Ukuqonda Izinto Ezisisiseko Ezisisiseko Zerhafu

Iirhafu ezirhwetyweyo yimbopheleleko esemthethweni kubantu abaninzi kunye namashishini e-United States. Le nkqubo ibandakanya ukuxela ingeniso yakho, iincopho, kunye neetyala ukuze kufunyaniswe ukuba ufanele uhlawule irhafu engakanani okanye ityala elifunekayo. Inkonzo yeNdebe yeNgeniso (IIRS) imisela imithetho, kwaye imisele imihla engqongqo. Ukungalufumani umhla wokufaka irekhoda kungaphumela kwisohlwayo nakwinzala.

Iingcamango eziliqela eziphambili zimisela isiseko sefatyi yerhafu yaseUnited States:

  • [[Unyaka: 0] Unyaka we-Tax: Ixesha lenyanga ezili-12 eligutyungelwe kukubuya kwakho. Abantu abaninzi basebenzisa unyaka wekhalenda (ngoJanuwari 1 ukuya kuDisemba 31). Amashishini angasebenzisa unyaka we-fiscal.
  • Imeko yomtshato wakho ngomhla wokugqibela wonyaka igqiba ubume bakho. Iinketho ziquka ukungatshati, ukudityaniswa kobunyani, ukutshata ngokwahlukeneyo, intloko yendlu, ne Qualifing Monist (er). Ubume bakho buchaphazela isibiyeli serhafu yakho, umlinganiselo wentlawulo, umgangatho wentlawulo, kunye nokufezekisa iityala ezithile.
  • Izincopho ezix: Ezi zinciphisa ingeniso yakho ehlawulwayo. Ungakhetha uhlaziyo olusezantsi (ubungakanani obusisigxina obusekelwe kwimeko) okanye unike iintengo ezifana nenzala yendlu, iminikelo yoncedo, kunye neendleko zezamayeza. Ukuthatha into ngenye into kudla ngokuvakala kuphela ukuba uhlahlo-mali lwakho luyedlula umgangatho.
  • [[NTLA] Amatyala athe kratya: Ezi zinciphisa ngokuthe ngqo ityala lakho lerhafu, idola ngedola. Imizekelo iquka ityala lerhafu elihlawulelweyo (EITC), Ityala lerhafu yabantwana, kunye neetyala lemfundo. Ezinye iityala zinokubuyiselwa, intsingiselo ungafumana i-frest nokuba akunatyala lamali.
  • Imali efunyenweyo elungelelanisiweyo (AGI): Ingeniso yakho iyonke ithabatha uhlenga-hlengiso oluthile (njengeminikelo ye-IRA kunye nenzala yomfundi). I-AGI yindawo yokuqala yokubala iincopho kunye neetyala.

Ukuqonda ezi siseko kukunceda usebenzise iifomu zerhafu kwaye wenze izigqibo ezigcina imali. Kwinkcazelo ezisemthethweni, bhekisa ku- [[FLT: 0] IRS Upapasho 17[[FLT: 1]].

Inyathelo 1: Lungisa onke Amaxwebhu Afunekayo

Ngaphambi kokuba uqalise ukulungiselela ukubuya, qokelela onke amaphepha afunekayo. Amaxwebhu angekhoyo akhokelela ekulibaziseni ukuqokelela ishefu, iimpazamo zezibalo, nokuphoswa kwentelekelelo. Nalu uluhlu lokuhlola olunentsingiselo:

Uxwebhu lwengeniso

  • Ifomu ye-W-2 Ifomu: Inikezelwe ngumqeshi wakho ngomvuzo, iincam, kunye nembuyekezo. Kufuneka uyifumane ngoJanuwari 31.
  • Iifomu ze- ezahlukahlukeneyo zengxelo yengeniso engeyomisebenzi. Eziqhelekileyo ziquka:
    • ]-NEC kumsebenzi wenkululeko okanye ikontiliki (emva li-1099-MISO- yemali engahlawulwayo).
    • [[UMTL:0]-INT kunye -UMTHOLO-1099 ukwenzela inzala kunye nengeniso eyahlulwe kwiibhanki okanye kwingeniso yotyalo-mali.
    • -G-1099 kwintlawulo karhulumente njengerhafu karhulumente okanye imbuyekezo yokungaqeshwa.
    • [[UMTL:0]-R ukwenzela unikezelo olusuka kwimpesheni, kwizinto ezithatha umhlala-phantsi, okanye iityala lomhlala phantsi.
    • [[UMTL:0] K ngekhadi lokuhlawula kunye nenxenye yesithathu yentengiso yenethwekhi (ukuba uthengise impahla okanye iinkonzo udlula kumaqonga afana nePayPal, Vento, okanye i-ebay).
  • Ezinye iingxelo zengeniso: iingxelo zengeniso yengqondo, iingxelo zokuziqesha, ukuphumelela kokungcakaza, kunye nayo nayiphi na enye imvelaphi.

Iingxelo zenkcitho nezothutho

  • Iirejista zeminikelo yoncedo (ikhash nengeyonka).
  • Ingxelo yesidlangalala (Form 1098) kwimali yakho yokubolekisa.
  • Iirisiti zerhafu yophawu.
  • Xa ubhala iingxelo zemali zonyango nezokunyanga amazinyo (ukuba ufaka into ethile).
  • Iindlela zemali yemfundo (Fom 1098-T ukwenzela ukufumana inzala kunye neendleko ezinxulumene nayo).
  • Iingxelo zokuhlawula abantwana (igama, idilesi, neEIN okanye SSN).
  • Iindleko ezinxulumene neshishini ukuba usebenza ngemisebenzi yakho (iinkonzo zeofisi, umgama, izixhobo).

Uchazo nolwazi lonyaka ongaphambili

  • Ukhuseleko lweNtlalo luzifumanela wena, iqabane lakho, nabo bonke abantu abaxhomekeke kulo.
  • Ngaphambi konyaka ubuyile berhafu (ingakumbi iAGI yakho ukusuka kunyaka ophelileyo, isetyenziselwa ukuqinisekisa ukuba u-efilifi).
  • I-akhawunti yebhanki kunye nenombolo zothutho lwemali ebotshelelwe ngqo yayo nayiphi na i-rest.

Lungisa la maxwebhu kwincwadi enikezelweyo ```Iitshati'' zingcono kuba ungawadibanisa lula kwi-software yerhafu okanye i-imeyili kuyo kwi projekti. I-IRS inika i IsiKhokelo sexesha [[[FLT: 1]] kuluhlu lokuhlola.

Inyathelo 2: Khetha indlela ohamba ngayo

Uneenketho ezininzi zokulungiselela nokubuyisa. Nganye ineengenelo neengxaki malunga nexabiso, ucoselelo, nexesha.

Ulawulo lwe-PGP

Abaxhasi abaninzi basebenzisa iinkqubo ze-software zezorhwebo (i-TurboTax, i-H&R Block, i-Taxlayer, njl.). Ezi nkqubo zinika imibuzo yodliwano-ndlebe-magama, ubalo oluzenzekelayo, kunye nokuzifica ngqo. Abaninzi banikela iintlobo zesikhululo zobuyiselo olulula (Form 1040 ngaphandle kokumba). Iinguqulelo zePaid ziphatha utyalo-mali, indawo yokuqesha, kunye nokuziqesha. Iingenelo ziquka iimpazamo, ii-refoundations (ngoko kudla ngokubakho kwientsuku ezingama-21), kunye nokuqinisekiswa kwe-IRS.

Ukhetho lweFayili ekhululekileyo

I I-IRS Free Fayile asebenzisana nayo neenkampani ze-software ukulungiselela irhafu yasemthethweni kunye nokufihlwa kwemivuzo elungelelanisiweyo yomvuzo othe kratya wama-$79,000 okanye ngaphantsi (kuzo 2024 ezibuyayo). Ungayifikelela ngqo kwifayile ekhululekileyo[[[FLT: 1]. Ngaphezu koko, i-IRS inikezela ngeefomu eziGcwalisayo (ezikhululekileyo kodwa ezingenaluxanduva) kulo naliphi iqondo lomvuzo.

Ukunikela Ngokuzithandela Uncedo Lwerhafu (VITA)

Ukuba ufumana imali engaphezulu ka-R34,000 okanye ngaphantsi, uneziphene, okanye uthetha isiNgesi esisikelwe umda, amatsha - ntliziyo aneziqinisekiso ze-IRS angalungisa iirhafu zakho ngesisa kwi-ITA ye-Ingingqi yobulali. Bangaphatha iimbuyekezo ezingundoqo. Ngokufanayo, i-Matshi Yokunceda abalupheleyo (TCE) inika uncedo ngesisa kwabo baneminyaka engama-60+.

Ukuzingela Irhafu

Umgcini-mali oqinisekisiweyo (CPA), umbhalisi, okanye igqwetha lerhafu licetyiswa kwiimeko ezinzima: ukuqeshwa komsebenzi wobuqu onezinto ezibalulekileyo, ukuqeshwa kwemali eqeshiweyo, ingeniso yemali yelizwe elininzi, imiba yerhafu yehlabathi, okanye ishishini. Ooogqirha bayawazi umthetho wangoku werhafu, bangakumela kuphicotho-zincwadi, kwaye basoloko befumana iinkcitho onokuthi uphoswe. Ukulindela iindleko ezisekelwe kwintsonkozo ezintsonkothileyo: ukubuyisela okulula okuziiiiiiii-R50-R4,000, okuninzi okubandakileyo okubandakanya ukubuyisela ii-R4,000+.

Ukujija Iphepha

Ukuthumela ubuyisela iphepha kusavumelekile, kodwa uqhubekeko luthatha iiveki 6- 8 (okanye ngaphezulu). Iphepha libuyisela ngokuthambeka kwimposiso zezandla kwaye amaxwebhu alahlekileyo. I IRS inqanda ngamandla ipali yephepha ngaphandle kokuba awunalo olunye ukhetho. Ukuba wenza iphepha- fayile, sebenzisa idilesi elungileyo yemeko yakho (efunyenwe kwimiyalelo ye Krame 1040).

Inyathelo 3: Yanelisa Iindlela Zakho Zokuhlawula Irhafu Ngokuchanileyo

Xa sele ukhetha indlela oza kuyisebenzisa, lixesha lokuba ufumane inkcazelo engakumbi ngolwazi lwecomputer, landela nje oko kujoliswe kuko.

Ifomu engundoqo 1040

Umntu ngamnye usebenzisa Ifomu 1040 (okanye 1040-SR kubadala). Esi sishwankathelo siqokelela ubume bakho besatifiketi, ingeniso, uhlenga-hlengiso, iincopho, iityala, kunye nobalo lwerhafu.

  • [[UMTL:0] Ingeniso eyongezelelekileyo kunye nohlengahlengiso kwingeniso (umz., ukuziqesha, ubukho, iindleko zomfundisi).
  • Izahlulo ezithenjiweyo A: iintlawulo (iindleko zonyango, irhafu, inzala, izipho, ilahleko yengxwelerha).
  • [[UMTH: 0] Ingeniso okanye ilahleko kwishishini (abantu abaziqeshayo).
  • Ikomkhulu lifumana kwaye liphulukana nelahleko.
  • [[UMTL:0] Ingeniso edityanisiweyo kwiholo, i-odoli, amaqabane, imibutho, iindawo, kunye nentelekelelo.
  • [[UMTH: 0] Irhafu yengqesho yasekhaya (yamagumbi ogcino-khaya okanye abahlali).
  • [[UMKHLO: 0] Irhafu yokuzisebenzela.

I-Entiry

Iimpazamo zixabisa imali okanye ziphawule i-IRS. Hlala uqinisekisa:

  • Amagama nenombolo zoKhuseleko lwasekuhlaleni ziyafana kanye (kuquka amagama apheleleyo asemthethweni amaqabane kunye nabameli).
  • Iinombolo ze-akhawunti yebhanki yogcino oluthe ngqo zichanekileyo(-enye imivo engalunganga ingalibazisa i-refrey yakho okanye iyithumele kumntu ongamaziyo.
  • Yonke ingeniso ixelwe (kwanee-frence gigs) ezincinci zifumana iikopi ze1099 kunye neemasti ezinqamlezileyo).
  • Iinkokhelo netyala zichazwe kakuhle (umz., awunakuyibiza iEITC ukuba unentlobo ezithile zengeniso yotyalo-mali kufutshane).
  • IAGI yakho ukususela kunyaka ophelileyo (esetyenziswe njengotyikityo lwe elektroniki) ifakwe ngokuchanekileyo.

Iimeko Eziqhelekileyo

  • [[UMTL:0] Form 862 ukuba uthe iEITC kwaye ibingavumelekanga kunyaka ongaphambili.
  • [[UMTL:0] IForm 6251 yeyona Mncinci Irhafu (AMT) ukuba ingeniso yakho iphezulu kakhulu.
  • [[UMTL:0] IForm 5329 kwirhafu eyongezelelekileyo kwiiplani zomhlala-phantsi ezifanelekileyo (umz., ukusasazwa kwangaphambili).

Ukuba usebenzisa ibhaso, kufuneka banikezele ikopi yokubuya kwakho okupheleleyo. Ungayityikitya ifomu engabhalwanga nto.

Inyathelo 4: Hlola Ukubuya Kwakho Ngokucokisekileyo

Phambi kokutyikitya okanye ukuthobela, yenza uhlolo lokugqibela. Eli nyathelo libamba iimpazamo ezinokuthi i-software ingabinakuphoswa lucwangciso okanye ugcino-lwazi olugqwethekileyo.

Uluhlu Lokukhangela

  • Imeko eqinileyo: Ilungile? (Isiphelo: Intloko yendlu ifuna ukuba uhlawule ngaphezu kwesiqingatha sendleko zendlu kwaye unomntu ofanelekayo ohlala nawe.)
  • Zonke iingeniso zixelwe: Thelekisa ingeniso yakho epheleleyo ukunqumla ko1099 kunye noW-2 ngenani elingenisiweyo.
  • Ezisesikweni vs. Iingcebiso eziqulethweyo: Baleka amanani .Imali ihlawulwa kuphela ukuba iyonke ingaphezulu kwencopho ezisezantsi. Ngo-2024, isinyusi esisezantsi singu-$4,600 (isinye), R2,900 (HOH), kunye ne $200 (ilungu elidityanisiweyo).
  • [[Umthetho:0] Ukungalingani kwetyala: Khangela imithetho yemo yemfuno. Umzekelo, ityala lerhafu yomntwana lifuna ukuba umntwana abe ngaphantsi kweshumi elinesixhenxe ngonyaka ekupheleni kwaye abe ne SSN esemthethweni.
  • [[FLT: 0] IMath yokungaguquki: Nangecomputer, qinisekisa ukudibanisa yonke. Iifayile zephepha kufuneka ziphinde zibale ngesandla okanye zisebenzise ikhaltyuleyitha.
  • Izityikityo kunye nemihla: Iifayile kufuneka zinikezele kunyaka ongaphambili AGI okanye i-PIN ezizikhethayo. Iifayile zephepha kufuneka zityikitye (obabini amaqabane ukuba batshatile ngokudityanisiweyo).
  • [[FLT: 0] Iziqhoboshelo: Ukuba ipali yephepha, iquka zonke iindidi nemisebenzi efunekayo (umz. W-2 ikopi B). Iifayile ngokuzenzekelayo zithumela iziqhoboshelo zamanani.

Iimpazamo Eziqhelekileyo Kwiflegi

  • Amanani oKhuseleko loNtlalo angekhoyo okanye angachananga (ingakumbi axhomekeke kwabaxhomekeke).
  • Uzibanga uxhomekeke kumntu ongakufanelekeliyo (umsebenzi, ukuhlala, uvavanyo lwenkxaso).
  • Ukufumana ingeniso kwi-1099 njengomvuzo endaweni yengeniso yokuziqesha (irhafu yokuzirhwebela).
  • Ukungaphumeleli ukuchaza irhafu karhulumente ukususela kunyaka ongaphambili ukuba uthelekisa irhafu yeli lizwe.
  • Ukubala okuphosakeleyo ityala lerhafu yabantwana okanye ukungahoyi imiqobo ephezulu.

Inyathelo 5: Fayili Ukubuya Kwakho Phambi Komfi

Ixesha lokugqiba lokugcinwa kwerhafu karhulumente lidla ngoAprili 15 (okanye usuku olulandelayo lweshishini ukuba luyehla ngempelaveki okanye ngeholide). Ngo-2025 (uhlaziyo 2024), ixesha eligqityiweyo nguAprili 15, 2025. Amanye amaphondo akwanomhla wexesha elingu-15 ka-Aprili 15, lo gama amanye ehlukene (umz. Hawaii, Louisiana). Hlola i-webhsayithi yesebe lemali karhulumente wakho.

Ukujinga ngombane

Unyuso luyindlela ekhawulezayo, ekhuseleke kakhulu. Iinkqubo ze-IRS zibuyisela kakhulu ifayile kwiyure ezingama-24 nomba phakathi kweentsuku ezingama-21 ukuba ukhetha ugcino oluthe ngqo. Unga faka ifayile ukuya kumbindi- October ukuba unesongezo (jonga ngezantsi). Iinkqubo ezininzi zecomputer zerhafu zibiza umrhumo wombuso wokufihlwa kwe-e, kodwa inkqubo yeFederal ikhululekile kwifayile ekhululekileyo okanye iifomu eziGcwatyisiweyo.

Ukuthumela Iposi Ukubuya Kwakho

Ukuba ufako lwephepha, sebenzisa idilesi ye IRS elungileyo yezwe lakho (efunyenwe kwimiyalelo ye Cal 1040). Yithumele nge posi eqinisekisiweyo enerisithi yokubuyisa ukuqinisekisa umhla we shell. Umhla wophawu lweposi ubala njengomhla wakho wokulayisha.

Icela ulwandiso

Ukuba awuwugqibi ngoAprili 15, ungacela ngokuzenzekelayo ulwandiso lwenyanga ezintandathu usebenzisa [[FLT: 0] 'FLT'. Oku kwandisa ixesha lokugqiba ityala ngo-Oktobha 15. Kodwa ke, olu hlomelo lusebenza kuphela [[ ukukhupha [[FLD:3], hayi [[[FLT:]], hayi [[[FLT]]] [. Umele uhlawule nayiphi na irhafunqu eqikelelweyo ebotshelelweyo ngoApril 15 ukuze uphephe iso nenzala. Ukuhlawula, ungasebenzisa ikhadi lokuthenga ityala, okanye iposi ngokuthelekelelwayo. Ukuba uhlawula, uza kuhlawula ukuhlawula ityala, uza kuhlawula isohlwayo-0% yenyanga (25%) yerhafubhiso-ethi ye-ethi.

Ukubhabha Emva Kokufa

Ukuba uphoswa lixesha ngaphandle kolwandiso, izigwebo zongeza. Isohlwayo sokungaphumeleli ukuya kwifayile si-5% serhafu engahlawulwayo ngenyanga (max 25%). Ukuba ufanelwe yirefu, akukho sisohlwayo sefashoni yasemva, kodwa ulahleke xa ungafaki fayile kwiminyaka emithathu kumhla wonyaka wokuqala.

Inyathelo 6: Gcina Ingxelo Ngeminyaka Emithathu Esesilohweni

Emva kokubhala, ukugcina iikopi zamaxwebhu akho kunye namaxwebhu axhasayo. I-IRS iqhele ukuba neminyaka emithathu ukusuka kumhla wefashoni (okanye iminyaka emibini ukusuka kumhla werhafu ihlawulwa, nokuba yiyiphi kamva) ukuphicotha ubuyiselo lwakho. Ukuba uthe wangayixeli ingeniso engaphezu kwama-25%, iwindow inwenwela iminyaka emithandathu. Ukuqhatha kuvumela i-IRS ukuba ibuyele ngokungenasiphelo.

Oko umele ukugcine:

  • Imali egqityiweyo yokubuyisela irhafu (ityala nemeko).
  • Zonke iiW-2, 1099, kunye nezinye iingxelo zengeniso.
  • Irejista yemali netyala.
  • Iingxelo zebhanki ezibonisa intlawulo okanye isheki.
  • Ukubhalelana neIRS.
  • Iingxelo zolwandiso ezigcinwe (Form 4868).

Gcina iikopi eziphathekayo kwintlobo ezikhuselekileyo ezikhuselekileyo okanye ezisetyenziswayo ezifihlakeleyo zamanani. Ukulahlwa okukhuselekileyo, ukudala amaphepha emva kommiselo wommiselo wommiselo wokuphelelwa. Ukuba uneshishini okanye indawo yotyalo-mali, gcina iirekhodi zobomi bempahla kunye neminyaka emithathu emva kokulahlwa.

Iimpazamo Eziqhelekileyo Ofanele Uziphephe

Kwanabalawuli befayile bamava batyibilika. Nazi iimpazamo ezisoloko zikho nendlela yokuzikhusela:

  • [[UMTL: 0] Ukwenzeka emva kwexesha kungekho zandiso: Rhoqo faka ulwandiso ukuba awukwazi ukugqiba ixesha elimisiweyo. Isohlwayo sentlawulo yasemva kwexesha sisezantsi kakhulu kunesohlwayo sefashoni yasemva.
  • [[UMTL: 0] Ingxelo echanekileyo ye-IRA okanye i-HSA Iminikelo: La maxa kufuneka ahambelane neerekhodi zequmrhu lakho. Ukuqhatha kakhulu kubangela irhafu ekhutshwayo.
  • [[UMTL:0] Ukukhupha Ingxelo Ngezonke Ingeniso: I-IRS ifumana imibhalo yazo zonke iiW-2 kunye nee-1099. Ingeniso eyongezweyo ikhokelela kwimivuzo ephantsi kunye nenzala.
  • I-Celsible Curbents ezingagqibekiyo: qinisekisa ukuba ixhomekeke kwilungu ngalinye lidlula ulwalamano, ubudala, indawo yokuhlala, kunye neemvavanyo zokuxhasa. I-IRS ihlola ngokunzima iimfuno ezixhomekeke kwi-ankile.
  • [[FLT: 0] Imposiso zemath:[[FLT: 1] Ngokukhethekileyo kwibuyiselo yephepha. Sebenzisa i e- file ukuphelisa iimpazamo zezibalo.
  • [[UMTL: 0] Ukungatyikityi Ubuyiselo Lwakho: Ukubuya kwephepha okungenaphawu kujongwa njengokungasebenzi. Iifayile kufuneka zinikezele utyikityo lwamanani (unyaka-nyaka AGI okanye iPIN).
  • [[NTL: 0] Ukuphumelela Ukuchaza Iityala Lamazwe Angaphandle: Ukuba unetyala lemali phesheya kwe R1 000, ungafuna ukwenziwa ifayile i FBAR (Ifomu yeFIN 114) ngokwahlukileyo. Imali ebhalisweyo yokungagqibeleli inzima.
  • [[FLT: 0] Ukugweba irhafu yelizwe: Umazwe amaninzi afuna ukubuya ngokwahlukeneyo. Ukungaphumeleli uku faka ulawulo lungaphumela kwisohlwayo somgangatho wemeko kunye nomdla.

Isiphelo

Irhafu ezinyuswayo ngexesha azinakusetyenziswa xa ufuna ukuphepha ukudibanisa urhulumente norhulumente. Ngokuqonda ubume bakho bokuqokelela, ukuqokelela amaxwebhu kwangoko, ukukhangela indlela yokulungisa ishefu elungileyo, ukuqwalasela ngenyameko ukubuya kwakho, nokuhlangabezana nommiselo (okanye ukucwangcisa ulwandiso), ujika umsebenzi onzima ube ngumsebenzi olawulekayo wonyaka ngamnye. Sebenzisa ubuncwane obudweliswe apha `IRS Free File, VITA, uncedo lobugcisa. Khumbula ukugcina amakhophi ento yonke ubuncinane iminyaka emithathu. Ngokucwangcisa nokunika ingqalelo kulwazi, ungafaka ifayili kwaye ufumane ngokuzithemba nayiphi na into ebuyiselweyo enokwenzeka ngokukhawuleza.