Ukuqonda Izikhungo Zentela

Inkathi yentela ingazizwa ikhungathekile, kodwa ukuqapha intela encitshisiwe kungenye yezindlela eziphumelela kakhulu zokunciphisa intela yakho futhi yandise intela yakho. Lendlela inciphisa iholo lakho elikhokhelwayo, isho ukuthi ukhokha intela kuphela ngezindleko ezisasele ngemva kokususa izindleko ezivunyelwe. I-International Revenue Service (IRS) inikeza amathuba amaningi okunciphisa intela yakho, kusukela ekunciphiseni okuvamile kokubhala okuyinkimbinkimbi. Lesiqondiso sikuhambisa kuyo yonke imitapo ephambili, ukuthi ungayikhipha kanjani ngokufanelekile, futhi ungenza kanjani ngokufanelekile ukuqinisekisa ukuba ushiye imali etafuleni.

Yini Engenziwa Intela?

Intela encishisiwe iyizindleko i-IRS ekuvumeleni ukuba ususe emholweni wakho ofanele ukukhokha intela. Ngokwesibonelo, uma uhola u-R160 000 futhi ufanelekela imali encishisiwe, uyokhokha intela kuphela ngo-R1,50. Imali ephansi oyikhokhayo, intela encane kakhulu. Ukukhokha ihlukile ezikweletini zentela, ezinciphisa imali yakho yokukhokha intela ngemali ewuniwe. Noma kunjalo, izikweleti zingathinta kakhulu intela yakho.

Kunezinhlobo ezintathu ezibanzi zezikweleti zentela:

  • Izikweleti ezingafanele[ - isilinganiso esiyisicaba esibekwe yi-IRS esekelwe esimweni sakho sokuhlela.
  • unike izikweleti ezithengisiwe – izindleko eziqondile oziqopha eShedynal A, njengenzalo yendlu, izindleko zezokwelapha, kanye nezipho ezipha abaswele.
  • ngalé komngcele izikweleti [ - ushintsho emholweni ongawufaka ngisho noma uthatha intengo ejwayelekile. Lokhu kuhlanganisa iminikelo kuma-IRA angokwesiko, inzalo yomfundi, ne-akhawunti yokulondoloza imali (HSA).

Ukuhlinza okuvamile v. Ukufaka: Iyiphi engcono?

Umkhokhi wentela ngamunye angakhetha phakathi kokuthatha izikweleti ezivamile noma ukuhlela izinto ezizoncishiswe. Ukukhetha okulungile kuxhomeke ekutheni iyiphi indlela ekunika ingqikithi.

Izinga Elivamile Lokukhipha Isikhumba Ngo - 2024 No - 2025

I-IRS ilungisa isilinganiso esivamile sokwehla kwamandla emali unyaka ngamunye. Ngonyaka wentela ka-2024 (unyuswa ekuqaleni kuka-2025), i-intshi evamile yile:

  • U - R1 600 kubaxoshi bamafayela ababodwa
  • U - R220 ngemibhangqwana eshadile ehlangene ndawonye
  • Ama - dollar angu - 1 900 (R1 800) ezinhloko zemikhaya

Ngonyaka wentela ka - 2025 (ukubuya kwentela okubekwe ekuqaleni kuka - 2026), isilinganiso sinyukela ku - R250 000 (ilungu elilodwa), kanye no - R2 500 (inhloko yendlu). Uma ingqikithi yezindleko zakho ezikhokhelwayo ingaphansi kwentengo evamile, ukuthatha isilinganiso esivamile silula futhi sizuzisa kakhulu.

Lapho Ukuzifaka Kukhokhela

Ukusebenzisa imali kudinga amaphepha engeziwe uma izindleko zakho ezingasetshenziswa kudlula kude nezinga elivamile.

  • Inzalo yemali yokuthenga imali eningi ekhaya
  • Izindleko eziphawulekayo zokwelapha noma zamazinyo
  • Iminikelo emikhulu yokupha
  • Intela ephakeme nentela yendawo (SALT), ingaphansi kwekepisi engu - R1 000

Ungasebenzisa [[UMTL:0] IMIFANEKISO 1040 Uhlelo A [[Umthetho:1] ukuze ubhale. Gcina wonke amaphepha asekelayo uma kwenzeka kukuhlolwa.

Ukuchazwa Kwezithunzi Eziyinhloko

Isithakazelo Esibi

Abanikazi bamakhaya bangasusa inzalo ekhokhwayo ezindlini zokubolekisa izikweleti ezisetshenziselwa ukuthenga, ukwakha, noma ukuthuthukisa indawo yokuhlala eyisisekelo noma engaphezulu. Ukuncishiswa kwemali kusebenza esikweletini sokuqala sendlu (noma $750 000) semali yokwenzelwa ifaksi (noma $375 000) uma ishadile ingena ngokuhlukana). Amaphuzu akhokhelwa ukwehlisa inzalo ayancishiswa, ngokuvamile asakazeka ngokuphila kwemali eboletwayo. Inzalo yokukhokhwama impahla inakekelwa ngokwehlukile futhi athengwa ngeShedyuli E.

Izindleko Zezokwelapha Nezezinzwa

Ungazisusa izindleko zezokwelapha ezingakhokhelwanga ezidlula i 7.5% yemali yakho elungisiwe (AGI). Izindleko zokulinganisela zihlanganisa ukuhambela odokotela, ukuhlala ezibhedlela, amaphilisi, amazinyo, ukunakekelwa kwamehlo, ngisho nebanga lekhilomitha lokuhamba. Ngokwesibonelo, uma i-AGI yakho ingu-R250 000, unganciphisa izindleko ezingaphezu kuka-R3,50.

Umbuso Nentela Yendawo (ISIKHATHI)

Ungadedela intela kahulumeni neholo lendawo, noma intela yombuso neyomphakathi (kodwa hhayi yomibili), kanye nentela yendawo. Ingqikithi yentela yezwe neyomhlaba ikhokhelwa ngemali engu - R5 000 ngonyaka. Lesi sikhwama sisebenza kokubili emalini eholweni nasemfuzweni ehlangene. Uma uhlala ezweni elingenayo intela, ukukhokhisa intela yezentengo yezwe neyomhlaba kungazuzisa.

Iminikelo Yokunikela Ngezimali

Iminikelo ku-501(c) (3) ayikho nzuzo. Ungasusa iminikelo yemali, impahla, ngisho nezindleko zemali ezibalekayo eziye zanikelwa ngesikhathi sokusebenza ngokuzithandela. Iminikelo yaminyaka yonke, irekhodi lebhange noma imvume ebhaliwe evela kuleyo minikelo idingeka. Iminikelo yosizo olungaphezu kuka-R1,2024 idinga iHholo lamaR1, ungayeki ukunikela ngeminikelo yokusiza abasweleyo ngaphandle kokuba unikele ngemali. Isilinganiso saminyaka yonke singu-60% weminikelo ye-AGI yemali yakho, nakuba iminikelo ethile ye-AGI ye-A-A-A izizumbulu zemali ilinganiselwe ephansi.

Ukulahlekelwa Ukudla Nokweba

Ukulahlekelwa yizinhlekelele ezishiwo uhulumeni kungasuswa uma zidlula i-AGI ye-10% ye-AGI yakho ngemva kokwehliswa kuka-R100 ngesenzakalo ngasinye. Lokhu kuncishiswa kutholakala kuphela uma ufaka inombolo yemali, futhi kudinga isiqinisekiso esiphelele (amaphoto, imibiko yamaphoyisa, imishwana yomshuwalense).

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

Izikweleti ezingaphezulu komgca ziyigugu kakhulu ngoba zinciphisa i-AGI yakho ngokuqondile, futhi ungazisho ngisho noma uthatha i-agi encishisiwe ejwayelekile. I-AGI ephansi ingandisa futhi ukufaneleka kwezinye izikweleti kanye nezikweletu. Isihluthulelo ngenhla kwezikweleti zomgca zihlanganisa:

  • [[UMTL:0] Iminikelo ye-IRA ye-FLT [ – kufinyelela ku-R224 (R2,50 noma ngaphezulu), ingaphansi kwesilinganiso seholo.
  • [ Imali e-Health Savings Akhawunti (HSA) iminikelo – kunyukela ku-$4,150 kubantu ngabanye, u-R2,300 emikhayeni ngo-2024, ibambe i-R1 000 eyengeziwe kulezo +.
  • Inzalo yokuboleka imali [ – kunyukela kuR2,500, ebekwe emholweni ophezulu.
  • [[UMTL:0] Intela yokukhokha intela yokuzisebenzela [ - ungasusa ingxenye yentela yakho yokuzisebenzela.
  • [ Imali yomshuwalense wempilo osebenzayo ye-oknometis – wasuswa ngokuqondile.
  • [ Izindleko zezemfundo [ – kuya kuR350 kuthisha abathenga izinto zasekilasini.
  • Alimony ikhokhelwe – ngezehlukaniso ezigcinelwe ngaphambi ko-2019.

Amabhizinisi Neziphakamiso Zokuzisebenzela

Uma ungumqaphi wenkululeko, umakhi ozimele, noma umnini-mabhizinisi omncane, izindleko eziningi zebhizinisi ezivamile nezidingekile azikho. Lezi zikweli zibikwa kuShedyuli C (okanye abaxhasi abaphezulu) noma ezikhokhelweni zenkokheni/ kwenkampani. Izikweli zebhizinisi ezivamile zihlanganisa:

  • Izikweleti zehhovisi lasekhaya – indawo enikezelwe esetshenziselwa ibhizinisi njalo futhi kuphela. Ungasebenzisa indlela eyenziwe lula (R1,50 ku-skwele, amamitha-skwele angu-350) noma indlela evamile esekelwe ezindlekweni zangempela.
  • Izindleko zeVehicle – izinga elivamile lemayile (amasenti angu-66 ngekhilomitha ngo-2024) noma izindleko zangempela njengegesi, ukulungisa, nomshuwalense. Kumelwe ulandele ama-vs. ukusetshenziswa komuntu siqu.
  • [[UMTL:0] Izintambo kanye nemishini [ - izinto ezisetshenziswa ebhizinisini, kuhlanganise ne-software, izinhlelo zamahhovisi, namathuluzi. Ukuthenga okukhulu kungadinga ukususwa noma kukhokhelwe ngaphansi kwengxenye 179.
  • Travel kanye nokudla - uhambo lwebhizinisi (ifeyila, ihhotela, 50% yokudla) alimi. Isidlo namakhasimende noma lapho uhamba ngebhizinisi sifaneleka eneminyaka engu-50%.
  • [ Izinkonzo zomsebenzi [ – intela yababali-mali, abameli, nabameli ehlobene ngokuqondile nebhizinisi lakho.
  • Ukudayisa nokuthengisa - webhsayithi engenisa, izikhangiso zezokuxhumana, amakhadi ebhizinisi, kanye nezinto zokuphakamisa.
  • [[[UMTL:0] Imali ekhokhwayo [ – isikweleti, iphazamiso sebhizinisi, nomshuwalense wempilo wenu nezisebenzi.

Abantu abazisebenzelayo kufanele bakhumbule futhi iZici zabo ezizihambelayo zeTaxix Center ukuze bathole isiqondiso esengeziwe. Inkokhelo yentela elinganiselwayo ivame ukudingeka ukuze kugwenywe izijeziso.

Amasu Okuthuthukisa Izithako Zakho

Ukuhlela ngokuzikhandla unyaka wonke kungandisa kakhulu izindleko ozifunayo. Nakhu amasu aqinisekisiwe:

Iziphuzo Eziwumgodi

Uma izikweleti zakho ezithengisiwe zingaphansi nje kwenani elivamile, zama “ukukhokha” izindleko zokwelapha noma iminikelo yokusiza abaswele unyaka owodwa. Ngokwesibonelo, yenzani iminikelo yokusiza abaswele iminyaka emibili ngonyaka owodwa wentela, khona - ke thatha isilinganiso esivamile sonyaka ozayo. Lelisu lisebenza kangcono uma nishintshana ngokuhlela nokubiza intengo evamile njalo ngonyaka.

Iminikelo Yomhlalaphansi Othé Xaxa

Inezela ekwakheni i-IRA engokwesiko, 401(k), i-SEP IRA, noma i-SIMPRE inciphisa iholo lakho lamanje elikhokhelwayo. Uma unikela kakhulu (kwenye imingcele engokomthetho), intela yakho ephansi kakhulu. Ngo-2024, izisebenzi zingadedela imali engu-R2 000 kuya ku-401(k), kanye nenye futhi i-R2,50 uma ineminyaka engu-50 noma ngaphezulu. Abantu abasebenzayo bona ngokwabo banganikela ngisho nangaphezulu ngokusebenzisa i-SEP IRA.

Sebenzisa I - akhawunti Yokusindisa Impilo (HSA)

Uma unecebo elingcono lezempilo, i-HSA inikeza intela engcono kathathu: iminikelo ikhokhelwa intela, iholo likhula ngaphandle kwentela, futhi izindleko zezokwelapha ezifanelekayo azikho intela. Lokhu kungenye yamathuluzi okukhokha intela anamandla kakhulu akhona.

Gcina I - speed

Kudingeka umboniso we-IRS ovunyelwe webhizinisi noma wezokwelapha. Ubhale usuku, indawo, injongo, namakhilomitha ahamba ngayo. Amamaki angalula ukulandelela. Isilinganiso esivamile samamayela angu-2024 singamasenti angu-61 ngebhizinisi, amasenti angu-20 (ama-25) okuhamba kwezokwelapha (ezempini ekhuthele), kanye namasenti angu-14 emisebenzi yokusiza abaswele.

Zinikeni Izinzuzo Eziziswayo

Kunokunikela ngamasheya, imali, noma indawo ekhuliswe inani. Uthola intethelelo yenani lentengo elungile futhi ugweme ukukhokha intela yemali ngenxa yokwazisa. Lelisu lisebenza kakhulu kumafasidi angenisa imali eningi.

Qopha-ugcina nombhalo

I-IRS idinga ubufakazi nganoma isiphi isilinganiso esithenjiwe. Ukungalondolozi komlando kuphakathi kwezizathu eziyinhloko zokuncishiswa kwemali phakathi nokuhlola. Landela le mikhuba engcono kakhulu:

  • Gcina amalidi, amasheke axoshiwe, nezitatimende zasebhange okungenani iminyaka emithathu ngemva kokubhala (iminyaka eyisithupha uma ubika imali etholakalayo engaphezu kwengu - 25%, futhi ngokungenasiphelo ngenxa yokukhwabanisa).
  • Sebenzisa isimiso esikhethekile, njenge - assic book noma i - computer yokubhala izindleko nyanga zonke.
  • Iminikelo yokusiza abaswele engekho, engaphezu kuka - R250, ithola incwadi ebhaliwe egunyaza le nhlangano enikeza usizo.
  • Ukuhamba ngebanga lebhizinisi ngezingodo ze - log - retroctive akwamukeleki.
  • Gcina Ifomu ka1099 no-W2, futhi ufane nokubuya kwakho.

I-IRS inikeza [[QL:0] i-Publication 552 ngeziqondiso ezigciniwe ezigciniwe.

Amaphutha Avamile Alahlekelwa Izithunzi

Ukugwema lezizihibe kunganisindisa izinkulungwane:

  • Ukuhlela izikweleti ezivamile uma ukufakwa kwemininingwane kungcono [ - njalo kubala zombili izindlela, ikakhulukazi uma unezenzakalo ezinkulu zezokwelapha, uthenge indlu, noma wenze iminikelo emikhulu.
  • [ Ukubuka izikweleti ezingaphezulu komngcele [ - - abakhokhi abaningi bentela bakhohlwa izindleko zothisha, iminikelo ye-HSA, noma iminikelo yomhlalaphansi eqashweni.
  • Ukuzivumelanisa nokushintshashintsha [[FT:1] - uma uthola njalo ama-rending amakhulu, unika i-IRS imali engenanzalo. Lungisa W-4 yakho ukuze wandise imali ethathelwa ekhaya futhi uvote umehluko.
  • [[Umthetho:0] Ukuhlela ihholo lehhovisi lasekhaya - abanye abantu abasebenza bona bayakugwema lokhu kuncishiswa ngenxa yokwesaba ama-spectrini, kodwa uma ufaneleka, kungokomthetho ngokuphelele futhi ngokuvamile kukhulu.
  • Awufaki isheke ngoba ucabanga ukuthi awukweletanga lutho [ - ungasakufanelekela ukuboleka okungakhokhelwa njengenkokhelo yentela ebolelekayo (EITC) noma iTaxir Crector yabantwana, ngisho noma ungenamali etheni.
  • Izithena ezicatshangelwe zikahulumeni [ - ezinye izifundazwe zinikeza izikweleti zemali yemfundo (umk., amapulani angu-529), iminikelo yombuso womhlalaphansi, noma izindleko zezokwelapha ngaphezu kwemikhawulo yombuso. Hlola ingosi yekhokha yentela kahulumeni.

Isikhathi Sokudedela Isikhulu Sentela

Nakuba abakhokhi bentela abaningi bekwazi ukuzikhokhela inzuzo elula, izimo eziyinkimbinkimbi ngokuvamile ziyazuza esiqondisweni esingochwepheshe.

  • Ebhizinisini noma ayizisebenzi ezihola kakhulu nezindleko
  • Ba nemithombo eminingi yeholo, kuhlanganise nezakhiwo zokuqasha noma ukutshala imali
  • Isehlukaniso, impahla yangaphandle, noma ithola ifa
  • Kuhlolwa noma kuthola isaziso kuyi - IRS
  • Ufuna ukuhlela izintela zonyaka ozayo, hhayi nje ukubhala phansi intela yalo nyaka

Inkokhelo yochwepheshe wezentela ngokwayo incishiswa njengezindleko ezihlukene zentela ezithile (uma ufaka futhi uhlangabezana nezindawo zokwehlisa intela). Izindleko ngokuvamile zidlula kude izikweleti nezikweletu ezizivezayo.

Isiphetho

Ukulinganisa izikweleti zentela yakho kudinga ulwazi, ukuhleleka, nokuhlelwa. Qala ngokuqonda umehluko phakathi kwenani elivamile elithelweyo nempahla, nokuhlola ukuthi ikuphi okusebenza kangcono esimweni sakho sezimali unyaka ngamunye. Ukuthatha ngaphezulu kwe-lithi-sihlalo ukuze wehlise i-AGI yakho, futhi ungazinaki ukubhala ibhizinisi uma usebenza. Gcina amarekhodi acophelelayo unyaka wonke, hlola ukugodla kwakho, futhi ucabangele usizo lwezemali yakho uma ikhona iyinkimbinkimbi. Ngokulandela lezi zinyathelo, ungagcina imali yakho enzima futhi ubhekene nentela eqinile.

Ukuze uthole imingcele yamuva ye-athonsi nemithetho ehleliwe, bhekisa njalo kuwebhusayithi esemthethweni noma thintana nomphathi wentela ogunyaziwe.