Ukuqonda irhafu netyala kubalulekile kumntu okhangela ukunciphisa iimfanelo zerhafu zakhe zonke ngexesha elinye ngoxa exhasa intlalo-ntle kunye nebutho labantu. Ezi zixhobo zemali zenzelwe ukukhuthaza ukuziphatha okukhethekileyo . njengokunikela ngesisa, ukunikela ngezemfundo, nokuphucula ubuchule bokusebenza kwamandla . Oku kunceda abantu kunye nabantu. Kodwa abahlawuleli abaninzi bashiya imali etafileni kuba nje bengaqondi ngokupheleleyo ukuba iintengiso kunye nokubolekisa iimali zinokuyinyusa njani inkcitho okanye indlela yokuzinyusa. Olu khokelo lwandisiweyo luhamba ngokuphuma kuyo yonke ingcamango engundoqo, ukusuka kwimibazo engundoqo ekhoyo kunye nemali esetyenziswayo ekulungiseni irhafuthezeni irhafu yakho. Ukuba ungumqeqeshi wexesha lokuqala okanye umqethisi-mali, uyakwazi ukuguqula indlela oqhuba ngayo iminikelo yakho yonyaka.

Ukuqonda iiDedies ngokuchasene. Amatyala: Umahluko

Phambi kokuntywila kwilungiselelo elikhethekileyo, kubalulekile ukuqonda umahluko phakathi kwerhafu netyala lerhafu. Ngoxa zombini zinciphisa ityala lerhafu olibopheleleyo, zikwenza oko ngeendlela ezahlukeneyo, kwaye umahluko uchaphazela ixabiso olifumeneyo.

Indlela Osebenza Ngayo Unyango

Uhlaziyo lunciphisa ingeniso yakho yerhafu. Ityala lerhafu libalelwa njengepesenti yemali yakho ehlawulwayo, ngoko ke ukunciphisa ingeniso inciphisa irhafu oyityala. Inzuzo yokwenene yokuhlahlela ilingana nexabiso lerhafu eyandisiweyo ngexabiso lerhafu elingumgangatho osezantsi. Umzekelo, ukuba ukwisibiyeli serhafu engama- 22% kwaye uthelekisa imali exabisa u-R3, ugcina ii-$20 kwirhafu. Umlinganiselo ophezulu, intlawulo oluphezulu kakhulu, ukuhlawuliswa kwemali engaphezulu.

Indlela Amatyala Asebenza Ngayo

Ityala lerhafu linika unciphiso lwemali yerhafu. Ukuba unetyala lerhafu elingu $2,000 kwirhafu kwaye ufanelekela ityala lemali-mali elingu $500, mali yakho yehla ibe ngu-$1,500. Amatyala adla ngokunamandla kunentengo ngenxa yokuba ehlisa irhafu yakho ngqo, kungakhathaliseki ukuba umgangatho wakho usezantsi. Amanye amatyala anokuhlawulwa [[FLT: 0], okuthetha ukuba ukuba ukuba ityala lingaphezulu kwemali yerhafuthenti yakho, uyawufumana umahluko njengemali ehlawulwayo. Ityala elingahlawulwayo linokunciphisa irhafuthensi yakho ibe ngu-0; nayiphi na eyongezelelekileyo ilahlekileyo.

Isizathu Sokuba Umahluko Ubaluleke Kwiminikelo Yombini

Amatyala amaninzi kunye nezincomo zemali zenzelwe ukuvuza ityala loluntu ngokusemthethweni .Njengokuba unikela kwimali yokunceda abasweleyo, ufakela izixhobo ezisebenzayo, okanye uqhubekeke nemfundo ephezulu. Ukuqonda uhlobo oluncedayo oluthi lukuncede uxele kwangaphambili imali yakho kunye neminikelo ecwangcisiweyo. Umzekelo, ityala elibuyiselweyo njengeInhoold Teach Credit lingabuyisela imali epokothweni yakho kwanokuba ungenarhafu, ukuyenza ibe sisisusa esinamandla kubasebenzi abafumana imali ephantsi nengenabucukubhedu.

Irhafu Eqhelekileyo Enciphisa Ingeniso Yakho Efanele Inikelwe

Iingcebiso zezona zisetyenziswa kakhulu. Nyaka ngamnye kufuneka ukhethe phakathi kokuthabatha ulwahlulo olusezantsi okanye ukuthelekisa iincopho zakho. Isigqibo sixhomekeke ekubeni iindleko zakho zonke ezifanelekileyo zigqithe kubungakanani obusezantsi bexabiso lemali yemali eqingqiweyo yemeko yakho yokugcina. Ukuqonda ukuba ziziphi iincopho ezikhoyo/indlela yokufanelekela ezo ntlobo `inyathelo lokuqala ekunciphiseni ingeniso ehlawulwayo.

Izixhobo zokunyusa nokuhlisa isantya ezisezantsi

Kunyaka wama-2023 werhafu, uhlawulo olusezantsi luzii-R23,850 kwi-ii-intshi enye, ii-R27,700 zezibini ezitshatileyo ezidityanisiweyo, kunye nama-20800 eentloko zendlu. Abanikazi berhafu abaninzi bafumanisa ukuba isinyusi esisezantsi sikhulu kuneentengo zabo ezithenjiswe izinto, besenza kube lula. Noko ke, ukuba unekhaya, uneendleko zezamayeza ezininzi, okanye wenza iminikelo yokunceda abatshatileyo, isenokuvelisa inzuzo enkulu yerhafu. Awunakuyikhathalela yombini.

Uhlaziyo Oluqulunqweyo: Inzala

Abanini-khaya abafaka imali encinane bangayisusa inzala ehlawulwa kwindlu ehlawulelweyo esetyenziselwa ukuthenga, ukwakha, okanye ukuphucula indawo yokuhlala esisiseko okanye yesibini. Ukuhlaziywa kwemali kulinganiselwe kwinzala efikelela kwii-$750 000 zamatyala endlu ebhankini yomtshato ngokwahlukeneyo. Kubo bahlawuleli berhafu bathenga amakhaya ngaphambi koDisemba 16, 2017, umlinganiselo u-R3,000 000. Oku kuhlawulwa komcimbiso kunakho ukulingana nexabiso eliphezulu kwimimandla yemali ephezulu ekwimali ephezulu, nto leyo esoloko ithathwa njengemali yorhwebo yezezemali yoluntu kuluntu.

Uhlahlo-lwabiwo-mali oluqulunqweyo: Ilizwe neNkonkxa-mali yengingqi (SALT)

Ungayisusa irhafu yengeniso yasekuhlaleni okanye irhafu yentengiso (kodwa hayi yomibini), kunye nerhafu yempahla, kumlinganiselo odityanisiweyo we-$5 000 (R350 000 ukuba ifatyiwe ngokwahlukeneyo). Imali ehlawulisiweyo ye-SALT ehlawulelwa abaqeshi berhafu kumazwe aphezulu, nangona ikefu yentambo inciphisa iziphumo zayo xa ithelekiswa neminyaka edlulileyo.

Iminikelo ebonelelwayo

Imirhumo efanelekayo 501(c)(3) ayifumaneki xa ufaka imali. Oku kuquka imali, impahla, kunye neemayile eziqhutyelwa iinjongo zoncedo. Ngo-2023, ungahlisa i-60% yemali yakho ehlengahlengisiweyo yeminikelo yemali kwimirhumo kawonke-wonke. Iminikelo engeyo-cash, efana nempahla okanye impahla yasekhaya, kufuneka ibe kwimeko entle okanye engcono. Uxwebhu olufanelekileyo "__iiii-lishici okanye ii-lisithi ezibhaliweyo zeminikelo engaphezu kwama-$50/i-20). Izipho zakho ezithengwa ngokucwangciiiiiiiiii, njengeminikelo eqokelelwa kwimirhumo yemali yerhafu kunyaka omnye, ingakunceda ukudlula ukurhoxiwa okuqhelekileyo komda.

Ukusetyenziswa kweDeduum: Inkcitho yezonyango neyokugula

Iindleko zezonyango ezingathintelwanga ezingaphaya kwe-7,5% zengeniso yakho elungelelanisiweyo azinakufumaneka. Iindleko ezinokusetyenziswa ziquka ukutyelelwa ngugqirha, amayeza kagqirha, ukuhlala esibhedlele, unyango lwamazinyo, kwanemali ethile ye-inshorensi yokunyamekela abantu emva kwexesha elide. Kwabahlali okanye iintsapho ezineengxaki zempilo ezinganyangekiyo, ezi zinokuqwalaselwa zibalulekile.

Iingcebiso ezingaphezulu-kumgca

Ezinye iintengiso zikhona nokuba awuzifaki. Ezi “ngasentla-mgca” zinciphisa ingeniso yakho ehlengahlengisiweyo ngqo. Imizekelo iquka iminikelo kwi-IRAs yesithethe, inzala yomfundi (iiiR1,500), iminikelo yemali egciniweyo yempilo, kunye neendleko zomfundisi (ukuya ku-$300). Ezi zixabiseke kakhulu kuba zinciphisa i-AGI yakho, nto leyo enokuthi ibangele ukuba ikwazi ukukholeka kwezinye iityala kunye neemali ezithehlawulwayo.

Amatyala Erhafu Aqhelekileyo Abuyisela Imali Kwipoki Yakho

Ityala lerhafu linempembelelo kunemali ehlawulwayo kuba linciphisa irhafu elibolelwyo.

Ityala lerhafu elifunyenweyo (EITC)

IEITC lityala elinokunyuswa kubasebenzi abafumana imali ephantsi. Ngo-2023, ubuninzi betyala li-$7,430 kwiintsapho ezineemfanelo ezintathu okanye ngaphezulu. Kwanabasebenzi abangenabantwana bangakufanelekela ukuthenga ityala elincinane lokuthenga ngemali (R6 600). Amacandelo okutyala aphela njengengeniso enyukayo. Ngenxa yokuba i-EITC izakuphinde ifumaneke, i-EITC ingaphumela kwi-intellinggn, iyenze ibe nye yezixhobo ezinamandla zokulwa nerhafumfa kwikhowudi yerhafu. Ukuyibeka, kufuneka uhlawule irhafu, nokokuba ingeniso yakho ingaphantsi komda wemali. IRS inikeza isixhobo soncedo lwe-EITC proviced projective ukufumana uncedo loncedo lwe-gnignignig.

Ityala lerhafu yabantwana (CTC)

Ngo-2023, iCTC ixabisa ii-$2,000 (ii-$2 000) ngamnye ofanelekela umntwana ongaphantsi kweminyaka eli-17 ubudala, ukuya kutsho kwii-$1,600 zelo xabiso zinokuhlawulwa (ityala lerhafu eliseMbindini lomntwana). Ityala liqala ukukhutshwa kwifayile enye enengeniso ehlengahlengisiweyo engaphezulu kwee-R2,50 000 (R1,50 000). I-CTC inika inkxaso yemali engqalileyo kwiintsapho kwaye lilungu elingundoqo lenkqubo yerhafu ejolise ekunciphiseni ubuhlwempuzelo babantwana.

Amatyala Emfundo

Amatyala amabini aphambili anceda ekunciphiseni iindleko zemfundo ephakamileyo: Ityala Lerhafu LaseMerika (AOTC) neSiqwenga Sokufunda Sobomi (LLC).

  • Ityala leTroffic Trought yaseMelika: Ixabiso elimalunga ne $2,500] kumfundi ofanelekileyo kwiminyaka emine yokuqala yemfundo yesekondari. Ukufikelela kuma-40% emali yokuthenga ityala iyancipha. Iindleko ezineenkcukacha ziquka intlawulo, iindleko, kunye nezixhobo zemfundo. Icandelo lokuthenga ngetyala likhupha iifayile ezithile ezine AGI ngaphezulu ko $80 000 (R160 000).
  • [[FLT: 0] Ityala lokufumana ubomi: Inikezela ngonyuko lwerhafu nganye efunekayo kwi-AOTC/59,000 kwimali yemali yemali efunekayo yemali ephantsi kwe-adduate, okanye ikhomishini yeqonga. Ayitshintshi kwaye ayinamda kwinani leminyaka onokuyibiza. Umgama ongaphandle wesigaba usezantsi kune AOTC. $59,000 kwi-$6,000 yeefayile ezikodwa ngo-2023.

Omabini amatyala akanakubhaliswa kumfundi omnye kunyaka werhafu omnye, kodwa ungatshintshana phakathi kwawo. Ukuze ufumane iinkcukacha ezithe vetshe, bona [[FLT: 0] ii-IRS Imfundo yephepha [[[FLT: 1]].

Amatyala Okwanela Kwamandla

Abanini-khaya abenza inkqubela-mandla esebenzayo banokubiza ityala lokuphucula Amandla Ekhaya (elinokuba ngama-30% exabiso lokuphuculwa okufana nokulungiswa kwemijikelo, iifestile, iingcango, kunye neempompo zobushushu) ukutyhubela 2032. Kukho iihempe ngonyaka: ii-$200, kunye nemilinganiselo ephezulu yokukhupha ubushushu (R2,000) kunye nezitofu ze-biomas (R3,2 000). Ngaphezu koko, iResilentient Ezona Njengcs Intengo zeGcibo kwixabiso lemibhobho engaphandle lelanga, i-injini yobushushu, i-injini yobushushu obujikeleza umhlaba, iimpompompo zobushushu, kunye nebhethi yebhetri engenayo ipesenti yemali. Oku kunciphisa irhafu yakho ngoxa kucutha ii-carbonprint.

Amanye Amalungelo Anokuphawulwa

  • [[NTL: 0] Ityala lomntwana nelokunyamekela ityala: Inceda ukuhlawulela iindleko zomntwana ongaphantsi kweminyaka eli-13 okanye umntu omdala oxhomekeke kumntu omdala ukuze usebenze okanye ukhangele umsebenzi. Ngo-2023, ityala lifikelela ku-$600 kumntu ofanelekayo okanye u-$200 (R1,000) okanye ngaphezulu.
  • [[Umthetho:0] Ityala lerhafu lePurium: Likhona kubantu kunye neentsapho ezithenge i-inshorensi yempilo nge-Inishorensi ye-Exprese. Ityala lifanele ukuqhubekeka kwaye lisekelwe kwingeniso enxulumene nomgangatho wobuhlwempu wesizwe.
  • [[Umthetho:0] Ityala lokugcina: ikhuthaza abasebenzi abafumana imali ephantsi nephakathi ukuba banikele kwii-akhawunti zomhlala-phantsi. Ityala lixabisa i 10% ukuya kwi 50% yeminikelo ukuya kwi R2,000 (R1,000 kwiifayile ezidityanisiweyo).

Indlela ecwangcisiweyo yokunciphisa izicwangciso

Ukwazi ukuba yiyiphi intlawulo nemali ekhoyo yesiqingatha sedabi. Ukuze uphucule iminikelo yakho yezentlalo uze unciphise ityala lakho lerhafu, kufuneka usebenzise icebo elivumelana nemeko yakho yemali. Ezi ndlela zilandelayo ziza kukunceda uzuze okungakumbi kwirhafu.

Khetha i Fayile Menu

Ubume bakho bokufaka ishedi yeshefu ye-odoli yesibini kuphela, etshatileyo, egawuliweyo, entloko yendlu, okanye efanelekela umhlolokazi (umhlolokazi) ```iintengiso'''' zakho ezisemgangathweni, izibiyeli zerhafu, kwaye ilungele ukuthengwa kwabantu abaninzi. Izibini ezitshatileyo zidla ngokungenelwa ngokuqokelela kunye, kodwa kwezinye iimeko ukuqokelela ngokwahlukeneyo kungagcina umlinganiselo othile wetyala okanye unciphise isigaba. Intloko yemeko yasekhaya inika umgangatho omkhudlwana kunye nezibiyeli zerhafuthezo ezininzi, ngoko ukuba uyakufanelekela, yisebenzise.

Iingcebiso ezikhutshiweyo zokudlulisa uDeduus osezantsi

Ukuba uhlawulo lwempahla yakho olubonakalayo lusoloko lungaphantsi kwentsalela esezantsi, cinga “ngokutsha.” Umzekelo, ungaphinda-phinda kwiminikelo yoncedo nyaka ngamnye, okanye uhlawulwe kwangaphambili kwerhafu yempahla yonyaka ozayo (kunye necawa ye-SALT). Ngokunikelw iintlawulo kwiminyaka yerhafu etshintshiweyo, ungafaka imali eqingqiweyo kwabanye ngaloo minyaka, ukwandisa imali epheleleyo phezu komjikelezo weminyaka emibini. Le ndlela isebenza kakuhle kubanini-khaya nakuzo zibonelelo.

Iminikelo Yomhlala - phantsi

Ukunikela kwisithethe se-IRA okanye 401(k) inciphisa ingeniso yakho ehlawulekayo ye-dolar-odolar (inemida). Ngo-2023, unganikela kwii-$6,500 (R3 500 (R12,000 ukuba uneminyaka engama-50 okanye ngaphezulu) kwi-IRA kwaye unyuse kwii-$2,500 ($2,50 000 (R1,000) ukuya ku- 401(k). Ayiyithobi kuphela imali yakho yerhafu, kodwa ikwayakha nemali yomhlala phantsi. Ukuba ulindele ukuba kwibhaso elisezantsi lerhafu kwidreji yerhafu, ukuhla kwemali ephezulu kubaluleke kakhulu.

Amathuba Okwandisa Imfundo Ngaphambi Kokuba Bafe

Ukuba ungumfundi okanye uxhomekeke kwikholeji, ukubala ukuba yeyiphi ingeniso yemfundo enika inzuzo eninzi. I-AOTC isoloko inesisa ngakumbi kwiminyaka emine yokuqala ngenxa yesabelo sayo esizinzileyo kunye nemali yayo yokuthenga ngetyala ephezulu. I-LLC ilunge ngakumbi kwizifundo eziphumeleleyo okanye ingeniso yenxalenye yexesha elithile. Awunakuyifaka komnye umfundi, kodwa unokuyibiza i-AOTC ngomntwana omnye ne-LLLC ngenxa yomnye. Musa ukuyibetha ngoyaba i-Tuio no-Feduction (ethi inokuba ikhona kwiminyaka ethile) kodwa phawula ukuba ayizange yandiswe ngo-2023; khangela umthetho wangoku.

Zifumanele Iingenelo Amatyala Amnandi

If your income is low enough that you owe little or no tax, prioritize refundable credits like the EITC and the Additional Child Tax Credit. These can generate a refund even if you have no tax liability. To qualify, you must file a tax return, even if not otherwise required. The IRS EITC page provides a detailed eligibility checklist.

Hlala Ulungelelene Uphela Unyaka

Ukuceba irhafu ngempumelelo kudinga ukuzimisela unyaka wonke. Gcina isiqulathi sefayili esinikezelweyo (sokwemvelo okanye sokweminyaka) ukwenzela iilisithi, ii-invoice, kunye nokubonelela ngemirhumo. Tsala iindleko zezonyango, iminikelo yoncedo, iindleko zasekhaya, iindleko zokuphucula izakhiwo zasekhaya, kunye nerhafu yemfundo njengoko zikho. Sebenzisa iprogramappersed okanye i-software yerhafu ukuqikelela indawo yakho yonyaka ophakathi kwaye ulungelelanise okanye uthelekele iimali ngokufanelekileyo. Kwakhona, hlola ukubopha kwakho nyaka ngamnye, ingakumbi emva kweziganeko eziphambili zobomi njengomtshato, uqhawuko okanye ukuzalwa komntwana.

Khangelani Kugqirha Werhafu

Ngoxa abahlawuleli abaninzi berhafu bekwazi ukulawula iirhafu zabo nge-software, iimeko ezinzima − ezifana nokuba neshishini, ukuba nemisebenzi emininzi yokuqesha, okanye ukuqhubana neziphumo ezibalulekileyo zotyalo-mali oluneenjongo-zobugcisa/ukhokelo lobuchule. Umalathisi obhalisweyo okanye obhalisweyo angachaza iityala kunye nentengiso ongazifumanayo, aqinisekise ukuba uthobela imithetho yerhafu esoloko isetyenziswa, kwaye akuncede ukuba wakhe icebo lokuhlawula iminyaka emininzi. Utyalo lwemali lusoloko luzihlawula ngokwalo kwimali egciniwe yerhafu.

Iimpazamo Eziqhelekileyo Omele Uziphephe

Kwanabarhafu ababhatala kakuhle bangahamba kwiimpazamo eziqhelekileyo ezinciphisa okanye eziphelisa iinzuzo zerhafu ezixabisekileyo. Ukuphepha le migibe kubaluleke njengokufuna iityala elifanelekileyo kunye nokuhlawuliswa kwemali.

Uxwebhu olungekhoyo lweminikelo yokwabelana

Ukuba umba, i-IRS ifuna umba obhaliweyo nangawuphi na umnikelo wama-R250 okanye ngaphezulu. Kwiminikelo yemali, irekhodi okanye irisithi evela kwimali yoncedo iyimfuneko. Kwizinto ezingeyo-cash ngaphezu kwe $500, kufuneka ubhale ifomu ka-8283, kwaye izinto ezingaphezu kwama-5000 ee-$5 000 zifuna ulwamkelo olufanelekileyo. Ngaphandle kolwakho ulwahlulo alwazi.

Ukuzibiza Ngokuphosakeleyo NgeEITC

I-EITC inemithetho entsonkothileyo enxulumene nengeniso efunyenweyo, imida yengeniso yotyalo-mali, kunye nokufaneleka kwabantwana. Iimpazamo eziqhelekileyo ziquka ukusebenzisa ubume bokufaka isheji engalunganga, ukuxela ngempazamo ingeniso, okanye ukubiza umntwana ongahlanganiyo nolwalamano kunye neemvavanyo zokuhlala. I-IRS ingakukhanyela ukubolekisa nokubeka izigwebo. Sebenzisa [[FLT: 0] i-EITC ... umncedisi wakho [[FLT: 1]] ukuvavanya ubugqi.

Ukungahoyi Uphumo

Uninzi lweetyala kunye nezinye iincopho ezithe zanyuka njengoko ingeniso inyuka. Ukungaphumeleli ukutyala icandelo lobomi kungakhokelela kumangaliso olungamkelekanga ngexesha lerhafu. Umzekelo, irhafu yomntwana iqala ukukhutshwa ngaphezu kweedola ezingama-200,000 (iii-R180 000 000). Ukuba ingeniso yakho ikufuphi nomqobo, cinga ngengeniso ehlawulwayo okanye ukunyuswa kwemali ukuze ihlale ingaphantsi komgangatho ongaphandle.

Amatyala Karhulumente Okuwajonga Ngakumbi

Amaphondo amaninzi anika iinguqu zawo zemali-mali karhulumente kunye neemali zokuthenga ngetyala ezikhethekileyo − njengetyala lokuthenga inzala, inkonzo yamatsha - ntliziyo yokucima umlilo, okanye iindleko zokuxhasa abantwana abatsha. Musa ukulibala ukuhlolisisa iinzuzo ezicacileyo zikarhulumente xa ulungiselela ukubuya kwelizwe lakho. ISebe leSebe leNgxelo-ntle yeNgeniso liyindawo elungileyo yokuqalisa.

Isiphelo

Ukuhlahlela irhafu kunye neemali zetyala ziyindlela enamandla yokuhlisa kungekuphela nje umthwalo wakho werhafu kodwa kwanokwenza imigaqo efuna ukuphucula intlawulo yoluntu kunye nelizwe lakho. Ukusuka kwiminikelo yoncedo kunye nomnini-khaya ukuya kwimfundo kunye nokusebenza kakuhle kwekhaya, ilungiselelo ngalinye libonisa ukhetho lokuzithandela lokunika izivumelwano zequmrhu. Ngokuqonda umahluko phakathi kwezincopho nemali yokubolekisa iityala, ukuhlala ulungelelanisiwe, nokucwangcisa kakuhle, ungayandisa imali yakho ngelixa usenza iminikelo enentsingiselo kwibutho labantu. Imithetho yerhafu itshintsha rhoqo, ngoko ke yenza uhlolo lonyaka, ngokuzihlaziya ngokwayo okanye ngolwalathiso lobugcisa, ukuze ungaze uphoswe lithuba. Ngezizixhobo ezisebenzisa izandla, uyakwazi ukuguqula ixesha lokuhlawula irhafuthelo kwimisebenzi yezentengozo zemali.