Umrhumo werhafu kunye neentlawulo

Zingaphi Izipho Zonke Zokuphila Unokuzipha Ngaphandle Kokufaka Isibonelelo Somvuzo?

Izipho zakho zobomi zizisa iirhafu ezifanelekileyo. Unako ukuhlawula xa usaphila, okanye ifa lakho liya kubakhokha xa usweleka. Enye indlela okanye enye, iNkonzo yeNgeniso yangaphakathi ilinde ukuqokelela, kodwa ngelanga, i-IRS ibonakala iyayivumela ukupha. Ivumela ukukhululeka kakhulu kwixesha lokuphila kwiirhafu zesipho.

Yintoni Ukuxolelwa Izipho Zobomi?

Ukukhululwa ngumyinge umntu onako isipho ngaphandle kwexesha lokuphila kwakhe ngaphandle kokufaka irhafu yesipho sombuso.

Ukukhululwa kweentlawulo zerhafu kwaba yi-$ 1 yezigidi ngonyaka ka-2010, kunye nezinga eliphezulu lentela ye-35 ekhulwini. Yenyuka ibe yi-$ 5 yezigidi, kwaye ireyithi yentlawulo ephezulu yahlala kuma-35 ekhulwini ngo-2011, ngoko yenyuka iphinda ifike kwii-5.12 yezigidi ngonyaka ka-2012 kunye nesantya esele sinye.

Ngaphantsi kwemiqathango yomthetho we- American Taxes Pay Relief Act , ukukhululwa kwexesha lokuphila kunyuke kwi-$ 5.25 yezigidi ngo-2013. Ireyithi yentlawulo yenyuka ibe ngama-40 ekhulwini. Nangona i-ATRA igcinwe irhafu yesipho endaweni leyo, yayibhalwa ukukhutshwa kwexesha lokuphila kwimali yokunyuka kwamaxabiso. Oku kuthetha ukuba kuya kuqhubeka ukwanda ngonyaka. Ukukhululwa yi-$ 5.45 yezigidi ngonyaka ka-2016, isantya esiphezulu serhafu sisetyenziswe kuma-40 ekhulwini.

Indlela UkuXholwa Kwamaxesha Okuphila Kuye Kukutshintsha Ngayo Iminyaka

UkuXhoxiswa koBomi kwiNkcazo yeSipho sikaRhulumente: 1997 - 2016

Izipho Zenzelwe Ukutshata

Izipho ezenziwe kumlingane wakho zixolelwe ngokupheleleyo kwiintlawulo zesipho ngenxa yokunciphisa umtshato ongenamkhawulo ukuba ungumhlali wase-US.

Izipho kubafazi abangenabanikazi zihlawulwa ukuya kwi-$ 148,000 yokuqala ngonyaka ngonyaka ka-2016.

I-Credit Unified Tax Credit

Isibonelelo sesipho kunye neerhafu zerhafu zixhomekeke kwinkqubo yerhafu, ngoko ke irhafu yesipho ikwabelana ngokukhululwa komhla wokuhlawulelwa kwerhafu phantsi kwelungiselelo elibizwa ngokuba yi-Unified Tax Credit.

URhulumente akafuni ukuba unikeze kude kakhulu ngaphandle kwesikolo, nangona usaphila okanye emva kokufa kwakho. I-Unified Tax Tax ikhusela abahlawuli berhafu ekunikezeni yonke impahla yabo ngexesha lokuphila kwabo ukuphepha iintlawulo zomhlaba emva kokufa.

Njalo ixesha uthabatha ukuxolelwa kwerhafu yokuphila, uyanciphisa umrhumo werhafu wezindlu okhoyo kwi-estate yakho phantsi kwe-Unified Credit. Kwizigidi ezingama-5.45 zezigidi ngo-2016, i-$ 2.45 yezigidi kuphela eza kuhlala zikhusele ifa lakho kwiirhafu xa unika izigidi ezingama-3 njengezipho ngexesha lokuphila kwakho,

Ukukhutshwa kweNtela yokuThutshwa koNyaka

I-Internal Revenue Code inikezela i-exclusions yonyaka njengamaxabiso enokubanika umntu ngamnye ngonyaka ngaphandle kokufaka irhafu yesipho. Ezi " izipho zokungabikho zonyaka " azikho phantsi kwerhafu yesipho sombuso . Abayisebenzisi naluphi na ukukhululwa kwakho kokuphila ngaphandle kokuba uhambe kuzo. Emva koko ibhalansi ekukhutshweni kwakho kwonyaka iyakususa kwi-Credit Unified yakho ngaphandle kokuba ukhethe ukuhlawula irhafu yesipho ngonyaka.

Ukukhutshwa konyaka kwangekhoksi yokunyuka kwamaxabiso. Yandisa ngokuphindaphindiweyo ukuhamba ngokuhambelana noqoqosho, kodwa inokunyuka kuphela kwi-increment $ 1,000. Unako isipho ukuya kwi-14,000 ye-$ 000 ngomntu ngamnye ngo-2016 ngaphandle kokufaka nayiphi na irhafu yesipho somthetho.

Izibini ezitshatileyo zingadibanisa izibhengezo kunye nesipho ukuya kwii-28,000 zamawaka ngamnye ngomntu ngonyaka ka-2016, kodwa ezi "ziqhekeko izipho" kufuneka zichazwe kwi-IRS kwifom ye- 709, iSipho saseMelika (kunye noKuDala-ukuThuthwa kweThuthi) .

Inani lemali yokukhutshwa kwentela yesipho sonyaka liqale likhokhelwe ukunyuka kwamaxabiso ukuqala ngo-1997. Funda iNtshati Yokubonisa Ukukhutshwa Kwaminyaka Yonke Kwimali YesiXhobo: 1997 - 2016.

Eyaziwayo njenge: UkuKhutshwa kweRhafu yeNkonzo , ukuKhutshwa kweRhafu yeNkohlakalo, ukuKhutshwa kwamaGama okuPhepha kweMpilo, UkuXholwa kweeNkxaso zoBomi, UkuKhutshwa kweRhafu yoBomi, UkuKhutshwa kweNtlawulo yeNkxaso yoBomi