Isikhathi sentela sivame ukuhlanganisa ingethusa nokudideka, kodwa ukuqonda indlela umsebenzi oncishiswa ngayo intela okungenye yezindlela eziphumelela kakhulu zokunciphisa imali yakho. Ukuncishiswa kwemali yakho ekhokhelwayo, okungakusindisa amakhulu(noma izinkulungwane) zamaRandi. Nokho abakhokhi abaningi abakhokhi abawanaki amasheya asemthethweni ngenxa nje yokuthi abazi ukuthi akhona noma abacabangi ukuthi bawina. Ngokujwayelana nemali encishisiwe kakhulu, ungaqinisekisa ukuthi awuyishiyi etafutheni uma ubuya.

Ukuqonda Izikhungo Zentela

Ngokwesibonelo, uma uhola ama - dollar angu - 60 000 futhi ukhokhela ama - dollar angu - R2 000 (R1 000) ukhokha intela ngo - R48 000 kuphela.

Uma ufaka ihele, unezinto ezimbili ongazikhetha: thatha intethelekiso elinganayo [ [inani elimisiwe elisekelwe esimweni sakho sokushaya) noma ulinganise amasheya akho[ (udweba izindleko ezifanele ngazinye). Kufanele ulinganise kuphela uma ingqikithi yezikweli zakho ezithelwe ngokwesilinganiso idlula isilinganiso esivamile. Ngo-2023, isilinganiso singu $13,850 (R27) kumafayela angena imibhangqwana eshadile. Uma unekhaya lakho, unezindleko ezinkulu zokwelapha, noma wenze izipho eziwusizo, ezikhokhelwayo ezivame ukukhokha.

Ngokuvamile Kubhekwe Izithunzi

Kuphuthelwa izintengo eziningi ngenxa yokuthi zidinga amaphepha engeziwe, isilinganiso semali ehholo, noma azaziwa kahle. Ngezansi sihlola ezibaluleke kakhulu ngokuningiliziwe, kuhlanganise nemithetho ehlelekile, imingcele, kanye nezindlela zokugcina amarekhodi.

Izindleko Zezokwelapha

Ungasusa izindleko zezokwelapha ezidlula .7,5% yemali yakho elungisiweyo (AGI). Lomnyango uphansi kunokuba abantu abaningi beqaphela, ngakho uma ube nonyaka onezindleko eziphezulu zokwelapha, ungafaneleka. Izindleko ezifanele zihlanganisa:

  • Ukuvakashela udokotela, udokotela wamazinyo nochwepheshe
  • Ukuhlala ezibhedlela nokuhlinzwa
  • Imithi egunyazwa udokotela
  • Imali yomshuwalense wokunakekela isikhathi eside (ngokuvumelana nemingcele esekelwe ebudaleni)
  • Izindleko zokuhamba zokunakekelwa kwezokwelapha (isib., imayela, ukupaka izimoto, amabhilidi)
  • Izinto ezisiza ukuzwa, izibuko zamehlo, nama - contact lens
  • Imishuwalense yempilo uma uziqasha (etholakala ngaphezu kwe - layini)

Gcina amalithi, izitatimende zebhange, kanye namasuntswana ezempilo kufingqa. I-IRS imisa isilinganiso esivamile sobubanzi bebanga lezokwelapha unyaka ngamunye (umz., amasenti angu-2 ngekhilomitha ngo-2023). I-IRS Transdification 502 inikeza uhlu oluphelele lwezindleko ezifanele. I-ISTIRS REPURD 502 (IMIKCTY)[.

Umbuso Nentela Yendawo (ISIKHATHI)

Ungakhipha intela yeholo nendawo uhulumeni nentela yokuthengisa yendawo, kodwa hhayi kokubili. Ngaphezu kwalokho, ingqikithi yentela kahulumeni neyomphakathi (kuhlanganise nentela yempahla) igawulwe $$ $5 000 [R120] uma ithengiselwe ngokwehlukile). Lesethi yabekwa yi-Cuts noMthetho ka-Jobs ka-2017 futhi iyaqhubeka isebenza ku-2025.

Uma uhlala esifundeni esingenayo intela yeholo (njenge-Texas, Florida, noma i-Nevada), ungazuza kakhulu ngokususa intela yokuthengisa. I-IRS inikeza amathebula entela engakhethi esekelwe emholweni wakho nendawo, noma ungalondoloza amathilishi angokoqobo okuthenga okungathi imoto noma isikebhe. Kubenzi bentela abaningi, indlela elula ukusebenzisa amathebula. Ukuze uthole isiqondiso, bheka Intela ekhokhelwayo [503: Intela ekhokhwanywayo.

Ama - Premium of Mortgage

Uma uthenge indlu ekhokha imali engaphansi kwe-20%, ngokunokwenzeka ukhokhela umshuwalense wesikweletu (PMI) noma imali yomshuwalense wefashoni yokweleta. Lemali ngokuvamile incishiswa njengenzalo yesikweletu uma ufaka imali, kodwa izigaba ezithelwe inzuzo ezithelwe abakhokhi bentela abaphezulu (AGI ngaphezulu kuka-109 000 (R1203 000) kunyuswa u-2023 nge-Apprias Act, 2023.

Ukuze uthi, umshuwalense wakho wesibambiso kumelwe ube ngokuqondene nemali ebolekwayo esetshenziselwa ukuthenga, ukwakha, noma ukuthuthukisa ikhaya lakho elikhulu noma ikhaya lesibili. Bheka iForm kabolekisi wakho 1098 (noma isitatimende esithathelwanayo) ngemali ekhokhelwe. IWABHIS 936: Inzuzo Yasekhaya .

Iminikelo Yokunikela Ngezimali

Ukunikela ngemali noma izimpahla ezifanelekayo kusiza abaphayo abadinga intela ekhokhwayo. Ukuze uthenge imali ekhokhwayo, udinga irekhodi lebhange noma ukuqashelwa yimali ebhalwe kuleyo minikelo yokusiza abasweleyo. Impahla engeyo-cash (indwangu, ifenisha, impahla yasendlini), ithengiselwa imali engcono kakhulu ngenxa yokwethengwa kahle kwempahla yemali.

Imithetho ebalulekile:

  • Iminikelo ye-IRS egunyazwe kuphela 501(c)(3) engekho.
  • Iminikelo yemali engu - R250 noma ngaphezulu idinga irisithi ebhaliwe kuleyonhlangano yokusiza abaswele.
  • Uma uvolontiya, ungasusa izindleko ze - pocket (isisho, ikhilomitha elingamasenti angu - 14 ngekhilomitha ngo - 2023, ipali, amaholo) kodwa hhayi inani lesikhathi sakho.
  • Iminikelo engekho ngamakheshi engaphezu kuka - R180, kumelwe ubhale phansi iForm 8283 futhi ungase udinge ukunconywa okufanelekile kwempahla engaphezu kuka - R150 000.

Iphutha elivamile ukukhohlwa iminikelo eyenziwa ngenkokhelo yemali noma ngesikhwama semali esikhokhelwe umniniyo. Gcina konke ukuvuma nezitatimende. Ukuze uthole imininingwane eyengeziwe, bheka iminikelo ye-Charitable .

Izindleko Zemfundo

Izikweleti eziningi ezihlobene nemfundo nezikweleti zinganciphisa intela yakho. Izikweleti ezivame kakhulu zemali ezithengwayo zezemali nemali (Izinga ne-Feduction iphelelwe ngemva konyaka ka-2020, kodwa ezinye izindlela zikhona). Uma ukhokhela imfundo ephakeme, umngane wakho, noma oncikene naye, cabanga:

The home office deduction is often misunderstood and feared because of audit concerns, but it is perfectly legitimate if you meet the requirements. To qualify, you must use a portion of your home exclusively and regularly as your principal place of business, or as a place where you meet clients or customers. The space does not need to be a separate room—a clearly defined area like a desk in a corner works, but it must be used only for business. You cannot deduct a space used for both personal and business purposes.