Indlela yokwenza ngokuchanekileyo ukuBamba kwakho ukuThengisa iMali yeNgeniso ye-Federal
Unokufumana njani ukubuyiselwa imali enkulu kukubi? Ngenxa yokuba uthetha i-IRS inxalenye enkulu yokuhlawula kwakho kunokuba ufanele uyenze, imali onokuyichitha kwiindleko, kwintlalo okanye ukubeka imali okanye utyalo-mali. Kunoko, i-IRS ibanjwe kuyo kwaye ngoku ibuyisela yona - ngaphandle kwenzala.
Ukufumana inqanaba elifanelekileyo lokuthintela kungenza isenzo sokulinganisela, ngokukodwa xa ulindele ukutshintsha okukhulu kwimali yakho engenayo okanye ukuxothwa. Ezi zikhokelo zinokukunceda ukuba uzifumane kakuhle.
Ukungakuhoyiki Ukubanjwa Kwakho Kunakho Ukurhoxisa
Ukubala inqanaba lokubamba "okulungileyo" ngamanye amaxesha kungathatha ixesha elininzi ukulungiselela ukubuyiswa kweerhafu. Uninzi lwabantu lathintekile ukunqumla izibalo. Kulabo bafuna ukugcina izinto ezinjengezinto ezilula, indlela elula kakhulu yenzelwe ngabahlawuli berhafu ukuba bathi "abangatshatanga" okanye "batshatile" ngesibonelelo esisodwa sokubamba iFomu W-4.
Oku kukhokelela ekubuyiselweni kwembuyekezo, kodwa kukho iimeko apho kubangelwa ukuba esinye isibonelelo sokubamba isibonelelo asivumelekile ukuhlawula amatyala akho yerhafu. Oku kuya kuba njalo ukuba uneniso-mali engeniso-mali okanye umthwalo omkhulu werhafu ngenxa yerhafu encinane yentlawulo .
Ukubala ukuGcina iiNdawo ezingakumbi ngokuchanekileyo
Indlela echanekileyo yokulungelelanisa ukukhupha kwakho ukulungiselela ukubuyiswa kweerhafu eprojekthi kunyaka okhoyo.
Sebenzisa iifom zerhafu ezifanayo ozisebenzisayo kunyaka odlulileyo, kodwa ubeke endaweni yokuhlawula irhafu yangoku . Bala iholo lakho kunye neencitshulwa ngokusekelwe kulokho ulindele ngo-2017 kwaye usebenzise iirhafu zerhafu 2017 ukufumanisa ukuba yintoni irhafu yakho ehlawulwayo. Ngoku sebenzisa i-calculator yokubamba ukufunyanwa efumanekayo kwiwebhusayithi ye-IRS ukubona ukuba iziphakamiso zokubamba izibhengezo zingabakho.
Yiyiphi Imvume yokuLawula?
Izibonelelo ezingabandakanyekanga azixhomeki kumntu oxhomekeke kuye okanye ukuxolelwa, nangona badibana. Isibonelelo sokubamba iindleko yindlela yesebe lakho lokuhlawula ukusebenzisa iitheyibhile ezinikezelwa yi-IRS ukufumana ukuba yimalini irhafu yokubamba kwii-payers. Isibonelelo sokubamba isabelo sibonisa ukuncitshiswa kweerhafu ezipheleleyo ezihlulwe ngumlinganiselo wokukhululwa komntu . Oku kubangela umyinge, kwaye umlinganiselo uxelela ukuba uninzi lwezibonelelo ezifunayo kufuneka uzibange.
Nasi umzekelo. Masithi uMariya ungumzali omnye kwaye ufanelekela njengenhloko yendlu . Unomntu oxhomekeke kuye . Masiqhubeke sicinga ukuba ukutsalwa kwakhe kubandakanya ukutsalwa okuqhelekileyo kunye nokuxolelwa komntu omnye, omnye yena kunye nomntwana wakhe. Imathematika yokuba izibonelelo zakhe zokubambelela ziya kusebenza ngolu hlobo ngonyaka werhafu ka-2017:
- Ukuncitshiswa okuqhelekileyo: 9,350
- Ukukhululwa komntu siqu: 2 x 4,050 = 8,100
- Ukuncitshiswa kweerhafu ezipheleleyo: 9,350 + 8,100 = 17,450
- Ukuncitshiswa kwahlulwe ngumlinganiselo omnye wokuxolelwa: 17,400 / 4,050 = 4.308
Kule mzekelo, uMariya wayeza kuba ngumntu ongatshatanga njengesimo sakhe sokufakela kunye nezibonelelo ezine zokubamba i-W-4. Kucetyiswa ukuba udibanise umlinganiselo wokuphepha ukuba ube neerhafu encinci egcinwe kwi-paycheck yakho, ngoko akayi kubanga i-five. UMariya wayeza kujonga ibhokisi "elingatshatanga" kumgca 3 weFom W-4 kwaye wayeza kubhala "4" kumgca 5 apho ucela "Inani elipheleleyo leemali ozifunayo."
Fumana indlela Iifowuni Zakho Zokugcina ezikhuselekileyo ezichaphazela ngayo iikhokhelo zakho zexesha elizayo
Ngoku ukuba ufumene izibonelelo zakho zokubamba, ungasebenzisa le nombolo ukuze ubone ukuba ithintelo yerhafu iya kuba yintoni ekuhlawuleni kwakho okulandelayo. Faka iifowuni zakho zokubambisa ngokutsha kwi-calculator yokubala.
Qinisekisa ukuba unobumba bentlawulo yakutshanje luncedo ukwenzela ukuba ungasebenzisa iimali zakho zentlawulo.
Ukubala Ukubanjwa Kwakho Kwemali Yonyaka
Ngoku thabatha umrhumo wakho omtsha wokurhoxisa ngexesha lokuhlawula kwaye ukwandise oku ngenani lexesha lokuhlawula elisele kulo nyaka. Yongeza kwimivuzo emininzi yerhafu efunyenwe yile minyaka. Eli nani limela malunga nokuba inani elithe xa lihlawulwa irhafu yombuso liya kugcinwa kwi-paycheck yakho yonyaka. Ngoku unokuqhathanisa yakho yonke into yokubamba ukuhlawulwa kwentlawulo yakho. Ukuba isixa sakho sokubamba sikhulu kunomthwalo wakho werhafu, yimalini yokubuyiswa kwentlawulo yombuso ongalindela ukuyifumana. Ukuba ukugodla kwakho kungaphantsi koxanduva lwakho lokuhlawula irhafu, le yimalini yerhafu yombuso onokufuneka uyihlawule xa ufaka irhafu yakho yentlawulo.
Khumbula, ezi mali - ukunyima kwakho kunye neentlawulo zakho zerhafu - ziphantse. Ukuba ayingekho kude kakhulu, usondele kufuphi nalapho ufuna khona. Ukuba izibalo zakho zibonisa ukuba uza kuhlawulwa i-IRS $ 500 ngo-Ephreli, zibuze ukuba unokwenza lula ukubhala isheke ku rhu lumente kunye nomdla omncinci. Ukuba awukwazi, ngoku yisikhathi sokulungisa.
Ukulungiswa kokuNqanda
Buyela kwi-calculator yokubhalwa kwee-payroll ukuze ubambelele izibonelelo zakho zokubamba. Zama "ongatshatanga" esikhundleni sokuthi "utshatile," okanye uzame ukutshintsha izibonelelo zokubambelela ngexesha elinye ngexesha. Umzekelo, ukuba usebenzisa i-Single-4 okokuqala, zama ukubala olutsha nge-Single-3.
Phinda le nkqubo uze ufumane inqanaba lokulondoloza elifanelekileyo. Ngokufanelekileyo, ukunyima kwakho kuza kuvelisa imali ekubuyiselweni kwi-$ 500 ukuya kwi-$ 1,000. Oku kukunika ubuninzi begumbi ukwenzela ukuba nayiphi iinguqulelo kwimali engenayo okanye ukuncitshiswa akuyi kubangela ukuba ukhululeke kakhulu.