Zvikwereti Zvemitero Chii?

Zvikwereti zvemitero zvinenge zviri kubvisa zvakananga pauwandu hwomutero waunofanira kubhadhara kuhurumende. Kusafanana nemitero inoderedza mari inobhadharwa pamutero, chikwereti chechikwereti chemari yomutero chinoderedza mari yako yemutero ye $6 000 nokuda kwedolar. Somuenzaniso, mari yechikwereti inokwana $200 (Z $66 000) inokuchengetedza mumitero, nepo mari inokwana $20 (Z $260) ingakuchengetedza bedzi kana uri mu2% bhurogiramu. Izvi zvinoita kuti zvikwereti zvive zvinokosha zvikuru. Masangano makuru maviri haadisikirwi uye anobhadhara.

  • [[[NUMBO] Zvikwereti zveMitero zvisingabhadhariki: Izvi zvinogona kuderedza mutero wako kuzero asi usingatongoitwi pasi pezero. Kana chikwereti chacho chikuru kupfuura mutero waunofanira kubhadhara, unorasikirwa nezvakawedzerwa. Mienzaniso inobatanidza Child ne Cresare Cresar neFiniver Learning Crend.
  • [ Zvikwereti zveMitero zvinodzorwa: Izvi zvinogona kuderedza mutero wako uri pasi pezero, kureva kuti unogamuchira musiyano serisingabhadharwi. Kunyange kana usina chikwereti, unogona kudzorerwa mari. Chikwereti cheIniverse Intelligence Intelligence Intelligence Icesswo yeChild Creatce zvinodzorwa murutivi.

Kunzwisisa uyu musiyano kunokosha pakuronga mari yako. Zvikwereti zvinoda kupiwa zvine simba zvikuru kudzimba dzinowana mari shoma nemhaka yokuti dzinogona kudzorera mari kunyange apo kunenge kusina mutero.

Kusiyana Kunoita Zvikwereti Zvemutero Nezvikoro

Vateresi vazhinji vanovhiringidza zvikwereti zvemitero nedereshi yemitero, asi zvinoshanda nenzira yakasiana zvikuru. Kuderedza mari yako yakagadziridzwa (AGI) usati waverenga mutero. Somuenzaniso, kana ukaita $50 000 uye ukatora mari inoripirwa mari inokwana $2 000 000 (Z $4 000 000), unobhadharwa pa $4 000. Zvisinei, mari yokubhadhara mari inoderedza zvakananga mutero waunobhadhara pashure pokunge mutero wako watengwa. Somuenzaniso, chikwereti chinoderedza mari ye $5 000 000 (Z $4 000).

Zvimwe zvikarakadzo ndezve "zvisingareviki," kureva kuti zvinogona bedzi kuderedza mutero wako kusvikira kuzero. Zvimwe ndezve "zvisingasaitiki," kufanana neChild Tax Crese, izvo zvinokubvumira kutora chikamu kunyange kana usina chikwereti. Nokuda kwokuenzanisa kune udzame, ZVIkwereti zvamazai neDHAWURO peji zvinopa ufakazi huzere.

Marudzi Ezvipo Zvemutero

Mazana echikwereti chemitero yomubatanidzwa nehurumende aripo, asi chinozivikanwa zvikurusa uye chinotapura chakarongwa pasi apa. chimwe nechimwe chinobatira donzo rakananga, kubva pakutsigira mhuri kusvikira kukukurudzira kushanda zvakanaka kwedzidzo uye simba.

Kuwana Mutero Waibhadharwa (EITC)

EITC ichikwereti chinogadzirwa nokuda kwavashandi vanowana mari yakaderera. Chitsama chinotsamira pamubereko wako wawashandira, nzvimbo, uye nhamba yavana vanokwaniriswa. Kugore ra2024, mari yechikwereti yakawandisa kubva pa $600 (hapana vana) kusvika ku $7,830 (vana vatatu kana kuti vanopfuura). Kuti ukwanise kuva nemari yaunowana pasi pezvikumba zvakati kuti (g. $59,899 yemabhadhari yeroorano nenhatu kana kuti vana vakawanda). IRS inogovera [[FLT: 0] mubetseri weETCIT] kuti ubatsire kusarudza mari yakaderera.

2 Kubhadhara Mutero Wevana (CTC)

CTC inopfuudzwa zvishoma uye inowanika kuvabhadhari vemitero vane vana vari pasi pemakore 17. Kusvikira muna 2024, chikwereti chacho chinokwira kusvika $2 000 pamwana anokwanisa, inosvika $1 700 000 inodzorwa seTheout Child Tax Creat. Phaseout inovamba pa $200,000 AGI (Z $50 000) nokuda kweroorano yakarongeka). Unofanira kuva nenhamba yeSacual Security yemwana mumwe nomumwe. Iyi ndiro itsigiro huru yemhuri dzinoshanda.

3. Chikwereti Chomutero cheAmerican Opportunity (AOTC)

AOTC inofukidza ndyiko dzedzidzo dzakakwaniriswa kwamakore mana okutanga ekoreji. Inopa chikwereti chikurusa che $2,500 pavadzidzi, 40% (kusvikira ku $6 000) yadzoserwa. Kukwanirisa, mudzidzi anofanira kunyoreswa inenge hafu yenguva mudhigirii kana kuti purogiramu yepepa. Chitsama chechikwereti chemitero yakakwirira zvikuru nokuda kwavabhadhari vemari yakakwirira (AGI iri pamusoro pe $90 000, $180 000 (Z $8 000). Unogona kuikuiswera makore mana omutero pamudzidzi akakodzera.

4. Kudzidza Muupenyu Hwose (LLC)

LLC haitsauswi asi inogona kunzi yagara makore asingaverengeki. Inoshanda ku makosi epamusoro, akapedza kudzidza, uye edhigirii, uyewo kosi dzokuvandudza unyanzvi hwebasa. Chikwereti chikuru i $2 000 padzokero remitero (20% ye $10 000 mundyiko dzinokwaniriswa). Zvikamu zvinouya zvakaderera kupfuura AOTC: AGI pamusoro pe $6 000 000 (Z $37 000), $38 000 000 (Z $46 000).

5. Chikwereti Chemutero (PTC)

Iyi chikwereti inopfuudzira kubetsera vanhu nemhuri kubhadhara inishuwarenzi youtano inotengwa kupfurikidza neInshuwarensi yeUnishuwarenzi yeUnishuwarenzi. Tsvas yakavakirwa paukuru hwemba nemari inofambiswa pamwero wemari yemari yehurumende. Unogona kutora chikwereti pachine nguva mberi (panobhadharwa kuinishuwarensi yako) kana kuti kuitora pabhadharo yako yomutero. Zvizhinji, unofanira kuva nemari yaunopiwa pakati pe 100% ne 400% yemari yourombo.

6. Mwana uye Mbiri Yokutarisira Yakakotsekana

Iyi chikwereti isingapfuudzi inobetsera kufukidza ndyiko dzetarisiro yavana vari pasi pe 13 kana kuti vakaremara kuti ugogona kushanda kana kutsvaka basa. Nokuda kwa2024, chikwereti chikurusa chinosvika $1,050 nokuda kwomunhu anokwaniriswa ($5 000 yendyiko) kana kuti $2,100 nokuda kwendyiko mbiri kana kuti dzinopfuura $20% dze $10 000). Chikwereti chechikwereti chinoderera sezvo mari inowedzera. Chinoparadzanisa neChild Teach Crece Creensurence uye chinogona kunziwa mukuwedzera nacho.

7 Kambani Yemuchengetedzi (Kuchengetedzwa Kwemipiro)

Iyi chikwereti isingapfuudziki inokurudzira vanhu vanowana mari shoma uye ine mwero kuti vachengete mari nokuda kwokurega basa. Unogona kuikumbira nokuda kwemipiro ku 401(k), IRAS, uye zvirongwa zvakafanana. Chitsama chechikwereti i10%, 20%, kana kuti 50% yemipiro inosvika $2 000 ($4 000) kana vakaroora pamwe chete), zvichitsamira paAGI. Muna 2024, chikwereti chikuru i $2 000 (Z $2 000) nokuda kwavose vari mumitengo).

8. Imba Yemagetsi Inochengetedza Zvinhu

Inozivikanwawo sechikwereti chemitero yezuva, ikoku kunofukidza chiverengero chendyiko nokuda kwokuisa nzvimbo dzinoiswa zuva, turbines dzezuva, uye dzimwe simba rinomutsidzirwa mumusha mako. Nokuda kwa 2024, 30% yendyiko isina ganhuriro yedhora. Unogona kuendesa chikamu chipi nechipi chisingashandiswi kumakore anotevera. Iyi chikwereti hachishaikwi asi chinokosha zvikuru nokuda kwemicheka yakasvibira.

9. Gwende rePurgne Vehicle (EV) Credit confix (Credit Vehicle)

Nokuda kwemotokari itsva dzamagetsi dzinoiswa mubasa, ungakwanirisa nokuda kwechikwereti chinosvika $7 500. Kufamba kunotsamira panzvimbo yokupedzisira yegungano remotokari, zvikamu zvebhatiri, uye michina inoshatisa. Mitemo inoringana inoshanda (AGI inosvika $100 000 yakaroora pamwe chete). Kunewo chikwereti nokuda kwemari inoshandiswa (kusvika $4 000) uye motokari dzezvokutengeserana. IRS inochengeta murongedzeri wemotokari dzinokwaniriswa.

Zvinodikanwa Zvokubvuma

Zvinowanzosanganisira miganhu yemari yemutero, muganhu wemashandiro aunofanira kuita, ganhuriro dzezera, uye kukwanisa kubhadhara mitero.

Miganhu Yemibayiro

Zvikwereti zvizhinjisa zvakagadziridza mari yakawanwa yakawandisa (AGI). Somuenzaniso, EITC inomira pamwero yakasiana- siyana yakavakirwa panhamba yavana. Child Tax Curve Isce inovamba kutsarukana pa $500,000 (Z $50 000 000 vakaroora). Dzimwe chikwereti, kufanana neSaver’s Credit, chine makepisi akaderera zvikuru emari inotambira. Shandisa [[FLT: 0]] MPITERS COS SERP SOURS[ kunzvera kusava kwako.

Mamiriro Ezvinhu Okunyepedzera

Mimwe mifanikiso inoda mirau yakananga. Somuenzaniso, EITC inowanika kurongedzero dzakabatanidzwa, musoro wemhuri, kukwanirisa chirikadzi (panongedzero), kana kuti kusaroora. Kuisa mapepa kwakaparadzana kunowanzokubvisa muchikwereti chakawanda. Child neChesternt Care Cresare inewo ganhuriro dzokuroora kana kuti kuroorwa zvakaparadzana kutoti wasvitsa migariro yakati (muchirevo, yakaparadzana pamutemo kana kuti kugara pakati pezvikwereti).

Kukwanisa Vana uye Vatendi

Zvikomborero zvizhinji zvinotsamira pakuva nemwana anokwaniriswa kana kuti anotarisirwa. IRS inorondedzera mwana anokwaniriswa kupfurikidza neukama, zera, nzvimbo yokugara, uye nzvero. Nokuda kweChild Tax Creasure, mwana anofanira kuva namakore ari pasi pe 17, mwana wako, mwanasikana, mwana wokurera, mwana wokurera, mutezo, kana kuti muzukuru, uye anofanira kugara newe kweinopfuura hafu yegore. EITC inowandidza rondedzero kubatanidza vana vari pasi pe 19 (kana kuti vadzidzi venguva yakazara vari pasi pe24) uye vakaremara zvechigarire vana vezera ripi neripi neripi.

Nzira Yokuti Zvikwereti Zvemutero

Muitiro wacho unowanzotevera aya matanho, asi nguva dzose rava mirayiridzo yakananga nokuda kwechikwereti chimwe nechimwe.

Rugwaro runodikanwa

Chengeta marisiti ose akakodzera nezvimiro. Nokuda kwezvikwereti zvedzidzo, unoda Mafomu 1098-T kubva kusangano rako. Nokuda kwemwana, unoda nhamba dzeSocial Security nokuda kwemwana mumwe nomumwe. Nokuda kwechikwereti cheV, unoda vini yemotokari nepepa kubva kuigadziri. Nokuda kwechikwereti chesimba, chengeta marisiti nemugadziri. Ronga chinhu chiri chose usati watanga kudzoka.

2 Pedzisa Mitero Yakarurama Kana Kuti Gadziriro

Rukudzo rumwe norumwe runoda chimiro chakananga.

  • [[[FURO:0] EITC:[ Sangano reEIC (kana une vana vaunokwaniriswa)
  • [[[ITSOGU] Mutero wavana:[ Sangano 8812
  • [ Throm yeIndasiro (AOTC/LLC):
  • [[[FOM] Premium Taxi:[ Chimiro 8962
  • [[[FRANT:0] Mwana neNdengedzo yakakomba:
  • [[Indaneti:0] Chisakiso 8880
  • [[IT] Tsamba: Mafomu 5695
  • [[[FRANT:0] Chivako chakachena: Chimiro 8936

Mapurogiramu akawanda epurogiramu yemitero achakutungamirira pamifananidzo iyi kana ukapindura mibvunzo yokubvunzurudza zvakarurama.

3. Chengeta Mutero Wako

Unogona kugadzira pakombiyuta (e-file) kana kuti nepositi. E-filifiling inokurumidza uye inoderedza zvikanganiso. IRS inoita kuti ive yakagadzirwa inodzoka mumazuva anenge 21 kana mari yakaiswa yakasarudzwa. Kana uri kukumbira chikwereti chinovakwa, e-audifish ndiyo nzira inokurumidza kuwana mari yako. Papepa, shekero yakapetwa kaviri yawakabatanidza zvimiro zvose zvinodikanwa ndokusaina kudzoka.

4 Chengeta Mazita Emakore Matatu Pachikara

IRS inowanzova namakore matatu kubva pamusi wedivi kusvikira kudzokororo. Chengeta makopi edzorero yako yomutero, magwaro ose anotsigira, marizi, uye tsamba. Nzungu dzinobatanidza kutakura mativi apasi (sezvikwereti zvesimba), chengeta mapepa enhambo yose inodzokera mberi pamwe chete namakore matatu. Ronga zvinyorwa munzvimbo yakachengeteka kana kuti muchengetero wemichina.

Zvikanganiso Zvinozivikanwa Navose Zvokudzivisa

Hedzino zvikanganiso zvinogaroitika zvinogona kunonotsa kudzorwa kwako kana kuti kunyandura kunzvera:

  • Kusanzvera miganhu yemari yakavandudzwa:[[FLT: 1] Mitemo inochinja gore negore. Kushandisa nhamba dzegore rapera kungatungamirira kuchikwereti chisingabvumirwi.
  • Kukanganwa kunzvera kana chikwereti chichidzokororwa: Zvikwereti zvisingabhadharwi hazvigoni kukupa chikwereti chinopfuura chemari yomutero.
  • Kufara kugovera nhamba dzeNhare dzenzanga dzinoshanda: Vatendi navakwanyina vanofanira kuva neSSN dzine chiremera nokuda kwezvikwereti zvizhinjisa.
  • [ Kushandisa zvimiro zvegore remitero zvisina kururama: gore rimwe nerimwe rine zvimiro zvakati. Kushandisa mafomu 2023 nokuda kwemitero 2024 kuchaparira kurambwa.
  • Kubhadhara chikwereti nokuda kwendyiko hauna kubhadhara: nokuda kwedzidzo, mari inongoitwa bedzi newe uchiverenga / kwete zvikwereti zvakabviswa kuchikoro.
  • Kuronga nguva: Nhevedzo yenguva yesekisi yokunyora ndiApril 15. Faira futunuko kana ichida, asi cherekedza kuti futunuko kurusa mafaira haisi purotendi yokuripa.
  • Tsvaka rehurumende risingabvumiki: Nyika dzakawanda dzinopa chikwereti chokuwedzera chinogona kuderedza mitero yehurumende. Nzvera zvipiriso zvehurumende yako.

Kuwedzera Zvikwereti Zvako Zvemitero

Kuronga zvakanaka kunogona kukubatsira kuwana mari yakawanda.

  • [[FT:0] Ndyiko: Kana uri pedyo neganhuriro yokumira, rangarira mari inodzorwa kana kuti kukurumidzisa mari kuderedza AGI uye kukwanirisa nokuda kwechikwereti.
  • [ Kuramba zvikwereti: Zvikwereti zvizhinji zvinogona kupiwa pamwe chete. Somuenzaniso, unogona kutaura zvose zviri zviviri Child Possource Ice naChild and Desident Care Crears kana ukaita mirau yose.
  • [[[MVURA] Shandisa purogiramu yemitero kana kuti nyanzvi:[[FL:1] cheki dzesoftware nokuda kwezvikwereti zvose zvaungakodzera. Vanamazvikokota vemitero vanogadziridzwa kana kuchinja.
  • [[FT:0] Kunyima:[[FT:1] Kana ukagamuchira chikwereti chakakomba kufanana neEITC, rangarira kuchinja W wako kuti uderedze ndokuwana yakawanda mumubhadharo mumwe nomumwe, asi ngwarira kusabhadhara mutero.
  • [[FTL:0] Chibvumirano kukurega basa: Mipiro kuIRA yegamuchidzanwa kana kuti 401(k) kuderedza AGI yako, ingagona kukukwanirisa nokuda kwezvikwereti zvakawanda seIvhorn's kana kuti EITC.

Kuchinja Kwemitemo Yechikwereti Chemutero

Mitemo yemitero inowanzochinja.

  • 2021 wedzero dzechinguvana: Child Tax Cursurence yakawedzerwa kusvikira ku $3,600 pamwana ari pasi pamazera 6-17, uye yakadzoreswa zvizere. Iyo yakapera asi zvimwe gadziriro dzingadzoka.
  • Kuchinja kweVhihicle Credit:[[FL:1] Kutanga 2024, chikwereti chine zvinodikanwa zvikuru zvokushatisa bhatiri. Vatengi vanofanira kuwana mushumo kubva kumutengesi ndokusvitsa ganhuriro dzemari.
  • [[FT:0] gadziridzo: Kugadziridza kukwira kwemitengo kwegore negore kunotapura ganhuriro dzemari inotambirwa uye zvitsama zvechikwereti.
  • Zvikwereti zvisingatenderwi: Gwaro reRecuction Act rakawedzera chikwereti chezuva kuva 30% ndokuchitambanudza kusvikira muna 2032, uye rakasuma zvikwereti zvitsva zvekunzvera magetsi epamusha nokuchengeta bhatiri.

Nguva dzose nzvera mutero wenhau dzokuchinja [ ndokubvunza nyanzvi yomutero nokuda kwechimuchina chazvino uno.

Zvikwereti Zvemitero Zvinotarisirwa neHurumende

Mukuwedzera kuchikwereti chehurumende, nyika zhinjisa dzinopa chikwereti chadzo dzimene. Zvikwereti zvavose zvehurumende zvinobatanidza:

  • Chikamu cheEITC: Nyika zhinji (mutoo, California, New York, Illinois) dzinopa shanduro yehurumende yeEITC, kazhinji kazhinji chiverengero chezvikwereti zvehurumende.
  • [ Vana neChesterent Care Cressures:[ Dzimwe nyika dzinogovera chikwereti chokuwedzera nokuda kwendyiko dzokutarisira mwana.
  • Indaneti: United States ingapa zvikwereti zvemutero kana kuti zvitsananguro zvemipiro kugadziriro 529.
  • Trices dzesimba dzinodzokororwazve: Sa New York neMassachusetts dzinopa zvipfeko zvadzo zvimene zvezuva kana kuti simba.
  • Indaro dzinochengetedzwa dzechiProtoic: Nokuda kwokugadziridza zvinhu zvenhau, dzimwe nyika dzinopa zvikwereti.

Nzvera nzvimbo yepawebsite yemari yehurumende yako nokuda kwezvipiriso zvakati. Purogiramu yako yemitero inowanzokusunda kuwana zvikwereti zvehurumende kana ukapinda muugaro hwako.

Zviwanikwa Nemidziyo

Kuti urambe uri pamusoro pezvikwereti zvemitero, shandisa izvi zvinhu zvakavimbika:

  • IRS & Dducations - ndaza yakakwana yechikwereti chehurumende.
  • [[[ITSOURO] MUBATSIRI WEMUTSHU Unobata pamwe chete[[K.1] - chishandiso chokunzvera chikwereti chaicho.
  • IR PICT 17 - - yakakwana nhungamiro kumutero wemari wehurumende wemari yaunotambira (chinofukidza zvikwereti zvose).
  • [[[NHAU]] Basa roMutsigiri - zvinobatsira kana une nharo neIRS.

Yeuka kuti kunyange zvazvo nyaya idzi dzichipa mazano, mamiriro ako ezvinhu ezvemitero angada zano renyanzvi.

Kupfurikidza nokunzwisisa nzvimbo yakazara yechikwereti chemitero() kubva kumwero yehurumende nehurumende kusvikira kumarudzi anodzokororwa neasingachinjiki(w) unogona kunyora nokuwedzera nechivimbo ndokuderedza mari yako yomutero. Kurumidza, kurumidza kuchengeta mapepa akanaka, uye mafaira nenzira yakarurama kushandisa chikwereti chiri chose chaunokwaniriswa nokuda kwako.