari kumaakaundi okurega basa akadai se 401 (k), IRA, kana kuti gadziriro yakafanana. Chikwereti chakaenzana ne50% yemipiro yako, nechikwereti che $62 000 nokuda kwemafashoni). Unofanira kuva panenge pa18, kwete mudzidzi wenguva yakazara, uye kwete anobhadharwa seanobhadharwa. Vateresi vazhinji vanowana mari shomanene zvokusa nokuda kwomudyandigere, asi kunyange mipiro miduku inogona kunyandura iyi chikwereti chinokosha. IRS inogovera [[FLT:] mari inosairwa [mapeji[FFF]

Manzwiro Anofadza, Asingarerutsi: Chikonzero Nei Achikosha

Kunzwisisa kana chikwereti chisingabhadharwi kana kuti chisingabhadharwi kunogona kutapura zvikuru kuronga kwako kwomutero. Kana une mutero wakaderera, chikwereti chisingabhadharwi chingava chisina maturo, nepo chikwereti chinopfuudzwa chinogona kugovera chikwereti kunyange kana usina chinhu. Somuenzaniso, Child Leach Ressurence inosaipira kana kuti isingabhadhariswi, zvinoreva mhuri dzine mari shoma zvikuru dzinogona kugamuchira mari inosvika $1,700 pamwana oga oga sechinotsiviwa. Chikwereti chehomwe chinobhadharwa chinogona kudzoserwa zvizere, kuchichiita chimwe chezvikwereti zvinokosha zvikurusa nokuda kwavashandi vanotambira pasi. Chinosadzo chakaderera senguva yaKudzidza kana kuti kubetsera kubhadhara mari yechikwereti chichiripo, asi hachigoni kuwana chikwereti chinopfuurwa.

Zvaunoda Kuti Ukwanise Kubudirira

Pasi apa pane mirayiridzo yakawedzerwa yezvikwereti zvinowanzoshayikwa, kusanganisira zvinhu zvitsva zvazvino uno.

Kunaka

Kuti ukwaniriswe nokuda kweEITC muna 2024, mari yako yakatarwa nemari yakagadziridzwa inofanira kuva pasi pezvikumbaridzo zvakati: nokuda kwevasainirana vasina vana vanokwaniriswa, AGI inofanira kuva pasi pe $18,59; nokuda kwemibatanidzwa ine vana vatatu kana kuti kupfuura, AGI inofanira kuva pasi pe $63,398. Unofanira kuva nenhamba yeSacuti yeSocial Security, fauty EXIT, musoro wemhuri, anokwaniriswa chirikadzi (mubatanidzwa wemitezo yemichero yemari yese isati yakwaniswa). Kubhadhara mari yehotera inofanira kuva $11 000 kana kuti iri pasi. IR shatsiridza iyi miganhuro; gore negore uongorore [FLD:] EC[FLD]

Kupiwa Rukudzo Rwokubhadhara Mutero Kwavana

Nokuda kweChild Tax Creath Creen, mwana anofanira kuva pasi pe 17 pamugumo wegore, kuva anotsamira pako, ane nhamba yeSocial Security, uye anogara newe kweinopfuura hafu yegore. Chikwereti chinotanga kupera paAGI ye $20 000 nokuda kwemitengo inobhadharwa yemafaira ari pasi pe $2,500 000 uye $40,000 nokuda kwemitengo inowirirana. Chikamu chinodzorwa (Chibereko cheChidiki) chinoda mari inenge $2,500; chikwereti chinovakwa se15% yemari inotambirwa kupfuura $2,500,500,000, kusvika ku $17 000 (Z $6,00) pamwana mumwe.

Zvavanowana Padzidzo: Misiyano Inokosha

American Opportunity Tax Incorver inowanika bedzi kwamakore mana okutanga edzidzo yechipiri, inoda inenge hafu yenguva yokunyoresa mudhigirii kana kuti rugwaro, uye inofukidza mutengo, mari, uye zvishandiso. Upenyumet Learning Crever inofukidza dzidzo ipi neipi yapashure pesekondari kana kuti rovedzo, kubatanidza makosi asiri edhigirii, uye haina muganhu pachiverengero chamakore. Vose vari vaviri vane mwero wemari inonyoreswa: nokuda kweAOTC, mwero wokuwedzera i $80 000 ($10,000-$180 000); nokuda kweLC, i $100,000 000 000 000 000 ($100,000-$180 000 000)). Haugoni kutonge uchiti zvose zviri zviviri kuva nechikwereti nokuda kwomudzidzi mumwe mugore mumwe chete, naizvozvo purofiti inokupa betsero huru.

Kukwanisa Kushandisa Simba

Iyi chikwereti chinoshanda kumutengo wegadziriro dzemagetsi dzinokwaniriswa dzakaiswa muimba yako yokutanga (kana kuti musha wechipiri wemimwe michina). Gadziriro inofanira kuiswa mubasa panosvika December 31 wegore remutero. Chikwereti i30% yemutengo usina muganhu mukuru wemitengo inoiswa mubasa kubvira muna 2022 kusvikira muna 2032, ipapo inoderera pashure paikoko. Ndyiko dzinobatanidza kushanda nokuiswa kwemafuta. Kana kuri masero, chikwereti chinoganhurirwa ku $5,55% yemitero. Iva newaumbiwe magetsi kugovera macregisters kuvimbisa kuva nepeni.

Nzira Yokuti Zvikwereti Zvemutero Zvakarurama

Kupa zvikwereti zvemitero kunoda mapepa akakodzera uye ngwariro kuudzame.

  • `Chinyorwa chamanyuko': Chengeta magwaro ose ari madikanwa — W-2, 1099, kutaura kwokuziva (Form 1098-T), maraiti egadziriro yemagetsi, mashoko omupiro wepamudyandigere, uye ufakazi hwokuva akakwana kufanana netupa rokuberekwa nokuda kwavabatiri.
  • [[NHAU: 0] Shandisa Software yeMitero kana kuti Professource yeMitero: Software yemitero yakakwirira (se., Turbotax, H&R Block, Free File) ichakufambisa muchikwereti chimwe nechimwe ndokubvunza mibvunzo. Nyanzvi yemitero inogona kuziva zvikwereti zvaungasaziva pamusoro pezvitambudzo zvakaoma zvakadai sebasa rako umene kana kuti vabatiriri vakawanda.
  • Kubatanidza Mafomu Akakodzera: EITC inoda Marudzi 862 kana yakamborambwa; Child Tax Cream inoshandisa Shoom 8812; Zvikwereti zvedzidzo zvinoshandisa Magiramu 8863; chikwereti chesimba chinoshandisa Mafomu 5695. Qinisekisa kuti unobatanidza zvimiro nerudungwe zvakarurama.
  • Kaviri-Mari-Decondame Miganhu: simbisa AGI yako yakachinjwa panhambo inotangira. Zvikwereti zvizhinji zvinobuda zvishoma nezvishoma — kana uri pedyo nemuganhu, kuderedzwa kuduku kwemari inowanwa (sumo, kubvisa bhaindi) kunogona kukuchengeta wakakodzera.
  • View and Prose: Pamberi pekudzoka kwako, hwirudzura nokuda kwokururama. Mhosho dzinozivikanwa dzinobatanidza zvitsauko zvisina kururama zveNhare dzeNzanga, zvimiro zvinoshaikwa, uye mari inoverengwa zvisina kutsarukana. IRS inoramba kudzoka nemashoko asina kufanana, ayo anononotsa kudzoka.

Zvikwereti Zvemitero Zviri Panhanho Dzehurumende: Musakanganwa Mikana Yomunzvimbomo

Mukuwedzera kuchikwereti chehurumende, nyika dzakawanda dzinopa zvikwereti zvavo vamene zvechikwereti izvo zvinogona kuderedzazve mari yemitero yehurumende kana kuti kugovera mari inodzorwa. Somuenzaniso, hurumende dzinoverengeka dzakapawo chikwereti chemari yemari inotambirwa yemari inotambirwa kuti ikwerete pawebsite yehurumende yeEITC, kazhinji kazhinji inofanirwa nependi muzana yechikwereti chehurumende. Mimwe mitero yehurumende inobatanidza zvikwereti zvemari yokutarisira mwana, mari yakachengetwa yedzidzo, uye simba rinomutsidzira. Dzimwe nyika dzinopawo chikwereti chemipiro yemipiro inoyamura kana kuti kurera mwana. Nzvenga chikwereti chehurumende chechiremera chemari chenyika chezvikwereti kana kuti chiva chamazaniso chakafanana ne [[FLT:] [FLT]

Kuchinja Kwemisi Ichangobva Kuitwa Kuzvikwereti Zvemitero (2023 - 2024)

Mitemo yemitero inochinja - chinja, uye kuramba iripo inokosha.

  • EITC: [Z $52] nokuda kwa2024, mbiri yakawedzera nemhaka yegadziridzo dzemitengo. IRS yakawedzerawo rondedzero ye “kubereka vana” nokuda kwemigariro yakati inobatanidza kurera nokurera.
  • Creding Trust: Shanduro yakawedzerwa 2021 (yawedzerwa kusvikira ku $3,600 pamwana) yapera, mari yechikwereti yazvino $2 000 ichiri kushanda. Zvikarakadzo zvokuwedzera CTC zvinokurukurwa gore negore — nzvera website yeIRS nokuda kwemichina ipi neipi yegore rapakati.
  • Crouts: Act yeInflatiation Reduction ya 2022 yakawedzera chikwereti chesimba rokugara kusvikira ku 30% kusvikira ku 2032 uye yakawedzera mapoka matsva semichina yokuchengeta bhatiri. Iva nechokwadi kuti une nhungamiro yazvino yeIRS yekuisirwa kwako.
  • [[FT:0] Tsamba dzinogoverwa: Miganhu yemari yeAOTC neLLC inogadziridzwa nokuda kwokukwira kwemitengo gore rimwe nerimwe. Nokuda kwa2024, zvikamu zvokutora nguva zvakati pfuurei kupfuura 2023, zvichiita kuti vateresi vakawanda vakwaniriswe.

Nguva dzose nongedzera ku IRS & DDAUTS peji nokuda kwamashoko azvino zvikurusa.

Zvikanganiso Zvinozivikanwa Navose Zvokudzivisa Pakuzviti Zvitaro Zvemitero

Kunyange uchiziva kuti munhu ane zvikwereti, kanganisa kunogona kunonoka kana kuti kurambwa.

  • Kudzosa mutengo: Vashandi vazhinji vanotambira mari yakaderera vasina chikwereti chemitero vanofungidzira kuti havadi kunyora faira — asi ndiyo nzira bedzi yokutaura nayo chikwereti chakakombama seEITC. Kunyange kana usina chikwereti, faira kuti uwane zvikwereti zvako zvinobhadharwa.
  • [ Kushuma mari inowanwa: Mutengo unowanwa unogona kuderedza kana kuti kubvisa kuva nechikwereti, nepo kuchinyanyogona kumutsa kunzvera. Ratidza mari yose, mari yemipiro, uye mari yokuzvishandira nenzira yakarurama.
  • Mitemo inotsamira pamunhu: Nokuda kweChild Tax Creasurence, mwana anofanira kuva nenhamba yeNhare yeNzanga yenzanga uye kugara newe kweinopfuura hafu yegore. Nokuda kweEITC, vana vanokwaniriswa vanofanira kusangana neukama, zera, kugara, uye kuedza kudzosera.
  • Kusanzvera nokuda kwezvinotemwa: Vamwe vateresi vanotambira mari inopfuura zvikuru padanho rokurega kubhadharwa ndokufunga kuti havakwanirisi, asi zvikwereti zviduku zviripo. Ongorora mwero chaiwo wokurega.
  • Mari dzedzidzo dzinopetwa nakaviri: Haungagoni kuwana ndyiko dzakafanana nokuda kwezvose zviri zviviri AOTC neLLC, uyewo haugoni kushandisa ndyiko dzimwe chetedzo nokuda kwemari yemari yomutero nechikwereti.

Kuronga Mberi: Nzira Yokuwedzera Nayo Mari Yegore Rinotevera

Unogona kutora matanho mugore rose kuti uwane mari yakawanda yokuwana chikwereti:

  • ruramisa kusaita kwako:[[FT:1] Kana ukagamuchira nguva dzose zvikwereti zvikuru kubva muchikwereti zvakafanana neEITC, rangarira kugadziridza W wako kuti uderedze ndokuwedzera muripo wako wemusha mugore rose. Asi ngwarira kusaderedza mutengo nezvirango.
  • [[FTL:0] Kosita kumaakaundi okurega basa: Mipiro kuIRA yegamuchidzanwa kana kuti 401(k) (k) kuderedza AGI yako, uko kunogona kukuchengeta uri pasi peganhuriro dzechikwereti chinoverengeka. PK, ungakwanirisawo nokuda kweSarer’s Credit.
  • Ndyiko dzedzidzo dzakarongwa: Kana une mudzidzi mumakore mana okutanga ekoreji, wedzera AOTC kupfurikidza nokubhadhara ndyiko dzemari nemabhuku mugore rimwe pakwaibvira, panzvimbo pokudziparadzira. Yakabatanidzwa neparadziro dzinogoverwa dzegadziriro kuti udzivise betsero mbiri.
  • Kuvandudza simba rapamusha: Kana uchironga kuisa nzvimbo dzinogadzirwa zuva kana kuti mimwe miitiro inomutsidzirwa, nguva yokuisa kuwiriraniswa namakore omutero apo unenge une chikwereti chechikwereti chisingachinjiki. Famba negadziriro dzinokubvumira kushandisa chikwereti kwamakore akawanda.
  • [[[NUT:0] Chinjo dzemitemo: Mabhiri matsva omutero anogona kuwedzera kana kuti kugadziridza zvikwereti pakati pegore. Zvinyorere kumari yomutero yeIRS kana kuti mapepa emitero anoremekedzwa okugara aziviswa.

mhedziso

Zvikwereti zvemutero zvinogona kugovera betsero dzemari huru, bva vabhadhari vazhinji vanorasikirwa nemikana iyi nemhaka yokushaiwa kuziva kana kuti mitemo yakaoma. Nokunzwisisa zvikwereti zvakasiyana - siyana zvinowanika — kubva kuIniged Tax Created and Child Tax Ice kudzidzo nechikwereti chesimba — unogona kudzorera mari yakawanda muhomwe yako. Yeuka kunzvera zvose zvikwereti zvehurumende nezvibvumirano zvehurumende, shandisa mapepa akarurama, uye gara uchiziviswa pamusoro pekugadziriswa kwegore negore. Kana ukaita purogiramu yekombiyuta kana kuti kubhadhadhadhai nyanzvi, shandisa nguva yokuhwirudzudza zvikwereti zvose zvaungakwanisva. Nhambudzo inogona kubhadhara mari huru zvikuru kana kuti mutero wakaderedzwa. Dont anosiya mari yapachena — kutaura kuti chikwereti.