Intela encishisiwe ingenye yamathuluzi anamandla kakhulu akhona okunciphisa intela yakho yaminyaka yonke. Ngokuqonda ukuthi umsebenzi uncishiswa kanjani futhi usebenza kanjani esimweni sakho, unganciphisa iholo lakho elikhokhelwayo futhi ugcine imali eningi. Lesiqondiso esikhulisiwe siphula zonke izinhlobo ezinkulu zentengo, sichaza izindlela eziphumelela kakhulu zokusebenzisa abakhokhi bentela, futhi siqokomisa izihibe ezivamile ukuba uzigweme. Kungakhathaliseki ukuthi ungumqashwa okhululekile, noma umnini-bhizinisi omncane, ukwaziswa lapha kuyokusiza ukuba wenze izinqumo ezihlakaniphile phakathi nonyaka.

Ziyini Intela Ezikhokhwayo Futhi Zisebenza Kanjani?

Intela encishisiwe inciphisa intela yemali oyikhokhayo. Ngokwesibonelo, uma uhola amaR160 000 futhi ukhokhela ama-dollar angu-200,000 ngokuthengiselana, ukhokha intela ku-R250 000 kuphela. Izikweleti azifani nezikweleti zentela, ezinciphisa imali yakho yentela yemali ekhokhwayo. Kunalokho, intengo encishisiwe ixhomeke ekukhokheni kwakho okukwehlisiwe. Imali elinganiselwa ku-R350 000 uma usesikweletini se-2%, kodwa uma usesibhakabanini esingu-R320 kuphela.00.

Izilinganiso zehlela ezigabani ezimbili ezinkulu: ngaphezulu-mgqeni othathwe emalini ethathelwe inzuzo enkulu ukufika eholweni elilungisiweyo (AGI), futhi ngaphansi kwezincopho zomgqebhene [, ezithathwa ngemva kokubala. Ngaphansi-ka-mngcele kuhlukaniswa ngokwesilinganiso esivamile nezindawo ezithengisiwe. Isigaba ngasinye sinemithetho yaso, imikhawulo, namathuba afanelekile.

I-Internal Revolution Service (IRS) inikeza isiqondiso esiphelele mayelana nezikweli eziku I-Publication 17[, kodwa ukuqonda isithombe esikhulu kwenza imininingwane iqale ibe lula ukusebenzisa.

Isiko leDeduction vs.

Izisekelo Ezivamile

Intengo eyisibalo ejwayelekile ilingana nemali eyisicaba ebekwe yi-IRS ongasusa kuyo ngaphandle kokulandela izindleko ezithile. Ishintshwa minyaka yonke ukuze ikwenyuka kwamandla emali. Ngonyaka ka-2024, izilinganiso ezivamile zentela yile:

  • [[Umthetho:0] u-okanye: $1600,000 [R160]
  • Ihlangene ngokuhlangene:[[[FLT] R2,200]
  • Ukuvuthwa komkhaya:[ UR2,900
  • Ukuhamba ngokuhlukene: UR10,600]

Intela eningi isebenzisa intengo evamile ngoba ilula futhi ngemva koMthetho weTcops neJobs (TCJA) cishe ngokuphindwe kabili izindleko ngo - 2018, abantu abaningi bathola ukuthi izindleko zabo ezikhokhelwayo azikho ezilinganayo. Ukuthengwa okuvamile kuhlanganisa nenani elengeziwe labakhokhi bentela abaneminyaka engu - 65 noma ngaphezulu noma abayizimpumputhe.

Isikhathi Sokuzibamba

Ukusebenzisa izindleko kunengqondo kuphela uma ingqikithi yezindleko zakho idlula intethelelo edingekayo yezinga lokuhlela ifa lakho.

  • Izindleko zomshuwalense nono-meno: Ungasusa izindleko ezidlula 7.5% ye-AGI yakho. Lokhu kuhlanganisa izindleko zempilo (uma zingakhokhwa ngemali ephambili yentela), ukuhanjelwa kudokotela, amathekisi, kanye nezinkonzo zokunakekela isikhathi eside.
  • Isiko nentela yendawo (SALT): Ungakhipha izintela zemali eholwayo noma izintela zikahulumeni zokuthengisa, kanye nentela yempahla, kulingana nesilinganiso esihlangene samaRandi angu-59,000 (R150 000 uma ishadile ingekho ngokwehlukana).
  • Inzalo yemali: Isithakazelo sokuthola isikweleti sendlu eyinhloko noma engaphansi sihlehla. Amaphuzu akhokhelwa isikweletu angahlenga.
  • Iminikelo ekhethekile: Iminikelo yemali ezinhlanganweni ezifanelekayo ilinganiselwa ku 60% ye-AGI yakho, enemithetho ekhethekile yezinto ezingezona ezecashi kanye nempahla eyaziswayo.
  • Ukulahlekelwa nokweba: Ukulahlekelwa kuphela yizinhlekelele ezimenyezelwe nguhulumeni okwamanje azisekho.

Ezinye izindleko ezitholakalayo zihlanganisa ukulahlekelwa ukugembula (ukuwina), izindleko zezisebenzi ezingakhokhelwanga (okuthengwa izisebenzi eziningi phakathi no - 2025), nezindleko ezithile zemali.

Ukwenza Ukukhetha

Awukwazi ukuthatha kokubili izincopho ezivamile nezincane ezihlawulisiwe ngonyaka ofanayo wentela. Nokho, ukhululekile ukufaka ngonyaka owodwa futhi uthathe izincopho ezivamile kwenye. Lokhu kuvumela umnyango ukuba usebenzise icebo elibizwa ngokuthi [, elixoxwa kamuva. Uma ushadile uhlukanisiwe, bobabili abafazi kumelwe basebenzise indlela efanayo (kunoma yikuphi okuvamile noma kokubili okuthathiwe).

Amagebe angaphezulu-asemithambekeni: Usizo Lokucutha I-AGI

Izithena ezingaphezulu komgxa we-IRA ziyigugu kakhulu ngoba zinciphisa i-AGI yakho ngokuqondile. I-AGI ephansi ingandisa ukufaneleka kwakho kwezinye izinzuzo zentela, njenge-Child Treasurer, i-Inified Task Commore, kanye nezithena zeminikelo ye-IRA. Eziningi ezingaphezulu ko--ohsethiwensi ye-AGI zikhona ngisho noma ungafaki imali.

Izinsalela ezivame ukuhlawuliswa ngenhla komgca zihlanganisa:

  • [ Izindleko zokufundisa:[ Othisha kanye nabanye ochwepheshe basesikoleni bangasusa izimpahla zekilasi ezingakhokhwa zingafinyelela ku-R3 500 ezingangenisisiwe (R160 uma bobabili abangane bomshado bengabafundisi). Lemali ishintshelwe ekuncipheni kwamandla emali.
  • Inzalo yokuboleka imali yabafundi:[ Inzalo ekhokhwa ngemali yomfundi efanelekayo ingasuswa, iholele ekutholeni iholo.
  • Iminikelo ye-IRA yendabuko: Uma ungahlanganisiwe ngesu lomsebenzi, noma uma iholo lakho lingaphansi kwesilinganiso esithile, iminikelo ye-IRA engokwesiko inganyuswa ifinyelele ku-R2,000 (R2,000 uma uneminyaka engu-50 noma ngaphezulu).
  • Iminikelo ye-Health Savings akhawunti (HSA): Iminikelo yeHSA incishiswa ifinyelela ku-R2,50 ukuze ifinyelelwe umuntu ngamunye kanye no-R2,00 ukuhlanganisa umkhaya ngo-2024, kanye nokubamba i-R1 000 kwalabo aba-5+.
  • Intela yokuzisebenzela: Ingxenye yentela yokuzisebenzela oyikhokhayo ingehle ngaphezu kwelayini.
  • Umshuwalense wempilo osebenzayo: weyakho, oshade naye, nabancike kuwe bayakwazi ukulahlekelwa ngaphandle kokubhala.
  • Izindleko zokusuka: Amalungu ezempi akhuthele kuphela angasusa izindleko; kwezinye, lentethelelo incishisiwe.
  • Alimony yakhokhelwa: Ngezesehlukaniso eziphethwe ngaphambi konyaka ka-2019, izindleko ze-athomoni azikholeki kumkhokheli.

Ngokukhuphula izikweletu ezingaphezulu komngcele, unganciphisa i - AGI yakho futhi ufanelekele izikweletu nezikweletu ezincishiswe ngokwenye indlela ezibekwa emazingeni aphakeme emali othola ngayo.

Izihlongozo Zebhizinisi Zokuziphilisa Nezokuba Abanikazi Bebhizinisi Abancane

Uma uzisebenzela noma usebenza ibhizinisi elincane, uchungechunge lwezindleko ezingakholeki lubanzi. Izikweleti zebhizinisi zithengwa C (kuyikhomba-mdlali) noma emalini yentela efanelekile yebhizinisi. Lokhu kunciphisa iholo lebhizinisi lakho futhi, ngenxa yalokho, intela yakho yokuzisebenzela kanye nentela yeholo.

Imali ehlawulisiwe yebhizinisi elibalulekile zihlanganisa:

  • Izikweleti zehhovisi lasekhaya: Uma usebenzisa ingxenye yekhaya lakho kuphela futhi njalo ebhizinisini, ungasusa ingxenye yentela, izinto ezisebenzayo, umshuwalense, kanye nokulungisa. Indlela eyenziwe lula ivumela u-R3 kusuka ku-36 ku-skwele ngamamitha-350.
  • Izindleko zeVehicle: Ungakhetha phakathi kwesilinganiso esivamile semayile (amasenti angu-6 ngekhilomitha ngo-2024) noma izindleko zangempela (igesi, ukulungisa, umshuwalense, ukwehla kwemali). Gcina umboniso wemayela.
  • [[UMTL:0] Imishini kanye nemishini: izinto ezivamile nezidingekayo azikho. Ukuthenga okusemqoka kungashintshwa ngokugcwele ngaphansi kwengxenye 179 noma kuncishiswe ngokuhamba kwesikhathi.
  • Ukuhamba ngezentengiselwano nokudla: Ukuhamba kude nasekhaya ukuze kuqhutshwe ibhizinisi kuphelele. Ukudla namakhasimende ngokuvamile kungu 50% ongakwazi ukubhajwa.
  • Ukudayisa nokuthengisa: intengo yezikhangiso ze-inthanethi, izinto zokunyathelisa, ingosi yokuthumela, nezenzakalo zokuthuthukisa zingasetshenziswa.
  • Izinkonzo zomsebenzi:[ Izinkonzo zabameli, ababali-zincwadi, abameli, nabanye ochwepheshe abakhohliswa.
  • Inzuzo yezemali: yezentengiselwano zebhizinisi, impahla, kanye nezempilo yezisebenzi zikhohliswa.
  • Intethelekiso ye-Busi ye-QBE encibilikisiwe: Lena ithesi elingaphansi komngcele ovumela ukuba abanikazi bebhizinisi abafanele badlule nge-QBI bakhiphe amaphesenti afinyelela ku-20. Inemithetho eyinkimbinkimbi ephakathi nemingcele yezebhizinisi.

Ukugcina irekhodi ngokunembile kubalulekile kuzo zonke izikweleti zebhizinisi. I-IRS idinga izindleko ezingaphezu kuka-R150 futhi kuzo zonke izindleko zokuhamba nezipho. Amathuluzi e-tegic afana ne-Quick Books noma i-spread elula ingakusiza ukuba ulandele izindleko unyaka wonke.

Iminikelo Yokunakekela Abaswele: Imithetho Nommemezelo

Ukunikela kuncedo lwabaphayo akuxhasi nje kuphela ukuthi kukwenza ukhathalele kodwa futhi kunikeza intela encishisiwe uma ufaka imali. Ukuze ufaneleke, lowo owamukelayo kumelwe abe inhlangano efanelekayo engu-501(c)(3). Iminikelo kubantu ngabanye, imikhankaso yezombangazwe, noma izinhlangano zangaphandle ngokuvamile ayifaneleki.

Imithetho eyisisekelo yokuncishiswa kwezikweli zezihlobo ezisiza abaswele:

  • Iminikelo ye-Cash: Kumelwe ube nerekhodi lebhange noma ukuvuma okubhaliwe kuleyo minikelo yokusiza nganoma yimuphi umnikelo kaR250 noma ngaphezulu. Ngenani elincane, itsheke elilahliwe, isitatimende sekhadi lokuthenga ngesikweletu, noma isici esincane semali sesaphuzile kwanele.
  • Iminikelo ye-Non-cash: Impahla yezingubo, ifenisha, nezimoto kumelwe zibe sesimweni esihle. Iminikelo ebiza ngaphezu kuka-R1,000, kumelwe ubhalise i-Form 8283.
  • Imingcele yokukhipha izimali: Iminikelo yemali ezinhlanganweni zomphakathi ilinganiselwe ku 60% we-AGI yakho, eneminyaka emihlanu ithwalwa ukweqiswa. Iminikelo yempahla eyaziswayo egcinwe isikhathi esingaphezu konyaka ilinganiselwe ku-30% ye-AGI kodwa ukugwema ukuzuza intela yenkokhelo.
  • [[[Inkokhelo:0] Izindleko zevolunteer: Izindleko ze-pacet ezikhishwe ngenkathi kusenziwa ukuzithandela (umnikelo, ukudla) kuncishiwe, kodwa inani lesikhathi sakho alikho.

Kusukela ngo-2023, imvume yesikhashana yokukhokha imali enganele ku-R250 (R1,50) kuphelile. Manje, yilabo kuphela abafaka imali abangasusa iminikelo yokupha. Nokho, abanye abanikelayo basebenzisa amasu ahlanganisayo ukuze bandise inzuzo.

Ukuze uthole isiqondiso esengeziwe, bheka IRS Iminikelo [.

Amasu Okwandisa Intela Yakho

Izithunzi Ezintekenteke

Uma izindleko zakho ezisebenzisekayo zingaphansi kakhulu kwenani elivamile lemali eshicilelwe, cabangela ukukhokha [[FT:1]: gxilisa izindleko ezikhokhelwayo eminyakeni emibili noma ngaphezulu onyakeni owodwa. Ngokwesibonelo, ungakhokha intela yempahla kusengaphambili, wenze iminikelo emikhulu yokusiza abasweleyo, noma ukuhlela izinqubo zezokwelapha ngonyaka ofanayo. Enyakani olandelayo, ufaka intengo evamile. Ngonyaka olandelayo, ungathatha intengo engcono kakhulu kuneminyaka emibili, uma uthatha intengo ejwayelekile yonyaka ngamunye.

Amasu Athatha Isikhathi

Izindleko ezisheshayo noma ezingalawulekiyo kuye ngesimo seholo lakho. Uma ulindele iholo eliphakeme ngonyaka ozayo, cabangela ukuphoqelela izindleko ezilahlekileyo ngonyaka ozayo ukulinganisela izinga lentela ephakeme. Ngakolunye uhlangothi, uma iholo lakho liphakeme ngokungavamile kulonyaka, nciphisa izikweleti ukuze unciphise umthwalo wentela. Lokhu kusebenza kahle ngokuthengwa kwentela, izipho zokusiza, kanye nezinqubo zokwelapha.

Iminikelo Yomhlalaphansi

Inezela ekwakheni i-IRA engokwesiko, i-SEP IRA, i-solo 401(k), noma elinye icebo lomhlalaphansi linciphisa iholo lakho elikhokhelwayo. Ngo-2024, inani elikhulu lezisebenzi lingu-401 (k) linguR2 000 (R1,50,500) uma uneminyaka engu-50+. Abantu abasebenza bona ngokwabo banganikela ngemali engama-25% ehhalayo e-SEP IRA, igawulwe ngo-R3000. Leminikelo iyakhokhwazwa futhi ikhuphule intela.

Ukugcinwa Kwempilo

I-HS inikeza intela engcono kathathu: iminikelo ayinakho ukukhokha intela, futhi ukuhoxa kwezindleko zezokwelapha ezifanelekayo nakho akukho ntela. Ngo-2024, unganikela ngama-irandi angu-4,150 ukuze ukhokhele noma ama-dollar angu-20,300 ukuze ukhokhele umkhaya. Uma umqashi wakho enikeza icebo lezempilo elingcono kakhulu (HDHP), ukukhipha i-HSA yakho ngenye yezindlela ezingcono kakhulu ezikhona.

Ukusebenzisa Amalungu Omkhaya

Uma unebhizinisi, ungaqasha oshade naye noma abantwana. AmaWage akhokhelwayo ayizindleko zebhizinisi ezingakhokhelwa. Izingane ezineminyaka engaphansi kwengu-18 azikho ngaphansi kwentela ye-Social Security ne-Medicare uma ibhizinisi liyikhokha kuphela lapho bobabili abazali bebodwa. Lokhu kuhlukanisa inzuzo yebhayisekili eliphezulu nelephansi, futhi ingane ingakhokha iRoth IRA.

Amaphutha Avamile Okumelwe Agwenywe

Ngisho nentela ekhokhelwayo ekhokhelwayo ekhokhwayo ingawenza amaphutha anciphisa izindleko noma intela yokuhlola.

  • Ukuphumelela ukulandelela izindleko unyaka wonke. Ukulinda kuze kube u-April ukuqoqa ama-risiti ngokuvamile kuholela ekulahlekelweni izincopho. Sebenzisa i-app noma isibaya esinikezelwe.
  • Ukuhlela iziqongo ezivamile uma ufaka umninizo kungaveza ngaphezulu. Njalo kubala kokubili ukubona ukuthi yikuphi okuphezulu.
  • Ukubuka izikweleti ezingaphezulu komngcele. Abantu abaningi bayakhohlwa izindleko zothisha, inzalo yomfundi, noma iminikelo yeHSA.
  • [[QULT: 0] Ukuvumelana nezinhlangano ezingaqeqeshiwe. Qinisekisa isimo senhlangano yokusiza abasweleyo (501(c)(3) usebenzisa i IMPULATHI] I-ATCT Nhlangano ekhucululwayo[.
  • Ukungaqondi kuthwele imithetho. Iminikelo engaphezulu kakhulu yokusiza abasweleyo, ukulahlekelwa izindleko zokufa, nenzalo yokutshala imali kungathwalwa ngeminyaka ezayo.
  • [ Ukuhlela izindleko zomuntu siqu nezebhizinisi. Lokhu kuvame kakhulu phakathi kwabahlwili abakhululekile. Gcina ama-akhawunti ebhange ahlukene namakhadi okuthenga ngesikweletu ebhizinisi lakho.
  • [ Ukuzivumelanisa nokushintsha kokuphila okukhulu. Umshado, isehlukaniso, abantwana, noma ikhaya elisha kuthinta indlela yakho yokuthola inzuzo kanye nokugodla kwakho.
  • [[I-FLT:0] Isebenzisa i-software yentela kuphela ngaphandle kokubukeza. i-software ingaphuthelwa izincopho ezicaciwe noma ihluleke uku-akhawunti yemithetho eqondene nombuso. Bukeza umugqa wakho wokubuya ngelayini.

Ukuhlala Kuvuselelwe: Umthetho Wamuva Wentela Uyashintsha

Umthetho wentela awumi ndawonye. I-TCJA (2017) yenza izinguquko eziningi ezizophela ngemva kuka-2025 ngaphandle kokuba uMkhandlu uzidlulise. Amalungiselelo ayinhloko okuqapha ahlanganisa:

  • Izinga elingafanele lokushintshwa: Lizobuyela ehlaleni, elungiselwe ukunyuka kwamandla emali ngo-2026 uma lingavuselelwa.
  • [[IKYT:0] Isephu: Isilinganiso sika-R1 000 kuhulumeni naku-intela yendawo kuhlelwe ukuba kuphele ngemva kuka-2025.
  • Ukukhululeka komuntu siqu: Kuhleziwe ngo 2025; kungabuya ngo-2026.
  • [ Ibhizinisi elingenisiweyo lithola izikweli: lihlela ukuphuma ngemva kuka-2025.
  • Izindawo ezithenelwe abangesi-insikhi: Akwandisiwe ngalé kuka-2022, kodwa kungabuya.

Hlala waziswe ngokuhlola Intela yentela kwiphepha lokuguqula noma uthintane nochwepheshe wentela. Ushintsho lokukhucululwa kwentela lushintsha futhi inani elishisiwe ngonyaka, ngakho hlola izibalo zamuva zonyaka ngaphambi kokuba ubhalise.

Isiphetho

Izikweleti zentela aziwona nje amaphutha onyaka; ziyithuba lokuhlela unyaka wonke. Ngokuqonda umehluko phakathi kwenani elivamile nelezinto ezifakiwe, ukuthatha ipesenti elingaphezulu komngcele, ukulandelela izindleko zebhizinisi ngokunembile, nokuhlela izindleko zakho ezithengwayo ngokusemthethweni, ungawanciphisa ngokuphawulekayo amaphutha akho entela. Okubaluleke ngokufanayo ukugwema amaphutha avamile nokuhlala unezinguquko zomthetho wentela. Uma ulungiselela ukubuya kwakho siqu noma umsebenzi ngochwepheshe, ulwazi ozozuza kulo mqondisi luzokubeka esimweni esiqinile sokwandisa zonke izikwehlisela.