Ukukhokha intela kuwumthwalo oyinhloko wokuba isakhamuzi, kodwa lenqubo ingaba namandla kwabaningi. Ngokufunda izinhlelo zentela ezisebenza esimweni sakho ukukhetha indlela engcono kakhulu yokukhokha nokuqonda imiphumela yokulahlekelwa isikhathi, ibalazwe elicacile lomgwaqo libalulekile. Lokhu kukuqondisa eqophelweni ngalinye lenqubo yokukhokha intela, ukunikeza iseluleko esisebenzayo ukuze uhlale ungenandaba, unciphise ukucindezeleka, futhi ugweme izijeziso ezibizayo.

Ukuqonda Izindlela Zentela: Isisekelo Sokubika Ngokunembile

Ngaphambi kokuba ukhokhe izintela zakho, kumelwe uqale uqonde ukuthi iziphi izakhiwo okudingeka uzifake phansi. Amafomu aqondile axhomeke esikhungweni sakho sokubhala, entunjeni yemali, nakuthengwa. Ukusebenzisa ifomu elingalungile noma ukulahlekelwa isimiso esidingekayo kungabambezela imali yakho yokuthenga noma kubangele ukubhaliswa kwemali.

Izimo Eziyinhloko Zentela

E-United States, i-IRS isebenzisa izindlela ezivamile zokubika iholo.

  • FORm 1040 - Ibuya lentela yomuntu ngamunye eholwayo. Abakhokhi bentela abaningi basebenzisa loluhlobo noma ukuhlukahluka kwalo (1040-SR kwabakhulu). Ithatha ingqikithi yemali yakho, ukulungisa, izikweletu, nezintela ezikweletayo.
  • [[UMTH:0] IForm 1040-ES – isetshenziselwa ukulinganisela ukukhokha intela uma uzisebenzela noma ungenayo iholo elifanele ukugonywa.
  • [[UMTH:0] IForm 1040-X - Ukubuya okubekwe nge-metrad kugcinwa ukuze kulungiswe amaphutha kuleyo ebekwe phambili 1040.

Izinhlobo Zokubuyela Olwazini Okufanele Wazi

La mafomu akhishwa abaqashi, izikhungo zezimali, nabanye abakhokheli. Awuwabhali wena, kodwa kumelwe usebenzise ukwaziswa okuqukethe ukuze ulungise ukubuya kwakho:

  • W-2[ - Imibiko yeholo, intela, kanye nentela egodliwe. Umqashi wakho makathumele lokhu ngoJanuary 31.
  • -neC - Ibika isinxephezelo sokungasebenzeli esikhokhelwa abahlawuli abakhululekile nabakhi abazimele.
  • -INT - Ibika inzalo etholakala emabhange noma ama-akhawunti emali.
  • -div[ - Imibiko inzuzo kanye nokuthola inzuzo enkulu.
  • -G[[FLT]-- - Ibika ukuswela umsebenzi, izikhokhiso zikahulumeni, kanye nezikhokhiso ezithile zikahulumeni.
  • [[UMTL:0] 1099-MISC - Ibika iholo elididayo njengentela, imiklomelo, noma izindleko zezokwelapha.

Izimo Zokuziphilisa Nezebhizinisi

Uma unebhizinisi elincane noma usebenza njengomakhi ozimele, cishe uyodinga ezinye izimiso:

  • I-'drapule C'[[FLT'] - Imibiko yenzuzo noma ukulahlekelwa yi-propritashi.
  • [[Umthetho:0] Ukunyuswa kwe-SE - - Ukubala intela yokuzisebenzela ye-social Security and Medicare.
  • I-checutura K [1[FLT] - Ibika ingxenye yakho yeholo, izikweleti, nezikweletu ezivela ebuhlotsheni, ezinkampanini, ezindaweni, noma eziphathisiwe.

Izinhlobo Zentela Zezwe Nezendawo

Izifunda eziningi zidinga ukubuyiselwa intela ehlukene. Ezinye zinezikhokhi zentela eziyisicaba, kanti ezinye zithweswe iziqeshana. Izifundazwe ezimbalwa ``Alaska, Florida, Nevada, South Dakota, Texas, Washington, ne Wyoming Washington/ayinayo intela yemali kahulumeni. Hlola nomnyango kazwelonke wemali yemali yezindlela ezilungile nemithetho egciniwe.

Indlela Yokukhokha Intela: Izindlela Nemikhuba Emihle

Uma ukubuya kwakho sekuphelele, kudingeka uphinde ulinganisele. Izinhlangano zentela zikahulumeni ne-IRS zinikeza iziteshi eziningana zokukhokha, ngayinye enezinzuzo zayo siqu nezici ezingafani.

Izinketho zokubhatala ngogesi

Inkokhelo yobuchwepheshe iyindlela esheshayo, elondeke kakhulu, futhi inikeza ukuqinisekiswa okusheshayo.

  • [[QURT:0] IMIKHWALO Eqondile - Inkonzo yamahhala ekuvumela ukuba ukhokhe ngokuqondile ekuhloleni kwakho noma ebhange. Ungahlela ukukhokha kuze kube izinsuku ezingu-35 kusengaphambili.
  • Imali ebekelwe i-Actronic Accoral [[FFW] - Sebenzisa lokhu lapho ukhipha intela yakho. Unikeza ulwazi lwe-akhawunti yakho yasebhange, futhi i-IRS ikhipha imali ngosuku olukhethayo.
  • IMIBUZO ye-Online Akhawunti - Ikuvumela ukuba ubheke ukulinganisela kwakho, ukhokhe, noma uhlele uhlelo lokukhokha. Ungakhokha futhi usebenzisa ikhadi lokuthenga ngesikweletu noma lokukhipha isikweleti ngesigaba sesithathu esigunyaziwe (imali esebenzayo).
  • Ukudlulisa ucingo lwemini - Ngenkokhelo enkulu, ephuthumayo, ungasebenzisa iNkonzo yeNqalo yeThohoho eqoqiwe (FTCS) yocingo. Xhumana nebhange lakho ukuze uthole iziyalezo kanye nolwazi lwebhange le-IRS.

Ukukhokha Ngokuhlola Noma Ngokuhleleka Kwemali

Nakuba kungavamile manje, abakhokhi bentela abaningi basathanda amasheke ephepha. Uma uthumela inkokhelo, landela lezi ziqondiso:

  • Isheke lenze likhokhelwe “I - United States Treasurer” (noma igama lenhlangano yakho yentela kahulumeni).
  • Bhala inombolo yakho ye-Social Security, inombolo yocingo emini, unyaka wentela futhi ibhale (umz., “2024 Ifomu 1040”) emgqeni weposi.
  • Sebenzisa imvilophu ekwincwajana yentela noma hlola ingosi ye - IRS ukuze uthole ikheli elifanele leposi.
  • Thumela isheke ngaphambi kakhulu kokuphela kwesikhathi sokugwema izikhawu zokuthunyelwa. Iposi eliqinisekisiwe liyatuswa ukuze kutholakale ubufakazi be-lista.

Ukubhapathizwa Kwekhadi Lokuthenga Ngomcimbi Nekhadi LaseDebit

I-IRS yamukela inkokhelo nge-Visa, Mastercard, American Express, and Discover ngemishini egunyaziwe yokukhokha. I-projekthi ngayinye ikhokha imali enele (ngokuvamile engu-1.85% kuya ku-2. Imali ekhokhwayo ikhokhelwa intela njengezindleko ezidilizayo. Qaphela ukuthi ukusebenzisa ikhadi lokuthenga ngesikweleti kungangenisa futhi inzalo noma inkokhelo evela kumnini khadi lakho.

Ukukhokha Ngezimo: Amalungiselelo Okubhatala

Uma ungakwazi ukukhokha intela yakho yonke ngesikhathi esimisiwe, ungacela isivumelwano esincane.

  • Icebo lokukhokha inkokhelo ngenkathi ethile - Ngenani elingaphansi kuka-R1 000. Ukufinyelela ku-800. Akukho ntela yokuhlelwa, kodwa inzala nesijeziso kuyaqhubeka kuqhubekela phambili.
  • Uhlelo lokukhokha inkokhelo lwesikhathi eside (isivumelwano sokukhokha) – Ngenani elingaphansi kuka-R30,000. Khokha nyanga zonke. Imali emisiwe isebenza (R11-R1) kuye ngeholo lakho nokuthi ubhalise ku-inthanethi).
  • [ Ingxenye yesivumelwano sokukhokha ingxenye enkulu[ – Kubakhokhi bentela abangakwazi ukukhokha imali ephelele. Ifuna ukwambulwa okuningiliziwe kwezimali.

Ungafaka isicelo sokukhokha izindleko kuyi - IRS.gov usebenzisa ithuluzi le - Online Prepedial Accounting. Izinhlangano zikahulumeni zentela zivame ukunikeza izindlela ezifanayo zokukhetha — hlola amawebhusayithi azo ngokuqondile.

Ukusebenzisa Isikhulu Sentela

Ama - CPA amaningi namanxusa abhalisile angahlela ukukhokha imali yakho nge - program yawo futhi angase akusize ukuba ubeke imali ekhokhwa ngemishini noma izivumelwano ezithile.

Ukuqonda Icala Lentela Nendlela Yokuligwema

Ezinye zalezi zijeziso ziningi futhi zingakhula ngokushesha. Ukwazi ukuthi yini ebangela ukuba zithathe isinyathelo sokuqala sokuzigwema.

Ukwehluleka Ukulahlwa Kwefayela

Uma ungabhali ubuye ngosuku olufanele (kuhlanganise nezandiso), i-IRS ijezisa nge 5% yentela engakhokhelwa inyanga ngayinye noma ingxenye yenyanga yakho ukubuya sekwephuze kakhulu, kufinyelela ku-25%. Uma ukubuya kwakho kwephuze kakhulu ngezinsuku ezingaphezu kwezingu-60, isijeziso esincane kakhulu singaphansi kuka-485 noma 100% wentela engakhokhelwa. Leso isijeziso singenye yentela engagwenywa kakhulu engakhokhwa kakhulu (ihele) ngesikhathi ngisho noma ungakhokhi.

Ukwehluleka Ukukhokha Imali

Uma ufaka ifayela ngesikhathi kodwa ungakhokhi ngokugcwele, i-IRS ikhokha intela engakhokhelwa engamaphesenti angu-0.5% ngenyanga, isilinganiso sengqikithi sifinyelela ku-25% phakathi kwesivumelwano esivunyelwe. Lesi sijeziso sihlukile kwisijeziso samuva, kodwa kokubili kungasebenza ngesikhathi esisodwa.

Isigwebo Esihlanganisiwe Sokubhaka Nje Okwesikhathi Esizayo

Uma zombili izijeziso zisebenza inyanga eyodwa, isilinganiso sokwehluleka ukufika kuhele sincishiswa ngesilinganiso semali ehlawulwayo ngaleyonyanga. Ngakho ngenyanga yokuqala ngemva kokuphela kwesikhathi, ungakweleta 4.5%% - 0.5%) isijeziso sokukhokha nesijeziso esihlanganisa i-0.5% yesijeziso, ngengqikithi ka-5%. Uma ufaka i-freeter yezinsuku ezingamashumi ama-60, isijeziso esincane sisebenza esikhundleni sezibalo zenani elibhaliwe.

Isigwebo Esivezwe Ngokunembile

Uma i-IRS inquma ukuthi awuyikhokhi kahle intela yakho ngenxa yokunganaki noma ukubhalisa okungathi sína, ungabhekana nesijeziso samashumi amabili nanhlanu emali ehholwayo. Lokhu kungasebenza futhi uma ucela intethelelo noma ikweletu ngaphandle kwesisekelo esiqinile. Ukuze ugweme lokhu, gcina imibhalo ephelele futhi uthintane nochwepheshe wentela ukuze uthengise ngezindlela eziyinkimbinkimbi.

Intela Elinganiselwayo

Uma uzisebenzayo noma unemali ebanzi oyitholayo, kungadingeka ukhokhe intela ngokwesilinganiso esingaba-25. Ukwehluleka ukukhokha ngokwaneleyo unyaka wonke kungaphumela esigwebweni, ngisho noma ukhokhela ukulingana okugcwele ngoApril 15. Isijeziso silingana nesilinganiso esifushane sesikhathi sikahulumeni kanye nesithathu%, esikhushuliwe nsuku zonke. Ungakugwema lokhu ngokusebenzisa isimiso se-IRS “njengekhokha-go”: kungaba ukwanda kokukhokha iholo noma ukwenza inkokhelo elinganiselwa ngokulinganiselayo usebenzisa i-Form 1040-E.

Izinzuzo

Inzalo ingenisa noma iyiphi intela engakhokhelwa kusukela ngosuku olufanele lweyokuqala kuze kube usuku okhokha ngalo. Isilinganiso silinganiselwa ngokwengxenye yesine, manje isilinganiso esifushane sikahulumeni kanye nesithathu%. Inzalo ayisona isijeziso − kumane kuyizindleko zokuboleka imali kuhulumeni(*) kodwa inezela ngokushesha.

Ukujeziswa Kwezigebengu Ngenxa Yokuhoxa Entelani

Ukwehluleka ngamabomu ukubuyisela, ukunikeza ukwaziswa, noma ukukhokha intela kungaholela ekumangalelweni. Ukugwetshwa kwentela (ngabo bonke ukubika inzuzo noma ukuthengiselwa) kuyisijeziso esibi kakhulu sokukhokha imali engafinyelela ku-R250 000 (R1,50 000) nokuboshwa iminyaka emihlanu. Izijeziso zokukhwabanisa komphakathi azisoze zibhekane namacala obugebengu, kodwa ukuqonda ukuthatha isigwebo okungathi sína kukhuthaza ukukhonzwa.

Amacebiso Awusizo Okuhlangenwe Nakho Kokukhokha Intela

Ngokulungiselela kancane, ungayinciphisa yonke lenqubo futhi unciphise ingozi yamaphutha noma izijeziso.

Gcina amarekhodi ahleliwe Onyaka

Ukugcina amarekhodi amahle kuyindlela ephumelela kakhulu yokugwema izinkinga zentela.

  • Zonke W-2, 1099, kanye nezitatimende zeholo
  • Ama - pageni ezindleko ezitholakalayo (izikweletu zezokwelapha, iminikelo yokusiza abasweleyo, izindleko zamabhizinisi)
  • Izitatimende zemali ebhange neyokutshala imali zibonisa isithakazelo nenzuzo
  • Amarekhodi entela elinganiselwayo enziwa
  • Ngaphambi konyaka intela iphinde ibhaliswe ukuze kubhekiswe kuyo

Sebenzisa ithuluzi lokugcina amafu noma ikhabethe eliyifakelwe.

Izikhumbuzo Zezici Eziyinhloko Ezifile

Unyaka ngamunye wentela unezinsuku ezibucayi:

  • NgoJanuary 31 – Abaqashi nabakhokheli kumelwe bathumele oW-2 no-1099.
  • U-April 15 – Umuntu ngamunye ukhokhela intela futhi noma isiphi isibalo esifanele. Uma lolo suku lufika eholidini noma ngempelasonto, isikhathi sidlulela ebhizinisini elilandelayo.
  • June 15 – Inkokhelo yentela yesibili elinganiselwayo ifanele abantu abasebenzayo.
  • USeptember 15 – Isithathu walinganisela ukukhokhwa kwentela okufanele.
  • Ngo - October 15 – isikhathi esinqunyiwe salabo ababegcina i - Empmo 4868 ngo - April 15.

Ama - computer ekhalenda, ama - computer entela noma ukumane ubhale lezi zinsuku ekhalendeni elingokoqobo kungakusiza ukuba uhlale usesimweni esihle.

Cabanga Ngokusebenzisa I - Software Yentela Noma Uchwepheshe

I-software yentela (i-TurboTax, H&R Block, i-TaxSlayer) ingakusiza ukuba ubone amafomu alungile, izikweleti nezikweleti, kanye ne-e-hele ukubuya kwakho. Abaningi futhi banikeza ukusekela kokuncintisana. Uma isimo sakho siyinkimbinkimbi (uma unebhizinisi, unezakhiwo zokuqasha, noma ukhuluma ngempikiswano yentela ye-CPA noma i-arhentergister ingasetshenziswa kahle. Ochwepheshe bangakumelela futhi phambi kwe-IRS.

Hlala Unolwazi Ngokushintsha Komthetho Wentela

Imithetho yentela ishintsha njalo. Izinguquko zamuva zihlanganisa ukulungisa intela encishisiwe, izibhuleki zentela, imingcele yomnikelo womhlalaphansi, nenani lentela yezingane. I-IRS ikhipha ikhasi lenguquko nefushaniselo. Izintela zikahulumeni, hlola ingosi yemali kahulumeni yakho minyaka yonke.

Hlaziya Ukubuya Kwakho Ngaphambi Kokuba Uzithobe

Amaphutha alula − njengokuthumela inombolo yakho yeNhlala- kahle, ukukhohlwa ukusayina, noma ukungena ebhankini elingalungile ukuze uthole indawo ebotshelelwe ngqo(-ayikhoday) noma izimemezelo zokuyifaka. shicilela ikhophi yokubuya kwakho futhi uyifunde. Sebenzisa i-IRS’s “Ikuphi iNguquko Yami?” ithuluzi ngemva kokuhlela ukuqhubekela phambili emkhondweni.

Okufanele Ukwenze Uma Ungenakukwazi Ukukhokhela Isikhathi

Ukuphila kwenzeka: Ukulahlekelwa umsebenzi, isimo esiphuthumayo sezokwelapha, noma inhlekelele engokwemvelo kungenza kube nzima ukukhokha intela yakho ngokugcwele.

Ungazinaki i-IRS iqaphela. Phendula ngokushesha. Uma ubhekene nobunzima obungokwezimali, i-IRS inezinhlelo zokukusiza ukuba uthole i-IRS ngaphandle kokuqoqa imali ngonya.

Isiphetho

Ukukhokha intela kuyinqubo ebaluleke kakhulu: iwumsebenzi okwazi ukulawulwa ngonyaka. Ngokufunda amafomu asebenza emholweni wakho, ngokukhetha indlela eyiyo yokukhokha, nokuhlala ngaphambi kwezikhathi ezimisiwe, ungafeza izibopho zakho ngokuphumelelayo nangokuqiniseka. Okubaluleke kakhulu: [[FLT: 0] uhele ngesikhathi kanye no-IRS uma ubhekene nobunzima bokukhokha. Indlela engcono ekuvikeleni ezijelweni ezinhlisweni ezinzima kakhulu futhi ibeke isigaba ngesikhathi sokulalela okude ngokwezimali.