Inkathi yentela ingaba isikhathi esinzima kubantu abaningi nasemabhizinisini ngokufanayo. Ukuqonda izikweleti zentela kubalulekile ekukhuliseni intela yakho futhi unciphise intela yakho. Lo mqondisi ogcwele uzokuhambisa ngezici ezibalulekile zentela, kusukela ezincazelweni kuya emandleleni athuthukisiwe, ukukusiza ukuba ulawule ukunkima kwentela yakho ngokuqiniseka. Kungakhathaliseki ukuthi ungumkhokhi wentela wokuqala noma umnini webhizinisi onolwazi, ukuthengiselwa kwemali kungakusindisa izinkulungwane zamaRandi unyaka ngamunye.

Yini Engenziwa Intela?

Intela encishisiwe, eyaziwa nangokuthi ukubhalisa intela, iyizindleko ezikhethekile ezivunyelwa yi-International Revolution Service (I-IRS) ukuba ususe eholweni lakho elikhokhelwayo. Ngokunciphisa iholo lakho elihlelwe kahle (AGI), inciphisa iholo lemali oyitholayo ebhekene nentela kahulumeni. Lokhu kunciphisa intengo yakho yentela. Imali oyikwehlisa ngokuqondile intela.

Kubalulekile ukuhlukanisa phakathi kwentela ekhokhwayo nezikweleti zentela. Nakuba izikweleti zinciphisa intela oyikhokhayo, izikweleti zinciphisa imali yakho yentela yemali. Ezinye izikweleti ezivamile zihlanganisa i-Child Taxis Creatence ne-Inhoomied Taxies. Intela inamandla ngendlela efanayo, ikakhulukazi kulabo abanezikweleti zentela eziphezulu, ngoba i-dollar ngayinye ehliswe imali yakho ikwehlisa isilinganiso esilingana nesilinganiso sentela ehholweni lakho.

Ngokwesibonelo, uma usesibaleni sentela esingu - 22% futhi ucela ukuthengiselwa u - R220, ulondoloza u - R220 ezintela.

Izinhlobo Zokukhokhiswa Intela

Izikweleti zentela zikwehlela ezinhlangothini ezintathu eziyinhloko: ukutheliswa okuvamile, izikweli ezihlelwayo, nezikweli ezingaphezulu komngcele. Uhlelo ngalunye lunemithetho nosizo lwalo, futhi ungakwazi ukusebenzisa uhlobo olungaphezu kolodwa ngonyaka owodwa wentela.

  • I-Deduction ePhakeme: Imali emisiwe ye-IRS engasho ukuthi abakhokhi abaningi bantela bangasho ngaphandle kodinga uhlu lwezindleko ngazinye. Imali ihlukahluka ngokuhlela (ingenasimo, eshadile ngokuhlangene, inhloko yekhaya, njll.) futhi ilungiselwa ukwehla kwamandla emali minyaka yonke.
  • Izibalo ezifakiwe: Izindleko eziqondile ozidwebelayo Squatule A (FORM 1040) ukunciphisa iholo lakho elikhokhelwayo. Izikweleti ezivamile zihlanganisa inzalo yendlu, izintela zombuso nezokukhokha (SALT), izindleko zezokwelapha, neminikelo yokusiza abasweleyo. Ukusebenzisa imali kudinga ukuba ugcine amarekhodi nemali e-lisithi.
  • ngalé- kwe-Grace: futhi kubizwa ngokuthi ukulungisa inzuzo, lokhu kukhishwe eholweni lakho elikhulu ngaphambi kokuba ubale i-AGI yakho. Zikhona kungakhathaliseki ukuthi ufaka noma uthatha intengo evamile. Izibonelo zihlanganisa iminikelo ekwakheni i-IRA, inzalo yabafundi, nezindleko zomfundisi.

Ukukhetha inhlanganisela efanele yezikweleti kungawuthinta kakhulu umphumela wentela.

Isiko leDeduction vs.

Ukunquma ukuthi ungathatha yini izincopho ezivamile noma ubhale izinto ozishiyile kungenye yezinqumo ezilandelayo ozenzayo uma uhlela. Nakhu ukubheka ngokujula kwendlela ngayinye.

Ukuhlinzwa Okuvamile

Ukuncishiswa okuvamile kuyindlela elula yokunciphisa iholo lakho elikhokhelwayo. Ngonyaka ka-2024, inani elivamile lentengo (elivezwe kusukela ku-2023) yile:

  • Amafayela angawodwa: $14 600
  • Iqophelo eliqoshiwe: U - R2 200
  • Inhloko yendlu: U - R2 900
  • Ukuhlelwa kweqembu elishadile ngokwahlukana: U - R4 600

Lezi zilinganiso zanda kancane unyaka ngamunye ngenxa yokwehla kwamandla emali. Uma uneminyaka engu-65 noma ngaphezulu noma uyimpumputhe, ungafanelekela isilinganiso esengeziwe senani elivamile. Abakhokhi bentela abaningi bathola isilinganiso esifanelekile ngoba asidingi ukugcinwa kwezindleko ezibhaliwe. Nokho, uma izinto ozitholile zidlula izinga elivamile lokuthengwa, kunengqondo ngokwezimali ukulinganisela.

Iziphuzo Eziyimijovo

Ukwenza okuthile kukwenza ukwazi ukuthola izindleko ezithile i - IRS ezicabanga ukuthi azikho.

  • [ Inzalo yemali: Inzalo yakhokha imali engafinyelela ku-R350 000 ezikweletu ezifanelekayo zokuthola ikhaya (noma izigidi ezingu-R2,50) zezikweletu eziba khona ngaphambi kukaDecember 16, 2017).
  • Isimo nentela yendawo (SALT): Ungakhipha izintela zeholo noma izintela zikahulumeni zokuthengisa, kanye nentela yempahla, kulingana nesilinganiso esihlangene samaRandi angu-59 (R39 000 uma ishadile ingekho ngokwehlukana).
  • [[INKCIT:0] Izindleko zezentengiselwano nezezingosi: izindleko ezingaphezulu kakhulu kwe 7.5% yemali yakho elungisiwe (AGI) ayisebenzi. Lokhu kuhlanganisa ukukhokha odokotela, izibhedlela, imithi yokwelapha, kanye nezinkonzo ezithile zesikhathi eside zokunakekela.
  • Iminikelo ye Accounting : Iminikelo ezinhlanganweni ezifanelekayo ezinikela ngesihle ingakhishwa, ngesilinganiso esifinyelela ku-60% yeminikelo yakho ye-AGI (engaphansi kwemithetho ethile).
  • Ukulahlekelwa nokulahlekelwa okungaphucukile: ukulahlekelwa yizinhlekelele ezimenyezelwa uhulumeni kungancishiswa, kodwa uma ufaka futhi ukulahlekelwa kudlula i 10% ye-AGI yakho kanye no-R100.

Ukufaka imvume kudinga ukucophelela, njengamarisidi, amasheke ancishisiwe, nezitatimende zebhange. I-IRS ingacela ubufakazi uma uhlolwa, ngakho gcina amarekhodi ahleliwe okungenani iminyaka emithathu.

Izimfuneko Ezifanele Zokuphumelela Ekuhoxisweni

Ukuze uthole noma ikuphi ukuncishiswa kwentela, kumelwe uhlangabezane nezindinganiso eziqondile zokuthola injabulo:

  • Kumelwe ukuba ukhokhe izindleko phakathi nonyaka wentela ofaka kuwo imali.
  • Izindleko kumele zibhekwe [[[QL: 0] ezivamile nezidingekile [ emsebenzini wakho, ebhizinisini, noma esimweni somuntu siqu. Ngokwesibonelo, ihhovisi lasekhaya kumelwe lisetshenziswe kuphela futhi njalo ebhizinisini.
  • Ukuze uthole izikweleti ezikhishiwe, kumelwe ube nezincwadi ezifakazela izindleko nezinhloso zazo.
  • Ezinye izikweleti zinemali esele. Ngokwesibonelo, izindleko zemali ebolekwayo yabafundi ziqala ukuncishiswa kubantu ababolekwayo abambalwa abano - AGI elungisiwe emaRandini angu - 155 000 ngo - 2024.

Uma ungaqiniseki ukuthi awukwazi ukukwenza kahle, thintana neziqondiso ze - IRS ukuze uthole ukuncishiswa ngakunye noma ukhulume nochwepheshe wentela.

Izikhangiso Ezivamile Zentela Eziqondiswe Kubantu Abahlukahlukene

Intela ngayinye ingasebenzisa izindleko eziningi ukuze yehlise iholo layo elikhokhelwayo. Ngezansi kunezinye zezikweleti ezivame ukuthengwa, kanye nemingcele ebalulekile nezici ezingafani.

Izindleko Zezokwelapha Nezezinzwa

Uma unezindleko ezinkulu zokwelapha ezibizayo, ungakwazi ukuqeda ingxenye edlula amaphesenti angu-7.5 e-AGI. Izindleko ezilindelekile zihlanganisa izindleko zomshuwalense wempilo (uma zingakhokhwa ngemali yangaphambi kwentela), izihambelo zikadokotela, izibhedlela, ukuhlala kwamazinyo, ukunakekela amehlo, nemithi yokwelapha. Okunye okufanelekile ukuhamba yizindleko zokwelashwa (umz., isilinganiso semayela esivamile se-athonsi) kanye nentuthuko ethile ekhaya lakho ngenxa yezizathu zezokwelapha (umk., ukufaka amanqama noma izihlambi zokugeza).

Isithakazelo Somfundi

Ungasusa imali efinyelela ku-R2,500 yenzalo ekhokhwa imali ebolekiswa abafundi abafanelekayo, oshade naye, noma oxhomekekile kuwe. Ukuncishiswa kuthathwa njengokulungisa okungaphezulu komngcele, okusho ukuthi akudingeki ukuba ubhale phansi. Nokho, izigaba ezishicilelwe abafaki bamafayela ababodwa abane AGI abangaphezu kuka-AGI $80 000 (R180 000) ngokubambisana) ngo-2024.

Iminikelo Yomhlalaphansi

Iminikelo ye-IRA engokwesiko ingaba egcwele noma elinganiselwe, kuye ngeholo lakho nokuthi (noma umngane wakho womshado) uhlanganiswa nohlelo lomqashi womhlalaphansi. Ngo-2024, isilinganiso somnikelo we-IRA singaba ngu-R2 000 (R1,000 uma uneminyaka engu-50 noma ngaphezulu). Uma usebenza ngokwakho, iminikelo ye-SEP IRA noma Solo 401 ingancishwa njengezindleko zebhizinisi.

Iminikelo Engakhokhwa

Iminikelo ezinhlanganweni ezifanelekayo 501(c)(3) ayikho nokwenzeka uma ufaka imali. Iminikelo yemali ilinganiselwa ku-60% yeminikelo yakho ye-AGI, kodwa iminikelo engeyona eye-cash (umz., izingubo, ifenisha) inemingcele ephansi futhi kumelwe yaziswa ngenani elifanele lezentengiselwano. Iminikelo engaphezulu kuka-RS, idinga ukunconywa okubhaliwe kuleyo minikelo yokusiza abasweleyo. I-IRS inikeza iziqondiso eziningiliziwe [

Izindleko Zothisha

Othisha nabanye othisha abafanelekayo bangakhipha imali engafinyelela ku-R250 (R160) uma bobabili abashadile bengabafundisi futhi bengamafayela) wezindleko ezingakhokhelwanga ezithengwayo zokudla kwasekilasini, izincwadi, kanye nentuthuko yobuchwepheshe.

Iziphakamiso Zentela Ezivamile Zohwebo

Abanikazi bamabhizinisi nabantu abaziqashayo banezinto eziningi ezinganciphisa kakhulu intela edonswayo. Ukuqonda nokubhala phansi lezi zikweleti unyaka wonke kubalulekile ekuhleleni intela okufanele.

Izindleko Ezivamile Nezidingekayo Zebhizinisi

I-IRS ivumela izikweleti zezindleko zombili ezivamile (ejwayelekile embonini yakho) kanye [ [[Inzuzo futhi efanele ibhizinisi lakho]). Izibonelo zihlanganisa ukuqasha ihhovisi, izinto ezisekelayo, izikhangiso, izimali, imishuwalense, neholo lezisebenzi. Lokhu kubikwa nge-C [[FMFM: 4.] C (FORT) ngenxa ye-eborverties okanye intelo yezentengo efanelekile (g., Fm20).

Ukukhishwa Kwehhovisi Lasekhaya

Uma usebenzisa ingxenye yekhaya lakho kuphela futhi njalo ebhizinisini, ungafanelekela ukuncishiswa kwehhovisi lasekhaya. Ungasebenzisa indlela eyenziwe lula (R5 kusuka ku-36,3 sq km) noma indlela yasikhathi sonke (ukuhlanganisa izindleko zangempela njengenzalo yesibambiso, izinto ezisemgangathweni, nokulungisa izindleko ezilingana nezomsebenzi). Qaphela ukuthi lokhu kuthengwa kutholakala kubantu abasebenza; izisebenzi azikwazi ukuthenga ihhotela lehhovisi lasekhaya ngaphansi komthetho wamanje.

Izindleko Ze - “vihicle ”

Abanikazi bamabhizinisi bangasusa izindleko zokusebenzisa imoto ezinjongo zebhizinisi. Unezindlela ezimbili: isilinganiso semayela esivamile (amasenti angu-67 ngekhilomitha ngo-2024) noma indlela [ esebenzayo yokukhokha imoto [[ [ukukhipha igesi, ukulungisa, umshuwalense, njl., ngokusekelwe esigabeni lamamayela ebhizinisini lamakhilomitha]. Isilinganiso semali ejwayelekile silula, kodwa indlela yangempela ingaveza ukuncipha okukhulu uma unemoto ephezulu. Gcina isikhala semoto esinemininingwane yebanga ukusekela kwakho.

kukhokhelwe futhi kuthathwe isiqephu ngo-179

Impahla yebhizinisi njengecomputer, imishini, nefenisha ingasuswa ngenxa yokuphila kwayo okuwusizo. Nokho, Ukuncitshiswa 179 kukuvumela ukuba ususe izindleko ezigcwele (ukwehlela kuR1,200,000 ku-2024) zokufanelekela noma ukusetshenziswa kwempahla ebekwe enkonzweni phakathi nonyaka wentela. I-etacity (60% ka-2024) ivumela futhi ukukhokha ngokushesha impahla ngenkathi yokululama kweminyaka engu-20 noma ngaphansi. I-IRS inikeza imithetho eningi kakhulu yendlela yokusebenza noma yokusebenza ekhona phakathi nonyaka wentela.[[FLT]]

Ukuzifunela Intela

Abantu abazisebenzelayo bakhokhela kokubili izingxenye zentela ze-Social Security and Medicara, okuyikho okuwumthwalo obalulekile. Nokho, ungasusa ingxenye yomqashi elinganayo (50% yentela yokuzisebenzela) njengentengo ephezulu ye-octal 1040, unciphisa iholo lakho elikhokhiwe intela.

Indlela Yokuthi Uyintandokazi Ekubuyiseni Kwakho Intela

Ukuze uthenge imali ngokunembile kudingeka uhlele futhi uqaphelisise amafomu entela, landela lezi zinyathelo ukuze uqiniseke ukuthi unelungelo lokuthola zonke izikweleti ozitholile.

  1. Iqoqoza amabhukwana akho: wonke amarisidi, W-2, 1099, izimemo zenzalo yendlu (Form 1098), iminikelo yokusiza ivuma, izingobo zokulinganisa imitha, nezindleko zezokwelapha. Amarekhodi ezibalo ayamukeleka uma nje ecacile futhi ephelele.
  2. Cwangcisa izincopho zakho ezivamile zo-v. izincopho ezihlelwayo: Sebenzisa iphepha lezokubhala noma isofthiwe yentela ukugcwalisa izindleko zakho ezikhokhekayo. Uma ingqikithi idlula isilinganiso esivamile senani lakho, uzosifaka. Ngaphandle kwalokho, thatha izincopho ezivamile.
  3. IsiHlobo esiphelele A (uma sifaka): hambisa izindleko zakho ezifanelekile eShedynal A bese unezela kuzo. Ingqikithi evela kuShedynal A ifakwe kuFor 1040, umugqa 12.
  4. [[I-FLT:0] I-Claim ngenhla kwezincopho zomngcele: Sebenzisa amafomu afanele noma uhlelo lokulungisa i-IRA (amaphawuli angu-5329 noma i-IRA yakho yomnikelo), inzalo yomfundi (u-Screen 1, umugqa 21), kanye nezindleko zomfundisi (uhlelo 1, umugqa 11).
  5. Uhele obuyayo ngenkathi emisiwe: Umkhawulo wokuhlela intela ungu-April 15. Uma ungakwazi ukubhala ngenkathi edlulile, ifayela Lomkhondo 4868 ukuze kwandiswe izinyanga eziyisithupha ezizenzekelayo. Izithasiselo zikunikeza isikhathi sokubhala amafayela, kodwa ungakhokhi noma iyiphi intela efuneka.

Intela eningi isebenzisa izikhokhelo ezingochwepheshe noma i-software yentela enedumela elihle ukunciphisa amaphutha. I-IRS inikeza futhi Ihele elikhululekile [ kubantu abafanelekayo abane-AGI engu-AGI ka-$7,000 noma ngaphansi.

Izinguquko Zamuva Zezentela (2024 Nangalé Kwayo)

Imithetho yentela iyashintsha kaningi, ngakho kubalulekile ukuhlala unolwazi. Nakhu ushintsho oluphawulekayo lwamuva:

  • [[NTL:0] Ushintsho lwenani elikhuphukayo: Izinga elivamile, izigebezo zentela, nemingcele eminingi ye-decity (umk., i-SALT, i-RA capter yomnikelo) kuyashintshwa minyaka yonke ngenxa yokwehla kwamandla emali. Bheka incwadi ye-IRS ngonyaka wamanje.
  • Izikweletu zezezezimali ezinika inzuzo ezingekho-mfashinini ziphelile: Ilungiselelo elivumela ukufinyelela ku-R340 (R1 500) ngeminikelo yeminikelo yokusiza abathatha i-acensi elivamile eliphelelwe ngemva kuka-2021. Ayikavuselelwanga kabusha njengango-2024.
  • [ Izindleko zomphakathi zanda: Isilinganiso samaRandi angu - R250 kubafundisi sakhushulelwa kuR250 ngo-2023 no-2024 (isilinganiso sokwehla kwamandla emali).
  • Inzalo yezebhizinisi incishisiwe:[ Ngaphansi kwesiqephu 163(j), intethelelo yebhizinisi ilinganiselwe ku-30% yemali ekhokhelwayo ehlelekile, ngaphandle kwemisebenzi emincane.

Ukuze uthole ukwaziswa kwamuva, hlola i-website ye-IRS noma i-dviser yentela ethembekile. Igumbi lezindaba ze-IRS [ iwumthombo onokwethenjelwa wezaziso ezingokomthetho nezinguquko zomthetho wentela.

Amaphutha Avamile Okungagwenywa Lapho Kushiwo Ukuthi Kuyinkolelo - ze

Ngisho nentela ekhokhelwa ngokucophelela ingenza amaphutha abiza imali noma abangele ukuba bakhokhele i - IRS.

  • Ngokubuka izikweleti ezithengisiwe: Abakhokhi bentela abaningi baphuthelwa izikweleti ezinjengentela kahulumeni yokuthengisa (uma uhlala esimweni esingenayo intela eholayo), ukubuyisela imivuzo yokunganciphisi (okwandisa isisekelo sezindleko zakho, hhayi inzuzo yemali nge-se, kodwa ithinta inzuzo yemali), kanye ne-akhawunti yemali egciniwe (HSA).
  • Izindleko zomuntu siqu nezebhizinisi: ukubiza izindleko zomuntu siqu njengezithena zebhizinisi njengeflagi ebomvu. Izindleko ezihlobene nebhizinisi lakho kuphela azikho. Gcina ama-akhawunti ebhange ahlukene namakhadi okuthenga ngesikweleti ebhizinisi.
  • Kuyaphumelela ukugcina amarekhodi afanele: Ngaphandle kwamarisidi, izingodo, noma izitatimende zebhange, i-IRS ingavumela izilinganiso zakho uma zihlolwa. Sebenzisa i-app ye-minuber noma i-pasethi elula ukuze ulandele izindleko unyaka wonke.
  • Ukulinganisa okunembile imingcele: Izikweleti eziningi zinezikhawu-ezinga-le-AGI (umzk., izindleko zezokwelapha ezingaphezu kwe 7.5% ye AGI) noma amakhepisi e-dollar (umz., isilinganiso se-SALT ye-R120).
  • Ukukhomba izikweletu zehhovisi lasekhaya ngokungafanele: Ihhovisi lasekhaya kumele lisetshenziswe kuphela futhi njalo ebhizinisini. Ukusetshenziswa kwe-acidental (umz., itafula lakho lokudla elisetshenziswa njengenxenye yesikhathi sedesiki) alifaneleki.

Isiphetho

Ukuqonda intela encishisiwe kubalulekile ekuqondiseni imali yakho ngokuphumelelayo futhi ukhulise intela. Noma ukhetha ukuthatha izindleko zakho ezisesilinganisweni noma uhlela izindleko, ukutshelwa nokuhlelwa kuyokusiza ukuba usebenzise inkathi yentela ngokuqiniseka. Ukuhambisana nokulungisa izindleko zaminyaka yonke, ukugcina amarekhodi acophelelayo, futhi unganqikazi ukufuna iseluleko esikhokhelwe kahle ezimweni ezinzima. Ngokufaka intela egcinwe kule siqondiso, unganciphisa umthwalo wakho wentela ngokomthetho futhi ugcine imali yakho enzima.