Kunzwisisa Zvikwereti Zvemutero Nezvazvinoita Pamukurumbira Wako

Nguva yokubiridzira inguva yokuronga uye mukana. Kuvazhinji vanobhadhara mitero, kusiyana kwemari inobhadharwa neyanokosha kunoenderana nokuti vanonzwisisa sei uye vanoshandisa sei zvikwereti zvemitero. Kusiyana nezvikwereti, zvinoderedza mari yako inobhadharwa, zvikwereti zvemutero zvinoderedza zvakananga chitsama chemutero waunobhadhara — $6. Izvi zvinoreva kuti mari inokwana $6 000 pamitero, pasinei zvapo nebhurokwa raunoshandisa. Zvikwereti zvemitero zvinogona kuva nzira imwe inoshanda zvikuru yokuwedzera nayo mari yako yemari yaunobhadhara kana kuti kuderedza mari yako.

Gore riri rose, mamirioni avabhadhari vakakodzera anofuratira zvikwereti zvavanokwanirisa nokuda kwezvikwereti, vachisiya mazana kana kuti kunyange zviuru zvamadhora patafura. IRS inoshuma kuti inenge 20% yavashandi vakakodzera vanokundikana kukumbira Incofied Taxis. Iyoyi inorashikirwa nemari ingagona kubetsera nerendi, bhangi, kana kuti mari yakachengetwa. Nyaya ino inoputsa zvikwereti zvemitero zvinokosha zvikurusa, inotsanangura mitemo inoita basa, uye inogovera nhano dzinoshanda kutaura zvawakafanirwa nazvo.

Chii Chaizvo Chinonzi Zvipo Zvemitero?

Mutero ideredzero ye $3 000 (Z $550) yemari yaunotambira. Kana une chikwereti che $3 000 mumitero ndokukwaniriswa nokuda kwechikwereti che $6 000 (Z $1 000 000) mutero wako unoderera kusvika ku $2 000. Kana chikwereti chacho chichidzorwa uye iwe une chikwereti che $500 (Z $5 500), IRS ichakutumira musiyano serendi.

Enzanisa izvozvo nechero yomutero, inongoderedza bedzi chitsama chemari inotapurwa pamutero. Kana ari mumwe munhu ari muboka remitero ra22%, mari ye $220 (Z $560) inochengetedza $620. Ikoko kunoita kuti zvikwereti zvive nesimba zvikuru nokuda kwemitero mizhinjisa.

Mitengo yechikwereti inopinda mumhatsa nhatu dzakasiyana, imwe neimwe ine mitemo yayo imene uye inobvira.

Zvikwereti Zvemitero Zvinobhadharwa

Kana uine chikwereti che $600 (Z $6 000) uye ukatora mari isingabhadharwi, unenge ubvisa mari yako inokwana $600 (Z $6 500) asi haugamuchiri mari yokuwedzera sechitsama che $4 400 (Z $4 000). Mienzaniso inobatanidza Child neChesterent Care Credit Credit uye The Lifetime Learning Credit.

Zvikwereti Zvinoda Kupiwa

Zvikwereti zvinorumbidzwa ndizvo zvinokosha zvikurusa nemhaka yokuti zvinogona kuguma nemutero kunyange kana usina chikwereti. Kana usina chikwereti uye ukwaniriswa nokuda kwe $6 000 inobhadharwa, IRS inokutumira cheki ye $6 000. Inhome Inhome for for for for for for for for for forod Child Taxis Ice) inowira muboka iri.

Zvikwereti Zvemitero Zvinoda Kukosha Zvishoma

Zvimwe zvinyorwa zvinobatanidza mativi ose ari maviri. Child Tax Creen, somuenzaniso, inodzokororwa murutivi. Pagore ra2024, $1 600 pamwana mumwe anogona kudzorwa (“Ichikwereti Chokuwedzera Chavana Chemari”), nepo zvimwe zvose zvisingazorapiki. Iyi shavo yakavhengana inobetsera mhuri nemari yakaderera iyo kana kusati kuri kudaro ingasabetserwa nechikwereti chisingachinjiki.

Zvikwereti Zvikuru Zvinogona Kukuwedzera

Pasi apa pane zvikwereti zvinokosha zvikurusa kune vanobhadhara mitero mumwe nomumwe mukati memwaka wokunyora pasi.

Mubayiro Wemutero Waibhadharwa Nevanhu Vane Mutoro (EITC)

EITC yakagadzirirwa nokuda kwemari yakaderera kusvikira kuinosvika kuidzoro yakaderera inoshanda vanhu vanoshanda nemhuri. Inogona kudzorwa zvizere, kureva kuti unogona kuwana mari kunyange kana usina mutero. Nokuda kwegore ra2024 remitero, zvitsama zvikuru zvechikwereti kubva pa $632 (hapana vana vanokwaniriswa) kusvikira ku $7,830 (vana vatatu kana kuti vanopfuura vanokwaniriswa). Miganhu inodzo inosiana kupfurikidza nomugariro wapamutemo nenhamba yavana.

Kuti ukwanirise, unofanira kuva wakawana mari kubasa kana kuti mabasa okuzvishandira, unosvika ganhuriro dzakati dzemari inotambira mari yemari (pakasa ne $11 000 muna 2024), uye nyorai mutengo wemutero kunyange kana usati uchidikanwa. IRS inopa chishandiso che [[FLT: 0] SEITC [[[FLT: 1]] kubetsera kusarudza kuva asina kutsarukana.

Mhosho dzinozivikanwa navose dzinobatanidza kutaura rumbidzo apo unenge uchiisa mubhedha wakarongeka (kana kazhinji kazhinji haubvumirwi) kana kuti kukundikana kubatanidza vana vose vanokwaniriswa vanosangana nenzvero dzezera.

Kubhadhara Mitero Yevana (CTC)

Child Taxis Creat Creenting inogovera $2 000 pamwana ari pasi pezera ramakore 17 pakupera kwegore. Kusvika ku $3 600 000 yaiyo inodzorwa seFooout Taxis Preses. Zvikamu zveDzimba zvinovamba pa $50 000 nokuda kwemafaira ari pasi pe 17 uye $50 000 nokuda kwemapepa akanyoreswa pamwe chete.

Mwana anokwaniriswa anofanira kuva anotsamira pauri, kugara newe kweinopfuura hafu yegore, uye kuva nenhamba yeSocial Security. Rubatso runonzi paShemeya 8812. Nokuda kwa2024, IRS haisati yaita chikwereti chose chose sezvayakanga yakaita muna 2021, naizvozvo mhuri dzine mari yakaderera zvikuru dzingasagamuchira chitsama chakazara che $6,500 inotapudzika. Nzvera [[FLT: 0]] mapeji echitomubereko reChild Risk nokuda kwokufutunura.

Kubhadhara Mutero Kwavana American Opportunity (AOTC)

AOTC inofukidza ndyiko dzedzidzo dzakakwaniriswa kwamakore mana okutanga edzidzo yepashure pekuvamba. Kwakafanira kusvika ku $2,500 pamushandi wakakodzera pagore, ne 40% yechitsama ichocho (kusvika $6 000) inodzokororwa. Chikamu chechikwereti nokuda kwevasaidzi voruwadzani vakagadziridzwa vakagadziridzwa mari yakawandisa (MAGI) kupfuura $80 000 ($160 000 nokuda kwevatsi vemibatanidzwa).

Ndyiko dzakakwaniriswa dzinobatanidza mari, mitero, uye zvishandiso zvekosi. Mudzidzi anofanira kunyoreswa inenge hafu yenguva mudhigirii kana kuti rugwaro rwepepa. Haugoni kuita zvose zviri zviviri AOTC neCommitive Learning Crever nokuda kwomudzidzi mumwe cheteyo mugore rimwe chetero. Shandisa Magiramu 8863 kukumbira iyi chikwereti.

Bvunzo Yokudzidza Muupenyu Hwose (LLC)

LLC ndeyezvidzidzo zviduku, zvakapindwa muchikoro, uye zvedhigirii rebasa, kubatanidza makosi okuwana kana kuti kuvandudza unyanzvi hwebasa. Rubayiro rwakafanira kusvika ku $2 000 padzokero remitero (kwete mudzidzi mumwe) uye harusati ruchizodzoreswa. Zvikamu zvemari zvinotanga pa $80 000 DI nokuda kwemadislation 160 000). Kusafanana neAOTC, hapana muganhu pachiverengero chamakore waunogona kuutaura, uye mudzidzi haadi kunyoreswa panenge hafu yeri renguva. Iwe unogona kutaura kuti LC nokuda kwechiverengero chisina kuganhurirwa chamakore.

Muchengetedzi (Kuchengetedzwa Kwemipiro Kunobhadhara)

Iyi chikwereti kazhinji kazhinji chaitsvakwa ndechevashandi vanotambira mari yakaderera neinoringana vanopa mipiro kugadziriro yokurega basa yakadai se 401(k) kana kuti IRA. Chikwereti chakafanira 10%, 20%, kana 50% yemipiro yenyu, kusvikira ku $2 000 nokuda kwemipiro imwe ye $$4,000 ($10 000 kana yakaroora pamwe chete). Chikwereti chikuru i $62 000 ($2 000). Mitengo inori ya2024: vagadziri vemafaira voga kusvika ku $37,2,250,375, misoro yemhuri yakaroora kusvikira ku $76,500. Chikwereti hachishati.

Kupiwa Mubayiro Womwana uye Wokutarisira

Kana uchibhadhara mumwe munhu kuti atarisire mwana anokwaniriswa ari pasi pemakore 13 kana kuti akaremara kuti ushande kana kuti kutsvaka basa, ungakwanirisa nokuda kweiri chikwereti. Nokuda kwa2024, chikwereti chikuru i 35% ye $3 000 mundyiko dzomunhu anokwaniriswa ($6 000 nokuda kwevaviri kana kuti kupfuura), kuchipa chikwereti chakawanda che $1,050 kana kuti $2,100. Chikamu chemari yako yakakwira sezvo mari yakagadziridzwa inokwira. Chikwereti hachizati chinobhadharwa.

Njere Dzinopa Simba Pazvinhu

Varidzi vedzimba vanoisa mapaipi ezuva, zvinopisa mvura zvinopisa, mhepo inopisa inopisa, kana kuti masero epeturu anogona kuwana chikwereti chakafanira 30% yemutengo. Hapana kepisi yedhora nokuda kweyakawandasa youchwende (masero ezuva ane muganhu). Chikwereti hachishaikwi asi chinogona kuendeswa mberi kumakore anotevera. Nokuda kwa2024, iyi chikwereti chinoshanda kumasangano akaiswa mubasa kusvikira ku2032 (panoteshinganwa). Kusimbisa kuti zvishandiso zvako zvinosvitsa mipimo yakatarwa. Ona [FT:0] DIS] ZVIS.

Unofanira Kuongorora Zvinodiwa Zvakakodzera

Kukundikana kusvitsa kunyange mumwe wako kunogona kukuita kuti usakwanirise.Usati wanyora, ongorora zvinotevera nokuda kwechikwereti chimwe nechimwe chaunoda kukumbira.

Miganhu Inovapo Nezvinogumiswa

Zvikwereti zvizhinjisa zvinoiswa muboka sezvo mari inowanwa inokwira. Somuenzaniso, Child Tax Cursure inovamba kuva nemari yakagadziridzwa yanosvika $20 000 yakagadziridzwa nokuda kwavasina kuroora. EITC ine masuo mana akasiana - siana emari inotsamira pakuti vana vangani. Nguva dzose shandisa matafura azvino uno eIRS nokuda kwegore romutero wauri kuisa. Kunyange wedzero duku yemari inowanwa inogona kuderedza kana kuti kubvisa chikwereti.

Miganhu Yomugariro Wokusangwarira

Mugariro wako wokuisa mubhengi unogona kutapura kuva nechikwereti. Vabhadhari vemitero vakaparadzana vanowanzova vasina kukodzera nokuda kweEITC, Child neChesternt Care Creace Crears, uye zvikwereti zvedzidzo. Musoro wemari yemba kazhinji kazhinji unopa zvikumbaridzo zvakakwirira zvikuru kupfuura mugariro mumwe. Kana wakaroora, kazhinji kazhinji kazhinji pamwe chete unogovera kusvika kwakanakisisa kuchikwereti, kunyange zvazvo kusati kuri nguva dzose — hwirudzura mugariro wako chaiwo.

Tsananguro Dzakatsamira Pachinhu

Zvikwereti zvakawanda zvinoda mwana anokwaniriswa kana kuti anokwaniriswa nehama yokunyama. IRS ine nzvero dzakasimba nokuda kwoukama, zera, kugara, tsigiro, uye kudzoka kwechikwata. Nokuda kweChild Tax Creasure, mwana anofanira kuva namakore 17, ane nhamba yeSocial Security, uye kugara newe kweinopfuura hafu yegore. Kana iri EITC, mwana anokwaniriswa anofanira kusvitsa mipimo yokuwedzera (ari pasi pemakore 19 kana kuti mudzidzi wenguva yakazara ari pasi pe 24, kana kuti akaremara zvechigarire, pasinei zvapo nezera),. Kana mwana asiri mwana wako wechikwanyina, ungangokwanirisa kana ari mwana anorerwa, muteveri, muteven’ina, kana kuti muzukuru womumwe.

Nzira Yokuti Unowana Nayo Zvipo Zvemutero Pakudzoka Kwako

Unofanira kuita nhano dzamaune kudzibatanidza mukuva kwako. Tevera uyu muitiro kudzivisa kupotsa.

Chengeta Magwaro Ose Anodiwa

Nokuda kweEITC, unoda chibvumikiso chemari inowanwa yakawanwa (Wû2s, 1099, marekodhi okushanda kwoga) uye ndaza yevana vanokwaniriswa nenhamba dzavo dzeSacutence nemisi yokuberekwa. Nokuda kwechikwereti chedzidzo, unganidza Mutengo 1098T kubva pachikoro chako uye marisiti nokuda kwemabhuku nemigove. Nokuda kweSareta’s Cercers, ratidza mashoko ako omupidhiresi. Nokuda kwaChild neChensent Crence, unoda zita, kero, uye mubhadhari wemari yomutero, uye mapepa echibhadharo.

Sarudza Mafomu Akarurama Emarongerwo Akaitwa Zvinhu

  • [[[FOL:0] FORm 8863 – Tsvaka reDzidzo (AOTC na LLC)
  • [[[ITSOK:0] 8812[[KAMU] – Chikwereti cheMitero yavana neChengetwo yoMutero waVana
  • [ Suctule EIC – Iwaiwanwa (sungirirai vana venyu)
  • [[FOL:0] Form 2441[[FLT] - Mwana ne Created Creentive
  • [[INDANGA] Form 8880[[FLT] – Kosarudza
  • [[[ITSO] FM 5695[[FLT] – Residential Energy Instives

Kana ukashandisa purogiramu yemitero, zvichakukurudzira kuti unyore mashoko ezvikwereti izvi.

Shandisa Zviwanikwa ZvepaIRS ZvepaIndaneti

Website yeIRS ine zvitsama uye peji yezvitsama zvine mirayiridzo ine udzame, FAQS, uye zvishandiso zvokupedzisa nazvo. Mutezo weEITC, Child Creat Conceptation Portal, uye Muteshi weMitemo weMitemo anogona kupindura mibvunzo chaiyo. Shandisa iyoyi pamberi pokunyora kuti udzivise zvikanganiso.

Zvikanganiso Zvinowanzokudyira Mari

Hezvino zvikanganiso zvinonyanya kuitwa nevanhu pavanokumbira mari yechikwereti — uye nzira yokuzvidzivisa nayo.

Kufuratira Miganhu Yakajekeswa Nemitemo

Mitemo yemitero inochinja. Mitemo yemari yeEITC, CTC, uye zvimwe zvikwereti inogadziridzwa gore negore nokuda kwokukwira kwemitengo. Rubatso rwawakakodzera nokuda kwegore rapera rungava nemisiano yakasiana gore rino. Nguva dzose nzvera IRS Publication 970 (Makomborero Edzidzo) kana kuti mirayiridzo yechimiro chakananga.

Zvikwereti Zvinodzorwa uye Zvisingakanganwiki

Chirango chinozivikanwa navose ndechokuti chikwereti chose chichaguma nemuuyo wemari yakaderera kana kuti usina chikwereti chemitero, chikwereti chisingadzoreki chakafanana neCherning Does kana kuti Child neChesterity Creentive Creatence hachisati chichizobudisa chitsama chinodzoserwa. Zvikwereti bedzi kana kuti zvishoma zvichakutumira mari. Rongai maererano neizvozvo — kana muchida kudzorerwa, chikwereti chakawanda chinodzoserwa.

Kukundikana Kutaura Kuti Vavimbiki Vose Vakakodzera

Kana une mwana anokamuranisa nguva yavo pakati pavabereki vaviri, kana kuti muraramisi asiri mwana wako wokubereka (munzira idi, muzukuru kana mwana wokurera), ungangokwanisa kuvataura.hwirudzura mitemo yeIRS pabata inopunza nokugara nokungwarira. Kana vaviri vanotera vakataura kuti vanotsamira pamwe chete, IRS icharamba kudzoka nokunzvera zvose zviri zviviri.

Kutarira Chipo Chomuponesi

Vashandi vazhinji vanotambira mari pakati havazivi kuti vanogona kuva nechikwereti cheSaver. Kana ukapa mushandirwi gadziriro (401k, 403b, SIMPLE IRA) kana kuti mari yegamuchidzanwa kana kuti Roth IRA, uye mari yako iri pasi pezvitsauko, sezvingabvira unokwanirisa. Chikwereti chinoderedza dollar yako yomutero (4569dollar pamusoro pemari inononoka kubhadhara mutero yaunotofarikanya mumipiro yokurega basa.

Kukanganisa Kwemasvomhu uye Kuverenga Zvisina Kururama

Zvikwereti zvemitero zvinowanzobatanidza nhamba dzakawanda: kuwedzera nhamba nezvindyiko, kushandisa masiteti, uye kuongorora muganhu mukuru. Chikanganiso chesvomhu chimwe chinogona kuderedza chikwereti chako kana kuti kumutsa chiziviso cheIRS. Shandisa mapurogiramu emitero kana kuti mavhiri maviri enziyo negiramu. IRS ichagadzirisa zvikanganiso zviduku, asi izvozvo zvinogona kunonotsa kugadzira.

Zvirongwa Zvokupedzisira Zvomwaka Wakaisvonaka

Ita rudungwe rwechikwereti paunenge usati wawana Wû2, uchifunga nezvezviitiko zvako zvoupenyu: mwana mutsva, mari yedzidzo, kuvandudza simba repamba, kana kuti mipiro yokurega basa.

Kana mamiriro ako ezvinhu akaoma — kuzvishandira woga, mabasa akawanda, vanotsamira pane zvinodiwa chaizvo — funga kushanda nenyanzvi yemitero inoramba iripo pamitemo yechikwereti.

Zvikwereti zvemitero ndechimwe chezvinhu zvine simba zvikuru mubumbiro remitero. Nokunyatsoronga uye kungwarira udzame, unogona kuva nechokwadi chokuti unochengeta madhora ose aunofanira kupiwa. Iyi nguva yokunyora, usasiya mari shure. Ongorora kuti unokwanisa, unganidza magwaro ako, uye taura zvakarurama zvako.