Ukuqonda Izisekelo Zokufunza Intela

Intela yokukhokha isibopho esingokomthetho kubantu abaningi namabhizinisi e-United States. Le nqubo ihilela ukubika iholo lakho, izikweleti, nezikweleti ukuze kutholakale ukuthi unecala elingakanani noma intela edingwayo. I-Internal Revenue Service (IRS) imisa imithetho, futhi imithetho iqinile. Ukungangeni usuku lokuhlela kungaphumela ezijezisweni nasemdlalweni. Lokhu kuzokuqondisa okukhudlwanayo ukukusiza ukuba ulandele ngokunembile nangesikhathi.

Izihloko eziningana eziyinhloko zakha isisekelo sencwadi yentela yase - United States:

  • Unyaka we-Tax: Inkathi yenyanga engu-12 ehlanganiswa ukubuya kwakho. Abantu abaningi basebenzisa unyaka wekhalenda (January 1 kuya ku-December 31). Amabhizinisi angasebenzisa unyaka we-fiscal.
  • Isimo somshado wakho sokuzinza: Isimo somshado wakho ngosuku lokugcina lonyaka sinquma isimo sakho. Ukukhetha kuhlanganisa ukungashadi, ukushefa komshado, ukusheshisa ngokuhlukene, iNhloko yendlu, neQualifing Primen(er). Isimo sakho sithinta igebe lentela yakho, isilinganiso esivamile, kanye nokukhomba kwezikweletu ezithile.
  • Izihlomelo ezixhunyiwe: Lezi zinciphisa intela oyikhokhayo. Ungakhetha intethelelo ejwayelekile (inani elimisiwe elisekelwe ngokwesimo) noma ulinganise izinto njengenzalo yendlu, iminikelo yokusiza abasweleyo, nezindleko zezokwelapha. Ukuthatha imali ngokuvamile kunengqondo kuphela uma ingqikithi yakho idlula izikweli ezivamile.
  • [[FLT: 0] Izikweleti ezibolekwayo: Lezi zinciphisa ngokuqondile icala lakho lentela, idollar ngedola. Izibonelo zihlanganisa i-Inhoeting Inhost fores (EITC), Inters yabantwana, kanye nemali yokubolekisa ngemfundo. Ezinye izikweleti ziyaboleka, okusho ukuthi ungathola i-accunding noma ungenayo intela.
  • Imali elungiswe nge-Gross Infection (AGI): Ingqikithi yeholo lakho ithatha ushintsho oluthile (njengeminikelo ye-IRA nenzalo yomfundi). I-AGI iyisiqalo sokubala izikweletu nezikweletu.

Ukuqonda lezi zizathu eziyisisekelo kukusiza ukuba usebenzise izindlela zentela futhi wenze izinqumo ezilondoloza imali. Ezincazelweni ezingokomthetho, bhekisela ku- IRS REP 17[.

Isinyathelo 1: Butha wonke amadokhumende adingekile

Ngaphambi kokuba uqale ukulungiselela ukubuya, qoqa wonke amaphepha adingekayo. Amaphepha angekho aholela ekulibaleni ukuqoqa amasheke, amaphutha ezibalo, nokulahlekelwa izikweleti.

Amadokhumende okutholwa

  • Ifomu W-2 Ifomu: Ithengiswe umqashi wakho ngeholo, intela, kanye nezinye izinxephezelo. Kufanele uyithole ngoJanuary 31.
  • [[IMIFLT:0] Izinhlobo ezihlukahlukene: Izinhlobo ezihlukahlukene zombiko weholo elingasebenzi. Ezivamile zihlanganisa:
    • -INEC yomsebenzi wehhala noma wesivumelwano (ongaphambili 1099-MC ngokukhokhelwa ukungasebenzi).
    • kanye -ekwakheni inzalo kanye neholo elihlukaniswe kumabhange noma ezimali.
    • -G ekukhokheni intela kahulumeni njengentengo kahulumeni noma isinxephezelo sokungabikho kwemisebenzi.
    • [[UMTL:0][[[FLT]] wokwabelwa kwempesheni, okungathatha noma ama-akhawunti omhlalaphansi.
    • ngekhadi lokukhokha nengxenye yesithathu yenethiwekhi (uma uthengisela izimpahla noma izinkonzo ngezindawo zepulatifomu njengePayPal, Vendo, noma i-ebay).
  • Ezinye iziqophi zemali: izitatimende zemali eholayo, amarekhodi okuziqasha, ukugembula, nanoma imiphi eminye imithombo.

Izindleko Nemibhalo Egciniwe Yokukhipha Imali

  • Funda izincwadi ezichaza iminikelo yokusiza abaswele (amakheshi namakheshi).
  • Izinkulumo zesithakazelo esitholakala embolekisini wakho (Form 1098).
  • Amarisidi entela yempahla.
  • Amarekhodi ezindleko zokwelapha namazinyo (uma ufaka okuthile).
  • Izinhlobo zezindleko zokufundisa (Form 1098-T zemali etholakalayo nezindleko ezihlobene nayo).
  • Ukukhokha amarekhodi okunakekela izingane (igama, ikheli, ne - EIN noma SSN).
  • Izindleko ezihlobene nebhizinisi uma uziqasha (izinto ezidingekayo ehhovisi, imayile, imishini).

Ukuchazwa Nokwaziswa Konyaka Wangaphambi

  • Ukuzilondela, ukulondeka komngane wakho womshado nanoma iziphi izinto ezincike kuwe.
  • Ngaphambi konyaka ukubuya kwentela (ikakhulukazi i-AGI yakho kusukela ngonyaka odlule, isetshenziselwa ukuqinisekisa ukuthi i-e-filifi).
  • I - akhawunti yasebhange nezinombolo zokuthutha imali egciniwe ngokuqondile.

Hlela amadokhumende esibayani esinikezelwe", ama-digit scan angcono kakhulu ngoba ungawahlanganisa kalula ku-software yentela noma i-imeyili kuchwepheshe. I-IRS futhi inikeza Tax Time Guide[[ uhlu lokuhlola.

Isinyathelo Sesibili: Khetha Indlela Yakho Yokudlala

Unezindlela eziningana ongazilungisa futhi ubuye. Ngazinye zinenzuzo nezimbi ngokuphathelene nezindleko, ukunemba, nesikhathi.

Isoftware yentela yolayini

Abakhokhi abaningi basebenzisa izinhlelo ze-software zezentengiselwano (i-TurboTax, i-H&R Block, i-TaxSlayer, njll.). Lezinhlelo zinemibuzo yengxoxo-spect-spect, izibalo ezizisebenzelayo, kanye nokukhipha i-e-e-fil. Abaningi banikeza izinguqulo zamahhala ukuze babuye babuyele kalula (Impondo 1040 ngaphandle kokufaka izinto ezithile). Izinguqulo ze-pid ziphatha ukutshala imali, ukuqasha, ukuqasha, nokusebenza. Izinzuzo zihlanganisa ama-sethi, ama-rendingss (ngokufuthi athatha izinsuku ezingu-21), kanye nokuqinisekisa i-IRS.

Ukhetho lwehele elikhululekile

I-IRS Free File esebenzisana nezinhlelo ze-software ukuze ilungiselele abantu intela mahhala kanye nokukhipha i-eversel ehholo elilungisiwe elingu-R79 000 noma ngaphansi (ku-2024). Ungayifaka ngokuqondile i-IRS Free Free File[. Ngaphezu kwalokho, i-IRS inikeza i-Flablebleturable format (ikhululekile kodwa ayinangxoxo eqondiswayo) kunoma yiliphi izinga leholo.

Zivolontiya Ukusiza Ngentela (VITA)

Uma uhola u-R64 000 noma ngaphansi, ukhubazekile, noma ukhuluma isiNgisi esilinganiselwe, izisebenzi zokuzithandela ze-IRS zingalungisa izintela zakho mahhala ezindaweni ze-ITA. Zingasingatha inzuzo eyisisekelo. Ngokufanayo, i-Theaxis Councing for the Eldern (TCE) inikeza usizo lwamahhala kulabo abaneminyaka engu-60+.

Ukukhulekela Isikhulu Sentela

Umgcini-mali ogunyaziwe (CPA), ummeli obhalisile, noma ummeli wentela utuswa ezimweni ezinzima: ukuqashwa komuntu siqu okunezikweleti eziphawulekayo, izakhiwo zokuqasha, iholo lezwe, intela yomhlaba wonke, noma ukuba nebhizinisi. Ochwepheshe bayazi umthetho wamanje wentela, bangakumelela ekuhloleni intela, futhi ngokuvamile bathole imali engakulahlekela. Ukulindela izindleko ezisekelwe ebunkimbini obulula: ukubuya okunguR350 / 400 [R140], okungaphezulu okuhilelekile ekubuyiseleni intela.

Ukufinyaza iphepha

Ukuthumela iposi lokubuyisela iphepha kusavunyelwe, kodwa ukulungisa kuthatha amasonto angu-6-88 (noma isikhathi eside). Ukubuyisela iphepha kuthambekele kakhulu emaphutha empahleni enziwa ngezandla nasezincwadini ezilahlekile. I-IRS inqabela kakhulu ukugcinwa kwephepha ngaphandle kokuba awunakho okunye ongakhetha ngakho. Uma wenza iphepha-hele, sebenzisa ikheli elilungile lezwe lakho (litholakala kwimiyalo ye-1040).

Isinyathelo 3: Gcwalisa Intela Yakho Ngokunembile

Uma usukhethe indlela ozoyisebenzisa, sekuyisikhathi sokuba uthole ukwaziswa okufakiwe, kodwa ulandele okushiwoyo.

Indlela Eyinhloko Yokuma 1040

Wonke umuntu usebenzisa i-Form 1040 (noma 1040-SR ku-smount. Lokhu kufingqa kuqoqa isimo sakho sokuhlela, iholo, ukulungisa, izikweletu, izikweletu, nokubala intela. Izimiso eziningi zijongisa ku-Form 1040:

  • [[UMTH: 0] Iholo elifakiwe kanye nokulungisa iholo (isib., ukuziqasha, i-athomu, izindleko zothisha).
  • I-checure A: intethelelo encitshiswe (izindleko zezokwelapha, izintela, inzalo, izipho, ukulahlekelwa).
  • [ Inzuzo noma ukulahlekelwa yibhizinisi (abantu abazisebenzela bona).
  • Umvuzo D:[ Inhloko - dolobha izuza futhi ilahlekelwe.
  • Iholo eligcwele inzuzo eqashweni, ebukhosini, ubudlelwano, izinhlangano, ama-S, amafa, kanye nemali ephathisiwe.
  • [[INKQUBO:0] Intela yomsebenzi wasekhaya (kunoma ama-nannin noma abahlanzi).
  • [[Umthetho:0] Intela yokuzisebenzela.

Imbeleko ehlola kabili

Amaphutha abiza imali noma abangela i-IRS. Hlola njalo:

  • Amagama nezinombolo ze - Social Security ziyafana ngokunembile (kuhlanganise namagama angokomthetho asho umngane womshado nabancike kuye).
  • Izinombolo zemali ezikhonjiwe ebhange zilungile, kodwa ezingalungile zingabambezela i-revend yakho noma ziyithumele kumuntu ongamazi.
  • Yonke iholo libikwa (ngisho nencane ekhululekile igegs) ithola amakhophi angu - 1099 namathini anqamulene).
  • Izikweleti nezikweletu kushiwo ngokufanele (isimo, awunakusho ukuthi i - EITC uma unezinhlobo ezithile zemali yokutshala imali edlulayo).
  • I - AGI yakho kusukela ngonyaka odlule (esetshenziswa njengesayinwe ye - electronic) ifakwa ngokunembile.

Izindlela Ezivamile Zezimo Ezikhethekile

  • [[UMTH:0] Form 862 uma usho ukuthi iEITC futhi yayingavumelekile ngonyaka ongaphambili.
  • [[UMTL:0] IForm 6251 ye-Least Thost (AMT) uma iholo lakho liphezulu kakhulu.
  • IForm 5329 yentela eyengeziwe ezihlelweni zomhlalaphansi ezifanelekayo (umz., ukusakaza kwakuqala).

Uma usebenzisa ipheka elikhokhelwayo, kufanele bakunikeze ikhophi yendlela ozobuya ngayo ngokuphelele.

Isinyathelo 4: Bukeza Ngokucophelela Ukubuya Kwakho

Lokhu kungenza amaphutha ukuthi i-software ingaphuthelwa izinhlelo noma ukwaziswa okungacaciwe.

Uhlu lokubukeza

  • [ Isimo sokuphumelela: Ingabe silungile? (Isibonelo: Inhloko yomkhaya ifuna ukuba ukhokhe ngaphezu kwengxenye yezindleko zasekhaya futhi ube nomuntu ofanelekayo ohlala nawe.)
  • Konke okungenayo kubikwe: Qhathanisa ingqikithi yeholo lakho ngango-1099 kanye no-W-2 nezilinganiso ezifakiwe.
  • Izihlokwana ezisesikweni. Izihlokwana ezifakiwe: Sebenzisa izinombolo − ukuthena imali kuphela uma ingqikithi idlula isilinganiso esivamile. Ngo-2024, ukushintshwa okuvamile ngu-R2,200 (isitho) $2,00 (HOH), kanye no-R2 200 (ilungu elihlangene).
  • [[[NTL: 0] Ukukhokha izikweletu okungakholeleki: Hlola imithetho efanelekile. Ngokwesibonelo, i-Cursure defix yeTaxis yabantwana ifuna ukuba ingane ibe ngaphansi kweminyaka engu-17 ekupheleni konyaka futhi ibe ne-SSN esemthethweni.
  • Ama-Math Angeguquguquki: Ngisho noma une-software, qinisekisa ingqikithi yenezelo. Amafayela amaphepha kufanele aphinde abalwe ngesandla noma asebenzise isibalo.
  • Amaphawu nosuku: Amahele kumele anikeze unyaka ka-AGI noma i-PIN Ozenzayo. Ama-plugins kumele asayine (bombili abangane bomshado uma beshadile ngokubambisana).
  • Ujosaka: Uma ufaka iphepha, hlanganisa zonke iziqephu nezinhlobo ezidingekayo (umz. W-2 kopy B). Ama-hele athumela ngokuzenzakalela amaphakethi.

Amaphutha Avamile Efulegeni

  • Izinombolo zeNsirhelelo Yabantu ezingekho noma ezingalungile (ikakhulukazi eziqondene nabancike ekulondekeni).
  • Ukuzisholo ukuthi uncike kumuntu ongakufanelekeli (umsebenzi, ukuhlala, ukusekela).
  • Ukuthola iholo elivela ku - 1099 njengeholo esikhundleni seholo lokuziqasha (intela yokuzisebenzela).
  • Uma uhluleka ukubika intela kahulumeni kusukela ngonyaka odlule uma ufaka izikweleti kuleso sifunda.
  • Ukubala iNkokhelo Yentela Yabantwana ngokungeyikho noma ukungayinaki imikhawulo yokuzimela.

Isinyathelo 5: Ukubuya Kwakho Ngaphambi Kokufa

Unyaka ofinyelelwe wentela kahulumeni ngokuvamile uApril 15 (noma usuku olulandelayo lwebhizinisi uma ufika ngempelasonto noma ngeholide). Ngo-2025 (u-2024 ubuye, u-April 15, 2025. Ezinye izifunda zibuye zibe nosuku olumisiwe lwe-Ephreli 15, 2025. Ezinye zinesikhathi sonyaka ka-Eply 15, kuyilapho ezinye zihlukile (umz., Hawaii, Louisiana). Hlola ingosi yomnyango wemali kahulumeni wakho.

Ukutshisa Ngobuchwepheshe

I-e-filfire iyindlela esheshayo, elondeke kakhulu. I-IRS ihlela i-e-hele enkulu kakhulu ibuya phakathi kwamahora angama-24 nomagazini phakathi nezinsuku ezingu-21 uma ukhetha indawo eqondile. Ungakhomba uhele ophakathi kwe-October uma unesenezelo (bona ngezansi). Izinhlelo eziningi ze-software zentela zikhokha imali ekhokhwayo yezwe nge-e-fil, kodwa isimiso se-Federal sikhululekile nge-File-efile noma i-Foldoldings.

Ukuthumela Iposi Ukubuya Kwakho

Uma uyihele lephepha, sebenzisa ikheli elilungile le-IRS lokuposa lezwe lakho (elitholakale kwimiyalo ye-For 1040). Yithumele ngeposi eligunyaziwe eline-lisithi ebuyayo ukuqinisekisa usuku lokubhala. Usuku lweposi lokubhala lubalelwa njengosuku lwakho lokubhala.

Ukucela Okwandisiwe

Uma ungaqedi ngo-April 15, ungacela ukwandisa okuyisithupha ngenyanga usebenzisa iForm 4868. Lokhu kunweba isikhathi sokuhlela ku-Oktobha 15. Nokho, lokhu kwandiswa kusebenza kuphela ku [[ ukukhipha [, hhayi [[FLT:]] ukukhokha [[[[FLT:]] .] Usafanele ukhokhe noma intela elinganiselwa ukuthi ikweletwa ngo-April 15 ukuze ugweme isijeziso nenzalo. Ukukhokha, ungasebenzisa i-IRSicredi, ikhefu, noma iposi ngokulinganisela. Uma ukhokhe futhi ungakhokhisa, uyokwehluleka ukukhokha isijeziso semali esikwe-25% (25%) yentela).

Ukukhathala Ngemva Kokufa

Uma uphuthelwa isikhathi ngaphandle kokunwetshwa, isijeziso senezelwa. Ukwehluleka kwecala elingu 5% ngenyanga (max 25%). Uma kufanele uhlawulelwe, akukho sijeziso sokuvala ifa lemuva, kodwa ulahlekelwa yi-frest uma ungabhali phansi phakathi neminyaka emithathu yaleso sikhathi sokuqala.

Isinyathelo 6: Gcina Umlando Weminyaka Emithathu Esilo

Ngemva kokubhala, gcina amakhophi ephepha lakho lokubuya nokusekela. I-IRS ngokuvamile ineminyaka emithathu kusukela esikhathini sokubhala (noma iminyaka emibili kusukela emhlani wokukhokha intela, noma iyiphi kamuva) ukuze iphinde iphinde ibuye. Uma ungawabiki imali yakho ngeminyaka engaphezu kwengu-25%, ifasitela linwebeka iminyaka eyisithupha. Ukukhwabanisa kwenza i-IRS ibuyele emuva unomphela.

Okufanele ukugcine:

  • Izindleko zentela eziqediwe (imali nesifundazwe).
  • Zonke W-2, 1099, nezinye izitatimende zeholo.
  • Ama - pageti emali eshisiwe nemali yokuthenga.
  • Izitatimende zasebhange zibonisa izindleko noma izimali ezigciniwe.
  • Izincwadi ne - IRS.
  • Imibhalo yanoma ikuphi ukunwetshwa yagcinwa (Form 4868).

Gcina amakhophi angokoqobo ezinsimini eziphephile noma usebenzise izinguqulo ezifihlwe nge-minuber. Ukuze ulahle, amaphepha okudabula aphephile ngemva komthetho wokulinganisela aphela. Uma unebhizinisi noma indawo yokutshala imali, gcina amarekhodi okuphila kwempahla futhi ngemva kweminyaka emithathu ulahlwa.

Amaphutha Avamile Okumelwe Agwenywe

Ngisho nabathuthi bamafayili abangomakad ’ ebona bayasheshiswa. Nakhu amaphutha avamile nendlela yokuwavimbela:

  • [[Umthetho:0] Ukwephuza Ungenaso isithasiselo: njalo faka ukwandiswa uma ungafinyeleli isikhathi esimisiwe. Isijeziso senkokhelo yamuva siphansi kakhulu kunesijeziso sokuvala ifa lemuva.
  • [ Umbiko oyiphutha we-IRA noma iminikelo ye-HSA: Lemali kumelwe ihambisane nemibhalo yentela yenhlangano yakho. Ukusuka ngokweqile kubangela ukukhokha izintela.
  • [[[NTL:0] Ukukhohlwa ukubika konke okufunyenweyo: I-IRS ithola amakhophi awo wonke o-W-2 no-1099. Iholo elibolewe liholela ekukhokheni isijeziso esiphansi nenzalo.
  • I-Celligable Curbents: iqinisekisa ukuthi ubudlelwane, ubudala, ukuhlala, nokuhlola. I-IRS ihlola kakhulu imibandela encike kakhulu.
  • Amaphutha ama-Math:[ Ikakhulukazi ephephani elibuyayo. Sebenzisa i-e-hele ukususa amaphutha ezibalo.
  • Ukungasayinwa ukubuya kwakho: Ukubuya kwephepha okungasayinwanga kuthathwa njengokungasebenzi. Ama-hele-okumele anikeze isignesha yonyaka we-aGI noma i-PIN).
  • Ukugcwalisa izimali ukuze ulandise ama-akhawunti Angaphandle:[ Uma unama-akhawunti ngokwezimali phesheya kwe R1 000, kungadingeka ubhale i FBAR (IHlalelo le-FCN 114) ngokwehlukana. Imali enganele inzima.
  • Ukusola intela yesifundazwe ukufushaniswa: Izizwe eziningi zidinga ukubuya okuhlukene. Ukwehluleka ukubhalisa ukubuya kwezwe kungaphumela ezijezisweni zezinga lombuso nesithakazelo.

Isiphetho

Ukukhokha izintela ngesikhathi akunakwenziwa uma ufuna ukugwema ukuhlanganisa uhulumeni we-United States nezijeziso zikahulumeni. Ngokuqonda isimo sakho sokufaka, ukuqoqa imibhalo kusenesikhathi, ukukhetha indlela yokulungisa, ukubukeza ngokucophelela ukubuya kwakho, nokuhlangabezana nohlelo olumisiwe (noma ukuhlela ukwandiswa), uguqula umsebenzi ocindezelayo ube umsebenzi olawulekayo waminyaka yonke. Sebenzisa imithombo edwetshwe lapha `IRS Free File, VITA, usizo lobuchwepheshe. Khumbula ukugcina amakhophi ayo yonke into okungenani iminyaka emithathu. Ngokuhlela nokunaka okuhleliwe, ungabhala ubhale futhi wamukele ngokuqiniseka ngangokunokwenzeka ngangokunokwenzeka.