Inkathi yentela ivame ukuhlanganisa ukukhathazeka kanye nethuba. Kwabaningi, umgomo ulula: nciphisa intela futhi kwandiswe noma yiziphi izikweleti ezidingekayo. Isihluthulelo sokufinyelela lokhu sisekhohlakalweni ngokuqonda nangokusebenzisa izikweleti zentela. Nokho, uhambisa imithetho egcwele, iziteshi-m, nemfuno zokubhala iziqondiso zingakhungathekisa. Lesiqondiso sinikeza indlela ebanzi, enomthwalo wokulinganisela intela, ukulinganisela intela, ukukusiza ukuba unciphise iholo lakho elikhokhwanywayo uma uhlala uhambisana ngokugcwele nemithetho ye-IRS.

Yini Engenziwa Intela?

Intela encishisiwe iyizindleko i-IRS ekuvumeleni ukuba ususe emholweni wakho omkhulu, kanjalo wehlise isamba semali ohlawulwayo esikhokhelwa intela. Umphumela uwukwehla kwemali yakho yentela iyonke. Ngokwesibonelo, uma uhola amadollar angu-60 000 futhi ukhokhe intela ewuR92 000, uzokhokhwa ngemali ewu - R4,000 kuphela. Lokhu kuhlukile kwemali [[FL: 0] yokukhokha intela [[, enciphisa isikweleti sentela yakho semali ekhokhayo-larth-larth.

Ama - ddication awela ezigabani ezintathu eziyinhloko:

  • Isiqongo esingafanele[ - isilinganiso esiyisicaba esisekelwe esimweni sakho sokuhlela
  • owehliselwe intethelensi – izindleko ezikhethekile ozidwebela kuShedynal A
  • ngalé komngcele izincopho - ushintsho emalini ongayithola kungakhathaliseki ukuthi ufaka kanjani

Ukuqonda lo mehluko kubalulekile ngoba ukukhetha kwakho phakathi kwesilinganiso esivamile nesezinto ozibhalile kuthinta ngokuqondile ukuthi wonga kangakanani.

Izinhlobo Zokukhokhiswa Intela

Izithunzi Ezivamile

Izincothulelo ezivamile yizikweli ezilula ezikhona. I-IRS ilungisa imali minyaka yonke ngenxa yokwehla kwamandla emali. 2024 unyaka wentela[ (izingalo ezigcinwe ngo-2025), izilinganiso ezivamile yi:

  • Ongashadile: U - R1 600
  • Ukuphonsa Imali Ngomshado: U - R2 200
  • Inhloko Yendlu: U - R2 900
  • Ukubhapathiza Ngokuhlukile: U - R1 600

Uma uneminyaka engu-65 noma ngaphezulu noma uyimpumputhe, ungafanelekela ukuncishiswa okuvamile. Lemali iyahlukahluka ngokuhlela. Ukuncishiswa okuvamile kuzuzisa kakhulu labo abangenazo izindleko ezanele ukuze badlule kulo mnyango. Abakhokhi abaningi bakhokhela intela basebenzisa isilinganiso esivamile ngoba akudingi ukugcina amarekhodi ngaphandle kokwazi isilinganiso sakho sokugcina imali.

Iziphuzo Eziyimijovo

Ukufaka okuthile kukuvumela ukuba ususe izindleko ezithile ngazinye. Ukuze ubhale, kufanele ufake u-A nge-Foct:1 yakho ye-Foct 1040. Izikweleti ezivamile zento zihlanganisa:

  • Izindleko zomchako kanye nomazinyo [ – ingxenye edlula kakhulu 7,5% yemali yakho elungisiwe (AGI)
  • Isimo nentela yendawo (SALT) - ifakwe uR10 000 (R150) uma ishayelwa ngokwehlukana)
  • Inzalo yemali - ku-R350 000 yetyala lesibambiso sendlu, uma ishadile ingena ngokuhlukana), ilinganiselwa
  • Iminikelo – – iminikelo yempahla ezinhlanganweni ezifanelekayo, ngokuvamile ilinganiselwe ku-60% ye-AGI ukuze ithole izipho zemali
  • Ukulahlekelwa nokweba[ – kuphela ezindaweni ezimenyezelwa inhlekelele engokomthetho

Ukunikeza kungaveza intengo enkulu kunesilinganiso esivamile uma unezindleko ezinkulu ezifanele. Nokho, kudinga ukugcina amarekhodi ngokucophelela. Kumelwe ugcine ama-lishidi, izitatimende zebhange, kanye nezincwadi ezinconywayo ezivela kuphayo.

Amagebe phezulu- kwemigqa

Futhi yaziwa ngokuthi “ukulungisa imali eholweni,” lezizikweleti zikhishwe emalini yakho yonke ukuze ufike e-AGI yakho. Akudingeki ukuba ufake izinto ezithile ukuze uzifake. Ngaphezu kwe---mune-thensi iyigugu ngoba i-AGI ephansi ingakusiza futhi ukuba ufanelekele ezinye izinzuzo zentela, njenge Intengo yethekisi noma umnikelo I-RATRY]. I-othroths eqhelekile ngenhla kwe-intenerine zihlanganisa:

  • Izindleko zokufundisa – kuya ku $300 kuthisha ngamunye ozothola izinto zekilasi
  • Inzalo yokuboleka [ – kufinyelela ku $2,500, ehambisana nenkathi yeholo
  • Iminikelo ye-IRA[ – iminikelo ye-IRA engokwesiko inganganyuswa ibe ngu-R2 000 (R1,50 noma ngaphezulu) ngo-2024, iphansi kwesilinganiso seholo
  • Iminikelo ye-Health Savings Akhawunti (HSA) – kunyuswa imali elingana no-$4,150 (R1,50) ukuze ikhokhelwe, R1,00 ukuhlanganisa umkhaya, ngeminikelo eyengeziwe yokudoba
  • Intela yokusebenza ngokuziphakamisa – ungakhokhi ingxenye yentela yakho yokuzisebenzela
  • Imali yomshuwalense wempilo oqashwe ngokuziphakamisa [ – ihlenga ngisho noma ungafaki
  • Alimony ikhokhelwe – ngezehlukaniso ezigcinelwe ngaphambi kuka-2019

Ukulinganisela ngaphezu komngcele kunganciphisa i - AGI yakho ngokuphawulekayo, okungase kwandise ukufaneleka kwakho kokunye ukukweleta kanye nokuncishiswa.

Indlela Yokukhetha Phakathi Kwezitho Ezivamile Nezitho Ezithile

Isinqumo sokuhlela noma ukuhlanganisa kuxhomeke ekubaleni okulula: iyiphi indlela ekunika ingqikithi ephelele? Nansi indlela yokukhetha:

  1. hlela ingqikithi yakho engathengwa yizinto. Yengeza zonke izindleko ezifanele: ezokwelapha (ngaphezu kwe 7.5% ye-AGI), inzalo yesibambiso sendlu, isifundazwe nentela yendawo kufinyelela ku-R1 000, izipho zokusiza, nanoma yiziphi ezinye izinto ezivunyelwe.
  2. Qhathanisa leyongqikithi kuthelini lakho oluvamile. Uma ingqikithi yempahla yakho inciphile, ukuthatha izincopho ezivamile kuwumnqobi ocacile. Uma iphakeme, ukufaka imali kuyonciphisa iholo lakho elikhokhelwa intela ngokwengeziwe.
  3. Cwangcisa “isu lokunika”. Ungashintsha izindleko kusuka onyakeni ukuya komunye ukuze ufake izinto eminyakeni eshintshanayo. Ngokwesibonelo, ungenza iminikelo yokusiza ngeminyaka emibili ngonyaka owodwa, ikuvumela ukuba unike lowonyaka, bese uthatha intengo evamile elandelayo. Lokhu kusebenza kahle ezindlekweni zezokwelapha nasenkokhelweni yempahla.
  4. meta-mali ezintelani zikahulumeni. Ezinye izifundazwe zifuna ukuba usebenzise indlela yokuthengiseka efana neyakho yokubuya kwe-guauve, ngakho hlola imithetho yezwe lakho.

Abantu abaningi banele ukuncishiswa okuvamile. Nokho, abanikazi bezindlu abanezikweleti ezinkulu, izakhamuzi zasezindaweni ezinentela ephakeme, kanye nabanikela ngokuphana bavame ukuzuza ngokufaka izinto ezithile.

Lapho Ukusebenzisa I - protein Kunengqondo

Kufanele ucabangele ukubhala phansi ukuthi:

  • Inzalo yakho yendlu kanye nentela yempahla kudlula ukuntengantenga kwakho okuvamile.
  • Wathola izindleko ezinkulu zezokwelapha (isib., ukuhlinza, ukunakekela isikhathi eside).
  • Ninikele ngeminikelo emikhulu yokupha, ikakhulukazi ifa noma indawo.
  • Walahlekelwa abantu abafa ngaphandle kokuvinjelwa ngenxa yenhlekelele eshiwo uhulumeni.

Lapho Unamathela Khona Ekukhipheni Inxeba Elivamile

Ukuncishiswa okuvamile cishe njalo kungcono uma:

  • Ungumqashi ongenasibambiso.
  • Isifundazwe sakho nezintela zendawo kuphansi.
  • Awunazo izikweleti ezinkulu zezokwelapha.
  • Iminikelo yenu yokupha incane.

Ungathatha intengo ejwayelekile ngisho noma unezindleko ezithile ezingakhokhwa − umane ushiye ukudweba. I-IRS ifuna ukuba usebenzise indlela eyodwa noma enye; ngeke uyihlanganise.

Ukunciphisa Izinjabulo Zakho Ngobuqotho

Ukuhlela intela okudinga ukukhokhwa kusho ukusebenzisa zonke izikweleti ezingokomthetho onelungelo lokuthenga ngaphandle kwehaba noma ukuhlela izindleko. Nakhu amasu aqinisekisiwe okunezela imali yakho efakiwe uma uhlala ngaphakathi komthetho:

  • Gcina amarekhodi acophelelayo. Gcina amalishi, izitatimende zebhange, izingodo, nezincwadi zokugunyaza imvume yokusiza. I-IRS ingadinga ubufakazi ngisho nangezikwehlana ezincane.
  • [[INT.0] Ukuhlanganisa ama-akhawunti omhlalaphansi. Iminikelo ye-IRA engokwesiko noma 401(k) ingaphezulu kwe-oyile-layini. Uma unikela ekuqaleni konyaka, lapho imali yakho ikhula kakhulu.
  • khulisa iHSA yakho. Uma unecebo lempilo elingcono kakhulu, usekela ngokugcwele i-Akhawunti yakho yempilo yokusindisa i-Akhawunti. Iminikelo ayisebenzi, futhi izikweleti zezindleko zezokwelapha azikho intela.
  • Isikhathi sokupha kwakho okuphayo. Iminikelo yemali edlulise umnyango wokwenza into, bese uthatha intengo ejwayelekile ngonyaka olandelayo. Sebenzisa isikhwama semali esikhokhelwe ukuze uvumelane nezimo.
  • usebenzise izindleko zezokwelapha ngesikhathi. Uma unezindlela zokukhetha noma ungahlela izindlela zokwelapha, cabangela ukuzihlanganisa ngonyaka owodwa ukuze udlule isitezi esingu 7.5% AGI. Futhi, qiniseka ukuthi uhlanganisa izindleko njengokuhamba uhamba ngokunakekela kwezokwelapha (izimonyo ezihanjwayo, ipakishi, izilinganiso).
  • Ungayishalazeli intela.” Uma unabantwana abahola imali, cabangela ukushintshela ezinye izinto egameni labo ukuze usebenzise ibhuloho labo lentela eliphansi.
  • Sebenzisa ama-akhawunti entela ekwazi ukuwasebenzisa. [nge-FS] evumelana ne-apply akhawunti yokusebenzisa ama-akhawunti (njenge-FS) ekunakekeleni okuncike noma izindleko zezokwelapha zinikeza ukuncishiswa kwemali eholweni, kodwa khumbula ukuthi “yawusebenzisa noma ulahlekelwe ngumthetho”.
  • Bheka ukuthi ugodlelana. Uma uthola njalo ama-rending amakhulu, unika uhulumeni imali ebolekwayo engenanzalo. Lungisa W-4 yakho ukuze imali engeziwe ihlale ekhukhwini lakho unyaka wonke.

Ukwandisa okubalulekile kusho futhi ukuqaphela izilinganiso . Izikweleti eziningi zincishiswa noma zisuswe njengoba inzuzo yakho inyuka. Ngokwesibonelo, inzuzo yomfundi eshicilelwe iqala ukuncipha kuma-AGI ama-IR150 000 ama-IP (R150 000) kumafayela ahlangeneyo) ngo-2024. Ngaso sonke isikhathi qinisekisa imingcele yamanje ngaphambi kokuba uthathe ukuthi uyafaneleka.

Amaphutha Avamile Okumelwe Agwenywe

Ukugwema lamaphutha kuyokusindisa ekuhloleni izindleko, ekujeziseni, nasekulahlekelweni amathuba:

  • [ Ukufuna ukugcina amalishi nemibhalo. I-IRS ilindele ukuba ufakazele izindleko uma zihlolwa. Isheke eliphenduliwe alinele ngeminikelo yemali engaphezu kuka-R250; udinga ukubhaliswa okubhaliwe kuleyo minikelo yokusiza abasweleyo.
  • Ukulinganisela izincopho. Izindawo ezivamile zihlanganisa ukukhuphukisa inani lezimpahla ezinikelwe, ithe amakhilomitha amaningi njengebhizinisi, noma ukulungisa okungaqondile njengentuthuko.
  • esola ushintsho emithethweni yentela. I-Tax Cuts no-Jobs Act (TCJA) yasusa izikweleti eziningi, njengokuthutha izindleko (ngaphandle kwezempi) kanye nezindleko zezisebenzi ezingakhokhwa. Izindleko ezivamile zicishe ziphindeke kabili.
  • Ukungavumelani nochwepheshe wentela uma kudingeka. Uma isimo sakho sihilela izakhiwo zokuqasha, ukuqasha, ukutshala imali, noma iholo langaphandle, ukuqina. I-CPA noma i-amen ebhalisiwe kungakusindisa ngaphezu kwemali ekhokhelwayo.
  • Ukukhomba ngokuphindwe kabili. Awukwazi ukuthatha kokubili izincopho ezivamile nezincane ezibekwe onyakeni ofanayo. Futhi, ngeke uthenge intengo yezindleko ozisebenzisayo futhi ekukhokheni intela (umz., izindleko zokunakekela ezincikeneyo).
  • Ukukhohlwa ngezincopho ezisesilinganisweni sikahulumeni. Izifundazwe eziningi zivumela izikweli uhulumeni kahulumeni ezingazivumeli, njengasemnikelweni wama-529 weminikelo noma insangu yezokwelapha (lapho kuvunyelwe). Hlola ukubuya kwezwe lakho.
  • Isivumelwano sokuhlehlisa. Ukuphenya ngokulungiselela intela kwandisa ingozi yamaphutha nokwehla kwenani elilahlekile. Qala ukuhlela amabhukwana akho ngaphambi kwesikhathi, ikakhulukazi ngoFebruary.

Umthetho Wentela Wamuva Uyashintsha Nencazelo Yawo Kuwe

[[Umthetho:0] Umthetho we-Tax Cut no-Jobs (TCJA) ka-2017 wenza izinguquko ezinkulu ezisasebenza ngo-2025. Amalungiselelo abalulekile athinta iziphawuli:

  • Izikweleti ezingafanele zicishe ziphindeke kabili. Lokhu kwanciphisa inani lamafayela afaka kusuka ku-30% kuya ku-10%.
  • Isiko lentela nentela yendawo (SALT) kubekwe kuR10 000. Lokhu kuthinta kakhulu izakhamuzi zezifunda zentela ephezulu njenge New York, California, ne New Jersey.
  • [ Inzalo yemali incishisiwe ngokwemali ekhokhwayo elinganiselwa ku-R250 000 [ (kusuka kuR44 000 000 000) ukuboleka imali ethathwe ngemva kuka-Dec. 15, 2017).
  • Izihluzo zokukhululeka zomuntu siqu zisusiwe. Ngaphambili ungasusa cishe u-$4,000 umuntu ngamunye; manje uma isikweli singasekho.
  • Izincopho ezihlukene ezikhishwe. Awusenakususa izindleko zomsebenzi ezingakhokhelwanga, izindleko zokulungisa intela, noma izindleko zokutshala imali.
  • Imali eshicilelwe yesikhashana. Ku- 2020-2022], kwakunenani elingaphezulu elingu $300 (R150) ku-mnubers ezingekho, kodwa esephelile. Nokho, iminikelo yemali ayikafinyeli uma ufaka into.

Ku 2024, ushintsho lokunyuka kwamandla emali lunyuse i-tectic ejwayelekile nemigodi eminingi yemali eholayo. Ngaso sonke isikhathi hlola isiqondiso se-IRS samuva e i-IRS.gov[ yezibalo zamanje eziningi. Ukuqonda lezinguquko kukuvimbela ekufuneni iziphawuli ezithene ukuthi azisakho.

Amathuluzi Nemithombo Yengcebo Yokululaza Uhambo Lwakho Lwentela

Ukulungisa amathuluzi afanele nosizo kungavala inqubo encishisiwe nokunemba:

  • [[NT.0] Isoftware yokulungisa - Izinhlelo ezinjenge TurboTax, H&R Block, neTaxislayer zokuqondisa ngezinqumo ze-sheshi. Abaningi banikeza izinguqulo mahhala zezibuyelo ezilula. Qhathanisa nokhetho ku-software yentela ye-NerdWallet[.
  • IMIRR Free Fayile - Uma i-AGI yakho ingu-$79,000 noma ngaphansi, ungasebenzisa i-software yegama lentela yezinhlamvu zegama kukhululwe nge-IRS. Ukuvakashela IFAYILE Free[.
  • Ivolunteer Indiviso yeTaxi (VITA) - usizo lwentela lwamahhala kulabo abahola u-R64 000 noma ngaphansi, abantu abakhubazekile, noma izikhulumi zesiNgisi ezilinganiselwe. Izisebenzi zokuzithandela yi-IRS-cessification futhi zingasiza ngezithena eziyisisekelo.
  • ochwepheshe bezemfundo - CPAS, amanxusa abhalisile, nabameli bentela banikeza iseluleko esiqondiswe ngokwabo. i-IRS i-Divolutions kanye neTreasures ikhasi iyindawo enegunya lokuqala ukuzifundisa.
  • I-elege ne-lips - Amaphutha anjenge-MuleIQ, Intengiselwano, ne Shoeboxbox ibhizinisi le-mayela omkhondo futhi ugcine ama-ligithi enombolo, okwenza ukuba izibalo zonyaka zingabalula.

Khumbula: Alikho ithuluzi elithatha indawo yomthwalo wakho wokuqonda imithetho. Bukeza ukubuya kwakho njalo ngaphambi kokuhlela.

Isiphetho

Ukukhokhiswa kwentela akukona nje ukwehlisa intela yakho kuphela, kungokokwenza kube nokuhluzeka kwemali, izinqumo zezezimali ezihambisana nakho kokubili umthetho kanye nemigomo yakho siqu. Ngokuqonda izigaba ezintathu zezikweleti (ozimisiwe, ezifakweyo, nezingaphezulu-ku-mgqemeni), ukukhetha indlela ekusiza kakhulu, futhi ukusebenzisa amasu aqotho anjengokuhlanganisa nokunyusa iminikelo yomhlalaphansi, ungandisa ngokuphawulekayo izindleko zakho ngaphandle kokweqa imingcele esemthethweni noma engokomthetho. Ungazi ukuthi ushintshelephi amarekhodi entela, ugcine amarekhodi aphelele, futhi unganqikazi ukufuna usizo lobuchwepheshe lapho isimo sakho siyinkimbinkimbi. Ngolwazi nangamathuluzi anikezwa kulokhu kuqondisa, uyakwazi kahle ukubhekana nenkathi yentela nokuqiniseka.