Imiphumo Esemthethweni Yokungahlawulwa Irhafu

Ukungaphumeleli ukubuyisela irhafu fayile linyathelo lokuqala lokuphepha okanye ukuvala umonakalo ukuba sele usemva, i-OpenInternet Invector Service (RS) inegunya eliphangaleleyo lokunyanzelisa ukuthobela, kwaye ukubekwa kwemithetho kungakhula ngokukhawuleza ukuba awuyinanzi imbopheleleko yakho yokufakela. Ukuqonda le miphumo linyathelo lokuqala lokuphepha okanye ukuvala umonakalo ukuba sele usemva.

Ubalo lokungaphumeleli ukuya kwifayile

Esi sohlwayo sesiquphe senyanga yokuba ungakhange ubeke intlawulo sisohlwayo sokungaphumeleli ukuya kwifayile yesohlwayo . Esi sohlwayo sibalelwa kwi 5% yerhafu engahlawulwayo yenyanga nganye okanye inxalenye yenyanga yokuba ukubuya kwakho kusemva kwexesha, ukuya kutsho kumlinganiselo ophezulu wama-25% womlinganiselo wakho ongahlawulwayo. Ukuba ufaka ifayile ngaphezulu kweentsuku ezingama-60 emva komhla olindelekileyo, isohlwayo esincinci se-485 okanye i-100 yerhafu yerhafu engahlawulwayo (ukubuya emva konyaka ka-202222). Esi sohlwayo siyathambeka kwaye siyanyuka ngokukhawuleza, sisenza ukunyuswa kwangoko ukuba awunakuhlawula irhafu yakho ngokupheleleyo.

Ukungaphumeleli ukuhlawula

Ukuba ngaba ufakile kodwa awubhatala, ujongene nesohlwayo semali- esiya- kwimbuyekezo , esingu 0.5% ngenyanga (kuya kwi 25%). Xa zombini izigwebo zisebenza kwinyanga enye, ukungaphumeleli- kwifayile kuncitshiswe ngesantya sokungaphumeleli- ukuhlawula, ngoko ke uhlawula ngokunempumelelo 5% ngenyanga (4.5% yokungaphumeleli ukudibanisa 0.5% yokungaphumeleli ukuhlawula). Noko ke, ukuba akuyiyo ifayile kuzo zombini izigwebo ziyaqhubeka zinyuka kwimfumba yakho, ukwandisa iityala lakho ngokugqithisileyo. Iinkcukacha ezininzi, ndwendwela [[FLD:2] iphepha [FT:]

Ukumangalelwa Kwezaphuli - mthetho Ngokugxothwa Kwerhafu

Nangona kungeyonto yonke engakhange iphinde iphinde iphumele kwityala lolwaphulo-mthetho, ukungaphumeleli ngabom kwifayile kungabekwa ityala njengempazamo phantsi kweKhodi ye- Interst Revolution .[FLT] 76203], isohlwaywe ngonyaka omnye entolongweni kwaye ihlawulo lukhoke ukuya kuR150 000 (R150 000). Ukuba urhulumente uyakwazi ukungqinela ukuphepha irhafu, ityala liba lityala eliphantsi 761] [iityala] [iiiiiimali], elithwele isigwebo esiphezulu seminyaka emihlanu kwintolongo nemali ehhalayo ehhalayodwa abantu abamalunga nama-R5 000 000 000 000 000 (R1 000 000 000).

Abarhafu NamaLevi

I-IRS ingabeka irhafu engekho mgangathweni [[FLT: 1] kuyo yonke impahla yakho (indawo, izithuthi, ii-akhawunti zebhanki) ukuba awukuhoyi ukuhlawula imfuno yobhatalo. I-i-inteyiving ingakhusela inzala karhulumente kwaye iyenze ibe nzima ukuthengisa okanye ukuhlawula ii-asethi zerhafu. Ukuba ityala lihlala lingahlawulwa, i-IRS inganyukela kwi-lebhbhin , ethabatha impahla okanye umvuzo ngqo. Ngo-20222, i-IR igcina isaziso serhafu yorhulumente esingaphezulu kwama-300-300 eencwadi yerhafu. Xa ithenjiwe, inokuchaphazela ityala lakho kwaye ihlale kwirekhodi kawonke.

Imiphumo Yemali Ngaphezu Kweendleko

Isiphumo semali sokungaqeshi irhafu sigqithiselwe kude lee ngaphezu kwemali ehlawulwayo. Ukulahleka kwamathuba, amatyala anyukileyo, kunye nomonakalo kwintelekelelo yakho yetyala ungangena kuyo yonke imimandla yobomi bakho bemali.

Ukuphulukana Nezinyuko Namatyala Erhafu

Ukuba ubole imali ebotshelelweyo, i-IRS ayizukukhupha ingeniso de ufake ifayile yokubuyisa. Usoloko uneminyaka emithathu ukusuka kumhla ofunekayo wokuqala wokucela i-frection. Emva koko, imali iba yimpahla ye U.S. Umbango. Kuninzi lwemali ephantsi neyombindi wemali ehlawulwayo, oku kudla ngokuthetha ukulahlekelwa yityala lerhafu (EITC), ityala lemali yomntwana, okanye ityala lemfundo yemali yemali. Ngonyaka wama 2023, isixande sokuhlawula ibingaphezulu ko $3,000. Ukungathethi ukuba kulahlekelwe amawaka eerandi ezinokusetyenziswa ekulondolo, ukuncitshiswa okanye iindleko eziyimfuneko.

Imihla Ngemihla Umdla Uyabanda

Umlinganiselo werhafu ongahlawulwanga uqokelelwa yonke imihla obangela umdla kumlinganiselo omfutshane wexesha kunye no 3% kubantu ababodwa (5% kwimirhumo emikhulu yenkampani ephakamileyo). Ngo-2025, isantya sinyuka phantse isi-8% ngonyaka. Idityaniswe nezigwebo, irhafu engu-R1000 ingabhanki ukuya ku-R4 000 okanye ngaphezulu kwiminyaka emithathu.

Inqaku Letyala Nemiqobo Yokuzimela Imali

Ngoxa amatyala erhafu engaveli ngqo kwiingxelo zetyala labathengi, irhafu (ukuba ithe yagcinwa) iza kuboniswa ize yonakalise inqaku lakho letyala ngokuphawulekayo. Ngaphezu koko, abobolekiweyo basoloko becela irekhodo yerhafu okanye iikopi zemali ezigciniweyo xa ufaka isicelo semali yendlu, inqwelo-mafutha, okanye imali-mboleko yeshishini. Ukungakwazi ukunikela ubungqina bokuhlawula irhafu kungaphumela ekuntsweni kwemali ebolekiweyo okanye kwinzala ephezulu. Abantu abaqeshiweyo kunye nababolekisiweyo baxhomekeke ngokukhethekileyo kwiingxelo zerhafumfa.

Impembelelo kwimisebenzi yeshishini

Abanini bamashishini abangaphumeleliyo kwifayile bangajongana nezigwebo ezibalelwa ngokwahlukileyo kwizivo zeshishini. I-IRS iyakwazi ukubeka amaqhinga kwimpahla yeshishini, ikwenza kube nzima ukukhusela imigca yetyala okanye ukutsala abanikeli. Kwimeko ezimandundu, i-IRS ingaqala [[[FLT: 0]] ngokuzenzekelayo [[FLT: 1] yequmrhu loshishino lokungadibaniyo.

Impembelelo Ekubuyiseni Irhafu Kwixesha Elizayo Nokuphendula Iincwadi

Irhafu engahoywanga ayipheli nje. I-IRS yenza isibambi se-endis ze-fumb (SFR) ngokusekelwe kwinkcazelo evela kubaqeshi nakumaqumrhu emali. Le -SFR iqhele ukuquka iintengiso, iintelekelelo, okanye iityala onelungelo lokulifumana, nto leyo ephumela kwintlawulo yerhafu ephezulu.

I-IRS ibuyisela endaweni yebuyiselo (SFR)

Ukuba awuyi fayile, i IRS izakufaka i SFR kuwe. I SFR isebenzisa ucoco olusezantsi (ngokunjalo umlinganiselo osezantsi wefatyi egatyiweyo ngokwahlukileyo okanye ekhankanyiweyo) kwaye ayiphenduli iintlawulo ezithenjiweyo, ezixhomekeke kwi, okanye iindleko zeshishini. Kufuneka ucwangcise ukubuya kwakho koqobo ukulungisa ingxelo, enokuba yinkqubo ende efuna uxwebhu ngalunye lwencopho ozibizayo.

Umlinganiselo Wemilinganiselo

ilawula imiqathango ukwenzela i-IRS ivavanye irhafu jikelele iphelelwa kwiminyaka emithathu emva komhla ofanelekileyo wokubuya (okanye umhla obekwe kwibhodi eqhotyoshwayo, nokuba nguphi na kamva). Noko ke, ukuba awusoze ufake ifayile yokubuya, ummiselo awuqali ukusebenza. Oku kuthetha ukuba i-IRS ingayiququlunqa okanye iqokelela kwiminyaka engafakwanga fayile ngokungenasiphelo. Ukusebenza, i-IRS ibhekisa kwiminyaka emithandathu yakutshanje xa ilandela iifayile ezingangeni, kodwa akukho mlinganiselo osemthethweni wokuba zingabuya nini.

Ukuphulukana Nezinto Ezithile Zokunconywa Nezingcedevu

Iinzuzo ezininzi zerhafu ezixabisekileyo zifuna ukuqokelela ukubuya ngexesha elifanelekileyo. [[FLT: 0] Ityala lerhafu elihlawulwayo , umzekelo, ingangabikho ukuba awukhange uyigcine kwiminyaka engaphambili okanye unesithuba kwimbali egciniweyo. Ngokufanayo, ukulahlekelwa kwemali eninzi, iminikelo yoncedo ethwalwayo, kunye nentengo yokusebenza ye-nethi elahlekileyo ingalahleka ukuba awukhange uyifake fayile ukubuya konyaka welahleko owenziweyo.

Imiphumo Engokweemvakalelo Nengokwengqondo

Uxinezeleko lweengxaki zerhafu ezingalungiswanga lunokuyiphazamisa kakhulu impilo yengqondo.

Ukuxhalaba Nokuphepha Okuzingisileyo

Abantu abaninzi abangakhange bagcine iminyaka emininzi bavelisa ejikelezayo ejikelezayo : okukhona belinda ixesha elide, okukhona beyiva kakhulu ingxaki. Oku kukhokelela ekulibaziseni okungakumbi, okudibanisa zombini izigwebo zemali kunye nodandatheko lweemvakalelo. Ngokutsho kohlolisiso lwama-2023 lwe-American Psychological Association, uxinezeleko lwemali lungomnye wemithombo ephezulu yoxinezeleko olungapheliyo eUnited States, kwaye irhafuthelo olungalungiswangalupheli lunegalelo elikhulu.

Impembelelo Kulwalamano Nobomi Bentlalo

Ingxaki yemali idla ngokuphazamisa imitshato, ubuhlobo bentsapho, elinye iqabane lisenokuziva licinezelekile kukusilela kwalo ukuhlawula irhafu, nto leyo ebangela ukuba licaphuke lize lixabane.

Ukuziva Unetyala Neentloni

Iimvakalelo zokuzibek'ityala okanye ukudana ngokungaphumeleli imbopheleleko yesizwe zinokuziphazamisa. Bambi abantu bayaziphepha ukuvula iposi okanye ukuphendula umnxeba ovela kwi-IRS, okuthi kube yimbi kakhulu imeko. Ukuqonda ukuba i-IRS inika iindlela zokuhlangula (njengesohlwayo setyala lezaphuli-mthetho zexesha lokuqala) kunokukunceda unciphise ezi mvakalelo kwaye ukhuthaze amanyathelo akhuthazayo.

Indlela yokuthetha irhafu engalungiswanga: Isikhokelo ngenyathelo

Ukuba awukagcini unyaka omnye okanye ngaphezulu, ixesha elingcono lokuthatha amanyathelo ngoku. I-IRS ineenkqubo neenkqubo eziliqela zenzelwe ukunceda abahlawuleli berhafu ukuba babuyele ekuthobeleni ngaphandle kokujongana nobuninzi bokohlwaywa okunokwenzeka.

Inyathelo 1: Lungisa onke Amaxwebhu Asebenzayo

Qokelela ii-W-2, 1099, iirekhodi zezincopho (ii-IRceet, ii-awunti zomnyaka, iminikelo yoncedo), kunye nazo naziphi na iileta ezivela kwi-IRS. Kuphoswa kwamaxwebhu, ungacela Wage kunye ne-Innuxscript ukusuka kwi-IRS (ekhoyo kwi-ingingqi ye-injini ]S Get Transrecriptic[[]). Esi sixhobo sinika isishwankathelo sengeniso exelwe ngabaqeshi nabaqeshi kunye nababhathi abawuphileyo iminyaka oyifunayo.

Inyathelo 2: Ifayile ibuya ngokuphawulekayo

Nokuba ngaba awunako ukuhlawula umthamo opheleleyo, iscan sibalulekile ukunqanda ukungaphumeleli ukuya kwifayile yesohlwayo. Ukungaphumeleli ukuhlawula kuza kuqhubeka kodwa kumlinganiselo osezantsi kakhulu (0.5% ngenyanga). Ungafanelekela kuqala isohlwayo sebhaso [ ukuba unembali ecocekileyo yokuthobela kwiminyaka emithathu engaphambili. IRS FM 843 ingasetyenziswa ukucela isohlwayo solu sizathu esifanelekileyo.

Inyathelo 3: Hlola Iinketho ezinokuKhethwa

IIRS inikela iiplani eziliqela zokuhlawula ukuze kulungiswe ityala lakho:

Inyathelo 4: Khangelani Kwiingcali Zerhafu

A anika ulawulo lwengcali kawonke-wonke (CPA), [[FT:2] umthengisi osongwe (EA), okanye igqwetha lerhafu linganika ukhokelo lochwepheshe, ingakumbi kwiimeko ezibandakanya iminyaka emininzi engalungiswanga, imbuyekezo yeshishini, okanye ubuqhetseba obunokwenzeka. Bangakumela phambi kwe IRS, ibhusayithi, kwaye balungiselele iimbuyiselo ezichanekileyo. Imali yoncedo lobuchule iyazihlawula ngokwayo ngesohlwayo iso sothulo kunye nokuchonga okuchana kweempahla.

Inyathelo 5: Beka Isicwangciso Sombutho Phambili

Xa ubanjwa, misela inkqubo yokuqinisekisa ukuthobela kwixesha elizayo. Oku kungaquka ukusebenzisa i-software yerhafu, ukumisela irhafu eqikelelwa kwikota ukuba usebenza usebenza, okanye uhlengahlengise incwadana yakho yerhafu ngokuyigcina. Abanikazi berhafu abaninzi bakufumanisa kuluncedo ukusebenza nogqirha oqeshiweyo kunyaka wokuqala emva komsantsa omde wokugcina ifayile.

Ulwazelelelo olongeziweyo

Imiphumo Yerhafu Karhulumente

Amazwe amaninzi aneemfuno zawo zokuqokelela irhafu kunye nezigwebo. Ukusilela ukucwangcisa ulawulo lweziko lorhulumente kungaphumela kwimibhobho eyahlukeneyo, ukuhlawulwa kwemali ehlawulwayo, kwanokugxothwa kwamaphepha-mvume omqhubi okanye amalayisensi obugcisa. Amanye amazwe, njengeKhalifoniya neNew York, akhaliphile kakhulu ekufuneni abangeyomfuneko. Kufuneka uthethe ngembopheleleko yorhulumente neyorhulumente ukucombulula ngokupheleleyo imeko yakho yerhafu.

Umlinganiselo Weengenelo Zokhuseleko

Kubantu abasebenza ngokuziqesha, ukungaphumeleli kokwenza iifayile zerhafu kuthetha ukunqongophala kwemali yezokhuseleko loluntu kunye neenjongo zeMedicare. Oku kunganciphisa umhlala-phantsi wakho wexesha elizayo wokhuseleko loluntu okanye iingenelo zokukhubazeka. Ulawulo loKhuseleko lusebenzisa iingxelo zerhafu zomsebenzi wobuqu (ezixelwe kwi Shedyuli SE) ukubala ingxelo yemali oyifumanayo. Ukungakho iminyaka kungaphumela kwiingenelo eziphantsi xa uthatha umhlala phantsi.

Ukukhutshelwa Kwesithuthi

Ngaphantsi koMthetho weSithuthi se-Faxing America (FAST), i-IRS ingawagunyazisa “amatyala erhafu anzulu” kwiSebe leRhulumente. Ityala elinzulu lerhafu elingekho mthethweni lihlawulwa, elinyanzelwa ngokusemthethweni lityala lerhafu elingaphezulu kwama-R62,000 (elimiselwe minyaka lemali ehla ngeminyaka ngenxa yokunyuka kwamaxabiso) eliye lagcinwa i-levy okanye i-maxon. Ukuba iSebe le-Rhulumente lithelwe, lingazikhanyela iinkqubo zepasi lokundwendwe okanye i-passsport ezikhoyo. Lo mphumo ungaqala nokuba awukho kwimicimbi yolwaphulo-mthetho, ngoko ke uhambo lwezizwe ngezizwe lusengozini.

Isiphelo

Iziphumo zokungahlawuli irhafu kumgama ophezulu wemiqathango yemali kunye nomdla wetyala lolwaphulo-mthetho, ukutyala ityala, kwanokulahlekelwa yi passport yakho. Noko ke, i-IRS inika iindlela ezininzi zokusombulula iimbuyekezo ezicocekileyo kwaye inciphise umthwalo: izicwangciso zokuhlawula, zinika ukunikezela ngokulalanisa, isohlwayo kubaboni-mali ngexesha lokuqala, kunye nezinye iiprojekthi zerhafu. Undoqo kukukhusela [[FL: 0] ngokukhawuleza [[FL:]. ukuvala ityala kudibanisa kuphela ingxaki. Ukuba usemva kwerhafuthe yakho, qokelela amaxwebhu, iifayile zakho zibuya, kwaye funa ukhokelo oluqhelekileyo ukuba kuyimfuneko. Ukulawula irhafuthe yakho akuyi kukhusele kuphela imeko yakho kwaye kumele ukuma okusemthethweni kodwa kwakhona kukhulula ubunzima obubangelwa kukungaqiniseki. [FFOT]