Ukuqonda Intela Yokuzifunela Inzuzo

Njengenkokhelo ekhululekile, ungumqashi nezisebenzi. Lendima embaxambili isho ukuthi unomthwalo wemfanelo wokukhokha intela yokuzisebenzela, imali esetshenziswa iSocial Security neMedicare. Ngokungafani nenkokhelo yezesiko, ehlukanisa lentela nomqashi wayo, uhlanganisa yonke imali. Imali yokukhokha ingu-15,3% ehholweni lenethiwekhi, ekhiwe ngu-12,4% yenkokheli yeNyuthazo ye-Social Security ne-2,9% ye-Medicareas. Kodwa, ingxenye yezentengiselwano zezentengiselwano isebenza kuphela ekutholeni imali ethile yaminyaka yonke. Imali engaphezulu kweyokuthi ihholo le-Medicarea, futhi uma ine-nethithiyenu ingaphezu kuka-R650 000 (R6,50,50,5) yemali emishane yokwenyu emisha.

Intela yokuzisebenzela iqala ngenzuzo yenetha yakho ngeShedynal C. Uphinda-phinda 92.35% yaleyomali eholwayo ngesilinganiso esingu-15. Ngokwesibonelo, uma uhola i-$60 000 ngenzuzo yenetha, intela ozisebenzela yona ingu-R250,50,50 000 (R1,50), ihotela eliholela emalini elinganiselwa ku-R140 (R1,50). Lemali ikhululwe ngenkokhiso yeqophelo SEP, futhi ikwe ngaphezu kwenkokhiso yakho evamile. Intengo yengxenye yomqashi yenkokhi yokwezi yeholo yakhe (ingxenye yengqikithi yehholo) ingathathwa njengendlela yokulungisa inzuzo yemali nge-R1, ukunciphisa intela yakho ekhokhelwayo. Ukuqonda lentela kuyingozi ngenxa yokuthi inzuzo yakho ekhokhelwayo kanye kanye nenkokhelo yakho.

Abakhokhi Bentela Abalinganiselwayo: Ukuhlala Phambili Kwencwadi

Njengoba intela ingagodliwe eholweni lakho lehhala, i-IRS ifuna ukuba ukhokhe intela elinganiselwayo ngokwengxenye eyodwa kwezine. Lesimiso sivimbela ukukhokhwa kwentela engaphansi futhi siqinisekisa ukuthi awubhekene nemali enkulu yokukhokha ngoApril. Izikweleti zikhokha kokubili intela yakho yomsebenzi nentela yemali ehlawulwayo. Sebenzisa IMIS MPEND [AS [ Intela yakho elinganiselwayo. Izinsuku ezifanele ziwumhla ka- April 15, June 15, September 15, no-January 15 kanyaka olandelayo. Uma uphuthelwa isikhathi esimisiwe sonyaka, isijeziso singase sisebenze, ngisho noma ukhokha imali egcwele kamuva.

Ukunquma ukuthi ingakanani imali ongayikhokha, ilinganisela ingqikithi yemali yakho yenetha elindelwe ngonyaka futhi ususe izikweleti ozilindele. Sebenzisa izigebe zokukhokha intela ezifanele nesilinganiso sokuzisebenzela. Umthetho ophephile wetheku ungalula lokhu: uma ukhokha okungenani 100% wentela onayo ngonyaka odlule (100,000% uma iholo lakho elihlelwe kahle lalingaphezu kukaR150 000), uyokugwema ukukhokha izijeziso ngisho noma iholo lakho lamanje liphakeme. Abakhululeki abaningi bakhona bangasebenzisa itheku eliphephile lechweba ngonyaka odlule ([FLT:]] ukuqinisekisa ukunemba. Cabangela izinhlelo zezinhlelo zezinhlelo ezilinganiselwa ekukhokheni imali elinganiselwayo noma ukuhlola intela yobuchwepheshe ukuhlela izindleko ezithembekile. Ngaso sonke isikhathi izindleko zakho ezingakhokhwakhwaswa nge-GeneRR kusetshenziswa nge-Genethi elisebenza nge-FOTICTROGenetic (FS ST).

Ukunciphisa Intela Yakho Ekhululekile

Enye yezinzuzo ezinkulu kakhulu zokukhulula ikhono lokususa izindleko ezingokomthetho zebhizinisi, ukunciphisa iholo lakho elikhokhelwayo. Nokho, i-IRS idinga izikweleti ukuze zibe ezivamile futhi ezidingekile emsebenzini wakho. Ngezansi kuyizigaba eziyinhloko okufanele uzihlole.

Ukukhishwa Kwehhovisi Lasekhaya

Uma usebenzisa njalo futhi usebenzisa ingxenye yekhaya lakho yebhizinisi (njengoba indawo yakho eyinhloko yebhizinisi noma indawo yokuhlangana nabathengi------------------. Sebenzisa indlela ekhuliswe [[] njalo [R1] ngezinyawo-skwele, izinyawo ezingamamitha-skwele angu-300) noma indlela evamile (ikhokhela izindleko zangempela njengenzalo yendlu, i-atmosethi, i-atting, i-oseatting, kunye nokulungisa). Qaphela: indawo kumelwe isebenziselwe ibhizinisi kuphela. Igumbi elisebenzayo elisetshenziswa njengehhovisi lifanele, kodwa itafula lokudlela elisetshenziselwa umsebenzi alisebenzi ngaphandle kokuba liyindawo enikezelwe. Gcina izilinganiso nemibhalo.

Izinto Ezisetshenziswayo

Amacomputer, i-software, imibhobho, imibhobho, ifenisha yasehhovisi, nezinye izinto ezibonakalayo zingasuswa. Ngaphansi Ukuguqula 179, ungabiza ngokushesha imali efinyelela ku-R220 000 (2024) yokufaneleka kwempahla ngonyaka oyifaka enkonzweni. Okanye, ungasebenzisa izinga elinciphileyo noma elisesilinganisweni phezu kokuphila okuwusizo.

Ukuhamba Nokudla

Amabhizinisi ahamba kude nekhaya lakho lentela − njengokuya enkampanini yamakhasimende noma ukuya engqungqutheleni (ikhona ukukhomba ngesilinganiso semayela (amasenti angu-67 ngekhilomitha ngo-2024) noma izindleko zemoto ezingokoqobo. Ukuphanga kanye no 50% wokudla kwebhizinisi nakho kuyalahleka. Gcina isigqebhezana se-mayile kanye ne-ligister. I-IRS ihlola izintengo zokuhamba, ngakho ibhalwe injongo yohambo ngalunye.

Izinkonzo Zezobuchwepheshe Nemfundo

Izindleko ezingokomthetho, i-software yokukhokha, i-website engenisa izimpahla, ukukhangisa, kanye nezinga elifanele izinhlangano ezingochwepheshe azikho. Izindleko zemfundo ezilondoloza noma ezithuthukisa amakhono adingekayo ebhizinisini lakho lamanje azinakukho, kodwa izindleko zokufanelekela ukuhwebelana ngenye indlela. Ngokwesibonelo, umlobi okhululekile angadedela imali yokubhala, kodwa angakhokhi iziqu zomthetho.

Ama - Premium Empilo

Uma uzisebenzela futhi ungakufanelekeli ukuhlelwa umqashi, unganciphisa imali yomshuwalense wezokunakekelwa kwezokwelapha, amazinyo, futhi ofanelekela isikhathi eside, kuwena, umngane wakho womshado, nakubantu abaxhomeke kuye. Lokhu kuncishiswa kuthathwa njengokulungisa imali eholweni (umngcele we-17 ku-Form 1040), ukunciphisa i-AGI yakho.

Umlando Wokugcina Imikhuba Emihle

Amarekhodi anembile ayindlela engcono kakhulu yokuvikela izindleko zokuhlola izindleko kanye nempahla yakho enkulu kakhulu ekunciphiseni izindleko. i-IRS itusa ukuba ugcine amarekhodi okungenani iminyaka emithathu kusukela osukwini obuya ngalo, noma ngaphezulu kwezinye izimo.

  • [[I-FLT:0] I-akhawunti yasebhange nekhadi lokuthenga ngesikweleti: Sebenzisa i-akhawunti yokuhlola ibhizinisi elinikezelwe nekhadi lokuthenga ngesikweleti kuyo yonke inzuzo yesihle nezindleko. Lokhu kulungisa futhi kufakazele ukuthi imali yomuntu siqu neyebhizinisi ayixubene.
  • Amalishi e-digital kanye nemibhalo: I-skeni noma thatha izithombe zonke izirisidi. Sebenzisa ama-apps njenge-Expenses, i-Queck Yooktions Serper-Employd, noma ama-Dreault Book ukuze ulinganisele izindleko ngokuzenzakalelayo. Ukuhamba, ukulinganisa nge-logee usebenzisa izilandeli ze-GPS.
  • Ukuhlanganisa: Dala ishadi lama-akhawunti ahambelana nezigaba zeShedynal C (umzk., ukukhangisa, izindleko zehhovisi, uhambo, izinto ezizosetshenziswa). Hlola izigaba zakho ngokwengxenye eyodwa ukuze ugweme izikweli ezilahlekile.
  • Izivumelwano zeRetain kanye nezitatimende zebhange: Gcina amakhophi ezivumelwano zamakhasimende, isiqinisekiso (payPary, spide inlaves), kanye nezinhlobo ze-1099-NEC zaminyaka yonke.

Cabangela ukusebenzisa amakhambi okugcina amafu njenge-Google Drive noma ibhokisi lomphandle wezakhiwo zefolda lihlelwe ngonyaka wentela. Ukugcina amarekhodi amahle unyaka wonke kunciphisa ukuhanjwa kwamaphutha namaphutha okugcina.

Ukukhetha Isakhiwo Sebhizinisi

Abaholi abaningi baqala njengabagcini bomsebenzi, kodwa ibhizinisi lakho lithinta isibopho nempumelelo yentela. Nazi izindlela ezivamile zokukhetha.

Ukuzitika Ngobudlova

Lokhu kuyiphutha uma usebenza wedwa futhi ungasebenzisi ngokomthetho. Kunikeza indlela elula: Ubika iholo nezindleko kuShedynal C futhi ukhokhela intela yokuziqasha kukho konke okungenisa amanetha. Nokho, akukho sivikelo esikhona. Impahla yakho siqu isengozini uma ikhasimende limangalelwa. Ifanelekela izinkonzo eziphansi njengokubhala noma ukuklama.

Inkampani Elinganiselwe (LLC)

I-LLC inikeza isivikelo esinecala uma ivumela ukukhokhwa kwentela edlulayo (ayikho intela yenkampani). Ungaba ilungu elilodwa le-LLC elikhokhiwe njengentela eyodwa, noma ungakhethwa ukuba ukhokhelwe njengenhlangano ye-S. Inzuzo enkulu yentela ye-LLC ivikela impahla yomuntu siqu ezikweletini zebhizinisi. Ukusebenza kwezivumelwano nenkokhelo yemali yemali yombuso yenze umsebenzi wokulawula.

Ukukhethwa Kwenhlangano

Uma iholo lakho lenetha liphakeme (ngokujwayelekile lingaphezu kuka $600,000-$80 000), ukukhetha isimo senhlangano ye S kunganciphisa intela yokuzisebenzela. Njenge-S corp, uzikhokhela “umholo olinganiselwe” ozokhokha izintela ezisongwayo, futhi inzuzo esele isabelelwa njengenzuzo, engakhokhi intela yokuzisebenzela. Lokhu kungasindisa izinkulungwane unyaka ngamunye, kodwa kudinga ukukhokha intela eyinkimbinkimbi kakhulu (Form20-S). Hlolanisana nochwepheshe wentela ngaphambi kokwenza lokhetho.

Hlola izinga lemali oyitholayo, ukuchayeka engozini, kanye nemigomo emide. Imishini eminingi iqala njengemiklamo ehambayo kuphela bese iguqukela kwi-LLC noma i-S lapho ibhizinisi likhula.

Ukubuyisa Intela Yakho Yonyaka

Njengenkokheli, ukubuya kwakho kukahulumeni kuhlanganisa i-Form 1040, iShedynal C (Inzuzo noma Ukulahlekelwa Ebhizinisini), neShedynal SE (Intelligence-Employment stator). Kumelwe ubike yonke iholo kungakhathaliseki ukuthi uyayithola yini i-1099-NEC. Ngisho noma ikhasimende likhokha imali engaphansi kuka-R360, kudingeka ulibike.

  • C: Ubika amarisidi akho angathi sína (yonke imali ekhokhwa ikhasimende) ususa izindleko zakho zebhizinisi ukuze ufike enzuzoni yenetha noma ekulahlekelweni. Uma unamabhizinisi amaningi ahlukene, faka iShedyuli C ehlukile.
  • [[UMTL: 0] Intela efakwayo : ibala intela yokuzisebenzela yodwa esekelwe kwinzuzo yenetha ethathwe kuShedynal C. Ungasusa ingxenye yentela ye-SE ku-Form 1040 (umugqa 17).
  • amafomu angaphezulu: Uma unezisebenzi (ngisho nawe njenge-S corp), uzodinga amafomu okukhokhela (941, 940). Uma ukhokhela abenzi bezakhiwo abangaphezu kuka $600, kumelwe unike iFormal 1099-neC kubo. Izintela zikahulumeni zingadingeka futhi.

I-proftware yentela ngomshini iklanyelwe abantu abasebenza ngemisebenzi yabo (i-TurboTax Self-Employd, H&R Block Premium, njll.). Beka isikhumbuzo sokuqoqa i-1099 yakho ngasekupheleni kuka-January. Uma uphuthelwa isikhathi sonyaka ka-April, i-hele i-Form 4868 ukuze unwebe izinyanga eziyisithupha ezizenzekelayo, kodwa phawula ukuthi ukunwetshwa kwehele akusiqinisi isikhathi sokukhokha futhi ukhokhele noma isiphi isikwele esikweletiwe ngo-April 15 ukuze ugweme isijeziso.

Umshuwalense Wezempilo Nokulondoloza Umhlalaphansi

Abantu abasebenza bodwa kumelwe bazikhokhele ngokwabo izindleko zempilo namalungiselelo omhlalaphansi.

Ukukhishwa Komshuwalense Wezempilo

Njengoba kushiwo ngaphambili, ungasusa imali ekhokhwayo yakho, umngane wakho womshado, kanye nemali encike kuwe uma ungakufanelekeli ukuhlelwa umqashi osebenza ngenkani. Lokhu kuncishiswa kunciphisa inzuzo yakho elungisiweyo. Kumelwe ube nenzuzo yenetha ekuzithengeni intela yakho; ngeke idlule inzuzo yenetha yakho. Uma unesu elingcono kakhulu, unganikela futhi eMalini eHealth Saviers Aults Aunters (HSA), enikeza iminikelo ewuthathuthathu enele yentela, ukukhuphuzisa intela ekhululekileyo, nokuhoxa ngezindleko ezifanele zezokwelapha.

Izihlongozo Zokuthatha Umhlalaphansi Zezigebengu Ezikhululekile

Ngaphandle komqashi 401(k), kudingeka wakhele imali yakho siqu yomhlalaphansi. Izinketho ezimbili ezithandwayo yilezi:

  • IRA: Ivumela iminikelo efinyelela ku 25% yemali oyihola ngenetha lakho (noma 20% yenzuzo yenetha), elinganiselwa ku-R69 000 ngo-2024. Iminikelo iyakhokhelwa, futhi icebo lilula ukumisa ngamaphepha amancane.
  • SOLO 401(k): Iklanyelwe abantu abangasebenzi ngemisebenzi yabo siqu (abanye ngaphandle komngane). Unganikela ngoR2 000 (R2,50) njengezisebenzi (2024) uhlanganisa 25% yemali yenetha njengomqashi, ingqikithi efinyelela ku-R6000 (noma $76,500 (R1,500 uma uneminyaka engu-50+).

Khetha icebo elifanelana nemali yakho esebenzayo nemali oyitholayo. UVanguard, Fidelity, noSkwab unikeza ukukhetha okuphansi. Qala ukutshala imali ngaphambi kokuba ukhulise inzuzo.

Isibopho Sikahulumeni Nentela Yendawo

Abaqondisi bemvume kumelwe basebenzise isifundazwe nentela yendawo, ezihluka kakhulu. Okubalulekile kudinga ukucatshangelwa:

  • Intela yeholo yesifundazwe: Izifunda eziningi ziphoqelela intela yeholo (ngaphandle kwe-Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington, neWyoming). Uma uhlala noma wenza izinkonzo ezisezifundeni eziningi, ungaba nezibopho zokuhlela ezikwenye. Lokhu kuvamile kubantu abasebenza nabathengi ezweni lonke.
  • Intela: Uma uthengisa imikhiqizo engokoqobo noma izinkonzo ezithile zobuchwepheshe, ungadinga ukuqoqa nokubuyisela intela yokuthengisa esifundazweni lapho amakhasimende ehlala khona. Umbuso ngamunye unemikhawulo yawo (nexus yezomnotho). Ngokwesibonelo, izifunda eziningi zidinga ukubhaliswa uma unentengiselwano engu 200 noma u-R10,000 kulelozwe. Izinkonzo ezifana nokulungisa intela noma ukubuza zivame ukuvinjelwa, kodwa zihlole imithetho kazwelonke.
  • ilayisense yezentengiselwano nemvume: amadolobha amaningi kanye namabala adinga ilayisense yebhizinisi elivamile, ilayisense yobuchwepheshe, noma imvume yomsebenzi wasekhaya. Izindleko ngokuvamile zincane kodwa ukubhalisa kungaholela ekukhokheleni ifa. Hlola ihholo ledolobha lakho.

Sebenzisa imithombo enjenge iziqondiso zokubhalisa kwebhizinisi kanye noMnyango we Wewebhusayithi ye-Revenue ukuze uthole isiqondiso. Cabangela ukusebenzisa inkonzo enjenge-Avalara ekukhokheleni intela uma uthengisa ngaphesheya kwemigqa kahulumeni.

Ukugwema Amaphutha Avamile Nezimo Ezibangela Ukuphazamiseka

Abaqaphi bavame ukwenza amaphutha acela ukuba i - IRS ihlolwe noma ishiye imali etafuleni.

  • Ukuhlukanisa ama-ace njengezisebenzi ezizimele: Ukungalinganiswa kungaholela ezijezisweni ezibizayo. Sebenzisa i-IRS Form SS 8 noma ukuhlolwa kwe-20 yezezemisebenzi ukuqinisekisa ukuthi izisebenzi zakho zizimele ngempela.
  • [ Ukukhokha izintela ezilinganiselwayo: Ngisho noma ungenakweleta izijeziso, ukukhokha intela elinganiselwayo kungabangela izinkinga zokugeleza kwemali. Beka eceleni 25/30% yenkokhelo ngayinye ebhangeni elihlukene.
  • Ungalandeleli amaphesenti empahla ebhizinisi: ukuze uthole izinto ezifana nemoto esetshenziswayo ngokomuntu siqu nangebhizinisi, kumelwe unike izindleko ezisekelwe emithani. Gcina iwindi ngesikhathi esisodwa.
  • [ Ukwehlisa izikweleti zokudla noma zokuzijabulisa: Amaphesenti angu-50 kuphela okudla kwebhizinisi ancishisiwe; ukuzijabulisa (amathikithi e-ater, igalofu) akuvamile ukuphunyulwa ngemva kwenguquko yentela ka-2017.
  • Ukuvala ama- Shedynal C kanye nokulahlekelwa: Uma ubonisa ukulahlekelwa iminyaka eminingi, i-IRS ingahlela kabusha umsebenzi wakho njengomsebenzi wokuzilibazisa, ilahle izikweleti. Kuqinisekisa ukuthi usebenza ngesisusa senzuzo futhi ubhale uhlelo lwakho lwebhizinisi.

Izimpawu zokuhlola ezivamile zihlanganisa ukuntenga kakhulu kwehhovisi lasekhaya ngokuphathelene neholo, iminikelo emikhulu yokuphana, kanye nezilinganiso zendingilizi.

Isikhathi Sokudedela Isikhulu Sentela

Nakuba abahlwitha abaningi bezintela besebenzisa i - program, ukuqasha i - Certificant (CPA) noma i-Erollet Memon (EA) kungazikhokhela yona ngokwayo.

  • Imali oyitholayo iyinkimbinkimbi — izifundazwe, amakhasimende asemhlabeni wonke, noma izinhlangano eziningi zebhizinisi.
  • Unezisebenzi noma ucabangela ukhetho lwe - S corp.
  • Uhlolwa noma uthole isaziso se - IRS.
  • Ufuna ukwenza indlela yakho yokukhokha intela efanele, hhayi nje ukuvumelana nayo.
  • Awunaso isikhathi noma ukwethemba ukuphatha izingcezu eziwujuqu nezikweleti.

Intela ingakusiza ukuba uhambe ezindaweni ezimpunga, uhlele ukuthatha umhlalaphansi, futhi uqinisekise ukuthi uthatha zonke izikweleti ezifanele. Bheka ochwepheshe abanolwazi lwentela yokuzisebenzela. ikhodi yentela [ ingasiza ekutholeni abaphathi ababhalisiweyo.

Isiphetho

Ukuzinika inkululeko enkulu kunikeza inkululeko, kodwa kudinga ukujezisa lapho kuziwa ekukhokheni izintela. Ngokuqonda intela yokuzisebenzela, ukukhokha izindleko ezilinganiselwa kuma-25, ukulondoloza amarekhodi acophelelayo, nokukhokha imali ekhokhelwayo, ungagcina imali yakho eshisiwe enzima. Ukukhetha ibhizinisi elilungile, ukuhlela umhlala-phansi, nokulalela imithetho yendawo kuqinisa isisekelo sakho sezimali. Isihluthulelo siwukuhlala usebenza ngokuqhubekayo, ulinde kuze uApril acabange ngentela. Sebenzisa amathuluzi namasu ahlelwe ahlelwe kulesihloko, futhi ucabangele ukubheka uchwepheshe bezeluleko lwentela enikezwa umuntu siqu. Ngokuhlela okuhle, imithwalo yakho yentela iyalawuleka, ikuvumela ukuba ugxile ekukhuleni umsebenzi wakho wezenzwe.