Ukuqonda Imithwalo Yakho Yentela Yokubika Ngenzuzo

Ukukhokha intela kuyisibopho esiyisisekelo kunoma yimuphi umuntu nebhizinisi elihola imali. Emnyombweni walomsebenzi kunezikhokhi ezinembile nezifike ngesikhathi zokubika ngayo yonke inzuzo kuziphathimandla zentela, njenge-Internal Revenue Service (IRS) e-United States. Ukuhluleka ukubika ngokunembile iholo lemali kungaholela ekujezisweni, inzala, ukubheka izindleko, ngisho nemiphumela engokomthetho. Uma ungumqashwa ophelele, umgcini wemali, noma umnikazi webhizinisi, wazi kahle ukuthi inzuzo okumelwe ibikwe kanjani, futhi iziphi izikweli ezingase zisetshenziswe zibaluleke kanjani ekugcineni intela yakho. Lesi siqondiso esibanzi siyohamba kuzodlula zonke izici ezibucayi zokubika imali, ekubikeni inzuzo ukuze ugweme izingozi, ungahlangabezana nemithwalo yakho yentela, ungahlangabezana nemithwalo yemfanelo yakho yeze.

Yini Etholakalayo?

Ukukhokha imali kuyinqubo yokuveza yonke inzuzo kanye nenzuzo yezimali ehhovisi lentela phakathi nonyaka othile. Lokhu kuhlanganisa imali etholakala emsebenzini, ekusebenzeni, ekubekeni imali, ekufakeni imali, izinzuzo zokuqasha, uhulumeni, kanye nanoma yimuphi omunye umthombo onikela emalini yakho. Imithetho yentela ifuna abakhokhi bentela babika iholo elikhulu kuyo yonke imithombo ngaphandle kokuba ikhishwe ngokomthetho. I-IRS ithembele kulemibiko ukubala intela yakho, inqume ukufaneleka kwemali yokukhokha intela, nokugcinwa kwemithetho yentela.

Ukuqonda ingqikithi yeholo elikhishwayo kuyisinyathelo sokuqala sokuqondisa intela. Akwanele ukumane ubike iholo lakho elikhulu . Imifudlana eminingi emincane noma engathandeki ikhokhelwa intela. Isihluthulelo siwukugcina amarekhodi aphelele futhi uqaphele izindlela ezihlukahlukene zokubhala imithombo yeholo lakho evezwayo.

Kumelwe Ubike Izinhlobo Zemali

Ngezansi kunezigaba eziningi ezivamile, kuhlanganise nezingaqondakali ezivame ukubukelwa abakhokhi bentela.

Imali, Amasheya Namacebiso

Lena isigaba esiqonde kakhulu. Uma uyisisebenzi, umqashi wakho uzonikeza i-Form W-2 ebonisa ingqikithi yeholo lakho, intela, kanye nentela, kanye nentela egodliwe. Zonke izilinganiso kuyi-W-2 kumelwe zibikwe. Amacebiso, ngisho noma engabhalwanga umqashi, kumelwe abikwe uma ingqikithi yamaR120 noma ngaphezulu ngenyanga. Abantu abaningi bathatha amacebiso ngokuthi “asextra” noma ngaphansi kwetafula, kodwa i-IRS iwabheka njengeholo eliyinkokhisayo ngokuphelele.

Ukuzisebenzela Nokuziphilisa Kwebhizinisi

Izikhulu, abakhi abazimele, abanikazi, kuphela abanikazi, kanye nabantu abasebenza nabo kumelwe babike yonke inzuzo emisebenzi yabo yebhizinisi. Lokhu kuhlanganisa iholo elitholwa nge-invoice, ifomu le-1099-NEC, imali, intengo, noma isiphi esinye isimo. Ngisho noma uthola i-Falnce 1099, unomthwalo wokubika wonke iholo, hhayi nje lokho okuvela kuyi-involution. Imithombo evamile: ukubhala ngenkululeko, ukubhucunga, ukushayela, ukuthenga ngenkombano, ukuthenga nge - Internet, nokuthengisa ngokuqondile.

Abantu abasebenza ngokuzisebenzela nabo bakhokhelwa intela yokuzisebenzela (Ukulondeka Kwezenkonzo Nezokuziphilisa) futhi kumelwe bakhokhe intela elinganiselwa engxenyeni yesine uma icala lentela lilindeleke ukuba lidlule ku - R1 000.

3. Imali Ekhokhelwayo

Imali eholelwayo ihlanganisa inzalo evela kuma-akhawunti asebhange, inzuzo emalini, kanye nemali ezuzwa ngokuthengisa impahla enjengemasheya, amabonda, noma indawo. Inzuzo nezinzuzo kubikwa kuMfumo 1099-INT kanye no-1099-UNIV. Inzuzo yenhloko ibikwa eForm 1099-B. Qaphela ukuthi ngisho nenzalo encane (<$10) kufanele ibikwe. Ukuvuna kwentengo yentela kukhishwe ekulahlekelweni inzuzo esemthethweni, kodwa kudinga ukubika ngokucophelela.

Imali Eholayo

Uma unendawo yokuqasha, yonke intela yokuqasha kanye nanoma iyiphi enye imali evela embonini (umzk., intela yokupaka imoto, ukuwasha, noma ukukhokha izindleko zamuva) kumelwe kubikwe. Ungakwazi futhi ukuqeda izindleko ezinjengenzalo yendlu, izintela zempahla, ukulungisa, nokuncipha. Kubalulekile ukugcina amarekhodi anemininingwane ayo kokubili amaholo kanye nezindleko. I-IRS isebenzisa indawo eqashiwe njengebhizinisi, ngakho iShedyuli E noma iShedyuli C ingadingeka kuye ngesilinganiso sokuhileleka.

5. Imali Eholayo Nomhlalaphansi

Izindawo ezinikezwa ama-IRA angokwesiko, ama-401(k), namasuntswana empesheni akhokhelwa intela. I-RTRA ayikhokhwa uma nje izimo ezithile zihlangane. Izinzuzo zokulondeka kwezenhlala-khaya zingakhokhwa ngokwengxenye uma ingqikithi yemali yakho idlula amabhuloho athile. Umthombo ngamunye uzoveza uhlobo (umz., 1099-R, SSA-1099) okumelwe uluhlanganise ebuyeni lakho.

6. Izinzuzo Zikahulumeni Nabanye Abavela Kuyo

Inkokhelo yemisebenzi ikhokhelwa ngokugcwele. I-alimony etholwe ngaphansi kwezivumelwano zesehlukaniso eziphothulelwe intela (imithetho emisha ekhokhelwayo ekhokhwa kamuva). Ukuwina ukugembula, kuhlanganise nemali ekhokhelwayo yelotho neyokugembula, kuyakhokhwa futhi kumelwe kubikwe. Imiklomelo, imiklomelo, izimali zenkonzo yabahluleli, ngisho nezikweleti ezisuswe (kwezinye izimo) nazo zithathwa njengemali eholwayo. Umthetho ovamile: uma uthola imali noma okuthile okubalulekile okungagwenywanga yikhokhwa ngentela, kungenzeka ukuthi kuyakhokhelwa.

Okwenza Ukubika Ngenzuzo Kube Okunembile

Ukubika ngokunembile iholo akuyona nje imfuneko engokomthetho, kodwa kuyisisekelo sokuphatha kahle imali. Nazi izizathu eziyinhloko zokuyilungisa kugxeka:

  • Izindawo ezigwenywayo neMikhandlu: Izimiso ze-IRS zinendlela eyinkimbinkimbi yokunqamule i-check ebikwayo emalini etholakalayo elingana nezinhlobo zesithathu (W-2s, 1099s). Ukubika kungabangela ukuncintiswa kwemali, okuphumela ekukhokheleni intela yangemuva, izijeziso (kufinyelela ku-20% noma ngaphezulu kwenkokhelo engaphansi), kanye nakwezaneliseko.
  • [[FLT: 0] Ukukhokha intela elungile: ukubika okunembile kuqinisekisa ukuthi ukhokha intela efanele. Ukubika kungaholela ezikweletini ezingalindelekile; ukubika ngokweqile (imali engakhokhwa) kungasho ukukhokha ngokweqile.
  • Ukukhokha izikweleti nezikhungo: Izikweleti zentela eziningi kanye nezikweleti, njengemali ehlawulwayo yentela (EITC) noma iNkokhelo yentela yezingane, ixhomeke emalini oyitholile. Ukubika imali elungile kungandisa imali yakho yokukhokha noma ukwehlisa intela yakho.
  • [[[UMTL:0] Ukulondoloza amaRekhodi amahle ezezimali:[ inzuzo engapheli iveza umlando othembekile wezimali, owusizo ekusebenziseni izicelo zokuboleka imali, izivumelwano zokuqasha, kanye nokuhlela ibhizinisi.
  • [[[QUTY:0] Iqoqo elisemthethweni ne-Peace of Mind: Ukubuyisa ngokunembile kunciphisa ingozi yokufuna ukuxilonga nokucindezela okuhlobene. Kubonisa futhi ukuba nezakhamuzi ezinhle kanye nomthwalo wemfanelo.

Indlela Yokubika Ngenzuzo Yakho: Isiqondiso Esilandelanayo

Ukubika iholo kungase kubonakale kunzima, kodwa ukulibeka phansi kube yizinyathelo ezilawulekayo kuyenza ibe lula le nqubo. Nansi indlela enegunya yokuhamba.

Isinyathelo 1: Hlanganisa Konke Okutholakalayo

Gcina yonke idokhumende ebonisa imali oyitholile phakathi nonyaka wentela. Lokhu kuhlanganisa:

  • W-2 kumsebenzisi ngamunye
  • -neC kumsebenzi wesihlelo, 1099-MISC kweminye iholo elixubeneyo
  • -INT esuka ebhange ukuze kuthakwe inzalo, [-1099-IV [ ukuze kuvuzwe [[FLT]]
  • -B[[FLT] ku-afters zentengiso yamasheya
  • 1099-R kulokhu okudluliswa emhlalaphansi
  • SSA-1099 ezinzuzo zenokulondeka kwezenhlalo
  • Amarekhodi emali ekhokhwayo, iPayPal/intengiselwano, nanoma imaphi amanye amarisidi angahlanganisiwe ngamafomu

Uma uziqasha, gcina i-software ye-log noma ye-akhawunti futhi ukhokhe yonke imali etholiwe. Unganciki kuphela kumafomu esithathu-"abaholi abathile bangase bangangenisi ifomu, kodwa iholo lisengabikwa.

Isinyathelo 2: Khetha Indlela Efanele Yokukhokha Intela

Izindlela ezivame kakhulu kubantu ngabanye yizi 1040 uchungechunge. Ukuze uthole iholo elilula le-W-2, Ifomu 1040-EZ (ayikho ngemva konyaka ka-2017) noma uhlelo oluvamile lwe-1040 luzokwanela. Izimo eziningi eziyinkimbinkimbi zidinga ezinye izimiso:

  • I-C yeholo lokuzisebenzela
  • Ukuhlela E emholweni wokuqasha nowasebukhosini
  • Imvubelo D yenzuzo enkulu nokulahlekelwa
  • Ukuhlela 1 weholo elengeziwe kanye nokulungisa

Izinhlangano zamabhizinisi (izinhlangano ze-propicer, i-LLC, i-S-corps, i-C corps) zinezakhiwo zazo (umzk., 1040 Shedyuli C, 1120S, 1065). Khetha ngokwesakhiwo sakho. Uma ungaqiniseki, hlola ama-IRS ifomu nezincwadi [ noma uchwepheshe wentela.

Isinyathelo Sesithathu: Ngena Ngokunembile

Dlulisa yonke iholo elilingana nemigqa elungile kumafomu akho entela. Amaphutha avamile ahlanganisa ukudlulisa izinombolo, ukukhipha inombolo yenombolo, noma ukukhohlwa ukuhlanganisa no-1099 ofika sekwephuzile. Sebenzisa i-software yentela engangenisa ukwaziswa ngokuqondile ngezindlela zokunciphisa amaphutha emisebenzi.

Isinyathelo 4: Thetha Zonke Izitho Ezithakazelisayo Nezikweletu

Ngaphambi kokuqeda ukubuya kwakho, qinisekisa ukuthi ucela zonke izikweleti nezikweleti ofanelekela. Lokhu kunganciphisa kakhulu iholo elikhokhelwayo noma inani lentela ebolekwayo. Ngokwesibonelo, uma uzisebenzela, ungasusa izindleko zehhovisi lasekhaya, izindleko zomshuwalense wempilo, neminikelo yomhlalaphansi. Uma unabantwana, hlolani izindleko zemfundo ze-Child Tax Creatence. Ukuze uthole izindleko zemfundo, cabangela i-American Opportunity Credit noma i-Livie Liviery Crentive. Bheka ingxenye elandelayo ukuze uthole imininingwane eyengeziwe.

Isinyathelo 5: Ukubuya Kwakho Ngomfa

Uhlelo oluvamile lokugcina intela kubantu ngabanye ngu-April 15 (noma usuku lwebhizinisi olulandelayo). Uma ungabhali phansi ngesikhathi, ucela isandulela usebenzisa i-Form 4868. Ukwenezela kukunika kuze kube u-October 15 ukufaka ifayela, kodwa noma isiphi isikweleti esikweletwayo kusamelwe sikhokhwe ngenkathi yokuqala ukuze kugwenywe izijeziso nenzalo. Ungafaka i-electal (e-hele) noma ngeposi. Ukukhipha i-efilter kushesha, kunembile, futhi kunikeza isiqinisekiso se-ligister. Izinketho eziningi zesihle zitholakala nge-Filee Free

Amaphutha Avamile Okumelwe Uwagweme Lapho Ubika Ngeholo

Nawa amaphutha avame kakhulu nendlela yokuwagwema, ngisho nabakhokhi bentela abakhuthele bangawaphunyuka.

Ukuhluleka Ukubika Yonke Imali Ehliswayo

Leli iphutha lokuqala. Abantu bavame ukucabanga ukuthi uma bengatholi iholo elingu-1099, imali ayikhokhi. Yimali engamanga. Imali yonke, kungakhathaliseki ukuthi uthola ifomu, kumelwe ibikwe. I-IRS ingayivuselela iholo lakho ngokulifaka ebhange eligciniwe nangobufakazi bendlela yokuphila. Qaphela kakhulu ngokukhokha imali, i-igigigi, nokuhwebelana nge-intanethi.

Ukuxuba Izindleko Zomuntu Siqu Nezebhizinisi

Abakhokhi bentela abasebenza ngemisebenzi yabo siqu ngezinye izikhathi bayazilahla izindleko zabo njengezindleko zebhizinisi. I-IRS ihlolisisa lokhu kakhulu. Gcina ama-akhawunti asebhange ahlukene namakhadi okuthenga ngesikweleti ebhizinisini lakho, futhi izindleko eziphansi kuphela ezivamile nezidingekile emsebenzini wakho.

Imali Ekhokhwa Ngokungafanele

Amaphutha avamile ahlanganisa ukukhohlwa ukubika isithakazelo esincane, ukuphambanisa inzuzo yequarter ngokuzuza, noma ukusebenzisa kabi isisekelo sokulungisa. Sebenzisa izitatimende zakho ezilula ne-Form 1099-B ngokucophelela. Uma uthengisa impahla, kudingeka ubale isisekelo sezindleko ngokufanele, ikakhulukazi ngenxa yemisebenzi ezuzwe njengefa noma ephiwe.

Isilinganiso Sentela Engekho

Uma uzisebenzela noma uhola imali eningi, kungadingeka ukhokhe intela elinganiselwa ngokwengxenye eyodwa kwezine. Ukukhokha lenkokhelo kuholela ekukhokheni izijeziso eziphansi ngisho noma ukhokha ngokugcwele ngesikhathi sokuhlela. I-IRS ilindele ukuba intela ikhokheke unyaka wonke. Sebenzisa i-Form 1040-S ukuze ubale futhi ukhokhe ikota.

Ukungazinaki Isibopho SikaHulumeni Nesentela Yendawo

Imali oyifakayo ayisho nje uhulumeni. Izifunda eziningi zidinga intela ekhokhelwayo, futhi amanye amadolobha anentela yendawo. Iholo olibikayo ngokubuya kwakho kukahulumeni ngokuvamile ligeleza e-odoreni nasezindaweni ezikuyo, kodwa imithetho iyahlukahluka. Hlola nenxusa lentela likazwelonke ukuze uthole izimfuneko ezithile.

Izikhungo Zentela Nezikweletu Ezithinta Ukubika Ngenzuzo

Nakuba ukubika iholo kuyisibopho, ngokuvamile unganciphisa imali yakho yentela ngokuncishiswa kwentela nangezikweletu. Ukuqonda lokhu kungakusiza ukuba ugcine imali yakho enzima.

Izithunzi ezingaphezulu-ku-imigqa (Ama - Adjustments azongena)

Zisusiwe ngokuqondile emalini yakho enkulu ukuze ufike eholweni elilungisiwe (AGI). Zikhona kungakhathaliseki ukuthi ufaka izinto ezithile noma cha. Izibonelo zihlanganisa:

  • [[IQUL:0]IRA iminikelo[ (ngokwesiko IRA kuphela)
  • Inzalo yokubolekisa ngemali [ (unyukela ku $2,500])
  • Health akhawunti yokulondoloza imali (HSA) iminikelo
  • Intela encishisiwe yomsebenzi wokuzilibazisa (ibuye i-equality-equentifice umqashi)
  • [[[INDANGO:0] Imali yomshuwalense wempilo osebenzayo

Ukufakwa kwemifantu.

Ungakhetha ukuthatha intengo ejwayelekile (inani eliyisicaba elisekelwe ekuthengeni kwemali) noma ulinganise izindleko uma zidlula indinganiso. Izintengo ezivamile zihlanganisa inzalo yendlu, intela kahulumeni neyasendaweni (efakwe kuR9 000), iminikelo yokusiza abaswele, nezindleko zezokwelapha ezingaphezu kuka-7,5% we-AGI. Qhathanisa kokubili ukukhetha ukubona ukuthi yiziphi izindleko zakho ezithengwayo.

Intela yokukhokha (Umthetho othathelwe u-Dollar Ukuhlenga)

Izikweleti ziyigugu kakhulu kunentela ngoba zinciphisa intela yakho ngokuqondile.

  • [ Imali ehlawulwayo yokukhokhela intela (ETC): Kuzisebenzi eziphansi kuya kwezingangeni-mali; kungabuyiselwa.
  • [ Ityala lentela yabantwana:[ Kufinyelela ku $2,000 kumntwana ofanelekela (ngokungalinganisi).
  • Imali yemali nemali yasekolishi (inani eliwuR2,500 kumfundi).
  • Isifundo sokuphila Ikhefu: Kumfundo yangemva kwesenethiyo (unyukela ku $2,000 kumvuzo wentela).
  • [[Umntwana:0] ne-Chesternt Creasure: ngezindleko ezikhokhwayo ukuze unakekele ingane noma uncike kuwe lapho usebenza.

Ukweleta ngakunye kunemithetho eqinile nemingcele yeholo. Sebenzisa izikweleti kanye nezikweleti zekhasi [ ukuhlola ukuthi yini ofanelekela yona.

Izimo Ezikhethekile: Ukuzimela, Ukuchuma, Nezinhlangothi Ezinhle

Njengoba umnotho unyuka, abakhokhi bentela abaningi baneholo eliningi. Nakhu ukucatshangelwa okukhethekile kwalabo abangasebenzi ngokwesiko.

Intela Yokuzifunela Inzuzo

Uma uhola amadola angu-R1 400 noma ngaphezulu ngokusebenza ngenzuzo yenethi, kumelwe ukhokhe intela yokuzisebenzela, ehlanganisa ukulondeka kwe-Social Security neMedicare. Izinga lingu-15% emalini yokuqala engu-R2 200 200 (2023) yemali yenethi ngonyaka. Ungasusa ingxenye yalemali njengenani eliphezulu. Sebenzisa iSheshi ukuze ubale.

Ukulinganisela Intela Ekhokhwa Ngonyaka

Uma ukweleta okungenani imali engu-R1 000 (R1,50) ngemva kokugodla nokukhokha izikweletu ezikhokhelwayo, i-IRS ilindele ukuba ukhokhe intela elinganiselwa ngokwengxenye eyodwa kwezine. Ukungakhokhi leyonkokhi kungabangela isijeziso esiphansi. Bala ingqikithi yentela oyilindele futhi uhlukanise ngo-4.

Ukuzigcina Ugciniwe Kubalulekile Kumuntu Ozigomelayo

Gcina amarekhodi acophelelayo emali oyiholayo nezindleko. Sebenzisa ama-software akha i-akhawunti noma amashadishidi. Gcina amarisidi ezinto zebhizinisi, ne-mayile yephepha, indawo yasehhovisi, nemishini. I-IRS itusa ukuba amarekhodi agcinwe okungenani iminyaka emithathu ukusuka kusuku lokugcina inombolo, isikhathi eside kwezinye izimo.

Imicebo Nesikhathi Sokufuna Usizo Lochwepheshe

Nakuba abakhokhi abaningi bentela bengabhala inzuzo yabo siqu, izimo ezinzima zidinga usizo lochwepheshe. Nansi indlela yokwazi ukuthi yini oyidingayo nokuthi ungalutholaphi usizo.

Yenza-utho lamathuluzi

I-IRS inikeza amathuluzi okulungisa intela mahhala ngohlelo lweFayile olukhululekile kubakhokhi bentela abaholi abathola iholo elingaphansi komnyango othile. I-software yentela yezentengiselwano (i-TurboTax, H&R Block, njll.) ihlanganisa ababhulazeli abaqondisiwe ababuza ngemithombo yeholo lakho futhi bagcwalise izakhiwo ezilungile.

Isikhathi Sokudedela Isikhulu Sentela

Cabangela ukuqasha i - Accounting ka - Public Accounting (CPA), inxusa (EA), noma ummeli wentela uma kusebenza kunoma imuphi walokhu okulandelayo:

  • Unebhizinisi (ikakhulukazi i-Scorp noma C-corp)
  • Unemali eshisiwe yokutshala imali, izakhiwo zokuqasha, noma impahla yaphesheya
  • Ubhekene nokuphenywa kwentela, isikweletu sentela, noma uphenyo lwezephula - mthetho
  • Ukuphila kwakho kwashintsha kakhulu (umshado, isehlukaniso, ifa, ukuthengiswa kwekhaya)
  • Awuqiniseki ngezikweletu, izikweletu noma izimfuneko zokubika
  • Isimo sakho sentela siyashintsha unyaka nonyaka

Uchwepheshe angakonga imali ngokuthola izinto ongase ungazitholi, kodwa ukubaluleka kwazo ngokuyinhloko kuwukulalela futhi ugweme amaphutha abizayo.

Izinhlelo Zosizo Ezikhululekile

Uma unemali elinganiselwe, ukukhubazeka, noma ikhono elilinganiselwe lesiNgisi, izinhlelo ze-IRS i-volunteer Intelligence (VITA) kanye [FLT] ne Ukuyala asebekhulile [[QULT) izinhlelo zinikeza usizo lwentela yamahhala. Ukuvakashela [[[[FLT:]]] ilungiselelo lentela lesihle [[FLT]]

Isiphetho

Ukumisa imithwalo yentela ehambisana neholo elibikwayo akuyona nje inqubo eqhubekayo edinga ukuhlelwa, ukuqapha, nokukhuthala. Ngokuqonda izinhlobo ezihlukahlukene zemali oyitholayo kumelwe ubike ukuthi uyakwazi ukuhlukanisa izitebhisi nezikweleti ezikhutshana ezikhutshani, ingxenye ngayinye ifeza indima ekuqinisekiseni ukuthi uhlangabezana nezibopho ezingokomthetho kodwa ulinganisele ukuma kwakho okungokwezimali. Amaphutha angabiza, kodwa ngemibhalo efanele, i-past, nemithombo elungile, ungahlela ibuya ngokuqiniseka. Uma isimo sakho sizizwa sikhungathekisa, khumbula ukuthi usizo lobuchwepheshe lukhona futhi lufanele ukukhokha. Ngokuhlala usebenza kahle nangokufundiswa ngemithetho yentela, uguqula umthwalo ube yi-atle procedromagee, kodwa ngokuphatha kahle, futhi uzuze ukuphila kwakho.