Ukubuya Kwerhafu Yakho: Igxalaba Elikhokelela Kubemi Abanembopheleleko

Ukuhlawula irhafu yakho yaminyaka le kungaphezulu kakhulu komsebenzi wezoburhulumente; sisenzo esisisiseko sokuqinisekisa uluntu ukuba imali efunekayo kwimisebenzi kawonke-wonke ukusuka kwisiseko sokhuseleko lwesizwe nakwimfundo yentlalo kunye nenethi. Ngoxa inkqubo isenokuziva isongamele, indlela ecwangcisiweyo yokuyiguqula ukusuka kumthombo wenkxalabo ibe ngumsebenzi olawulekayo, onamandla, owenziwa minyaka le nkonzo. Olu khokelo lubanzi luhamba nawe kunyanzelo ngalunye olubalulekileyo, ukusukela ekuqondeni ubume bakho bokubeka izithuba kugcino-mvume, ukukunceda uhlangabezane neemfuno zakho ngokuchanekileyo, ukunyusa izincono ezifanelekileyo, kunye nokuqhuba inkqubo ngentembelo.

Ukuqinisekisa Iimbopheleleko Zakho Zokuhlawula Irhafu

Imfuno zakho zokufaka ixhomekeke kwiimeko ezininzi: ingeniso ephezulu, ubume obugciniweyo, ubudala, nokuba ungabhaliswa njengexhomekeke. I-IRS imisela imiqobo yengeniso yonyaka egqiba ukuba ngubani omele afake ifayile. Nokuba ingeniso yakho ingaphantsi komqobo, ungafuna ukufaka intengo ehlawulekayo okanye ukufumana ityala elihlawulekayo elifana neloMphathi-matatho (EITC) okanye ityala leNkqutyana yerhafu yomntwana (CTC). Qala ngokumisa isikhundla sakho [[[FLT: 0]]], umtshato othelekisayo, ishenxiso epheleleyo, intloko etshatileyo, okanye iqabane elisindileyo eliphilayo, ngenxa yokokuba lichaphazele umgangatho wexabiso lakho lokuthelelwa kwerhafuthelo, kunye nokulingana kwemali yetyala.

Thatha uludwe lwazo zonke imithombo yengeniso: ingeniso, imivuzo, iinkcitho (ezixelwe kwifomu yeW2), ingeniso yokuziqesha (iFum 1099-NEC okanye 1099-K), inzala kunye nengeniso (Form 1099-INT, 1099-UNIV), ingeniso yemali yemali ehlawulwayo, ukusasazwa komsebenzi womhlala-phantsi, i-alsimoni (ukwenza izivumelwano ezifezwe ngaphambi konyaka wama-2019), kunye nayo nayiphi nayiphi na enye ingeniso ehlawulwa yirhafuthelo. Ukuqonda okumele kuchazwe ngezantsi kwaye kusekelwe ekubuyiselweni ngokuchanileyo.

Iqokelela Uxwebhu Lokuxhasa

Phambi kokuba uqale ukuzalisa iifomu, qokelela lonke uxwebhu olubonisa ingeniso okanye izinto ezinokunyuswa. Ukucwangcisa ezi kusengaphambili kuthintela ukuhamba phakathi kwaye kunciphisa ubungozi bokuphoswa kwamanani abalulekileyo. Sebenzisa uluhlu lokuhlola ukuqinisekisa ukugqibelela:

  • Amaxwebhu afunyenweyo: W-2] W (abaqeshwa kufuneka bathumele ngoJanuwari 31), 1099 (umsebenzi ogunyazisiweyo, intsebenziswano, inzala, inzuzo, unikezelo lomhlala-phantsi), K-1 (iiinqanawa ezihamba kunye okanye iinkampani ze-S), kunye neengxelo zemali, ukutshintshisa, okanye ukuthengiselana ngentengiso yamanani (ubuchule bokufihla izithuba).
  • Ukubopha kunye neengxelo zetyala: izibhengezo zeminikelo yoncedo, iindleko zonyango nezemali (ukuba kuthe kwafakwa) inzala yendlu (Fom 1098), irhafu yempahla, inzala yomfundi (Form 1098-E), inzala kunye nemali-mali yemali yemali ehlawulelwa abantwana kunye nemali yokuxhasa amanani okuchaza, kunye nee-i-i-i-intshi ezinika amandla asebenzayo ekhaya.
  • Inkcazelo yeHealth: Ifomu ye1095-A (Imarike), 1095-B (iinkomfa ezincinci ezifunekayo), okanye 1095-C (isongezelelwe umsebenzi-okanye). Kwi-2024 nangaphaya, isohlwayo soxanduva soxanduva singu 0, kodwa iifomu zisayifinyeza uxwebhu.
  • Ubungqina benyani: Amanani oKhuseleko loNtlalo (okanye ITINS) kuwe, iqabane lakho, kunye nelungu ngalinye elixhomekeke kulo, kunye nemihla yokuzalwa.

Kwimisebenzi yokuziqesha, kwakhona kuqokelela iingxelo zengeniso ne-lons, ii-risithi zemali zeshishini (ii-ofisi yasekhaya, izixhobo), izithintelo ze-atm, kunye neminikelo yokucwangcisa umhlala-phantsi (SEPRA, Solo 401k).

Ukukhetha Indlela Othuma Ngayo

Iindlela ezintathu eziphambili zikhona zokuqokelela ukubuya kwengingqi. Nganye inentengiso kwixabiso, ukuntsonkotha, kunye nenkxaso echanekileyo.

I-Software yerhafu esetyenziswayo

Ikhokela ipasile ze-software zorhwebo (i-TurboTax, H&R Block, i-TaxSlayer) kunye nenkqubo ye-IRS Free File ekhokela kuwe ngodliwano-ndlebe, yenza ubalo ngokuzenzekelayo, kwaye iphatha i-e-filifire. Zilungile kwimivuzo ecacileyo ye-$2, ingeniso esezantsi, iincopho ezisezantsi. Khetha uhlobo oluhambelana nemeko yakho (umz., uhlelo lokuziqesha ulwelo lwabasebenzi abasebenzi abasebenza nge-jig). Inkoliso ekhankani ye-ibhu ze-injini nokuqinisekisa ukubala ngokuchana.

Umlungiseleli Werhafu Oyingcungelayo

Ukubuya okuntsonkothileyo okuvelayo ngezantsi/umltiple projekti, ubalo lwerhafu, ii-akhawunti zangaphandle, ukuthembana, okanye iziganeko zobomi ezifana nomtshato, uqhawulo-mtshato, okanye ukufa kweqabane (a CPA, umfaki-zincwadi, okanye umlungiseleli onolwazi angakusindisa imali kunye noxinezeleko. Zikumela kwii-adistiki, zihlale zikwiinguqu zomthetho werhafumfa, kwaye zinokunikela icebiso lokuceba iminyaka emininzi. Buza ngemali, imirhumo (ngokokuba isantya esithe tyaba okanye ngexesha ngalinye), nokuba ziphinda ngamaxwebhu akho phambi kwedinga.

Ukujija Iphepha

Indlela eqhelekileyo yokuposa iphepha Ifomu 1040 isafumaneka kodwa idimazekile. Ulungiso lwephepha lungathatha iinyanga, ingakumbi ngexesha lencopho yonyaka, kwaye iimpazamo ziqheleke kakhulu. I IRS ayisafuni utyikityo kwi inki ukubuyisela iphepha, kodwa kufuneka ushicilele, uphawu, iposi kwidilesi elungileyo (ngemeko), kwaye linde ixesha elide lokulungisa. Kuphela usebenzise le ndlela ukuba awulufumani unikezelo lwe Internet okanye unesizathu esinyanzelisayo sokunqanda udluliso lwe elektroniki.

Ifatyi yombane (e- file) yeyona ikhawulezayo, ikhuseleke kakhulu, kwaye isebenza kakuhle. Phantse zonke ezibuyayo zibekwe ngokugqitha kwi e- fayile zilungiswa kwisithuba seeveki ezintathu ukuba ukhetha ugcino oluthe ngqo lwemibhobho. I-IRS yamkela ubuyiselo obusuka phakathi ku-Januwari ukuya ku- Oktobha 15 (ulwandiso).

Ukugqiba Irhafu Yakho Ngokuchanileyo

Enoba usebenzisa isoftware okanye iphepha, amanyathelo amaninzi abalulekileyo afuna ingqalelo yakho.

Ngenisa ulwazi lobuqu ngokuchanekileyo

Khangela kabini upelo lwegama lakho njengoko lubonakala kwikhadi lakho lokhuseleko loluntu. Uphawu olunye olungahambelaniyo lungabangela ukulibaziseka okanye ukumiswa kwe-refoundations. Umhla wakho we-SSN, wokuzalwa, kunye nedilesi kufuneka zingqinelane neerekhodi ze-IRS. Kubantu abaxhomekeke kuwe, qinisekisa ukuba udibana nomntwana ofanelekileyo okanye iimvavanyo ezinxulumeneyo: ulwalamano, ubudala, inkxaso, kunye neemvavanyo zokubuyisa.

Phendula Zonke Iingxelo Ezinenyaniso

I-IRS ifumana iikopi zazo zonke iiW-2 kunye nee-1099, kunye nenkqubo yayo yokuzihambela ngomatshini ithelekisa ezo zinokubuya. Ukudibanisa kwanenzala encinane ye-1099-INT kumema isaziso kunye nesohlwayo esinokwenzeka. Ukuba unemali okanye ingeniso engaxelwanga kwifomu, kufuneka ngokusemthethweni uyixele. Ubuchule bombutho bokunqumla 76o-30 +69 ugcino-data lukhulu; ukunyaniseka kukuphela komgaqo okhuselekileyo.

IBhunga leNtshona Koloni

Abantu abaninzi bayangenelwa ngokuthabatha intlawulo elinganayo [ (ngo-2024: U-$4,000, R2200 ezitshatileyo, ii-R2,200 zentloko yendlu). Lungisa kuphela ukuba zonke iindleko zakho ezihlawulwayo zigqitha loo mali. Iintengiso eziqhelekileyo ziquka:

  • Irhafu yemali karhulumente neyasekuhlaleni okanye yentengiso (ikwimali emalunga ne-R3 000)
  • Inzala yemali (efumana amatyala amalunga nee-R35 000)
  • Iminikelo yokubonelela ngelifa lemveli (ikhasi nempahla)
  • Iindleko zonyango ezingaphezulu kwesi-7,5% kwi-AGI

Ityala lerhafu lixabiseke kakhulu kunentengo kuba linciphisa irhafu yakho.

  • [[Umthetho:0] Ityala lerhafu elifunyenweyo [ETC] – kubasebenzi abasezantsi 763 abagqithisileyo, ingakumbi abo banabantwana.
  • [[UMTL:0] Ityala lerhafu yabantwana (CTC) – ukuya kutsho ku $2,000 (ingalo iphinde ifaneleke).
  • [[IKLATE: 0] Ityala leTroffic Trought (AOTC) yaseMerika – ukuya kutsho kwii $2,500 kumfundi ngamnye ngeendleko zemfundo ephezulu efanelekayo.
  • [[UMTL: 0] Ityala lokufunda ixesha lobomi (LLC) – ukuya ku-$2,000 (ii-R2 000) ukubuya komzi wemfundo yasemva kwesande.
  • [[Umthetho:0] Ityala lokugcina lokunikelela (Ityala Logcino Lomgcini) – kubanikeli abaphantsi abafumana imali eninzi kwityala lomhlala-phantsi.

Sebenzisa i IRS encedisayo kwirhafu kwi-intanethi ukuvavanya ubunyani betyala elithile phambi kokuba ufake ifayile.

Ukuhlola Ukubuya Kwakho Ngenxa Yempazamo

Phambi kokuthobela, khawuphicothe ubuyiselo lwakho. Kwanabasebenzisi becomputer banga guqula amasuntswana ngempazamo okanye bakhethe ibhokisi engalunganga. Nalu uluhlu lokuhlola oluqinileyo:

  • Qikelela onke amagama, iiSSN, nemihla yokuzalwa kwakho, iqabane lakho, kunye nelungu ngalinye elixhomekeke kulo.
  • Qonda ukuba i-akhawunti yakho yebhanki kunye namanani okufaka ngqo kulungile, --a umvo omnye ongalunganga uthetha ukuba i-refound isiya kowasemzini.
  • Qinisekisa ukuba lonke uxwebhu lwengeniso lubalelwa; sebenzisa “ingeniso” yengxelo ye-software evelisayo.
  • Hlola izibalo kwifomati yakho yephepha okanye isishwankathelo sezibalo zokugqibela zecomputer. I IRS iphinda inike inqaku, kodwa impazamo yezibalo ingenza isaziso.
  • Ukuba usebenzisa intloko yendawo yokuhlala, qinisekisa ukuba uhlawule ngaphezu kwesiqingatha seendleko zokuhlala ekhaya unyaka wonke nokuba umntu ofanelekayo uhlala nawe ngaphezu kwesiqingatha sonyaka.
  • Khangela ukuba usayina kwaye ucwangcisa ixesha lokubuya (utyikityo lwe electronic ye eנfile, ink system yephepha). Kwizivolo ezidityanisiweyo, omabini amaqabane kufuneka atyikitye.
  • Hlola unyaka werhafu ofanelekileyo. Ukubhatala ngo-2024 kuthetha ukuba usebenzisa iifomu ezingama-2024, hayi 2023.

Abanikeli be-software yerhafu abaninzi banikela uhlolo loMphicothi-zincwadi lokuba iiflegi eziqhelekileyo ezibomvu (umz., iintengiso ezinkulu zoncedo malunga nengeniso, ukuhlawuliswa kweofisi yasekhaya yabasebenzi, iimayile zeshishini eliphezulu). Sebenzisa olu phawu ukuqwalasela iingxelo zobundlobongela.

Ukuzithoba Ekubuyeni Kwakho

I-Eûfile ngumgangatho wegolide. Landela izicelo zesoftware ukudlulisela ngokukhuselekileyo ubuyile kwi IRS. Uzakwamkela uvumo ngeyure ezingama- 48 .

Ukuba awukwazi ukulayisha ifayile ngexesha elicwangcisiweyo, ifayile [[FLT: 0]Fomati (Inkqubo Yolwandiso Lwexesha oluzenzekelayo kwifayile) ngomhla wokuzalwa. Oku kukunika de ku Oktobha 15 ukugqiba ubuyiselo lwakho, kodwa [ ayinikeli ixesha elongeziweyo lokuhlawula. Uqikelelo lwerhafu efunekayo kwaye uhlawule ngoApril 15 uthintelo lwenzala nesohlwayo. Ukungahoya ulwa kolwayo nokungaqengqeli kubangela unqakrazo lwe 720% ngenyanga [[FLT] isigwebo sefayile ye 5% yenani elipheleleyo (ku ukuya ku 25%) kumlinganiselo ongahlawulwangabhaliswanga, kunye nokungagqibekanga kwe-[569] ngenyanga.

Ngezo maphepha okuposa zibuyile, sebenzisa iposi eqinisekisiweyo enelisithi yokubuyisa eceliwe ukungqinela ifayile efike ngexesha. Imvulophu zedilesi kwisiziko lenkonzo le IRS (efunyenwe kwimiyalelo yefomu yakho okanye IRS.gov). Gcina imibhalo yawo onke amaxwebhu athunyelweyo.

Ukuqonda Izinto Ezimnandi Nezibhatalayo

Emva kokwamkelwa, ubume bakho be-IRSG2 Gotray app. Ukufumana i-SSN, i-'FLT'. Aphi irected? isixhobo kwi IRS.gov okanye i I-IRS2 Gotray app. Sinike ubume be-SSN, i-past, kunye nencopho epheleleyo yexabiso. Isixhobo sihlaziya imihla yonke kwaye sibonisa imigangatho emithathu: Ukubuya ulwamkelo, i-Revond Acced, ne Revond. Ii-frends ze-egleand profd zikhutshwa ngeentsuku ezingama-21. Umguli no-endingx-endreftive zizakuthatha iiveki ezintandathu.

Ukuba unetyala lerhafu, kukho izinto ezininzi onokuzenza:

  • [[UMTL: 0] I-Direct Thray - ngokukhululekileyo, khusela imali ye-elektroniki kwi-akhawunti yakho yebhanki udlula kwi-website ye-IRS.
  • Inkqubo yobhatala werhafu (EFTPS) – bhalisela kanye; ulungele amashishini okanye intlawulo enkulu.
  • I-Debit okanye ikhadi lokuthenga ngetyala – isetyenziselwe ngabanikezeli besithathu (amatyala ayasebenza).
  • [[UMTL:0] Isichotho okanye umyalelo wemali – ibhaliswe ku “United States Treasure,” ngentlawulo yesiqinisekiso (Form 104078V).
  • Isivumelwano sokufakela ------sicelo isicwangciso sokuhlawula (Form 9465) kwi-intanethi ukuba awukwazi ukuhlawula ngokupheleleyo. Inzala kunye nomrhumo weseti usebenza, kodwa inqanda esona sisohlwayo sibi semali ehlawulwayo yamva we-30,000.

Soloko uhlawula ngomhla wokuqala ofunekayo (ngaphandle kolwandiso). I-IRS ibiza inzala yonke imihla ngemali engahlawulwayo; ukungaphumeleli kwesohlwayo songeza ngokukhawuleza.

Iimpazamo Eziqhelekileyo Nendlela Yokuziphepha

Nazo izilawuli ezinamava zityibilika. Nazi iimpazamo ezisoloko zikho kwaye indlela yokuqhuba idele.

  • [[FLT: 0] Iimpazamo ze-Math - Kwi qweqwe lephepha, iimpazamo ezilula zodibaniso zilibazisa uqhubekeko. I-software iyakuphelisa oku, kodwa iphinda-phinde kabini ungeno lwe data (umz., ibhokisi ye WMB2).
  • Ukurhoxisa okanye ukuphosa okanye ukungalungi SSN – Sebenzisa amakhadi okhuseleko lwentlalo, hayi uqikelelo. Umvo omnye ongalunganga ubangela ukuba ityala lingavumelekanga.
  • Iimpazamo zephawu – Kwimivo edityanisiweyo, omabini amaqabane kufuneka asayine (okanye asebenzise iiPIN ze eÚfile). Iindlela ezingasayinwanga azisebenzi.
  • Isebenza phantsi kwemeko engalunganga – izibini ezitshatileyo zisoloko ziphosa intloko-indawo yokulala xa zahlulwe; izixoki ezibini zefayile zisebenzisa intloko [“indlu yokuhlala yokuhlala, NW] xa zihlala nesiqu esingesiso isiqu senqanawa.
  • [[UMTL: 0] Ukukhangela ityala logcino-mali – ukuba unikele kwi-akhawunti yomhlala-phantsi kwaye ufikelele ingeniso elinganiselweyo, elityala linokuba nexabiso elifikelela ku-50% yeminikelo (R1,000 kumntu ngamnye).
  • Ukungaxeli ngentengiso efihlakeleyo yentengiso - IRS ithe yandisa ukugcinwa kwayo komthetho; kwanorhwebo oluncinane lweBitcoin ngeempahla lubangela isiganeko esinokuhlawulwa. Sebenzisa Ifomu 8949 ukuba ulahla izinto zamanani.
  • [[FLT: 0] Ukukhupha ubuyelo lwemeko [[FLT: 1] - Uninzi lwamazwe lufuna ukubuya okwahlukileyo. Pata imo iplagi ngenkathalo elinganayo, ingakumbi ukuba uhamba ngexesha lonyaka.

I-Investodia inesishwankathelo esihle seempazamo ezisoloko zikho ezinokukunceda uziphephe.

Ukuceba Unyaka Olandelayo

Abasebenzi abakrelekrele basebenzisa ukubuya konyaka njengesixhobo sokuceba sesixhobo sendlela elandelayo. Ukuba utyala imali enkulu, lungisa ityala lakho [[FLT: 0] ngokubopha ngokunikezela entsha Form W. kumqeshi wakho. Ukuba ufumene intengo enkulu, unika urhulumente inzala ekhululekileyo, cinga ukunciphisa ukuboleka nokutyala umahluko. Abantu abaqeshwayo, yenza intlawulo lwerhafu eqikelelwa kwikota ukuphepha intlawulo phantsi kwemivuzo nengazesiyo enkulu ku Aprili.

Iindleko ezifanelekileyo zomkhondo unyaka wonke usebenzisa ii-apps okanye i-akhawunti yebhanki enikezelweyo. Gcina iirisithi zamanani zeminikelo yoncedo, iindleko zezonyango, kunye neendleko zeshishini. Hlola iminikelo yakho yomhlalaphantsi uze ucinge ngokuyandisa (i-IRA esithethe kunye ne-401(k) iminikelo inciphisa ingeniso ehlawulwayo, ngelixa ii-akhawunti zeRoth zinika ii-parafu zerhafu kumsebenzi womhlala-phantsi.

Ukuphatha ii-IRS zoNcedo kunye noPhicotho-zincwadi

Ukuba ufumana ileta evela kwi IRS, musa ukuphaphazela. Uthelekiso oluninzi luqhelekile , lucela ulungiso lwezibalo, okanye lukuxelela ngomlinganiselo ofanelekileyo. Funda ileta ngononophelo; izakukhankanya ixesha lokuphendula (ngokuqhelekileyo iintsuku ezingama-30). Ungayityesheli. phendula ngolwazi oluceliweyo, nokuba awuvumelani. Ungabiza i IRS (inani libhalwe encwadini) okanye ubhale ileta ephikisana notshintsho olucetyiweyo. Kuhlengahlengiso oluncinane, abantu abaninzi bahlawula ngokulula ukuphepha i- hasle, kodwa unelungelo lokubhenela.

[[NTL:0]] luvavanyo olunenkcukacha ezininzi zokubuya kwakho. I-IRS ikhetha ukubuyisela ngokusekelwe kwimizekelo engaqhelekanga, uxwebhu [1] Ukungangqinelani, okanye iiflegi ezibomvu njengeendleko zeshishini eziphezulu okanye iincopho zoncedo. Ukuba ubhaliswe, uza kucelwa ukuba unike intlawulo esezantsi yezinto ezithile. Gcina iirekhodi zakho zicwangcisiweyo kwaye zisebenzisane. Ungazimela okanye uqeshe ugqirha werhafu. Uninzi lwee-window ziqhutywa ngeposi (uphicompelo oluphezulu okanye uhlazo loncedo) kwaye zisombululelwe ngoxwebhu. Amathuba ophicotho lwemivwo ehlawulo oluqhelekileyo lungaphantsi ko 1% . Kodwa kusenobulumko ukunikela ingxelo ngokuchana ukuphepha ngokuchaphanekileyo ukunqanda uxinzelelo.

Oovimba bezinye Uncedo

Awuwedwa kwinkqubo yokulayisha. Kukho oovimba abaninzi abakhululekileyo nabaphantsi:

  • IMITHWALO - iifomu ezisemthethweni, iimpapasho (kuquka Upapasho 17, iTshuwa yeMali yeFederal Inteage), kunye nezixhobo zokuncedisana.
  • [[UMTL: 0] IIIRS Ifayile Ekhululekileyo [ – ulungiselelo olukhokelwayo kunye nokukhutshelwa kwerhafu ne AGI ngaphantsi ko $79,000 (yo-2024).
  • VITA (Inkxaso yerhafu efunyenweyo) – uncedo lwerhafu lwasimahla kubantu abafumana ii-$64,000 okanye ngaphantsi, abantu abakhubazekileyo, kunye nezithethi zamaNgesi ezisikelwe umda. Fumana indawo udlula kwi-IRS.gov.
  • [[UMTL:0] I-TC (Umyalelo owenzelwe abalupheleyo) – uncedo lwasimahla kwabo baneminyaka engama-60 nangaphezulu, uxanduva olukhethekileyo kwimicimbi yomhlala-phantsi kunye neyomhlala-phantsi.
  • Irejista yamaziko erhafu yesizwe - urhulumente ngamnye unewebhsayithi yakhe kwaye usoloko enika ukhuthuzo lwasimahla lweminye imimandla ephantsi.
  • Iqumrhu lerhafu eliqeqeshiweyo – AICPA kunye NAEA[ inikezela ngoovimba beefayili be CPA abafanelekileyo kunye neenkonzo ezibhalisiweyo.

Lungela ezi nkonzo kwangoko. Ukulinda de kube ngoAprili 15 kuqinisekisa uxinzelelo kunye neempazamo ezinokwenzeka. Ngokulungiselela unyaka wonke nangokusebenzisa ukhokelo oluthembekileyo, uguqula iphetshana lerhafu ukusuka kwimbopheleleko eyoyikekayo ube ngumsebenzi ocacileyo, onika amandla, nowaseburhulumenteni.