Ukuqonda Isibopho Sakho Sentela Njengesikhulumi

Inkululeko inikeza ukuvumelana nezimo nokuzimela, kodwa futhi ihambisana nemithetho ehlukile yentela yentela. Njengomuntu ozisebenzelayo, ngokuvamile kudingeka ubike yonke inzuzo etholakala emsebenzini okhululekile, kungakhathaliseki ukuthi uthola iForm 1099-NEC noma cha. I-IRS ilindele ukuba ukhokhe kokubili intela yeholo nentela yokuzisebenzela. Ngokungafani neminikelo ye-W-2, unomthwalo wemfanelo wentela egcwele yemali ye-nethilova.

Izibopho ezibalulekile zihlanganisa:

  • Ukubika yonke imali eholwayo, kuhlanganise nemali ekhokhwayo nezindleko ze - computer (Paijal, Venmo, njll).
  • Uhlelo lokufikisha C (noma iShedyname C-EZ uma kufaneleka) eceleni kwe-For 1040
  • Ukukhokha intela yokuziqasha kusetshenziswa i - Scheme SE
  • Ukwenza isilinganiso senkokhelo yentela [ uma ulindele ukukhokha okungenani uR1 000 ezintela
  • Ukugcina izincwadi nemibhalo enembile okungenani iminyaka emithathu

Ukwehluleka ukuhlangabezana nalezizibopho kungaphumela ekujezisweni, isithakazelo, kanye nokuhlola. Abavuni abaningi bayamangala ukuthi ngisho nezinga elincane zivusa lezimfuneko. I-IRS inikeza isiqondiso esiningiliziwe ku Publication 334: I-Ace Guide for Small Business[.

Ukukhetha Izindlela Nezimiso Ezifanele Zentela

Freelancers kumelwe isebenzise ama - IRS ambalwa angaphezulu kwesilinganiso se - 1040. Ukusebenzisa amafomu afanele kubaluleke kakhulu ukuze kugwenywe amaphutha futhi kuncishiswe isilinganiso esiphansi.

Ifomu 1040

Lena i-info yentela ekhokhelwayo ye-opencancers. Isebenza njengesisekelo sokubika ingqikithi yemali oyitholayo ngemva kokulungisa nokuthengiseka. Uma usebenza, uzohlanganisa izinhlelo ezengeziwe.

Isimiso C (Inzuzo Noma Ukulahlekelwa Ebhizinisini)

Yilapha lapho ubika khona izindleko zakho zamahhala nemali encishisiwe yebhizinisi. Amathikithi ayinhloko ahlanganisa amarishi amabi, izindleko zezimpahla ezithengiswe (uma zifanelekile), nezindleko zebhizinisi ezivamile. IShedyuli C ibala inzuzo yakho yenetha, egeleza i-Form 1040 futhi inquma isisekelo sakho sentela yokusebenza.

  • Ilayini 1 - Iholo eligcona elivela kuyo yonke imithombo ekhululekile (lihlanganisa zonke izinhlobo 1099-NEC kanye ne 1099-K)
  • [[UMTL:0] Ilayini 8 – Ukukhangisa nokukhushulwa
  • Ilayini 18 – Izindleko zehhovisi
  • Ilayini 30 – ukusetshenziswa kwebhizinisi ekhaya (uma kufanelekile)
  • Ilayini 48 - Izindleko eziphelele, ezisusiwe ku-bir ukuze kutholakale inzuzo yenetha

Iqophelo SE (Intela Yokuzimela)

Sebenzisa lesimiso ukubala intela yakho siqu. Intela iyi-15% eholweni le-nat efinyelela emalini ye-Social Security (ngo-2025, R120,100) kanye no-2.9% kuyo yonke imali enenethi phezu kweyamaMedicare. Okunye okungu 0.9% Medicare surbax intela ingafaka isicelo kubanindi abaphezulu.

Ifomu le - 1040-A (Intela Ehloniphekile Yabantu Ababodwa)

Uma ulindele ukuba ukhokhe imali engu - R1,000 noma ngaphezulu, kumelwe ukhokhe isilinganiso sekota.

I-Freelancers enezinye ibhizinisi noma ezisebenza njenge-LLC zingadinga futhi ukufaka i-FOLT Fum 1065 noma Form 1120-S, kodwa kunoma yiliphi ipropixers, izakhiwo ezintathu ezingenhla zanele. I-IRS’S [[FLT:] iSiqondiso se-PUMTY]'S yebhizinisi elincane[[ iyindawo enhle kakhulu yokukhetha.

Ukuqinisa Izithunzi Zomuntu Ngamuntu Ozicabangelayo

Izikhungo ziyithuluzi lakho elinamandla kakhulu lokunciphisa iholo elikhokhelwayo. Abakhokhi bavame ukungazinaki izindleko ezingokomthetho. Ngezansi kunezici eziningi ezivamile((fusedrose) futhi ngezinye izikhathi ezingacacile kakhulu.

Ukukhishwa Kwehhovisi Lasekhaya

Uma usebenzisa ingxenye ethile yekhaya lakho kuphela futhi njalo ebhizinisini, ungasusa izindleko njengenzalo yesibambiso, intela yokuqasha, izinto eziseceleni, i-inthanethi, kanye nokulungisa. I-IRS inikeza izindlela ezimbili:

  • Indlela ekhulisweyo:[ U-R34 ku-skwele sobubanzi be-intshi ye-ofisi, ngamamitha-skwele afinyelela ku-350 (ubukhulu obungu-R1,500).
  • Indlela ejwayelekile:[ izindleko zangempela zikhuliswe ngamaphesenti ekhaya lakho elisetshenziselwa ibhizinisi. Lokhu kungaveza izikweleti ezinkulu uma unezindleko eziphezulu zasekhaya.

Khumbula: Isikhala kumelwe sibe indawo yakho eyinhloko yebhizinisi futhi sisetshenziselwe umsebenzi kuphela. Ihhovisi lasekhaya elizinikezele liyafaneleka; ngokuvamile itafula lasekhishini alisebenzi ngaphandle kokuba ungasebenzisa umsebenzi okhethekile.

Ukuhamba Nezokudla Kwebhizinisi

Izindleko zokuhamba ezidayiswa kuphela ebhizinisini azikho nele. Lokhu kuhlanganisa imali yezindiza, amahhotela, izimoto eziqashayo, kanye namaphesenti angu-50 okudla kwebhizinisi (ngaphandle kokuba uhambe ebusuku futhi ukudla kuthengwa esitolo sokudla) uma kunjalo ikhulu elinamashumi amabili namahlanu angancishiswa ngaphansi kwemithetho ye-IRS yesikhashana kuya ku-2025). Ngaso sonke isikhathi gcina amarisithi futhi ubhale injongo yebhizinisi.

Izinto Ezisetshenziswayo

Ungasusa i-erromet (amakhomphyutha, amakhamera, abanyathelisi), izikhokhelo zesoftware, izimpahla zamahhovisi, kanye nemali yocingo ehlobene nebhizinisi. Ukuthengwa kwemishini emikhulu kungadinga ukuba kube [ okufinyelelwe [ eminyakeni eminingi ngaphandle kokuba usebenzisa i-sethi ye-lixpending, ekuvumela ukuba ususe izindleko ezigcwele ngonyaka wokuthenga (ngokuyisilinganiso). Ngo-2025, i-Calture 179 inguR220 000.

Ama - Premium Empilo

Abantu abazisebenzelayo bangasusa % yemali yomshuwalense wezempilo kubo, koshade nabo, nakokuncikene nabo. Lokhu kuthathwa kuShedyuli 1 ye-Freme 1040 futhi akudingi ukufakwa izinto ezithile. Nokho, awunakukwazi ukukhokha imali encitshiswe uma ufanelekela umqashi ongcono kakhulu emsebenzini womngane womshado.

Iminikelo Yomhlalaphansi

Iminikelo ye-SEP IRAS, i-SIMPLE IRAS, noma i-alo 401(k) ayikho. Ngo-2025, i-SEP IRA ifinyelela ku-25% yeholo lemali yokuzisebenzela ngenetha, igawulwe ngo-R270. Iminikelo ingakhuphuka ngisho nangaphezulu uma wenza kokubili iminikelo yezisebenzi nomqashi.

Ezinye Izindleko Ezingakholeki

  • [[ART:0] umshuwalense wezebhizinisi (ukunethezeka, ukuqagela okukhokhelwayo)
  • Izinkonzo zomsebenzi (ukubhala, ukugcina incwadi, ukugcina izincwadi)
  • Ukuphawula nokukhangisa (ukungenisa, izikhangiso zezokuxhumana zomphakathi, amakhadi ebhizinisi)
  • Imfundo nokuqeqesha[ (amakhonsathi, iziqinisekiso, izincwadi ezihlobene ngokuqondile nekhono lakho lokukhululeka)
  • Intela yezemisebenzi nenzalo kuma-akhawunti ebhizinisi noma kumakhadi okuthenga ngesikweleti asetshenziselwa ibhizinisi kuphela
  • Izindleko zeVehicle – kungaba izinga elivamile lemayile (R1,50 ngo-2025) noma indlela yangempela yezindleko

Khumbula: Ungasusa izindleko [[FLT: 0] ezivamile nezidingekile [ emsebenzini wakho noma ebhizinisini lakho. i-ISCIR transcription 535[ inikeza isiqondiso esibanzi ezindlekoni zebhizinisi.

Ukugcina Umlando Onembile: Ukuzivikela Komqaphi Okhululekile Kungcono Kakhulu

Ukugcina imali egciniwe akugcini nje kuphela ngesikhathi sentela kodwa futhi kuvikela uma kwenzeka ubhaliswa. I-IRS itusa ukuba ugcine amarekhodi okungenani iminyaka emithathu kusukela osukwini obhala ngalo ukubuya kwakho (noma iminyaka emibili kusukela lapho ukhokha intela, noma nini kamuva). Impahla enjengemishini, gcina amarekhodi kuze kube yilapho ukwehla kwemali kuphele iminyaka emithathu.

Okumelwe Kulandelelwe

  • Yonke imali (ama - invoice, izimali ezigciniwe ebhange, izitatimende zokukhokhela imishini)
  • Izindleko zebhizinisi (amasheya, izitatimende zamakhadi okuthenga ngesikweletu, amasheke aphelisiwe)
  • Amapulangwe (kuhlanganise nosuku, injongo, ukuqala/ukubhala ama - odometer afundwayo)
  • Izilinganiso zehhovisi lasekhaya nezindleko zesimiso sokusebenza
  • Amakhophi azo zonke izikhokhelo zentela nezimiso ezisekelayo

Amathuluzi Okugcina Ukulandisa Kulula

Isebenzisa i-software yokuhlola enjenge-Quick Books Self-Employd, Fresh Books, noma Magange (ekhululekile) ingakuholela futhi ilandele umkhondo wezindleko. Izinhlelo eziningi zikuvumela ukuba uthathe izithombe bese uzilinganise. Ukuze uthathe ama-mayile, ama-apps anjenge-MileQ noma i-Studize Traxies ikwazi ukuzilolonga i-ds. I-Clover (I-Google, Preadbox) isiza ukuba amakhophi omshini ahlale ehleliwe.

Ukuhlukana nezimali kwenza kube lula ukuthola izindleko futhi kuqinise izindleko zakho zokukhokhela izindleko zebhizinisi.

Ukuqonda Kwakulinganisela Intela Ebhakwayo: Isikhathi Esingakanani Futhi Kangakanani

Ngenxa yokuthi abakhokheli abangazikhokhi izintela, i - IRS ifuna ukuba ukhokhele intela yakho ngezindleko ezilinganiselwa kane. Ngokuvamile izikhala ziphela ngo - April 15, June 15, September 15, noJanuary 15 wonyaka olandelayo. Uma kukhokhelwa amazwe angesonto noma ngeholide, ziya ebhizinisini elilandelayo.

Indlela Yokubala Imali Elinganiselwayo

Sebenzisa iFom 1040-ES, ehlanganisa ikhasi lebhuloho lokulinganisela intela yakho yaminyaka yonke. Kuzodingeka usebenzise iholo lakho le-freeter, izikweleti, intela yokuthenga izikweleti, nentela yokuzisebenzela. Abahlwishi abaningi basebenzisa “itheku eliphephile”: ukukhokha okungenani 100% wemali yentela yonyaka owenzeke wakho (10,10% uma iholo lakho elilinganiselwe lalingaphezu kukaR150 000). Lokhu kugwema izijeziso ezingaphansi kwenkokhelo ngisho noma iholo lakho lamanje liphakeme.

Ngakolunye uhlangothi, ungahlela iholo lakho ngonyaka ikota ngayinye, ukhokhela ngokwemali yakho yangempela kuze kube manje. Lokhu kuwusizo kwabakhululekileyo abathola imali ehlukahlukene kakhulu.

Ungakhokha intela elinganiselwa kuyi-inthanethi nge-IRS Direct, i-Electronic Federal Taxial System (EFTPS), noma ngokuthumela isheke nge-Form 1040-ES projecter. UHulumeni olinganiselwa ukuthi udinga futhi ukukhokha intela nge-IRS Directive, hlola umnyango wemali kahulumeni wakho.

Amaphutha Avamile Ayatholakala (Nendlela Yokuwagwema)

Ngisho nezikhonkwane ezinolwazi ziyashelela. Nazi izingibe eziphambili nendlela yokuzigwema:

  • Ngaphandle kwemali ekhona: I-IRS ithola amakhophi azo zonke izakhiwo ze 1099 kanye nezinhlobo ze 1099-K. Ukuhhola iholo elivela kumakhasimende amancane noma imisebenzi yemali kungabangela ukubhaliswa kwemali. Njalo bika imali ehholo.
  • Ukuhlanganisa izimali zomuntu siqu nezebhizinisi: Lokhu kwenza ukugcinwa kwamarekhodi kungabi nanzuzo futhi kuphakamise amaflagi abomvu. Gcina ama-akhawunti ahlukene futhi ungakhokhi izindleko zakho nge-akhawunti yebhizinisi.
  • I-Misting Ilinganisela i-freauding lines: Ngisho noma ukweleta imali encane, ukulahlekelwa isikhathi sokubhalisa kungaphumela esijezisweni se 0,5% ngenyanga ngenani elingakhokhelwanga. Beka izikhumbuzo zekhalenda.
  • [[FLT: 0] Ukubuka iHhovisi Lasekhaya: Abakhululi abaningi bayakugwema ukulifuna ngoba besaba ukuxilongwa. Uma ufanelekela, kungumngcele osemthethweni. Mane nje qinisekisa ukuthi uhlangabezana novivinyo olusetshenziswa kuphela.
  • Awubhikishi ngoba awukwazi ukukhokha: Isijeziso sokufakwa kwemuva (inani elingamaphesenti angu-5 ngenyanga) sibi kakhulu kunesijeziso senkokhelo yokugcina (0,5% ngenyanga). Njalo bhala ngenkathi, ngisho noma ungakhokhi imali ephelele. Khona - ke hlela isivumelwano sengxenye ne-IRS.
  • [ Izwe eliqamba intela nentela yendawo: Izifunda eziningi zinentela yazo yeholo, intela ekhokhelwayo, noma intela yemali enkulu. Amanye amadolobha ayazintela ye-vy emholweni webhizinisi. Hlola izimfuneko zikahulumeni wakho zisekhohlokile.

Intela Ezuzisa Abakhululeki

Nakuba izikweleti zinciphisa intela ekhokhwayo, izikweletu zinciphisa imali yakho yentela yemali ebhangiwe. Abakhokhi benkokhelo abakhululekile bangase bafanelekele lemali yokukhokha eyigugu:

  • Inkokhelo yentela ehlawulwayo (ETC): Ikhona kuzisebenzi ezihhhalelwayo eziphansi nezilinganiselwe, kuhlanganise nabantu abasebenza bona. Isikweleti singaba sesikhokhelo, okusho ukuthi ungathola imali ngisho noma ungenayo intela. Ukuthi iEITC, kumelwe ukuba uzuze imali etholakala ngokusebenza kwakho siqu kanye ne hholo lamafayela C.
  • Imali yokunakekela umntwana nokwehlisa ijubane: Uma ukhokhela ukunakekelwa kwabantwana noma ukunakekela okhubazekile osebenza, ungafaka izindleko ezingu-35% (imali elingana nemali engu-$3 000 ngengane eyodwa, $6 000 ngezikhathi ezimbili noma ngaphezulu).
  • Inkokhelo yokungangeniswa kwemali egciniwe eNini leNgxenye (Indawana Yomgcini): Uma unikela e-akhawuntini yomhlalaphansi (SEPRA, Solo 401(k), ungathola imvume yomnikelo wakho ofinyelela ku-50% (ofakwe ku-$2 000 (u-R1 000 ngokubambisana). Imingcele yemali ekhona iyasebenza.
  • [[IHLT:0] Imali egciniwe egciniwe yeTaxir (HCTC): Ilinganiselwe kuzisebenzi ezithile ezifudukile, kodwa kufanele kuhlolwe ukuthi uhlangabezana yini nezindinganiso.

Zonke izikhulumo zidinga ukuba uhlangabezane nemithetho ethile ekhethekile.

Ukusingatha Umkhakha

Imali yokuhlola ingenzeka izwakala yesabisa, kodwa ukulungiselela kwenza kube lula. I-IRS ibheka inzuzo engaphansi kwephesenti elilodwa, kodwa abantu abasebenza bona ngokwabo abakhokhelwa kakhulu noma abalahlekelwa kakhulu kwezebhizinisi bahlolwa ngezinga eliphakeme.

Indlela Yokulungiselela Uhlelo Lokuhlola

  • Gcina amarekhodi ahleliwe okungenani iminyaka emithathu (iminyaka eyisithupha uma ubika imali engaphezu kwengu - 25%)
  • Phendula ngokushesha ezincwadini ze-IRS /_Ungazishalazeli izincwadi
  • Butha wonke amarisidi, ama - invoisi, izitatimende zasebhange, nezingodo
  • Cabanga ngokuqasha umuntu obhalisile noma i - CPA okhokhela intela

Izincwadi eziningi ziphathwa ngeposi (ukuhlolwa kwe-corresfective Audition) kunokuba zithathwe ku-person. I-IRS izocela irekhodi ukuze isekele izincopho ezithile noma izinto zeholo. Uma unemibhalo eqondile, ungalungisa ukugcinwa kwemali ngaphandle kokulungisa.

Isikhathi Sokudedela Isikhulu Sentela

Nakuba abantu abaningi abakhululekile bekwazi ukusingatha izintela zabo ngezinhlelo ze - computer, ezinye izimo zidinga usizo lochwepheshe:

  • Iholo lakho noma ibhizinisi liyinkimbinkimbi (LLC, S-corp, i-social)
  • Uneholo eliningi elivela emazweni ahlukahlukene
  • Ususa ihhovisi lasekhaya, izimoto, noma uhambo olude
  • Uhlolwa noma kudingeka uthintane nesivumelwano esincane
  • Awuqiniseki ukuthi cishe isilinganiso noma ukwehla kwenani

I-arhente yentela efanelekayo (CPA noma i-Encolled Monder) ingakusindisa kakhulu ezintelani kunemali yabo, futhi inciphisa ingozi yakho yamaphutha. Bheka othile onolwazi lokuzisebenzela. Ikhodi lemali yochwepheshe bentela [ iyinto enhle yokuqala.

Isiphetho

Akumelwe kusinde kakhulu intela yentela yabakhululi. Ngokuqonda izibopho zakho, usebenzisa amafomu alungile, ukhuphule amasheya, futhi ugcine amarekhodi acophelelayo, unganciphisa umthwalo wakho wentela futhi uhlale uhambisana. Ngonyaka ka-2013, izindleko ezilinganiselwayo, zivimbela izijeziso futhi zikugcine ulandela indlela yazo. Futhi uma ungangabaza, ukutshala uchwepheshe kungavuza ngokuthula kwengqondo nangokulondoloza imali yangempela. Ngokuhlela nangokuhlela ngokucophelela, ungagxilisa amandla akho ekukhuleni kwebhizinisi lakho lesihle kunokuba ukhathazeke ngenkathi yentela.