Ziyini Izipho Zentela?

Izikweleti zentela zisusa ngokuqondile emalini yentela onecala kuhulumeni. Ngokungafani nezikweleti zentela ezinciphisa intela oyikhokhayo, ukukhokha intela kunciphisa imali yakho yentela yemali ebhayisekile ye-dollar-dollar. Ngokwesibonelo, imali ekhokhwayo engu-R1,000 ekulondolozeni ezintela, kanti intengo engu-R1,000 ingakusindisa kuphela uma ukwehlisa ama-R2%. Lokhu kwenza izikweleti zibe yigugu kakhulu. Izigaba ezimbili eziyinhloko azikhokhiwe futhi azikhokhisi imali ekhokhelwayo.

  • [ Izikweleti zentela ezingakhokhwa: Lezi zinganciphisa intela yakho ibe yizero kodwa ingaze ibe ngaphansi kwezero. Uma isikweleti sikhulu kunentela oyikweletayo, ulahlekelwa ukweqisa. Izibonelo zihlanganisa iNkokhelo yeNkosana ne-Chesterinter ne-Finiting Learning Cresure.
  • [ Izimali zentela ezincomekayo: Lezi zinganciphisa intela yakho ngaphansi kwezero, okusho ukuthi uthola umehluko njenge-refti. Ngisho noma ungenayo intela, ungathola imali. Imali ekhokhelwe ebhayisekile (EITC) nenkokhelo yentela yabantwana efakiweyo ikhona ngokwengxenye.

Ukuqonda lomehluko kubaluleke kakhulu lapho uhlela imali yakho. Izikweletu ezincomekayo zinamandla kakhulu emakhaya athola imali ephansi ngoba angabuyisela imali ngisho nalapho intela ingakhokhwa.

Indlela Ukudunyiswa Kwentela Okuhluke Ngayo Ezikhungweni Zokufundisa

Intela eningi ididanisa izikweleti zentela nezikweleti zentela, kodwa zisebenza ngendlela ehlukile. Intethelelo inciphisa iholo lakho elilungisiwe (AGI) ngaphambi kokuba ubale intela. Ngokwesibonelo, uma uthola intela engu $50 000 (R1,000) futhi ukhokhela intela, ukhokhwa ngemali engu-R3 000 000, kodwa izimali zokukhokha zinikeza inzuzo engcono kakhulu emacaleni amaningi.

Ezinye izikweleti zithi "azikholeki," okusho ukuthi zinganciphisa intela yakho ibe yiqanda. Ezinye "ezingancishiswa ngokuyihlukanisa," njenge-Child Tax Current, ekuvumela ukuba uthathe ingxenye ngisho noma ungenayo intela. Ukuqhathanisa okuningiliziwe, izikweletu kanye nezindlela zokuhlobisa ikhasi kunikeza umbono ocacile.

Izinhlobo Zezikweletu Zentela

Kunezikweletu zentela zikahulumeni nezikahulumeni ezingamakhulu, kodwa ezivame kakhulu nezinethonya kubhalwe ngezansi. ngayinye ifeza injongo ethile, kusukela ekusekeleni imikhaya kuya ekukhuthazeni imfundo nokuphumelela kwamandla.

1. Imali Ekhokhelwayo Ekhokhelwa Intela (EITC)

I-EITC iyisikweleti esinenzuzo esiklanyelwe izisebenzi ezikhokhayo eziphansi ezilinganayo. Imali ixhomeke emholweni ozoyithola, esimweni esiphansi, nasenanini lezingane ezifanelekelayo. Ngonyaka ka-2024 wentela, izinga lokuthenga ngesikweleti elisukela ku-$600 (akukho zingane) kuya ku- $7,830 (izingane ezintathu noma ngaphezulu). Ukuze ufaneleke, kumelwe uzuze iholo ngaphansi kwemikhawulo ethile (umzekelo, $59,899 yemali ebhaliswe iyunithi emisha ehlangene nezingane ezintathu noma ngaphezulu). IRS inikeza [i-[FLT: 0] i-EXIT shoved shortum (insed shorts).[FLD [FLD]

2. Ukudunyiswa Kwentela Yezingane (CTC)

I-CTC itholakala ngokwengxenye futhi ikhona kuntela ekhokhayo enezingane ezingaphansi kweminyaka engu-17 ubudala, kusukela ngo-2024, ukuboleka kufinyelela ku-R2 000 kumntwana ngamunye ofanelekayo, okuno-R2 000 kulingana no-R2,80 000 otholakala njenge-Add Recoomsting Taxis. I-Piseout iqala ngo-AGI engu-200,000 (R1 000) ngokubambisana. Kumelwe ukuba ube nenombolo esemthethweni ye-Social Security yengane ngayinye.

3. Ukudunyiswa Kwentela YaseMelika Etholakala Ngethuba Lenkululeko (AOTC)

I-AOTC ihlanganisa izindleko zemfundo ezifanele eminyakeni emine yokuqala yekolishi. Inikeza ikweleta okukhulu ko $2,500 kumfundi ngamunye, okuthi kuwo 40% (ukwehla ku-R1 000) ibuyiselwe. Ukuze ifaneleke, umfundi kumelwe abhaliswe okungenani ingxenye yesikhathi ngesilinganiso esithile sesilinganiso noma isimiso sokugunyaza isitifiketi. Izikweleti zemali ekhokhelwayo yabakhokhi bentela abaphezulu (AGI ngaphezulu kuka-R1 500, R180 000). Ungathi iminyaka emine eshadile intela esemthethweni umfundi ngamunye ungayibhalisa.

4. Ukudunyiswa kokufunda Isikhathi Eside (LLC)

I-LLC ayinakubuyiselwa kodwa ingakhokhwa iminyaka eminingi. Isebenza ezifundweni eziphansi, eziphothulwe iziqu, kanye nasezifundweni zemfundo yemfundo ephambili, kanye nakukhokha amasu okuthuthukisa amakhono omsebenzi. Imali yokuthenga ingaphezulu ingu $2,000 (R1,000) ngemuva lentela (20% ku-R1 000). Izinga lokuthola imali liphansi kune-AOTC: AGI ngaphezu kuka-R1,000 [R1,50 000] engashadile, R79 000 [R180 000] ngokubambisana.

5. Ukudunyiswa Kwentela (PTC)

Lesisikweleti esikhokhelwayo sisiza abantu nemikhaya ukuba bakhokhele umshuwalense wempilo othengiswe nge-Health Inshuwalem Mreammental. Ukuthenga izimali kusekelwe ekukhuleni kwasekhaya nasemalini ehholweni ehlobene nesilinganiso sobumpofu sikahulumeni. Ungathatha ikweletu kusengaphambili (ikhokhelo ekhonkiwe) noma uyikhokhele intela yakho. Ngokuvamile, kumelwe ube nemali ekhokhelwayo phakathi kwekhulu ne-400% yomphakathi ompofu.

6. Ukunikezwa Kwengane Imali Yokunakekelwa

Lokhu kuthenga okungasho lutho kusiza ekuhlanganiseni izindleko zokunakekela izingane ezingaphansi kweminyaka engu-13 noma ezikhubazekile ukuze usebenze noma ufune umsebenzi. Ngo-2024, imali enele ifinyelela ku-R2,50 kumuntu ofanelekayo (izindleko ezingu-R250) noma u-R2,100 ngezindleko ezimbili noma ngaphezulu (20% zemali ekhokhelwayo engu-R1 000). Imali yokuthenga ngesikweleti iyancipha njengoba inzuzo inyuka. Imali ihlukile ku-Child Teach Creace Creece futhi ingakhonzwa ngaphezu kwayo.

7. Ikhendi yomgcini-zincwadi (Imali Yokulondoloza Iminikelo yokuthenga)

Lokhu kuthenga okungasho lutho kukhuthaza abantu abathatha imali ephansi nelinganiselwe ukuba bayonga imali ukuze bathathe umhlala-phantsi. Ungayifaka ngeminikelo ku-401(k), i-IRAS, kanye namapulani afanayo. Imali yokuthenga ngesikweleti yi 10%, 20%, noma 50% yeminikelo efinyelela ku $2,000 (R1,000 (R1,000 (uma ishadile ihlangene), kuxhomeke ku-AGI. Ngo-2024, isikweleti esiphezulu singu-R1 000 (R1 000).

8. Ukuthenga Impahla Ngezakhi Zomzimba Ezinamandla Azimele

Futhi yaziwa ngokuthi intela yelanga, lokhu kuhlanganisa izindleko ezilinganayo zokufakwa kwamapayipi awelanga, izifudumezi zamanzi, ama-turbine omoya nezinye izimiso zamandla ezivuselelwayo ekhaya lakho. Ngo-2024, ingu-30% yezindleko ezingenamali elingana ne-dollar. Ungathwala noma iyiphi ingxenye engasetshenziswa eminyakeni ezayo. Lesisikweleti asisebenzi kodwa sibaluleke kakhulu kulolu hlaza oluluhlaza.

9. Ugesi i - Vehicle (EV) Ukudutshulwa Kwentela (Ukudunyiswa Kwe - Vehicle Ehlanzekile)

Izimoto zikagesi ezintsha ezibekwe emsebenzini, ungafanelekela ukuboleka imali engamaRandi angu-4 500. Ukukhokha kuxhomeke endaweni yokugcina yemoto, izingxenye zebhetri, kanye nokuncibilikisa kwamaminerali okugxeka. Imingcele ekhona iyasebenza (AGI ifinyelela ku-R30,000 eshadile ngokuhlangeneyo). Kukhona futhi ukubolekisa ngezimoto ezisetshenziswayo (zifinyelela kuma $4,000) kanye nezimoto zezentengiselwano. I-IRS igcina i-actives [ izimoto ezifanelekayo.

Izimfuneko Zokuvumelana Nezimo

Intela ngayinye inezindinganiso ezithile okumelwe uzifinyelele. Lezi zihlanganisa isilinganiso seholo, izimfuneko zemali, iminyaka elinganiselwe, kanye nabantu abancike ekukhokhweni.

Imingcele Eholelayo

Izikweleti eziningi zilungise iholo elikhulu (AGI). Ngokwesibonelo, i-EITC ithatha izigaba ezihlukahlukene ezisekelwe enanini lezingane. I-Child Tax Curves iqala ukuthatha amaRandi angu-200,000 ashadile. Ezinye izikweleti, njengeSaver’s Credit, zinezikhwama ezidonswayo eziphansi kakhulu. Sebenzisa i- i-Internactive Teaxis Umncedisi wethecio[[[[FLLT:1]]]

Isimo sokufinyeza

Ezinye izikhululo zidinga izimo ezithile eziqondile zokuhlela. Ngokwesibonelo, i-EITC ikhona ku-all eshall ehlangene, inhloko yomkhaya, u-accel (umfelokazi), noma ungashadile. Ukufaka ishende ngokuhlukana ngokuvamile kukwenza uhlukane nezikweletu eziningi. I-Child ne-Defent Care Crece ivimbela ukuba ushade ngokuhlukana ngaphandle kokuba uhlangabezane nezimo ezithile (umk., uhlukene ngokomthetho noma uhlala ngokwehlukana).

Ukwenza Izingane Nezinga Lokuthembela KuNkulunkulu

Udumo oluningi luxhomeke ekubeni nengane efanelekayo noma encike kumntwana odinga inzuzo. I-IRS ichaza ingane efanelekayo ngobuhlobo, ubudala, indawo yokuhlala, nokusekela. I-Child Tax Crest, ingane kumelwe ibe ngaphansi kweminyaka engu-17, indodana yakho, indodakazi, ingane yomntwana, ingane yowenu, ingane yakini, noma umzukulu wakho, futhi kumelwe ihlale nawe isikhathi esingaphezu kwengxenye yonyaka. I-EITC ihlanganisa incazelo ehlanganisa abantwana abangaphansi kweminyaka engu-19 (noma abafundi abaphelele abangaphansi kwengu-24) futhi ikhubazeke unomphela izingane.

Indlela Yokuthi Uthola Intela

Ngokuvamile lenqubo ilandela lezi zinyathelo, kodwa njalo ufunde iziyalezo eziqondile zemali ngayinye.

Programa Umbhalo odingekayo

Ugcine wonke amarisidi namafomu afanele. Ukuze uthole ama-alishi emfundo, kudingeka i-Form 1098-T eqenjini lakho. Ukuze umntwana athole imvume, udinga izinombolo ze-Social Security yengane ngayinye. Ukuze uthole i-EV, udinga i-VIN nencwadi evela kumenzi. Ukuze uthole imvume yamandla, gcina ama-ligidi kanye nomshini wokukhiqiza. Hlela yonke into ngaphambi kokuba uqalise ukubuya.

2. Qedela Intela Efanele Noma Izinqubo Ezifanele

Udumo ngalunye ludinga uhlobo oluthile.

  • EITC:[ Isimiso se-EIC (uma unezingane ezifanele)
  • [[Umthetho:0] Icala lentela yezingane:[[[Umthetho:1] Isimiso 8812
  • Inzuzo yokuguqula (AOTC/LLC): Ifomu 8863
  • [[Umthetho:0] Indumiso yeTaxi ye-Purium: Ifomu 8962
  • [[Umntwana:0] nokunakekela okunciphile:[[Umthetho:1] Ifomu 2441
  • [[Umthetho:0] Indukusa yomgcini-cala:[[[QUL:1] Ifomu 8880
  • Izindawo ezithandekile:[ Ifomu 5695
  • [[Umthetho:0] Udumo oluhlanzekile lweVhicle:[ Ifomu 8936

Izinhlelo eziningi ze - computer zentela zingakuqondisa kulezi zinqubo uma uyiphendula ngokunembile imibuzo yengxoxo.

3. Ukubuya Kwentela

Ungafaka i-electal (e-hele) noma ngeposi. I-e-filfil ishesha futhi inciphise amaphutha. I-IRS ihlela i-e-heled ibuya ngezinsuku ezingaba ngu-21 uma kukhethiwe indawo egciniwe ngqo. Uma ufaka isikweleti esibotshelekayo, i-e-filpoint iyindlela eshesha kakhulu yokuthola imali yakho. Ukufaka iphepha, ukushekesha kabili ukuthi unamafomu adingekayo futhi usayina ukubuya.

4 Gcina Umlando Weminyaka Emithathu Esilo

I-IRS ngokuvamile ineminyaka emithathu kusukela ku-indida ye-past ukuyohlola i-full. Gcina amakhophi enkokhelo yakho, zonke izincwadi ezisekelayo, ama-lithiries, neposi. Izikweleti ezihlanganisa ukudlulisa (njengezikweleti zamandla), gcina amarekhodi enkathi yokuqhubekela phambili kanye neminyaka emithathu. Hlela amarekhodi endaweni elondekile noma enqolobani yezibalo.

Amaphutha Avamile Okumelwe Agwenywe

Ngisho nabathuthi bamafayela abaqaphile bangasheshi. Nakhu amaphutha avamile angabambezela i-refrest yakho noma ashukumise ukugcinwa kwemali:

  • Ukungahloli isilinganiso semali etholakayo esilungisiwe: Imingcele ishintsha unyaka ngamunye. Ukusebenzisa izinombolo zonyaka odlule kungaholela ezikweletini ezingavumelekile.
  • Ukukhohlwa ukuhlola uma isikweletu sikhona: Izikweletu ezingahlehliyo azinakukunika isikweleti esingaphezu kwesikweleti sentela engenamkhawulo.
  • Ukukholisa ukunikeza izinombolo ezisemthethweni zenhlala- kahle: Abanciphisi kanye nabashadile kumele babe nama SSN asemthethweni uma bethola izikweletu eziningi.
  • [ Ukusebenzisa amafomu angalungile onyaka wentela: unyaka ngamunye unezindlela ezithile. Ukusebenzisa amafomu angu 2023 emibuyeni engu-2024 kuzakubangela ukwenqatshwa.
  • Ukukhokha izikweletu zezindleko awukhokhanga: Emfundweni, ukukhokha okungakhokhwa wena kuphela okuqashwa ngokubala /hhayi imali ebolekwayo eyaphucwa esikoleni.
  • [[UMTL:0] Ukumisa isikhathi esimisiwe: Isikhombi esivamile sokugcina i-screen singu-April 15. Ihele libonisa ukwandiswa uma kudingeka, kodwa phawula ukuthi ama-endice ohele akuwona ama-spertocond okuwakhokha.
  • Izikweleti zesifundazwe ezikhombayo: Izifunda eziningi zinikeza izikweleti ezengeziwe ezinganciphisa izintela zikahulumeni. Hlola iminikelo kahulumeni wakho.

Ukunciphisa Izikweletu Zakho Zentela

Ukuhlela kahle kungakusiza ukuba uthole imali elinganayo. Nanka amacebiso:

  • [[QULT: 0] Izindleko: Uma usondelene nesilinganiso sokuthatha isigaba, cabangela iholo noma ukusheshisa izikweleti ze-AGI futhi ufanelekele ukukhokhwa.
  • [[QULT: 0] Ukukhokha izikweletu: Izikweleti eziningi zingabhaliswa ndawonye. Ngokwesibonelo, ungasho kokubili iTaxis Incomo yabantwana neNdoda yomntwana ne-Desfent Care Creer uma uhlangabezana nayo yonke imithetho.
  • [[INTLOBO:0] Sebenzisa isoftware yentela noma ochwepheshe: ukuhlola kwe-software yakho konke ukukweleta ongakufanelekela. Ochwepheshe bentela bavuselelwa ngezinguquko.
  • Ukugcina ngokulunga: Uma uthola ikweletu okungaphindwa njenge-EITC, cabangela ukulungisa W-4 yakho ukuze unciphise futhi uthole imali eningi ekhokhwani ngalinye, kodwa qaphela ukuba ungakweletani intela.
  • Iminikelo ethatha umhlalaphansi: I-IRA engokwesiko noma 401(k) inciphisa i-AGI yakho, ikwenza ufanelekele ukubolekisa okwengeziwe njengeSango sogcino noma i-EITC.

Ushintsho Emithethweni Yokukhokha Intela

Imithetho yentela iyashintsha njalo. Eminyakeni yamuva, izinguquko eziphawulekayo zihlanganisa:

  • 2021 ukwanda kwesikhashana: Intengiso yabantwana yakhuliswa yaba ngu $3,600 kumntwana ngamunye ongaphansi kuka-6,7 000 (R1,60) eneminyaka engu-6-10, futhi yaphinde yabuyiswa ngokugcwele. Iphelelwe isikhathi kodwa amanye amalungiselelo angabuya.
  • Ukushintsha kweVehicle Credits: Ukuqala ngo-2024, isikweleti sinezimfuneko eziqinile zokunciphisa ibhethri. Abathengi kumelwe bathole umbiko kumthengisi futhi bahlangabezane nesilinganiso seholo.
  • Ushintsho lwe-EITC:[ Ushintsho lwaminyaka yonke lwe-IRS luthinta isilinganiso seholo nenani lokuthenga ngesikweletu.
  • Izikweleti ezingekho emthethweni: UMthetho we-Inflatiation Reduction wandisa isikweleti selanga saba ngu-30% futhi wanwetshwa ngo-2032, futhi wasungula izikweleti ezintsha zokuhlola amandla asekhaya kanye nokugcinwa kwebhethri.

Njalo hlola intela yezindaba zokuguqula bese uthintana nochwepheshe wentela ukuze uthole ushintsho lwamuva.

Intela Engaphansi Kukahulumeni

Ngaphezu kwezikweletu zikahulumeni, izifundazwe eziningi zinikeza izikweletu zazo.

  • Isimo se-EITC:[ Izimo eziningi (umzk., California, New York, Illinois) zinikeza inguquko yombuso we-EITC, ngokuvamile ingxenye yemali yokuthenga kahulumeni.
  • [[[UMTL:0] Imali yokunakekela ingane ne-Devisient Care Crears:[ Ezinye izifundazwe zinikeza izikweleti ezengeziwe zezindleko zokunakekela umntwana.
  • [[Inani:0] Imali ekhokhelwayo: Izwe lingase linikeze izikweleti zentela noma izikweleti zemali yeminikelo kuhlela 529.
  • Imali yamandla evuselelwe: Amazwe anjenge New York neMassachusetts anikeza izisusa zawo siqu zokugcina igesi noma ilanga.
  • Imali elondolozwe nge-Historic: Kukulungisa izakhiwo ezingokomlando, ezinye izifunda zinikeza ikweleta.

Hlola ingosi yemali kahulumeni wakho ukuze uthole iminikelo ethile. I-software yakho yentela iyakushukumisela ukuba uthenge imali kahulumeni uma ungena ezindaweni ohlala kuzo.

Imithombo Namathuluzi

Ukuze uhlale unezikweletu zentela, sebenzisa lezi zincwadi ezinokwethenjelwa:

  • IMITHOMBO YEZINTO NOMHLABA - Uhlu olubanzi lwezikweletu zikahulumeni.
  • [[ITL:0] IMSEBENZI YENKQUBO YETHOVELE YOKUXHASA[[QULT:1] - ithuluzi lokuhlola ukuvunyelwa kwezikweletu ezithile.
  • IRPULAHISA 17 - - iziqondiso eziphelele zentela yeholo kahulumeni (imboza zonke izikweletu).
  • [[[UMTL:0] Inkonzo yomxhasi we-Acter - – usizo uma unempikiswano ne-IRS.

Khumbula ukuthi nakuba lezi zihloko zinikeza isiqondiso, isimo sakho esiqondile sentela singase sidinge iseluleko sochwepheshe.

Ngokuqonda indawo egcwele yezikweleti zentela − kusukela kumazinga kahulumeni nokahulumeni kuya kwizinhlobo ezingabuyiseki nengabuyiseki", ungafaka uhele ngokuqiniseka futhi ukhubaze imali yakho yentela. Qala ukuhlela, gcina amarekhodi amahle, futhi ubhale amafayela ngokunembile ukuze usebenzise ngokugcwele zonke izikweleti ofanelekela zona.