Ukwazi ixesha elipheleleyo lerhafu kunye neembopheleleko zakho zemali yenye yezona misebenzi zibalulekileyo onokuyiphuhlisa. Ukungawufumani umlinganiselo okanye ukungawukhathaleli umsebenzi obalulekileyo ungakhokelela kwisohlwayo esibiza imali eninzi, inzala ehlawulwayo, kwanophicotho-zincwadi. Kodwa abemi abaninzi abaluqondi uludwe lwemihla kunye nemisebenzi esebenzayo kubo. Eli nqaku linika ukonakalisa okupheleleyo kwemiqathango yerhafu, uhlobo lwerhafu, iindiso, iimbopheleleko zomhlawula irhafu, imiqobo eqhelekileyo, kunye noovimba abangcono bokukunceda uhlale uthobekele phantsi. Nokuba ungumhokeli wexesha lokuqala okanye umbhatothisi onobuchule, ukuhlala unolwazi kuya kukulondoloza imali noxinezeleko.

Ukubaluleka Kokuqokelelwa Kwerhafu

Ukuthotyelwa kwerhafu kusisiseko sorhulumente osebenzayo. Ngaphandle kwentabalala yengeniso yerhafu, iinkonzo zikarhulumente ezichanabileyo bezingaphela.

Ngaphandle kwemfuneko esemthethweni, ukuhlawula irhafu epheleleyo kuxhasa abantu ngezindlela ongaziqapheli ngokukhawuleza. Nazi izizathu eziyintloko ezibangela ukuba ummi ngamnye athobele irhafu:

  • Ukusungula iiNkonzo zikaRhulumente: Irhafu ehlawulwa izikolo, amapolisa kunye namasebe omlilo, izibhedlele zikawonke-wonke, iipaki, kunye namathala eencwadi. Ezi nkonzo ziphucula ngokuthe ngqo umgangatho wobomi.
  • [[Umthetho:0] Isakhiwo esingenisa intengiso: Ukwakhiwa nokulungiswa kweendlela, iibhulorho, izikhululo zenqwelo-moya, iinkqubo zamanzi, kunye neenkqubo zothutho lukawonke-wonke. Utyalo-mali olungenazibonelelo lukhuthaza unyuko lwezoqoqosho nokhuseleko.
  • I-Promoting Social Welfare: IiNkqubo ezifana noKhuselo loNtlalo, iMedicare, i-inshorensi yokungaqeshwa, kunye noncedo lokutya zixhaswa ngemali yerhafu. Ezi nkqubo zinceda abantu ababuthathaka kwaye zinika umnatha wokhuseleko ngexesha lamanqam
  • [[UMTHETHO:0] Imisebenzi kaRhulumente elondolozwayo:[ Ingeniso yerhafu ihlawula inkqubo yokugweba, amaqumrhu owiso-mthetho, kunye namaqumrhu alawulayo anyanzelisa imithetho kwaye akhusela amalungelo abemi.

Ngokwe [[NTL:0] Isiseko se-Tax, umndilili waseMelika wahlawula malunga ne-R35 000 kwirhafu karhulumente, karhulumente, kunye neyasekuhlaleni ngo-2023. Ukuqonda apho imali ihamba khona kunceda ababuyiseli-mali baqonde ukubaluleka kokuzalisekisa iimfuno zabo.

Imiyalelo Ephambili Yerhafu Awukwazi Ukuphoswa Yiyo

Ixesha lokunika ixesha liyahluka ngokwemeko yakho yefashoni, isakhiwo seshishini, nendawo yommandla. Kodwa, imihla emininzi iyasebenza kuninzi lwabarhafu. Ukungalufumani olu suku lungaphumela kwimiqathango yokungaphumeleli ukuya kwifayile (ukuya kwi 5% yerhafu engahlawulwanga ngenyanga) kunye nezohlwayo zokungahlawulwa (0.5% ngenyanga).

Umntu Omnye Ongurhulumente Ufumana Irhafu Efileyo

  • [[UMTL: 0] Apreli 15 (okanye usuku olulandelayo loshishino): Lo ngumhla oqhelekileyo wokugqiba irhafu yakho yorhulumente yonyaka ongaphambili. Isebenza kubantu abaninzi, kuquka ipropinetis ezincinci kunye nelungu elinye le-LLC.
  • Ixesha lokugqiba lokuququzelela 15 (isiphelo se-menu): Ukuba ufaka i IRS Ifomu 4868 ngoAprili 15, ufumana ulwandiso oluzenzekelayo lwenyanga ezintandathu ukubuyisela ifayile yakho. ISANDLE sokwandisa kuphela umhla wesehlo, hayi umhla wakho wokuhlawula. Kufuneka uthelekise kwaye uhlawule nayiphi irhafu ekweletayo ngoAprili 15 ukunqanda isohlwayo.
  • [[UMTL:0] Januwari 31: Abaqeshi kufuneka banikezele iifomu zeW-2 kubaqeshwa kunye neefomu ze 1099-NEC kwizakhiwo ezizimeleyo ngalo mhla. Ufuna la maxwebhu ukugqiba ukubuya kwakho.
  • [[[NTL:0] April 15, Juni 15, Septemba 15, kunye noJanuwari 15 (iirhafu zerhafu): Ukuba uqeshwa okanye unengeniso eninzi ongayibambiyo, kufuneka uhlawule irhafu eqikelelweyo ngokwekota. I-IRS ifuna le rhafu ukuhlawula irhafu nerhafu yokuziqesha kuwo wonke unyaka.

Imeko kunye nemigca yabafi bangaphakathi

Uninzi lwamazwe anemiqathango yerhafu ehambelana nomhla ka-Aprili 15, kodwa eminye iyahluka. Umzekelo, ixesha lokufika kwelaseHawaii likwanguAprili 20, kwaye uDelaware nguAprili 30. Ukongeza, amaxesha okubhatalwa kwerhafu ahlukene ngokwephondo. Ngamaxesha onke jonga isebe le-webhsayithi yemali yelizwe lakho ukuqinisekisa ukuba irhafu yeshishini lihlawula rhoqo ngenyanga, ngekota, okanye ngonyaka kuxhomekeke kwinani lakho lentengiso.

Iimeko Ezikhethekileyo

  • [[UMTL: 0] Abasebenzi abasebenzayo: Amalungu emikhosi exhobileyo asebenza kummandla wolwano angalufanelekela ixesha elipheleleyo.
  • [[FLT: 0] Amaxhoba e-' I-IRS isoloko inika ulwandiso lwabahlawuleli kwiindawo ezibhengezwe ngokweentlekele. Khangela i-website ye-IRS ukwenzela izibhengezo zoncedo zangoku.
  • [[UMTL: 0] ibuyisela ifayile- yefayile: Ukuba uphosa ixesha ngaphandle kolwandiso, ifayile ngokukhawuleza kangangoko kunokwenzeka ukunciphisa izisohlwayo.

Iindidi Zerhafu Zonke Iintsebenziswano Ezifanele Zaziwe

Ukuqonda uhlobo ngalunye lwerhafu kukunceda ucebe izinto ongazilindelanga.

Irhafu

Le yirhafu ehlawulwa kwingeniso yakho evela kwimivuzo, imivuzo, iinkcazo, iikhomishini, ingeniso yokuziqesha. Irhafu yengeniso yemali enikwa intlawulo ephezulu ithengwa ngexabiso eliphezulu. Abaqeshwa abaninzi bafumana irhafu kwirhafu esekelwe kwi-Fumment W-4. Abantu abaqeshwayo kufuneka bahlawule yomqeshwa kunye nomqeshi we-Mbutho nerhafu ye-Medicaraliare (irhafu yerhafu yengqele) kunye nerhafu yengeniso. Irhafu yemali yemali karhulumente iyahluka: amatyala asithobayo (Alaska, i-Florida, i-Nevada, i-Newpre, iDannelies, iTexas, i-Texas, i-Washington, kunye ne-Whoming) abanayo irhafu yerhafu, ngoxa abanye bengayidisile okanye beqeqedisile.

Irhafu

Irhafu yokuthengisa irhafu yerhafu esetyenziswayo ekuthengisweni kweempahla kunye nezinye iinkonzo. Izinga lohluka-hlukene ngokwemeko yesixeko. Umzekelo, urhulumente kunye nerhafu yasekuhlaleni eChicago, eIllinois, ingaphezulu kwe-10%, ngoxa ePortland, e-Oregon, akukho rhafu yentengiso. Amashishini ajongene nokuqokelela irhafu kubathengi nokuyibuyisela kurhulumente. Njengomthengi, uhlawula irhafu yentengiso kwiintengiso ezininzi, kodwa izinto ezibalulekileyo ezifana nentengiso neziyobisi zisoloko zithintelwa.

Irhafu Yempahla

Iirhafu zempahla zihlawulwa ngurhulumente wasekuhlaleni kwimizi yengingqi (ilizwe nezakhiwo) yaye ngamanye amaxesha kwimpahla yobuqu njengezithuthi kunye nezikhephe. Irhafu ibalwa ngokwexabiso lepropati. Ezi zikolo zerhafu, iindlela, amapolisa, amasebe omlilo, kunye nezinye iinkonzo zasekuhlaleni. Abanini-khaya bangahlisa i-R10 000 yelizwe kunye nerhafu yasekuhlaleni (kuquka irhafu yempahla) xa bebuya, ngokokubuyela kolawulo lwe-SALT. Ukuba uqeshile, umnini-ndlu wakho usenokuba udlulisela iindleko zerhafu yemali ngemali ephezulu.

Ikomkhulu Lifumana Irhafu

Xa uthengisa i-asethi efana ne-oyile, amaqhina omhlaba, okanye ukufihla ityala ukuze ufumane ingeniso, ufumana irhafu. Ingeniso yexeshana elifutshane (ii-Akhawunti ezigcinwe ngaphantsi konyaka) irhafu njengengeniso eqhelekileyo. Ingeniso yexesha elide (efunyenwe ngaphezu konyaka omnye) ifanelekela imigangatho esezantsi: 0%, 15%, okanye 20% ixhomekeke kwingeniso yakho. I-IRS ifuna ukuba uxele zonke inzuzo zemali, nokokuba awufumani fomu ye-1099-B. Iilahleko zinokuhlisa ingeniso nokunciphisa irhafuthezo zakho.

Enye Irhafu

  • [[UMTL:0] Irhafu yentengiso: Irhafu kwimpahla ezithile njengepetroli, utywala, icuba, kunye namathikithi enqwelo-moya. Ezi zisoloko ziqukwa kwintengo.
  • [[UMTHETHO: 0] Irhafu yePasika neNtloko: Irhafu yefama exabisa ngaphezu kwezigidi ze-R3.61 ngonyaka wama-2024. Amanye amazwe anyanzelisa irhafu yefa okanye yefa lawo kwimiqobo esezantsi.
  • Irhafu yeGiff: Ungaboleka irhafu yerhafu ukuba unikela ngaphezu kweedola eziyi8,000 (iiR1,000 ngonyaka ngonyaka). Izipho zonyaka phantsi kwalo mqobo azikho rhafu.
  • [[AKT: 0] Irhafu yeFASI: Intelekelelo ye-Inishuwarensi Izentengiselwano zerhafu iAct of revolution Recurity and Medicare. Abaqeshwa bahlawula 7.65% yomvuzo, othenjiswa ngabaqeshi; abantu abaziqeshileyo bahlawula ngokupheleleyo i-15.3%.

Imbopheleleko yabahlawuli berhafu

Ukuphumeza iimbopheleleko zakho zerhafu kubandakanya okungaphezulu kokugqiba nje ukubuyisa. Nantsi imisebenzi engundoqo ngamnye umhlawula irhafu afanele ayiqonde.

Ukubuya Okupheleleyo Nokuchanileyo

Kufuneka unike ingxelo yonke ingeniso evela nakuwuphi na umthombo, kuquka umvuzo, inzala, ingeniso yokuhlawula, ingeniso yokuqesha, ukuphumelela kokungcakaza, kwanemisebenzi etshintshiweyo. Sebenzisa ubume obulungileyo befamsaselsa (engabodwa, etshatileyo, etshatileyo, ishefu eyahlukeneyo, intloko yendlu, okanye efanelekayo yomhlolokazi (e). Ukukhangela kabini inani lakho lokhuseleko lwentlalo-ntle, amanani ebhankini, kunye nayo yonke izibalo. Iimpazamo zibangela ukuba kubekho i-IRS isaziso kunye nokulibaziseka kwe-Vrends.

Ukuhlawula Irhafu Ngexesha

Ukuba unetyala lemali, hlawula ubuncinane ityala elifunekayo ngethuba elifanelekileyo lokuphepha isohlwayo. I-IRS inika iinketho eziliqela: ukurhoxa kwemali ye-elektroniki, ukuhlawula ngetyala/ikhadi letyala, ukuhlawula ityala, kunye nezivumelwano zemali ezithe ngqo ukuba awukwazi ukuhlawula ngokupheleleyo. Ukuba ufuna ixesha elingakumbi lokuhlawula, faka isicelo secebo lokuhlawula kwi-intanethi usebenzisa isixhobo se-IRS Online Peasurence Arence.

Ukugcina Iingxelo Ezichanileyo

I-IRS icebisa ukugcina iirekhodi zerhafu iminyaka emithathu ukusuka kumhla ofakela ngawo iifayile zakho zokubuya (okanye iminyaka emibini ukusuka ngomhla owuhlawuleleyo irhafu, nokuba yiyiphi kamva). Ukuba ungaphantsi konikelo lwengeniso engaphezu kwama-25%, ummiselo wemiqathango unwenwela kwiminyaka emithandathu. Gcina imibhalo yeW-2, 1099, ii-aligi zemali ezinokusetyenziswa, iingxelo zebhanki, kunye nokubuya kwerhafu yangaphambili. Kubanini beshishini, bagcine iirekhodi zokuthengwa kwezixhobo nenkqubela-mpahla ixesha elide xa unempahla edityaniswe iminyaka emithathu.

Ukuchaza Iinguqulelo Zobomi

Yazisa iinguqu ezibalulekileyo ezichaphazela imeko yakho yerhafu. Imizekelo iquka umtshato, uqhawulo-mtshato, ukuzalwa komntwana, ukutshintsha kwemeko yomsebenzi, ukufudukela kurhulumente omtsha, ukuqalisa ishishini, okanye ukufumana ilifa elikhulu. Ezi nguqu zinokuguqula imeko yakho yokuqokelela imali, iimali kunye neemali zetyala. Ukuhlaziya idilesi yakho ne-IRS usebenzisa i-Form 8822 ukuqinisekisa ukuba uyamkela zonke iileta.

Ukusabela Kwiinkcazelo Ze - IRS

Ukuba ufumana ileta evela kwi IRS, musa ukuyityeshela. Izaziso eziqhelekileyo ziquka ulungiso lwemposiso yezibalo, izicelo zoxwebhu olongezelelekileyo, kunye nezaziso zolwahlulo olufanelekileyo. Phendula ngaphakathi kwexesha elikhankanyiweyo ```````````'''''' ngokunjalo thabatha 30 iintsuku. Ungabiza inani kwisaziso okanye ilog kwi IRS yakho kwi IRS akhawunti yenkcukacha.

Iimpazamo Zerhafu Eziqhelekileyo Okufanele Ziphetshwe

Kwanerhafu enonopheleyo yenza iimpazamo. Nazi iimpazamo ezixhaphakileyo nendlela yokuziphepha.

  • Ulwazi lobuqu oluchanekileyo: A Inani elingalunganga loKhuseleko lweNtlalo, igama elipelwe kakubi, okanye umhla ongalunganga wokuzalwa kungenza ulibaziseko lokuqhubekekisa okanye ulwamkelo. Qinisekisa lonke ulwazi nxamnye namaxwebhu akho asemthethweni.
  • [[UMTL: 0] Ifaka imigca efileyo: Phawula ikhalenda yakho ngemihla yonke enxulumene nayo. Cwangcisa izikhumbuzi zerhafu eziqikelelwa kwikota ukuba usebenza ngokwakho. Ifayile yongezelelo ukuba ufuna ixesha elininzi, kodwa khumbula ukuba ayisosongezo sokuhlawula.
  • Ukubonakalisa izibhaka-bhaso namatyala: Abahlawuleli abaninzi abaluhoyi uphumlo olubalulekileyo olufana netyala lerhafu eligotyiweyo (EITC), Ityala lerhafu yabantwana, iityala lemfundo, kunye neenkcitho zemali ebolekiweyo zomfundi, i-IRA, kunye neendleko zezonyango. Sebenzisa i-software yerhafu okanye ingcali ukuqinisekisa ukuba uyakufanelekela konke okufanelekelayo.
  • [[NTLALA:0] Ukufumana i-IRS ifumana imibhalo yakho yeW-2 kunye neye-1099. Ingeniso erhoxileyo ingabangela isaziso esizenzekelayo phantsi komsikeli ngxelo. Quka nengeniso kwimisebenzi yezoqoqosho ye-gig, ukuthengisa nge-intanethi, ukuhlawula imali, inzala kwii-akhawunti zemali.
  • [[UKWENZIWA:0] Iimpazamo zeMath kunye neempazamo zobalo: iimpazamo zezibalo ezilula zingakhokelela kulibaziseko lwezibalo okanye izalathiso zesohlwayo. Sebenzisa i-software yerhafu ebala amanani, okanye ujonga- kabini umsebenzi wakho ngesandla.
  • Ukutyikityo noDidi olungalunganga: Ukubuya okungaphawulwanga akusebenzi. Ukuba isonka sefayile, omabini amaqabane kufuneka atyikitye. I-E- filed ifuna ingeniso ehlengahlengisiweyo yonyaka ongaphambili (AGI) okanye i-IRS ikhuthuze i-PIN ukuqinisekisa ukuba zini na.
  • [[FLT: 0] Ukuchaza imo Engalunganga: Ubume bakho buchaphazela isibiyeli serhafu, uhlaziyo olusemgangathweni, kunye nokufaneleka kwetyala. Hlola izikhokelo ze IRS ngononophelo, ingakumbi ukuba imeko yakho yomtshato itshintshile ebudeni bonyaka.
  • [[FLT: 0] Ukugada Ilizwe noMgaqo woLonke: Ungalibali ukubuyisela irhafu yakho yombuso ukuba iyimfuneko. Amazwe amaninzi anexesha elahlukeneyo nemithetho. Kwakhona, abaninizo beshishini kufuneka baphathe irhafu yentengiso nephepha-mvume loshishino kwisixeko okanye kumgange wommandla.

Imithombo Yoncedo Lwerhafu

Akuyomfuneko ukuba usebenzise ixesha lerhafu kuphela, kodwa kukho izinto ezininzi ezifumaneka ngesisa nangemali ukuze ukwazi ukuhlangabezana neembopheleleko zakho.

Oovimba be-IRS

  • I-website (ii-scrolls.gov): Umthombo osemthethweni wohlobo, imiyalelo, iimpapasho, kunye nohlaziyo lomthetho werhafu. Sebenzisa i-“Iyam Ivusiwe?” isixhobo kunye ne-Akhawunti ye-ONUS ukuqwalasela imbali yakho yeshedi uze uhlawule.
  • IFAYILE Ekhululekileyo [[FLT]] Ukuba uhlengahlengiso lwengeniso yakho luzi $79,000 okanye ngaphantsi, ungasebenzisa i-software yerhafu yegama lefayile yesisa ngesisa. I I-IRS Free Fail Fail namaqabane enkqubo yefayile kunye neenkampani zokulungiselela irhafu ukulungiselela ukukhokela.
  • I-IRS Ukusasaza 17:[ Isikhokelo esibanzi kwirhafu yengeniso karhulumente yabantu ngabanye. Igubungela iimfuno zeshefu, ingeniso, iincopho, kunye neetyala ngolwimi olucacileyo.
  • [[UMTL: 0] I-ISTaxhawarer a Uncedo (TCs):[ Uncedo lomntu lufumaneka ngokudibana kwii-ofisi ze-IRS zobulali. Sebenzisa umxhasi kwi-ir.gov ukufumana omnye kufutshane nawe.

Iinkqubo zokulungiselela irhafu

  • [[FLT: 0] VITA (Inkxaso yerhafu efunyenweyo): uncedo lwerhafu lwasimahla kubantu abafumana ii-$64 000 okanye ngaphantsi, abaneziphene, okanye abanempumelelo elinganiselweyo yamaNgesi. Amatsha - ntliziyo aqinisekisiweyo alungiselela iimbuyiselo ezisisiseko kumaziko oluntu kulo lonke ilizwe.
  • [[UMTL:0] I-TC (Icebiso lamaGqirha aKwabakhulileyo):[[Uncedo lwerhafu lwasimahla kumntu oneminyaka engama-60 nangaphezulu] uncedo lwerhafu, olujolise kwimiba yomhlala-phantsi kunye neyomhlala-phantsi.
  • [[UMTL:0] UMVULO-MVU:[ i-software yokulungiselela irhafu yasimahla kunye nezibonelelo zezomkhosi osebenzayo kunye namagqala kuMqulu omnye.

Uncedo loochwepheshe kunye ne-Software

  • [[UMTL:0] Abanikezi ngxelo boluntu (CPA) kunye ne-EAspect eqengqelekileyo: Ezi ngcungela zingakumela phambi kwe-IRS kwaye zicombulule iimeko ezinzima zerhafu. Ii-fees zahluka ngokusekelwe kuntsonkothileyo.
  • [[UMTL: 0] I-software yokulungisela e-'A''' enika i-'A''' i-Proftware yokulungisa'''''''[[FTLT:1]] Iinkqubo ezibekwe phantsi njenge TurboTax, H&R Block, i-Tchar, kunye ne-FreeTaxUSA ikhokela kuwe ngenkqubo ye-passpo ngemposiso kunye nentsalela yentsalela yolwando. Uninzi lunika inkxaso yophicotho-zincwadi.
  • Isebe leNgeniso yeSizwe:[ Umbuso ngamnye unewebhsayithi yawo eneefomu, ii-pakethi ze-portals, kunye nemigca yoncedo.

Imfundo

Icandelo lichaza yingenelo nganye ekhoyo. Kwimigaqo-nkqubo yocoselelo lwerhafu, iSisombululo seTshafu ne [FLT:] I-Aregion yelizwe yophando lwezezoqoqosho[[FLT:] ipapasha uphando ngemiqathango yerhafu.

Isiphelo

Ukuqonda ixesha elimisiweyo lerhafu kunye neembopheleleko akuthethi nje ukuthi umele uphephe isohlwayo . kukulawula ubomi bakho bemali. Ngokuyazi ukuba yiyiphi irhafu ekufuneka uyifake kwifayile, yiyiphi irhafu esebenzayo kuwe, nendlela yokuyifeza ngokuchanekileyo imisebenzi yakho, unganciphisa uxinezeleko kwaye wandise ingeniso yakho yasemva kwerhafu. Qala ekuqaleni konyaka ngamnye, qokelela amaxwebhu akho, kwaye usebenzise ubuncwane obuninzi obufumanekayo. Ukuba imeko yakho intsonkothile, musa ukuthandabuza kugqirha. Iiyure ezimbalwa zokulungiselela impompoza zingakusindisa amakhulu eera neminyaka ebuhlungu.