Iirhafu ezirhwebayo ziyimfuneko kubantu ngabanye, amashishini, kunye namanye amaqumrhu. Ukufikelela ixesha lokuzigcina kubalulekile ukuze kugcinwe kufanelekile ukuma okuhle namagunya erhafu kwaye kuphephe iinzima zemali ezingeyomfuneko. Kodwa ke, ubomi buyenzeka: iziganeko ezingalindelekanga, iimeko ezintsonkothileyo zemali, okanye ulawulo olulula lungakhokelela ekuphoseni ixesha elimisiweyo. Ukuqonda iziphumo ezipheleleyo zeziphumo ``kuquka isohlwayo , umdla +/ukukwazi indlela yokulungisa le miba kuyimfuneko ekucwangciseni imali kunye nolawulo lwengozi. Eli nqaku linikela ukhokelo olucacileyo, olunenkcukacha zerhafuthelo, iingcaso, iingcebiso zenzala, kunye neemeko ezikhethekileyo ezinika uncedo.

Ukuqonda Irhafu Efayo

Ixesha lokugqiba lokuhlawula irhafu asiloxesha elinye lokufumana ingeniso-mali. Eyona mini exhaphakileyo yokubuyiselwa kwerhafu nganye yesizwe eUnited States ngu Aprili 15, kodwa umhla ungahluka ngenxa yeempelaveki, iiholide, okanye ulwandiso lwe-IRS. Umzekelo, ukuba u-Aprili 15 ulele ngoMgqibelo, ixesha lokusebenza komsebenzi olandelayo. Ukongeza, abahlawuleli abahlala kwimimandla exelwe intlekele bangafumana ulwandiso oluzenzekelayo.

Kwishishini, ixesha lokugqiba lahlukile ngokusekelwe kuhlobo lweziko. [[FLT: 0]] C iqheleke ijongene nommiselo weminyaka eli-15 we-meyile yeefagle zeminyaka edlulileyo, ngexesha [S amaziko kunye [[FLT]] iimpahla zefayile ngenyanga ye15 (okanye usuku lwe15 lwenyanga yesithathu emva konyaka obekiweyo). iziququ eziququ zenqanawa [[FLT]] kunye [iLT] kunye nelungu elinye lonyaka we-APLD zisebenzisa ixesha elinye elingu-15 ngoMatshi 15 (okanye nomhla we-15) ukuqonda okungundoqo ngenxa yokungathwa kwemiqatha yemiqatha yemiqatha yexesha.

Abanikeli berhafu abafuna ixesha elininzi bangacela ulwandiso. KwiU.S., ukuqokelela ifomu yomthetho yoma 4868 (yomntu ngamnye) okanye ifomu yo 7004 (yamashishini) inika ulwandiso oluzenzekelayo lwenyanga ezintandathu kwifayile. Noko ke, ulwandiso lwefayile ayisolwandiso ayiyo intlawulo [ [[FLT]]. Nayiphi irhafuthelo imele ihliswe ngomhla ofanelekileyo wokuqala ukuze iphephe izigwebo nenzala. Oku kungaqondani kukhokelela abahlawuleli abaninzi kwinkathazo kwinkathazo, bafumana isigqumo kuphela ukubhatala, kodwa kujotyelwa emva kwexesha lokubhatala.

Imiphumo Yokuthuthwa Kwerhafu

Inkonzo yeNgeniso yangaphakathi (IIRS) kunye namasebe alawula irhafu amisela iziphumo eziphambili ezimbini zemali kwiziphumo zemali zasemva: izigwebo nenzala. Ezi zityholo zingaqokelela ngokukhawuleza, ziguqulele ityala lerhafu elilawulekayo kwingxaki ebalulekileyo yemali. Ezi zigwebo zimbini zizisohlwayo ezingundoqo ze [ ukungaphumeleli ukunyusa isohlwayo sefayilini [ kunye nesohlwayo sokuhlawula [ isohlwayo:3], kunye nenzala yemini yonke kwimali ehlawulo yomhla yokuqala elindelekileyo kuse phambili.

Ingcaciso yokungaphumeleli kwefayile

Isisohlwayo sokungaphumeleli ukuya kwifayile sesinye semiqamelo. Kubalwa njenge % yerhafu engahlawulwayo nyanga nganye (okanye inxalenye yenyanga) ukuba ukubuya kusemva, ukusa kwinani elipheleleyo le 25% yerhafu engahlawulwayo. Esi sohlwayo siqala njengomhla emva kommiselo (kuquka ulwandiso, ukuba ulwandiso lugcinwe kodwa ukubuya kusesemva). Umzekelo, ukuba unetyala lemali iR10,000 nefayile iinyanga ezimbini emva kwexesha, isohlwayo sizakuba ngu-5% × 2 iinyanga × $100,000). Ukuba umele ungabi nanto ityala, akukho nto ingaphumeleli, kodwa ungajongana nezinye iziphumo ezifana nokuzibeka emva kwexesha okanye ukubuya komva kwe-R.

Kubalulekile ukuphawula ukuba ukuba ufaka ifayile ngaphezulu kwe 60 ziintsuku ezisemva kwexesha, isohlwayo esincinane yi 100% yerhafu efunekayo okanye i-$25 (njengo-2025, ilungelelaniselwe ukunyuka kwamaxabiso ngonyaka). Oku kuncinane kusebenza nokuba ipesenti yezibalo ingaba isezantsi. Ngoko ke, qokelela kakhulu emva kwexesha elingaphezu kwe(5) nokuba utyala elincinane (ukuzakuba netyala lerhafu elilingana netyala elipheleleyo.

Ukungafezeki kwebhaso kucaciswe

Isohlwayo sokungaphumeleli ukuhlawula sohlukene kwaye siyasebenza xa irhafu eboniswe kwimbuyekezo (okanye eboniswe yi-IRS) ingahlawulwa ngomhla ofanelekileyo. Esi sohlwayo singu 0.5% werhafu engahlawulwayo [ ngenyanga nganye irhafu ihlala ingahlawulwa, ukusa kumlinganiselo wama-25% werhafu epheleleyo efunekayo. Inzala iphinde ihlawulelwe kwimali engahlawulwayo, kwaye isohlwayo ngokwaso singaba negalelo kwinzala kwezinye iimeko.

Xa zombini izigwebo zisebenza ngaxeshanye, isohlwayo esidityanisiweyo sidla ngokusetyenziswa nge5% ngenyanga (5% yokungaphumeleli-ukuya- kwifayile + 0.5% ukuhlawula, kodwa sibekwe kwiflags i-5% ngenyanga kwinyanga yokuqala yeenyanga ezintlanu. Emva kokungaphumeleli- ukuya kwifayile yesohlwayo singumlinganiselo ophezulu othe waphela kwi 25% ngenyanga de ifikelele 25% okanye irhafu ihlawulelwe. Isiso sidityanisiwe sembuyekezo zombini ezibekwe kude kufike emva kwexesha kwaye ihlawulwa emva kwexesha 4,4,5% yerhafu yerhafu engahlawulwayo [[FLT] [25:25.5% +2.5% emva kweyokuqala i-enyanga ezintlanu). Umzekelo, ityala eli-105 ekugqibeleni linokuhlawulwa yi-R107, ukuba iinversethiyogroverties.

Imali eyongezelelweyo yokuhlawulwa nokungahlawulwa

Ifatyi yamva isenokuxhokonxa ezinye izigwebo. [[FLT: 0] ukuhlawulwa kwesohlwayo serhafu esiqikelelwayo kuyasebenza ukuba awukhange uhlawule ngokwaneleyo ngokubopha okanye ngokuqikelela intlawulo ngonyaka. Esi sohlwayo sokwahlulwa kwisohlwayo sexesha elidlulileyo kunye nesokuhlawula emva kwexesha. Ngaphezu koko, ukuba i-IRS imisela ukuba isohlwayo sexesha elidlulileyo sasingenxa yokungahoywa okanye ukungahoyi ngempazamo irhafu, isohlwayo isohlwayo se-glice [[ esisibo esisibalo sabantwana esingaphantsi somvuzo singasebenza. Ukunganyaniseki kwifayile, isohlwayo sinyukelwe ukuya ku-15% ngenyanga engena siphumo esinzima. Ngexesha elinqabileyo.

Inzala Yerhafu Engahlawulwanga

Ngaphezu kwesohlwayo, i-IRS ibiza inzala nayiphina irhafu engahlawulwayo ukusuka kumhla wokuqala olindelekileyo wokubuya de irhafu ibhatelwe ngokupheleleyo. Isantya senzala sigqibelwe ngokwekota kwaye sibalwa ukusebenzisa umlinganiselo omfutshane wexesha lesizwe lokudibanisa 3% kubantu abamalunga ne-$3% kwintlawulo enkulu). Imiququzelo yemali yemali engaphantsi kwemali. Inzala ikhula ngokukhawuleza kunenzala elula. Umzekelo, ukuba ixesha elifutshane lenzala li-3%, i-IRS linokuba ngu-6% + 3% 3% +3%). Ngomlinganiselo we-R35 000, ukudityatyaniselwa kwemihla yonke, ingaba malunga ne-25 (i-R35 000) ngenyanga, okanye malunga ne-R3 300 ngonyaka, ukuba inani liphezulu.

Umdla awunyanzeliswanga; ugunyaziswa ngumthetho kwaye uya kuqokelelwa kwanokuba umhlawula irhafu usekucwangciso. Kuphela ngokuhlawula inzala epheleleyo ebolekiweyo isenokunqanyulwa. I-IRS ayinalo igunya lokurhoxa okanye lokunciphisa inzala ngaphandle kweemeko ezilinganiselweyo (umz., i-IRS iyalibazisa okanye impazamo). Ngoko ke, abahlawuleli-rhafu kufuneka babeke irhafu kwindawo yokuqala ngenxa yokuphelisa iwotshi yenzala.

Indlela Yokunciphisa Imali Nokuba Nomudla

Nangona imiphumo yereyithi yerhafu yamva ingaba qatha, kukho amanyathelo athe rhoqo okuhlawula irhafu anokuthatyathwa ukucutha isohlwayo nenzala. Undoqo kukuthabatha inyathelo ngokukhawuleza nokunxibelelana neIRS.

IFayili Yolwandiso

Indlela elula yokuphepha uphumelele- ukuya- kwifayile yesohlwayo kukuyifayile yolwandiso ngomhla wokuqala. IFiling Formation 4868 (okanye Ifomu yo 7004) ikunika de ku Oktobha 15 (abantu ngabanye) okanye iinyanga ezintandathu kamva (ukuze amashishini) ukunikezela ubuyiselo lwakho. Oku kuphelisa uphumelele- kwifayile- ukuya kwifayile yesohlwayo enikezelweyo phambi komhla owandisiweyo. Ngoko, ulwandiso aluyithi tyenzi i [[FLT: 0] ukuphelisa uphumelele- ukuya- kwisohlwayo okanye inzala (inyanga ezintandathu) ziqhubekeke kumhla wokuqala ofunekayo nakweliphina umlinganiselo ongahlawulwa. Ngoko ke, kufuneka uhlawule kangangoko kunokwenzeka ngoApril 15 ukunciphisa izityholo zexesha elizayo.

Thobela Ngokusemandleni Omntu Wamandulo Ofileyo

Nokuba ngaba awunakuyifaka ifayile yokubuya kwakho okupheleleyo, kufuneka wenze intlawulo yokholo olulungileyo nangawuphi na uxanduva lwerhafu olulindelekileyo ngomhla wokuqala. Sebenzisa i-IRS Nyusa ethe ngqo, i-EFTPL TRAPS System (EFTPS), okanye ityala/ikhadi lokuthenga ngetyala. Ukuba uhlawula kakhulu, uza kufumana ilahleko xa ufaka ifayile. Ukuba uhlawula phantsi, uzakuba luncedo kwinzala nesohlwayo sokungaphumeleli, kodwa kuphela kumlinganiselo ohlawulwayo. Uhlawula inxalenye yemali inciphisa isiseko apho ufumana khona izigwebo nenzala.

Yenza Isicwangciso Sokubhatala

Ukuba akunakukwazi ukuhlawula imali epheleleyo ebolekiweyo, musa ukulityeshela ityala. I-IRS inikela izicwangciso eziliqela zokuhlawula:

  • Isicwangciso sexesha lokuhlawula (ukuya kwi 180 yeentsuku): Akukho mrhumo wesiseko; uyavuma ukuhlawula kwisithuba seenyanga ezintandathu.
  • Isivumelwano secandelo lecandelo lexesha elide (ngaphezu kweentsuku ezili-180): Ifuna umrhumo wommiselo (osenokuncitshiswa ngabahlawuleli abahlawulwayo abaphantsi); intlawulo yenziwa nyanga zonke.
  • [[UMTL: 0] Isivumelwano secandelo sokuhlawula intlawulo (PPIA): Kubahlawuleli abanokungqina ubunzima bemali; i-IRS ingamkela ngaphantsi komlinganiselo opheleleyo kwixesha.

Ucwangciso lwemali lumisa isisohlwayo sokungaphumeleli- ukuya kwintlawulo ekunyukeni ngaphaya kwe-0.25% ngenyanga (kunye no-0.5% emva kokuba ucwangciso lusebenza). Inzala iyaqhubeka isanda, kodwa isicwangciso sikugcina umi kakuhle kwaye sikhusela imisebenzi yokunyanzelisa efana nerhafu okanye intengo. Ungasebenzisa kwi-intanethi usebenzisa izicwangciso zobhatala [ iphepha.

Khawucinge Ngesi sicelo Sokulalanisa

Kwingxaki enkulu yemali, apho ukuhlawula irhafu epheleleyo kunokubangela ubunzima bezoqoqosho, abaqeshi berhafu bangafanelekela ukunikezelwa ngokulalanisa (OIC). Oku kukuvumela ukuba ulungise ityala lakho lerhafu lingaphantsi kwemali epheleleyo ebotshelelweyo. Inkqubo ingqongqo kwaye ifuna utyhilo lwemali. Iziphumo zemali ezidlulileyo zingenza ukuba isicelo se OIC sibe sinzima kuba i-IRS ingasamkeli xa iindlela zokubuyisela zingekho ngoku. Kubalulekile ukubuyisela zonke ezibalaseleyo phambi kokuba usebenzise. Kulwazi oluninzi, bona [[FLT: 0] izigwebo ze-IS zinikezele ekulahlekeni iphepha.

Ukudada nokuchana kwekhompyutha

Ifayile esetyenziswa ngombane naninina inokwenzeka. Iifayile ezifakiweyo zilungiswa ngokukhawuleza, kwaye ukuba utyala irhafu, ungacwangcisa ityala. I-screen egcina iifayile zecomputer zinciphisa iimpazamo ezinokubangela isohlwayo esongezelelekileyo. Ukuba usebenzisa ingcali yerhafu, zicele ukuba zijonge zonke iinjongo zexesha elimisiweyo kwaye ziqikelele iimfuno zentlawulo.

Iimeko Ezikhethekileyo Nezo Zikhethekileyo

IIRS iyaqonda ukuba ezinye izinto azinakuphepheka. Abahlawuli berhafu basenokufanelekela ukuhlawulwa okanye ukuhlangulwa phantsi kweemeko ezithile.

Ithuba elibekiweyo lexesha lokuqala (FTA)

Abahlawula irhafu ngembali ecocekileyo yokuthobela imbali", okuthetha ukuba akukho zisohlwayo kwiminyaka emithathu edlulileyo kwaye zonke ezifunekayo zihlawulweyo kwaye zihlawulwa ngexesha elililo. Lo mphathi angasifanelekela isisohlwayo esinye ngexesha. Kufuneka asuse ukungaphumeleli- kwifayile, ukungaphumeleli, kunye/okanye ukuhlawula izigwebo ngexesha elinye lerhafu. Intengiso ayinakuhliswa phantsi kweFTA, kodwa ukususwa kwesohlwayo kunganciphisa ityala lipheleleyo. Kufuneka ucelele uFTA ngefowuni okanye ngokubhala; ayizenzeki ngokwayo. Iinkcukacha, bona [[FLT:] unikezelo lwerhafu]

Unobangela Osengqiqweni Wokukhululeka

Ukuba unesizathu esivakalayo sokufa emva kwexesha . njengesigulo esinzulu, ukufa kwentsapho ekufuphi, intlekele yemvelo, okanye ukungafumaneki okungenakuphepheka . Ungacela isohlwayo sokufumana isohlwayo ngokusekelwe kwisizathu esifanelekileyo. I-IRS ivavanya imeko nganye nganye nganye. Kufuneka unikezele uxwebhu (umz., iingxelo zezamayeza, iingxelo ze-inshorensi). Isizathu esisengqiqweni asiyiyeki inzala ngokuzenzekelayo, kodwa singaphelisa ukungaphumeleli ukuya kwifayile nokungaphumeleli ukuhlawula. Ukhokelo, ndwendwela i-ART [[FLT:] intemplement

Ukuhlangula Kwintlekele

I-IRS isoloko inika abahlawuleli berhafu abafake izithuba ezizenzekelayo kunye nezinye iziqalo kwimimandla echaphazelekayo yintlekele. Ezi zibhengezo zoncedo zingaquka ukulibaziseka kwemihla elindelekileyo yokufaka nokuhlawula. Ukuba uhlala okanye uneshishini kwindawo yentlekele, jonga iphepha loncedo lwentlekele ye-IRS ukuze uhlaziyeke. Inzala nesohlwayo zingabuyiselwa ngexesha elimiselwe ixesha.

Uncedo lomkhosi nolokulwa

Amalungu emikhosi exhobileyo ekhonza kummandla wokulwa anexesha elide: umhla ofunekayo uqhele ukuba ziientsuku ezili-180 emva kokuphuma kommandla wolwa. Oku kusebenza kokubini ukuqokelela nokuhlawula. Inzala nezohlwayo zibekwa ngaphandle kwelo xesha. Ngaphezu koko, abanye abasebenzi bomkhosi bangalufanelekela ulwandiso olunzima. Bona Inkxaso-Mkhosi yeMathetho [[[FLT: 1]] iphepha.

Amaxhoba Okubiwa

Ukuba ukubuya kwakho kwirhafu kubanjezelwe ngenxa yokuba uthe wabiwa, i-IRS ingasichasa isohlwayo esinxulumene neso sigqibo. Kufuneka ulandele amanyathelo afanelekileyo ukuze uxele ubusela uze ufumane i-ASCIENT Protection PN (IPPIN).

Irhafu kaRhulumente

Amaphondo amaninzi anemiqathango yawo yokucwangcisa irhafu, edla ngokuhambelana nomhla ka-April 15 kazwelonke kodwa izalathiso zikarhulumente nexabiso lenzala zahluka ngokubanzi. Amanye amatyala ayazikhulula ngokwawo ukuba i-IRS iyawakhupha; amanye abeka izigwebo ezithe ngqo ezizahlulayo. Umzekelo, ukungaphumeleli kweKhalifoniya ukuya kwisigwebo sefayili yerhafu ngu 5% ngenyanga ukuya ku25%, kodwa inzala iyafana norhulumente, kodwa inzala iyamiswa rhoqo ngonyaka. Ukuba uhlala uhlola i-webhsayithi yemali yemali yephondo yakho. Ukuba uhlala ungenayo irhafuthelo (umz. Texas, Nevahda), kufuneka uxhalane kuphela malunga norhulumente kunye nerhafudo yasekuhlaleni.

Indlela Yokuzibamba Ukuba Sewuhambile

Ukuba awukhange ugcine amanqaku onyaka omnye okanye ngaphezulu, eyona ndlela ingcono kukubhala iifayile ngokukhawuleza kangangoko kunokwenzeka. Inyanga nganye yokulibazisa yongeza izisohlwayo ezingakumbi nomdla. I-IRS inika ngokuzithandela “umgca wendlela yendlela ye-"enokwenziwa kwabangenatyala elincinane. Nawa amanyathelo omele ukuwathabatha:

  1. [[FLT: 0] Amaphepha akho: Uqokelele W-2, 1099, iirisithi, kunye nokubuya kwiminyaka engaphambili. Ukuba awunayo imibhalo, intlawulo nerekhodi zengeniso usebenzisa i webhsayithi ye IRS.
  2. [[FLT: 0] Complete kunye nefayile ezigqithileyo ezibuyiselwe ngoku:[[FLT: 1] Sebenzisa icomputer yerhafu okanye ingcali. Ifayile elahlekileyo nyaka ngamnye yahlukene.
  3. [[UMTHL:0] Ubhata oko unako: Kwanentlawulo encinane inciphisa inzala nesohlwayo sexesha elizayo.
  4. [[UMTLL:0] Cela isohlwayo sebhakiti: Ukuba unembali ecocekileyo okanye unobangela osengqiqweni, ngenisa Ifomu 843 okanye biza i IRS.
  5. Seka isicwangciso sentlawulo: Ukuba intlawulo epheleleyo ayinakwenzeka, isebenza kwisivumelwano secandelo lotyalo-mali.

I-IRS ayifuni ukutyholwa ngetyala lolwaphulo-mthetho ngokuchasene nerhafu eziza ngokuzithandela kwifayile ezilahlekileyo, ukuba akukho bungqina bokuqhatha. Isitshixo kukuthatha inyathelo phambi konxibelelwano lwe-IRS.

Impembelelo Yexesha Elide Kwimpilo Yakho Yemali

Iziphumo zetyala lerhafu lamva zidlulela ngaphaya kwesohlwayo esikhawulezileyo nenzala. Iifams ezingekagqibelwa zingakuthintela ekufumaneni ii-reafters zerhafu kwixesha elizayo kuba i-IRS izakuba nee-refreans de zonke iimvuzo ezilahlekileyo zigcinwe. Zingachaphazela ubuchule bakho bokufumana imali yetyala, imali ebolekiweyo yenqwelo-mafutha, okanye imali yeshishini qhaza elincinane. //__Abacebisi basoloko becela irhafunxa-mali njengesiqinisekiso sengeniso. Ngaphezu koko, i-IRS ingafaka isaziso se-Federal Taxics Lien, enciphisa inqaku lakho lokuthenga ngetyala (kunye i-IRS akasabi namali yokuthenga ii-mali ngqo, iingxelo zemali ezithengwa ngumboniso kawonke-wonke-wonke-wonke-wonke-wonke-wonke-wonke). Kwimeko ezigqithiselo, ii-IRS zingakuhnculobhusayinyazo zomvuzo zakho zakho.

Ngokuyiqonda yonke intsingiselo yombono nokuthabatha amanyathelo asebenzayo, ungayiphepha le miphumo ingapheliyo. Ukuthobela irhafu akuthethi nje ukuthintela isohlwayo; kungokugcina imali iqinile noxolo lwengqondo.

Isiphelo

Irefu yerhafu yamva ineziphumo ezithe kratya zemali ezikwindlela yesohlwayo nenzala. Ukusilela kwifayile yesohlwayo kungafikelela kwi 25% yerhafu engahlawulwayo, isohlwayo sokungaphumeleli ukuhlawula songeza esinye i 22.5% ngexesha, kunye nenzala yonke imihla, ukwandisa amatyala onke ngokukhawuleza. Noko ke, i-IRS inika izixhobo zokunciphisa ezi ndleko: ukuqokelela iindleko, ukuhlawula ukholo olulungileyo, ukuhlawula intengoso, nokucela isohlwayo ukwenzela iimeko zokuqala okanye ezifanelekileyo. Abarhafu bajongana neemeko ezikhethekileyo njengentlekele okanye inkonzo yomkhosi bangafumana ukukhululeka kongezelelwe.

Inyathelo elibalulekileyo kukubuyisela umva wakho/naxa ungakwazi ukuhlawula. Ukujika kuqala iwotshi kwiinketho ezininzi ze uthintele izigwebo ezibi. Ukuba usemva, yenza ngoku. Sebenzisa amakhonkco anikezelweyo ukukhangela ugcino lwe IRS lokuhlawula izicwangciso, isiphumlisi, isiphumlisi, kunye nokhokelo kwimiqathango engeyofayile. Ngokuhlala unolwazi kwaye usebenza, ungalawula izibophelelo zakho zerhafu ngokunempumelelo kwaye ugcine imali yakho kumhlaba oqinileyo wexesha elizayo.

[[FLT: 0] IDisclaimer: Eli nqaku linikela ulwazi oluqhelekileyo lwemfundo kwaye alilayiki icebiso elingokwasemthethweni okanye lerhafu. Khangela ingcali yerhafu efanelekayo kwimeko yakho ethile.