Ukuqonda izikweleti zentela nezikweleti kubalulekile kunoma ubani ofuna ukunciphisa intela yakhe yonke ngesikhathi esisodwa kuyilapho esekela ukuthatha izinyathelo zomphakathi nomphakathi. Lamathuluzi emali aklanyelwe ukukhuthaza ukuziphatha okukhethekile − njengokuphana ngesisa, ukutshala imali, nokuthuthukisa amandla okusebenza kahle kwemfundo . Okusiza kokubili abantu nomphakathi. Nokho, abakhokhi abaningi bashiya imali etafuleni ngenxa nje yokuthi abaqondi ngokugcwele ukuthi izikwelezelo nezikweleti zinjani noma umsebenzi wokukhokha. Le mishini ekhudlwanayo ihamba ilandela yonke incazelo, kusukela ekuhlukani okuyisisekelo phakathi kwemitafuyo nemali ekhona ukuze kulungiswe amasuntlawulo akho okuhlenga. Kungakhathaliseki ukuthi ungumuntu wokuqala okhokhe intela noma owetadiliziwe, lezi zimboni ezingashintsha indlela owena ngayo iminikelo yakho yaminyaka yonke.

Ukuqonda amaDedies kuphikisana. Ukuthembeka: Ukungafani kweCore

Ngaphambi kokuba ungene emalungiselelweni akhethekile, kubalulekile ukuqonda umehluko phakathi kwentela encishisiwe nentela. Nakuba kokubili kunciphisa intela oyikweletayo, lokhu kukwenza ngezindlela ezihlukahlukene, futhi lokho kuthinta inani eliqondile.

Indlela Izikhungo Ezisebenza Ngayo

Intethelelo inciphisa intela oyikhokhayo. Imali yakho yentela ibalwa njengengxenye yemali yakho ekhokhwayo, ngakho incishisiwe ukuze ikwehlise intela oyikweletayo. Inzuzo yangempela yentengo ilingana nenani lentela eyandisiwe ngesilinganiso sentela yakho esele kancane. Ngokwesibonelo, uma usesikweletini sentela engu 22% futhi ukhokhe imali engu-R3, wonga uR3,50 ezintela. Izinga eliphezulu, intengo yemali engaphezulu, isilinganiso esingaphezulu semali ehlawuzayo iba yiyo. Izindleko zilinganiswa noma zifakwe emalini encishisiwe ebhakelweni ejwayelekile, okuyinani elimisiwe le-IRS unyaka ngamunye.

Indlela Okusebenza Ngayo Ukuthenga Ngezimali

Isikweleti sentela sinikeza ihhotela lemali encishisiwe yentela yakho. Uma ukweleta amadola angu-R2 000 entela futhi ufanelekela imali ewuhhala engu-R1 500, imali yakho yehla ibe ngu-R1 500. Izikweleti ngokuvamile zinamandla kakhulu kunentengo ngenxa yokunciphisa intela yakho ngokuqondile, kungakhathaliseki ukuthi isilinganiso esikweletwayo esikweletwayo singakanani. Ezinye izikweleti zingu ezingakhokhwakhwa [, okusho ukuthi uma imali ikweleti ingaphezu kwemali yakho yentela, uthola umehluko njengemali ehhhhoxisiwe. Izikweleti ezingakhokhwazwayo ezinganciphiwe zinganciphisa intela yakho ibe yizero; noma isiphi eseqisiwe ilahlekile.

Okwenza Ukwehluka Kube Yizinto Ezibalulekile Ngeminikelo Yesiphakamiso

Izikweleti eziningi nezikweleti ziklanyelwe ukukhokhela ukubopha izakhamuzi − njengokunikela ekunikezeleni intela enikeza usizo, ukufaka izinto ezingasebenzi kahle kagesi, noma ukuphishekela imfundo ephakeme. Ukuqonda uhlobo oluni lwenzuzo olufunayo kukusiza ukuba ubikezele imali yakho futhi uhlele iminikelo engcono. Ngokwesibonelo, ikweleta okungakhokhwa njenge-Inhoot Recoge Teach Credit ingabuyisela imali ekhukhwini lakho ngisho noma ungenantela, ukuyenza ibe yisisusa esinamandla sezisebenzi ezingenisa imali ephansi nelinganiselwe.

Iziphakamiso Zentela Ezivamile Ezinciphisa Imali Ekhokhwayo

Izingxube ziwukwehla kwentela okusetshenziswa kakhulu. Unyaka ngamunye kumelwe ukhethe phakathi kokuthatha isilinganiso esivamile sentela noma ukuthengwa. Isinqumo sixhomeke ekutheni izindleko zakho ezifanele zidlula ingqikithi yemali encishisiwe yesilinganiso esivamile senani lakho lokuhlela. Ukuqonda ukuthi iziphi izikweleti ezikhona qha kanye nokuthi ungafaneleka kanjani ukuze unciphise imali ekhokhelwayo.

Isiko leDeduction vs.

Ngonyaka ka-2023 wentela, intengo evamile ingu-R22,850 kuma-facer awodwa, ama-dollar angu-207,700 emibhangqwana eshadile eqoqana ndawonye, kanye nama-R20 800 ekhanda endlu. Abakhokhi bentela abaningi bathola ukuthi intengo evamile inkulu kunengqikithi yezikweleti ezithenjisiwe, yenza kube lula. Nokho, uma unekhaya, unezindleko ezinkulu zezokwelapha, noma wenza iminikelo emikhulu yokusiza abashadile, ingaveza inzuzo enkulu yentela. Awunakusho ukuthi womabili qhatha u - qhabo.

Ukukhishwa Kokudla Okuyisimiso: Isithakazelo Semali

Abanikazi bezindlu abafaka imali ekhokha inzalo ekhokhweni lendlu esetshenziselwa ukuthenga, ukwakha, noma ukuthuthukisa indawo yokuhlala eyinhloko noma engaphezulu. Ukuthengwa kwemali kulinganiselwe emalini elingana nemali elingana neR350 000 ebolekisini lokuthenga imali eshadwe ngokweyo. Kubakhokhi bentela abathenga amakhaya ngaphambi kukaDecember 16, 2017, isilinganiso singaba nguR3,000 000. Lemali ingaba intengantengo eqophelweni ephezulu yemali futhi ikhuthaze ukuba abani bekhaya, ngokuvamile ebhekwa njengemali yomphakathi wendawo.

Ukukhishwa Kwentela Okuhlangene: UHulumeni Nentela Yendawo (SALT)

Ungasusa izintela zeholo nentela yendawo (kodwa hhayi zombili), kanye nentela yempahla, kulingana nesilinganiso esihlangene seR150 (R350 000 uma ishaye isheya elishadile). Izinzuzo ze-SALT ezikhokhelwayo ezisezindaweni eziphezulu, nakuba isephu lokukhokha inciphisa ithonya layo uma kuqhathaniswa neminyaka edlule.

Ukukhipha Iminikelo Enikelwe Kuyi - Accounting Office

Iminikelo elungiselelwe izinhlangano ezifanelekayo ezingu-501(c)(3) ayikho nokwenzeka uma ufaka imali. Lokhu kuhlanganisa imali, impahla, ngisho nemayela e-mayela aqhutshelwa izinjongo zokusiza abaswele. Ngo-2023, ungakhipha amaphesenti angu-60 emali yakho engcono ngeminikelo yemali enikelwa ngokuqoqa iminikelo yomphakathi. Iminikelo engefani-cash, enjengezingubo zokugqoka noma impahla yasekhaya, kumelwe ibe sesimweni esihle noma ingcono. Amaxwebhu afanele 18: amarishidi noma abhaliwe eminikelo engaphezu kuka-R2,00 //is. UTim umnikelo wakho ohleliwe ngokwenzuzo, njengeminikelo eqoqelwa intela ngonyaka owodwa, ungakusiza ukuba udlulise inzuzo eselelweni evamile.

Ukukhishwa Kwemithi Esetshenziswayo: Izindleko Zezokwelapha Nezezinzwa

Izindleko zezokwelapha ezingakholeki ezidlula ku 7,5% yemali yakho engcono kakhulu azinakusetshenziswa. Izindleko ezisheshayo zihlanganisa ukuvakashela udokotela, imithi kadokotela, ukuhlala esibhedlela, ukwelashwa ngamazinyo, ngisho nezindleko ezithile zesikhathi eside zokunakekelwa komshuwalense. Kubantu abathathe umhlalaphansi noma imikhaya enezimo zempilo ezingamahlalakhona, lokhu kuncishiswa kungasho lutho.

Amagebe phezulu- kwemigqa

Ezinye izikweleti zikhona ngisho noma ungafaki imali. Lezi zikweleti “phezulu-kwehla” zinciphisa iholo lakho elilungisiweyo ngokuqondile. Izibonelo zihlanganisa iminikelo kuma-IRA angokwesiko, inzalo yomfundi (u-R2,500), iminikelo yemali egciniwe yempilo, kanye nezindleko zothisha (u-$300). Lokhu kubaluleke kakhulu ngoba kunciphisa i-AGI yakho, okungathinta futhi ukukhokha ezinye izikweletu nezikweletu.

Izikweletu Ezivamile Zentela Ezibuyisela Imali Emahlombe

Izikweletu zentela zivame ukuthinteka kakhulu kunentela ngoba zinciphisa intela eziyikweleta ngokuqondile.

Imali Yentela Ekhokhelwayo (EITC)

I-EITC iyisikweleti esikhokhelwayo ngezisebenzi ezihhadlayo ezithola imali ephansi. Ngo-2023, isikweleti esikhulu yimali engu $7,430 emikhayeni enezingane ezintathu noma ngaphezulu ezifanelekelayo. Ngisho nezisebenzi ezingenazo izingane zingafanelekela ukuthenga imali encane yokuthenga ngezimali (R6 600). Izinga lokuthenga ngesikweleti lapho imali inyuka. Ngenxa yokuthi i-EITC ingaba incitshisiwe ngisho noma ungenayo intela, iyenze ibe elinye lamathuluzi anamandla kakhulu okulwa nentela. Ukuthi, kumelwe ubhale phansi intela, ngisho noma iholo yakho iphansi komnyango. I-IS inikeza ithuluzi le-ETCC provial provial provial provial provial.

Ukukhokha Intela Yezingane (CTC)

Ngo-2023, i-CTC ibiza u-R2 000 kumntwana ngamunye oneminyaka engaphansi kwengu-17. Imali elingana nengu-R2,000 ikhona (i-CTC i-Adred Taxis). Ukuthenga ngezimali kuqala ukuncishiswa kubantu ababodwa abanokuhlelwa kwemali eshintshwe inzuzo engaphezulu kuka-R2,50 000 ku-R2,50 000 abashadile). I-CTC inikeza ukusekela okuqondile kwezezimali emikhayeni futhi iyisithako sentela ehloselwe ukunciphisa ubumpofu bezingane.

Ukudunyiswa Kwemfundo

Izikweleti ezimbili eziyinhloko zisiza ekunciphiseni izindleko zemfundo ephakeme: American Opportunity Tax Creast (AOTC) ne - Lifetime Learning Credit (LC).

  • Inkokhelo ye-Opportunity Troughts yase-America: Inzuzo engu $2,500 kumfundi ofanelekayo eminyakeni yokuqala emine yemfundo yesekondari. Izindleko ezingaphezulu kuka-40% zemali yokuthenga i-Offration Preset zihlanganisa izindleko, izindleko, izindleko, nezincwadi zezifundo. Izinga lokuthenga ngesikweleti kubaqondisi ababoshelwa amafayela ababoshelwe abangaphezulu kuka-AGI (R360 000).
  • [[FLT: 0] Imali Yokufunda Ngeminyaka Ikhona: Inikeza inzuzo yentela elingana nemali ekhokhelwe kanye nemali ekhokhelwayo yezifundo ezingaphansi kwe-actidate, ukuphothula, noma ikhokhisi ekhokhelwayo. Ayinciphisiwe futhi ayinamkhawulo enayo enayo ngeminyaka ongayisho. Umngcele wesigaba-ngaphandle uphansi kune AOTC . $59,000 ku-R39 000 kumafayile awodwa ngo-2023.

Zombili izikweleti azinakuboshelwa kumfundi oyedwa ngonyaka wentela efanayo, kodwa ungashintshana phakathi kwazo. Ukuze uthole imininingwane eyengeziwe, bheka IWARS Imfundo Inyuswa ikhasi[.

Amalungelo Amandla

Abanikazi bezindlu abathuthukisa amandla angasebenzi bangafuna i-Energy Efficentient Home Reconsurence Cervery (ibiza izindleko ezifinyelela ku-30% zenguquko efana nokushintsha igesi, amafasitela, iminyango, namaphampu okushisa) kunyaka ka-2032. Kukhona amakhepisi angaphezulu ka-R1,200 engcono kakhulu, nesilinganiso esiphezulu sokushisisa intela (R2 000). Ngaphezu kwalokho, iResientien Enerner Ecnec Icrective Crective Icroit ihlanganisa i-30% yenani lamapulangwe, i-atrurbines, i-injini yokushisa, amapayipile okushiza, kanye nebhethrisholo okungenamali. Lokhu kunciphisa isikwele sakho lapho kucutha i-carbonprint.

Ezinye Izindawo Eziphawulekayo

  • Imali yokuthenga nokukhokha: Isiza ekukhokheleni izindleko zokunakekela umntwana oneminyaka engaphansi kwengu-13 noma umuntu omdala oncike kuye ukuze usebenze noma ufune umsebenzi. Ngo-2023, ikweleti ifinyelela ku-R160 kumuntu ofanelekayo noma u-R2 200 ngo-2,000 noma ngaphezulu.
  • [[I-PRT:0] Imali yeTaxima: Ikhona kubantu nasemikhayeni ethenga umshuwalense wempilo nge-Heal Health Inshuwarence Mector. Imali ithengwa phambili futhi isekelwe emalini eholweni ehlobene nobumpofu obuphakathi kukahulumeni.
  • Imali yomgcini-cala: ikhuthaza izisebenzi ezihlawulwayo eziphansi nezilinganiselwe ukuba zinikele kuma-akhawunti omhlalaphansi. Isikweleti silingana ne 10% kuya ku-50% yeminikelo engafinyelela ku-$2,000 (R1,000 kumafayela ahlangene).

Izindlela Eziwusizo Zokunciphisa Iziqu Nezikweletu

Ukwazi ukuthi iziphi izikweletu nezikweletu ezikhona kuyingxenye yempi. Ukuze uthuthukise iminikelo yakho futhi unciphise intela, kudingeka usebenzise isu langamabomu elivumelana nesimo sakho sezimali.

Khetha Isimo Esifanele Sokuzihambela

Izimo zakho zokufaka isheya ungashadi [1], ushadile, ufaka isheya elihlukene, uhamba ngekhanda lendlu, noma ufanelekela umfelokazi (eer) − unciphisa imali yakho ejwayelekile, izikweleti, futhi ufanelekela izikweleti eziningi. Imibhangqwana eshadile ivame ukuzuza ngokuhlela ndawonye, kodwa kwezinye izimo ukuhleleka kungalondoloza ukulingana kwemali ethile yokuboleka noma ukunciphisa isigaba esithile. Inhloko yekhaya inikeza isilinganiso esikhulu nebhulohothi lentela, ngakho uma ufanelekela, yisebenzise.

Izithunzi Zokwedlula Isilinganiso Esivamile

Uma izikweleti zakho ezikwazi ukushintshwa zingaphansi nje kwenani elivamile, cabangela “ukukhokha.” Ngokwesibonelo, ungaphinda kabili intela yempahla yeminikelo yokusiza abaswele njalo ngonyaka, noma ukukhokha ngaphambi konyaka ozayo (kuyi-SALT cap). Ngokugxilisa izincopho eminyakeni ehlukile yentela, ungafaka imali encishisiwe futhi uthengise imali esele kwabanye, ukwandisa imali egciniwe ewunyaka emibili. Lendlela isebenza kahle kubaninimjikelezo nakuzo izinikezi.

Iminikelo Yomhlalaphansi

Inezela emalini engokwesiko ye-IRA noma 401(k) inciphisa imali oyikhokhelayo ye-dollar-odolar (isilinganiso esingu-ayikhokhiwe). Ngo-2023, unganikela ngo-R6,500 (R7 500 (R7,50 noma ngaphezulu) kwi-IRA (R2,500) futhi unyuse u-R2,500 (R1,50) ku- 401(k). Lokhu akukwehliseli imali yakho yentela yamanje kuphela, kodwa futhi kwakha nomhlalaphansi. Uma ulindele ukuba kwibhulosha eliphansi lentela uma uthatha umhlalaphansi, ukukwehlawulwa kwemali engaphambili kubaluleke kakhulu.

Imfundo Ephakeme Idunyiswa Ngaphambi Kokufa

Uma ungumfundi noma uncike ekholiji, izibalo zinikeza inzuzo enkulu ukuthenga ngemfundo. I-AOTC ivame ukupha kakhulu eminyakeni emine yokuqala ngenxa yengxenye yayo egciniwe nenani elikhudlwana lokuthenga ngesikweletu. I-LLC ingcono ezifundweni zabafundi abathweswa iziqu noma ukubhalisa ingxenye yesikhathi esithile. Awukwazi ukubiza bobabili ngomfundi oyedwa, kodwa ungabiza i-AOTC ngomntwana oyedwa ne-LLC ngenye. Ungayishalaleli i-Tuio no-Feus (okungase kutholakale eminyakeni ethile) kodwa uphawule ukuthi akwandiswanga ngo-2023; hlola umthetho wamanje.

Zisebenzisele Izikweletu Ezimnandi

If your income is low enough that you owe little or no tax, prioritize refundable credits like the EITC and the Additional Child Tax Credit. These can generate a refund even if you have no tax liability. To qualify, you must file a tax return, even if not otherwise required. The IRS EITC page provides a detailed eligibility checklist.

Hlala Uhlelekile Phakathi Nonyaka

Ukuhlela intela okuphumelelayo kudinga ukukhuthala unyaka wonke. Gcina incwadi enikezelwe (ngezingawo noma ngokwezinombolo) ukuze uthole ama-lishidi, ama-infoisi, nenkokhelo. Kulandele izindleko zezokwelapha, iminikelo yokusiza abasweleyo, izindleko zasekhaya, izindleko zezemfundo njengoba ziqhubeka. Sebenzisa iprogramu yokulinganisela indawo yakho yentela yonyaka phakathi nonyaka futhi ulungise ukugodlela noma ukukhokha okulinganiselwayo.

Bonana Nochwepheshe Bentela

Nakuba abakhokhi bentela abaningi bengaphatha izintela zabo nge-software, izimo eziyinkimbinkimbi − njengokuba nebhizinisi, ukuba nezakhiwo zokuqasha, noma ukusebenzelana nenzuzo ephawulekayo yokutshala imali ($nawarrial durant shoshold). Uma umnini-akampari ogunyaziwe noma ummeli obhalisile angathola izikweletu nezikweletu ongase ulahlekelwe, aqinisekise ukuthi uhambisana nemithetho yentela ehlelwa njalo, futhi akusize ukuba wakhe icebo lokukhokha iminyaka eminingi. Imali ngokuvamile ikhokhela ngokwemali elondolozwe intela.

Izihibe Ezivamile Okumelwe Zigwenywe

Ngisho nabakhokhi bentela abazimisele bangathatha amaphutha avamile anciphisa noma aqede izinzuzo zentela eziyigugu. Ukugwema lezingibe kubaluleke njengokufuna izikweleti nezikweletu ezifanele.

Umnikeli Weminikelo Yokwengamela

Uma ufaka, i-IRS idinga umnikelo wanoma yimuphi umnikelo wamaRandi angu-4,50 noma ngaphezulu. Iminikelo yemali, irekhodi noma ilayisensi yebhange elivela kuleyo minikelo idingekile. Ezinhlamvwini ezingezona ezobukhazikhashane, kumelwe ufake i-Form 8283, futhi izinto ezingaphezu kuka-R2 500 ngokuvamile zidinga ukuqashelwa okufanelekile. Ngaphandle kwemibhalo, intengo yakho ayivumelekile.

Ukusho Ngokungafanele Ukuthi I - EITC

I-EITC inemithetho eyinkimbinkimbi ngokuphathelene nemali edonswayo esebenzayo, isilinganiso semali edonswayo, kanye nokufaneleka kwezingane. Amaphutha avamile ahlanganisa ukusebenzisa isimo sokuhlela ngokungafanele, ukubika ngephutha iholo, noma ukuthi ingane engahlangani nobuhlobo nokuhlola indawo yokuhlala. I-IRS ingaphika ukuthenga izimali futhi ibeke isijeziso. Sebenzisa umncedisi we-ETC [ ukuze uhlole ukufaneleka kwakho.

Nganaki Ukuphuma Kwephase

Izikweleti eziningi kanye nezinye izikweleti ezincishiswayo zincishiswa lapho iholo linyuka. Ukuhluleka ukuveza isigaba semali kungaholela ekumangaleni okungathandeki ngesikhathi sentela. Ngokwesibonelo, intela yengane iqala ukudlula kumaRandi angu-200,000 (R1,50 000). Uma iholo lakho liseduze nomnyango, cabangela ukulinganisela iholo noma ukuthengwa okusheshayo ukuze uhlale ungaphansi kwezinga lesigaba.

Ukubheka Imithombo Kahulumeni

Izifunda eziningi zinikeza izikweletu zazo zikahulumeni kanye nezikweletu eziyingqayizivele − njengezikweletu zemali zekholiji, izisebenzi zokuzithandela zokulwa nomlilo, noma izindleko zokutholwa. Ungakhohlwa ukuhlola izinzuzo ezicacile zikahulumeni lapho ulungiselela ukubuya kwezwe lakho. Iwebhusayithi yeRevoce iyinto enhle.

Isiphetho

Intela encishisiwe nezikweleti ziyizindlela ezinamandla ezinganciphisi nje kuphela umthwalo wakho wentela kodwa futhi zihlele ngendlela yokuziphatha okuqinisa umphakathi nezwe. Kusukela eminikelweni yokusiza abasweleyo nasemakhaya kuya ekutholeni imfundo namandla, ilungiselelo ngalinye libonisa uhlelo lwamabomu lokukhokha izivumelwano zomphakathi. Ngokuqonda umehluko phakathi kwentengo nezimali, ukuhlala uhlelile, nokuhlela ngokuhlelekile, ungandisa imali yakho uma wenza iminikelo enenjongo emphakathini. Imithetho yentela ishintsha njalo, ngakho yenza ukubukezwa kwaminyaka yonke ngosizo lomuntu siqu noma ngesiqondiso sochwepheshe. (*) ukuqinisekisa ukuthi ungalokothi uphuthelwa ithuba. Ngalamathuluzi ngesandla, ungaguqula inkathi yokukhokha intela ekwenziweni kwezekwakhelini kweze futhi uphathiswe imali.