Chii Chinokosha Pamutero Unopiwa uye Nei Uchikosha?

Mutero unobhadharwa unomanikidzirwa kuiswa nehurumende pamari inowanwa navanhu vamwe navamwe, mabhizimisi, uye mamwe masangano. Inoita musimboti wemari yavose munyika zhinji. Mugari ari wose anowana mari (pabasa, mari inotengwa, kana kuti mabasa okuzvirongera amene) angadikanwa kubhadhara chikamu chemari iyoyo kuhurumende. Nyaya ino inofukidza mitero yemari inotambirwa, kuti inoverengwa sei, basa rayo munzanga, uye matanho anoshanda aunogona kutora kuti utarisire mitero yako nenzira inobudirira.

Kunzwisisa mutero wemari hakusati kuri bedzi pamusoro pokuwirirana nomutemo; kunokupawo simba rokuita zvisarudzo zvemari zvakaisvonaka. Kana ukaziva zvakawanda pamusoro pemari inobviswa, zvikwereti, uye zvikwangwa zvemitero, unogona kuronga zviri nani mari yako kuderedza pamutemo mutero wako. Nokuda kwoudzame hwehurumende, Interal Revenation Service [IRS:1] inogovera zviwanikwa zvakawanda nokuda kweU.S. vateredzi, nepo dzimwe nyika dzine zviremera zvavo vamene zvemitero.

Mabhadharo Anoita Mabasa Emitero: Nheyo Dzemitemo

Kunzwisisa nheyo idzi kuchakubetsera kunzwisisa mitero yako uye kuronga maererano nayo.

Gadziriro Yemitero Inofambira Mberi

Mugadziriro yemitero inofambira mberi, mwero yemitero inokwira sezvo mari inowedzera. Pfungwa ndeyokuti avo vanowana mari yakawanda vanogona kubhadhara mugove mukuru. Iyi ndiyo muenzaniso wetsika munyika dzakadai seUnited States, Canada, uye zhinjisa yeEurope. Somuenzaniso, muU.S., mwero yemitero i10%, 12%, 22%, 24%, 32%, 35%, uye 37% nokuda kwegore ra2024 remari inotambirwa, inoshandiswa kumitero yakasiana - siana.

Vavarira. Chikero cheTsvene

Vanhu vazhinji havanzwisisi kuti mwero wemitero inofambira mberi sei. Mwero wako wemitero [[FLT: 0] unoshandiswa kumari yako yokupedzisira inotambirwa, nepo mwero wemitero inobhadhara [ iavhareji yaunobhadhara pamari yako yose. Somuenzaniso, fashoni imwe inotambira $50 000 ingawira murrakeri ye 22%, asi mwero wayo unoshanda ungava munenge 12% nemhaka yokuti mabhuroko akaderera anotakurwa nemitero yakaderera. Kuziva izvi kunobetsera kubvisa rondedzero iyo ingagona kukuendesa mubhurari wakakwirira uye kunobva uchitora mari shomanene mumusha mubhadharo mutsva unodzo wakakwirira zvikuru.

Mari Yaibhadharwa Mutero Wakawanda

Haisi mari yose yaunotambira inobhadharwa. mari inobhadharwa ndiyo mari yako yose inobviswa mari dzakati nedzisingapiwi. Masangano anogona kubatanidza mipiro kumaakaundi okurega basa, mhindu yavadzidzi, uye ndyiko dzebhizimisi kuvanhu vanoshanda. Kunzwisisa chinokwanirisa semari inobhadharwa kunokosha zvikuru kukuva mabhadharo akarurama. Nhungamiro yeINHAPU] inoregedzerwa pamutero [ inopa kuputsika kwakajeka kwezvinokosha.

Mashandiro Anoita Mitero

Mabhuragisi emitero anoshandiswa pakubhadhara mitero pamwero wakati. Somuenzaniso, mumabhuroko 2024 eUnited States evateresi mumwe:

  • 10% pakuwana mari inosvika $1600
  • 12% pakuwana mari kubva pa $11 601 kusvikira ku $47 150
  • 22% pakuwana mari kubva pa $47 151 kusvika ku $100 555
  • Uye zvichingodaro.

Mubereko bedzi uri mukati mebhurarake rimwe nerimwe unobhadharwa pamwero iwoyo. Ndosaka kukwidziridzwa kunokuisa muboka rakakwirira kusingachinji mari yako yose yaunowana.

Chikonzero Nei Mitero Iriko: Kutsigira Kushandiswa Kwesangano

Hurumende dzinovimba kuti dziite mabasa ayo misika yevanhu inowanzotadza kuita zvakanaka kana kuti nenzira inoenderana.

  • Nheyo dzePublic: Migwagwa, mabhiriji, nhandare dzendege, uye gadziriro dzokufambisa vanhu dzinobhadharwa zvikurukuru kupfurikidza nemari yomutero. Zvinhu izvi zvinotsigira basa remari uye upenyu hwezuva nezuva.
  • dzidzo nezvoutano: zvikoro zvavose, mayunivhesiti, zvipatara, uye gadziriro dzoutano (seMedicare neMedicaid muU.S.) zvinotsamira pamadhora omutero. USA.gov dzidzo inotsigira mapeji inoratidzira kuti dzidzo yemari yemutero inotsigirwa sei nemari yemari yemari yemari.
  • Mambure okuchengeteka: Programs dzakadai seSocial Security, betsero dzourovha, yamuro yezvokudya, uye mabasa enyanzvi dzenguva refu anotsigirwa nemari kupfurikidza nemitero, kuchigovera chinopa micheto mukati menhamo yemari.
  • Kudzivirira nyika nekotsekano yavose:[[FLT] Mauri, mapurisa, madhipatimendi edziyo, uye mabasa ekurumidziro anotsigirwa nemari nemitero kuti vagari vemo vachengeterwe vakachengeteka.
  • [ Kugovera upfumi: Mitero inofambira mberi inoderedza kusaenzana kwemari inotambirwa kupfurikidza nokuda vatambiri vemari vakakwirira kupa zvakawanda, izvo zvinobetsera mabasa emari anobetsera mapoka anowana mari yakaderera.

Pasina mutero wemari yavanotambira, hurumende dzakawanda dzaizoshayiwa zvinhu zvokuchengetedza mabasa aya anokosha.

Zvikamu Zvikuru Zvokudzoka Kwako Mutero

Mitero inokweverwa inobatanidza kushuma mari yaunotambira, kukumbira mari inoderedzwa nechikwereti, uye kuverenga chitsama chezvikwereti zvawaifanira kubhadhara. Hezvino zvinhu zvinokosha mubhadhari ari wose anofanira kunzwisisa.

Mari Yakagadziridzwa Zvakanaka (AGI)

AGI imari yako yose inobva mumanyuko ose inobvisa mipimo chaiyo yakafanana nemipiro kuIRA yegamuchidzanwa, mhindu yavadzidzi, uye chikwereti cheantimoni (pazvibvumirano zvekare). AGI inokosha nemhaka yokuti zvitsaru zvizhinji nechikwereti zvakavakirwa pairi. ZVIS ZVIRATIRO ZVINORATIRAPO [ tsanangura kuti ungaverenga sei nhano nenhano yeAGI.

Servetuction v.

Vabhadhari vemitero vanogona kusarudza pakati pokutora mari yakatsarukana inotarwa kana kuti kuronga mari inotengwa [[[FLT]] yakadai semubereko wembango, hurumende nemitero yomunzvimbomo (kusvikira kumuganhu), uye mipiro yomutsa. Unofanira kutora chipi nechipi chinoguma nepepa rakaderera remitero. Nokuda kwa2024, chitsama chakafanira i $4,000 nokuda kwevakwanyina vaviri vakaroorana. Kana zvitsauriro zvako zvemari zvakaiswa pamwe chete.

Zvikwereti Zvemitero

Kusiyana nemari inoderedzwa (inoderedza mari inobhadharwa mutero), zvikwereti zvemitero zvinoderedza zvakananga mari yemari yemutero yemadhora eDhorth. Tsvakaro yezvikwereti inowanzosanganisira:

  • [[[FOT: 0] Chikwereti chemari yaigamuchirwa (ETC): nokuda kwavashandi vanotambira mari yakaderera kusvikira kuinosvika kupakati.
  • [[[NHAU] Mutero Wavana:[ nokuda kwavabereki vane vana vanotsamira.
  • [[[FLT: 0] Tsvaka rekuwana: rakadai seAmerican Opportunity Tax Crever ne Virvet of Lifetime Learning Crever.
  • Zvikwereti zvisingabvumiki: nokuda kwokuisa mapaneti ezuva kana kuti kumwe kunatsiridzwa kwesimba.

Kunzwisisa zvikwereti zviripo kunogona kuderedza zvikuru chikwereti chako. chikwereti chemari nependi dzepaji zvinogovera ndaza yakazara.

Kunyima uye Kufungidzira Kubhadharwa

Vatakuri vazhinjisa vanonyimwa mitero inonyimwa pacheki yemari inobhadharwa yakavakirwa paw-4 svolution. Vanhu vanoshanda vamene kana kuti avo vane mari yemari yemari inotambirwa vangada kuita mitero inofungidzirwa kuva mitero inofungidzirwa namativi mana kuti vadzivise zvirango. Vavariro ndeyokuripira inenge chitsama chakarurama mugore rose kuti urege kuva neringanidzo huru inodikanwa panguva yomutero, kana kuti dhesi huru (iyo zvikurukuru ichikwereti chemhindu kuhurumende).

Kukwidza Mutero Wako Kudzoka; Nhano Nenhambwe

Kubhadhara mitero kunogona kuita sekunototyisa, asi kuibvisa mumatanho anoita kuti ive nyore.

  1. unganidza magwaro ako: W-2 kubva kuvashandirwi, 1099 nokuda kwemari isiri yemari (mari, basa rehrandor), mariti nokuda kwendyiko dzinobhadharwa, uye marekodhi emitero ipi neipi inofungidzirwa inoitwa.
  2. Sarudza mutoo wedare: Vanhu vazhinji vanoshandisa zvirongwa zvepurogiramu yokugadzira mitero zvakadai seTurboTax, H&R Block, kana kuti zvisarudzo zvapachena zvakafanana neIRS Free File nokuda kwaavo vane mari pasi pe $73 000. Vamwe vanopinza bhizinesi reCPA kana kuti mumiririri akanyoresa, zvikurukuru kana mugariro wavo uchibatanidza basa ravo vamene, zvinhu zvokurenda, kana kuti mari inotengwa.
  3. [ batanidza kudzoka:[ shuma mari yose, taura zvitsama nechikwereti, uye verenga mutero wako. Iva nechokwadi chokuti wakarurama kuti udzivise kunzvera kana kuti zvirango.
  4. View nerevo: cherechedza masvomhu ako nemashoko ako. Fayili yekombiyuta nokuda kwokugadzirwa nokukurumidza uye kuderedza zvikanganiso. Nguva inowanzova April 15 (kana kuti zuva rebhizimisi rinotevera kana ikapera pakupera kwevhiki). Kana uchida nguva yakawanda, kukumbira futunuko uchishandisa Form 4868, asi cherechedza kuti futunuko yekuro yefaira haisati iri futunuko yokurisa kubhadhara neripo neripo nenguva yapakuvamba yokudzivisa zvirango.
  5. Ripira chikwereti chipi nechipi kana kuti kugamuchira chikwereti: Kana une chikwereti, bhadhara nezuva rakafanira kupfurikidza nedebit, kadhi rechikwereti, kana kuti mimwe mitoo. Kana uri wakafanira kubhadharwa, ichabudiswa neIRS, kazhinji kazhinji mumavhiki mashomanene kana yakachengetwa nekombiyuta nechemocrate.

Zvikanganiso Zvinozivikanwa Navose Zvokudzivisa

Hedzino zvikanganiso zvenguva dzose zvinogona kunonotsa kudzorwa kana kuti kudzorwa kwemibhadharo:

  • [[FT:0] Mhosho: Kuwedzera kwakapfava kana kuti kubvisa. Kushandisa purogiramu yemitero kunoderedza ngozi iyi.
  • [ Kushayisa mari:[[FT:1] Kukundikana kushuma 1099 kana kuti mari inoripirwa. IRS inogamuchira makopi eidzi zvimiro uye ichacherekedza kusawirirana.
  • Mukusaruramisa mamiriro ezvinhu: Kusarudza mugariro usina kururama (mutoo, musoro mumwe wemba) unogona kuchinja chikwaniridzo chemitero yako nechikwereti.
  • Vari kutsamira pachinhu chisingachinjiki: vanowana vanotsamira paIRS vanowirirana nemirau yezera, ukama, uye tsigiro.
  • Kukanganwa kusaina: Kudzoka kusina kusinwa hakushandi. E-filifiling inoda siginicha yemagetsi.

Kugadzirira Mutero Kwaungaita Kuti Gore Rive Nyore

Usamirira kusvikira April afunga nezvemitero.

  • Chengeta marekodhi akarongwa: Shandisa mafaira kana kuti chishandiso chemichina kuronda mariti, zvitatisiti zvebhangi, uye magwaro omutero mugore rose. Ikoku kunokosha zvikurukuru kana uchizvishandira iwe umene kana kuti une hova dzakawanda dzinowana mari.
  • Pasi pe W-4: Chinja kusaita kwako apo unowana zvinoitika zvoupenyu zvakadai seroorano, mwana mutsva, kana kuti basa rechipiri. Shandisa IRS Possor Compinging Estemitor paIS.
  • Mipiro yokurega basa yakakurisa: Mipiro kuIRAS na 401(k) inoderedza mari yako inobhadharwa mutero. Nokuda kwa 2024, ganhuriro yomupiro weIRA i $57 000 ($8 000 (kana zera ra50+), uye 401(k) muganhu we $3 000 ($30,500) kana 502.
  • Funga nezvokukohwa mitero: Kana ukava nerasikirwo yemari, unogona kutengesa zvinhu zvisingashandisi mari kuti utsigire mhindu dzako, kuderedza mutengo wemitero. Iyi mitoo inoshanda zvakanakisisa nomuridzi wemari.
  • Communist nyanzvi apo inodikanwa: Kana mugariro wako wakaoma /kuisa bhizimisi, kuisa mari muzvivako, kugamuchira mari yenyika yose(a nyanzvi yemitero inogona kuziva mikana yaungapotsa. [ Sangano reNational of Tax Professionals rinogona kukubetsera kuwana mugadziri akakwaniriswa.

Mamiriro Ezvinhu Chaiwo: Kuzvigutsa, Basa, uye Kuisa Mari Mumari

Kunzwisisa kuti mitero inoshanda sei panyaya iyi inokosha kunobatsira kuti munhu awane mari yakawanda.

Mutero Wokuzvitsigira

Kana uchishanda woga kana kuti mushandi, une mutoro wezvose zviri zviviri zvikamu zvemutero weSocial Security neMedicare, pamwe chete unonzi mutero wokuzvishandira. Nokuda kwa 2024, mwero wacho muhomwe i15.3% pambure inotambira mari inosvika $168,600, kubatanidza 2,9% pakuwana pamusoro payo. Unogona kubvisa hafu yemutero uyu pakudzoka kwako. Mukuwedzera, unofanira kuronga mari yebhizimisi yakadai semari inotarwarwa mari yehofisi yepamusha, migove, uye masitendi okuderedza mari yako yokuzvishandira. [[FGR: 0] .[FM]

Mari Yokutenga

Marongedzero, mhindu dzamahombe (kubva mukutengesa masheya kana kuti nzvimbo inogarwa), uye mubereko unobhadharwa mutero wakasiyana nemibhadharo. Nzvero dzemari yapanguva refu (dzinochengetwa rinopfuura gore rimwe) dzinobhadharwa pamwero wakaderera: 0%, 15%, kana kuti 20% kutsamira pamari yaunowana. Kuwana nguva pfupi kunobhadharwa semariwo zvayo. Kunzwisisa nguva kunogona kukubatsira kutengesa nguva kuderedza mitero. Uyewo, mubayiro ungava “mutengo” (unobhadharwa mari yakawanda zvikuru) kana kuti“ mari inobhadharwa yemariro.

Nyika Nemitero Yomunzvimbomo

Maruwa mazhinji nemimwe maguta anewo mitero yemari inotambirwa. Zvitsama nemirau zvinosiana zvikuru-kamwe . Dzimwe nyika dzine mwero wakati sandara, dzimwe dzine zvirango zvinofambira mberi, uye nyika nomwe (Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Wyoming) hadzina mutero wemari yapamutemo. Kana uchigara munyika ine mutero wemari, uchafanira kunyora muganhu wakaparadzana. [[FLT: 0]] Mitoro yemutiokisi yeruwa [

Kuronga Kuongorora Uye Nzira Yokudzivisa Nayo Kuongorora

Apo kunzvera kusina kurongwa kunoitika, zvimwe zvinhu zvinowedzera ngozi yako:

  • Kushuma mari isingaenzani neIRS (W-2s, 1099).
  • Somuenzaniso, mipiro yokuyamura inopfuura inodziviswa nemari yaunowana.
  • Vari mubhizimisi remari yakawanda (seresitorendi kana kuti salon) umo kushuma kusiri nyore.
  • Kuwana mari inopfuura US $20 000 000 (Z $250 000 000), iyo inonyandura nzvero yokuwedzera.
  • Kudzosa zvikanganiso kana kuti kusawirirana.

Kuderedza ngozi yokunzvera, shuma mari yose, chengeta mapepa akajeka, uye shandisa zviverengero zvine mufungo zvezvitsama. Kana ukagamuchira chiziviso chokunzvera, ramba wakadzikama uye pindura nokukurumidza nezvinyorwa. PIRS mutepi wokunzvera peji [[[FLT: 1] inotsanangura zvaunofanira kukarira.

Kupedzisa: Kudzora Upenyu Hwako Hwemitero

Mutero unobhadharwa rutivi rusingadzivisiki rwoukuru, asi kunzwisisa vanamakanika awo kunohushandura kubva pamusengwa unovhiringidza kuva basa rinodzorwa. Kupfurikidza nokudzidza kuti zvikwaniriso zvemitero, mari inobviswa, uye basa rechikwereti, unogona kuita zvisarudzo zvaunoziva mugore rose izvo zvinoderedza mutoro wako ndokudzivisa zvishamiso panguva yakarongwa. Chengeta zvinyorwa zvakanaka, gara wakagadziridzwa pamisiano yomutemo wemitero, uye usazengurira kutsvaka betsero yenyanzvi apo mugariro wako unooma. Mugari wemo mumwe nomumwe anobetserwa nenzwisiso yakasimba yemitero yazvo chete pamusoro pokubhadhara mugove wako wakanaka, asi uyewo pamusoro pokuchengeta zvakawanda zvaunowana. Quita nhasi nokunzvera kwako nokutakura, kuronga, uye kuronga mberi kwegore rinotevera. Kuedza kuchabhadhara gare gare gare gare.