Yintoni Imbopheleleko Yerhafu?

Amatyala erhafu kukuthabatha ngqo kumlinganiselo werhafu ofanele uyihlawule kurhulumente. Ngokungafaniyo nezihlaziyo zerhafu, ezinciphisa irhafu oyifumanayo, ityala lerhafu linciphisa imali yakho yerhafu yedola-dola. Umzekelo, imali yerhafu exabisa u-$000 (R7,000) iyakusindisa kwirhafu, kanti uhlawuli-mali-mali e-mali e-malini e-R1,000 ingakusindisa kuphela ukuba ukwisibiyeli esi-2%. Oku kwenza ii-mali zemali ezithelekisayo zibaluleke kakhulu. Iindidi ezimbini ezingundoqo azinakuhlawulelwayo kwaye azihlawulwa.

  • [[UMTL: 0] Amatyala erhafu angenakuhlawuleka: Ezi zinganciphisa irhafu yakho ibe yiqanda kodwa ungaze uyithobe ngaphantsi kwezero. Ukuba ityala likhulu kunetyala olibopheleleyo, ulahlekelwa yileyo igqithisileyo. Imizekelo iquka umntwana ne Credit yeCanceity kunye nexesha lobomi lokufunda Ityala.
  • [[UMTLA:0] Amatyala erhafu anokunconywa: Ezi zinganciphisa irhafu yakho ngezantsi kwe zero, okuthetha ukuba ufumana umahluko njenge shefu. Kwanokuba unetyala lokungahlawuli irhafu, ungafumana imali kwakhona. Ityala lerhafu eligawuliweyo (EITC) kunye netyala lokuThintela umntwana eliTyeliweyo linokubuyiselwa ngokwenxenye.

Ukuqonda lo mahluko kubalulekile xa uceba imali yakho. Ityala elincomekayo linamandla kakhulu kwiintsapho ezifumana imali ephantsi kuba zinganika imali nokuba akukho rhafu ibolekiweyo.

Indlela Amatyala Erhafu Ahluke Ngayo Kumthetho

Abanikeli berhafu abaninzi badidanisa amatyala erhafu nerhafu, kodwa asebenza ngokwahlukileyo. Ukuhlaziywa kwerhafu yakho elungisiweyo (AGI) phambi kokubala irhafu. Umzekelo, ukuba ufumana i-$50 000 kwaye uhlawula imali ehlawulwayo, uhlawulwa ngemali exabisa ii-$2 000 000 (R3,000). Noko ke, ityala liyinciphisa ngokuthe ngqo irhafu oyihlawulayo emva kokuba irhafu yakho ibhaliwe. Umzekelo, ihlawulo lwemali-$5,000 (R3,000) iyayinciphisa imali yerhafu, kodwa inika uncedo olungakumbi kwiimeko.

Ezinye izincomo zikwathi "ezingahlawulekiyo," intsingiselo zinganciphisa irhafu yakho ibe yiqanda. Ezinye zezo "ezinokubuyiselwa ngokugabadekileyo" njengetyala lerhafu lemveli, elikuvumela ukuba uthathe isabelo nokuba ngaba awunatyala lamali. Ukuthelekisa okuneenkcukacha, [[FLT: 0]] iintelekelelo kunye nentelekelelo iphepha linikeza ushwankathelo olucacileyo.

Iintlobo Zamatyala Erhafu

Kukho amakhulu eemali zerhafu zikarhulumente nezorhulumente, kodwa ezona ziqhelekileyo nezinempembelelo zidweliswe ngezantsi. nganye ifeza injongo ethile, ukusuka ekuxhaseni iintsapho ukuya ekukhuthazeni imfundo nokusebenza kakuhle kwamandla.

1. Ityala lerhafu elifunyenweyo (EITC)

I-EITC lityala elibikiweyo elenzelwe abasebenzi abafumana imali ephantsi abalinganayo. Umthamo uxhomekeke kwingeniso yakho efunyenweyo, kwimeko yokuqokelela, kunye nenani labantwana abafanelekileyo. Kunyaka wama-2024, ubuninzi betyala ukusuka ku-$600 (akukho bantwana) ukuya ku $7,830 (isithathu okanye abantwana abangaphezulu). Ukufanelekela, kufuneka uzuze ingeniso ngezantsi kwemiqobo ethile (umz. $59,899 yemali edityanisiweyo kunye nesithathu okanye ngaphezulu). IRS inikezela nge-$6(25:) edied toolAd tool(25,8) isixhobo soncedo lwe-ETCIT[[FLD:0] [12:1]

2. Ityala lerhafu yabantwana (CTC)

ICTC ifumaneka ngokuyinxenye kwaye ikhona kubaqeshwa abahlawuleli berhafu abanabantwana abaxhomekeke kubantwana abangaphantsi kweminyaka eli-17. Kangangowama-2024, ityala lifikelela kwii-$2,000 kumntwana ngamnye ofanelekeleyo, kunye ne-R2,700 ephinda-phinda-phinda-phinda-phindayo njenge-R2,7,7, kunye ne-Adrectory yoMntwana. Ityala liqala nge-AGI (R160 000 000). Kufuneka ube nenani elisebenzayo loKhuselo lweNtlalo lomntwana ngamnye.

3. Ukunconywa kwerhafu ye-Opporton American (AOTC)

I-AOTC igubungela iindleko zemfundo ezifanelekileyo kwiminyaka emine yokuqala yekholeji. Inika ubuninzi betyala lee-R2,500 kumfundi ngamnye, apho i-40% (kumalunga ne-R1,000) iphinde isetyenziswe. Ukuze ifaneleke, umfundi kufuneka abhaliswe ubuncinane ngesiqingatha sexesha kwiqondo okanye kwinkqubo yesatifiketi. Isigaba setyala elikwimali ephezulu yabaqeshwayo (AGI ngaphezu ko-R1, R4 000).

Ityala lokufunda kwixa elidala (LLC)

I-LLC ayinakuphinde ibuyiselwe kodwa ingaxelelwa inani elingenasiphelo leminyaka. Isebenza kumgangatho ophantsi, ukuphumelela, kunye neeklasi zobugcisa, kwakunye neezifundo zokuphucula ubuchule bomsebenzi. Ubukhulu betyala bungu $2,000 ngembuyekezo (ipesenti ye-$10 000 kwinkcitho efanelekileyo). Ingeniso isezantsi kune-AOTC: AGI ngaphezu kwe-$3,000 (R1,000) etshate kunye.

5. Ityala lerhafu yePremium (PTC)

Le mali yokuthenga ityala inceda abantu neentsapho ukuba bahlawule i-inshorensi yempilo ethengiwe nge-Indali ye-Health Memorence. Ityala lisekelwe kubukhulu bendlu kunye nengeniso enxulumene nomgangatho wentlawulo yobuhlwempu karhulumente. Ungayithatha ityala kwangaphambili (uyihlawule ngqo kwi-inshorensi yakho) okanye uyithenge kwi-inshorensi yakho. Ngokuqhelekileyo, kufuneka ube nengeniso yekhaya phakathi kwe-100% ne-400% yomgca wobuhlwempu.

6. Umntwana noXhosa oluthe tye

Elityala lingadluli linceda ukuhlawulela iindleko zabantwana abangaphantsi kwe-13 okanye abakhubazekileyo ukuze ukwazi ukusebenza okanye ukukhangela umsebenzi. Ngo-2024, ityala elikhulu lifikelela kwi-R2,50 kumntu ofanelekayo (iipesenti zee-$5000) okanye ii-$100 ngemali ezimbini okanye ngaphezulu (20% yemali eh1,00). Imali yokuthenga ngetyala iyancipha njengoko ingeniso inyuka.

7. Ityala logcino logcino (Ityala leminikelo lokulondolozwa ngokukhuselwayo)

Elityala lingaguquguqukiyo likhuthaza abantu abafumana imali ephantsi nephakathi ukuba bagcine imali encinane ukuze bathathe umhlala-phantsi. Ungayibiza ngeminikelo ku 401(k), i-IRAS, kunye nezicwangciso ezifanayo. Imali yetyala yi 10%, 20%, okanye 50% yeminikelo ukuya ku $2,000 (R1,000 ukuba ithenjiwe ngokunxulumene), kuxhomekeke kwi-AGI. Ngo-2024, ubuninzi betyala li-$2,000 (iiiiiiiiiiiiii-irandi ezimbini).

8. Ityala lemiqathango yemiqathango yemiqathango

Kwakhona eyaziwa njengetyala lerhafu yelanga, oku kugquma ipesenti yemali yokufakwa kwezixhobo ezisetyenziswayo, izitshisi zamanzi, ii-turbines zomoya, kunye nezinye izixokelelwano ezivuselelwayo ze-oksi ekhayeni lakho. Kwi-2024, ngu 30% wamaxabiso angenawo umlinganiso wedola (ongasetyenziswayo). Ungathwala naliphi na icandelo elingekhoyo kwiminyaka ezayo. Eli tyala alinakuphinde liphinde lifakwe kodwa libaluleke kakhulu kwimijikelo eluhlaza.

9. Ityala lerhafu lombane (EV) (Ityala leVhicle elicocekileyo)

Kwizithuthi zombane ezintsha ezibekwe kwinkonzo, ungafanelekela ukubolekisa ngemali efikelela ku-$7,500. Ukulingana kuxhomekeke kwindawo yokugqibela yendibano yesithuthi, amalungu ebhethri, kunye nokuxinaniswa kwamaminerali okunezolo. Imida yemali ekhoyo iyasebenza (AGI ukuya ku-R30,000 etshatileyo). Kukwakho netyala lokusetyenziswa kwee-EV (kufikelela kwii-$4,000) kunye nezithuthi zorhwebo. IRS igcina i-' uluhlu lwezithuthi ezifanelekileyo.

Iimfuno Zokonwaba

Ityala ngalinye linemilinganiselo ekhethekileyo omele uyifikelele. Ezi zinto zidla ngokuquka imida yengeniso, imigaqo yemali, iminyaka efunekayo, kunye nabaxhomekeke kwiimeko zobudala.

Imilinganiselo Yengeniso

Amatyala amaninzi alungise ingeniso epheleleyo (AGI). Umzekelo, iEITC inyuka kumanqanaba ahlukeneyo asekelwe kwinani labantwana. Ityala lerhafu labantwana liqala ukuphelelwa nge R1,50 000 ezitshatileyo. Amanye amatyala, njengetyala leSandisi, aneehempe ezincinane kakhulu zengeniso. Sebenzisa i- i-ISFUS SEAP [[[FLT: 1]] umncedisi weTSLAS] wokuthelisa irhafuthengi yakho.

Ubume Bokutyibilika

Amanye amatyala afuna iifashoni ezithile. Umzekelo, iEITC ikhona kwi-fall edityanisiweyo edityanisiweyo, intloko yendlu, ukufaneleka komhlolokazi (umhlolokazi), okanye ukungatshati. Ifamle yomtshato iyakukhulula ngokwesiqhelo kwiimali ezininzi zokuthenga. Umntwana noMphathi wesiChenqo ukwanemiqathango yokutshata ngokuchasene neemeko ezithile ngaphandle kokuba uhlangabezane neemeko ezithile (umz., ukwahlukene ngokwasemthethweni okanye uhlala ngokwahlukeneyo).

Ukwahlula Abantwana Neemfanelo

Uninzi lwezincomo zixhomekeke ekubeni nomntwana ofanelekileyo okanye oxhomekeke kumntu oxhomekeke kuye. I-IRS ichaza umntwana ofanelekeleyo ngolwalamano, ubudala, indawo yokuhlala, kunye neemvavanyo zokuxhasa. Kwityala leNkqutyana yomntwana, umntwana kufuneka abe neminyaka engaphantsi kweyi-17, umntwana wakho, intombi, umntwana wokukhulisa umntwana, umntakwenu, okanye umzukulwana, kwaye kufuneka ahlale nawe ngaphezu kwesiqingatha sonyaka. IEITC iquka abantwana abangaphantsi kweminyaka engama-19 (okanye abafundi abakwixesha elipheleleyo elingaphantsi kwama-24) kwaye ihlale ikhubazekile ngokupheleleyo nayiphi nale minyaka.

Indlela Yokuzibiza Ngokuba Netyala Lerhafu

Ukubiza amatyala erhafu kufuna ukulungiselela nokubhala isheki echanileyo. Le nkqubo idla ngokulandela la manyathelo, kodwa funda imiyalelo engqalileyo yetyala ngalinye.

Kudityaniswa Uxwebhu

Uqokelele zonke iirisithi neefomu ezifanelekileyo. Kwimali-mboleko yemfundo, kufuneka ifomu yemali yemali enikwe i-1098-T kwisiko lakho. Kwityala lomntwana, ufuna amanani okhuseleko loluntu lomntwana ngamnye. Kwityala le-EV, ufuna i-VIN kunye nengxelo evela kumenzi. Kwityala lamandla, gcina ii-ligisithi kunye nomenzi wezinto zokuyila. Cwangcisa yonke into ngaphambi kokuba uqalise ukubuya.

2. Gqibezela Iifomu Zerhafu Ezifanelekileyo

Luncomo ngalunye lufuna uhlobo oluthile.

  • [[UMTL: 0] EITC: IShedyuli ye-EIC (ukuba unabantwana abafanele)
  • [[UMTL:0] Ityala lerhafu yezingane:[[UMTL:1] IShedyuli 8812
  • [[UMTL: 0] Amatyala onikezelo (AOTC/LLC): Ifomu 8863
  • [[UMTL:0] Ityala lerhafu lePremium: Ifomu 8962
  • Umthi womntwana noxanduva oluqilima: Ifomu 2441
  • [[UMTL: 0] Ityala lokuGcina: Ifomu 8880
  • [[UMTL: 0] Amatyala angekho mthethweni:[[FTL:1] Ifomu 5695
  • [[UMTL:0] Ityala elicocekileyo:[[FTL:1] Ifomu 8936

Inkoliso yezixhobo zecomputer zerhafu iya kukunceda ukuba uyiphendula ngokuchanileyo imibuzo yodliwano - ndlebe.

3. Fakela Irhafu Yakho

Ungafakela ifayile yendlela yombane (ifayile) okanye ngeposi. I- e- filifing ikhawulezile kwaye icutha iimpazamo. I-IRS inkqubo ibuyisela malunga neentsuku ezingama-21 ukuba ugcino oluthe ngqo lukhethiwe. Ukuba ubiza ityala eliphindiweyo, e- ugcino oluthe ngqo yindlela ekhawulezayo ukufumana imali yakho. Ukukhangela iphepha, ukukhangela okuphindwe kabini odibanise zonke iifomu ezifunekayo kwaye usayina ukubuya.

4 Gcina Iingxelo Kwiminyaka Emithathu Ekwisilwanyana

I-IRS iqhele ukuba neminyaka emithathu ukusuka kumhla wefatyi ukuya kuphicotho lwembuyekezo. Gcina imibhalo yembuyekezo yerhafu yakho, onke amaxwebhu axhasayo, ii-lisithi, kunye neeposi. Ityala elibandakanya ukuthwala isantya (njengetyala lamandla), gcina iingxelo zexesha lokuhamba phambili lonke kunye neminyaka emithathu. Lungisa iirekhodi kwindawo ekhuselekileyo okanye kwindawo yokugcina iingxelo zemivo.

Iimpazamo Eziqhelekileyo Ofanele Uziphephe

Kwanabalawuli befayile abanonophelo bangatyibilika. Nazi iimpazamo ezisoloko zikho ezinokulibazisela umva wakho okanye zixhobise uphicotho-zincwadi:

  • Ukungakhangeli imida yengeniso ehlaziyiweyo:[[FLT: 1] Imida itshintsha minyaka le. Ukusebenzisa amanani onyaka ophelileyo kungakhokelela kwityala elingavumelekanga.
  • Ukulivala ukukhangela ukuba ityala liphindeke: amatyala angenakukunika i-freending ngaphaya kwetyala lerhafu elingaphelelanga.
  • Ukuqinisekisa ukunikezela ngamanani okhuseleko olusebenzayo lwentlalo: Iinguqu kunye namaqabane kufuneka abe nee SSN ezisemthethweni kwityala elininzi.
  • [[UMTL: 0] Ukusebenzisa iifomu ezingalunganga zonyaka werhafu: unyaka ngamnye werhafu ineefomu ezithile. Usebenzisa iifomu 2023 zobuhlaziyo 2024 kuzakubangela ukwaliwa.
  • Ukutyala iindleko anizange nizihlawule: kwimfundo, kuphela irhafu ehlawulwa nguwe kuphela, hayi imali ebolekiweyo eyahlulwa esikolweni.
  • [[UMTL: 0] Inika ixesha lommiselo: Ummiselo wommiselo wommiselo wommiselo ngu Aprili 15. Ifayile yolwandiso ukuba luyafuneka, kodwa phawula ukuba ulwandiso kwifayile asilulo ulwandiso lokuhlawula.
  • [[FLT: 0] Ityala lomgangatho wombuso ogobileyo: amazwe amaninzi anika ityala elongezelelekileyo elinokuhlisa iirhafu zikarhulumente. Hlola umnikelo worhulumente wakho.

Ukuwanciphisa Amatyala Erhafu

Ucwangciso olucwangcisiweyo lungakunceda ukuba ufumane ubuninzi bemali. Nanga amanye amacebiso:

  • [[UMTHLO: 0] Iindleko zokunyusa ityala: Ukuba usondele kumda wesigaba, qwalasela ingeniso ejongiweyo okanye nyusa izincopho zokwehlisa i-AGI kwaye ufanelekele ukutyala.
  • [[UMTL: 0] Ukwehliswa kwetyala: Amatyala amaninzi angabhaliswa kunye. Umzekelo, ningabiza ityala lerhafu yomntwana kunye nomntwana kunye noMcimbi weCandelo ukuba uhlangabezana nayo yonke imithetho.
  • [[UMTL: 0] Sebenzisa i-software yerhafu okanye ingcali: uvavanyo lwe-Software kuzo zonke iityala onokuzifanelekela. Iingcali zerhafu zihlaziywe kutshintsho.
  • [[NTL: 0] Ukubopha: Ukuba ufumana ityala elibuyisekayo njengeEITC, cinga uhlenga-hlengiso lweW-4 ukucutha nokufumana okuninzi kwijelo ngalinye lentlawulo, kodwa lumka ukungayihlawuli irhafu.
  • [[UMTL:0] Imali edityanisiweyo kwideskta: Iminikelo kwi-IRA yesithethe okanye 401(k) uthoba i-AGI yakho, isenokukufanelekela ukubolekisa okuninzi njengetyala logcino okanye i-EITC.

Ukutshintsha Kwemithetho Yokuhlawula Irhafu

Kwiminyaka yakutshanje, imithetho yerhafu itshintsha rhoqo.

  • 2021 unyuso lokwexeshana: Ityala lokuThwalisa umntwana landiswa ukuya ku $3,600 kumntwana ngamnye ongaphantsi kwesithandathu ne $3,000 ngokweminyaka engama-6-10,17, kwaye labuyiswa ngokupheleleyo. Oko kuphelelwe lixesha kodwa amanye amalungiselelo angabuya.
  • Ityala elicocekileyo elingutshintsho: Ukuqala 2024, ityala linemfuno ezingqongqo zokuvala ibhetri. Abathengi kufuneka bafumane ingxelo evela kumthengisi kwaye bahlangabezane nemali ehlawulwayo.
  • Uhlenga-hlengiso lwe-EITC: Uhlenga-hlengiso lokwehla komaxabiso ombane lwaminyaka le luchaphazela imida yengeniso kunye nemali yokuthenga ngesikweleti.
  • Ityala elingekho mthethweni: UMthetho wokuLawula iRecuction atyoza ityala lelanga kwi 30% yaza yanwenwa yayandisa ngo2032, yaza yavelisa iityala ezintsha zophicotho-manani amandla asekhaya kunye nogcino lwebhethri.

Soloko ukhangela i [[FLT: 0] irhafu yerhafu yeendaba zotshintsho ujonge ingcali yerhafu ukwenzela uhlaziyo lwangoku.

Amatyala erhafu yomgangatho kaRhulumente

Ukongezelela kwityala likarhulumente, uninzi lwamazwe anika ityala lawo.

  • Imo ye-EITC: Uninzi lweemeko (umz., California, New York, Illinois) lunika uguqulelo lwemeko ye-EITC, idla ngokuba yipesenti yetyala lengingqi yorhulumente.
  • [[Umntwana:0] namatyala athelekelelwayo: Amanye amazwe anika iimali ezithe kratya kwiindleko zokunyamekela umntwana.
  • [[UMTL:0] Amatyala okunika intlawulo yerhafu okanye izincopho zeminikelo kumalungiselelo angama-529.
  • [[UMTL:0] Amatyala anamandla anokuphinda avuselelwe: Amazwe anjenge New York neMassachusetts anika izikhuseli zawo ezikhuthaza ukugcinwa kwelanga okanye amandla.
  • Amatyala okulondolozwa kweSikhundla seSizwe: Ukulungisa iimpawu zembali, amanye amazwe anika iityala.

Isebe le-website yemali yelizwe lakho ukwenzela iminikelo ethile. I-software yakho yerhafu iza kusoloko ikwenza ufune imali yorhulumente ukuba ungena kwi-ofisi yakho yokuhlala.

Izixhobo neZibonelelo

Ukuze uhlale usematyaleni erhafu, sebenzisa ezi zinto zinokuthenjwa:

  • IMITHWALA NOMPHATHISWA - uluhlu olubanzi lwetyala lemali karhulumente.
  • [[UMTL: 0] I-IMPINXHOLO yerhafu encedisayo – isixhobo ukukhangela ukuba kulungile ukutyala okuthile.
  • I-IRS Upapasho 17 – isikhokelo esipheleleyo kwirhafu yengeniso yomntu ngamnye (ifihla zonke iityala).
  • [[UMTL: 0] Inkonzo yoMxhasi woMnikezeli [[FLT: 1]] – uncedo ukuba unemiba nge IRS.

Khumbula ukuba nangona la manqaku enikela ukhokelo, imeko yakho ekhethekileyo yerhafu isenokufuna icebiso lobuchule.

Ngokuqonda ummandla opheleleyo wamatyala erhafu qha ukusuka kumgangatho worhulumente noworhulumente ukuya kuhlobo olubuyiselweyo nolungabuyiselekiyo--- ungafaka ifayile ngokuzithemba kwaye unciphise imali yakho yokuhlawula irhafu. Qala ucwangciso, gcina iirekhodi ezilungileyo, kwaye faka ifayile ngokuchanekileyo ukungenelwa ngokupheleleyo kwityala ngalinye olifanelekeleyo.