Unako ukusilela okanye ukukhawulezisa kokubini inzuzo kunye nokuncitshiswa
Ukukhawuleza kunye nokuThatyathwa-Indlela eSebenza ngayo
Ukufumana ingeniso ngokukhawuleza kuthetha ukuba uza kuzama ukufumana ingeniso engaphezulu kulo nyaka, ngakumbi ingeniso ekhoyo kwi-cusp kuba ingahle ihlehliswe kuze kube yonyaka ozayo. Ngokufanayo, ukukhawuleza ukuncitshiswa kuthetha ukuchitha imali kwiindleko eziza kuvelisa irhafu ngoku.
Ukuchasene nemali engenayo kuthetha ukugxeka okanye ukulibaziseka ukufumana iimali ezithile kuze kube ngunyaka ozayo. Ukuchithwa kweehlwayo kuthetha ukuthintela imali ekuthengeni irhafu kwixesha elizayo kunyaka ozayo okanye kwiminyaka kamva xa ezo zithintelo zingaphaya ngakumbi kwiimeko zakho zerhafu.
Ukukhawuleza ingeniso kunye / okanye ukuchithwa kwemisebenzi yokunyusa ukunyusa inani lemali engenayo ehlawulwayo kunyaka okhoyo. Le nto ingaba isicwangciso esincedo ukuba ingeniso yakho iwela kwibhaksi yerhafu ephantsi kulo nyaka xa kuthelekiswa nento okulindele ukuba ibe ngumnyaka ozayo. Ukuchasene nemali engenayo kunye / okanye ukukhawuleza imisebenzi yokunciphisa ukunciphisa inani lemali engenayo ehlawulwayo kunyaka okhoyo, kwaye oku kunokuba luncedo xa umvuzo wakho uwela kwibhakethi yerhafu ephezulu kulo nyaka kunokuba ulindele ukuba uza kunyaka ozayo.
Ezi ziqhinga ezine zizondelelene nexesha elifanelekileyo lemali ehlawulwayo kunye nokusetyenziswa kwemali yokuncedisa iinjongo ezinxulumene nentlawulo.
Izindlela zokuPhatha ingxelo
Ixesha lokufumana imali kunye nokuncitshiswa lixhomekeke kwinkqubo yokuphendula imali yomhlawuli werhafu. Ngokutsho kwe-IRS, "Abantu abaninzi kunye namashishini amancinci amaninzi basebenzisa indlela yokwenza imali," ngoko siza kugxininisa apha kwimithetho yemali yokuhlawula abahlawuli berhafu abaqeshwe ngabasebenzi.
Ngaphantsi kwendlela yokwenza imali, "Uquka kwimali engenayo yonke into oyifumanayo ngenene okanye uyifumana ngokukhawuleza kunyaka werhafu," ngokwe-IRS. "Uchitha iindleko zonyaka werhafu apho uzihlawula ngokwenene ... Nangona kunjalo, unganakho ukukrazula iindleko ezihlawulwe kwangaphambili. Kunoko, unokufuneka uhlawule iindleko ezithile."
Ngoko abantu abaqeshwe ngokuzimela baya kuxela ingeniso ekhoyo ngokwenene okanye eyakhiwe ngokukhawuleza kunyaka werhafu. "Ukwakha ngokubanzi" ithetha imali engenayo "inikwe ingxelo kwi-akhawunti yakho okanye ifunyenwe kuwe ngaphandle kwemingcipheko." Akudingeki ukuba ube nefa ... Ingeniso ayifumanekanga ngokukhawuleza ukuba ulawulo lwakho lokufumana luxhomekeke kwimimiselo okanye imingcele. "
NgesiNgesi esicacileyo, ukuba ufumana iireki ngasekupheleni kweDisemba kwaye ungayifaki kuze kube nguJanuwari, leyo ngeniso ifunyenwe ngokufanelekileyo ngoDisemba xa ifunyenwe kuwe. Ukuhlala kuzo enye inyanga kwakukhethiweyo- unokuzifaka . Ngomqondiso ofanayo, ukuba umthengi ukuthumele isheke emva komhla kaJanuwari, ukulawulwa kwakho kwemali kuxhomekeke kwimingcele ukwenzela ukuba kube ngu-Januwari ingeniso.
Amanqanaba okukhawuleza kwiNkxaso yokuSebenza abaSebenzayo
- Buza abathengi ukuba bahlawule ngoku. Shayela okanye ubhale kubathengi abasemva ekuhlawuleleni iivoyisi zakho. Oku akukona nje ukukhawulezisa imali engenayo, kodwa kuhlaziya iakhawunti zakho ezifunyenweyo.
- Cela iikhokhelo eziphambili kwiiprojekthi eziza kutsalwa kulo nyaka nangomhla.
Ukuba ukhokhwa yerhafu yeepesenti yeli-15 kulo nyaka, kwaye ukuba ulindele ukuba uza kuba kwi-bracket ye-25 ekhulwini ngonyaka ozayo, ukukhawuleza imali engenayo kulo nyaka kungabangela ukuba loo ntlawulo ihlawulwe intela ephantsi. Kodwa kukho iibhakethi zerhafu ye-caveat ezisekelwe kwisixa semali yakho engenayo ukuze uthathe imali engaphezulu kulo nyaka unokubangela ukuba ufumane imali engenayo kwaye uphume ngaphandle kweso sikhonkco se-15. Yinto ethile yesenzo sokulinganisela ukufumana okulungileyo. Uya kufuna ukuthatha ingeniso eninzi kulo nyaka ngokusemandleni ngaphandle kokuzitshintshela kwi-bracket yerhafu ephezulu.
I-Self-Employment Tax
Uyakufuna kwakhona ukugcina iliso kwerhafu yengqesho . Le rhafu inamacandelo amabini: Ukhuseleko lwezeNtlalo kunye neMedare. Ngokuqhelekileyo, abaqeshi bahlawula isiqingatha sale ntlawulo egameni labasebenzi babo.
Ukuba usebenza ngokuzimeleyo, kunjalo, kufuneka uhlawule ngokwama-halves ngokwakho.
I-12,4 yepesenti yentlawulo yeNtlalo iyayeka xa ingeniso yomhlawuli-ntlawulo idlula i-127,200 i-$ 201,200 ngo-2017. Cinga ngokukhawuleza imali engenayo ukuba usondele kule mingcele ngenxa yokuba nayiphi na into oyifumanayo kule mali iya kusindiswa kwerhafu.
Iirhafu zonyango ezongezelelweyo ze-0.9 yepesenti-ngaphezulu kwe-2.9 ekhulwini Ierhafu yerhafu ezibandakanyiweyo njengenxalenye yerhafu yokuqeshisa-yenzeke xa iholo lakho lingena kuma-$ 200,000 kwiifayili ezingaqhelekanga okanye iintloko zeefayili zasemakhaya, i-$ 250,000 yezibini ezitshatileyo ezifakela ngokubambisana, kunye ne-125,000 zamawaka ezibini ezitshatileyo ezifakela ngokwahlukileyo. Ukuba udibanisa kunye neqabane lakho, le yerhafu yongeziweyo ihlolwe kwi-Medicare yomvuzo kunye kunye nenzuzo engenayo yokufumana ingqesho yomntu ngamnye. Ngoko nantsi enye igama lesilumkiso: Ukuba ucinga ngesicwangciso sokuphucula ingeniso, ungase ufune ukuzama ukuphepha ukukhawulezisa imali engenayo, ukuzingca ngokwesiqingatha kwimali engenayo apho le ntlawulo yomrhumo eyongezelelweyo iya kusebenza.
Amanqaku okuThatyathwa kweNgeniso kwi-Self-Employed
- Thumela iileta zokuqokelela ngoJanuwari esikhundleni seDisemba ukunyusa umvuzo othile kunyaka ozayo.
- Buza iintlawulo ezincinci eziphambili kwiiprojekthi eziye zaphela kulo nyaka kwaye zilandelayo.
Ukuba uneminyaka engama-25 ekhulwini kwesikhonkco kulo nyaka kwaye ulindele ukuba ube kwi-bracket ye-15 ekhulwini ngonyaka ozayo, unokwenza ufumane ingeniso yakho engaphantsi kwentlawulo ngokuchasa umvuzo kunyaka olandelayo. Abahlawuli berhafu abaqeshwe ngokuzimela abaya kuba kufuphi nomyinge weerhafu zonyango ezongezelelweyo zingathanda ukucinga ingeniso ehlawulwayo xa iya kubagcina phantsi kwembombo kokubili kulo nyaka kunye nangolandelayo.
Izicwangciso ezibandakanya ukuThatyathwa kwexesha
Abantu abaqeshwe ngokuziqhayisa bathetha ukuxothwa okuhlawulwa ngokwenene kunyaka, nangona ezinye iinqununu zingakhokhelwa emva konyaka. Ngokomzekelo, iminikelo kwi-IRA inokwenziwa kuze kube ngu-Ephreli 15 wonyaka olandelayo, kwaye iminikelo ye-SEP-IRA ingenziwa kuze kube ngu-Apreli 15, okanye kube ngo-Oktobha 15 ukuba uthatha isandiso. Kuzo zonke ezinye izithintelo, nangona kunjalo, iindleko ziya kufuneka zihlawulwe ngexesha lonyaka wekhalenda.
Ukukhutshwa kweeNkcazo zokuKhawulwa koMntu oZisebenzisileyo
- Thenga izixhobo kulo nyaka kunomnyaka ozayo. Iikhomputha, isofthiwe, izithuthi, ifenitshala kunye nezinye iindidi zezixhobo ziyancipha ngaphezu kweminyaka emininzi, eyona yindlela yokunciphisa ukuchithwa, okanye iyakubhalwa ngokukhawuleza isebenzise icandelo le-179 yokutsalwa. Kufuneka ufake i sixhobo enkonzweni kunyaka okhoyo ukuba usebenzisa le ndlela.
- Isitoreji kwi-ofisi yeeofisi. Ukuba udinga amanani okuncinci ambalwa kulo nyaka ukwenzela ukuba uhlawule umrhumo wakho werhafu ngaphantsi, le yindawo enhle ukuqala.
- Cinga ngeebhonasi ezihlawulela abasebenzi bakho kulo nyaka.
- Cinga ukwenza i-4 yekota yeerhafu zerhafu ngenyanga kaDisemba kunokuba ngoJanuwari.
Amacandelo okuDeduction Deferral for the Self-Employed
- Ukubeka utyalo-mali kwiikhomputha kunye nezinye izixhobo kude kube ngumnyaka ozayo.
- Lindela unyaka ozayo kwisitokethi kwimpahla kunye nezinye iimfuneko zeofisi ukuba kunokwenzeka.
- Cinga ngeebhonasi ezihlawulayo kubasebenzi bakho ngoJanuwari endaweni yeDisemba.
Hlaziya iincwadi zakho kunye neNkqubo yokuThengisa iNcwadi
Hlaziya impilo yemali yebhizinisi lakho kunye ne-akhawunti yakho. Abaningi bama-akhawunti baya kukunceda uhlaziye inzuzo yakho kunye ne-loss sheet yakho kunye nekhadi lakho lokulinganisela ukuchonga izicwangciso zerhafu zokugqibela zonyaka ezifanelekileyo kwi shishini lakho.
Abashishini kufuneka baphinde bavavanye ukuba ngaba inkqubo yabo yokubhaliweyo yangoku iyanelisa iimfuno zabo. Kukho ezininzi iinkqubo zeekhompyutheni zengxelo zekhompyutha ezikhoyo xa inkqubo yakho yangoku ingenazo zonke iimpawu ozifunayo okanye ozifunayo.
Ukuphonononga iSicwangciso sakho soMhlalaphantsi
Abantu abaqeshwe ngokuzimeleyo banokhetho oluninzi xa kuziwa kwizicwangciso zomhlalaphantsi, kuquka ii-SEP-IRAs, i- SIMPLE IRAs kunye no- 401 (k) izicwangciso. I-SIMPLE kunye no-401 (k) izicwangciso mazibekwe okanye zimiselwe ngethuba lonyaka wekhalenda nangona icebo lixhaswa ngemali ngonyaka ozayo. ISICWANGCISO esilungileyo kufuneka sisungulwe ngaphambi ko-Oktobha 1, no-401 (k) izicwangciso mazimiselwe ngo-Disemba 31. Phonononga icebo lakho langoku ukuze ubone ukuba kunye namanqanaba akho enkxaso afanelekileyo kwiimfuno zakho zonyaka ozayo.
Ukuphonononga Ukhetho Lwakho Loshishino
Abaqhelanisi bahlala bezisebenzela bona ngaphandle kwesakhiwo soshishino esisemthethweni, esivame ukubizwa ngokuba "singabandakanywa." Oku kunokuba kuhle kakhulu kwiimfuno zakho, kodwa kukho ezinye iimeko ezinje, njengokwenza iqumrhu, ubambiswano, inkampani ejongene nemfanelo, okanye esinye isakhiwo esisemthethweni. Akukho bukhulu bomntu obufanayo-yonke impendulo. Oosomashishini abasebenza phantsi kolunye uhlobo lwesakhiwo banokufuna ukuphonononga ukuba ngaba isakhiwo esithile soshishino sinokuba luncedo kakhulu kubo.
Isakhiwo ngasinye seshishini sineentlawulo zerhafu kunye neentsilelo. Ingaba isicwangciso esicwangcisekileyo ukuhlaziya isakhiwo sakho seshishini ukuba iimali zakho okanye ukunyuswa kweerhafu kuguquka kakhulu.
Ukuhlaziywa kweeNtlawulo zerhafu ezilinganisiweyo
Uya kufuna ukuseka isicwangciso sentlawulo yentela ngenxa yonyaka ozayo. Oku kubandakanya ukuhlawula kwentlawulo eqikelelwa kwe-4, efunekayo ngoJanuwari 15. Ukuhlawulwa kwentlawulo, ukuba kukho nayiphi na into, kubangelwa ngo-Apreli 15, kwaye intlawulo yokuqala yokuhlawula irhafu nayo iyafuneka ngo-Apreli 15. Le mihla ingenwe ngolunye usuku okanye ezimbini kwiminyaka ethile ukuba i-15 yeenyanga iyawa ngeveki okanye iholide yesizwe.
Fumana ingcamango yokuqala yeemfanelo zakho zerhafu eziza kuba kulo nyaka ukwenzela ukuba unombono wokuba ufanele uzibekele ngaphaya kangakanani iirhafu zonyaka kunye nonyaka ozayo.