Awunayo i-Itemize yokuBangalisa ukuThuthwa kweRhafu
Ulungiso kumvuzo luyindaba ehluke ngokupheleleyo. Ngamanye amaxesha ubizwa ngokuthi "ngaphaya komgca", ungazibamba kwiphepha lokuqala lokubuyisela irhafu ngaphambi kokuba ufikelele ekunqumeni ukuba uya kukhangela okanye uthathe ukutsalwa okuqhelekileyo kwimeko yakho yokufakela.
I-Advently Adjusted Adjustments to Income
Ukulungiswa kwemali engenayo kubonakala kwi-1040 yentlawulo yakho yentlawulo ngokuqala kumgca we-23 kwaye baqhubeka ngokusebenzisa umgca we-35. Abanye bavame ukubizwa ngaphezu kwabanye ngenxa yokuba abaninzi abakhokhi berhafu baneentlobo zeendleko. Ezinye zezona ziqhelekileyo zifunyenwe zichithwe kwi-line-line zibandakanya:
- I-SEP-IRA, I-SIMPLE IRA kunye no-401 (k) ukuxothwa kwabasebenzi abaqeshwe ngabasebenzi kunye nokuncitshiswa kwendabuko ye-IRA: Oku kuvela kumgca 28 no-32 ngokulandelanayo. Abaqeshwe kuphela banokufaka isicelo sokuqala kwiminikelo eyenziwe kwezi zicwangciso, kwaye imithetho ethile isebenza. Ukususela ngo-2017, igalelo lonyaka le-IRA lifakwe kwi-$ 5,500, okanye i-$ 6,500 uma uneminyaka engama-50 okanye ngaphezulu. Unokwenza oku kuninzi kwimali yakho engenayo engenayo imali engenayo kwi-bat xa unika isandla kulolu hlobo lwezicwangciso zomhlalaphantsi.
- Ukuncithwa kwemali mboleko yomfundi : Unokuthatha inqununu ukuya kuma-2,500 ee-interest inzalo efunyenwe ngumfundi oye wahlawulwa ngunyaka ngo-2017. Imboleko kufuneka ibe yinto enyanzelekile ukuba uyibuyisele. Ukuba kusegama lakho elixhomekeke kuyo kwaye uhlala nje ukumnceda ngokukwenza iintlawulo, oku akubalanga.
- Ukufundiswa kunye nokuhlawulwa kwemirhumo : Ngelishwa, le nxalenye i-limbo ngo-2017, kodwa yayifumaneka ekupheleni kuka-2016 xa iCongress yayeka ukuba iphelelwe yisikhathi. Unokuthatha inqununu engaphezulu kwe-line yokufundiswa kwemali kunye neentlawulo ozihlawulela wena okanye owomxhomekeke ekupheleni kwaloo nyaka werhafu. Kusenokwenzeka ukuba iCongress inokuhlaziya le nciphiso ngo-2017.
- Ukuncitshiswa kwe-akhawunti yokugcinwa kwempilo : Ukuba unika igalelo kwi-akhawunti yokulondoloza impilo, ungathatha isilungiso kwisaphulelo sokufikelela kwi-$ 3,400 ukuba ungatshatanga okanye u-$ 6,750 kwintsapho ngo-2017.
- Izigwebo zokuqala zokurhoxisa: Ngelishwa, oku kusebenza kuphela kwiziqinisekiso zokufaka idiphozithi kunye ne-akhawunti yokulondoloza ixesha, kungekhona i-akhawunti yomhlalaphantsi. Kodwa ukuba uhlaselwa yintlawulo ngenxa yokuba ushiye imali ngokukhawuleza kunokuba ufanele ukuyenza, unokubanga ukuncitshiswa kuwo kwiphepha lokuqala lokubuyisela irhafu ngaphandle kokumisa.
Ezinye zalezi zihlomelo ziphuma kumanqanaba aphezulu aphezulu, kwaye ungeke ukwazi ukuzibango ukuba utshatile kodwa ufaka ukubuyela okuhlukile.
Ezinye izilungiso kwiNgeniso
Ezinye iinqununu ezisezantsi apha zixhomekeke kwiinkcukacha ezithile zobomi bakho, ezifana nomsebenzi wakho kunye nesimo sakho somtshato.
- Iindleko zeklasini zotitshala kunye nootitshala : Le nto ifanele i-$ 250, okanye i-$ 500 ukuba utshatile, uthumela ukubuyisana ngokubambisana kunye nawe kunye nomlingane wakho ootitshala. Sekunjalo, yonke inqununu inceda. Ngokutsho kwe-IRS, kufuneka ube "inkulisa ngootitshala bebakala lesi-12, umqeqeshi, umcebisi, inqununu okanye uncedo ubuncinane ubuncinane ngeeyure eziyi-900 kwisikolo esikolweni esibonelela ngemfundo eyisikolo esisekondari okanye esesekondari njengoko kumiselwe phantsi komthetho kaRhulumente." Unokuthatha inqununu engaphezulu kwe-line kwiindleko ezixhamliweyo zomsebenzi ozenzayo ngexesha lonyaka werhafu ukuba ufanelekile.
- I-Alimony ihlawulwe : Akunjalo, akufanele uhlawule irhafu kwinqanaba lentlawulo yakho ekufuneka uzinike ngayo inyanga nganye, kodwa kufuneka unikeze inombolo yakhe yoKhuseleko loLuntu kwi-tax return yakho. Uhlawuliswe kule ngeniso endaweni. Imithetho ethile isebenza, njengokuba i-alimony kufuneka inikwe umyalelo wenkundla. Ukuba nje umnika imali ngaphandle kokulunga kwentliziyo yakho, ayinakubalwa.
- Iindleko zokuhamba : Unokubamba iindleko ezininzi ezinxulumene nokuhamba, kodwa kuphela ukuba kufuneka uhambisane nezizathu ezinxulumene nomsebenzi, kungekhona nje ngokuba ungathanda utshintsho lweendawo.
- Ukutshitshiswa kwesiqingatha somvuzo wengqesho : Ukuba usebenza ngokuzimeleyo, uhlaselwa ngumthwalo wokuhlawula iipesenti eziyi-100 zeNtlalo yoKhuseleko kunye noTywala. Umqeshi wakho uza kuthatha isiqingatha salethebhu xa usebenzela omnye umntu. Kodwa i-IRS ngokuphumelelayo inikezela ukuba esinye isiqingatha sibuyele kuwe kumgca we-10 wakho we-1040. Usenokuhlawula irhafu, kodwa ufumana ityala.
- Intsholongwane yempilo yonyango: Ukuba usebenzela omnye umntu, kufuneka ufune ukuncitshiswa kwinto ochithayo kwiimali-mali ze-inshorensi yezempilo, kwaye loo ncitshiswa iyaxhomekeka kwiminye imithetho nemingcele. Kodwa unako ukutsala ipesenti eziyi-100 zezinto ozichitha kwiiprimiyamu ukuba uzisebenzela wena. Umgaqo-nkqubo unokukugubungela, iqabane lakho kunye nabaxhomekeke kuyo.
- Abaculi abafanelekileyo abafanelekileyo kunye nezinye izikhundla : Olu lungiso kumvuzo lusebenza kuphela kwii-artists ezimbalwa-ezithile, kunye nabasemagunyeni kunye namanye amashishini-karhulumente.
- ImiSebenzi yokuPhuhlisa yasekhaya : Oku kubandakanya amashishini kumashishini athile.
Yiyiphi iSicwangciso-qhinga malunga nokulungiswa kweNgeniso?
Ingqikithi yazo zonke izihlomelo zisuswe kwingeniso yakho yonke ukufumana imali engenayo ehlawulweyo kwi-line 37 ye-1040 yentlawulo yakho yentlawulo. Unokwenza emva koko ukhiphe ukutsalwa okuqhelekileyo okanye ukuchithwa okubhaliweyo kwi-AGI yakho kwiphepha lesibini, kunye naluphi na ukuxolelwa komntu. Isiphumo sichazela imali yakho engenayo engenayo engenayo, isibalo esisetyenzisiweyo sokubala uxanduva lwakho lwentlawulo ye-federal-ingaba ungayifumana phi i-IRS, okanye umrhumo werhafu ongayilindela.
Nazi ezinye iindaba ezilungileyo: Ukulungiswa kwemali engenayo ayifakwanga kwakhona xa kubalwa enye irhafu yerhafu xa ufanele ulawulwe yi-AMT. Oku kungenxa yokuba enye irhafu yerhafu yindlela enye yokubala i-taxeral tax responsibility, kwaye le ndlela enye iqala ngemali engenayo epheleleyo. Izilungiso zinciphisa umvuzo ongeniso oluthile ukwenzela ukuba zongezelele iirhafu ezingaphantsi.
Ukwandiswa kweziNyathelo kunokunyusa ezinye iiDeductions kunye neCredits
Eminye imithwalo yokuncitshiswa kweerhafu ihlawulwe ngumvuzo omncinci womntu. Ngokomzekelo, iindleko zonyango zinokudityaniswa kuphela kwinqanaba elingaphaya kweepesenti ezili-10 zengeniso yakho epheleleyo echanekileyo ngo-2017. Masithi uTom ulungele imali engenayo ye-$ 50,000 ngonyaka. Makhe sicinge ukuba uTom uneendleko zonyango ezizii-6,000 zamawaka ngonyaka. UTom unokunyusa iindleko zakhe zonyango kwinqanaba elingaphaya kweepesenti ezili-10 ze-AGI okanye i-$ 5,000. Iindleko zonyango zakhe ze-6,000 zamaRandi zidlula kule mingcele nge-$ 1,000 ukuze uTom anokwenza imali engama-$ 1,000 kwi $ 6,000 yakhe kwiindleko zonyango njengenqununu echazwe kwiShedyuli A kule meko.
Ngoku masithi uTom unika i-$ 1,000 kwi- akhawunti yomhlalaphantsi yomntu ngamnye kuloo nyaka werhafu. Ezi ntlawulo zilungiso kumvuzo, ngoko oku kunciphisa i-AGI ye-AGI ngama-$ 1,000. Ngoku ke ingeniso yakhe engenayo i-$ 49,000 kuphela. Endaweni yomda we-$ 5,000 (iipesenti ezili-10 zamaRandi ezingama-50 000) ngokubala inani lokuncitshiswa kweendleko zonyango, unomyinge we-$ 4,900. Ngenxa yoko, uTom unako ukurhola kunye neyongezelelweyo i-$ 100 kwiindleko zonyango malunga ne-1,100 yemali endaweni ye-$ 1,000.
Ukwandiswa kwezilungiso kunokwandisa iirhafu ezithile zentlawulo ezisekelwe kwingeniso yakho epheleleyo, kwaye inokunciphisa ezinye iirhafu kuba ezinye ii-surtaxes zibalwa ngokusekelwe kumvuzo omncinci womntu. Ngokomzekelo, ireyenti ye-3.8 yeerhafu yentlawulo yerhafu yenkxaso-mali isekelwe kwinxalenye yomvuzo omhle oguqulwe ngumntu. Ukunciphisa ingeniso epheleleyo echitshiweyo kunokunciphisa irhafu yentlawulo yerhafu yotyalo-mali.