Table of Contents

Ukuqonda Izikweletu Zentela: Isiqondiso Esiphelele Sokulondoloza Imali Nokusekela Umphakathi

Izikweleti zentela zimelela enye yezindlela eziphumelela kakhulu kubantu nemikhaya ukunciphisa intela ngesikhathi esifanayo kuyilapho kukhuthazwa ukuziphatha okuzuzisa umphakathi obanzi. Ngokungafani nezikweleti ezinciphiswayo zokwenza nje imali edonswayo intela − izikweleti zentela zinikeza ihhovisi lemali encishisiwe yentela ebhavé kakhulu. Ngokwesibonelo, isikweleti sentela esingu-R3,50 (R1,50) sikusindisa kuphela izinga lentela yakho eliphansi (umz. $220, uma usesikweletini se 22%).

Ikhodi lentela lase-U.S. liqukethe izikweleti eziningi ezihloselwe ukuthuthukisa yonke into kusukela ekukhuliseni izingane kuya ekufakeni amabhodi ezinto ezisebenza ngelanga. Ukuqonda indlela yokufanelekela nokuziboleka lezi zikweletu kungasho umehluko phakathi kwemali ye-IRS ephawulekayo nokuthola imali eningi kakhulu. Ngaphezu kwalokho, izikweleti eziningi zentela ziklanyelwe ukuthuthukisa imisebenzi ezuzisayo engokwezenhlalo. Ngokufana nemfundo ephakeme, ukutholwa kwamandla avusemgangathweni ophansi, nokusekela izisebenzi ezithola imali ephansi kungavumela ukukhokha intela emphakathini kuyilapho kugcinwa imali eningi ezindaweni zazo.

Indlela Izikweleti Zentela Ezisebenza Ngayo: Imishini Eyisisekelo

Ekujuleni kwazo, izikweleti zentela zisusa ingqikithi yentela yakho. I-IRS ibala intela yakho ngokusekelwe eholweni lakho elikhokhelwayo (ngemva kokuthengiselwa) bese ikuvumela ukuba ukhiphe izikweleti ezifanele kuleyo mali. Kunezinhlobo ezimbili eziyinhloko zezikweleti zentela, ngayinye inezici ezihlukene zemali yakho engezansi.

Izimali Zentela Ezingakhokhwa

Izikweleti zentela ezingakhokhwa zinganciphisa intela yakho ibe yiziqalo kodwa kungabi yikho okunye. Uma imali yokukhokha ingaphezu kwengqikithi yentela oyikweletayo, imali eyeqisiwe ilahlekile − [1] awuyitholi imali yokuyithenga. Ngokwesibonelo, uma uboleka intela kahulumeni ekhokhelwayo futhi ufanelekela imali engakhokhelwayo engakhokhiwe, imali yakho yentela yehla ibe ngu $0,000, kodwa ulahlekelwa yimali esele. Inkongongoze evamile engancibilikisiwe ihlanganisa i-Dollar na Imali Yokweleta ebizwa nge-R3,0 (R1,50) kanye ne-Liviediotime Resolce Intery Acrence).

Intela Encomekayo

Ukuboleka okuncomekayo kubaluleke kakhulu ngoba kungaveza imali egciniwe ngisho noma ungenayo intela. Ukusebenzisa isibonelo esifanayo, uma isikweleti semali engu-R1 000 sibolekwa, ubungathola imali egcwele engama-R9 000 njenge-intellived. Imali ephambili ephawuleka kakhulu i-Inteccohorn Treaxies (EITC), ephakamisa izigidi zemikhaya esebenzayo ebumpofwini unyaka ngamunye. Ezinye izikweletu, njenge-Child Taxix Crece, ngokwengxenye ezithi Imali ebekelwe Imali (Ingxenye Engeziwe Yemali Yomntwana).

Ukudunyiswa Kwentela Okukhulu Kwabantu Nemikhaya

I - IRS inikeza izikweletu eziningi ezivumelana nezimo zokuphila ezihlukahlukene. Ngezansi kunezikweletu ezinamandla kakhulu ezifanele ukuqondwa ngonyaka wentela ka - 2024 (wafakwa ngo - 2025), kanye nezimfuneko ezibalulekile.

Imali Yentela Ekhokhelwayo (EITC)

I-EITC iyisikweleti esinenzuzo ephansi kakhulu, ikakhulukazi leyo enezingane. Ngo-2024, ukukhokha isikweleti okukhulu kusuka ku-R632 (ezingane ezifanele) kuya ku-$7,830 (izingane ezintathu noma ngaphezulu). Ukungalingani kuxhomeke emalini eholwayo, ukulinganisela kwemali ehlawulwayo, nemingcele yemali yokutshala imali. Izinga lokuthenga ngesikweleti lisuka lapho iholo linyuka. Okubalulekile, izisebenzi ezingenabantwana zingafaneleka, nakuba isilinganiso sokuthenga ngesikweleti sincane. [[FLT:]

Ukukhokha Intela Yezingane (CTC)

ICTC inikeza uR2 000 kumntwana ngamunye ofaneleka engaphansi kweminyaka engu-17 (ngo-2024). Imali engafinyelela ku-R2,700 ingatholakala nge-Adding Taxis of Children Crease. Imali yokubolekisa iqala ukudlula emibhangqwaneni ehleliwe kanye neholo elishintshwe ngokulinganayo elingaphezu kwama-R140 000 000 (R160 000). Abakhokhi bentela kumelwe bahlanganise inombolo yeNhlala-Social Secuty) futhi bathi ingane incikene.

Ukunikezwa Ilungelo Lokunakekela Ingane Nelokunakekelwa Ngokuncike Kuso

Imikhaya esebenzayo ekhokhela ukunakekelwa kwabantwana noma ukunakekela umuntu omdala oncike kuye ingakhokha lesikweleti esingakhokhwa. Ngo-2024, izindleko ezifanele zikhokhwa ngo-R3 000 kulowo ofanele umuntu, futhi u-R3 000 uma ewufanelekela kabili noma ngaphezulu. Ukukhokha kubiza 20% kuya ku-35% yalezozindleko, kuye ngokuthi kuxhomeke emalini oyikhokhayo. Ukuze ufaneleke, ukunakekelwa kumelwe kusize umkhokhisi wentela ukuba asebenze noma afune umsebenzi.

Ukudunyiswa Kwentela YaseMelika Etholakala Ngethuba Elide (AOTC)

I-AOTC inecala eliyinkokhelo yezindleko zemfundo ezifanele ngokwengxenye phakathi neminyaka emine yokuqala yemfundo yesenethi. Ukukhokhwa okukhulu ngonyaka kunguR2 500 kumfundi ofanelekayo, okungafinyelela ku-R1000. Izinga lokuthenga ngesikweleti abakhokhi abanezinguquko ezilungisiwe phakathi kwemali engu $80 000 ne $900,000 (R180 000 (R180 000) kumafayile ahlangene). Izindleko ezifanele zihlanganisa izindleko, inkokhelo, nemisebenzi. [[FLT: 0] Ukufunda okwengeziwe nge AOTC esabelweni esendaweni ye-IR.

Ukudumela Ukufunda Isikhathi Eside (LLC)

Ngokungafani ne-AOTC, i-LLC ayinamkhawulo enanini leminyaka ongayisho futhi imboze i-desidensi, ithwele iziqu, futhi ifunde ama-digri aphambili. Ayingakhomba futhi ingaba ngu-R2 000 ngemuva lentela (inani elifinyelela ku-20% lamaRandi ayizi-10 000 ngezindleko ezifanele). Ama-'divota' angenayo aphansi: $800,000/$100,000 (R10,000) kuma-efashoni elilodwa).

Ukudunyiswa Kwentela Eyimpoqo (I - Obamacarial Mustsidy)

Abantu nemikhaya abathenga umshuwalense wempilo nge-Heal Inshorence Memospital ingafanelekela i-Premium Taxis Credit. Lesi sikweleti esikhokhelwayo sikhokhwa kusengaphambili ukuze kuncishiswe imali ekhokhwayo nyanga zonke, futhi imali ivuselelwa ekuhlawuleni kwakho intela. Imali ekhokhelwayo ixhomeke emalini yomkhaya exhomeke ekutheni umpofu kahulumeni (100%-400%).

Ukuthenga Iminikelo Yokulondoloza Umhlalaphansi (Ukukhokha Komgcini - mlilo)

Izisebenzi ezihlawulwayo eziphansi nezilinganiselwe ezinikela e-akhawuntini yomhlalaphansi (IRA, 401(k), njll. zingathi lesisikweleti esingakhokhwa silingana ne R7,000 (R1 000 uma ishadile ihlangene). Izinga lokuthenga ngesikweleti lingu 10%, 20%, noma 50% weminikelo, kuye ngokuthi iholo lilinganiselwe. Ngo-2024, isilinganiso semali edonswayo sama-50% singamaRandi angu-R3 000 kuma-iphasidi elilodwa.

Amandla Aluhlaza Nezikweletu Zasekhaya Eziphumelelayo

Intela ebolekiwe isetshenziswa kabanzi ekufakeni izimali ezitshalwayo ezisendaweni ezungezile ezungezile.

Ukudutshulwa Kwamandla Ahlanzekile

Ngaphambili yaziwa ngokuthi iResidiential Effifient Eprocess Creensure, lesikweleti sihlanganisa izindleko zamashumi amathathu% zezimiso ezifanele zokuvuselela amandla, kuhlanganise nezingalo zelanga, izishisi zamanzi, ama-turbine, amaphampu okushisa okushisayo, kanye nendawo yokugcina ibhetri. Asikho isikhonkwane sedolar (indawo yokugcina ibhetri ifakwe ku-R1,000). Imali yokuthenga ikhona kokubili izindlu eziyinhloko nezimbili.

Ukuvuzwa Kwamandla Ekhaya

Abanikazi bezindlu abanciphisa amandla angasebenzi kahle − njengokufaka amafasitela angasebenzi kahle amandla, iminyango, ukuvimbela ukushisa, noma izimpompo zokwenza ukushisa − bangaziboleka imali engafinyelela ku-R3,200 ngonyaka kuya ku-2032. Isikweleti asisebenzi kodwa sidlulela eminyakeni ezayo.

Indumiso Ye - Vehicle Entsha Ehlanzekile (EVS)

Abathengi bezimoto zikagesi ezintsha ezifanelekayo (EV) bangafaka imali efinyelela ku-R3 500 ezikweletini zentela. Ukubolekisa ngemali kungaphansi kwemingcele yeholo, amanani ezimoto, nezimfuneko zokuhlangana kokugcina. Kusukela ngo-2024, abathengi bangadlulisela imali ebhayisekile kumthengisi lapho edayiswa, benciphisa inani lokuthenga.

Izimali Zebhizinisi Nezokuzifunela Intela

Abaqashi nabanikazi bebhizinisi abancane bangathenga izikweleti eziningana ukuze banciphise umthwalo wabo wentela kuyilapho betshala imali emsebenzini wabo.

Ukudunyiswa Kwentela Emsebenzini (WoTC)

Abaqashi abaqasha abantu abathile emaqenjini athile ahloselwe ukukhokhela − njengamadollar, amabhungane noma abangasebenzi isikhathi eside − bangathi banezikweleti ezisukela kuR1,200 kuya kuR160 kunoma uR160 kulowo nalowo. Imali isekelwe emholweni okhokhelwa ngonyaka wokuqala wemisebenzi futhi ihlukahluka ngokweqembu labayifunayo.

Ukucwaninga Nentuthuko (R&D) Ukudunyiswa Kwentela

Amabhizinisi ahileleke emisebenzini yokucwaninga efanelekayo angathola ikweleti elingana nezindleko zokucwaninga ezifanelekayo ezingamaphesenti angu-10. Imali inganciphisa kokubili intela evamile futhi, kwamanye amabhizinisi amancane, intela encane. Amakhasi angasebenzisa ngisho nemali yokukhokha intela ebhayisekile iminyaka emihlanu.

Ukudunyiswa Kwentela Kwezempilo Emabhizinisini Amancane

Abaqashi abanezisebenzi ezisebenza isikhathi esingaphansi kuka-25 ezikhokha okungenani ingxenye yemali yomshuwalense wezempilo yezisebenzi bangase bafanelekele ukubongwa ngamaphesenti angu-50 ezimali ezikhokhelwayo. Imali yokubolekisa ikhona iminyaka emibili elandelanayo nezinga lokukhuphuka lapho inani lezisebenzi neholo landa.

Indlela Yokuthi Uthola Izikweletu Zentela: Izinyathelo Eziwusizo

Ukuze uthenge intela kudingeka uhlele ngokucophelela, ugcine amarekhodi, futhi ulandele lezi zinyathelo zokuthola izikweleti eziningi futhi ugweme amaphutha abizayo.

Isinyathelo Sokuqala: Thola Ukuthi Ukulungele Ukuphumelela Kusenesikhathi

Izikweleti eziningi zinezilinganiso zeholo, izimfuneko ezixhomeke ku-okanye imikhawulo yomsebenzi. Hlola imithetho e-ocencenced ngaphambi konyaka-phela ukuze uthathe izinyathelo zokufanelekela (ngokwesibonelo), ufake i-akhawunti yomhlalaphansi noma ukubhalisa esimisweni semfundo efanelekayo. Sebenzisa i-IRS Publication 17 noma i-Teachtalog's Service se-pager yenkonzo yo-Intanethial ye-sethiwer seculo.

Isinyathelo 2: Butha Umnikeli

Imali ngayinye yokuboleka idinga ubufakazi bokuthi izindleko ziyafaneleka.

  • Ukwenaba: igama loMnikazi, ikheli, neTaxi I-ID noma ama-SSN; ukusula amasheke noma ama-risidi.
  • Imfundo:[[FLT:] Ifomu 1098-T esuka esikoleni; amarisidi ezincwadi kanye nezinto ezizosetshenziswa.
  • Izikweleti ezingekho emthethweni: Izitatistiki zomenzi we-create zemishini; ama-invoice abonisa izinsuku zokufakwa nezindleko.
  • Izikweleti zemali:[ Imali ebhaylobhu eqoshiwe, amathilomu okucwaninga, imali yomshuwalense wempilo.

Isinyathelo 3: Sebenzisa Izinhlobo Ezifanele Ze - IRS

Izikweletu eziningi zitholakala eSimisweni 3 (Form 1040) futhi zidinga uhlobo lokusekela. Izibonelo ezivamile zihlanganisa:

  • [[UMTL:0]EITC:[ Sebenzisa iShedyuli ye-EIC ne Form 862 uma unqatshelwa esikhathini esidlule.
  • [[Intengo yentela yezingane] Ukukhomba kwentela yezingane:[ Akukho kunamathiselwa okudingekayo ngalé kweShedyuli 8812.
  • [[UMTH:0] AOTC/LLC:[[Uhlelo:1] Ifomu 8863.
  • Izikweleti ezingekho emthethweni:[ Ifomu 5695 (Izikweleti Zezezegesi) noma IFomu 8936 (Izinsalela).
  • Izikweleti zezentengiselwano:[ Ifomu engu-3800 (Imali yebhizinisi elivamile) kanye nohlobo oluthile lokukweleta (umz., Ifomu 5884 ye-WOTC).

Isinyathelo 4: Uhele ngomshini kanye nosipelepele okabili

I-IRS igcwalisa i-software yokukhomba izibalo eziningi zemali nokuhlola amaphutha okuthenga ngesikweleti. Noma kunjalo, hlola izingeniso ngesandla . Amaphutha avamile ahlanganisa iminyaka enganembile yezingane, izinombolo ze-Social Security ezingafanelani, noma isho izikweleti ongazifanele. I-Filing ibuye ikhululeke ngesivinini, ikakhulukazi ngokunxenxa okungaphinde kubuyeke.

Izihibe Ezivamile Nendlela Yokuzigwema

Ngisho nabakhokhi bentela abazimisele kahle bangangena ezinkingeni ngezikweleti zentela. Ukuqaphela lezizindaba kungakusindisa isikhathi, imali, nokucindezeleka.

Ukuyinkimbinkimbi Nemithetho Eshintshayo

Izikweleti zentela zingaphansi kwezinguquko zemithetho-mthetho .Ngesinye isikhathi, i-Child Tax Creasure yakhuliswa okwesikhashana ngo-2021 kodwa yabuyiselwa ngo-2022. Ngaso sonke isikhathi iqinisekisa izikweleti kanye nezindawo ezizosetshenziswa ngonyaka ozokwehliswa kwentela. I-software yentela kachwepheshe noma umgcini-zincwadi ofanelekayo angasiza ekuqondiseni le mibono.

Ukuhogela Nokulinganiselwa Okungalindelekile

Izikweleti eziningi zikhiqizwa ngokuhlelwa kwemali elungisiwe (MAGI). Inzuzo elinganiselwe noma inzuzo enkulu ingakusunduzela kwibhuloho elingenisa imali eningi, ukunciphisa noma unciphise ukubola. Cabangela iholo elihambisana nezikhathi kanye nezikweleti ezihlelekile (ngokwesibonelo, ukuhlanganisa inzuzo ngonyaka ozayo noma ukwenza i-IRA igalelo elinciphileyo lokunciphisa i-MAGI.

Ukubhakuza Kakhulu Nokushaya Imali Kabili

Ezinye izindleko azinakukhokhwa ngezindleko ezifanayo. Ngokwesibonelo, awunakuthatha kokubili i-American Opportunity Taxis Credit kanye ne-Lifeme Learning Creding (Imali Yokukhokha Imfundo) kumfundi ofanayo ngonyaka ofanayo. Ngokufanayo, izindleko zemfundo ezisetshenziselwa i-AOTC azinakuthengwa futhi ngaphansi kwentengo nenkokhelo. Ukuqonda lemithetho kuvimbela ukunqatshelwa kwemidanti.

Ingozi Yokuphoqwa Kwemali Nezinxephezelo

Ukuzisholo ngokungafanele kungabangela ukuhlolwa kwe-IRS. I-EITC, ikakhulukazi, inezinga eliphakeme lephutha futhi icubungula kakhulu. Gcina wonke amaphepha asekelayo okungenani iminyaka emithathu (noma isikhathi eside kakhulu ekuboleleni amabhizinisi). Uma uthola isaziso se-IRS, phendula ngokushesha futhi unikeze imibhalo.

Ithonya Elandile Lentela

Ngaphandle kwezinzuzo zezimali ngazinye, izikweleti zisebenza njengemigomo enamandla yenkambiso yomphakathi. Zikhuthaza ukuziphatha okunciphisa izindleko zezemfundo ezithatha isikhathi eside: ukuthenga ngezimali kwandisa inhloko- dolobha yomuntu; ukukwehliswa amandla kunciphisa igesi ephumayo; i-EITC inciphisa ubumpofu futhi ithuthukise imiphumela yempilo. NgokweCentre on Bactal and Policy Pritive, iEITC neChild Traxies iphakamise abantu abayizigidi ezingu-5 ngaphezu komgxube wobumpofu ngo-2022. Ngokufanayo, ukuthenga ngezangaphandle kuye kwandisa ukunyuka okuphindwe kayishumi kwemigqa yelanga kusukela ngo-2010.

Ngokusebenzisa lezi zikweletu, abakhokhi bentela abagcini nje imali, bahlanganyela emigomweni ebanzi yezenhlalo. Kungakhathaliseki ukuthi ungumfundi, umzali, umninikhaya, noma umninibhizinisi, cishe kunemali yokukhokha intela eklanyelwe ukuvuza ukukhetha kwakho futhi isiza ukuba wakhe umnotho oqinile, ongenakuguqulwa.

Amacebiso Okugcina Okuthuthukisa Izikweletu Zakho Zentela

  • phambili: Bukeza amathuba okuthenga ngesikweleti phakathi nonyaka. Ngokwesibonelo, uma uhlela ukufaka ama-place olwenu oluzungeza ilanga, qinisekisa ukuthi umshini uhlangabezana nezindinganiso ze-create ka-seshold ka-hulumeni ngaphambi kokuthenga.
  • Sebenzisa imithombo yokulungisa intela yamahhala: Uma iholo lakho lingaphansi kuka-R64,000, uhlelo lwe-IRS Coonionary Inhome Taxior Active (VITA) lungakusiza ukuba ufune izibopho njenge-EITC ne-CTC ngaphandle kwenkokhelo.
  • Ungayishalazeli izimali zikahulumeni: Izifunda eziningi zikhokha intela yazo siqu ephelelisa eyombuso (ngokwesibonelo, izimali zemali yombuso ezizuzwe iholo noma amandla ashukumisayo. Hlola umnyango we-website kazwelonke.
  • Itshengiswa ngokuyikweleta okungasetshenziswa: Ibhizinisi elithile nokukweleta amandla kungaqhubekelwa phambili eminyakeni yentela ezayo. Gcina umzila wezikweletu unyaka ngamunye usebenzisa amabhukwana ezemisebenzi ye-IRS 380 noma 5695.
  • Funa iseluleko sochwepheshe ezimweni eziyinkimbinkimbi: Izikweleti zebhizinisi, ukutshala ugesi kaningi, noma imikhaya ehlangeneyo idinga isiqondiso esingochwepheshe. Umbhali wemali womphakathi (CPA) ogunyaziwe (EA) angaqinisekisa ukuthi uthatha yonke into ngokufanele.

Izikweleti zentela zingenye yezindlela eziqondile zokwehlisa intela yakho kuyilapho usekela imfundo, imikhaya, ukuzimela, nethuba lokuthola amandla.