Ukuqonda Izikhungo Zentela: Isisekelo

Izikweleti zentela ziyithuluzi elinamandla lokunciphisa iholo lakho elikhokhelwayo ngokuqondile, elinciphisa intela yakho yonke. Ngamazwi alula, ukususwa kwemali ethile emalini oyitholile ngaphambi kokuba kusetshenziswe intela. Uma intela yakho encishisiwe, intela encishisiwe, intela enciphileyo. Kubantu besizwe, izikweleti zikhona ngezindlela ezimbili eziyinhloko: ukuthengiseka okuvamile nokukwehliswa kwemali. Ukuqonda ukuthi lomsebenzi naziphi izindleko ezidingekayo ekuhleleni intela. Intela encishisiwe ephephani lokukhokhela intela. inikeza iziqondiso ezingokomthetho ezixhomekeyo ezincikelelwayo, ukutheliswa okuvamile, ukuthengwa kokwaziswa. Isihluthulelo ukwazi ukuthi ikhona yini futhi ihlelwe kanjani ngokufanele, ngoba inzuzo ihamba kahle.

Iziphakamiso Zentela Ezivamile Zezakhamuzi

Izindleko eziningi zansuku zonke zingathengwa, kodwa akubona bonke abafanelekelayo.

  • I-Deduction-A isambatha esibekwe yi-IRS esinciphisa iholo lakho elikhokhelwayo elisekelwe esimweni sakho sokuhlela (isimo, i-pastella ehlangene, inhloko yendlu, njll.). Ngokwesibonelo, ngo-2025, i-decush ejwayelekile yabafaki bamafayela aba-iRFRR5000. Akudingeki ukunikeza ama-info noma ibhukwana lalebhulo.
  • Izibalo ezifakelwe [ - Uma izindleko zakho ezifanelekayo zidlula isilinganiso esivamile senani elishibhiwe, ungafaka. Izikweleti ezivamile ezihlanganisa:
    • isithakazelo se-Mortgage endaweni yakho eyinhloko yokuhlala (igcwele isithakazelo sokufinyelela ku-R350 000 yemali efanele).
    • Izintela zikahulumeni nezikweleti zendawo (SALT) ezifinyelela ku - R1 000 ngentela yempahla neholo.
    • Iminikelo ekhokhwa ezinhlanganweni ezifanelekayo (ukufinyelela ku - 60% yemali yakho eshintshwe kancane ukuze uthole imali).
    • Izindleko zokwelapha namazinyo ezingaphezu kuka - 7,5% we - AGI yakho.
  • [[NTL:0] Izindleko zezentengiselwano nezentengiselwano - Ungasusa izindleko zakho, umngane wakho womshado, kanye nabancike kuwe. Lokhu kuhlanganisa ukukhokha kodokotela, amazinyo, odokotela abahlinzayo, imithi yokwelapha, nomshuwalense wesikhathi eside. Imali edlula 7.5% ye-AGI yakho ayikholeki.
  • Isimo nentela yendawo [[FALT:1] - Ungasusa izintela zeholo noma intela yendawo, kanye nentela yempahla ekhokhwa. Isilinganiso singu $5 000 (R150) uma ishadile ingekho ngokwehlukana).
  • Iminikelo yezemali - Iminikelo yemali noma impahla yezinhlangano ezisiza abasweleyo ze-IRS ingasebenzi uma ufaka. Gcina amarekhodi anemininingwane, kuhlanganise nezitatimende zebhange, ukukhokha amarekhodi emali ebhayisense, kanye nokubhala izimemo ezinconywa yizinhlangano zeminikelo engaphezu kuka-R250.
  • Izindleko zokukhokhela - Izikweleti eziningi zisebenza ezindlekweni zemfundo ephakeme. Ukukhokhwa kanye nenkokhelo (kwaphela ngo-2020) kuye kwathathelwa indawo i-Livingtient Learning Crever ne-American Motion Crest. Futhi, inzalo yabafundi efinyelela ku-R2,500 ingasuswa njengokulungisa inzuzo (ngaphezu komgqebhene).
  • [[IKLT:0] Izindleko zezentengiselwano zabantu abazenzayo [- – Uma uzisebenzela, ungasusa izindleko zebhizinisi ezivamile nezidingekile njengezindleko zehhovisi lasekhaya, amakhilomitha emoto, izimpahla, izikhangiso, nezikhokhelo zomshuwalense wezempilo. ISheketha C (Fum 1040) isetshenziselwa ukubika lezi zindleko.

Iziphuzo Ezengeziwe Okufanele Ziziwe

  • [ Iminikelo ye-IRA[ - Ungakhipha iminikelo ye-IRA engokwesiko, iphansi kwemali ehholo nokuthi wena noma oshade naye nihlanganiswa yini necebo lomhlalaphansi emsebenzini.
  • [ Ukuheath Savings akhawunti (HSA) Iminikelo – Iminikelo kuHSA incishiswa ngisho noma ungabhali.
  • [ Izindleko eziphumayo zamalungu amabutho ahlomile – amalungu asebenzayo ahamba ngenxa yokushintsha kwesiteshi kungasusa izindleko uma engatholi imbuyiselo.
  • I-Casuty kanye ne-Theft Loss – Lawa ancishiswa kuphela ezindaweni ezimenyezelwa inhlekelele kuhulumeni, ngaphansi kwe-10% ye-AGI.

Isici esivamile se-Deduction vs. Izihloko ezihlotshiswe: Indlela yokukhetha

The decision between taking the standard deduction and itemizing depends entirely on your individual financial picture. The standard deduction is simple, requires no record keeping, and is adjusted annually for inflation. Most taxpayers find that the standard deduction gives them a larger tax break than itemizing, especially after the 2018 tax law changes nearly doubled the standard deduction amounts. However, if you have significant qualifying expenses—such as high mortgage interest, large charitable donations, or heavyIzindleko zezokwelapha − Ukuthena izinto kungase kukhiqize imali ephansi yentela.

Ukunquma, nezela zonke izikweleti zakho ezingase zibekwe (inzalo yokudla, iSALT, izipho zokusiza, izindleko zezokwelapha ngaphezulu kwe 7.5% ye-AGI, nanoma yiziphi ezinye izindleko ezifanele). Uma ingqikithi idlula inani elivamile lenani lokuhlela kwakho, ukuhlelwa kwamaphepha angaphezulu. Uma kungenjalo, thathani intengo evamile. Anikwazi ukwenza kokubili. Khumbula ukuthi ezinye izikweli, njengezindleko zezokwelapha kanye nokulahlekelwa kwengozi, zinezingehlisa inani lazo. Sebenzisa IRORP 1040 IROM, HPROFEK .[FLD]]

Izimfuneko Ezifanele Zokuphumelela Ukuze Kutholakale Izithunzi Eziqondile

Ukukwazi ukuncishiswa kwemali akuyona indawo yonke; kuxhomeke ezicini ezinjengemali eholwayo, ukuphakama, ubudala nokuthi uncike komunye umuntu yini.

  • Isilinganiso esilinganayo sokuncishiswa kwemali: Imali egcwele ikhona kuthesulwa abakhokhi bentela abaningi. Nokho, uma omunye umuntu engathi uncike kuwe, isilinganiso sakho esivamile silinganiselwe ku-R2,50 noma iholo olitholile kanye no-$400 (kusukela ku-R1,50).
  • [[INKCITY:0] Izindleko ezikhokhelwayo: Izindleko kuphela ezidlula 7.5% ye-AGI yakho azibangeki. Kumelwe futhi ukwazi ukubhala zonke izikweletu.
  • Iminikelo ye-Accounting: Kumelwe unikele enhlanganweni efanelekayo engu-501(c)(3). Iminikelo kubantu ngabanye, imikhankaso yezombangazwe, noma amaqembu angenisa izihambi ayitholakali. Kumelwe uthole ukuvuma okubhaliwe ngeminikelo eyodwa engaphezu kuka-R250.
  • I-Loan Factory : I-AGI olungisiweyo kumele ibe ngaphansi komnyango othile (ngo-2025, isigaba sesigaba siqala kuma-$80 000 kubantu abangashadile kanye nama-dollar angu-R240 000 ahlangeneyo). Awukwazi ukubizwa njengo--axhomeke ekubuyeni komunye umuntu.
  • [ Izindleko zezentengiselwano [: Abantu abasebenza bona kumelwe babonise ukuthi izindleko zivamile futhi zidingekile emsebenzini wabo noma ebhizinisini. Ukulahlekelwa kwe-hobby akukhonakali.

Njalo bhekisela ku-[QL:0] Intela yesihloko 500 - Izikhundla [ ukuze uthole incazelo eningiliziwe. Uma ungabaza, ukubuza uchwepheshe wentela kuhlakaniphile.

Indlela Yokuthi Izithunzi Ziyalandela

Ukugoma izindleko kuyinqubo eqondile, kodwa ukunemba kubucayi. Landela lezi zinyathelo:

  1. `Anke Umbhalo - Uqokelelo W-2, 1099], ama-risithi eminikelo yokupha, izitatimende zenzalo yendlu (Form 1098), intela yempahla, izikweleti zezokwelapha, kanye nemali yemfundo. Zihlele ngokwezigaba.
  2. Khetha indlela yakho yokuhamba [ - Ungafaka uhele ngesandla usebenzisa amafomu e-IRS, sebenzisa i-software yokulungisa intela (umzk., TurboTax, H&R Block), noma uqashe umbhali wezincwadi osemthethweni noma umqaphi we-opera. I-software isiza ukuhlukanisa izithena ezingase ziphuthe.
  3. Phendulisa iTaxi Yakho - Uma uthatha izincopho ezivamile, faka ingqikithi elayinini efanele yeFomu 1040. Uma ufaka, iShedyuli A iphelele bese uthumela ingqikithi ku-1040 yakho. Qinisekisa ukuthi zonke izibalo ziyalingana namarekhodi akho.
  4. Izibalo-kabili - Ukubukeza izibalo, ukuhlola imingcele elinganiselwe, futhi uqinisekise ukuthi awuyitholi intethelekiso kabili. Izinga elithelweyo ezithelwe izinto, khumbula imingcele yokungangeni (njengesilinganiso se-Prease esisebenza ekukhokheni abakhokhi abakhokheli bempahla ephezulu).
  5. Ihele lobuchwepheshe noma nge-Mail – I-efilfing ishesha, inciphisa amaphutha, futhi ikunika isiqinisekiso se-lidget. Uma uboleka imali, khokhela ngemishini. Uma ulindele i-recund, sebenzisa imali eqondile.

Ukuqinisa Izinqubo Zakho: Izinqubo Ezisebenzayo

Ungathatha izinyathelo eziqhubekayo phakathi nonyaka ukuze wandise izikweletu ofanele uzinciphise:

  • Gcina amaRecord aphelele - Sebenzisa ifolda enikezelwe noma uhlelo lwezibalo ukugcina ama-risidi, ama-check akhashiwe, izitatimende zebhange, nezingobo zokwehlisa i-intshi. I-IRS idinga ubufakazi obubhaliwe bezithembu eziningi. Iminikelo yokusiza abaswele, thola ukunconywa phambi kokubhala.
  • Izikhungo ezikhokhelwayo - Uma izikweleti ezithengisiwe ezifakiwe ziseduze nenani elivamile lemali encishisiwe, cabangela “ukukhokha” ngonyaka owodwa. Ngokwesibonelo, yenzani iminikelo yokupha ngeminyaka emibili ngonyaka owodwa, noma ukukhokha izintela zempahla ngaphambi kwesikhathi, ukusunduza ingqikithi yenu ngaphezu komnyango ovamile.
  • Isikhathi sokusebenza kwe-Medical Procedures - Uma uhlinzwe ngevota noma usebenza ngamazinyo, zihlele ngonyaka lapho izindleko zakho zezokwelapha zizodlula khona u-7,5% AGI. Lokhu kungaguqula izindleko ezingangenisi zibe yizindleko ezingafinyeleleki.
  • [[UMTL:0] Ikhontiyuta kuMa-akhawunti eThyaka-Awusebenzi [ – Iminikelo kuma-IRA angokwesiko, i-HSA, kanye namapulani omhlalaphansi asebenza wodwa njenge-SEP IRAs awekho futhi anciphe i-AGI yakho.
  • Ukubheka isimo sakho sokuzihambela [ - Kwezinye izimo, imibhangqwana eshadile ingazuza ngokuzihlukanisa uma omunye umngane womshado enezindleko ezinkulu zokwelapha noma izikweleti ezihlukene. Nokho, ukuqopha ishadi ngokuvamile kuyanciphisa noma kususe izikweleti eziningi, ngakho yenza kokubili izimo.
  • Hlala ungenile[ - Imithetho yentela ishintsha njalo. Ngokwesibonelo, ukuncishiswa kwezindleko zezisebenzi ezingakhokhelwanga (njengemali efunekayo neyunifomu) kwabekwa iminyaka yentela 2018 kuya ku-2025. Ukuqaphela izinguquko ezinjalo kuvimbela amaphutha agciniwe.
  • Ikhomishana iProfessionari yeTaxil - Umthelisi wentela ofanelekayo anganikeza amasu omuntu siqu, ikakhulukazi uma unemali eyinkimbinkimbi , njengezakhiwo zokuqasha, amabhizinisi amaningi, noma inzuzo enkulu yokutshala imali. Izindleko zochwepheshe ngokuvamile zizikhokhela ngokwazo ngentela ephezulu.

Izikhungo zentela zimelene nomthetho: Izehlukaniso eziyinhloko

Intela eningi idida izikweleti nezikweleti. Nakuba zombili zinciphisa intela oyikhokhileyo, zisebenza ngokuhlukile. Inzuzo ilingana nesilinganiso sentela yakho yaphansi eyandisiwe ngenani elishisiwe. Ngokwesibonelo, ebhukwini lama- 22% lentela, intengo enelehhonsi, ingu $220 (R220). Ngakolunye uhlangothi, intela inciphisa imali yakho yentela yemali ekhokhwayo. Imali ekhokhwanywayo ikwehlisa ihhotela imali ekhokhwanywayo. Imali elinganiselwa ku-R3,000. Inkokhendi eyigugu ibaluleke kakhulu. Izibonelo zezikweleti ezikhokhelo zihlanganisa ihhotela ihren, intela ekhutshani lezingane, nentengosi yezemfundo yezemfundo yaseMelika yezemfundo yezemfundo. Uma uthola ngisho nezikwenziwa yimali yakho.

Amaphutha Avamile Okungagwenywa Lapho Kushiwo Ukuthi Kuyinkolelo - ze

Ngisho nabakhokhi bentela abakhuthele bangakhubeka. Qaphela lezizihibe:

  • [ Ukubuka ukuqoqwa okuvamile kwe-Deduction - Abanye abakhokhi bentela bafaka izinto ngisho noma i-chezu elivamile lingabanika inzuzo enkulu. Njalo qhathanisa.
  • [[NTL:0] Ukuhlela Umbhalo - i-IRS ingavumela izincopho uma ungakhokhi ama-risiti noma ubufakazi bokukhokha. Lokhu kuvame kakhulu ngeminikelo yokusiza nezindleko zezokwelapha.
  • Izindleko zomuntu siqu njengeZikhundla ze-Business - Abantu abasebenza bona ngokwabo ngezinye izikhathi badedela izindleko zokuzilungisa, noma izingubo ezingagqokwa ngaphandle komsebenzi. I-IRS inezincazelo eziqinile ze- “eqhelekileyo nedingeka.”
  • Ukufuna ukuqonda ama Phaseouts - Izikweleti eziningi zincishiswa emazingeni emali eholayo. Imali ebolekwayo yemali ethathelwe imfundo ephakeme. Imali ekhokhwayo enikezwayo, i-IRA, kanye nezikweleti ezithelwe izinto ezizokwehliswa yipesenti ye-Prease bonke banemikhawulo yemali. Lungisa ukubuya kwakho ngokucophelela ukuze ugweme ukuthatha intela ngokwengxenye.
  • [[UMTL:0] Awuyibambi indawo[[FT:1] - Uma ulungisa izikweleti zakho phakathi konyaka (ngokukhuphula iminikelo yangaphambi kwentela noma ukuqoqa), lungisa futhi W-4 yakho ukuze ugweme ukudlula noma ukugoqa.
  • Ukungavumelani kwentengo yoMbuso yentela [ - izikweleti zentela zikaHulumeni zingahluka kuhulumeni. Ezinye izifundazwe azivumeli ukutheliswa kwentela kahulumeni ekhokhwayo, kuyilapho ezinye zinikeza ezinye izikweleti. Bheka i-website yegunya lentela kazwelonke.

Izinguquko Zamuva EMthethweni Wentela Ezithinta Izikhungo

Umthetho wentela awumi ndawonye. Umthetho ka-2017 WeTaxis no-Jobs Act wenza izinguquko ezinkulu eziqhubeka zisebenza ku-2025, ngemva kwalokho kubekwe amalungiselelo amaningi okubuyisela. Izinguquko eziyinhloko zihlanganisa:

  • I-Deduction ekhulisweyo – cishe iphindeke kabili uma kuqhathaniswa namazinga angaphambi-2018, okwenza ukuba ukufakwa kwezithombe kungajwayelekile kakhulu.
  • Ikhasi eliseziholweni ze-SALT - Umbuso kanye nezincopho zendawo zentela zibekwe ku-R1 000, okunciphisa izinzuzo zezakhamuzi zezifunda eziphezulu njenge California ne New York.
  • [ Imali yeSizalo - Inzalo esikweletini sesibambiso sendlu esenziwa ngemva kukaDecember 15, 2017, incishiswa kuphela emalini elingana no-R350 000 yezikweletu (kusuka ku-R2,50 000).
  • Ukuhlelwa kwezihlongozo ezingolunye uhlobo – I 2%% izikweleti zephansi zezindleko zezisebenzi ezingakhokhelwanga, izindleko zokulungisa intela, nezindleko zokutshala imali zincishiswa kwaze kwaba ngu-2025.
  • Iminikelo ye-Accel – ngeminikelo yemali ngo-2020 nango-2021, kwakhushulwa imingcele yesikhashana; manje kuhlehlela ku-60% ye-AGI.

Ngemva kuka-2025, izikweleti ezivamile zihlelelwe ukubuyela emazingeni angaphambi kwe-TCJA, i-SALT cap izosuswa, futhi amanye amalungiselelo amaningi azobuya. Qaphela ukushintshwa komthetho kwezindaba ze-IRS[ noma kudokotela wentela ukuze ahlele ngokuvumelana.

Isiphetho

Ukukhokhisa intela kudinga ukuqonda imithetho, ukuhlela izimali zakho, nokwenza izinqumo ezihlelekile phakathi nonyaka. Noma uthatha intethelelo ejwayelekile noma ufaka izinto ezithile, umgomo uyafana: nciphisa intela yakho ngokusemthethweni kuyilapho uhlala uhambisana nezimfuneko ze-IRS. Qala ngokuhlukanisa zonke izikweleti ofanele kuzo, gcina amarekhodi acophelelayo, futhi ubukeze isimo sakho sentela unyaka ngamunye njengemali ekhokhwayo nezindleko. Ukuhlela intela akuyona inqubo eqhubekayo. Ngokuhlala usazi futhi ngokunokwenzeka usebenza ngentela, ungaqinisekisa ukuthi zonke izikweleti obekelwe zona ukuthi unelungelo lokukhokha futhi ugweme amaphutha abizayo. Umzamo owenzayo namuhla ungagcina ezinkulungwaneni zemali ozingenisile.