Ukuqonda Isisekelo Semithwalo Yakho Yentela

Wonke umthelisi e-United States usebenza phakathi kwemithetho echazwa yi-Internst Revolution Code. Nakuba inqwaba yemithetho yentela ingazizwa ikhungathekile, imisebenzi eyisisekelo ayiqondile uma iqhathaniswa. Ukwazi lezizici eziyisisekelo akukusizi ukugwema izijeziso ezibizayo kuphela kodwa futhi kukwenza usebenzise amathuba angokomthetho okukhokha intela. Lesiqondiso sindisa imithwalo yemfanelo ebalulekile umkhokhi wentela ngamunye amelwe ayifeze, ngamasu asebenzayo okuhlala unyaka nonyaka.

I-IRS ilindele ukuba wonke umuntu nebhizinisi bahlanganyele ngokwethembeka futhi ngokushesha esimisweni sentela. Izibopho zakho zihlanganisa ukuqoqa intela enembile, ukukhokha intela ngesikhathi, ukugcina amarekhodi aphelele, ukubika yonke inzuzo, nokubiza lezozikweleti nezikweleti kuphela ozifanelekela ngokomthetho. Ukunganaki noma iyiphi yalezindawo kungabangela ukuncitshiswa, intela, intela, kanye nemali ehlasisiwe. Masihlole umthwalo ngamunye ngokujule ukuze usebenzise inkathi yentela ngokuqiniseka.

Ukulungisa Intela Yakho: Ukulinganisela Nokunemba

Umsebenzi wentela obonakala kakhulu ukuhlela ukubuya kwakho ngonyaka. Kubantu abaningi, isikhathi esingase sidlule kancane ku-April 15, nakuba singashintsha kancane uma lolo suku lufika ngempelasonto noma ngeholide. Ukuhamba ngesikhathi kuyakhakhandla ngoba i-IRS ibheka isigwebo sesehluleko sesihlanu% sentela engakhokhelwanga ngenyanga (kuze ku-25%) uma ulahlekelwa isikhathi ngaphandle kokunwetshwa kwemvume. Ngisho nangesilinganiso kuya ku-October 15, kumelwe ukhokhe noma isiphi isikweleti sentela esilinganiselwayo ngosuku lwakuqala luka-April olufanele ukuze ugweme inzalo nesijeziso.

Ukukhetha Indlela Efanele

I-IRS inikeza amafomu amaningana afanelana nezimo ezihlukene. Ukukhetha eyakwesokudla kuyisinyathelo sakho sokuqala esiholela ebuyeni eliqondile:

  • FORm 1040 - Inkokhelo evamile yomuntu ngamunye eholwayo, esetshenziswa yinqwaba yabakhokhi bentela. Ihlanganisa yonke iholo, izikweletu, nezikweletu.
  • [[UMTH:0] IForm 1040-SR – Iklanyelwe abantu abadala abaneminyaka engu-65 kuya ngaphezulu, enesinyatheliso esikhulu neshadi lokuthengiselwa elivamile elivame ukuhlobisa uqwembe.
  • [[UMTH:0] IFORm 1040-NR - - Kudingeka izihambi ezingabangeni ndawo ezithola iholo le-U.S. noma ezihileleke emsebenzini noma ebhizinisini e-United States.
  • [[UMTH:0] IForm 1065 – isetshenziswa ngamasheya (kuhlanganise ne-LLCs ekhokhiwe njenge-auntene) ukubika iholo, izikweletu, inzuzo, nokulahlekelwa. Omashadikazi bathola iShedyuli K-1.
  • [[UMTH:0] FORm 1120 – Intela yeholo yenkampani ibuya ngenkampani ka C.

I-IRS inikeza iziqondiso ezihluzekile ku-Form 1040 kanye nezinguquko zayo. Uma isimo sakho siyinkimbinkimbi `njengebhizinisi', ukuthola iholo langaphandle, noma ukuba nezakhiwo zokuqasha eziningi, noma ukuqasha uchwepheshe wentela ngaphambi kokukhetha amafomu kungavimbela amaphutha.

Ukuphenya i-E-Filing v. Ukufisha iphepha

I-IRS itusa kakhulu i-packell (e-hele-e-hele) enciphisa amaphutha, isivinini sokulungisa, futhi inikeza isiqinisekiso esisheshayo. Abakhokhi bentela abaningi bafanelekela u-e-hele Free File ngohlelo lwe-IRS Free File uma iholo labo elilungisiwe lingu $79 000 noma ngaphansi. Ama-face amapheshala kumelwe abe nokucophelela; iphutha lezibalo elilula lingase libambezele i-frest noma lisungule isaziso.

Ukukhokha Intela Ngendlela Ehlelekile

Ukubuyisa kuyingxenye yempi kuphela, futhi kudingeka ukhokhe noma isiphi isikweletu osikweletayo. I-IRS ilindele ukukhokha ngokugcwele ngesikhathi esimisiwe, kodwa inikeza izindlela eziningana zokwenza ukuthobela kube lula:

  • Imali ekhokhelwayo - Inkonzo yamahhala ekuvumela ukuba uyikhokhe ngokuqondile ekuhloleni kwakho noma ekugcineni i-akhawunti. Uhlela inkokhelo kuyi-intanethi futhi uthola isiqinisekiso ngokushesha.
  • [[NTL:0] Imali noma Ikhadi lokuthenga ngokuthenga - Ungakhokha ngengxenye yesithathu evunyelwe. Qaphela ukuthi abaqondisi bakhokhela imali ekhokhelwayo (ngokujwayelekile 1.87% kuya ku-235% yenani lokukhokha).
  • [[UKWENZIWA:0] Imali ebotshelekayo ne-" - Uma u-e-hele, ungagunyaza i-IRS ukuba ikhiphe inkokhelo e-akhawuntini yakho yasebhange ngosuku oluzayo olushoyo.
  • Isivumelwano sokufaka - Uma ungakhokhi ngokugcwele, ungacela uhlelo lokukhokha. Amasu esikhathi esifushane (izinsuku ezingu-180 noma ngaphansi) anezintela eziphansi. Amasu esikhathi eside adinga ukukhokha kanye nenzalo ayaqhubeka eqhubekela phambili.
  • Isikhonkwane ekuyekeni [ - Indlela engavamile kubathengisi bentela abangakwazi ukukhokha isikweletu sabo esigcwele sentela futhi bahlangabezane nemithetho eqinile yezinkinga zezimali. I-IRS ikhokha imali engaphansi kwemali ebolekiwe.

Izijeziso ezikhokhwayo ziyasebenza uma ukweleta imali engaphezu kuka-R1 000 futhi ungenayo imali eyanele egodliwe noma ubeke isilinganiso esanele sokukhokha phakathi nonyaka. Ukuze ugweme lokhu, lungisa ukugodla kwakho nge-Form W-4 noma wenze izindleko ezilinganiselwa ngokwekota usebenzisa Ifomu ye-1040-S.

Ukuqopha Irekhodi: Isekela Lenhlangano Yentela

Ukugcinwa kwemali ngokunembile akuyona into efunwayo ngokomthetho. Amarekhodi akho kumelwe asekele wonke inani lapho ubuya. I-IRS ngokuvamile ineminyaka emithathu kusukela esikhathini sakho sokubhala ukuze ihlole ukubuya kwakho (noma iminyaka eyisithupha uma ungawubiki umholo ngo-25%). Uma uhluleka ukubhala phansi, awukho umthetho wokulinganiselwa.

Okufanele Ukugcine Isikhathi Eside

Nalu uhlu oluwusizo:

  • Izincwadi ezifikayo[ – W-2s, 1099 (ukukhululeka, isivumelwano, inzalo, inzuzo, ukuhanjiswa komhlalaphansi), kanye ne K1.
  • [[NT.:0] Intela yentela yempahla, kanye nezindleko zezisebenzi (uma zikhona).
  • [ Amarekhodi angenisayo – izitatimende ze Brokerage zibonisa isisekelo semakethe, izibopho, imali, kanye nendawo.
  • Izitatimende zamakhadi okuthenga ngesikweleti - Usizo luqinisekisa izindleko uma ama-risidi elahlekile.
  • [[UMTH:0] Unyaka ubuyisela intela [ - Gcina amakhophi okungenani iminyaka engu-7 uma ufuna ukudlulisa noma ukukhomba izibalo ezidlule.

I-IRS itusa ukuba kugcinwe amarekhodi iminyaka emithathu kusukela ngosuku owafaka ngalo ibuye lokuqala (noma iminyaka emibili ukusuka osukwini owakhokha ngalo intela, noma yiyiphi kamuva). Impahla enjengekhaya noma indawo yokutshala izimali, gcina amarekhodi kuze kuthengiswe impahla eminyakeni emithathu ngemva kokubuya kwalonyaka.

Ama-wildbs. Ukugcinwa kwephepha

Amarekhodi emishini ayamukeleka. Amaphepha e-scan amaphepha agcinelwe indawo ephephile ephepheni noma eyimfihlo eyimfihlo. I-IRS yamukela izithombe ze-electronic uma nje zikhona futhi ziphelele. Njalo gcina i-seculo.

Ukubika Yonke Imithombo Yemali Eyinzuzo

Ikhodi lentela lifuna ukuba ubike “yonke inzuzo evela kunoma yimuphi umthombo,” ngaphandle kokuba ikhishwe ngokomthetho ngokuqondile. Lokhu kuyimfuneko ebanzi kunokuba abaningi beqaphela. I-IRS ithola amakhophi emibiko yeholo (o-W, 1099) kubaqashi, izikhungo zezimali, namakhasimende. Izimiso zokuthunga ifulege zingaphikisana kalula.

Imithombo Yemali Evamile Nangaphezu Kwayo

  • [[IMIFULY:0] Imali, iholo, intela[ - Ikhankanyiwe nge-Forw W-2. Hlanganisa yonke imali nemali engakhokhiwe ngenyanga ngaphezu kuka-R2.
  • Iholo lemisebenzi yokuzilibazisa – Inkululeko, umnotho, ibhizinisi elincane, neholo lenkokhelo elizimele (kubikwa ngo 1099-NEC noma 1099-K).
  • [ Iholo elingenisayo – Isithakazelo (1099-INT), inzuzo (1099-SV), inzuzo enkulu etholakala ngokuthengiselwa amasheya noma impahla (1099-B).
  • Iholo lemali - Bobabili intela yemali kanye nenani elifanele lezentengiselwano zezinkonzo noma impahla etholiwe eqashiwe.
  • Inzuzo edluliswayo – I-IRAS, 401(k) ikhokhela (1099-R).
  • Isimo kanye nentela yendawo -- Uma ufaka izikweleti ezithenjiwe ngonyaka odlule, ungadinga ukubika i-acensi ebuyiselwe njengeholo.
  • Isikweletu sokuthethelela [ – Uma umbolekisi esula isikweletu esingaphezu kuka $600, uthola i-Form 1099-C futhi kumelwe ubike intethelelo njengemali ngaphandle kokuba isetshenziswe (umz., ngokuncibilikisa).
  • [ Iholo lemali – imali ezuzwe ngemisebenzi engenzelwanga inzuzo (umz., ukuthengisa imisebenzi yobuciko ngezikhathi ezithile) kumelwe kubikwe, nakuba izindleko zingalinganiselwe.
  • [ Intengiselwano yokuthengiselana - i-IRS iphatha ukufihla imfucumfucu njengempahla. Ukuthengisa, ukuthengiselana, izimayini, imivuzo yokuthunga, namachashaza asemoyeni zonke ziyizenzakalo ezikhokhelwayo. Kumelwe uzibike ngokubuya kwakho, ngisho noma ungamukeli u-1099.

Uma wenza noma yimuphi walemisebenzi, gcina amarekhodi anemininingwane. I-IRS Umbiko 17 [ inikeza isiqondiso esibanzi kulokho okubalulekile njengemali eholwayo nakungakhishwa.

Ukuqinisa Iziqu Nezikweletu Ngokomthetho

Izikhungo zinciphisa iholo lakho elikhokhelwa intela, kuyilapho izikweleti zinciphisa imali yakho yentela ye-dollar. Ukuqonda umehluko nokuthola ukuthi yini ofanelekela yona kungakusindisa izinkulungwane.

Ukuhlanganisa okuvamile

Ngo-2025, intengo efanelekile ingu - R25 000 kumafayili abhaliwe, amaR22 500 emakhanda endlu, kanye nama-$30 000 emibhangqwana eshadile eqoqa ndawonye (ihlelwe minyaka yonke ngenxa yokwehla kwamandla emali). Uma ingqikithi yezinto oziqongelele (isithakazelo semali etholiwe, isifundazwe nentela yendawo kufinyelela kuR9 000, iminikelo yokusiza, izindleko zezokwelapha ezingaphezu kuka-7,5% we-AGI) zidlula intengo edingekayo, ukulinganisela inzuzo.

Intela eningi ngephutha icabanga ukuthi ukukhokha imali ekhokhwayo kuhlale kungcono.

Izindaba Eziyinhloko Zentela Okumelwe Zicatshangelwe

  • Imali ehlawulwayo yentela (ETC) - Ilungelo elifanele lezisebenzi eziholayo eziphansi ukuya ezilinganiseleni, ikakhulukazi lezo ezinezingane. Ukuphumelela kuxhomeke emalini ehlawulwayo nemali ehlawulwayo. Imali engalingana ne $7,830 ngo-2024 ngemikhaya enabantwana abathathu noma ngaphezulu.
  • [ Ityala lentela yezingane (CTC) - Uphezulu ku $2,000 [R1 000] kumntwana ngamunye ofaneleka engaphansi kweminyaka engu 17, efinyelela ku-R1,80 eliphindeka njenge-Interst yoMthombe wezingane oMkhulu.
  • [ American Opportunity Tax Creding [[AOTC]] – Kusukela kuR2,500 kumfundi ofanelekayo eminyakeni emine yokuqala yemfundo ephakeme. 40% iyabuyiselwa.
  • [[FLT: 0] Ithuba Lokufunda Imali (LLC) - U-R2,000 ngemuva ngezifundo eziphansi, ezithweswe iziqu, noma ezikhokhelwayo. Akukho mngcele eminyakeni.
  • [[Umthetho:0] Imali yokungangenwa [ – Imali yokubopha iminikelo yomhlalaphansi efinyelela ku 50% (ukwehlela kuR2,000) yezisebenzi eziholayo ezinikela ku-IRA noma 401(k).
  • Ingane ne-Defent Care Creer - Ikhomba ingxenye yezindleko zokunakekela izingane ezineminyaka engaphansi kwengu-13 noma ezikhubazekile, ikuvumela ukuba usebenze noma ufune umsebenzi.

Njalo qinisekisa ukuvuleka kwakho ngokucophelela. Ukuzibopha ngokuthi awukufanelekeli kungabangela ukuncintiswa nokukhokhwa kanye nezijeziso. Sebenzisa isheya kanye nezindawo zokubopha [[FLT: 1] njengephuzu lokuqala.

Ukuhlala Unoshintsho Lomthetho Wentela

Ikhodi lentela alikho ngokomthetho ongathi usebenze. Izimfuneko zomthetho zikhipha amazinga, izikweletu, izikweleti, nezimfuneko zokuhlela kaningi. Izinguquko eziphawulekayo zamuva zihlanganisa ukulungisa ukwehla kwamandla emali, ukulungisa imithetho ye-akhawunti yomhlalaphansi ngaphansi koMthetho we-SECURE, kanye nezimfuneko ezintsha zokubika ezikwehliswa kwesithathu (umz., Pachal, Venmo) ezikhipha iProgram 1099-K yebhizinisi elingaphezu kuka-R1000 (ngo-2024) kanye no-R360 (ufaka isikondondolo).

Indlela Yokuhlala Unolwazi Ngaphandle Kokweqisa

  • Zibophelele kwi IRS Taxips Titles I-imeyili yephepha leposi e IRS.gov
  • Bheka i - IRS ethi “Yini Eshisayo” emakhasini awo ephepha ukuze uthole izixwayiso mayelana nezinguqulo ezintsha noma isikhathi esimisiwe.
  • Landela imithombo yezindaba zentela enedumela elihle njenge ` I-AICPA Intela Ingxenye noma i-Foundation yeThreace.
  • Cabangela ukusebenzisa izinhlelo zekhokhiso ezingochwepheshe ezizivumelanisa noshintsho lomthetho.
  • Yiya esitolo sosizo soMtapo we - IRS uma sinikezwa endaweni yakini.

Uma isimo sakho sezimali sishintsha kakhulu − umshado, isehlukaniso, ukuzalwa kwengane, ukuqala ibhizinisi, ukuthuthela esifundazweni esisha(-reena i-aspective relation translate translate directors) uma ubheka indlela umthetho wentela osebenza ngayo ezimweni zakho ezintsha. Ukuhlolwa konyaka waphakathi ne-CPA noma i-amperectary kungavimbela ukumangala ngesikhathi sokuzigcina.

Izimo Ezikhethekile: Intela Elinganiselwayo Nokuziphilisa

Uma uzisebenzela, ukhululekile, noma unemali enkulu yokutshala imali ongayigodlelanga, cishe kudingeka ukhokhe imali yentela ngokwengxenye yesine. I-IRS ifuna ukuba ukhokhe okungenani amaphesenti angu-90 emali yakho yentela yeminyaka edlulile noma 100% yentela yeminyaka yangaphambi (1010% uma iholo lakho elikhulisiwe lalingaphezu kuka-R150 000) ukuze ugweme isijeziso.

Isilinganiso senkokhelo silinganiselwa kane ngonyaka: April 15, June 15, noJanuary 15, September 15, no-15 ngonyaka olandelayo. Ungakhokha nge-inthanethi nge-IRS Directal Precitural System (EFTP). Ukuhluleka ukukhokha imali eyanele kungaphumela ekukhokheni isigwebo esiphansi ngisho noma uhlala ngesikhathi sentela.

Abantu abazisebenzelayo baboleka kokubili izingxenye zentela ze-Social Security ne-Medicara (15.3% ezisenethini ezikhokhelwa iholo le-Social Security, kanye no-0.9% owengeziwe, iMedicare surmax kuhholo eliphezulu). Yingakho ukuhlela okufanele.

Ukufuna Usizo Lochwepheshe Lapho Kudingeka

Nakuba abakhokhi bentela abaningi bekwazi ukusingatha inzuzo yabo siqu, ngokuvamile ukuba yinkimbinkimbi kudinga ubuchwepheshe. Cabangela ukuqasha umgcini - mali (CPA), ummeli osemthethweni (EA), noma ummeli wentela uma ukhona:

  • Inebhizinisi noma izakhiwo zokuqasha.
  • Thola imali evela kwamanye amazwe noma ube nama - akhawunti ebhange akwamanye amazwe (FBAR).
  • Wazisa umuzi, izinto ozizuze njengefa, noma wabhekana nesenzakalo esibalulekile ekuphileni.
  • Kuhileleke kwezohwebo noma emayini okungaqondakali.
  • Kuye kwaziswa ngohlelo lokuhlola i - IRS noma kuye kwatholakala izikweletu zentela ezingaxazululiwe.

Uchwepheshe angakusiza ukuba uhlele ibhizinisi ukuze unciphise izintela, uqiniseke ukuthi uyayilalela futhi uyimelele phambi kwe - IRS uma kudingeka.

Isiphetho: Ukwakha Intela

Ukukhokha intela akuyona indlela yokubamba ngekhanda yonke imithetho, kungokokuqonda imithwalo yakho yemfanelo kanye nemikhuba yokwakha ekwenza uhlale uthobela. Isikweleti, ngesikhathi, khokhela ikweletu, gcina amarekhodi amahle, ubike yonke iholo, futhi ufune ukuthengwa okufanelekile. Ungazi ukuthi ushintshe kanjani, futhi unganqikazi ukufuna isiqondiso sochwepheshe lapho isimo sakho siyinkimbinkimbi.

Ngokuphatha izintela njengenqubo yonyaka ejikelezayo kunokuba ulwele unyaka, unciphisa ukucindezeleka, ugweme izijeziso, futhi ugcine imali yakho enzima. Intethelelo yakho iyisici sezimali; yiphathe kahle njenganoma yiliphi elinye ibhukwana elibalulekile.