Imigaqo yokuQiniseka yeeNkcazo ezithile zeRhafu zingaba nzima
Ngelishwa, zonke ezokhefu zerhafu zingadideka kuba ngamnye uya kunye nemigaqo yayo efanelekileyo. Yazi naziphi na izikwere zerhafu onokuzibanga, ongenakukwazi, kunye nentsingiselo yazo zonke iirhafu ezihambelana nazo.
Imivuzo yeRhafu kunye nokuThuthwa kweRhafu
Iingxowa-zentlawulo zerhafu ayifani nokuncitshiswa kweerhafu. Iikhredithi zerhafu zibhetele kangcono.
Ukutshitshiswa kukutshintshisa uthathe umvuzo wakho. Ukuba ufumene i-$ 50,000 ngaphaya kwekhosi kwaye unama-dollar ayi-10 000 ekutsalwa, i-IRS iya kuhlawulisa kuphela kwi-$ 40,000. Ngokuqinisekileyo kuyinto entle, kodwa thelekisa kwiirhafu zemali.
Uqedile ukubuyela kwerhafu yakho, kuquka ukuthabatha zonke izihlomelo ozilungeleyo. Ngoku uqonda ukuba ucwangciso lwakho lwentlawulo luyekile kwaye ngandlela-thile uhlawulwa i-IRS $ 1,000. Ukuba unelungelo lokubamba iitaliti zentlawulo ye-$ 1,000 okanye ngaphezulu .... Ityala lakho leserhafu liyahamba. Awunayo i-IRS nantoni na. Ukuba unetyala le-$ 2,000 ye-IRS kwaye unelungelo lokuthenga ngetyala le-$ 1000, ngoku unomvuzo olinganiselwa ku-$ 1,000. Iimali ezivela kwiityala zakho zerhafu, ingenayo ingeniso yakho, kwaye zenza idola ngemali.
Iikhredithi ezibuyiselwayo kunye neeCredits ezingabuyiselwayo
Ngoku imeko iya kuba nzima kakhulu kuba kukho iintlobo ezimbini zeentengo zemali zerhafu: iintlobo ezibuyiselwayo kunye neenkokhelo ezingabuyiselwa.
Uninzi lwama-credits, kodwa alukho konke, aluyi kubuyiselwa, kwaye kukho umehluko omkhulu.
Ikhredithi yerhafu engabuyiswanga nayo ingashenxisa nayiphi na intlawulo onokuhlawulwa yi-IRS, kodwa i-IRS ayiyi kuthumela imali xa kukho naliphi na i-credit. Umzekelo, ukuba unetyala elingu-1 000 kwiirhafu emva kokuzalisa i-tax return yakho kwaye ukuba unokubango i-$ 2,000 yengeniso yerhafu engahlawulwanga, ityala lakho lentela liyaqhubeka kodwa i-IRS igcina ibhalansi-leyo eyimali eyi-$ 1,000.
Awunakukuqhubela phambili kwiminyaka ezayo, kwaye awuyi kufumana imali ngokumalunga naloo mali.
Qhathanisa oku ngekhredithi ebuyiswe. Ukuba ithenda yerhafu ye-2,000 efunayo ibuyiselwe, iya kuphelisa ityala lakho lentela kwaye i-IRS iya kukuthumela imali eyi-1 000 yokubuyisela imali.
I-Credit Income Tax Income
Ngokucacileyo, iikhredithi zerhafu ezibuyiselwe zilunge, kodwa zimbalwa zazo. INgxowa-mboleko yeNgeniso yeNgeniso efunyenwe yenye yezona zidume kakhulu.
Le ngxowa-mali yafakwa kwi- Internal Revenue Code ngo-1975 ngengcamango yokubeka imali engaphezulu kwiifokethi zabahlawuli berhafu abaphantsi. Njengoko igama libonisa, kufuneka ukuba ufumene imali engenayo evela ekusebenzeni kumqeshi okanye ukuziqesha. Ukuba unayo imali engaphezu kwama-3,450 weentengo-mali okanye inzala yengeniso ngo-2017, awuyi kufaneleka. Kumele ube ubuncinane ubuneminyaka engama-25 ubudala kwaye awukwazi ukuphendulela iminyaka engama-65. Kumelwe ukuba wawuhlala e-US ubuncinane kwiinyanga ezintandathu zerhafu, kwaye awukwazi ukubizwa ukuba uxhomekeke kunoma yimuphi omunye umhlawuli-ntlawulo. Ukuba utshatile, kufuneka ufake ifayile yokubuyisana kunye neqabane lakho.
Isixa se-EITC sakhiwe ngokubhekiselele kubani abanokuxhomekeka kwabo kunye nemali engenayo. Ukuba ufumana imali kakhulu, awuyi kufaneleka.
Abaxhomekeke ngakumbi, unomvuzo omkhulu. Ukuba ingeniso yakho iphantsi kwaye unabantu abathathu okanye abaxhomekeke kuninzi, unokufumana ilungelo lokufumana iRhafu yeNgeniso yeNgeniso evela kwi-$ 6,318 ngo-2017.
Ityala leNtlawulo yoMntwana
Le yinye ityala eyaziwayo. Unako ukufumana i-$ 1,000 ngomntwana ukuya kwii-3,000 zamawaka xa unabantwana.
Kumele ukuba bangaphantsi kwe-17, kwaye bobabini kunye nabantwana bakho kufuneka babe neenombolo zoKhuseleko lweNtlalontle ezabelwe ngomhla okanye phambi komhla wokuhlawula irhafu wonyaka. Umntwana ngamnye kufuneka abe ngumntwana wakho, umntwana wakho owamkelweyo, umntwana okhutshwe ngumntwana onikwe igosa likarhulumente, okanye umntakwabo. Ukuba kwenzeka ukuba unayo nayiphi na ingeniso yakhe, akakwazi ukubonelela ngesigidi okanye ngaphezulu kwenkxaso yakhe yemali kunyaka werhafu. Kumele umcelele njengomntu oxhomekeke kuye kwaye kufuneka abe ngummi wase-US.
Kumele ukuba wahlala nawe ubuncinane ubuncwane bonyaka.
Njengoko i-Income Income Credit, awukwazi ukufumana imali eninzi xa unethemba lokufumana ilungelo elipheleleyo le-$ 1000 ngomntwana ngamnye. Ngomnyaka werhafu ka-2017, umyinge wokufumana imali ungama-75,000 ayi-75,000 kwi-single-head and head headers yefowuni, i-R10 000 yezibini ezitshatileyo ezifake kunye, kunye ne-$ 55,000 xa utshatile kodwa ufaka ibuyiselo ehlukile. Kumele ususe iRandi 50 kwi-credit card yakho yonke i-$ 1,000 oyifumanayo kule mida.
Ngokwenene, iNkcazo yeMboleko yabantwana ayibuyiselwa imali, kodwa kubanjwa. Ukuba ubuncinane ubuncinane be-$ 3,000 kwimali engenayo, unokufumana ilungelo lokuThengwa kweNtlawulo yeNtlawulo yabantwana, kwakhona, enokubuyisela imali ephaketheni lakho. Ukususela ngo-2017, le ngxowa-mali ingaba ne-15 ekhulwini yengeniso yakho ehlawulwa irhafu kwi-3,000. Ukuba unokubanga iNgxowa-mboleko yeNtlawulo engakumbi yabantwana, unako ubuncinane ubuninzi beNtlawulo yakho yentlawulo yeNtlawulo yabantwana emva kwakho nawuphi na amatyala amatyala onokukuhlawulwa.
Ezinye iiKredithi eziNinzi ezingabuyiselwayo
Kukho amanqaku amaninzi angahlawulwanga irhafu, kodwa ezinye ziqhelekileyo kunezinye.
- Ukuba ubuncinane ubuneminyaka engama-65 okanye ukuba ukhubazekile, unokukwazi ukubiza ityala letyala kubantu asebekhulile nabakhubazekile, ngamanye amaxesha kuthiwa yi " Matrato yeMatyala eMatriki ." Kwakhona, xa ufumana imali eninzi, ukufaneleka, kunye nemibundu ihle kakhulu: i-$ 17,500 kuphela kwimali engenayo ehlawulweyo ukuba unomnye okanye intloko yefayili yendlu. Ukubala okunzima kakhulu kunokuba kuyenzeka ukuba ungekho ukuThengiswa koLuntu kweNtlalo okanye enye ingeniso yomhlalaphantsi. Inani lemali-mboleko lisuka kwii-3,750 zama-dollar ukuya kwii-7 500 zama-dollar ngo-2017.
- Unokufanelekela uMntwana kunye neNkcazo yokuThatha iNkcazo xa uhlawula umkhathaleli ukuba abukele umntwana wakho okanye abantwana abaneminyaka engaphantsi kwe-13 ukuze usebenze okanye ujonge umsebenzi. Unako ukufaneleka ukuba lakho iqabane lingakwazi ukuzinyamekela ukuze uhlawule umntu ukuba amnyamekele. Le ngxowa-mali inokufikelela kuma-35 eepesenti eendleko zakho zokunakekelwa ezifanelekileyo, kodwa kwakhona, ziyaxhomekeke kwimingcele yembuyekezo.
- Kukho izikripthi zerhafu ezimbini zemfundo ezitholakalayo kunyaka werhafu ka-2017: i- Lifetime Learning Credit kunye ne- American Opportunity Tax Credit . Ngamnye ukuvumela ukuba uchithe ipesenti yento ohlawula ngayo kwizifundo kunye neendleko ezinxulumene nawe, lakho iqabane okanye umntu oxhomekeke kuyo ukuba aqhubeke nemfundo yesibini. Iimali zale mboleko ziyancipha njengoko ingeniso yakho iyanda ngaphezu kwemida ethile. Imithetho ibonisa uhlobo lweendleko zemfundo ezifanelekayo kwi-credit, kubandakanywa iimali ezithile kunye neendleko ezifunekayo. Unokubanga enye yezi khredithi okanye enye, kodwa kungabini bobabini.
Qhubeka ngokulumkisa
Ezi zi khredithi ziyintloko nje ye-iceberg kwaye imigaqo echazwe apha yile nkcazo. Qinisekisa ukuba unelungelo lokubanga izi khredithi zerhafu okanye abanye ngaphambi kokuba wenze njalo. Ukuzama ukubiza ityala yerhafu ongazifanelekanga kunokubangela ukuphicothwa kwe-IRS , into engekho mntu ofuna ukujongana nayo. Kulula ukuthatha i-misstep ngenxa yokuba imithetho yamatyala amaninzi ayangenelela kwaye anzima. Ukuba unakho ukungathandabuzeki nonke, unokufuna ukukhangela ngumphathi werhafu ngaphambi kokuba ufake ifayile yakho yokubuya.
Ngokuphathelele loo mingcele yokufumana imali, gcinani engqondweni ukuba kwiingxowa-mboleko ezininzi, zibhekiselele kwingeniso yakho epheleleyo ehlawulwayo okanye i-AGI, kungekhona inani elipheleleyo lemali oyifumana kulo nyaka. Unokufumana i-AGI yakho kumgca we-37 yentlawulo yakho yentela xa ufom ifom ye-1040, kumgca we-21 ukuba ufake Ifom ye-1040A, okanye umgca we-4 kwiFomu 1040EZ.
I-AGI yakho ishiywe emva kokuba uthathe ezithile "ngaphaya komgca" utshintsho kwimali engenayo kodwa ngaphambi kokukrazula ukuncitshiswa kwakho okuqhelekileyo okanye ukuncitshiswa kweemali. Kwaye ezinye iikhredithi zisebenzisa iholo lakho elincinciweyo elitshintshileyo endaweni leyo, nangona oku kufana ne-AGI yakho kubahlawuli berhafu abaninzi. Kwakhona, ukuba awuqinisekanga ukuba yi-MAGI yakho kwaye kufuneka uyazi, jonga ingcali yerhafu.