Ukuqonda Isizathu Sokuba Kubaluleke Ukubhala Irhafu

Ummi ngamnye usebenzisana nenkqubo yerhafu, mhlawumbi ngeroll yerhafu, ngokwee-25 zemali eqingqiweyo, okanye ngokwe-asethi ephantsi yonyaka. Kunokuba ibe yimbopheleleko nje engekho ngqiqweni, iimbopheleleko zakho zerhafu zixhasa ngokuthe ngqo iindlela oqhuba ngazo, izikolo zakho ziyaya, ukhuseleko lwasemkhosini, iinkqubo zempilo kawonke-wonke, kunye nezinye iinkonzo ezixhasa ubomi banamhlanje. Kodwa abantu abaninzi abayazi kakuhle indlela inkqubo esebenza ngayo, oko bakufuna ukuba bakwenze, nendlela yokuwunciphisa ngokusemthethweni umthwalo wabo. Oku kukhokela oku kwandisiwe kuhamba kuzo zonke iinkalo ezibalulekileyo zeembopheleleko zakho zerhafuthensi, ukusuka kwimiba yerhafu ephambili ukuya kumalungiselelo aphambili okuthobela nokulungele ukuqhuba intlawulo.

Ukubaluleka Kokuhlawula Irhafu

Irhafu lingumsebenzi ongundoqo womsebenzi karhulumente kurhulumente, kwimimandla yasekuhlaleni. Ngaphandle kwengeniso yerhafu, izinto zikawonke-wonke eziyimfuneko njengesebe lomlilo, ugcino lwezengqalelo, ukhuseleko lwesizwe, ukhuseleko lwemekobume, kunye nenethi yokhuseleko lwentlalo. Ngaphandle kwemali, ukuhlawula irhafu kuqinisekisa ukuba uyakwazi ukufikelela kwezi nkonzo kwaye uphephe isohlwayo esisemthethweni. Okubaluleke ngakumbi, inkqubo yerhafu esebenzayo ivumela urhulumente ukuba andise oovimba bokuxhasa izinto, alondoloze uqoqosho ngexesha lobunzima, kunye nemali ekwandiseni ngethuba elide. Ukuqonda lo mongo obanzi uyakwazi ukuguqula ukukhokha irhafu kwimisebenzi eyoyikekayo engokoyikeka kwisenzo sokusebenza komthetho.

Indlela Irhafu Ebuxhasa Ngayo Ubomi Bemihla Ngemihla

Qwalasela intsasa eqhelekileyo: iindlela ozithabathayo emsebenzini zakhiwa zaze zagcinwa ngerhafu yepetroli kunye nerhafu yempahla. Iimpawu zesikolo kunye nezibane zezithuthi zixhomekeke kwirhafu yerhafu yasekuhlaleni. Xa umisa ikofu, ishekethi yemali yebharista ifanele ihlawule irhafu exhasa ukhuseleko lwezeNtlalo-ntle neMedicare. Zonke iintengiso, ukusuka kwintengiso yevenkile ukuya kwindlu ethengiswayo, ziquka irhafutheliswayo. Ukuqaphela ezi nkcukacha kunceda abemi babone iminikelo yabo njengenxalenye yorhwebo oluneyo kwintlalo-ntle yoluntu.

Iindidi Zerhafu Ngazo Zonke Iintlanganiso Zemimi

Irhafu ibanzi, kodwa abantu abaninzi kufuneka baqonde ezi ndlela zilandelayo. Udidi ngalunye lunemithetho, amanani, kunye neemfuno ezifunekayo.

Irhafu

Irhafu yemali ehlawulwayo yirhafu engqalileyo efumaneka kwingeniso, kuquka ingeniso, imivuzo, iinkcazo, iikhomishini, kunye nengeniso yeshishini. Irhafu yerhafu ye-U.U.S. i-colorado esetyenziswa kwinkqubo ehambela phambili: izahlulo eziphezulu zengeniso zihlawulwa ngokwexabiso eliphezulu. Kwi-2024, izibiyeli ezisemacaleni zisuka kwi 10% ukuya ku-3% ka-3%. Amazwe amaninzi afuna irhafuthezo, mhlawumbi irhafu yerhafu (umz. umz. umz., iKloradolado eneza elinonethi eziphezulu ukuya kwi 13.3%. Amanye amazwe akanayo irhafuzo zonke, njengeTexas kunye neFlorida. Ukuqonda ubume bakho (onke, abatshatileyo, abatshatileyo kunye, abatshatileyo, njalo) emisela ibhulayi.

Irhafu

Irhafu ethengiswayo yirhafu esetyenziswayo ekuthengeni iimpahla kwaye maxa wambi kwiinkonzo. Izixa-mali ziyahluka ngokwemeko nangamazwe, ukusuka ku-0 ngokweemeko ezifana ne-Oregon ukuya ngaphezu kwe-10% kwiindawo zeLouisiana. Ngokungafaniyo nerhafu yengeniso yemali, irhafu yerhafu iyabuyiselwa.

Irhafu Yempahla

Irhafu yempahla yi-armorterem (ngokoxabiso) kwizindlu zengingqi kunye nezinto zobuqu ezifana nezithuthi. Yiyo esisiseko semali yezikolo zikarhulumente, amasebe omlilo, amathala eencwadi, kunye neminye imisebenzi yasekuhlaleni. Amarhafu abekwa ngoorhulumente basekuhlaleni kwaye ahlolwa ngokwexabiso lepropati. Abanini-mali badla ngokuhlisa irhafu eyi-$10 000 yelizwe kunye nerhafu yasekuhlaleni (kuquka irhafu yempahla) xa ihlawuliswa ngokwentlawulo lwe-SALT. Ukuba wena ngokwempahla yokuqesha, irhafu yempahla idla ngokubhekiselele kwinkcitho yezoshishino.

Ikomkhulu Lifumana Irhafu

Xa uthengisa i-asterement ngaphezulu kunaleyo uhlawulelweyo, (enokuba amasheya, amaqhina, umhlaba, okanye ingeniso efihlakeleyo inzuzo yobukhulu.) ingeniso yexeshana (iingeniso ezigcinwe unyaka omnye okanye ngaphantsi) ihlawulwa njengengeniso eqhelekileyo. Ingeniso yexesha elide iyangenelwa kwixabiso eliphantsi: 0%, 15%, okanye 20% ixhomekeke kwingeniso yakho ehlawulwayo yerhafu. Ngaphezu koko, i-Net Subrence Invendition Infection Poclations yabangenisi be-3,8% ingasebenza kwingeniso efunyenweyo ephezulu. Ukuqonda amaxesha okuphatha kunye nezicwangciso zokuvuna irhafuthelo kungayinciphisa ngokuphawulekayo ityala yakho yemali enkulu.

Enye Irhafu Ebalulekileyo

  • Irhafu eqengqelekayo: Ukhuseleko loluntu (6.2% umqeshi, 6.2% umqeshi) kunye neMedicare (1.45% nganye, kunye nenye i-0.9% yabafumani-mali abaphezulu) ukuthatha umhlala-phantsi kunye neenkqubo zonyango.
  • [[UMTL:0] Irhafu ekhutshiweyo: ithenjiwe kwimpahla ezithile njengepetroli, icuba, utywala, kunye namathikithi enqwelo-moya. Ezi zisoloko ziqukwa kwixabiso lemveliso.
  • Isitati kunye neNgxowa-mali yeNkcitho: Irhafu yomhlaba karhulumente isebenza kuphela kumafa amalunga nee-$3 ezigidi (2024), kwaye irhafu yezipho isebenza ukudlulisa ityala lonyaka (R180 000). Abantu abaninzi abazenzi ezi.
  • [[UMTL:0] Irhafu-yobuxhakaxhaka: Idityaniswe umqeshi kunye nomqeshi amacandelo oKhuseleko loNtlalo kunye noMedicare, idityaniswe i-15,3% kwingeniso yomnatha, kunye nezincopho ezikhoyo.

Ngubani Omele Ahlawule Irhafu?

Ukubuyisa irhafu akuyonto ingokhetho kubantu abadala abaninzi. Umthetho jikelele: ukuba ingeniso yakho egqithisileyo ingaphezulu kwentelekelelo esezantsi yemeko yakho yokugcina ifashoni .$1600 ($1600) kubalawuli abatshayo ngo-2024 ($15,700 ukuba 65 okanye ngaphezulu), ii $200 zeshefu etshatileyo ngokudibanisa . Noko ke, nokuba ingeniso yakho ingaphantsi komqobo, ungafuna ukufaka uxwebhu ukuba unengeniso yomsebenzi wakho wemali engaphezulu ko-$400 (R1,4364), ufanele irhafunxa yokhuseleko lweNtlanganiso emalini, okanye ufanele ukutyala imali elingana netyala elihlawulelweyo njengetyala lerhafuyo. Iindidi ezingundoqo ziquka:

  • [[UMTH: 0] Abangeni bemali nerhafu erhoxisiweyo kwijelo ngalinye. Nokuba umqeshi wakho ugobe ngokwaneleyo, kufuneka ugcine ifayile ukuze uhlawule imali eninzi.
  • Abantu ngabanye abathe khuthuzwayo: Abasebenzi, abasebenzi, kunye nabasebenzi abakuphela kwabo kufuneka bafake iifayile ukuba ingeniso yomnatha ingaphaya ko-$400. Kufuneka bahlawule irhafu yengeniso yerhafu kunye nerhafu yengqesho yobuqu, ngokufuthi ngokuthelekelelwa kwikota.
  • [[UMTL:0] Abaxhasi:[ Abantu abafumana inzala, inzuzo, okanye ingeniso yamakomkhulu bangafuna ukuqokelela ifayile nokuba abanayo enye ingeniso. Imiqobo ethile kunye nohlobo lwengeniso ixhobisa iimfuno ze-spread.
  • [[UMNIKELI:0] Abasebenzi beshishini: amaqabane kumanyano, abaxhasi kwi S- corp, okanye abanikazi be-LLC kufuneka bahlawule irhafu kwingeniso yabo.
  • [[UMTL:0] Abathenjiweyo:[ Abantwana okanye abanye abaxhomekeke kwinkonzo abafumene ingeniso engaphezu kwe R1,600 okanye engasetyenziswanga ngaphezu kwe R1,50 [20024] kufuneka bafake iifayile zokubuya kwabo.
  • Nonurent Aliens: abafundi behlabathi lonke, abasebenzi, kunye nabanikazi abakhoyo e-U.S. kungafuneka ukuba bafake ifayile yeMbali 1040-NR, nokuba abanayo ingeniso ye-U.S.

Ukuba ungummi wase-United States okanye ummi osisigxina ohlala kwelinye ilizwe, umele ubhale phantsi irhafu ebuyiselwayo yaseUnited States uze unike ingxelo yengeniso ehlabathini lonke, nangona unokufanelekela iFoom Exclion Ex26 500 kwi-2024.

Inyathelo Ngenyathelo Ukukhokela Ukuhambisa Irhafu Yakho

Ukusebenzisa indlela elungeleleneyo kunciphisa iimpazamo noxinezeleko.

1. Hlanganisa Amaxwebhu Akho Erhafu

Uqokelelo lwamaphepha engeniso, iirejista zerhafu, kunye nezibhatazo zerhafu zeminyaka engaphambili. Iifomu eziqhelekileyo ziquka:

  • W-2 ukusuka kumqeshi wakho – ibonisa umvuzo kunye nokuzibamba.
  • 1099-neC yomsebenzi wenkululeko, 1099-INT ukwenzela inzala yebhanki, 1099-UDIV ukuze kufumaneke, 1099-B yentengiso, kunye 1099-K yokuhlawula intengiso yamakhadi.
  • Iingxelo zeendleko ezinokuhlawulelwa ezifana nenzala yendlu (Form 1098), inzala yabafundi (Form 1098 - E), iindleko zezonyango, iminikelo yezezentengiselwano neendleko zeshishini.

Khetha indlela yokutyibilika

Uninzi lwabarhafi lusebenzisa enye yezi ndlela:

  • Ifayile Ekhululekileyo ye-IRS Isoftware yerhafu ekhokelwayo kubaqeshi berhafu nengeniso etshintshiweyo ye $79 000 okanye ngaphantsi (2024). Efumanekayo kwi ii-IRS.gov[.
  • [[UMTL: 0] I-Software yerhafu engundoqo: Iinkqubo ezifana neTurboTax, H&R Block, kunye neTaxier Slayer yokuphatha iimeko ezinzima ze inikeze inkxaso yophicotho-zincwadi lwentlawulo.
  • I-Akhawunti kawonke-wonke (CPA) okanye i-Arhente eqengqelekisiweyo (EA):[[FT:1] Ifanele abanini shishini, abanikazi bemali, kunye nabantu abakwi-nethi enexabiso eliphezulu abaneetekhi ezininzi okanye iintengiso ezingaqhelekanga.
  • [[NTL: 0] Inkxaso yerhafu engenisayo (VITA): Uncedo lwasimahla ukuya kwibhata-bhata--nteleyo ephakathi, abantu abaneziphene, nabathethi bamaNgesi abalinganiselweyo. Fumana iindawo [ Umxhasi werhafu Uncedo[.
  • Iphepha lokuhambisa: Ungashicilela kwaye uthumele Ifomu yeposi 1040-SR (kubantu abakhulu) okanye umgangatho 1040, kodwa ulindele amaxesha amade okuqhubekekisa (6/8 iiveki okanye ngaphezulu).

3. Gqibezela Ukubuya Kwakho Ngokuchanileyo

Nayiphi na indlela, kufuneka unike ingxelo ngayo yonke ingeniso, uthe izinyuko ezisebenzayo kunye neetyala, kwaye uthenge irhafu okanye i-refoundation. Amagama akho okukhangela irhafu, amanani okhuseleko loluntu, amanani ebhanki ukwenzela imali ngqo, kunye nezibalo. Imiqobo eqhelekileyo: ukulibala ukutyikitya ukubuya kwe-e-efiled (usayino nge-PIN), ukuchaza okungachanekanga kakuhle ulwazi oluxhomekeke kwi-PIN, kwaye ukungaphumeleli ukuquka ummiselo wemibango ehlawulwayo.

4. Zithobe Kula Madabi

Ixesha elisesikweni lokugqiba ngu Aprili 15. Ukuba awukwazi ukuyifaka ifayili, cela ulwandiso oluzenzekelayo lwenyanga ezintandathu usebenzisa Ifomu 4868. ILUNQALEKILE: ulwandiso lunwebela ixesha kwifayile, hayi ixesha lokuhlawula. Usenatyala lenzala nezohlwayo kwirhafu engahlawulwayo emva koAprili 15. Thosa kangangoko kunokwenzeka ngomhla olindelekileyo wokunciphisa izigwebo (0.5% ngenyanga ngomlinganiselo ongahlawulwayo) kunye nomdla (umqikelezo omfutshane wexesha kunye no 3%).

5. Yiba Nendlela Efanelekileyo Yokuzinyamekela

Ukuba unamatyala, ungahlawula ngokurhoxa kwemali ye-elektroniki, ngokuhlawula ityala lekhadi (umsebenzi wetyala), okanye ngokukhangela. I-IRS inika izicwangciso zexesha elifutshane lokuhlawula (ientsuku ezi-180, kunye nomrhumo wommiselo) kunye nezivumelwano zethuba elide zamatyala amakhulu. Kwabo bangakwaziyo ukuhlawula, baqwalasele ukunikezela (ngokuhlengahlengisa okungaphantsi kwemali epheleleyo) kuphela ukuba udibana nemilinganiselo engqongqo yemali enzima.

Ukuchasa iMidlalo namatyala

Izixhobo zokuhlawula irhafu netyala zizixhobo ezinamandla zokunciphisa irhafu yakho. Ukuhlaziywa kwerhafu yakho kunciphisa ingeniso ehlawulwayo; ukuthabatha ityala le-dola-lar kwityala lerhafu. Ukuqonda umahluko kubalulekile.

Izixhobo zokunyusa nokuhlisa isantya ezisezantsi

Abanikazi berhafu abaninzi bathatha [ uhlaziyo oluqhelekileyo, oluthi ngo-2024 lube ngu-R2,000 (okanye), R2 200 (ifatyi elidityanisiweyo), ii-$1,900 (intloko yendlu). Ukuba zonke iincopho zento yakho zigqitha kwelo xabiso, ufanele unike. iincopho eziqhelekileyo ziquke:

  • Inzala yokufumana ityala elimalunga nee - R250 000.
  • Irhafu karhulumente neyasekuhlaleni (ingeniso okanye intengiso kunye nempahla) ifikelela kwii-10 000.
  • Inkcitho yonyango neyokumazinyo ingaphezulu kwesi-7,5% kwiAGI.
  • Iminikelo yokunikela (ikhasi okanye impahla).
  • Ukunganyaniseki nokulahlekelwa bubusela kwiindawo ezisezingxakini ezithe tye ngurhulumente.

Iingcebiso ezingentla-kumgca (AmaAdjustments ekufikeni)

Ezi zincopho zikhoyo nokuba uthathe uhlaziyo olusezantsi:

  • Iminikelo yemali egcinwe empilweni (HSA).
  • Iminikelo ye-IRA eqhelekileyo (ngokubhekiselele kwimali ehlawulwayo).
  • Inzala yemali - mboleko yabafundi yahlawula (ii - R2 500).
  • Imali ye-inshorensi yempilo ehlawulwayo kunye neminikelo yokuthatha umhlala-phantsi.
  • Iindleko zokufundisa (ezimalunga nee - R250 kubafundisi-

Amatyala Erhafu: Olona ncedo Luxabisekileyo

Amatyala ahlisa ityala lerhafu ngqo kwaye asenokubuyiselwa (ufumana okugqithisileyo njenge-intengiso) okanye anganakubuyiselwa (kuphela kwirhafu engenanti). Iityala ezingundoqo:

  • [[UMTL: 0] Ityala lerhafu elifunyenweyo (ETC): kubasebenzi abasezantsi ukuya kwingeniso ephakathi, ingakumbi abo banebantwana. Ngo-2024, eyona mali ikhulu yi $7,830 kubantwana abathathu okanye ngaphezulu. Inokuphinda ifumaneke.
  • [[UMTL:0] Ityala lerhafu yabantwana (CTC): Ukunyukela ukuya ku $2,000] kumntwana ngamnye ofanelekelayo engaphantsi kweminyaka eyi 17, kunye ne $1,700 ephinda-phindwe kumntwana ngamnye esebenzisa ityala lokuhlawula irhafu eMntwana.
  • Ityala leTroffic Task (AOTC) yaseMerika: Ukunyukela ukuya ku $2,500 kumfundi ngamnye kwiminyaka emine yokuqala yekholeji; 40% i-i-ayibhile.
  • [[UMTL: 0] Ityala lokufunda ixesha lobomi (LLC): Ukufikelela ku $2,000 [ii-$2,000] kubuyelo ngalunye (olungenakubuyiselwa) kwiminyaka engenasiphelo yemfundo ephezulu.
  • [[UMTL: 0] Umntwana kunye netyala lokuzinyamekela: Ngeendleko ezifunyenweyo ukuze ukwazi ukusebenza; ukufikelela kwii-$3,000 kwi-ii-$3,000 kwilungu elinye, i-$6,000 ngesibini okanye ngaphezulu.
  • [[NTLA: 0] Ityala lokususa ityala (Ityala Logcino): Kubantu abaphantsi ukuya kwingeniso ephakathi abafak ’ isandla kwi-akhawunti yomhlala-phantsi; ukuya kutsho ku $000 (okanye) / $2,000 (ebhatyiweyo).
  • [[UMTL:0] Amatyala angekho mthethweni: ukwenzela ukufaka iipali zelanga, iimpompo zobushushu, okanye izithuthi zombane, ezinemithetho ethile efunekayo.

Iimpazamo Zerhafu Eziqhelekileyo Nendlela Yokuziphepha

Kwanabalawuli befayile abanonopheleyo batyibilika. Nazi iimpazamo ezisoloko zikho kunye namayeza:

  • [[UMTL: 0] Iimposiso ze-Math: Ukongeza okanye ukukhupha ngokungalunganga. Sebenzisa i-software yerhafu okanye isalathisi sephepha esiphinda- kabini. Iikhompyutha ze-IRS ngokuzenzekelayo izibalo zeflegi azihambelani.
  • [[UMTL:0] Ukuphosa okanye ukungalungisi kokhuseleko loluntu: Transpose umvo, kwaye ukubuya kwakho kungalahlwa okanye kulibazise. Khangela i SSN yakho, iqabane lakho, kunye nexhomekeke kuwe wonke umqobo.
  • [[UMTL:0] Ukukhupha ingxelo yonke efunyenweyo: I-IRS ifumana imibhalo yayo yonke iW-2 kunye ne 1099. Ukutyhala nokuncinane kwe 1099-INT kungaxhobisa isaziso se-CP2000.
  • [[FLT: 0] Ukuzingisa kutyikityo nomhla: imposiso yefayile ibuyisela kuzakutyikityo lwe fayile kutyikityo lwe nyaka wangaphambili AGI okanye i khetha iPIN. Iphepha libuyisela utyikityo lwantlandlolo.
  • Imizekelo engalunganga yokungahambi kakuhle: izibini ezitshatileyo ziqokelela ngokwahlukeneyo xa zikwazi ukufaka ifayili ngokudibeneyo (ngokufuthi ziluncedo), okanye intloko yekhaya ngaphandle kokudibana “novavanyo olungagqibekanga” kunye“ nomntakwenu oxhomekeke ku-” neemvavanyo.
  • [[Umthetho:0] Ukukhangela amatyala kunye neZibhaka-bhaso: Abaholi berhafu abaninzi batsiba ityala logcino okanye iEITC kuba becinga ukuba abafaneleki. Sebenzisa i I-IRS Expactive Patterlog okanye khangela imithetho yokungangeni.
  • [[UMTL: 0] Ukuphatha Irhafu yelizwe: Ndilibala ukubuyisela umbuso xa ufunwa, okanye ukungaphumeleli ukulungisa imeko yakho ngokuyibamba ukuba uyahamba phakathi konyaka.

Imiphumo Yokungathobeli

Ukuqonda izigwebo ezinokubethelela kugxininisa ukubaluleka kokuqokelela irhafu nokuhlawula ngexesha elifanelekileyo.

Ubalo lokungaphumeleli ukuya kwifayile

5% yerhafu engahlawulwayo nyanga nganye ubuyile emva kwexesha, ubekwe kwi 25%. Ukuba ufaka ifayile ngaphezulu kweentsuku ezingama-60 emva kwexesha, isohlwayo esincinane yi-$285 (2024) okanye 100% yetyala lerhafu.

Ukungaphumeleli ukuhlawula

0.5% ngenyanga kwirhafu engahlawulwayo, ukuya kwi25%. Ukuba zombini izigwebo zisebenza kwinyanga enye, isohlwayo sokungaphumeleli ukuya kwifayile sicuthwa sisixa sokungaphumeleli-ukuya kunyuswa ukunqanda ukubala kabini.

Inzala

Inzala edityanisiweyo yonke imihla, inzala inyuka ukusuka kumhla wokuqala ofanelekileyo de kuhlawulwe ngokupheleleyo. Isantya sibekwe ngokwekota, ngoku malunga ne-8% kubantu ngabanye.

Amaxoki namaLevi

Ukuba awuzihoyi izibonakaliso ze-IRS, urhulumente angafaka i- ibherice ye-Federal Tax Lien echasene nempahla yakho, eyonakeleyo ityala lakho kwaye yenza kube nzima ukuthengisa okanye ukulahla izinto. u-'lev' lithathiso lokwenene lomvuzo wakho (malunga na 25% wemali ehlawulwayo) ii-akhawunti zebhanki, okanye impahla. IRS kufuneka ithumele isaziso sokugqibela sokuzibophelela kuLevy ngeentsuku ezingamashumi amathathu ngaphambi kokuba usebenze.

Ukugwetywa Kwezaphuli - mthetho

Ukusilela ngemposiso ukuqokelela irhafu, okanye ukuqhatha kungaphumela ekubeni kuhlawulwe imali emalunga nama-R250 000 kubantu abanokuba zii-$50 000 kwiinkampani) kunye nokuvalelwa entolongweni ukuya kwiminyaka emihlanu. Uninzi lwabangengoofako lufumana isohlwayo samakhaya kuphela, kodwa ukubhaqwa ngokuphindaphindiweyo okanye ngokungafihlisiyo kusenokubangela ukuba kuphandwe ulwaphulo-mthetho.

Ukulungiselela Irhafu Ngokuzimisela Unyaka

Abarhafu abakrelekrele abalindi de kube nguAprili. Qwalasela ezi ndlela zonyaka:

  • [[NTL: 0] Ukuzimela ngokungalungisi: Hlola W-4 nomqeshi wakho emva kweziganeko ezinkulu zobomi (umtshato, ukuzalwa komntwana, umsebenzi wesibini). Sebenzisa i IRS rhaxingx Ibopha umxhasi ukunqanda umlinganiselo omkhulu ofunekayo okanye omkhulu we-frend.
  • Yenza uqikelelo lobhatalo olubhaptiziweyo: Ukuba usebenze okanye ufumana ingeniso ebalulekileyo yotyalo-mali, hlawula 90% yerhafu yeminyaka edlulileyo okanye i100% yerhafu yeminyaka engaphambili (1010% ukuba AGI > $1500,000) kwimiqathango yekota (April 15, Juni 15, Septemba 15, Jan 15). Ukungaphumeleli ukuhlawula ngokwaneleyo kunganyusa isohlwayo serhafuno esiqikelelwa kwirhafuno yerhafu.
  • [[NTL: 0] Iminikelo yokwandisa umhlala-phantsi: Igalelo kwisithethe se-IRA, Roth IRA, 401(k), okanye i-SEP IRA ukubeka imali egciniweyo yodlwhotho ngexa unciphisa ingeniso ehlawulwayo (ngee-akhawunti zesithethe).
  • [[UMTL: 0] Ilahleko yerhafu: thengisa ngaphantsi kokwenza utyalo-mali phambi konyaka-mva ukwenzela ukunciphisa ingeniso yekomkhulu kunye nomlinganiselo we-$3,000 wengeniso eqhelekileyo.
  • Iingcebiso ezithe gqo: Ukuba iincopho ezithenjiweyo zento yakho zisondele kumgangatho wencopho, qwalasela ukunyusa iminikelo yoncedo okanye iindleko zezonyango kunyaka omnye ukudlula umqobo.
  • [[UMKQUBO:0] Inkcitho yeshishini loshishino lweTrack: abantu abaziqeshileyo kufuneka bagcine uludwe lwemigama eqingqiweyo, ukusetyenziswa kweofisi yasekhaya, izixhobo, kunye nezibonelelo kulo nyaka wonke.

Ukugcina iingxelo nomngcipheko wophicotho-zincwadi

I-IRS ingabuyisela uphicotho-zincwadi kwiminyaka emithathu emva kokufakela (iminyaka emithandathu ukuba ungaphantsi kwengxelo ufumana ingeniso ngaphezulu kwe 25%). Iimeko ezithile .ezifana nokubiza izincopho ezinkulu zoncedo, ukuxela ukulahlekelwa kweshishini, okanye ukuqeshwa kwemisebenzi yophicotho-zincwadi. / Ukuphinda-phinda uphicotho-phicotho-zincwadi. Gcina onke amaxwebhu axhasayo ubuncinane iminyaka emithathu, kwaye ngokunjalo amathandathu. Zigcine ngokwamanani okanye kwingxelo ekhuselekileyo yomlilo. Iingxelo zeqhosha:

  • Iikopi zembuyiselo yerhafu.
  • Irejista yemali netyala.
  • Ingxelo yebhanki neyokubhanki.
  • Iingxelo zokuthengwa kwempahla nokuthengiswa (ukuze kufumaneke intlawulo).
  • I-IRS okanye amaphondo.

Oovimba Boncedo Oluqhubekayo

Abasebenzi abaninzi abakhululekileyo okanye abaphantsi bangaba luncedo kulo lonke iqondo lokuthobela irhafu:

  • I-' I-website: Isiseko esingundoqo seentlobo, iimpapasho (njengesi-17 serhafu nganye), kunye nomncedisi werhafu osebenzayo. www.iirv.
  • Ifayile Ekhululekileyo ye FAYILI i-software yegama lesazisi ye-aftirfs ezifanelekileyo zabaqeshi berhafu. IIFAYILI YAMAFUNA.
  • [[UMTL: 0] VITA kunye nerhafu-Aide: Isicwangciso sasimahla sokulungiselela abantu abafanelekayo. Yiya Ivolunteer Inters yoMphathi-MALI (VITA) okanye [[FLT:]AAAAP COP-AIDE[]
  • [[INTLA: 0] Inkonzo yoMxhasi (TS): Iqela elizimeleyo le-IRS elinceda ababuthi berhafu ukujamelana nobunzima bemali okanye imiba engalungiswanga. www.taxtatervocate.ircates.gov
  • [[UMTHETHO: 0] Iintlangano zomsebenzi:[ Fumana iiCPA nge AICPA, abameli ababhalisiweyo ngeNAEA, okanye amagqwetha erhafu ngonxulumano lwemiqathango ye-bar yombuso.

Isiphelo: Ukwamkela Iimbopheleleko Zenu Zerhafu

Uxanduva lwerhafu yakho asingomthetho nje kuphela osemthethweni ofunekayo.