Imfuneko yokuFakelwa kweRhafu yeNkcitho yeNyaka weRhafu 2017
Ngaba Unyanzelekile Ukufaka Ibuyiselo?
Izinto ezintlanu zichonga ukuba ngaba ufanele ufake ifayile yentlawulo kunye nokuba ungakanani ukufumana ngaphambi kokuba wenze oku:
- Ngaba ungumntu oxhomekeke kuyo ?
- Iyini isimo sakho sokufakela ?
- Ingaba umngakanani?
- Ngaba uyimfama?
- Yayiyiphi imali engenayo yonyaka?
Ngokwe-IRS, ingeniso engenayo ithetha "yonke ingeniso oyifumanayo ngemali, impahla, impahla kunye neenkonzo ezingenakhululwa irhafu." Le mivuzo ingeniso ngokumalunga nengeniso oyifumene ngo-2017, ekufuneka uyixele kuyo xa ufaka irhafu yakho yerhafu ngonyaka ka-2017 ngo-2018.
Izidingo zokuFakela ngeNgeniso
Ukuba ingeniso yakho ilingana okanye idlula ixabiso eliboniswe kwitshathi elingezantsi, uya kufuneka ufake ifayile yentlawulo.
Ezi tafile zipapashwa yi-IRS kwiSaziso 17 kunye noPapasho 501. Zihlaziywa ngonyaka.
| Ukuba isimo sakho sokufakela ... | Kwaye ekupheleni kuka-2017 u ... | Emva koko kufuneka ufake ifayile xa umvuzo wakho ubuncinane ubuncinane ... |
| Ongatshatanga | ngaphantsi kwama-65 | $ 10,400 |
| 65 okanye ngaphezulu | $ 11,950 | |
| Ukutshata ngokutshata ngokubambisana | ngaphantsi kwama-65 (bobabini bomtshato) | $ 20,800 |
| 65 okanye ngaphezulu (elinye iqabane) | $ 22,050 | |
| 65 okanye ngaphezulu (bobabini bomtshato) | $ 23,300 | |
| Ukutshata ngokufakela ngokwahlukileyo | nawuphi na ubudala | $ 4,050 |
| INtloko yekhaya | ngaphantsi kwama-65 | $ 13,400 |
| 65 okanye ngaphezulu | $ 14,950 | |
| Umhlolokazi ofanelekayo (er) nomntwana oxhomekeke kuye | ngaphantsi kwama-65 | $ 16,750 |
| 65 okanye ngaphezulu | $ 18,000 |
2017 Imfuneko yokuFakela abaThobileyo *
Ukuba ungatshatanga, ukuba umntu onokuthi unokuthi unxhomekeke kuye, kwaye ukuba uneminyaka engama-65 okanye ngaphezulu okanye ongaboniyo, kufuneka ufake ifayile kwiiimeko ezilandelayo:
- Ingeniso engafumanekanga yayingaphezulu kwamaRandi ayi-1,050
- Ingeniso efumanekayo yayingaphezulu kwamaRandi 6,350
- Imali engenayo yonke yayingaphezu kwe-1,050 yeeRandi okanye imali eyayiyifumana ukuya kwii-6,000 zamaRandi kunye ne-350
Abaxhomekeke kumntu ongaphantsi kweminyaka yobudala engama-65 okanye ngaphezulu okanye imfama kufuneka ifake ibuyiselo kuyo nayiphi na imeko elandelayo:
- Imali engenayo engafumanekanga yayingaphezulu kwama-2,600, okanye i-$ 4,150 ukuba uneminyaka engama-65 okanye ngaphezulu kwaye uyimfama
- Imali engenayo efunyenwe yayingaphezulu kwamaRandi ayi-7 600, okanye i-$ 8,850 ukuba uneminyaka engama-65 okanye ngaphezulu kwaye yimfama
- Imali engenayo yayininzi ngaphezu kwe-$ 2,600 (i-$ 4,150 ukuba i-65 okanye ngaphezulu ibe yimfama) okanye kwimali engenayo eya ku-$ 6,000 kunye ne-1,900 zamaRandi (i-3,450 zamaRandi ukuba i-65 okanye ngaphezulu ibe yimfama)
Abaxhomekeke kwimitshato abangeneminyaka yobudala engama-65 okanye ngaphezulu okanye abangaboniyo kufuneka bafake ibuyiselo kwiimeko ezi zilandelayo:
- Ingeniso engafumanekanga yayingaphezulu kwamaRandi ayi-1,050
- Ingeniso efumanekayo yayingaphezulu kwamaRandi 6,350
- Ingeniso eninzi yayingenani i-$ 5 kwaye iqabane lakho lifake iifayile ezibuyiselwayo kunye nokuncitshiswa
- Imali engenayo yonke yayingaphezu kwe-1,050 yeeRandi okanye imali eyayiyifumana ukuya kwii-6,000 zamaRandi kunye ne-350
Abaxhomekeke kwiminyaka yobudala engama-65 okanye ngaphezulu okanye imfama kufuneka ifake ibuyiselo kuyo nayiphi na iimeko ezilandelayo:
- Imali engenayo engafumanekanga yayingaphezu kwe-$ 2,300, okanye i-3,550 yeedola ukuba uneminyaka engama-65 okanye ngaphezulu kwaye uyimfama
- Imali engenayo efunyenwe yayingaphezulu kwamaRandi ayi-7 600, okanye i-$ 8,850 ukuba uneminyaka engama-65 okanye ngaphezulu kwaye yimfama
- Ingeniso eninzi yayingenani i-$ 5 kwaye iqabane lakho lifake iifayile ezibuyiselwayo kunye nokuncitshiswa
- Imali engenayo yonke yayingaphezu kwe-$ 2,300 (ii-3,550 zamaRandi ukuba ngaba bobabini okanye ngaphezulu okanye abangaboniyo) okanye imali eyimali engenayo ukuya kwii-6,000 zamaRandi kunye ne-1,600 zamaRandi (ii-2,850 zamaRandi ukuba i-65 okanye ngaphezulu ibe yimfama)
* Kucatshulwe kwi-IRS Publication 929
Ezinye iimeko xa kufuneka ufake i-2017 Buyela *
Uya kufuneka ufake ifayile xa kukho nayiphi na le miqathango emine isebenza kuwe ngo-2017:
- Uhlawulwa nayiphi na iirhafu ezikhethekileyo, kubandakanywa irhafu yerhafu enye okanye irhafu eyongezelelweyo kwisicwangciso somhlala-phantsi esifanelekileyo njengomntu ngamnye we-IRA okanye enye i-akhawunti ene-tax-favorored account. Kodwa ukuba ufanele ufake ifayile kuphela, ungayifaka i-IRS Ifomu 5329 ngokwalo. Ezinye iirhafu ezikhethekileyo ziquka ukuKhuselwa koLuntu kunye neMedare kwiingcebiso ongazange zibike kumqeshi wakho okanye irhafu kwimali oyitholile kumqeshi ongazange avimbele ezi ntlawulo kwi-pay yakho. Ziquka iirhafu zokubuyisela, njengetyala le-homebuyer ye-first-time, engenakufumana i-Social Security and Medicare okanye irhafu ye-RRTA kwiingcebiso ozixelele kumqeshi wakho, kunye neerhafu ezongezelelweyo kwi-akhawunti yokulondoloza impilo.
- Wena-okanye lakho iqabane xa ufaka i-HSA, i-Archer MSA okanye i-Medicare Advantage MSA.
- Unemali yokufumana imali evela kwi-self-employment ye-$ 400.
- Unemivuzo ye-108.28 okanye ngaphezulu ukusuka kwicawa okanye inhlangano elawulwa yibandla ekhutshwa ngumqeshi weNtlalo noKhuseleko lweNtlawulo.
- Wena, lakho iqabane, okanye oxhomekeke kuyo babhalise kwi-Healthcare.gov kwi-Marketplace phantsi koMthetho woNonophelo ongenakunqwenelekayo kunye neentlawulo zeentlawulo zentlawulo ye-premium zenziwe kuwe. Uya kukwazi ukuba oku kukubhekiselele kuba uya kufumana iFomu 1095-A echaza iintlawulo.
* Kucatshulwe kwi-IRS Publication 17
Ngoko Yenzani Zonke Ezi Nombolo?
Imfuno yokufakela yintlawulo ephantsi yokuhlawulwa komhlawuli werhafu kunye nokuxolelwa komntu ngamnye okudibene kunye. Nasi umzekelo.
KuLuhlu 1, umntu ongeneminyaka engaphantsi kweminyaka engama-65 unesidingo sokufakela i-$ 10,400 ngonyaka we-2017. Umntu omnye unokuhlawula okuqhelekileyo kwe-$ 6,350 ngo-2017. Itheyibhile 1 ngabahlawuli berhafu abazimeleyo, ngoko lo mntu oyedwa unelungelo lokubiza ubuncinane bodwa ukukhululwa komntu omnye obiza i-$ 4,050 ngo-2017. Xa songeza i-$ 6,350 kunye ne-$ 4,050, siza nge-$ 10,400, kwaye kuyafana nokufunwa kwemali.
Ukuncitshiswa okuqhelekileyo kuyahluka ngokusekelwe kwisimo sokufakela umrhafi, kwaye abantu abaneminyaka engama-65 okanye ngaphezulu nabangaboniyo bafumana ukuncitshiswa komgangatho ophezulu ngaphezu kokuncitshiswa komgangatho oqhelekileyo. Izidingo zokufayilila ziyahlukana ngenxa yezi mali ezahlukeneyo. Umlinganiselo wokufunwa kwefayili umele inani elincinci lokuncitshiswa umntu unokusekelwe kwiimeko zabo zerhafu.
Umthwalo werhafu lomntu-oko kufunwa ukuhlawula i-IRS kwerhafu yombuso-kusekelwe kwingeniso ehlawulwayo, leyo ingeniso yakhe engenayo yiphina inzuzo. Ngamanye amazwi, akukho ntlawulo ifanelekile xa umvuzo womntu ohlawulwayo ungaphantsi komyinge wokuncitshiswa komgangatho kunye nokuxolelwa kwakhe, kodwa kukho imeko apho ingeniso yomntu ingawela phantsi kweemfuneko zokufakela kodwa uya kuba neerhafu njengalezo zichazwe ngasentla.
Inani lokufunwa kwamanani linokutshintsha unyaka ngamnye kuba ukuchithwa okuqhelekileyo kunye nemali yokukhutshwa komntu ngamnye kunokutshintsha unyaka ngamnye. Zihlengahlengwa rhoqo ngonyaka ngokusekelwe kutshintsho kwimali yokunyuka kwamaxabiso.
Ngaba bekuya kuba yintoni imbono efanelekileyo yokufaka ifayile yokubuyela kwakhona nangona ingafuneki?
Uya kufuna ukufakela impendulo nangona ungafuneki ukuba wenze njalo ukuba uya kufumana imali yokubuyisela irhafu. Ukuba unayo irhafu egcinwe kwingeniso yakho efana nokugodla umvuzo okanye isabelo somhlala-phantsi, uhlawulise iirhafu zakho ukuba ingeniso yakho iwele ngaphantsi kwemigangatho engentla. Awunayo imbopheleleko yentela ukuze unelungelo lokubuyiselwa kwemali elalikhutshwe. I-IRS iya kugcina ngaphandle kokuba ufake ifayile yentlawulo.
Kwakhona kunokuvelisa imali yokubuyisela irhafu ukuba unelungelo lokufumana enye okanye ngaphezulu kweerhafu ezibuyiselwayo , ezifana nekhredithi efumana imali, ityala letyala lomntwana okanye inkokhelo ye - American Opportunity . Uya kufuneka ufake ifayile yokubuyisela ukubala ezi khredithi kwaye ucele ukubuyiselwa kwemali kwi-IRS.
Ungaphinda ufune ukufakela ukubuyela kweerhafu njengendlela yokuqapha. I-IRS inexesha elithile lokukhawuleza ukukhutshwa kwemali yentlawulo, ukuqhuba uphicotho-zincwadi, kunye nokuqokelela irhafu ecinga ukuba umntu unokuhlawula. Ezi mida zixesha zibizwa ngokuba yimimiselo yemingcele . Ngokubanzi, i-IRS ineminyaka emithathu ukusuka ngomhla wokubuyela kwerhafu ifakwe ukuqala uphicotho-zincwadi, kwaye ineminyaka eyi-10 ukusuka ngomhla wokubuya kwentela efikile ukuqokelela irhafu. Ukuba ukubuyiswa akufakiwe, loo miqathango ayiyi kuqala. Oku kunokukushiya ukutyhila kwi-audit or actions collections. Ukufakela ukubuyisela kuqala i-clock ukukhawuleza kule miqathango yemida.
Unokufuna ukufakela ibuyiselo nangona ungenayo ukuba u-okanye mhlawumbi ube yintlanzi yobalo besazisi. Ukufakela ukubuyiswa kufaka i-IRS isaziso malunga nokuba yinzuzo yakho yangempela yonyaka, kwaye ikhusela isela lokungena kwifayile yokubuyisela irhafu ngokusetyenziswa kwegama lakho kunye nenombolo yoKhuseleko loLuntu.