Yini Ebalulekile Ezentela Futhi Kungani Zibalulekile?

Intela encishisiwe iyizindleko ze-Internvotion Reformation Service (IRS) ezikuvumela ukuba ususe eholweni lakho eliphansi, kanjalo unciphise iholo lakho elikhokhelwayo. Uma intela encishisiwe, intela oyikhokhayo inganciphi kakhulu, noma intela encishisiwe ingaba nkulu. Ukuqonda izikweleti zentela kungenye yezindlela eziphumelela kakhulu zokuphatha intela yakho ngokomthetho. Nokho, ukucela intela kumelwe futhi uthwale imithwalo ekhethekile: Kumelwe uhlangabezane nezindinganiso eziqondile, ukugcina imibhalo enembile, kanye namafayela ngendlela efanelekile. Lesiqondiso esikhuphuzile sihlanganisa izikweleti zentela eziningi ezivamile, ukuthi ungakhetha kanjani phakathi kwemali evamile nempahla ekhokhelwayo, nemisebenzi yonke intela kumelwe igcwalise ukugcina ukugcinwa.

Isiko leDeduction vs.

Umkhokhi wentela ngamunye ubhekene nokukhetha okuyisisekelo: thatha izikweletu ezivamile noma ulinganise izinto ezizoncishiswa.

Ukuhlaziywa Okuvamile

Imali encishisiwe ejwayelekile iyimali emisiwe yemali encishisiwe enciphisa intela oyikhokhayo. Akudingeki ukuba ubhale izindleko ezithile ukuze ufanelekele. Imali ixhomeke ekubekeni imali yakho, ubudala, nokuthi uyimpumputhe yini. Ngonyaka ka-2024 wentela, izilinganiso ezivamile yile:

  • izilawuli zamafayela ezizimele: $14,600 [R160]
  • Iqoqo elihlangeneyo:[[[FLT] R2,200]
  • Ukuvuthwa komkhaya: UR2,900
  • Ukuhlelwa ngokwehlukana:[ U-R2,600]
  • Isivumelwano sokufakelwa kwabakhokhi bentela 65+ noma izimpumputhe: UR1,550 (inhloko yomkhaya eyodwa/eyodwa) noma u-R250 (eshadile)

Intela eningi ithola intethelelo evamile ilula, ikakhulukazi uma izindleko zayo eziphelele ezisetshenziswayo ziphansi kakhulu kulezi zindleko.

Iziphuzo Ezicitshwayo (Iziphethu A)

Ukunikeza kusho ukuhlelwa kwezindleko ezithile ezivunyelwe Shoom A. Izithene ezivamile zihlanganisa inzalo yendlu, intela yombuso neyomphakathi (SALT), izindleko zezokwelapha nezokukhankasela, iminikelo yokusiza, nokulahlekelwa kwezilonda. Kufanele ubeke imali kuphela uma ingqikithi yezikweleti zezinto idlula izinga lakho elivamile.

Ukuchazwa Kwezikhangiso Zentela Ezivamile

Ngezansi kunezindawo ezivame ukuthengwa, kanye nemithetho eyinhloko nemingcele okufanele ikweletiswe yilowo nalowo okhokha intela.

Izindleko Zezokwelapha Nezezicubu

Ungasusa izindleko zezokwelapha nezingasetshenziswa ezidlula 7.5% zemali yakho elungisiwe (AGI). Izindleko ezifanele zihlanganisa ukukhokha odokotela, odokotela, izinsalela zesibhedlela, imithi yodokotela, imithi yokwelapha amazinyo, ukunakekela amazinyo, kanye neminye imisebenzi yokunakekela amazinyo emide. Izindleko zokwelashwa (umz., ukuhamba ngebanga eliphakathi kwemali yezokwelapha) kungabala futhi. I-TPI: Ukuthiza, ukuthatha lentengo, kumelwe ubeke intengo. Uma izindleko zakho zokwelapha ziphakeme.

2. Umbuso Nentela Yendawo (ISIKHATHI)

Ungasusa intela yemali eholwayo neholo lendawo, ukuthengisa, nempahla kulingana nentela ehlangene ye-$5 000 (R150 000 uma ushadile ungena ). Lesi sigqoko sisebenza kungakhathaliseki ukuthi siyini isimo sokufaka ishende. Ungakhetha ukukhipha izintela zemali eholayo noma intela kahulumeni, kodwa hhayi zombili. Izintela zempahla yezindawo zezwe nendawo ozakhele zona zihlanganisiwe futhi ngaphansi kwentengo ye-SALT. [[FL:] Isaziso samuva:[ Isilinganiso se-RCCCC, noMthetho kaJobes Act ka-201717, futhi zikhokhishwe ngo-20172]

3. Isithakazelo Sokuthola Inzuzo

Inzalo ekhokhelwa isikweleti sokuhlala esisetshenziselwa ukuthenga, ukwakha, noma ukuthuthukisa indlu yakho enkulu noma indlu yesibili ayikho ngokomthetho, ilinganiselwe. Ukukhokha izikweletu ezikhishwe ngemva kukaDecember 15, 2017, ungasusa inzalo efinyelela ku-R350 000 emalini yokuhlala efanelekayo (R375 000). Izikweletu zakudala, umngcele wokukwehlisa inzalo yakho ungancishiswa futhi ngaphezu kokuphila kwemali eboletwayo. Qaphela ukuthi inzala ekhona incishisiwe ihliswa kuphela uma imali eboletwayo isetshenziswa ekuthuthukiseni impahla.

4. Iminikelo Yokusiza Abaswele

Iminikelo emisha ingenzeka uma ufaka imali. Kumelwe ube nemvume ebhaliwe nganoma yimuphi umnikelo wamaRandi angu-2050 noma ngaphezulu. Iminikelo yemali, gcina irekhodi noma irisithi yemali ebhange. Iminikelo engakhokhwa ngeminikelo, ngokuvamile udinga irisithi futhi, uma izinto ezibiza ngaphezu kuka-500 [R1,50], kumelwe uphelele FORM 8283[. Imali encishisiwe ilinganiselwe ku 60% yeminikelo yakho ye-AGI yemali ehmpraficity ehlwini yomphakathi (50% yempahla).

Ukukhishwa Kwehhovisi Lasekhaya

Uma usebenzisa ingxenye yekhaya lakho njalo futhi ngokukhethekile ebhizinisini, ungafanelekela ukuthengiselwa ihhovisi lasekhaya. Lokhu kuncishiswa kutholakala kubantu abasebenza bona kanye nabazisebenzelayo kodwa ngokuvamile hhayi izisebenzi. Izinqubo ezimbili zikhona: indlela eyenziwe lula (ukulinganiselwa ku-R3,50 ngezinyawo-skwele, kuya kumamitha-skwele = [R1,500] ubukhulu) kanye nendlela yasikhathi sonke (ikhokha izindleko zangempela njengenzalo yemali ebolekisayo, imishuwalense, umshuwalense, nokulungisa). Isikhala kumelwe sibe yindawo yakho eyinhloko yebhizinisi noma lapho uhlangana khona nabathengi. Ukulahlekelwa intela:[FLT:] [ikhithiwe yehhovisi lasekhaya] [inani elingu-screacentiumccond , ukuconga kakhulu kombhalo ogciniwe.

6. Izindleko Zemfundo Nesithakazelo Somfundi

Izikweleti eziningi ezihlobene nemfundo nezikweleti zikhona. Imali ekhokhwayo ekhokhwayo [ ikuvumela ukuba ususe inzuzo emalini engu $2,500 yenzalo ekhokhwa abafundi abafanelekayo, ngisho noma ungafaki imali eseleni. Izinga lokulinganisela emazingeni emali ehholweni aphezulu. Ezinye izinzuzo zemfundo zihlanganisa i Intection Crective [ [inani elinguR1] [R1 500] (ukwehlisa kuR2,500 kumali eboleyimali ebolengiswe umfundi ofanelekayo) kanye noshintsho lwesikhathi sesifundo sokufunda [[FLT][FLD:5] (kunyuke ku $2,000 kuhle ku-$2,000). Ukukhokha nokukhokha okungaphezulu kwemali okungaphezulu kakhulu ngemva konyaka okwenziwe ngemva kwe-2020]

7. Iminikelo Yomhlalaphansi

Iminikelo yama-IRA angokwesiko, ama-IRA (k), ama-SEP IRA, kanye namanye amalungiselelo omhlalaphansi afanelekayo anganciphisa iholo lakho elikhokhelwayo. Ngo-2024, unganikela ngemali engu-R3 000 ku-IRA engokwesiko (R2 000 (R7 000 uma uneminyaka engu-50). Ukungakhokhi kweminikelo ye-IRA (k). Ukungakhokhi kwe-IRA kunciphiswa uma wena noma oshade naye ekhutshelwe izinhlelo zomhlalaphansi emsebenzini neholo lakho kungaphezu kwemingcele ethile. Ngokufanayo, iminikelo ye-ARP Empilo (HA) ihambisana nentela futhi ingaba indlela engcono yokulondoloza izindleko zokwelapha.

8. Izindleko Zokuziphilisa

Uma uzisebenzela, ungasusa izindleko eziningi zebhizinisi, kuhlanganise nemali yomshuwalense wempilo, iminikelo yomhlalaphansi, izindleko zehhovisi lasekhaya, izindleko zemoto (imayela noma izindleko zangempela), izinto ezidingekayo, uhambo, nezinkonzo zobuchwepheshe. Qiniseka ukuba uhlukanise imali yakho siqu neyohwebo. Imali ekhokhelwayo yebhizinisi [[FLT] [i-SMF:1] [iK] (inani elingu-199A) lingasekuvumele ukuba udedele ku-20% yemali yakho efanelekayo yebhizinisi, iholo ohambisana nemingcele. Lentengo ethathwa ngemva kwemali ebekwe i-AGI.

9. Ukunikezwa Kwengane Imali Nokunakekelwa Okuthengwa Ngaso Sonke Isidingo

Nakuba ubuchwepheshe bokuthenga isikweleti kunokuba buncishiswe, i-Child and Defent Care Creat inganciphisa izindleko zakho zentela yemali yekhokha ebhayisense ye-dollar ebhayisekile engaphansi kwe-13 noma abancike kulezo ezingakwazi ukuzinakekela, ikuvumela ukuba usebenze noma ufune umsebenzi. Ngo-2024, ukubolekisa ngemali kungaba ngu-35% yezindleko (zilinganiselwa ku-R3 000 kumuntu oyedwa noma u-R3 000 ngezigidi ezimbili noma ngaphezulu), kanye nezingxenyana zemali eholweni ezilungisiwe.

10. Ezinye Izithunzi Eziphawulekayo

  • Alisimony yakhokhelwa: Isivumelwano sesehlukaniso esikhona ngaphambi konyaka ka-2019 (asisakholeki ezivumelwaneni ezintsha).
  • Ukulahlekelwa nokweba: Kuphela kunciphe uma kuvela kuhulumeni obizwa ngenhlekelele, futhi isilinganiso esingaphezu kwe 10% ye-AGI.
  • Ukulahlekelwa kokugembula: Phunyeka kuphela ngesilinganiso sokuwina ugembu, futhi kumelwe kukhishwe.
  • Iminikelo ye- Ukugcinwa kwe-akhawunti ye-Unit akhawunti (HSA): ingenzeka ngisho noma ungabhali, kuze kube isilinganiso saminyaka yonke.

Imithwalo Yemfanelo Wonke Umkhokhi Wentela Kumelwe Ayifeze

I - IRS ilindele ukuba abakhokhi bentela bathembeke, baphelele futhi bafike ngesikhathi. Ngezansi kunemithwalo yemfanelo ebucayi okumelwe uyifeze.

Londoloza Umlando Onembile

Kumelwe ugcine imibhalo yakho yonke intengo ozifunayo. Lokhu kuhlanganisa ama-lishidi, izitatimende, ama-infoisi, ama-aglock, ama-check akhanselwe, kanye nokubhalwa kweminikelo yezimvume ezinikelayo. Umthetho ovamile ukugcina amarekhodi okungenani iminyaka emithathu ukusuka osukwini owafaka ngalo ukubuya kwakho, nakuba ezinye izimo zidinga isikhathi eside (umz., iminyaka eyisithupha ukubika imali engakholeki kahle). Ngaphandle kwemitapo efanelekile, i-IRS ingalahla izincopho zemali futhi ibeke izijeziso.

Qonda Izimfuneko Zokufaneleka

Akuzona zonke izindleko ezifanelekela. Ngokwesibonelo, izindleko zokuphila komuntu azikho ezikhokhwayo. I-IRS inikeza imithetho ekhethekile .Njengendawo ngayinye enezindleko zokwelapha ezingu-7.5% ye-AGI yezindleko zokwelapha noma i-RS ye-RCP. Hlola noma i-IRS uchwepheshe. Ukungazi komthetho akuyona isivikelo; i-IRS ingahlola inhlawulo nesithakazelo ngokungafanele ngokuthenjiswa okunganembile.

Ukubuya Kwakho Ngesikhathi

Intela ikhokhelwa ngo-April 15 wonyaka olandelayo (ngaphandle kokuba ifike ngempelasonto noma iholide, bese kuthi ngosuku olulandelayo lwebhizinisi). Izithasiselo ziyatholakala (Form 4868) kodwa kuphela zinwebe isikhathi sokubhalisa, hhayi isikhathi sokukhokha. Uma ukweleta intela, kukhokhelwa ngoApril 15 ukuze ugweme inzalo nesijeziso. Ukwehluleka ukubhala ungaba 5% ngehora ngenyanga, ukufinyelela ku-25%.

Buka Zonke Ngokunembile

Kumelwe uhlanganise yonke iholo elivela kunoma imuphi umthombo − W-2, iholo lenkokhelo, iholo lokutshala imali, iholo lokuqasha, futhi ngisho nezindlela zokufuna ukudlula njengenja ehambayo. I-IRS ithola amakhophi amaningi ezincwadi zeholo (W-2, 1099) kanye nokuwela kuzo ngokubuya kwakho. Ukubika ngaphansi komholo kungabangela ukuncintisana, futhi uma i-IRS ithola indlela, ungabhekana nesijeziso sokunganaki noma ukukhwaba.

Hlala Unolwazi Ngokushintsha Komthetho Wentela

Imithetho yentela iyazimela. Ngokwesibonelo, iTshix Cuts and Jobs Act yasusa ukukhulula komuntu siqu futhi yashintsha imingcele eminingi. Umthetho wamuva njengoMthetho we-SECURE 2.0 wathinta imithetho yomnikelo womhlalaphansi. Landela i-IRS i-project [ noma i-accom ephephandabeni lentela ukuze ugweme izinguquko ezingase zithinte izikwele.

Cabanga Ngokusebenza Nochwepheshe Bentela

I-software yokulungisa intela isebenza kahle uma kunezinzuzo ezilula, kodwa uma unesimo esinzima sokusebenza, izimpahla zokuqasha, ukutshala imali, ukuthengisa okuningi kwasekhaya((-CPA) noma i-acending esemthethweni yomphakathi ingasiza. Bangathola izikweleti ongase ulahlekelwe futhi bakugcine uhambisana. Inkokhelo ngokuvamile incishiswa njengentengo eshicilelwe abantu abaqashwe ngemisebenzi yabo (kodwa phawula ukuthi izintengo ezithelwe ngokwenani elikhulu zibekwa ukuze zikhokhelwe ngokomuntu siqu kuze kudlule ngo-2025).

Amasu Okwandisa Iziphuzo Zakho Ngobuhlakani

Ukuhlela intela ngokuhlakanipha kudlulela ngalé kokuhlela izindleko. Nakhu amasu asebenzisekayo:

Gwema Iziphuzo Zakho

Uma izincono ezishicilelwe izinto zakho ziseduze nomnyango ovamile, cabangela "izindleko ezingakhokhwa ngonyaka owodwa. Ngokwesibonelo, yenza iminyaka emibili inzuzo yeminikelo yokusiza abasweleyo noma uhlelo lwezindlela zokwelapha ezihlelwayo ngonyaka olandelayo. Khona - ke thatha izikweleti ezivamile ngonyaka olandelayo. Lendlela ingakusiza ukuba udlulise intengo evamile kuphela eminyakeni lapho uqoqa, ukhuphula imali egciniwe eminyakeni emibili.

Sebenzisa ama-akhawunti wentela

Iminikelo ye HS , ama-IRA angokwesiko, kanye nama-401(k) anciphisa iholo lakho elikhokhelwayo ngokuqondile. Ngisho noma ungafaki imali ebhalisweyo, le akhawunti inikeza intela egciniwe. Ngo-2024, i-HSA isilinganiso somnikelo singu-R2,150 kubantu ngabanye kanye no-R2,300 emikhayeni, futhi uma kungenzeka, lezi zingxenyana zibamba imali engu-R1 000 kulezo 55+. Yandisani uma kungenzeka.

Gcina I - speed

Uma usebenzisa imoto yakho ebhizinisini, ekuboneni, noma emsebenzini wokusiza abasweleyo, i-IRS ibalulekile. Ama-intshi avamile e-mayile angu-2024 yilawa: Ama-mayile angu-61 ngekhilomitha lokusetshenziswa kwezebhizinisi, ama-25% empuza, ama-20% empuzanso, kanye namasenti angu-14 enkonzo yokusiza abaswele. Log usuku, indawo, injongo, kanye nokufunda i-odometer.

Hlola Ukugodla Kwakho Nokulinganisela Kwakho

Izikhungo zithinta isikweleti sakho, kodwa futhi kudingeka uqiniseke ukuthi ukhokha ngokwaneleyo phakathi nonyaka. Sebenzisa intela ukuze ulungise iW-4 noma ukhokhe imali elinganiselwa ka-25 uma uziqesha. Ukukhokha kungaphumela ezijezisweni ngisho noma uthengise izintengo eziningi ezifakiweyo.

Amaphutha Avamile Okumelwe Agwenywe

Ngisho nabakhokhi bentela ababoshelwe kahle bangawenza amaphutha. Gwema lezingibe:

  • Izikweleti ze-compare ongafaneleki ukuze uzisebenzise: Ngokwesibonelo, i-ofisi yasekhaya idinga ukusetshenziswa njalo kanye nokusetshenziswa kuphela kwegumbi elisele elisetshenziswa ngezikhathi ezithile alifaneleki.
  • [ Ukukhohlwa ukuhlanganisa iholo: Ngisho nenani elincane emisebenzini esecaleni kumelwe libikwe. I-IRS ingabona okungahambelani.
  • [[UMTL:0] Ukuvala amaphutha noma ukulahleka kwemibhalo: I-IRS ingacela ubufakazi; ngaphandle kwayo, izincopho zingangavumelekile.
  • ungaqhathanisi ama-v ajwayelekile. ifushanisiwe: Abanye abakhokhi bentela bafaka izinto ngokuzenzekelayo ngaphandle kokuhlola ukuthi i-checket ejwayelekile iphakeme yini. Sebenzisa izinombolo zombili izindlela.
  • Imiphumela yentela yezwe ekhokhwayo: Ezinye izifundazwe zivumela izikweli ezingekho emthethweni kahulumeni, noma ezingekho. Hlola imithetho yentela kahulumeni wakho.

Isiphetho

Intela iwumsebenzi onamandla wokunciphisa umthwalo wakho wentela, kodwa ihambisana nomthwalo wokubika ngokunembile nokugcina amarekhodi akhuthele. Ngokuqonda umehluko phakathi kwenani elivamile lokuthengwa nokuhlelwa kwezinto, ukwazi izikweleti ezikhona, nokuhlala uhleliwe, unganciphisa intela yakho ngokusemthethweni uma uhlala ngasohlangothini olufanele lomthetho. Imithetho yentela iyashintsha njalo, ngakho thintana nemithombo ye-IRS noma uchwepheshe oqeqeqedkile ngonyaka. Ukuthatha isikhathi sokuhlela izikweleti zakho namuhla kungaholela ekulondolozweni okubalulekile kwemali egciniwe ngesikhathi esigciniwe.