Ukwehlisa izintela zakho kungazizwa kungaphezu kwamandla, kodwa umthwalo obalulekile kuyisakhamuzi ngasinye esisebenzayo. Indlela ecacile, ethatha inyathelo iguqula umsebenzi ukusuka ekujahaneni kuya enqubweni elawulekayo. Lesiqondiso sinikeza indlela ebanzi yokuhamba, kusukela ekuqondeni injongo yokubuya kwentela ukuze unikeze izilinganiso zakho nokuhlela ikusasa. Ngokuphula isigaba ngasinye, uyozuza ukuqiniseka ukusingatha izintela zakho ngokunembile nangempumelelo.

Kuyini Ukubuya Kwentela?

Imali ebuyiselwayo iyincwadi esemthethweni egcinwe nenxusa likahulumeni, njenge-Internal Revenue Service (IRS) e-United States, ebika iholo lakho, izikweleti, nentela ozoyikhokha ngonyaka othile. Ifomu elisetshenziswa abantu abaningi yi- Form 40[, ebala izindleko zakho zentela, okunqumayo uma ufanele, noma ufanele ukukhokha. Injongo eyinhloko iwukubuyisa intela kakade intengo yakho nesibopho esisekelwe ehhhhhlwini semali oyikhokhayo nemali ohlawulo lwakho noma imali ozikweleta ngayo.

Intela ihlanganisa yonke imithombo yeholo: iholo elivela kumqashi, iholo elikhululekile noma eliyimali, inzuzo yokutshala imali, inzalo, ukusakaza umhlalaphansi, ngisho nemiklomelo noma ukuwina ukugembula. Ukuqonda ukuthi wonke amadollar avunyiwe athinta ukubuya kwakho kubaluleke kakhulu ekubikeni ngokunembile.

Okwenza Intela Ibuyiselwe

Izakhamuzi eziningi zibheka ukugcona njengomsebenzi, kodwa kunezinzuzo eziphawulekayo ngaphandle kokuphuma ezinkingeni ezingokomthetho.

  • [[QUTY:0] I-Ligandal Compaliation: Ukwehluleka ukubhala phansi uma kudingekile kungaholela ezijezisweni, inzalo, ngisho nasenzweni esingokomthetho. I-IRS idinga ukugcinwa uma iholo lakho elikhulu lidlula imikhawulo ethile esekelwe esimweni sakho sokugcina.
  • [ Intela ekhokhelwayo: Uma umqashi wakho egodlela intela eyengeziwe kunaleyo onecala, okuwukuphela kwendlela yokubuyisela leyomali ukubuyisela i-endice. Ngaphezu kwalokho, izikweleti eziningi zentela ezifana nethi Intengo yentela ebolewe (ETC), Imali Yentela Yabantwana, noma izikweleti zemfundo (Imali yenkokhelo) kuphela uma ufaka ifayela.
  • Ukwakha iRecodery yezezimali: Abagcini bentela, ngisho nabanye abaqashi bangacela amakhophi entela esikhathi esidlule ukuze kuqinisekiswe iholo. Lobu bufakazi buvame ukudingeka lapho kufaka isicelo sesibambiso sendlu, imoto, noma indawo yokuqasha, futhi kungathinta ukukholeka kosizo lwabafundi lwemali.
  • [ Ukulondeka kobuSecocial and Medicadeas Izinzuzo: Iholo lakho elibikiwe linquma izinzuzo zesikhathi esizayo ze-Social Security neMedica. Ukubuyisa i-full kuqinisekisa ukuthi iminyaka yakho yomsebenzi iboshelwe ngokunembile kulezozinhlelo.

Ubani Okumelwe Abuyise Intela?

Akuwona wonke umuntu okudingeka abhale amafayela. Izitebhisi ziyashintsha unyaka nonyaka futhi zixhomeke ontanga yakho, emoweni, nakohlobo lweholo. Njengomthetho ovamile, kufanele ubhalise uma:

  • Iholo lakho elikhulu lidlula ukuntengantenga okuvamile kwesimo sakho sokugcina imali (ngo - 2024, amafayili angaphansi kuka - 65: $14 600; ishende elinomshado: U - R2 200).
  • Ungu [[QUL:0] osebenza ngokwakho [ futhi unemali enenethi elingu $400 noma ngaphezulu emsebenzini webhizinisi noma wesihlengo.
  • Uthole imali ekhokhelwa kusengaphambili ye- Premium Taxis Credit esitolo somshuwalense wezempilo.
  • Ukweleta intela ekhethekile enjenge - Expand Medicara Thost noma i - Net Investivement Inteage Tax.
  • Kuthiwa uncike ekubuyeni komunye umuntu neholo lakho ongalitholi (isizk., ukutshala imali) kungaphezu kuka - R1 300 ngo - 2024, noma iholo lakho eliyiholo lingaphezu kwelemali encike kubantu abancike kuwe.

Ngisho noma ungaphansi komnyango, kungase kube okuzuzisayo ukubhala phansi uma noma iyiphi intela ekhokhelwa uhulumeni igodliwe noma uma ufanelekela ukukhokhwa ngesikweleti esikhokhelwayo.

Izimpawu Ezibalulekile Nezithasiselo Ezimnandi

Unyaka omisiwe wokuhlela izikhokhelo zentela u-Apply [[FLT: 0]. Uma lolo suku lufika ngempelasonto noma iholide, isikhathi sidlulela ebhizinisini elilandelayo. Ku-2024, intela ithatha isikhathi esimisiwe ngu-April 15, 2025.

Uma ungakwazi ukuqeda ukubuya kwakho ngenkathi emisiwe, ungacela ukuhlanganisa izinyanga eziyisithupha [ ngokufaka [[FLT:] Form 4868. Ukwenezela kukunika kuze kube u-October 15 ukuba ubhale phansi, kodwa akunandisi isikhathi sokukhokha noma isiphi isikweleti. Izikweletu zenkokhelo zesikhathi zihlukene ezijezisweni zenkokhela kuze kube semuva ([FLTLT:]) futhi isijeziso sesiphelo siwumcukume. Njalo kulinganiselwa intela yakho futhi kunciphe ngangokunokwenzeka ngoApril 15 ukuze unciphise izijezo.

Ukuhamba Ngenkani Kukuqondisa Ukubuya Kwakho Entelani

Landela lezi zinyathelo ezandisiwe ukuze usebenzise indlela yokubhala.

Isinyathelo 1: Butha wonke amadokhumende adingekile

Amalungiselelo angamaphesenti angamashumi ayisishiyagalombili omsebenzi. Gcina wonke amaphepha abika iholo noma aqinisekisa ukushintshwa nokukweletwa.

  • Amadokhumende afikayo: W-2 (kuvela kubaqashi), 1099-NEC noma 1099-MISC (kusuka kumakhasimende emsebenzini we-flance), 1099-INT noma 1099-ISV (inzuzo kanye nenzuzo), 1099-G (imbuyiselo yemisebenzi), kanye nanoma yiziphi izinhlobo ze K-1(iholo noma inzuzo).
  • Imali yokuthutha: ama-rital ezindleko zokwelapha, iminikelo yokusiza abasweleyo, inzalo yendlu (Form 1098), intela yempahla, kanye nothisha. Izindleko zebhizinisi ezikhokhelwayo, izindleko ze-octal njengempahla, imayile, nezindleko zehhovisi lasekhaya.
  • Ukusekela kokukhokha izindleko zobuntwana: Amarekhodi emali ekhokhelwayo (Form 1098-T), umnakekeli wezingane imininingwane (igama, ikheli, i-ID yentela), nezimemezelo zokuthuthukisa amandla asekhaya.
  • Unyaka odlule wokubuya: Ukubuya kwakho ngonyaka odlule kungasiza ekulinganiseni izincopho futhi kunikeze i-AGI engadingeka ku-software yokufihlwa.

Isinyathelo 2: Khetha Indlela Yokudlala

Izinto ongazikhetha zisukela ekutheni ungaba yingane kuphela kodwa ube uthola usizo lochwepheshe.

  • I-Ectronic Filing (E-hele) nge-software: Abakhokhi bentela abaningi basebenzisa i-software yezentengiselwano njenge-TurboTax, H&R Block, noma izakhiwo ze-flare egcwele i-File. I-E-file iyashesha, inciphisa amaphutha ezibalo, futhi iqinisekisa ukuthi inlisi ikhona phakathi namahora angu-24-48. Izifunda eziningi ziphinde zivume futhi zihlanganise i-flip.
  • U-Oligijini weTax: A akhawunti yomphakathi (CPA), umqaphi obhalisile, noma umlungiseli wentela ogunyaziwe ubaluleke kakhulu uma unemali eyinkimbinkimbi yokutshala imali, izakhiwo zokuqasha, ibhizinisi elincane, noma iholo lezwe eliningi.
  • Paper Source: Izinhlobo zokulayisha kuwebhusayithi ye-IRS, zigcwalise ngesandla noma ngecomputer, bese uzithumela ekhelini elifanele. Ukubuya kwephepha kungathatha isikhathi eside ukuthatha inqubo --injini ezingathatha amasonto ayisishiyagalombili noma ngaphezulu(ukuthi zithambekele kakhulu emaphutha abefundisi.)

Kungakhathaliseki indlela, i-IRS’s Ihele elikhululekile uhlelo lunikeza isoftware yamahhala kubakhokhi bentela ngokulungisa okungangeni maza ngaphansi komnyango othile (ngokuvamile $79,000).

Isinyathelo 3: Qedela Ukubuya Ngokunembile

Lapho ugcwalisa i - Apr 1040 noma i - computer efana nayo, gxila kulezi zindawo ezibucayi:

  • Ulwazi lwe-Equal : Amanamba aphindwe kabili, izinombolo zezokulondeka komphakathi, nezinsuku zokuzalwa kwakho, umngane wakho womshado, nanoma yiziphi izinciphi. Iphutha elilodwa le-vFLT lingabangela ukwenqatshwa.
  • [ Ukufika Umbiko: Faka zonke izinhlobo onazo. Ngisho nenzalo encane emalini ye-akhawunti yasebhange (R110 noma ngaphansi) kufanele ihlanganiswe.
  • Abaqinisekisi bokuthola: Imali eshintshwayo ngenhla kweminikelo ye-IRA, inzalo yabafundi ekhokhwayo, izindleko zothisha, neHealth Savings Accounts akhawunti, lokhu kunciphisa iholo lakho elikhokhelwayo ngisho noma ungalifaki.
  • Izilinganiso ezisesikweni. Izilinganiso ezifakiwe: Ungathatha izincopho ezivamile (inani eliyisicaba elisekelwe esimweni sokugcinwa kwemali) noma ulinganise izikweleti uma ingqikithi yezindleko zakho ezifanele idlula isilinganiso esivamile. Kubantu abaningi, intengo evamile inkulu, kodwa uma unezindleko eziphezulu zokwelapha, inzalo yemali yokweleta, noma isifunda nentela yendawo ngaphezu kweR1 000, ingenzeka ukuba ithengisiswe.
  • Izikweleti: Ikwehlisa ngokuqondile isikweleti sakho sentela, idollar ngemali edaya. Amakhulu ahlanganisa iNkcitho yentela yeChild Trust (kusukela kuR2 000 kumntwana ngamunye ofanelekayo), i-Inhostive Intest Commones (kunyukela ku-$7,830 ngemikhaya enabantwana abathathu noma ngaphezulu ngo-2024), kanye ne-Opportunity Crrece (ngeyokukhokhela i-RCrecustom) ye-American

Isinyathelo 4: Bukeza Ukubuya Kwakho Ngeziphambeko

Amaphutha avamile abambezela ukuhlelwa kwenqubo noma ukuhlolwa kwezincwadi zihlanganisa:

  • Amaphutha ezibalo, ngisho nakusoftware-*mahhala kunciphisa lezi, hlola ukuthi zonke izinombolo zifana yini nezincwadi zomthombo wakho.
  • I - akhawunti yebhange engalungile noma inani lokuthutha ukuze kufakwe imali eqondile.
  • Isimo sokuhlela esingalungile (isib., ukufaka “Umkhaya” uma ungafinyeleli kuleyo mithetho).
  • Ukuhlanganisa isignomende (esihloswe ngisho nange-e-hele ibuya-----------mayela, uma ufaka i-inthanethi, kumele usayina ngonyaka wakho wangaphambili AGI noma i-PIN oyikhethayo).

Sebenzisa i-[QLT:0] IMSEBENZI YENKCUKATHI YENKQUBO ([]ITA[]) ukuhlola kabili amandla akho okukhokha isikweleti.

Isinyathelo Sesihlanu: Qondisa Nomlando Oyinqaba

Ihele elibuyayo lakho noma ngaphambi kosuku olumisiwe. Uma usebenzisa i-e-hele, gcina isiqinisekiso se-imeyili noma ilayisensi evunyelwe. Abathungi bamafayela ephepha kufanele bathumele ukubuya ngelithi elinobufakazi elibusiwe. Gcina ikhophi ephelele yokubuya kwakho kanye nazo zonke izincwadi ezisekelayo iminyaka emithathu [ ukusuka osukwini lokugcina i-imeyili (umthetho wokulinganisela kwe-screentification). Kubantu abaqashwe yiyo, gcina imibhalo iminyaka eyisithupha.

Ukuqonda Isimo Sakho Sokuzuma

Ukubeka kwakho imali kunquma ukuncishiswa, amazinga entela, kanye nokukhokha izikweletu ezithile. Izimo ezinhlanu yilezi:

  • [[I-FLT:0] ungashadile: ngosuku lokugcina lonyaka.
  • [[I-FLT:0] I-' izuzisa kakhulu imibhangqwana eminingi] iholo nemali encishisiwe ebuyeni elilodwa.
  • Isetshenziswa ngokuhlukene: uma abangane bomshado befuna icala elihlukene; ngokuvamile iphumela ezintelani eziphakeme kodwa ingadingeka uma omunye umngane womshado enezindleko ezinkulu zezokwelapha.
  • Ukukhokha Kwasekhaya: kubantu abangashadile abakhokha ingxenye yezindleko zokugcina ikhaya lengane efanelekayo noma incike kuyo. Kunikeza ukuthengiseka okuphezulu okuvamile kanye namazinga entela aphansi kunalawo angashadi.
  • Qualing Surviviving Spoiling Spoiling Spover (i-widon): Iminyaka emibili ngemva kokufa komngane womshado, uma unomntwana oncike kuye, ungasebenzisa amazinga entela kanye nokuthelelwa okuvamile kokushelela komshado ngokubambisana.

Izikweletu Zentela Ziphikisana Neziphakamiso: Umehluko Obucayi

Many citizens confuse deductions and credits, but they work very differently.

[[AFLT:0] Izikhungo [ zinciphisa iholo lakho elikhokhelwayo. Ngokwesibonelo, uma uphakathi kwebhuloho lama-2% futhi uthengise imali ewu - R2,000 entela. Intethelekiso ibaluleke njengebhuloho lentela.

Izikweleti zinciphisa isikweleti sakho sentela ngokuqondile. Imali yokuthenga ngezimali ekugcineni entelani. Izikweleti ezikhokhelwayo[ [njenge-EITC ne-Add Retax Teaxis Treasurer) ye-Child Creaty Icesss) ingakunikeza ngisho nentengo yokukhokha uma isikweleti uma ukwedlula intela onecala. Ukukhokhwa okungakhokhwa okungakhokhwayo (njengesikhathi sokwazi ukufunda i-Incodo Yokwazi) kunganciphisa intela yakho ibe yize kodwa hhayi ngaphezulu.

Amaphutha Avamile Abangela Ukulibala Noma Aqhubeka

Ngaphandle kwamaphutha ezibalo avamile, qaphela lezi zihibe:

  • Amanani ezokulondeka kwezenhlalo anembile noma aphuthelwayo ngawe, umngane wakho womshado, noma oncike kuye], lokhu kuyisizathu esiyinhloko sokwenqaba ama-e-hele.
  • [[INDANGO] I-Failta yombiko ngayo yonke iholo []
  • Abancike kubazali abahlukanisiwe noma izihlobo ezihlala nawe]. Kukhona ukuhlala, ukusekela, nokuhlola ubuhlobo.
  • Ungasayini ukubuya[ [1] ukubuya okungasayinwanga kuthathwa njengokungasebenzi. Ama-hele e-e-agcomp kumelwe anikeze unyaka wangaphambi kwe-AGI noma i-SSN ukusayina ngomshini.
  • Usebenza ngaphansi kwesimo esingalungile[ngokwesibonelo, ukubeka iNhloko yoMkhaya uma unganikeli ngaphezu kwe 50% yezindleko zasekhaya.
  • Ukubheka ukunwetshwa kwemithetho [njengoba kushiwo, ukuhlanganisa ifayela akusona isandisi sokukhokha.

Okumelwe Ukwenze Uma Ukhokha Intela Noma Ulindele Ukubuyiselwa

Lapho Uvutha

Uma ukubuya kwakho kubonisa ukulinganisela okufanele, unezinketho eziningana:

  • Imali ekhokhelwayo ngo-April ngokukhipha izimali ze-electronic, ikhadi lokuthenga ngesikweleti, noma i-cheke. Ukukhokha ngesikhathi kugwema isijeziso [ (0,5% ngenyanga ngentela engakhokhelwa, efakwe e 25%).
  • Icela isivumelwano sokufakwa [ [[FORM:1] [-'FOR 9465] [Uma ungakhokhi ngokugcwele.] i-IRS ikhokha intela yokuhlelwa kwendlela, kodwa inzala nesijeziso kuyaqhubeka kulingana ngokulingana okungakhokhelwa.
  • Isikhonkwane ekuyekeni [ `indlela engavamile yokuzingela ingaphansi kwemali egcwele uma ukukhokha ngokugcwele kungabangela ubunzima obungokwezimali. Abakhokhi abaningi bentela abafaneleki.

Lapho Ugxunyekwe Uvuselelwa

Ama-flared akhishwa kakhulu phakathi nezinsuku ezingu-21 zokuhlola. Iphepha libuyisela amasonto ayisithupha kuya ku-8 noma ngaphezulu. Sebenzisa i-[FLT]S i-IRS “Ikuphi iRefured?”[[FLT] ithuluzi lokuthola i-screen yomkhondo. I-flat iyindlela esheshayo (i-'enza i-'eku-'jwayingx'e'e'inquisi'''?"[FLT]]] ithuluzi lokuhlola i-'engahambile'indlela.

Umlando Wokugcina Iminyaka Yentela Yesikhathi Esizayo

Ukuhlela intela ngokuhlakanipha kudinga ukubhalwa okuqhubekayo. Kuwo wonke unyaka:

  • Uma zifika, gcina incwadi yentela ibhalwe ngomshini.
  • Uma uziqasha umsebenzi, landelela izindleko zebhizinisi masonto onke.
  • Gcina amathikithi eminikelo yokupha, ikakhulukazi iminikelo engadayiswanga nge - cash engaphezu kuka - R250.
  • Hlola ukuthinte kwakho usebenzisa [[FLT: 0] Intela egodliwe ( ekhona lapha[) ukuze ugweme izimangaliso ngesikhathi sentela.

Isiphetho

Ukulungisa intela yakho kuyinto eqinisekile, ehlelekile uma ufinyelelwa ngokulungiselela okulungile. Ngokuqonda ukuthi ubani okumelwe abhale phansi, aqoqe amabhukwana aqala, akhethe indlela engcono kakhulu, futhi akhumbule amaphutha avamile, ungasebenzisa inkathi yentela ngokuqiniseka. Uma usingatha imbuyekezo yakho noma uthintana nochwepheshe, izimiso zihlala zifana: bika yonke inzuzo ngokunembile, funa yonke imali ofanelekele yona, futhi uhlangabezane nemibandela ukuze ugweme izijeziso ezingadingekile. Sebenzisa lesiqondiso njengendlela yokukhomba unyaka ngamunye, futhi intela iyoba enye ingxenye evamile yokuphatha imali yakho yomuntu siqu.