Kutheni ufuna ukufaka ifayile yokubuya, kwaye uyayenza njani loo nto?
Kutheni ufuna ukufaka ifayile yokubuya, kwaye uyayenza njani loo nto?
Ukuba unomsebenzi ngokuhlawula rhoqo, ngokuqinisekileyo sele uhlawula irhafu! Iirhafu ezihlawulwayo kwimali yakho yokufumana imali zigcinwe kwi-paycheck yakho kwaye zihlawulwa kubarhulumente bamazwe kunye noorhulumente.
Ngoko kutheni ufuna ukuba "wenze irhafu" minyaka yonke?
Kutheni ufuna ukufaka ifayile yokubuyisela iRhafu
Kubaqalayo, ukuhlawula kwakho ukuhlawula ngokuqhelekileyo akukona ngokuchanekileyo: Izigqibo ozenzayo xa usetha ukuhlawula kwakho ukuhlawula ekuqaleni kwengqesho yakho kunokubangela ukuba ungaphantsi okanye uhlawule irhafu yakho.
Ukongeza, unokukwazi ukunciphisa irhafu oyenayo-kwaye ke, thola imali yentela oye wahlawula ngayo ngokuthatha intsalela ethile okanye iikhredithi ezibonelelwe kwikhowudi yentlawulo. Kwiphepha le-flip, unokufumana ingeniso eyongezelelweyo engabandakanyi kwi-paycheck yakho efunekayo ngokusemthethweni ukuba ibhengeze, kwaye oko kunokubangela ukuba uhlawulwe ngaphezulu kweerhafu.
Isiphumo saloo nto kukuba kufuneka ufake i- tax return ngonyaka. Kule nkqubo, ichongiwe ukuba ngaba uhlawulisa irhafu eyongezelelweyo ngaphaya koko sele uhlawule kakade kubarhulumente bombuso kunye nawurhulumente, okanye ukuba unetyala lokubuyiswa kweerhafu oye wahlawulwa.
Ukubuyela kwakho kwentlawulo yonyaka werhafu kubangelwe okanye ngo- Ephreli 15 wonyaka olandelayo. Ngokomzekelo, ukubuyela kweerhafu zakho ngonyaka ka-2017 kuya kuba ngo-Apreli 17, 2018.
Indlela yokuFaka iRhafu yeRhafu
Kukho iindlela ezintathu eziphambili zokufaka ifayile yakho irhafu.
- Faka ifayile yakho ngesandla, uzalise ifomu ebizwa ngokuba ngu-1040, ngokwemiyalelo enikwe i-IRS; kwaye uyithumele kwi-IRS, kunye nayo nayiphi na intlawulo omele.
- Sebenzisa inkqubo yesofthiwe okanye iwebhusayithi yeenkonzo ezifana neTurboTax okanye i-H & R Block. Inkonzo iya kukuhamba ngoluhlu lwemibuzo malunga nemali engenayo kunye nokuncitshiswa okungenako, ukuzalisa i-1040 yakho, kwaye (ukuba ukhetha kanjalo) uyifake ngekhompyutheni yakho.
- Fumana uncedo lwezakhono kwi- akhawunti okanye i-preparator yerhafu , oza kusebenza nawe ukukhulisa imali yakho yokubuyisela kwaye ugcwalise ukubuyiswa kweerhafu egameni lakho.
Ikhetho lokuqala likhululekile. Ukuba uya kunye nenketho yesibini, kuya kufuneka ukuba uhlawule umrhumo, nangona ezinye iinkqubo zibonelela ngokukhululeka ngokukhululekile ukuba ukubuyela kwakho kulula. Inketho yesithathu-uncedo lobugcisa-ngokuqinisekileyo liya kubabiza imali.
Indlela Imali Yakho Imiselwe ngayo
Kufuneka uninzi kangakanani ukuhlawula irhafu kwizinto ezihlawulwa ngokukodwa ngenani lemali engenayo. Urhulumente wesigqeba usebenzisa inkqubo yerhafu yokuqhubela phambili , oko kuthetha ukuba imali eninzi oyenzayo, ephakamileyo izinga lakho lokurhafisa. Ezi xabiso zichongwe ngama- brackets ; Ngokomzekelo, ukuba wenza phakathi kwe-$ 91,900 kunye ne-191,650 yee-$, uhlala kwi-28 yepesenti yentela. Nangona kunjalo, kuphela inxalenye yengeniso yakho ngaphezu kwe-91,900 zama-dollar iya kuhlawulwa kuloo mazinga angama-28. Ngaloo ndlela, ngokuchasene neenkolelo eziqhelekileyo, ukufumana ukuphakanyiswa okukuhambisa kwi-bracket ephezulu akuthethi ukuba uvuselela imali ekhaya!
Ukuba unomsebenzi oqhelekileyo, umqeshi wakho uya kukunika ifomu ebizwa ngokuba yi- W-2 ; Oku kubandakanya ulwazi malunga nokuba bakuhlawule kangakanani, kwaye ubuncinane sele bencitshisiwe kwiirhafu. Olu lwazi luya kudluliselwa kwirejista yakho yerhafu, kwaye yindlela eyona nto yokumisela ukuba uninzi-okanye uhlawulwa-inerhafu. Abantu abaqeshwe ngokuzimeleyo kunye neekontrakthi zisebenzisa iifom ezifanayo ezibizwa ngokuba ngama-1099, kwaye ezinye iifom zinokukhutshwa kuwe kwiibhanki kunye neefomali zokutyalomali apho ufumene umvuzo wenzala.
Ingcaciso yengeniso apha yonke idluliselwe kwi- 1040 yakho.
Nangona kunjalo, isixa semali yakho engenayo esenzelwe ukuhlawulwa irhafu sinokuncitshiswa yinto eyaziwayo njengezihlomelo. Ngokomzekelo, ukuba unika i-$ 2,000 ukufumana izibonelelo ezinobuncedo kunye nonzuzo ngonyaka we-2017, unokukrhola loo nto xa wenza irhafu yakho entwasahlobo ka-2018. (Qaphela ukuba oku akuthethi ukuba i-bill yakho yerhafu iyonke inciphisa i-$ 2,000, kodwa ukuba inani lemali engenayo elisetyenziselwa ukucacisa umrhumo wakho werhafu uyancitshiswa yilokhu-leyo leyo, ekunjalo, iyanciphisa izinga lakho lentlawulo efanelekileyo ngenye imali.) Abafakela iRhafu bangakhetha ukukhatyulwa okunjalo, kodwa kukho ukuncitshiswa okuqhelekileyo , ukuba abaninzi iifayile, ziya kuphakama ziphezulu ngaphezu kwee-deductions zazo. Inkqubo yerhafu okanye i-preparer izakukwazi ukwenza eso sigqibo lula.
Ukufumana loo mboleko (okanye ukuhlawula iBill)
Emva kokuba ufaka yonke ingcaciso echaphazelekayo malunga nemali engenayo, ukuxothwa, kunye neengxowa-mali, uya kuba nako ukucacisa ibhalansi-nokuba unetyala, okanye ukuba unetyala lokubuyisela imali.
Ukuba unetyala, mhlawumbi ungathumela loo mali kwi-arhente efanelekileyo karhulumente (i-IRS kunye / okanye isebe lakho lemali yengeniso) kunye nentlawulo yakho yentlawulo; ukuba akukho ngaphezu kokuhlawula konke kanye, uza kukwazi ukuseka isicwangciso sokuhlawula. Ukuba unetyala lokubuyisela imali, unokhetho oluthile lokufumana iintlawulo zakho, kubandakanywa isheke okanye uthumele ngqo kwi-akhawunti yebhanki.
Musa ukulibala ukugcina ikopi yentlawulo yakho yentlawulo kwiirekhodi zakho-ziya kuza ngokukhawuleza xa usenza irhafu yonyaka ozayo, kwaye kuya kuvela ngokukhawuleza ukuba i-IRS inemibuzo kwaye iyanquma ukuphicothwa.