Yintoni Irhafu Ehlawulwayo Yaye Kutheni Kubalulekile?

Irhafu yemali ehlawulwayo inyanzelekile ngurhulumente kwingeniso yabantu, amashishini, namanye amaqumrhu. Yakha isiseko semali kawonke-wonke kwiintlanga ezininzi. Ummi ngamnye ofumana ingeniso (enokuba ngumsebenzini, kutyala, okanye kwimisebenzi yokuziqesha), isoloko ifuneka ukuhlawula inxalenye yaloo ngeniso kurhulumente. Eli nqaku liquka iimfuno zerhafu yengeniso, indlela ehlawulwa ngayo, indima yayo kwibutho labantu, kunye namanyathelo asebenzayo omele uwathabathe ukuze ulawule iimbopheleleko zakho zerhafuthelo ngokunelisayo.

Ukuqonda irhafu yengeniso akungokwenza nje uhambelane nomthetho; kwakhona kukunika amandla okwenza izigqibo zemali ezingcono. Okukhona wazi kakhulu ngeentengiso, iityala, kunye nezibiyeli zerhafu, kokukhona unokuziceba kakuhle imali yakho ukunciphisa irhafu yakho ngokomthetho. Kwinkcukacha ezisemthethweni, i-Interal Revenuence Service [IRS:1] inika abaxhasi berhafu ababanzi be-U.S.

Indlela Yokuhlawula Irhafu: Imigaqo Yentengiso

Iinkqubo zerhafu ezihlawulwayo ziyahluka ngokwamazwe, kodwa ezininzi zakhiwe kwiingcamango ezimbalwa ezisisiseko. Ukuyiqonda le migaqo kuya kukunceda uqonde iimbopheleleko zakho zerhafu uze ucebe ngokufanelekileyo.

Inkqubo yerhafu eqhubekayo

Kwinkqubo yerhafu ehambela phambili, umlinganiselo werhafu unyuka njengoko ingeniso inyuka. Ingqiqo kukuba abo bafumana imali eninzi banokunikela ngesabelo esithe kratya. Le yimodeli esesikweni kumazwe anjenge-United States, Canada, kunye neyona Yurophu. Umzekelo, kwiU.S., irhafu yi 10%, 12%,2%, 24%, 32%, 35%, 37% ngonyaka werhafu, isebenza kwiimali ezahlukeneyo zengeniso.

Imida. Isantya serhafu esinempumelelo

Abantu abaninzi abaqondi kakuhle indlela osebenza ngayo isantya senkqubela phambili. Umlinganiselo wakho werhafu engundoqo [[FLT: 1] ngumlinganiselo osetyenziswa kwidola yakho yokugqibela yomvuzo, ngelixesha ipesenti yerhafu esebenzayo[ lixabiso eliphakathi olihlawulayo olihlawulayo kuyo yonke ingeniso yakho. Umzekelo, ifayile enye ehlawulwayo ingawela kwi 22% yebriji yomgca osezantsi, kodwa isantya sayo esisebenzayo sinokuba malunga ne12% ngenxa yokuba ibrakethi ezisezantsi zihlawulwa ngesantya esisezantsi. Ukwazi oku kunceda ukuba ifomatili okunyusayo kungayiqhubela phambili kwaye ikushiye uhlawulwa kancinci kwibhaso-ebhaso entsha ihlawulo oluphezulu.

Ingeniso ehlawulwayo

Asiyongeniso yonke oyifumanayo ehlawulekayo. ingeniso ehlawulekayo yingeniso yakho epheleleyo ethabatha iincopho ezithile kunye nokungahlawulwa. Ingeniso ingaquka iminikelo kwi-akhawunti yomhlala-phantsi, inzala yomfundi, kunye neendleko zoshishino kubantu abaqeshiweyo. Ukuqonda oko kufanelekileyo njengengeniso yerhafu kubalulekileyo kwiseti eyiyo. Isikhokelo se-I-INTP [FLT] esimiselwe kwingeniso ehlawulwa yirhafuyo inika ukonakalisa okucacileyo koko kubalulekileyo.

Izibiyeli Zerhafu Nendlela Ezisebenza Ngayo

Izibiyeli zerhafu zizintlobo zengeniso ehlawulwayo ngokwexabiso elithile. Umzekelo, kwizibiyeli zerhafu ze-U.S.

  • I-10% kwingeniso efikelela kwii-R2 600
  • I-12% kwingeniso esuka kwii-R1601 ukuya kwii-47 150
  • 22% kwingeniso esusela kwii-47 151 ukuya kwi-100 555
  • Kunjalo ke.

Kuphela yingeniso kwizibiyeli ngasinye ehlawulwayo ngokomlinganiselo. Kungoko unyuso olukuqhubela kwisibiyeli esiphezulu lungachaphazeli yonke ingeniso yakho.

Isizathu Sokuba Irhafu Ikho: Ukuxhasa Uluntu

Irhafu ehlawulwayo ayiyonkcitho nje yobuqu; sisixhobo sokutyala ishishini elimanyeneyo.

  • Izibonelelo ze-Public: Iindlela, iibhulorho, izikhuseli zenqwelo-moya, kunye neenkqubo zothutho lukawonke-wonke zixhaswa kakhulu ngengeniso yerhafu. Ezi zinto zisisiseko somsebenzi wezoqoqosho kunye nobomi bemihla ngemihla.
  • [ Imfundo kunye nonyango: izikolo zikawonke-wonke, iiyunivesithi, izibhedlele, kunye neenkqubo ze-inshorensi yempilo (njengokuthi iMedicare kunye neMedicaid e-U.S.) zixhomekeke kwi-erandi yerhafu. USA.gov inkxaso yemfundo yemali yerhafu kwiphepha[ ibonisa indlela yemali yerhafu exhasa ngayo imfundo.
  • Iminatha yokhuseleko: Iinkqubo ezifana noKhuseleko lweNtlalo, inzuzo yokungaqeshwa, uncedo lokutya, kunye neenkonzo zamagqala zixhaswa ngerhafu, zibonelelwa ngesigcini-mphantsi ngexesha lobunzima bezoqoqosho.
  • Ukhuselo lohlanga nokhuseleko lukawonke-wonke:[ Umkhosi, amapolisa, amasebe omlilo, kunye neenkonzo zongxamiseko zixhaswa ngemali yerhafu ukuze kugcinwe abemi bekhuselekile.
  • [[UMTL:0] Umnikelo wobutyebi: Iinkqubo zerhafu eziqhubekekayo zinciphisa ukungalingani kwengeniso ngokufuna abangeni-mali abaphezulu ukunikela ngenkxaso engakumbi, enceda iinkonzo zemali ezinceda amaqela afunyenweyo aphantsi.

Ngaphandle kwerhafu, oorhulumente abaninzi bebeya kuswela ubuncwane bokunyamekela le misebenzi ibalulekileyo.

Amalungu Angundoqo Okubuya Kwakho Kwerhafu

Iirhafu ezithengeni zibandakanya ukuchaza ingeniso, ukuthengwa kwemali ehlawulwayo kunye netyala, nokubala imali ofanele uyihlawule okanye imali oyihlawuleleyo. Nazi iziqalelo ezibalulekileyo umntu ngamnye ohlawula irhafu kufuneka aziqonde.

Ingeniso Efanelekileyo (AGI)

I-AGI ingumvuzo wakho wonke ovela kuyo yonke imithombo thabatha izincopho ezithile ezifana neminikelo kwi-IRA, inzala yomfundi, kunye nemali-mboleko ye-antimonium (kwizivumelwano ezindala). I-AGI ibalulekile kuba iincopho ezininzi kunye neetyala zisekelwe kuyo. Imiyalelo ye-IMPIRS [ ichaza indlela yokubala inyathelo ngalinye.

Izixhobo zokunyusa nokuhlisa isantya ezisezantsi

Abanikeli berhafu bangakhetha phakathi kokuthatha isixa esithe tyaba [[FLT: 0] esisesikweni okanye ukudwelisa izixa-mali ezithengiweyo [ njengenzala yendlu, irente kunye nerhafu yasekuhlaleni (ukuya kumda) neminikelo yoncedo. Kufuneka uthabathe nayiphi na into kwimali esezantsi yerhafu. Ngo-2024, isinyuko esisezantsi singu $4,000 yamaphepha efayile enye kunye ne $2200 [iiiiiiiiiiimali ezifatyikityiweyo ezithelwe zitshatileyo. Ukuba izihlalo zakho ezidityanisiweyo zingaphaya kwezi mali, ukunindisa imali.

Amatyala Erhafu

Ngokungafaniyo nezintlu (ezinciphisa irhafu), amatyala erhafu anciphisa irhafu yemali ehlawulwayo.

  • [[UMTL:0] Ityala lerhafu elifunyenweyo (EITC): kubasebenzi abafumana imali ephantsi ukuya kumlinganiselo ophezulu.
  • [[Umthetho:0] Ityala lerhafu yabantwana:[[Umthetho 1] kubazali abanabantwana abaxhomekeke kumandla abo.
  • Ityala lokunika intengo: njenge American Opportunity Taxis Ityala lemali netyala lobomi.
  • Ityala elingekho mthethweni: lokufaka iindawo zolawulo zelanga okanye ezinye inkqubela-phambili zamandla.

Ukuqonda amatyala akhoyo kungawahlisa kakhulu amatyala erhafu. amatyala etyala kunye nencopho zephepha [[FLT: 1] zinika uluhlu olupheleleyo.

Ukungahoywa noqikelelo lobhatalo

Abanikazi abaninzi abahlawulwayo banerhafu ekhutshelwe irhafu egcinwe kwicheck nganye esekelwe kunyulo lweW-4. Abantu abasebenza ngokwethutyana okanye abo banengeniso ebanzi yotyalo-mali kufuneka benze inxalenye enkulu yemali ethelekelelwayo yerhafu ukuze baphephe isohlwayo. Injongo kukuba bahlawule imali elinganayo elinganayo unyaka wonke ukuze bangabi nemali elinganayo ekufuneka ithengiwe ngexesha lerhafu, okanye i-refound (ngokusisiseko yimali-mali-nzala engenanzala ehlawulwayo kurhulumente).

Ukuyibilisa Irhafu Yakho: Inyathelo Ngenyathelo

Ukuhlawula irhafu kusenokubonakala kunzima, kodwa ukuyihlawula kuyenza ibe mandundu.

  1. [[NTL:0] Amaphepha akho: Uqokelelo lweW-2 oluvela kubaqeshi, 1099 ukwenzela ingeniso engeyoyangeniso (ingeniso, umsebenzi wemali), ii-lisithi zenkcitho ehlawulwayo, kunye neengxelo zemali yerhafu eziqikelelwayo ezenziwe.
  2. Khetha indlela yesefa: Abantu abaninzi basebenzisa isoftware yokulungisa irhafu njenge Turbotax, H&R Block, okanye ukhetho olukhululekileyo olufana ne IRS Free File yabo banengeniso phantsi ko $73. Abanye baqesha i-CPA okanye ababhalisi, ingakumbi ukuba imeko yabo ibandakanya ukuqesha, iimpahla, okanye ungeniso.
  3. [[UMTL:0] dibanisa ubuyiselo: chaza yonke ingeniso, intengiso kunye netyala, kwaye ubale irhafu yakho. Qinisekisa ucoselelo ukuphepha uphicotho-zincwadi okanye izigwebo.
  4. jonga kwaye unikezele: khangela kabini izibalo zakho nolwazi lobuqu. Ifayile ye khompyutha ukwenzela uqhubekeko olukhawulezayo kwaye ukunciphisa iimpazamo. Ixesha lokusebenza liqheleke ngoAprili 15 (okanye usuku olulandelayo lweshishini ukuba liyawa kwimpelaveki). Ukuba ufuna ixesha elininzi, ucela ulwandiso olusebenzisa iForme 4868, kodwa phawula ukuba isongezo kwifayile asiyosongezo sokuhlawula/ulinganisela naliphi na ixabiso elibotshelelweyo kwaye lihliswe ngothutho lwexesha lokuqala lokuphepha isohlwayo.
  5. hlawula naluphina umlinganiselo obotshelelweyo okanye wamkele i-freethi: Ukuba unetyala, hlawula ngomhla ofanelekileyo udlula ngqo kwidebit, ikhadi lokuthenga ngetyala, okanye ezinye iindlela. Ukuba ufanele i-frection, iza kukhutshwa yi-IRS, idla ngokukhutshwa kwiiveki ezimbalwa ukuba ifakwe ngomatshini ogcina izinto ngokuthe ngqo.

Iimpazamo Eziqhelekileyo Ofanele Uziphephe

Nabahlawuleli abanemava maxa wambi bayatyibilika. Nazi iimpazamo ezisoloko zikho ezinokulibazisa ukubuyiselwa okanye ukuqhushumbisa uphicotho-zincwadi:

  • Iimpazamo [[FLT: 0] : Udibaniso olulula okanye iimpazamo zokuthabatha. Usebenzisa i-software yerhafu inciphisa lomngcipheko.
  • Ingeniso enika imposiso: Ukungaphumeleli ukuxela zonke ii1099 okanye ingeniso esecaleni. I-IRS ifumana iikopi zezi ntlobo kwaye iza kuphawula ukungangqinelani.
  • Indawo yesambuku esichanekileyo: Ukukhetha ubume obungalunganga (umz., intloko enye yendlu) ingatshintsha isibiyeli serhafu netyala lakho.
  • [[UMTL:0] Abaxhomekeke ekungangeni siseko: abaqiniseki ukuba baxhomekeke kwimithetho ye-IRS yobudala, ulwalamano, kunye nenkxaso.
  • [[FLT: 0] Ukudlotya ukutyikitya: Ukubuya okungenaphawu akusebenzi. I-filifing ifuna utyikityo lwe elektroniki.

Indlela yokwenza ukulungiselela irhafu kube lula unyaka

Musa ukulinda de kube nguAprili ucinge ngerhafu. Imikhwa enzima iyakwazi ukunciphisa uxinezeleko ize yonge imali.

Iimeko Ezikhethekileyo: Ukuzixhasa, Umsebenzi Onzima, Nongeniso

Kubalulekile ukuqonda indlela irhafu esetyenziswa ngayo kule ngeniso.

Irhafu yokuzixhasa

Ukuba usebenza okanye ungumqeshwa, ujongene nerhafu yomqeshwa kunye nomqeshi kwirhafu yeNtlalo-ntle kunye neMedicare, idityaniswe njengerhafu yokuziqesha. Ngo-2024, isantya sikwi-nethi ehlawulwayo ukuya kutsho kwi-$68,600, kunye ne-2,9% kwingeniso ngaphezulu koko. Ungasusa isiqingatha sale rhafu xa ubuyela. Ngaphezu koko, kufuneka ulandele iindleko zeshishini ezinjengamaxabiso e-ofisini yasekhaya, iimpahla, kunye nemayile yemali yokunciphisa ingeniso yakho yokuzisebenzela. [[FLT: 0] I-IS ZEMALI-EXIS . Iziko-FOLD [FULD:1]

Ingeniso

Izahlulo, inzuzo yamakomkhulu (ngokuthengisa amasheya okanye umhlaba), kwaye inzala ihlawulwa ngokwahlukileyo kunomvuzo. Ingeniso yekomkhulu lexesha elide (imigangatho egcinwe ngaphezu konyaka omnye) ihlawulwa ngokwexabiso eliphantsi: 0%, 15%, okanye 20% ixhomekeke kwingeniso yakho. Ingeniso yexeshana elifutshane ihlawulwa njengengeniso eqhelekileyo. Ukuqonda amaxesha okuthengisa ixesha kunokukunceda ukunciphisa irhafu. Kwakhona, ingeniso inokuba “ungeniso” (ehlawulwa ngexabiso elikhulu) okanye“ ingeniso engahlawulwa yimali-ogxamplate" (engahlawulwa yingeniso eqhelekileyo).

Irhafu yengingqi neyokuhlala

Amaphondo amaninzi kunye nezinye izixeko irhafu yengeniso yelevy. Iirhafu kunye nemithetho yerhafu ziyahluka ngokubanzi-phindaphindeka-phindene-phinda-phindeneyo---------angs, amanye amazwana anemida eqhubekekayo, kwaye asixhenxe (Alaska, Florida, Nevada, South Dakota, Texas, Texas, Wyoming) akanayo irhafu karhulumente. Ukuba uhlala kwilizwe elinerhafu yengeniso, kuza kufuneka ulungise imbuyekezo yombuso owahlukileyo. [[FLT: 0]] Imithwalo yerhafu yerhafu yerhafu

Inkcitho yophicotho-zincwadi nendlela yokuphepha uphicotho-zincwadi

I IRS iphicotha ipesenti encinane yezibuyiselo nyaka ngamnye. Ngelixesha uphicotho-zincwadi olungacwangciswanga lusenzeka, ezinye izinto zinyusa umngcipheko wakho:

  • Ingxelo yemali efunyenweyo engangqinelaniyo neefomu ze-IRS (W-2, 1099).
  • Uqikelelo olugqithiseleyo olunxulumene nengeniso yakho (Ngomzekelo, iminikelo yokunikela engaphaya kweepesenti eziqhelekileyo.
  • Ishishini elinobunzima bemali (njengevenkile yokutyela okanye i-salon) apho kulula ukunikela ingxelo engaphantsi.
  • Ukufumana ii - R2 000 000, nto leyo ebangela ukuba uhlolwe ngakumbi.
  • Ukubuyisa ngempazamo okanye ukungavumelani.

Ukucutha umngcipheko wophicotho-zincwadi, chaza yonke ingeniso, gcina iirekhodi ezicacileyo, kwaye sebenzisa uqikelelo olusengqiqweni lwentengiso. Ukuba uyafumana isaziso sophicotho-zincwadi, hlala uzolile kwaye uphendule ngokukhawuleza ngoxwebhu. I-IRS inkqubo yophicotho-zincwadi iphepha [ ichaza oko unokukulindela.

Isiphelo: Ukulawula Ubomi Bakho Berhafu

Ukuhlawula irhafu kuyinxalenye engenakuphepheka yobuntu obukhulu, kodwa ukuqonda iinguqu zayo zerhafu kuguqula ekubeni imbopheleleko edidayo ibe ngumsebenzi olawulekayo. Ngokufunda indlela izibiyeli zerhafu, iintengiso, kunye nomsebenzi wokuthenga ityala, ungenza izigqibo zolwazi ukutyhubela unyaka onciphisa umthwalo wakho werhafu kwaye uphephe izinto ezimangalisayo ngexesha lokugcina ixesha. Gcina iirekhodi ezifanelekileyo, zigcine zihlaziyekile kwiinguqu zomthetho werhafu, kwaye ungathandabuzi ukufuna uncedo lobugcisa xa imeko yakho intsonkothile. Ummi ngamnye uzuza ngoku ngenxa yokufumana irhafuthezo eziqinileyo zerhafu, kodwa kwakhona ngokugcina iingxelo ezingakumbi zemali ozifumanayo. Qwalasela ngoku ngoku ukubukeza kwakho, ukulungiselela amaxwebhu akho, nokulungiselela phambi kwexesha. Umzamo wakho uya kuhlawula kamva.