Kunzwisisa Zvinodzidziswa Nemitero

Mitero yokubiridzira ibasa repamutemo kuvanhu vakawanda uye mabhizimisi muUnited States. Muitiro wacho unobatanidza kushuma mari yako, mari yaunotambira, uye zvikwereti kuti uzive chitsama chemitero yaunofanira kuva nayo kana kuti mari yaunofanira kubhadhara. Dare reInternational Revenuverence Ser (IRS) rinogadza mitemo, uye miganhu mirengwa mikukutu mikukutu. Kurega kunyora musi wokuisa mari kunogona kuguma nezvirango nefariro. Iyi nhungamiro yakawedzerwa kukubetsera kunyora mativi ose zvakarurama uye panguva.

Zvinhu zvinoverengeka zvinokosha ndizvo zvinoumba hwaro hwemafaundi emitero yeUnited States:

  • Gore reAkabhu: Nguva yemwedzi 12 inofukidzwa nokudzoka kwako. Vanhu vazhinjisa vanoshandisa gore rekarenda (January 1 kusvikira kuna December 31). Mabhizimisi angashandisa gore refiscal.
  • Mugariro wako weroorano pazuva rokupedzisira regore unosarudza mugariro wako. Zvisarudzo zvinobatanidza Kuva asina kuroora, Kufara kwapakati, Kuroora kwakaparadzana, Musoro wemhuri, uye Qualifing Primen(er). Mamiriro ako ezvinhu anotapura chitsama chako chomutero, chitsama chamanyu, uye kuva akakwana nokuda kwezvikwereti zvakati.
  • ZVIPINDURWA: Izvi zvinoderedza mari yako inobhadharwa. Unogona kusarudza mari inotsaurirwa yakavakirwa pamugariro) kana kuti tsaura mari yakaenzana nemubereko wembavarira, mipiro yemari, uye mari yezvokurapa. Kutora mari kunowanzova nenjere kana mari yako yose inopfuura mari yawakatarwa.
  • Zvikwereti: Izvi zvinoderedza zvakananga mutoro wako womutero, dola nokuda kwedhora. Mienzaniso inobatanidza Inivertive Inhost Ice for foroive Creats (EITC), Credit of Child Possor, uye chikwereti chedzidzo. Zvimwe zvikwereti zvinodzorwa, zvinoreva kuti unogona kugamuchira bhadharo kunyange kana usina mutero.
  • Mari inogadziriswa Gross Infit (AGI): Mari yako yose yakabvisa gadziridzo dzakati (semipiro yeIRA nemhindu yemari yomudzidzi). AGI ndiyo mavambo okuverenga zvitsama nezvikwereti.

Kunzwisisa izvi zvinokosha kunokubatsira kushandisa zvimiro zvemitero ndokuita zvisarudzo zvinochengetedza mari. Kurondedzero dzapamutemo, nongedzera ku ZVIPANDURO 17[[FLT: 1]].

Nhano 1: Unganga Magwaro Ose Anodiwa

Mapepa anenge asina kuwanikwa anoita kuti pave nokunonoka kunyora mapepa, kukanganisa kwemasvomhu, uye kupotsa mari yaaibviswa.

Mapepa Anobhadharwa

  • [[ITS.:0] Comment Yakagoverwa nomushandirwi wako nokuda kwomubayiro, mari, uye mimwe muripo. Unofanira kuugamuchira kusvikira January 31.
  • Mafomu: Marudzi akasiana - siana omushumo wokusashanda. Anowanzobatanidza:
    • -NEC nokuda kwebasa rapachena kana kuti bvumirano (zvino uno 1099-MISIC nokuda kweripo rebasa risiri rebasa).
    • -INT uye -RC nokuda kwemubereko nemari inokamura kubva mumabhangi kana kuti mutengo wemari.
    • [-G [ nokuda kwemibhadharo yehurumende semitero yehurumende kana kuti muripo wourovha.
    • [-R nokuda kwokuparadzirwa kwemidyandigere, zvitsaru, kana kuti maakaundi omudyandigere.
    • nokuda kwekadhi rokubhadharwa nekadhi rechitatu remibatanidzwa yemibatanidzwa (kana waitengesa zvinhu kana kuti mabasa kupfurikidza nezvikuva zvakadai sePail, Venka, kana kuti ebay).
  • [[FT:0] Mamwe Marekodhi emari anowanwa: Kutaura kwemari inotambirwa nendangariro, zvinyorwa zvebasa rako umene, kuwina kubhejera, uye mamwe manyuko api naapi.

Mari Nezvinyorwa Zvokubvisa Mazai

  • Mari dzinotumirwa nokuda kwemipiro yorupo (kash neasiri mabhakashi).
  • Mashoko efariro akaderera (Form 1098) kubva kumukweretesi wako.
  • Marisiti emitero yenzvimbo.
  • Kunyora mari inoshandisirwa chiremba uye mazino (kana muchida kugadzira zvinhu).
  • Zvimiro zvendyiko dzedzidzo (Form 1098-T nokuda kwokuberekwa uye ndyiko dzakafanana).
  • Kutarisirwa kwevana kunobhadhara marekodhi (zita romugadziri, kero, uye EIN kana kuti SSN).
  • Ndyiko dzinobatanidzwa nebhizimisi kana uchizvishandira umene (migove yebasa, mari yekiromita, midziyo).

Kuzivikanwa Namashoko Egore Rapamberi

  • Nhamba dzeNzanga Yakachengeteka, wokuroorana naye, uye dzevanoda kubatsirwa.
  • Gore risati rasvika (zvikurukuru AGI yako kuvambira gore rapera, yaishandiswa kubvumikisa chizivikanwo kana e-firifi).
  • Akaundi yebhangi nenhamba dzokufambisa nokuda kwokuchengeta kwakananga mari ipi neipi inoiswa mubhangi.

Ronga magwaro aya mudura renyika yakatsaurirwa, --madhiginistiki akanakisisa nokuti unogona kuabatanidza nyore nyore kupurogiramu yemitero kana kuti tsamba kunyanzvi. IRS inopawo Tax Time Guide[ nezviteshi.

Nhano 2: Sarudza Mutoo Wako Wokufambisa

Pane zvaunogona kuita kuti ugadzirire uye udzoke.

Software Yemitero Yepakombiyuta

Vateresi vazhinjisa vanoshandisa purogiramu dzesoftware dzezvokutengeserana (TurboTax, H&R Block, Taxlayer, etc.). Zvirongwa izvi zvine mibvunzo yebvunzurudzo, nhamba dzinoshanda, uye kuvhura kwakananga. Vazhinji vanopa shanduro dzapachena nokuda kwedzokerero dzakapfava (Form 1040 pasina kuisa zvinhu). Shanduro dzepid dzinobata kutengwa kwemari, nzvimbo yokurenda, uye mabasa omunhu oga. Betsero dzinobatanidza kunzvera, marendi okukurumidza (kazhinji mukati mamazuva 21) uye kusimbiswa kwokugamuchira nokukurumidza IRS.

Sarudzo Yefaira Yakasununguka

purogiramu yeIRSFree File vabiyayo veIRS nekambani dzesoftware kugovera magadzirirwo omutero wapachena neindare nokuda kwavanhu vane mari yakagadziridzwa yakaenzana ye $79 000 kana kuti pasi (panodzokera 2024). Unogona kuiwana zvakananga pa Free Fayili yeFree[. Kuwedzera, IRS inogovera Mafomu aZarika (yakasununguka asi isina bvunzurudzo inotungamirirwa) nokuda kwemwero upi noupi wemari.

Kuzvipira Kuwana Rubatsiro rwemitero (VITA)

Kana uchiwana $64 000 kana kuti pasi, une urema, kana kuti unotaura chiNgezi chishoma, vazvipiri vane chiremera cheIRS vangagadzirira mitero yako yapachena panzvimbo dze VITA dzomunzvimbomo. Vanogona kubata mibayiro mikurusa. Nenzira yakafanana, Possoution for the Aderderder (CCE) inopa betsero yapachena nokuda kwaavo vane makore 60+.

Kunyengedza Nyanzvi Yemitero

Mutengi wemitero wavose (CPA), munyoresi akanyoreswa, kana kuti gweta remitero anorumbidzwa nokuda kwemigariro yakaoma: kushanda kwomunhu oga nezvinobviswa zvinokosha, zvinhu zvokurenda, mari yenyika dzakawanda, nhau dzemitero yamarudzi ose, kana kuti kuva nebhizimisi. Vanamazvikokota vanoziva mutemo wemitero wazvino uno, unogona kukumirira mukunzvera, uye kazhinji kazhinji vanowana mari yaungarasikirwa nayo. Kukarira mari yakavakirwa pakuoma: kudzoresa kuri nyore $50/% $400, yakawanda inobatanidzwa kudzosera mari inodzorwa $540+.

Kufema Mapepa

Kutumira pepa rekudzosera kuchiri kubvumirwa, asi kugadzira kunotora mavhiki 6-8 (kana kuti kurebesa). Kudzokororwa kwepepa kunokombamira zvikuru kuzvikanganiso zvemaoko uye magwaro akarasika. IRS inodzivisa zvakasimba kuisa papepa kutoti usina chimwe chisarudzo. Kana ukaita pepa repepa, shandisa kero yakarurama nokuda kwehurumende yako (rinowanwa mumirairo 1040).

Danho 3: Zadza Mitero Yako Zvakarurama

Kana wangosarudza nzira yaunoda kushandisa, inguva yokuti uzive mashoko aunofanira kuwana, shandisawo mapurogiramu anenge anyorwa.

Mavambo 1040

Munhu mumwe nomumwe anoshandisa Mavambo 1040 (kana kuti 1040-SR kuvakuru). Iyi peji inounganidza nzvimbo yako yokunyora, mari, gadziridzo, zvitsaru, zvikwereti, uye kuverenga mitero. Zvirongwa zvizhinjisa zvinobatanidza Mavara 1040:

  • [ Imari yokuwedzera nemari yaunowana nokugadziridza mari yaunowana (muchib., basa rako umene, almony, ndyiko dzomudzidzisi).
  • [[FT:0] Purasi A: Ndyiko dzakaiswa (ndyiko dzokurapa, mitero, mubereko, zvipo, kurasikirwa nekuvadziko).
  • [[[FL:0] Purasile C:[ Mhindu kana kuti kurasikirwa nebhizimisi (vanhu vanozvishandira).
  • [ Uturo D: Muzinda unowana nokurasikirwa.
  • [ Purasi E: Mubhadharo wemari unobva murendi, utongi, zvikwata, masangano eS, nzvimbo, uye zvitendi.
  • [[[IDZO] Mitero yebasa repamba (yamanannin kana kuti vachengeti vedzimba).
  • [[[D]SV]SVRES SE: Mutero wokuzvishandira.

Kucheka Zvemaviri

Nguva dzose nzvera kuti:

  • Mazita uye nhamba dzeSocial Security dzinonyatsofanana (kusanganisira mazita epamutemo evakaroorana uye evanotarisira).
  • Nhamba dzeakaundi yebhangi nokuda kwokuisa mari zvakananga dzakarurama(81 compoto isina kururama inogona kunonotsa rendi yako kana kuti kutumira kumuenzi.
  • Mari yose inoshumwa (kunyange miduku inotakurwa nehove yehorlance gigs) inogamuchira makopi ema1099 nematimatisi).
  • Zvikwereti nechikwereti zvinotaurwa zvakarurama (muchiito, haugoni kutaura EITC kana une marudzi akati emari inotambirwa mari kupfuura pamavambo).
  • AGI yako kubva mugore rapera (inoshandiswa sesaini yemagetsi) inopinzwa zvakarurama.

Mamiriro Ezvinhu Anowanzoitwa

  • [[ITSO] FORm 862 kana ukataura kuti EITC uye yakanga isingabvumirwi mugore rakatangira.
  • [[FOLT:0] FORm 6251 nokuda kweMitemo yakaderedzwa (AMT) kana mari yako yakakwirira zvikuru.
  • [[FOL:0] FORm 5329 nokuda kwemitero yokuwedzera pagadziriro dzokurega basa dzakakwaniriswa (mutoo, kuparadzirwa kwokukurumidza).

Kana uri kushandisa mugadziri anobhadharwa, vanofanira kukupa kopi yedzorero rako rose.

Nhano 4: Ongorora Zvakanaka Kudzoka Kwako

Izvi zvingaita kuti uone kuti purogiramu yekombiyuta haigoni kurasa purogiramu dzisina kurongwa kana kuti mashoko anotaurwa zvisiri izvo.

Murongedzero Wehwirudzuro

  • [ Mugariro wakarurama: Wakarurama here? (Chiratidzo: Musoro wemhuri unoraira kuti ubhadhare inopfuura hafu yendyiko dzepamba ndokuva nomunhu anokwaniriswa anogara newe.)
  • Zvose zvinoshuma: Enzanisa mari yako yose yaunowana mu 1099 naW-2 nezvitsama zvakapindwa.
  • Mavs. Anemitengo: Mudzinga nhamba(] inobhadharwa bedzi kana hwerengedzo inopfuura mutengo wakafanira. Nokuda kwa2024, perefu yesero iri $1600, $4,600 (HOH) $2,00 ($2,00) uye $200 (majoini ane tsvina).
  • [[[NHAU]] Kudarikwa: Cherechedza mitemo inodikanwa. Somuenzaniso, Child Taxis Cursures inoda kuti mwana ave ane makore ari pasi pe 17 pagore uye ave neSSN inoshanda.
  • Math Ceding: Kunyange nesoftware, ive nechokwadi chokuti mafaira epepa anowedzera. Madaidziro epepa anofanira kuverengwazve noruoko kana kuti kushandisa calculator.
  • [[NHAU]] Kusaina nemisi: Mazita e-file anofanira kugovera gore risati rasvika AGI kana kuti PIN Umene. Mazita okusaina epepa anofanira kusaina (vose vari vaviri kana vakaroorana mubatanidzwa).
  • Zvikamu: Kana papepa paine purogiramu nezvimiro zvose zvinodikanwa (mutoo, W-2 kopi B).

Zvikanganiso Zvinozivikanwa Navose Zvepfuravhi

  • Nhamba dzeNhare Yenzanga dzinoshayikwa kana kuti dzisina kururama (zvikurukuru nokuda kwavabatiri).
  • Kutaura kuti anotsamira pakutsamira pake asingakwanirisi (basa, kugara, kuedza kunotsigira).
  • Kupinza mari kubva mu1099 somubhadharo panzvimbo pemari yokuzvishandira umene (inotapurwa nemitero yokuzvishandira).
  • Kukundikana kushuma mari yomutero yehurumende kubva gore rakapfuura kana ukaisa mari inoderedzwa muhurumende iyoyo.
  • Kuverenga zvisina kururama Tsamba Yomutero Yavana kana kuti kufuratira zvikumbaridzo zvokupinda.

Danho 5: Kudzoka Kwako Pamberi Pevakafa

Nguva yezvirongwa zvemitero yehurumende inowanzova April 15 (kana kuti zuva rinotevera rebhizimisi kana ikawira pakupera kwevhiki kana kuti zororo). Nokuda kwa2025 (zvinodzoka 2024), nguva inosvika April 15, 2025. Dzimwe nyika dzinewo nhambo yenhambo yaApril 15, nepo dzimwe dzichisiyana (zvikurukuru, Hawaii, Louisiana). Ongorora website yemari yehurumende yako.

Kufema Nemagetsi

E-filifish ndiwo mutoo unonyanya kukurumidza, wakachengeteka zvikurusa. IRS inoita mafaira zvikurusa inodzosa mukati mamaawa 24 nezvinyorwa mukati mamazuva 21 kana ukasarudza nzvimbo yakananga. Unogona kuisa e-faira kusvika pakati peOctober kana uine futunuko (ona pasi apa). Programu zhinji dzemitero dzinoraira mubhadharo wehurumende wekubudisa firimu, asi gadziriro yeFederal yakasununguka kupfurikidza neFilefuremu kana kuti Mafomu akadzikiswa.

Kutumira Tsitsi Dzokudzoka Kwako

Kana iwe uchishandisa faira yepepa, shandisa kero yakarurama yeIRS nokuda kwehurumende yako (inowanwa muMiraidzo yeChimiro 1040). Tumirai kupfurikidza netsamba inobvumikiswa nerizi rinodzorwa kubvumikisa musi wedisc. Musi wepositi inonyorwa unova musi wako wokunyora.

Kukumbira Chidziro

Kana usingagoni kupedza pa April 15, unogona kukumbira wedzero yemwedzi 6 nenzira yoga uchishandisa Form 4868. Iyi nhambo inotambanudza nguva yakarongwa kusvikira kuOctober 15. Zvisinei, uku kufutunurwa kunongoshanda bedzi ku [ kubhadharisa [, kwete [[FLT]], kwete [[FLT]] muripo [. Unofanira kubhadhara mitero inofungidzirwa yakafanirwa panosvika April 15 kuti udzivise zvirango nemutero. Kushandisa IRS Inoripira, Kadhi revo, kana kuti posi chekero nezvinofungidzirwa. Kana ukaita uye ukatadza, chirango chako chikanga chako chako chaunobhadharo cha 25% (25%) kubhadharwa mutero.

Kufara Pashure Pokufa

Kana ukapotsa nguva yapamberi pasina kufutunurwa, zvirango zvinowedzera. Kukundikana kusvika kufaira i 5% yomutero usingabhadharwi pamwedzi (max 25%). Kana uri padanho rerest, hapana chirango nokuda kwokunonoka kunyora, asi unotadza kunyora bhandi racho kana usati wanyora musengwa mukati memakore matatu enguva yapakuvamba.

Danho 6: Rambai Muchinyora Zvamunenge Makaita Pachikara Makore Matatu

Pashure pokunyora, kuchengeta makopi edzokero yako netsivi. IRS inowanzova nemakore matatu kubva pamusi wekunyora (kana kuti makore maviri kubva pamutero womusi wabhadharwa, upi kana upi waizovapo) kuti uongorore kudzoka kwako. Kana ukasashuma mari inotakurwa nainopfuura 25%, hwindo rinotambanudzwa kusvikira kumakore matanhatu. Kubiridzira kunobvumira IRS kudzokera kunguva isingazivikanwi.

Zvokuchengeta:

  • Mitero yainge yapera kubhadharwa (mari nehurumende).
  • W-2 yose, 1099, uye mamwe matatimendi emari.
  • Mapepa anonyorwa nokuda kwemari inobviswa nechikwereti.
  • Zvikamu zvebhengi zvinoratidza mari kana kuti mari inochengetwa.
  • Tsamba neIRS.
  • Zvinyorwa zvokuwedzera kupi nokupi zvakachengetwa (Form 4868).

Chengeta makopi okunyama mushanduro dzemichina dzisina kudzivirirwa kana kuti kushandiswa zvisina kuchengeteka. Nokuda kwokuraswa kwakakotsekana, mapepa okudimbura mabhukwana pashure pokunge ganhuriro dzapera. Kana une bhizimisi kana kuti zvinhu zvokuchengetera mari, chengeta mapepa oupenyu hwechinhu chacho pamwe namakore matatu pashure pokuraswa.

Zvikanganiso Zvinozivikanwa Navose Zvokudzivisa

Kunyange vagara nebasa rokugadzira zvinhu vanokanganisa. Hezvino zvikanganiso zvinowanzoitika uye nzira yokuzvidzivisa nayo:

  • [ Kunonoka Pasina Chinowedzera: Nguva dzose nyorai kufutunuka kana musingagoni kusvitsa nguva. Chirango chokunonoka kuripirwa chakaderera zvikuru kupfuura chirango chokurongedza kwokupedzisira.
  • [ Mushumo wakarurama IRA kana kuti HSA Mipiro: Iyi zvitsama zvinofanira kuwirirana nezvinyorwa zvako zvesangano. Kunyanyosinhanha mitero inoparira kushambadzira.
  • [[[NHAU] Kukanganwa Kushuma Zvose Zvinowanikwa: IRS inogamuchira makopi ose ari W-2 na1099. Mari inodzorwa inotungamirira kukuripirwa kwakaderera nefariro.
  • Zviteshi zvisingachinjiki: zvinovimbisa kuti chinhu chimwe nechimwe chinotsamira pamunhu chinopfuudza ukama, zera, kugara, uye tsigiro. IRS inonzvera zvikuru zvinotaura zvinotsamira pamunhu.
  • [[FT:0] MaT Kheso: Zvikurukuru papepa kudzokororwa. Shandisa e-file kubvisa zvikanganiso zvesvomhu.
  • Kusaisa sigini paDzidzo Yako: Pepa rasainwa rinofanira kurangarirwa serisingashandi. Mafaira anofanira kupa siginicha yemichina (gore reAGI kana kuti PIN).
  • Kufara kushuma Maakaundi Enyika Isiri nyoro: Kana une maakaundi emari anopfuura $10,000, ungada kunyora FBAR (FEN FM 114) zvakasiyana. Zvikwereti nokuda kwezvisiri maayiri zvakakomba.
  • Kushora Tsigiro yeHurumende: Nyika zhinji dzinoda kudzokera kwakaparadzana. Kukundikana kunyora kudzoka kwehurumende kunogona kuguma nezvirango zvenzvimbo nefariro.

mhedziso

Kurongedza mitero panguva hakubviri kana uchida kudzivisa zvirango zvehurumende. Kupfurikidza nokunzwisisa mugariro wako wokuisa mudare, kuunganidza magwaro nokukurumidza, kuronda mutoo wakarurama wokuisa paji, kuhwirudzura nokungwarira kudzokera kwako, uye kusvitsa musi wakagadzwa (kana kuti kukudza), unoshandura basa rinotambudza kuva basa rinofanira kudzorwa gore negore. Shandisa zviwanikwa zvakarongwa pano /IRS FRAN, VITA, betsero yenyanzvi. Yeuka kuchengeta makopi echinhu chiri chose nokuda kwamakore matatu. Nokurongeka nokurangarira udzame, unogona kunyora nokuwana nechivimbo basa ripi neripi neripi rausingadzoregi raunoitwa nokukurumidza sezvinobvira.