Izikweleti zentela zinganciphisa kakhulu isikweleti onesikweleti sakho, kodwa abakhokhi abaningi bangazinaki izikweleti eziyigugu ezingaholela emalini enkulu egciniwe. Eqinisweni, i-International Revenue Service (I-RS) ilinganisela ukuthi izigidi zezisebenzi ezifanelekayo zentela azikwazi ukuboleka intela enjengethi Earhoed Taxies Crector (EITC) Intela ebolethwayo (ITC) Ikhokhatlethiwe kakhulu ngonyaka, ishiye izigidi zezigidi zamadolanda zamaRandi zingakhokhwanywanga. Ukuqonda lezikweleta kubalulekile ekukhokheni intela futhi ugcine imali enzima. Kulesi sihloko, sizohlola intela ebanzi ongase ulahlekelwe, ukuthi ungasebenzi kanjani, futhi ungazuza kanjani njengomkhokhi wentela.

Ukuqonda Izikweletu Zentela: Isisekelo

Izikweleti zentela ziphakathi kwamathuluzi anamandla kakhulu kule mithetho yentela ngoba anciphisa ngokuqondile imali ekweleta uhulumeni — imali ngedollar. Lokhu kuhlukile kuthengiselwa intela, okunciphisa intela yakho. Ngokwesibonelo, imali ekhokhwa ngemali elinganiselwa kuR1,000 inciphisa imali yakho yentela ngo-R1,000, kanti imali eshicilelwe inciphisa iholo lakho nge R1,000, okungakusindisa kuphela uma ukwehlisa ibhuleki lama-2%.

Kunezinhlobo ezimbili ezinkulu zezikweleti zentela: ezilahlekileyo kanye [FT:2] nezingaphindeki[. Izikweleti ezingakholeki zinganciphisa intengo yakho yokuba ube neqa kodwa hhayi ngezansi — noma isiphi isikweleti esisele silahlekile. Uhlobo olwenzayo lubalulekile, ngesinye isandla, lungaphumela ekubuyiseleni ngisho noma ungenankokhiso. Ezinye izikweleti zincishiwe ngokwengxenye, okusho ukuthi ingxenye ingabuyiselwa futhi kanti ezinye izikweleti zingabuyiselwa. Ukwazi ukuthi ukwenzelani ngokuhlela okubalulekile.

Ngokuvamile Ngaphezu Kwamasheya Ayintela

Abakhokhi bentela abaningi balahlekelwa yizikweleti ngenxa nje yokuthi abazazi noma bacabanga ukuthi abafaneleki.ngezansi kunezikweleti eziyigugu kakhulu nezivame ukulahleka, ezinemininingwane eyandisiwe ukuze zikusize ukuba unqume ukuthi unelungelo elingakanani.

Imali Yentela Ekhokhelwayo (EITC)

Imali ekhokhelwayo yentela (ETC) iwukwethelekisa okungalungiselwa ukunikeza abantu abasebenzayo nabasekhaya abaphansi. Ngo-2024, izimali ezinkulu ezikweletayo zisukela ku-$600 kumuntu ongenabantwana abangaphezu kuka-R2,800 kumkhaya onabantwana abathathu noma ngaphezulu abafanelekayo. Ukukhokha kuxhomeke emalini yakho esebenzayo, inzuzo yokutshala imali, nenani labantwana abafanelekayo. Izisebenzi eziningi ezingenabantwana zifanelekela ukuthenga ityala elincane kodwa ngokuvamile ziyahluleka ukulithola. Ukufaneleka, kumelwe ukuba uzuze imali evela emsebenzini noma ekuzisebenzeni futhi uhlangabezane nemali ethile encishisiwe encishiswayo ngonyaka wonke. Sebenzisa i-ERCIT ithuluzi lakho lokuhlola ithuluzi lakho.

Ukukhokha Intela Yezingane (CTC)

Imali Imali yeTaxi yabantwana inikeza amaR1 000 kumntwana ngamunye ofanelekayo engaphansi kweminyaka engu-17, ukufinyelela ku-R1,800 kuleyo mali ikhona (Imali Yentela Yomntwana Efakiwe). Ukubolekisa ngokugcwele, kumelwe ube nemali eshintshwe phansi kwemali elinganayo emaRandini angaphansi kuka-2020 000 (R1,50 000). Izinga lokuthenga ngesikweletulo linciphisa izindleko zokukhulisa abantwana, kodwa imikhaya eminingi efanelekayo iyaphuthelwa ngenxa yokungabhali intela noma ingaqapheli ukuthi ifanele uma iholo layo iphansi kakhulu.

Ukudunyiswa Kwentela YaseMelika Etholakala Ngethuba Elide (AOTC)

I- Imali yeTrought Created yaseMelika ikwenezelelwa ngokwengxenye izindleko zemfundo ezifanele phakathi neminyaka emine yokuqala yemfundo yomzuzwana. Ungafaka imali engu $2,500 kumfundi ofanelekayo, futhi amaphesenti angu-40% aleyo mali (angu $200 000) ayimali. Umfundi kumelwe abhaliswe okungenani ngokwengxenye yesilinganiso semali edingekayo noma uhlelo lwencwadi. Izinga lokuthenga izintela neholo elilungisiwe elingaphezulu kuka-R350 000 (R1 000). Abafundi abaningi noma abazali babo bangayinaki lesikwele ngoba bacabanga ukuthi isebenza kuphela ekutholeni imali — kodwa izindleko zihlanganisa nenkokhezo, izimpahla, ngisho nezincwadi ezithengwayo.

Ukudumela Ukufunda Isikhathi Eside (LLC)

I- Izindleko zemali ephilayo zikhona nganoma yiliphi izinga lemfundo ephakeme noma intuthuko yobuchwepheshe, kungekho mkhawulo weminyaka ongayisho. Ungafaka i-$2,000 ngemuva lentela (hayi umfundi ngamunye). Izindleko ezingakhombayo zihlanganisa ukulahlekelwa kanye nezindleko ezidingekayo ukuze kufundwe noma kufundwe izifundo zemfundo ephezulu — ungasebenzisa inzuzo yezifundo zomuntu ngamunye ukuze uthuthukise amakhono omsebenzi. Nokho, i-LLC ayinciphiswe futhi inezinga zemali ezifana ne-AOTC. Inkokhi yokweleta abaningi abayinaki lento ngoba idibengwa yi-AOTC noma i-deeeeeequae.

Ukuthenga Impahla Esebenza Ngamandla Angenangozi

Abanikazi bamakhaya abafaka izimiso zamandla ezivuselelwayo bangafaka iResidential Effentient Eyement Intect (ngokuvamile ibizwa ngokuthi ukukhokha intela yelanga). Izinqubo ezibekwe emsebenzini ngo-2024, ukuthenga isamba semali eyimali, ngaphandle kwemali engaphezulu. Ubuchwepheshe bokuthenga igesi buhlanganisa izisekelo zikagesi, ukushisa kwamanzi, injini yomoya, ukushisa komoya, namangqamuzana kaphethilo. Lokhu kungenantengo okunganciphindwayo kodwa kungathwalwa phambili eminyakeni ezayo yentela. Abani abaningi bamakhaya bakholelwa ukuthi ukuthenga ngephutha kusebenza kuphela kokwakha okusha noma ukuthi kumelwe bathenge isimiso esiphelele — eqinisweni, izimiso eziwumoya ezisebenza ekhaya zingafaneleka uma umninindlu umnini-yabo. [Foctive]

Inkokhelo Yomgcini-zincwadi (Imvume Yokulondoloza Iminikelo Ikhefi)

Esinye isikweleti esivame ukulahleka yi- Imali yokubuyisela i-Crrever , evuza abantu abaphansi nabanele ngenxa yokunikela ngama-akhawunti omhlalaphansi anjenge-401(k), i-IRA, noma uhlelo olufanayo. Isikweleti silingana namashumi amahlanu% eminikelo yakho, ngesikweleti semali engu-R3,000 (R1,000 kumafayile ahlangene). Kumelwe ukuba ungabi umfundi ophelele wesikhathi, futhi ungabi yi-ancikile. Intela eningi ithatha imali encane kakhulu ukuba igcine umhlalaphansi, kodwa ngisho neminikelo emincane ingashukumisa lemali yokuthenga. IR inikeza [FLD:] imali engaphezulu [ikhasimende [FFFOLD] [FF:]

Imibono ethandekayo, Engenakuthatheka: Okwenza Kubaluleke

Ukuqonda ukuthi isikweleti sibolekwa noma asiboleki kungakuthinta kakhulu ukuhlela kwakho intela. Uma unecala eliphansi lentela, ukukweleta okungakhokhelwa kungase kube yize, kanti ukubolekisa okungakhokhelwayo kunganikeza ukulahlekelwa ngisho noma ungenalutho. Ngokwesibonelo, i-Child Taxix Creend ingenakwehla ngokwengxenye, izikweletu zemali ezibizayo zingenzeka njengokukhokha isikhathi sokwazi noma amandla okukhokha anele angathola imali engangemali engango - $1,700 ngengane ngayinye njengemali egciniwe. Imali eboletwayo ingenayo iphinde iphele, yenza kube yinkongoze kakhulu ngezisebenzi ezihhhalayo ezihlawulwayo.

Izimfuneko Zokuvumelana Nemibono Ngemininingwane

Iziqondiso ezikhulisiwe mayelana nezikweletu ezivame ukulahleka, kuhlanganise nezithikitshana zamuva ziyahlukahluka ngenxa yemali eholwayo, ukuhleleka, ubudala nezimo ezithile.

Ukuzimela

Ukuze ufanelekele i-EITC ngo-2024, iholo lakho elisebenzayo neholo elilinganiselwe (AGI) kumelwe libe ngaphansi kwemigoqo ethile: uma amafayela angabodwa angenazingane ezifanelekayo, i-AGI kumelwe abe ngaphansi kuka-R1,59; ukuze kube namafayela ahlangene anabantwana abathathu noma ngaphezulu, i-AGI kumele ibe ngaphansi kuka-R3,398. Kumelwe ube nenombolo esemthethweni ye-Social Security, i-IS i-ET, inhloko yekhaya, efanelekela umfelokazi (eyedwa), noma i-after cooperation (impela amafayela amaningi awafaneleki). I-IS iholo kumelwe ibe ngu-RS 1000 000 noma ngaphansi kwemikhawulo ye-R; nyaka ngamunye; hlola [FLD: 0] i-ESC [iT]

Ukudunyiswa Kwentela Ezinganeni

Kumntwana Intethelekiso yentela, umntwana kumelwe abe ngaphansi kweminyaka engu-17 ekupheleni konyaka wentela, abe yisikhokha, abe nenombolo yeNhlalandawo Yezokuphepha, futhi ahlale nawe isikhathi esingaphezu kwengxenye yonyaka. Ukuthenga ngemali kuqala ukuncishiswa nge-AGI yezigidi ezingu-R2 000 kumafayile azimele kanye namafacer ahlangene. Ingxenye ekhokhelwayo (Inani Lentela Yabantwana) idinga imali edonswa okungenani imali engu-R2,500; i-afrendrending ilinganiselwa ku-15% yeholo elingaphezu kuka-R1,500,500, ukuya ku-R140 000 (R1 000) kubantwana abathola imali eh1.

Imithombo Yemfundo: Umehluko Oyinhloko

I-American Opportunity Tax Creatence itholakala kuphela eminyakeni emine yokuqala yemfundo yomzuzwana, idinga okungenani ingxenye yesikhathi sokubhalisela ngebanga elithile noma uhlelo lwesitifiketi, futhi ihlanganisa izindleko, izimali, nemisebenzi. I-Living Time Learning Trining Creasure ihlanganisa noma isiphi imfundo yesomzuzwana noma ukuqeqeshwa, kuhlanganise nezikole ezingezona zeminyaka engaphezulu. Zombili zinesilinganiso semali ezithathayo: ngoba i-AOTC, isigaba sezwe singu $00,000 (R180 000-R1 000); nge-LC, zingu-R180 000 000 000 000 (R1 000 000).

Ukukwazi Ukusebenzisa Amandla Kagesi

Lokhu kuthenga ngezindleko zezimiso zamandla ezifanele ezifakwe endaweni ohlala kuyo yokuqala (noma indlu yesibili yezobuchwepheshe obuthile). Isimiso kumele sibekwe emsebenzini ngoDecember 31 wonyaka wentela. Imali yokuthenga ingu-30% yezindleko ezingenakho isilinganiso esiphezulu sezimiso ezibekwe enkonzweni kusukela ngo-2022 kuya ku-2032, bese zehla ngemva kwalokho. Izindleko ezikhokhelwayo zihlanganisa ukusebenza nokufakwa. Impahla kaphethiloli, ikweleta imali ilinganiselwe ku-0,5% ye-0,5% yesilinganiso somsebenzi. Faka i-crectory yakho enikeza ama-crediation ukuze kuqinisekiswe ukuthi i-eingig.

Indlela Yokuthi Intela Idunyiswa Ngokufanele

Ukuziboleka intela kudinga ukubhalwa kwezincwadi ezifanele nokunakwa kwemininingwane.

  • Umbhalo ongaphezulu: qoqa wonke amabhukwana adingekile — W-2, 1099, izitatimende zokuzinza (Form 1098-T), amarisidi okufakwa kwamandla, izitatimende zomnikelo womhlalaphansi, kanye nobufakazi bokuvuleka njengezitifiketi zokuzalwa kwalabo abancikene nawo.
  • [[NTL:0] Sebenzisa i-software yeTaxi noma uchwepheshe wentela: I-software yentela engalinganiyo (umzk., TurboTax, H&R Block, Free File) izokuhamba ngecala ngalinye bese ubuza imibuzo edinga u-umklomelo. Uchwepheshe wentela angathola izikweleti ongazi ukuthi ungazisingatha izimo eziyinkimbinkimbi ezinjengokuzinika umsebenzi noma ukuncika kakhulu.
  • hlanganisa amafomu afanele: I-EITC idinga i-For 862 uma beyinqaba ngaphambili; i-Creasure dust yabantwana isebenzisa iShedyuli 8812; izikweleti zemfundo zisebenzisa i-Form 8863; izikweleti zamandla zisebenzisa i-Form 5695. Qinisekisa ukuthi ubopha izimo ezilungile nezimiso.
  • U-kabili-Uphawu lwe-Inhome Imikhawulo: Qinisekisa i-AGI yakho elungisiweyo ebhekene nesiqalo. Izikweleti eziningi ziphuma kancane kancane — uma usondele emngceleni, ukwehla kancane kwemali eholwayo (umz., ukuveza inkokhelo) kungakugcina ufanelekile.
  • Isibonisi noNikezela: Ngaphambi kobu-eFLT, hlola ukubuya kwakho ukuze ube nokunemba. Amaphutha avamile ahlanganisa izinombolo ze-Social Security, amafomu alahlekile, neholo elingalingani kahle. I-IRS ibuye ngokwaziswa okungahambelani, okubambezela izikhawu.

Intela Kahulumeni: Ungawakhohlwa Amathuba Asendaweni

Ngaphezu kwezikweleti zikahulumeni, izikweleti eziningi zinikeza izikweleti zentela zazo siqu ezinganciphisa izindleko zakho zentela yezwe noma zinikeze ama-reast. Ngokwesibonelo, izifunda-mazwe eziningi ziye zakhokha izimali zentela ezisesilinganisweni zikahulumeni ezikhokhwayo ezithi i-piggyback kuwebhusayithi ye-athomu kahulumeni ye-EITC, ngokuvamile zibiza ingxenye yemali ekhokhwayo kahulumeni. Ezinye izikweleti ezivamile zihlanganisa izikweleti zokunakekela izindleko zezingane, imali elondolozweni, nemali egciniwe egciniwe. Amanye amazwe anikeza izikweletu zeminikelo yokusiza noma izindleko zokutholwa kwezingane. Hlola izimali zegunya lakho zentela noma inzuzo ezindaweni eziningi ezizimele.

Izinguquko Zamuva Empendulweni Yentela (2023 - 2024)

Imithetho yentela iyashintsha futhi ukuhlala ikhona kubalulekile.

  • EITC:[ Ku-2024, ukunconywa okukhulu kwanda ngenxa yoshintsho lokwehla kwamandla emali. I-IRS futhi yandisa incazelo ye“izingane ezizalwayo” kwezinye izimo ezihilela ukutholwa nokutholwa.
  • Intengo yeTaxi Yabantwana: [inguquko eqiniswe ka-2021] iphelile (inyuselwe ku-R3,600 kumntwana ngamunye), isikweleti samanje esingu $2,000 (imali esele) siyasebenza. Izihlongozo ezisemthethweni zokwandisa i-CTC zixoxwa minyaka yonke — hlola i-website ye-IRS nganoma ikuphi ukushintshwa konyaka.
  • Imali evunyelweyo: Umthetho we-Inflatiation Reduction Act ka-2022 wandisa incazelo yamandla okuhlala eba ngu-30% kuya ku-2032 futhi wanezela imikhakha emisha njengobuchwepheshe bokugcinwa kwebhetri. Qinisekisa ukuthi unesiqondiso samuva sokufakwa kwe-IRS.
  • [ Imali ekhokhelwayo: Isilinganiso seholo le-AOTC ne-LLC zishintshwa ngenxa yokwehla kwamandla emali unyaka ngamunye. Ngo-2024, iziteshi zesigaba sesigaba zingaphezulu kakhulu kunango-2023, okwenza ukuba abakhokhi bentela bafaneleke.

Njalo bhekisa ku-[QL:0] IMITHOMBO YEZIRHUMO & Ikhasi le-Deducations [ yokwaziswa kwamanje kakhulu.

Amaphutha Avamile Okungagwenywa Lapho Kushiwo Ukuthi Kunezikweletu Zentela

Ngisho nalapho wazi ngezikweletu, amaphutha angabangela ukulibala noma ukulahlwa.

  • Ukukhomba ukubuyisela: Izisebenzi eziningi ezihhhalelwe ngaphandle kwentela zicabanga ukuthi azidingi ukukhokha amafayela — kodwa leyo ukuphela kwendlela yokuboleka izikweletu njenge-EITC. Ngisho noma ungenayo intela, amafayela afuna ukukhokhwa kwakho okungakhokhwa.
  • [ Ukubika iholo: Iholo elisebenzayo linganciphisa noma liqede ukukhokha isikweleti, kuyilapho ukukweqisa kungabangela ukuncitshiswa kwemali. Bika yonke iholo, intela, neholo lokusebenza komuntu ngokwakhe ngokunembile.
  • Imithetho encikekile: Imali yokukhokha intela yezingane, umntwana kumelwe abe nenombolo esemthethweni yeNsirhelelo yeNtlalo futhi ahlale nawe isikhathi esingaphezu kwengxenye yonyaka. Kuwe-EITC, abantwana abafanelekela ukuhlangana, ubudala, ukuhlala, nokubuyela kwezivivinyo.
  • Awuhloli ukuthi izibalo zikhona: Abanye abakhokhi bentela bahola kancane ngaphezu komnyango wokuthatha itoti futhi bathathe ukuthi abafaneleki, kodwa izikweleti ezimbalwa ziyatholakala. Hlola izinga eliqondile lokuphuma ngaphambi kokuyeka.
  • Ufaka izindleko zemfundo ezingaka-kubini: Awukwazi ukuthenga izindleko ezifanayo kokubili i-AOTC ne-LLC, futhi awunakusebenzisa izindleko ezifanayo ezilinganayo ukuze uthole imfundo yentela nemali yokukhokha.

Ukuhlela Kusengaphambili: Indlela Yokwandisa Izikweletu Ngonyaka Ozayo

Ukulungisa intela akudingeki ukuba kuthathwe. Ungathatha izinyathelo unyaka wonke ukuze uzuze ngokwengeziwe ekubolekeni:

  • lungisa ukugodla kwakho: Uma uthola njalo izikweletu ezinkulu njenge-EITC, cabangela ukulungisa i-W-4 yakho ukuze unciphise futhi wandise umholo wakho wekhaya phakathi nonyaka. Kodwa qaphela ukuba ungatholi imali ephansi nezijeziso ezikweletu.
  • Ukuhlanganisa ama-akhawunti omhlalaphansi: Iminikelo ye-IRA engokwesiko noma 401(k)(k) u-AGI, okungakugcina ungaphansi kwesilinganiso semali yokukweleta. Okunye, ungafanelekela iSandi.
  • Izindleko zemfundo zihleleke kahle: Uma unomfundi eminyakeni emine yokuqala yekolishi, kwandisa i-AOTC ngokukhokha izindleko zenkokhiso kanye nezincwadi ngonyaka owodwa uma kungenzeka, kunokuzisakaza. Kuhlangene nokusakaza ama-529 amasuntswana ukuze ugweme izinzuzo ezimbaxa-mbili.
  • Intuthuko yamandla asekhaya: Uma uhlela ukufaka amapalishi azungeze ilanga noma ezinye izimiso ezivuselelwayo, isikhathi sokufakwa kuhambelana neminyaka yentela lapho unecala lentela lokusebenzisa isikweleti esingabhaliwe. Ukuhlela kokubuya uhambe usebenzise isikweleti iminyaka eminingi.
  • Izinguquko zemithetho-mthetho: Intela entsha inganweba noma ilungise izikweleti phakathi konyaka. Zibophelele kwintela ye-IRS noma ipheshana lentela elinedumela elihle lokuhlala lazisiwe.

Isiphetho

Izikweleti zentela zinganikeza izinzuzo ezinkulu ngokwezimali, kodwa abakhokhi bentela abaningi baphuthelwa yilamathuba ngenxa yokuntula ulwazi noma imithetho eyinkimbinkimbi. Ngokuqonda izikweleti ezihlukahlukene ezikhona — kusukela ku-Inhoodie Tax Creatence ne-Child Taxip Incor kumfundo kanye nezikweleti zamandla — ungabuyisela imali eyengeziwe ekhukhwini lakho. Khumbula ukuhlola kokubili izikweletu zikahulumeni nohulumeni, sebenzisa amashende enembile, futhi uhlale waziswe ngokushintshwa kwaminyaka yonke. Kungakhathaliseki ukuthi une-software ye-software noma uqasha uchwepheshe, thatha isikhathi sokubukeza zonke izikweleti ongase ufanelekele. Umzamo ungakhokha ngemali enkulu kakhulu ekhutshelweni noma ngentela encishisiwe. UDont’s ushiye imali mahd ste — kusho ukuthi intela.