Ukuqonda Izikweletu Zentela Nethonya Lazo Ekuthokoziseni Kwakho

Inkathi yokubhalisa iyisikhathi sokuhlela nethuba. Kubantu abaningi abakhokha intela, umehluko phakathi kwemali ebekelwe intethelelo ephansi nebalulekile uveza indlela abayiqonda futhi basebenzise ngayo izikweleti zentela. Ngokungafani nezikweleti ezinciphisa intela ohliswa ngayo, izikweleti zentela zinciphisa ngokuqondile imali oyikweletayo — imali ezuzwe ngemali ewu - dollar. Lokhu kusho ukukhokha imali ezuzwayo emaRandini elingu-20 000 ezintela, kungakhathaliseki ukuthi ibhulohohozo lakho lentela. Ukukhokha intela kungaba indlela eyodwa engcono kakhulu yokuthuthukisa imali yakho yokukhokha intela noma ukwehlisa imali yakho.

Minyaka yonke, izigidi zabakhokhi bentela abafanelekayo azizinaki izikweleti ezibafanele, zishiya amakhulu noma ngisho nezinkulungwane zamaRandi etafuleni. I-IRS ibika ukuthi cishe amaphesenti angu-20 ezisebenzi ezifanelekayo ahluleka ukubiza i-Inhood Tax Credit. Lemali ilahlekile eyayingasiza ngokuqasha intela, ukukhokha imali eyigugu kakhulu, ukuchaza imithetho ehloniphekile, futhi inikeza izinyathelo ezithatha isinyathelo zokusho lokho okufanele.

Ziyini Ngempela Izipho Zentela?

Ukukhokhwa kwentela kuncishiswa kwentela yemali oyikweletayo. Uma ukweleta u-R3 000 ngentela futhi ufanelekela imali engenisa imali engu-R1 000, imali yakho yentela yehla ibe ngu-R2,000. Uma ikweleta kungena imali futhi ukweleta imali engu-R1, i-IRS izokuthumela umehluko njenge-recund.

Qhathanisa lokho nentela encishisiwe, enciphisa intela yemali edonswayo. Kumuntu okwibhuloho lentela elingu 22%, intengo engu - R220. Imali yokukhokha intela yonga uR1 000. Lokho kwenza isikweleti sibe namandla kakhulu kubenzi bentela abaningi.

Izikweletu zinhlobonhlobo ezintathu ezihlukene, ngayinye inemithetho yayo siqu namathuba ayo. Ukuqonda uhlobo olushoyo kuyagxeka ukuze uthole inzuzo enembile futhi kwandise inzuzo yakho.

Izimali Zentela Ezingakhokhwa

Izikweleti ezingakhokhwa zinganciphisa intela yakho kodwa kungabi yikho okunye. Uma ukweleta amadollar angu - 600 futhi ukhokhela imali engakhokhwa engakhokhwa, ukhipha imali yakho engu-R1 600 kodwa ungayitholi enye njenge-after. Izibonelo zihlanganisa i-Child and Defent Care Crears kanye ne-Living Learning Credit.

Intela Encomekayo

Ukuboleka okuncomekayo kubaluleke kakhulu ngoba kungaphumela ekuhlawuleni imali ngisho noma ungenayo intela. Uma ungenayo futhi ufanelekela ukuboleka imali ekhokhelwayo engamaRandi angu-4,000, i-IRS ikuthumelela isheke le-R1,000. I-Inhome Inhome Taxis Preser ne-Adding Child Taxicos Creace Incosave (ingxenye ehlawulekayo ye-Child Treace Creasure) iwela kulesigaba.

Amacala Entela Anconywa Ngokwengxenye

Ezinye izimpawu zihlanganisa zombili izici. Ngokwesibonelo, i-Child Tax Creasure, i-ezuzu elinengxenye. Ngo-2024, ingaphinde itholakale ku-R2,000 kumntwana ngamunye (i- “Imali Yokukhokha Intela Yabantwana Ngokungaphezulu”), kuyilapho ezinye zingaba khona. Le ngxenye exubile isiza imikhaya ngeholo eliphansi ngaphandle kwalokho lingase lingazuzisi kusikweletu esingazinzi.

Izikweletu Ezinkulu Zentela Ezingakhulisa Udumo Lwakho

Ngezansi kunezikweleti eziyisihluthulelo ezibaluleke kakhulu kubantu abakhokhi bentela ngesikhathi sokuhlela. Ngamunye unemithetho ekhethekile evumelana nemali ayitholayo, isilinganiso seholo, kanye nesidingo sokubhala phansi.

Imali Yentela Ekhokhelwayo (EITC)

I-EITC iklanyelwe ukuthatha imali ephansi kuya kweyokulinganisela abantu abasebenzayo nemikhaya. Ingabuyiselwa ngokugcwele, okusho ukuthi ungathola imali ngisho noma ungenayo intela. Ngonyaka ka-2024, inani elikhulu lemali yokuthenga kusukela ku-R2202 (ayikho abantwana abafanele) kuya ku-R27,830 (izingane ezintathu noma ngaphezulu ezifanele). Imingcele yemali etholakalayo iyahluka ngokwesilinganiso nangamanani abantwana.

Ukuze ufanelekele, kumelwe uthole imali ewuthola emsebenzini noma emsebenzini wemisebenzi, uhlangabezane nemali ethile ehholwayo (ngaphansi kuka-R1 000 ngo-2024), bese ufaka intela ngisho noma kungenye indlela engadingeki. I-IRS inikeza ithuluzi elinguMxhasi we-ETC [[[FLT: 1] ukuze isize ekunqumeni ukuthi u-eacce.

Amaphutha avamile ahlanganisa ukubonga lapho ufaka ishende eligadiwe ngokwehlukana (ngokuvamile elingavunyelwe) noma uhluleka ukuhlanganisa zonke izingane ezifanelekelayo ezihlangana nokuhlolwa kobudala. Sebenzisa i-IRS Form 862 uma ngaphambili wawungavunyelwe i-EITC ngonyaka wangaphambili.

Ukukhokha Intela Yezingane (CTC)

Intela yezingane inikeza uR2 000 kumntwana ngamunye oneminyaka engaphansi kwengu - 17 ekupheleni konyaka wentela. Imali engamaRandi angu - 1 600 elingana neyamuva njenge-Add Recomstion Children Creates. Imali edayiswayo iqala ngeR2 000 000 kumafayile angashadile kanye nama-irandi angu-40,000 (R1,50 000) ngokubambisana kokubhalisana.

Ingane efanelekayo kumelwe incike kuwe, ihlale nawe isikhathi esingaphezu kwengxenye yonyaka, futhi ibe nenombolo esemthethweni yeNyuselo yomphakathi. Ukuboleka kubhekiswe kuShedynal 8812. Ngo-2024, i-IRS ayikakwenzi ukuboleka okuphelele njengoba kwakunjalo ngo-2021, ngakho imikhaya ehola imali ephansi kakhulu ingase ingatholi imali egcwele i-R3,000. Bheka Intecrect [ikhasicala] yezingane [ yokuyiguqula.

Ukudunyiswa Kwentela YaseMelika Etholakala Ngethuba Elide (AOTC)

I-AOTC ihlanganisa izindleko zemfundo ezifanele eminyakeni emine yokuqala yemfundo yangemva kwesandli. Ibiza u-R2,500 ngonyaka, ne-40% yalelo nani (angu-R1 000) ekhona. Izinga lokuthenga ngesikweleti kumafayili amancane alungisiwe (MAGI) angaphezu kuka-R280 000 (R160 000 kumafayile ahlangene).

Izindleko ezifanelekile zihlanganisa izindleko, izindleko, nezincwadi zezifundo. Umfundi kumelwe abhaliswe okungenani ingxenye yesigamu sesigamu sesigamu noma sesitifiketi. Awunakuthatha kokubili i-AOTC ne-Diving Creve yomfundi ofanayo ngonyaka ofanayo. Sebenzisa i-Form 8863 ukucela lesikweletu.

Ukudumela Ukufunda Isikhathi Eside (LLC)

I-LLC ingeyokuthatha izikole eziphansi, eziphothulwe iziqu, neziqeshana ezikhokhelwayo, kuhlanganise nezifundo zokuthola noma ukuthuthukisa amakhono omsebenzi. Ukuboleka kubiza u-R2 000 ngemuva lentela (hayi umfundi ngamunye) futhi akunakuphindwa. Izinga lokungena liqala kuma-$80 000 MAGI kumafayile angawodwa (R160 000). Ngokungafani ne-AOTC, akukho mkhawulo enanini leminyaka ongayisho, futhi umfundi akadingi ukubhaliswa okungenani ngesigamu se-67.

I - quence Yomgcini - zincwadi (Imali Yokukhokha Iminikelo Yokukhokha Ngokuzisekela)

Lokhu kuthenga ngemali okuvame ukufunwa yizisebenzi ezihhhhala eziphansi nezilinganiselayo ezinikela ngemiholo enjenge-401(k) noma IRA. Imali yokubolekisa ilingana ne 10%, 20%, noma 50% yeminikelo yakho, ifinyelela ku-$2,000 kumafayile angawodwa (R2,000 (R1,000 uma eshadile ngokubambisana). Isikweleti esikhulu singu $$2 000 (ilungu lamaR1 000). Isilinganiso samashumi amabini: amafayela angawodwa afinyelela ku-R37,250,375, inhloko zekhaya elilinganayo kuya ku-R140 000,500 (R1,57,500). Ukukhokhwana okungenayo akunakali. Sebenzisa i-Form

Ukunikezwa Ilungelo Lokunakekela Ingane Nelokunakekelwa Ngokuncike Kuso

Uma ukhokha othile ozonakekela umntwana ofanelekayo oneminyaka engaphansi kwengu-13 noma okhubazekile ukuze ukwazi ukusebenza noma ukufuna umsebenzi, ungakufanelekela ukukhokha lesikweletu. Ngo-2024, ukuboleka imali kungu-35% ku - R3 000 ezindleko kumuntu ofanelekayo (R1,000 noma ngaphezulu), unikeza indumiso enkulu ka-R1,00 noma $2,100. Imali encishisiwe iyanda njengoba iholo lakho elikhuphukile likhuphuka. Imali yokuthenga ingena emalini engakho. Sebenzisa I-Fom 2441.

Ukuthenga Impahla Esebenza Ngamandla Angenangozi

Abanikazi bamakhaya abafaka amapayipi anamaza akhipha ugesi, izipompa zamanzi ashisayo, ama-turbines amancane omoya, noma amangqamuzana kaphethiloli angathola isikweleti esibiza izindleko ezingu-30%. Akukho sigqoko semali kuningi lalezi zindlela zobuchwepheshe (amangqamuzana e-uniel anesilinganiso). Isikweleti asinciphi kodwa singathwalwa phambili eminyakeni ezayo. Ngo-2024, lesisikweletu sisebenza ezimisweni ezibekwe enkonzweni kudlulele ku-2032 (amazinga akhona aphansi). Siqinisekisiwe imishini yakho impumelelo ekhethekile. Bheka i-IRS FIeleties Ec Energy Effect

Izimfuneko Zokulunga Okumelwe Uzihlole

Ukuhluleka ukuhlangabezana ngisho nanoma ubani kungakubangela ukuba ungakufanelekeli ukukhokha intela ngayinye.

Imingcele Eholelayo Nezindawo Zokuphumula

Izikweleti eziningi zithathwa lapho iholo linyuka. Ngokwesibonelo, i-Child Tax Cursure iqala ukuthatha imali engu-200,000 elungisiwe (MAGI) ehholo elingu-200,000 elingu-200,000 elilungisiwe (MAI) kubantu abangashadile. I-EITC ineminyango emine yeholo ehlukahlukene kuye ngokuthi unabantwana abangaki. Ngaso sonke isikhathi sebenzisa amashadi ama-IRS amuva onyaka wentela okhokhayo. Ngisho nokwanda okuncane kweholo kunganciphisa noma kunciphe isikweletuso.

Imingcele Yesimo Enganembile

Ukubeka kwakho imali kungathinta ukukhokha izikweletu. Abakhokhi bentela ababodwa abahlukene ngokuvamile abanakukhokhelwa i-EITC, i-Child and Decent Care Crears Cree, kanye nezikweleti zemfundo. Inhloko yezemali yasekhaya inikeza izikhawu eziphezulu kunezinga elilodwa. Uma ushadile, ngokuvamile inikeza ukukhokha izikweletu okungcono kakhulu, nakuba kungenjalo ngaso sonke isikhathi — hlola isimo sakho esiqondile.

Incazelo Esekelwe Kukho

Udumo ludinga ingane efanelekayo noma efanelwe umndeni. I-IRS inezivivinyo eziqinile zobuhlobo, ubudala, ukuhlala, ukusekela, nokubuyela kobungane. Ku-Child Tax Creasure, umntwana kumelwe abe neminyaka engaphansi kwengu-17, ingane ibe nenombolo ye-Social Security, futhi ihlale nawe isikhathi esingaphezu kwengxenye yonyaka. Uma ingane efanelekayo kumelwe ihlangabezane nezindinganiso ezengeziwe (iminyaka engaphansi kwengu-19 noma umfundi ophelele ongaphansi kweminyaka engu-24, noma ikhubazekile unomphela, kungakhathaliseki ukuthi uneminyaka engungu-17), uma ingane yakho ayiyona eyakhelwa noma ingane, ungasakufanelekela uma iyingane engowo engowondliwayo, ingane ezalwa nomfowabo, noma umzalana.

Indlela Yokuthi Uthola Izikweletu Zentela Lapho Ubuya

Kumelwe uthathe izinyathelo ngamabomu ukuze uzifake ekhabetheni lakho.

Butha wonke umnikeli odingekayo

Kuyi-EITC, udinga ubufakazi bemali eholwayo (ngo-Wû2, ngo-1099, amarekhodi okusebenza okuzisebenzela) nohlu lwezingane ezifanelekelayo nezinombolo zazo zeNyuselo nezinsuku zokuzalwa. Ukuze uthole izikweleti zemfundo, qoqa i-Form 1098T esikoleni sakho namali yezincwadi kanye nempahla. Ukuze ubonise intengo yakho yomhlalaphansi. Ku-Anchill no-Chensent Crence, udinga igama, ikheli, ne-ID yomkhokhi wentela, kanye nemali yenkokheli.

Khetha Izinhlobo Nezimiso Ezifanele

  • [[UMTH:0] FORm 8863 – Izikweletu zemfundo (AOTC kanye ne-LLC)
  • [[AKT:0] Intela 8812[[QONDO] – Ukukhokha intela yezingane kanye nokukhokha intela yezingane okungaphezulu
  • I-EIC – Imali ehlisiwe yentela (jongisa uma unabantwana abafanele)
  • [[UMTH:0] IForm 2441[[FLT] -Ingane kanye nokwethenjelwa kokunakekela
  • [[Umthetho:0] Form 8880 – Isu lokulondoloza
  • [[Umthetho:0] Form 5695[[QL:1] – Izimali zamandla ezibuye zisetshenziswe

Uma usebenzisa i-software yentela, kuzokushukumisela ukuba ufake ulwazi lwalezi zikweletu. Nokho, ekugcineni unomthwalo wokuqinisekisa ukuthi amafomu alungile afakiwe. Uma ufaka ifayela ephepheni, u-pane jack ophindwe kabili ukuthi unamathelise zonke izinhlelo.

Sebenzisa Imithombo Yezinto Ezitholakala Kuyi - Internet

I-website ye-IRS inikeza imithelelwa kanye nekhasi lokufaka neziyalezo ezinemininingwane, iFAQS, kanye namathuluzi okudlulisela. Umncedisi we-EITC, i-Creasurer Cource Doctor Port Portal, noMxhasi weTaxisi yabantwana angaphendula imibuzo ekhethekile edinga ukukhonzwa. Sebenzisa lemibuzo ngaphambi kokufaka i-ftrective ukuze ugweme amaphutha.

Amaphutha Avamile Ayakulahlekisela Imali

Nakhu amaphutha avame kakhulu abantu abawasebenzisayo lapho befuna izikweleti zentela — nendlela yokuwagwema.

Ukunganaki Imingcele Nemithetho Ehliswayo

Imithetho yentela iyashintsha. Isilinganiso seholo le-EITC, i-CTC, nezinye izikweleti zishintshwa minyaka yonke ngenxa yokwehla kwamandla emali. Imali yokubolekisa onyakeni odlule ingaba nemikhawulo ehlukene kulonyaka. Ngaso sonke isikhathi hlola i-IRS Publication 970 (Izinzuzo zemfundo) noma iziyalezo zendlela ethile.

Izikweletu Ezingahlaziywa Nezingaboli

Umqondo ofiphele uwukuthi zonke izikweleti ziyophumela ekubuyiseleni imali. Uma unecala lentela eliphansi noma elingaphelele, ukubongwa okungaguquguquki njenge-Fiverning Creer noma i-Child and Decent Creaty Creece ngeke kuveze intengo ebuyiselwe. Izikweleti ezibolelekayo kuphela ezizokuthumela imali. Hlela ngokuvumelana — uma udinga intengo ebuyiselweyo, engcono kakhulu.

Ukuhluleka Ukusho Ukuthi Bonke Abafanelekelayo Bayakufanelekela

Uma unengane ehlukanisa isikhathi phakathi kwabazali ababili, noma oxhomekekile kuwe ongeyena umntwana wakho womntwana (jengesibonelo, umzukulu noma umntwana womntwana womntwana womntwana), ungakwazi ukubathola. Bukeza imithetho ye-IRS ethinta u-thayi-preseter futhi uhlale. Uma ababili abakhokhi bentela befuna ukuncika kulutho olufanayo, i-IRS bayokwenqaba ukubuya kanye nokubala kokubili.

Ukubheka Ngalé Kwesipho Somsindisi

Izisebenzi eziningi ezikhokhela abaholi abaphakathi azazi ukuthi zingakhomba iSaver’s Credit. Uma unikele kuhlelo lomqashi (401k, 403b, SIMPLE IRA) noma iholo elingokwesiko noma iRoth IRA, futhi imali yakho ingaphansi kwemikhawulo, ngokunokwenzeka uyafaneleka. Ukukhokha intela (R962) kunciphisa imali yakho yentela (040) ngaphezulu kwentengo ebekezelayo ebhayisekile osuyijabulela kakade eminikelweni yomhlalaphansi.

Amaphutha Ezibalo Nezibalo Ezingalungile

Izikweleti zentela zivame ukuhlanganisa izibalo eziningi: ukwanda kwamaphesenti ngezindleko, ukusebenzisa i-osethi ye-ocensi, nokuhlola isilinganiso esiphezulu. Iphutha lezibalo elilodwa linganciphisa isikweleti sakho noma lichumise isaziso se-IRS. Sebenzisa i-software yentela noma i-wildcheck yesandla nge-computer. I-IRS izolungisa amaphutha amancane futhi ilungise i-recund yakho, kodwa lingase libambezele ukuhlelwa.

Izinyathelo Zokugcina Zenkathi Yokushelela

Qala ukuqongelela amabhukwana ngaphambi kokuba uthole amaWû2. Yenza uhlu lokuthenga ngesikweletu ongalufanelekela ngokwezenzakalo zakho zokuphila: ingane entsha, izindleko zemfundo, intuthuko yasekhaya, noma iminikelo yomhlalaphansi. Sebenzisa i-IRS Withing Estimator phakathi neminyaka engu - 88 ukuze ulungise ukukhokha uma ulindele ukufaneleka kokukhokha isikweletu, ngakho ungafaki imali yakho unyaka wonke.

Uma isimo sakho siyinkimbinkimbi — ukuzisebenzela wena siqu, imisebenzi eminingi, abantu abadinga izidingo ezikhethekile — cabangela ukusebenza nochwepheshe wentela ohlala ekhona ngemithetho yesikweletu.

Ukukhokha intela kungelinye lamathuluzi anamandla kakhulu ekhokha intela. Ngokuhlela ngokucophelela nokunaka imininingwane, ungaqiniseka ukuthi ugcina wonke amaRandi onelungelo lokuwagcina. Le nkathi yokuhlela, ungashiyi imali ngemuva. Bukeza ubukhazikhazi bakho, qoqa amaface, futhi usho lokho okufanele.