Ukuqonda ukuncishiswa kwentela nokukweletwa kwemali kungezinye zezindlela ezinamandla kakhulu zokunciphisa isikweleti sentela saminyaka yonke. Nakuba bobabili benganciphisa imali onayo nge-IRS, basebenza ngezindlela ezihlukene ngokuyisisekelo futhi baphethe imithetho ehlukene. Ukukwazi lokhu kungafani kukuvumela ukuba wenze izinqumo zolwazi phakathi nonyaka, hhayi nje phakathi nenkathi yokuhlela. Lesiqondiso sinikeza ukuhlola okubanzi ngezikweletu nezikweletu, kuhlanganise nezilinganiso zamuva zonyaka wentela, izinguquko zemithetho yamuva, kanye namasu asebenzayo ukuze ukhulise imali oyigcine.

Yini Engenziwa Intela?

Intela encishisiwe inciphisa iholo lakho elikhokhelwayo, -- isilinganiso semali oyikhokhayo. Ngokunciphisa intela oyikhokhayo, ungena ebhukwini eliphansi lentela noma unciphise ingxenye ekhokhwa ngesilinganiso esiphakeme. Izintela zivela ngezindlela ezintathu eziyinhloko: ukuthengwa okuvamile, izikweleti ezithelweyo, izikweli ezithengisiwe, nangaphezulu kwemali ekhokhwayo.

Ukuhlaziywa Okuvamile

Intethelelo evamile iyimali eyisicaba i-IRS ekuvumela ukuba uyisuse emholweni wakho ngaphandle kokudinga ukuhlanganisa noma iziphi izindleko eziqondile. Ngonyaka wentela ka-2024, izilinganiso ezivamile yile:

  • izilawuli zamafayela ezizimele: $14,600 [R160]
  • Iqoqo elihlangeneyo:[[[FLT] R2,200]
  • Iziphephelo zendlu:[ U-R2,900
  • Ukuhlelwa ngokwehlukana:[ U-R2,600]
  • Izikweleti ezisemthethweni zeminyaka engu-65 noma ngaphezulu noma ngaphezulu noma izimpumputhe: [R150] ku-oyedwa/inhloko yekhaya; u-R250 kumafayela ashadile (umngane womshado ofanele).

Kodwa uma izindleko zakho ezifanele zidlula kude kulelo elivamile, ukuthenga izinto ezizosetshenziswa kungase kukhiqize imali eningi.

Iziphuzo Eziyimijovo

Ukwenza izindleko kudinga ukuhlelwa kwezindleko ezifanele Schepula A (FORM 1040). Izikweleti ezivamile zezinto zihlanganisa:

  • Izindleko zokwelapha namazinyo: Zingatholakala kuphela ngezinga ezidlula ngalo 7.5% yemali yakho elungisiwe (AGI). Ngakho, kumelwe ube nezindleko ezinkulu zezokwelapha ukuze uzuze.
  • Isiko nezintela zendawo (SALT): Ungakhipha iholo noma intela yokuthengisa (kodwa hhayi zombili) nentela yempahla, igawulwe ngengqikithi ehlangene yeR150 (R350) uma ishadile ngokwehlukana).
  • [ Inzalo yemali: Isithakazelo sokufinyelela ku-R350 000 kubantu abafanelekela isikweleti sokubolekisa ngesikweletu sokuhlala (R375 000) uma beshadile bebolekile) ukuboleka imali eyathathwa ngemva kukaDecember 15, 2017.
  • Iminikelo: Iminikelo ezinhlanganweni ezifanelekayo. Iminikelo yemali ayinakudlula ku-60% ye-AGI yakho, nakuba eminye imingcele isebenza eziphweni ezingezona eze-cash.
  • Ukulahlekelwa nokweba: Kuphela kungcono uma kubangelwa inhlekelele emenyezelwa uhulumeni, futhi ngokwezinga lokulahlekelwa kudlula i 10% ye-AGI yakho.

Ukuziphilisa kuwufanele umzamo lapho ingqikithi yezindleko zakho zidlula izikweletu zakho ezivamile.

Izithunzi ezingaphezulu-ku-imigqa (Ama - Adjustments azongena)

Kukhishwe izincono ezingaphezulu-ku-mugqa emalini yakho ukuze ufike e-AGI yakho. Zikhona kungakhathaliseki ukuthi ufaka noma uthatha izincopho ezivamile. Isihluthulelo ngenhla kwe-oyile--layini sihlanganisa:

  • [ Izindleko zokufundisa:[ Kufinyelela ku $300 (R160 uma bobabili abangane bomshado bengabafundisi) ukuze bathole ukudla kwekilasi.
  • Inzalo yokuboleka imali yabafundi:[ Inzalo ekhokha imali ebolekiswayo yomfundi ofanelekayo, engaphansi kwemali elinganiselwe.
  • Iminikelo yokulondoloza imali ye-akhawunti ye-(HSA): Ifinyelele kumlinganiselo waminyaka yonke (R1,50) ukuze ikhokhelwe, R120,300 ekuhlanganiseni umkhaya ngo-2024, i-R1 000 ebambe labo abangu-55+.
  • Iminikelo ye-ITUR: Ejwayelekile IRA inikela ngamaRandi angu-3 500 (R3,000 uma uneminyaka engu-50+), idla ngokuyeka uma wena noma oshade naye ninesu lomhlalaphansi emsebenzini.
  • [[UMTL:0] Intela yokusebenza ngokuziphakamisa:[ Ingxenye yentela yokuzisebenzela (ingxenye elinganayo yomqashi).

Lezi zikweleti ziyigugu ngokukhethekile ngoba zinciphisa i - AGI yakho, okungathinta nokunenzuzo kwezinye izikweleti zentela nezikweleti.

Ziyini Izipho Zentela?

Izikweleti zentela zinikeza intela encishisiwe yemali ekhokhwayo. Uma ukweleta u-R1 000 entela futhi uboleka imali engu-R1 000, imali yakho yehla ibe ngu-R2 000. Izikweleti ngokuvamile ziyigugu kakhulu kunenani elifanayo lentela ngoba ukuthengwa kukwenza ugcine imali yakho yentela elingana nenani lemali elingaphansi. Amasheya awela ezigabani ezimbili: angakwazi ukukhokhwa futhi angancishisi.

Izimali Zentela Ezingakhokhwa

Izikweleti ezingakhokhwa zinganciphisa intela yakho ibe yizero, kodwa noma isiphi isikweleti eseqile silahleka. Asikwazi ukuveza i-refrend. Izibonelo zihlanganisa:

  • Imali yokuthenga i-Drents ne-Idensent Care Creares: Ukuboleka izindleko ezikhokhwa ukunakekelwa kwengane engaphansi kweminyaka engu-13 noma encike ekungakwazini ukuzinakekela, ukuze uvunyelwe ukusebenza noma ukufuna umsebenzi. Imali enele ifinyelela ku-R1,050 kumuntu ofanelekela umuntu kanye noR2,100 ngezindleko ezimbili noma ngaphezulu, kanye nezindleko zemali encishisiwe nenzuzo esekelwe ekhonweni.
  • [[FLT: 0] Ithuba Lokufunda Imali: Ngenkokhelo ekhokhelwayo nenkokhelo efanelekile, ekhona iminyaka eminingi. Imali ayiboleki.
  • Ukubongwa kokulondolozwa kweminikelo Imali yokuthenga iminikelo:[[FLT's Crresa's)] Ukuboleka kweminikelo kuma-akhawunti omhlalaphansi (njenge-IR, 401(k), njll.) ngenkokhelo ephansi kuya kweyokukhokhelwa ngokusesilinganisweni. Ukukweleta kusuka ku 10% kuya ku-50% weminikelo, kunyukela ku-R1,000 kumuntu ngamunye.
  • [ Inkokhelo yentela yasebukweni: Ivumela abakhokhi bentela e-U.S. ukuba bathathe intela yeholo elidayiswa kwamanye amazwe ngentela yeholo elikhokhwa kwamanye amazwe.

Intela Encomekayo

Izikweletu ezincomekayo zinamandla kakhulu ngoba uma ukukhokha imali kudlula intela onecala lakho, i-IRS ikuthumela umehluko njenge-refrest. Ngisho noma ungenayo intela, ungathola imali ephelele yokuthenga ngesikweletu. Imali encomeka kakhulu encomekayo yile:

  • Imali ehlawulwayo yokukhokha intela (ETC): Iklanyelwe izisebenzi eziphansi kuya kwezingangeni ezifanele. Ngo-2024, izilinganiso ezinkulu zokuthenga ngesikweleti zisukela ku-R632 (ezingenazo izingane) kuya ku-R27,830 (izingane ezintathu noma ngaphezulu), nesilinganiso semali edonswayo cishe u-R1,59,59 kuya ku-R49,899 kuxhomeke esilinganisweni nakumanani ezingane.
  • Intengo yeTaxi yabantwana Abangakhokhi (engalinganiswanga): Ingxenye engabhaliwe ingu $2 000 (R1,000) kumntwana ofanelekayo, efinyelela ku-R1,80 000 ephindeka njenge-Extension Treasurer of Child Treaxis (ActC) ngo-2024. Izingeno ezikhona ze-sethi eziqala ngo-R240 000 (R1 000 000 000) emishadweni eshadile.
  • American Opportunity Tax Creding (AOTC): Kufinyelela kuR2,500 kumfundi ofanelekayo eminyakeni emine yokuqala yemfundo ephakeme. 40% yemali yokuboleka (unyukela kuR1,000) iyabuyiselwa.

Ezinye Izindawo Eziphawulekayo

I-Infladion Reduction Act yandisa izikweleti eziningi ezihlobene namandla ngo-2032. [I-Resiliteus Energy Energy Crest ihlanganisa izindleko ezingu-30% zezingalo zemibhoshongo yelanga, i-turbines, i-injini yomoya, izimpompo zokufudumala komoya, kanye nezifakelo zebhethri, ezingenayo ikethinki. [FLT:] [FLT]] [EFFT] Effective Extient Home Incomper [[FFFFT:3]] inikeza inzuzo engcono engathi ngu-RGOURRD [200] ngonyaka ukuze ifaneleke njenge-inficed, amafasitela, neminyango. Lokhu kungenayo.

Umehluko Oyinhloko Phakathi Kweziphuzo Nezikweletu

Ukuqonda umehluko kubaluleke kakhulu ekuhleleni intela. Izimemo zinciphisa iholo okubhaliswa ngalo intela; izikweletu zinciphisa intela ngokwayo. Nakhu ukuqhathanisa okuningiliziwe:

  • Imiphumela ebuyiselwe: Intethelelo inganciphisa iholo lakho elikhokhayo ngokwanele ukukubeka ebhuleni eliphansi, kodwa isikweleti esingabuyiseka singabangela ngokuqondile i-freefoundation engaphezulu kwengqikithi yentela ekhokhwayo.
  • Inzuzo ephakathi: Inani lentengo lixhomeke ezingeni lakho lentela yephepha. Kumkhokhi wentela okwisikwele se 22%, intengo engu-R1000 yonga u-R220. Imali yokukhokha i-R1000 ilondoloza u-R120.
  • Izinga lokuthola imali: Kokubili izikweleti nezikweletu ngokuvamile zinesilinganiso semali eholwayo, kodwa izikweleti zingaba nonya kakhulu. Ngokwesibonelo, i-Child Taxis Cresar iqala ukudlula ku-MaGI (R1 500 000 000) ye-MAGI (ingxenye ye-$40,000), kanti inzalo yabafundi iqala ukuncishiswa ku-R35 000 000).
  • Ukulandelana:[ Ukutheliswa kwenani kudinga ukucophelela kokucophelela futhi ngokuvamile ukuqhathanisa nenani elivamile. Izikweleti eziningi zidinga ukugcwalisa amafomu ahlukene (umz., Ifomu engu-8863 ekukhokheleni imfundo, Hlelo 5695 ukuze kubhajeliswe amandla).

Indlela Yokuthi Imfundo Nezikweletu

Ukukhokha imali ekhokhwayo kuhilela okungaphezu kokwazi nje ukuthi zikhona.

Isinyathelo 1: Butha Umnikeli

Phakathi nawo wonke unyaka, gcina amarekhodi ahleliwe ezindleko ezingase zifaneleke.

  • Ama - table okuvakashela kwezokwelapha, iziqondiso zokwelashwa, nezindleko zomshuwalense wezempilo (uma kungewona amantela angaphambi kwekhofi).
  • Izitatimende ze-Tution (Form 1098-T) nezitatiswo zemali yokufundisa ezibolekwayo (Form 1098-E).
  • Izinkulumo zesithakazelo ezingenayo (Form 1098).
  • Kudingeka amarisidi okunikela (ayimali engenisa imali engaphezu kuka - R250, abhalwe ngesikhathi esisodwa).
  • Amapheshana entela kahulumeni neyendawo akhokhelwa.
  • Ukuze kuthengwe abakhiqizi bamandla, abakhiqizi bafaka izincwadi namarisidi omkhiqizo.

Isinyathelo sesi-2: Thola ukuthi ungathoboza yini

Lungisa inani elinzima lezithembu zakho ezingase zibekwe. Uma ingqikithi idlula izincopho zakho ezivamile, ukuhlelwa kwemininingwane kuyafaneleka. Sebenzisa i-IRS Expactive Monitor Transplace Office [ noma i-software yentela efana nazo zombili.

Isinyathelo 3: Helisa Izinhlobo Ezidingekayo

Izikweleti eziningi nezikweletu kukhishwe ku Form 1040 kanye nezimiso zayo ezisebenzayo. Izinguqulo eziyinhloko zihlanganisa:

  • I-checure A: ithengiso elithenjiwe (ekwelaphayo, intela, inzalo, izipho, isisulu).
  • [[UMTH:0] IForm 8863: Imfundo incopho (AOTC ne-LLC).
  • [[UMTH:0] IForm 2441:[[Umthetho:1] Ingane nokwehla kwemali.
  • [ I-EIC: Imali ehliswe intela.
  • [[UMTH:0] IForm 5695:[ Imali yokukweleta amandla.

I-software yentela izokuqondisa ngaphana kwazo. Uma ufaka ifayela ephepheni, hlola kabili iziyalezo zefomu ngalinye ukuze ugweme amaphutha.

Amaphutha Avamile Okumelwe Agwenywe

Abakhokhi bentela bavame ukulahlekelwa imali noma bacele i - IRS ukuba ihlole amaphutha alula.

  • [[Umthetho:0] Ukunika inzuzo yomgcini: Izisebenzi eziningi eziholayo eziphansi nezisesilinganisweni ezinikela ekuhleleni umhlala-phansi azinandaba nalemali yokuthenga. Ungabuyisela imali ekhukhwini lakho ngisho noma ungenayo intela.
  • [[UMTH: 0] Ukukhomba izincopho ezingafanele ezifanele: Uma uneminyaka engu-65 noma ngaphezulu noma umpumputhe, uyakufanelekela ukuthola enye imali encishisiwe ejwayelekile. Uhluleka ukuyikhipha eshadini.
  • Awuzilungisi: Uma uthola imali enkulu unyaka ngamunye, unika uhulumeni imali ebolekwayo engenanzalo. Lungisa W-4 yakho ukuze wandise ukugeleza kwemali. Ngokuphambene, isilinganiselo esikhulu esifuneka singabangela izijeziso ezingaphansi.
  • [ Ukuzuza izindleko zemfundo: Ngisho noma ungalitholi i-1098-T, ungasafanelekela i-AOTC noma i-LLC. Gcina ama-ligister ezincwadi ezihlobene nezifundo kanye nezinto ezizosetshenziswa.
  • Ukubheka izikweleti zamandla: Abanikazi abaningi bamakhaya bathi iResidential Cec Energy Cree Crest Creatence ngonyaka abafaka ngawo amathuluzi afanelekile. Imithetho yokuhamba phambili ivumela ukuba izikweleti ezingasetshenziswanga zisetshenziswe eminyakeni ezayo.

Umthetho Wamuva Wentela Oshintshayo Othinta Ukuphanga Kwamahhashi 2024

Izingxenyana eziningana zomthetho ziye zalungisa kabusha izikweleti nezikweletu. Ukuqonda lezinguquko kukusiza ukuba uhlele ngokuphumelelayo.

Umthetho Ka - 2017 Wokukhokha Intela Nemisebenzi

I-TCJA yacishe yaphinda kabili inani elivamile le-SALT elithelweyo ku-R150. Yaqeda nokungakhululi kwabantu. La malungiselelo ahlelwa ukuba aphele ngemva kuka-2025 ngaphandle kokuba akhuliswe yi-Congress. Ngo-2024, imithetho ye-TCJA isasebenza, okusho ukuthi abakhokhi abaningi bamakhaya bakuthola kuzuzisa ukuthatha i-asethi elinganiselwe kunokuba babhale izinto ezithile.

I - American Rovement Act (ARPA) NoMthetho Wokuncishiswa Kwemali (IRA)

U-ARPA wandisa i-Child Taxis Credit ngesikhashana kuya ku-R3,600 kumntwana ongaphansi kweminyaka engu-6 nangu-3 000 kumntwana ngamunye oneminyaka engu-6-17, futhi wayenza yakwazi ukuphinde iboleliswa ngokugcwele ngo-2021. Ngo-2024, ukubolekisa kwaphinde kwabuyiselwa ku-R2 000 kumntwana ngamunye ngengxenye ekhokhelwayo. Nokho, kunengxoxo eqhubekayo yemithetho yokubuyisela isikweletu esikhudlwana. IRA yanweba futhi yandisa izikweleti eziningi zamandla ngo-30% kuya ku-2032, yenza ikhaya libe nenzuzo eyengeziwe.

Isenzo Sokuphepha 2.0

Kusukela ngo-2024, i-Covired 2.0 ivumela ukuhoxa okungakhokhwa okungu-R1 000 kuma-akhawunti omhlalaphansi ezindleko eziphuthumayo (ngokubhekisele ekukhokheleni imithetho). Futhi kwandisa i-Creding'ss ngokufaka umnikelo ofanayo wokulondoloza imali ehhhayibhili (efezwe ngo 2027) futhi kuvumela iminikelo engaphezulu engu-401 yalabo abathola imali engaphezu kuka-R15,000 ukuba yenziwe. Lezinguquko zingathinta izinhlelo zomnikelo zemali yomhlalaphansi kanye nezikweleti zentela ezihlobene nayo.

Amasu Okunciphisa Ukulondolozwa Kwenu Intela

Ukuhlela ngokuzikhandla kungakhulisa izinzuzo zezikweletu nezikweletu. Nakhu amasu asebenzayo:

  • Imali eshicilelwe ebhajweyo: Uma izindleko zakho ezibonakalayo zishintshashintsha, cabangela ukulinganisela ukudlula isilinganiso esivamile semali eshintshwayo eminyakeni eshintshanayo. Ngokwesibonelo, yenza iminyaka emibili yeminikelo yokusiza abasweleyo ngonyaka owodwa, noma uhlelo lwezinhlelo zokwelapha ezikhethwe ngonyaka owodwa.
  • khulisa ngenhla kwezincopho zomugqa: Umnikelo kwi-IRA engokwesiko, HSA, noma i-akhawunti yemali evumelanayo yempilo (FSA). Lokhu kunciphisa i-AGI futhi kungandisa ukukholeka okunjenge-EITC.
  • [[ITL:0] Sebenzisa i-EITC ne-Dill Creasure courve kunye: Uma unengane efanelekayo futhi uhola imali ngaphansi komnyango, ungafaka zombili izikweletu. I-EITC ibolekwa ngokugcwele, futhi i-Creasure inkokhelo enkulu engancishiwe inikeza inzuzo enkulu kanye nengxenye engahlawuleki.
  • Cwangcisa ukuguqulwa kweRT ngokucophelela: Ukuguqula i-IRA yendabuko ibe i-Rth IRA yandisa i-AGI, okungase kukukhiphele ngaphandle kwezikweletu noma izikweleti. Ukuguqulwa kwesikhathi eminyakeni ephansi ekhona.
  • [[NT.:0] Imali yezindleko zemfundo ngonyaka ofanayo wentela: Ukukhokha nokukhokha imali ngonyaka wekhalenda uhlela ukubiza i-AOTC ukuze wandise ingxenye ebhaliwe. Khumbula i-AOTC ingakhokhwa iminyaka emine kuphela kumfundi.
  • Izikweleti zamandla kagesi ziseqophelweni elisheshayo: Uma uhlela ukufaka amapane e- solar collect noma ezinye intuthuko ezifanele, yenza kanjalo ngaphambi konyaka ukuze uvale i-30%. Qaphela ukuthi ukukweleta kunciphisa kwaba 26% ezimisweni ezibekwe enkonzweni ngo-2033.

Lapho Kufanele Sithintane Nochwepheshe Bentela

Nakuba abakhokhi bentela abaningi bengasingatha izinxephezelo eziqondile, ubunzima obungavela emalini eholweni yebhizinisi, ekungeniseni izimali, emafashonini amaningi kahulumeni, noma ekuboleni izikweletu eziningi. Uma usebenza, unempahla yokuqasha, noma ufanele ukuboleka njenge-EITC (okunezimfuneko eziqinile), umbhali wamanani emali kahulumeni osemthethweni noma obhalisiwe angavimbela amaphutha abizayo. I-IRS inikeza futhi mahhala VITA nezinhlelo ze-TCE[ ukuthola imali ephansi, noma ukukhokha abakhokheli bentela abakhubazekile.

Isiphetho

Izikweleti zentela nezikweleti zingamathuluzi anamandla anganciphisa kakhulu intela ehholo likahulumeni. Izikhungo zinciphisa intela oyikhokhayo futhi zikuzuzise ngesilinganiso sakho sokwehlisa intela, ngokuvamile ngenani elinciphileyo elingabangela ukukhuphuka kwentela. Ngokuqonda izinhlobo ezikhona − ezilinganisweyo, ezingalinganiswayo, nezingakhokhwa kahle, ungandisa imali yakho. Ungahlala waziwa ngenguquko zaminyaka yonke zokuhlanganisa nokuhlela, futhi ucabangele amasu okuthi amasu akhona afana nokuhlanganisa noma ukukhipha iminikelo. Nakuba lesi siqondiso sinikeza ukucubunga okuphelele, isimo sakho esiqondile singagunyaziwe. Sebenzisa izimpahla ezisemthethweni [[FF:] [F: 0]