Ubume bakho beRhafu bubonakala kwiNqanaba 63 le-1040 yakho yeRhafu yeRhafu
Igama elithi "uxanduva" linomthetheli othile ongenayo kwaye sinesizathu esihle. Ngokwenene, kuthetha ukuba unoxanduva lokuthile. Hlanganisa negama elithi "irhafu" kwaye uyabona apho oku kuhamba khona. Intela yentlawulo yerhafu yerhafu onoxanduva lokuhlawula kwiNkonzo yangaphakathi yeNgeniso okanye elinye igunya lokurhoxisa.
Unokufumana eyakho ngonyaka kumgca 63 weFomu yakho ye-1040 yokubuyela kwerhafu apho ithi, ngokufanelekileyo, "Le yile yerhafu yakho yonke."
Umthwalo wakho werhafu werhafu ayikho nje kuphela ngonyaka. Naliphi into ehleliyo kwiminyaka edlulileyo kufuneka ifakwe kwiimfanelo zakho kulo nyaka okhoyo, njengokuba ungene kwisivumelwano sentlawulo yokuhlawula ityala lonyaka wekota kwaye ungenzi intlawulo yokugqibela kwesi sivumelwano. Ngamanye amazwi, uxanduva lwakho lwerhafu yinto enetyala le-IRS nakuphi naliphi na ixesha ngexesha.
Akukona nje Imali yentlawulo
Inkokhelo yeRhafu ayigcinwanga kuphela kwerhafu yengeniso ongayifumana. Eli gama liquka zonke iintlobo zerhafu, njengenzuzo eyinkunzi kunye nerhafu yokuqeshisa, kunye nenzala kunye nezohlwayo. Esi sivumelwano sokufakelwa kwerhafu yonyaka odlulileyo sihlawulwa ngentshisekelo, ngoko ke inzala iyongezwa kwiimfanelo zakho zerhafu. Ukuba uthathe ukusasazwa kwangaphambili kwi-akhawunti yomhlala phantsi ephantsi kwehlomelo le-10 yeepesenti, oku kufakwe kwiimfanelo zakho zerhafu.
Iimali zerhafu yeNgeniso
Ingeniso yerhafu yinxalenye enkulu yecala leerhafu kubantu abaninzi, kwaye ichongiwe inxalenye yerhafu yeerhafu iwele-ipesenti yengeniso yabo ukuba kufuneka ihlawule irhafu. Oku kuyahluka ngokufanelekileyo kuba kuxhomekeke kwisimo sokubhaliweyo kunye nokuba ufumana phi.
Khawuqwalasele olu hlobo: Awunamnye kwaye ufumana i-$ 9,525 nje ngo-2018.
Oku kukubeka kwibhonksi yeerhafu ye-10 ukuze i-tax revenue yakho i-$ 952. Ukuba ufumana i-$ 80,000, oku kukukhupha kwi-bhasenti yeerhafu ye-22 kwingxenye yengeniso yakho engaphezulu kwama-38,700. Yaye ukuba utshatile kwaye wena kunye nomlingane wakho ufumana i-$ 200,000 ngonyaka? Oku kukukhupha kwi-bhokisi yeerhafu engama-24 yengxenye yengeniso yakho engaphezu kwama-165,000.
Iintlawulo zeNtlawulo
Intlawulo yexabiso lentengo ingabongeza kwiimfanelo zakho zerhafu xa uthengisa ixabiso lempahla engaphezulu kwesiseko sakho kuyo-into oyihlawulayo kunye neendleko ezithile ezivumelekileyo. Ukuba utyalomali i-$ 5,000 kwiisitokisini ezithile kwaye ujikeleze iinyanga ezili-18 kamva kwaye uthengise iifowuni ezifanayo kwi-$ 7,500, unayo imali engama-2,500 yeholide elide kwaye le nto ihlawuliswa kwiirhafu ezizodwa zentengo, okanye i-0, 15 okanye i-20 ekhulwini ngo-2018. kuxhomekeke kwingeniso yakho. Ingeniso eyongezelelweyo oyifumana ngokubanzi, inqanaba lakho lemali yerhafu ephezulu.
Ukuba unayo i-asethi engaphantsi konyaka, inzuzo yesikhashana nje ke yongezwa kwingxowa yakho yerhafu njengemali engenayo ngokuqhelekileyo kunye nebheksi yakho yentela.
Amandla okuDeductions
Ukuba zonke ezi zandi zibuhlungu kakhulu ngoku, unako ukuphumla kancane. Ezi zinto ziyintloko nje yerhafu yakho yerhafu. Ikhowudi yentlawulo ikuvumela ukuba ungabi ncinane kwiholo lakho lentlawulo.
UMthetho weCandelo loNgeniso lweRhafu kunye neMisebenzi uthatha ukunqunyulwa kweemvume zokuzikhethela ngo-2018, okuza kubetha abanye abakhokhi berhafu. Ngonyaka werhafu ka-2017, nangona kunjalo, unako ukutsala i-$ 4,050 yokuzikhulula, enye yeqabane lakho ukuba usatshatile, kunye nomntu ngamnye oxhomekeke kuye. Oku kunokongeza. Ngaphandle kokuzikhethela nje kuphela ngenxa yokuba ungatshatanga, iya kuhlawula imali engenayo ehlawulwayo evela kwi-$ 80,000 ukuya kwi-75,950 ye-$.
Ngelishwa, ukukhululwa kuphelile phantsi kwemiqathango ye-TCJA, ubuncinci ukususela ngo-2018 ukuya ku-2025. Kodwa ininzi yemali echithwayo kunye neengxowa-mali zerhafu zihlala zingasebenzi.
I-TCJA ibuye iguqule iibhanki zerhafu ukwenzela ukuba ufumane enye ngaphambi kokuba uqale ukuhlawula ipesenteji ephezulu, kwaye ukuchithwa okuqhelekileyo kuye kwaphindwe kabini. Ukuncitshiswa komgangatho ongezantsi ka-2018 kumntu ongenye umhlawuli werhafu unyuke kwi-$ 6,350 ngo-2017 ukuya kwi-12,000 yezigidi ngo-2018.
Uyakhumbula ukuba i-9,525 yee-dollar oyenzile njengomhlawuli werhafu omnye ngo-2017? Ngokwenene, uxanduva lwakho lwerhafu kuloo mali lube yi-$ 9,525 engaphantsi kwe-$ 4,050 yokukhululwa komntu, ngaphantsi kwe-$ 6,350 yokuncitshiswa komgangatho wonyaka werhafu. Oku kushiya ibhalansi engalunganga ukuze ungenakho ukuhlawulwa kwentlawulo. Ngeke ube necala lokuhlawulwa kweerhafu ngo-2018 kuba i-$ 9,525 engaphantsi kwe-12,000 yexabiso elichithwayo eliqhelekileyo libuye lenze ibhalansi engalunganga.
Esi sifundo apha kukuba ukuhlawulwa kwentlawulo yakho akusekelwe kwinto oyenayo kunyaka owenziwe. Isekelwe kwinto ofumene ngayo phantsi kokuxolelwa komntu ngo-2017 kwaye ungaphantsi kwexabiso elichanekileyo kwisimo sakho sokufakela okanye ukutsalwa kweemali zakho xa uthetha ukuba wenze indawo. Isekelwe kwizinto ezishiywe emva kokukrazula ezi manani, kunye nakwezinye iirhafu okanye izikwereti zerhafu onokufaneleka.
Musa ukulibala iiKredithi zeNtlawulo
Iingxowa-mali zerhafu zinciphisa uxanduva lwakho lwerhafu, kwakhona, kodwa ngendlela eyahlukileyo.
Ukukhutshwa kukukhupha kwingeniso yakho engenayo, kodwa ezinye iikhredithi zikhupha ngokuthe ngqo kwiimfanelo zakho. Masithi wenze yonke imathematika kwaye ucele ukuba yonke intsalelo itholakale kuwe, kwaye unayo i-$ 5,000 yemfanelo yentlawulo kumgca-63. Ukuba unelungelo lokubamba iitaliti yentlawulo ehlawulwa imali engama-1 000, loo mfanelo iyahla e-$ 4,000 kuba iirhafu zerhafu ziphathwa njengeentlawulo zentlawulo yangempela, nje ngokuba ubhale i-IRS isheke malunga nemali.
Leyo Nombolo kumgca 63
Ewe, kuzwakala kuyinkimbinkimbi, kodwa ukuba ujonga kwiFom 1040 , unokubona ngokucacileyo ukuba le nto isebenza njani.
Yonke imithombo yakho yengeniso, kuquka izinto ezifana neenzuzo ezinkulu, zongezwa kwaye zichazwe kwiphepha lokuqala lokubuyela kwerhafu kwinqanaba "yeNgeniso". Emva koko ufikelele ukwenza utshintsho oluthile kule ngxenye elandelayo kwicandelo elilandelayo, "I-Income Income Income." Yilapho unako ukukwazi ukubiza ezinye izinto ezinqunyulwayo ngaphezu kokuncitshiswa okuqhelekileyo okanye ukuncitshiswa okwenziweyo ukunciphisa imali engenayo engenayo.
Ngoku yakho imali engenayo epheleleyo okanye i-AGI iqhutyelwa kwiphepha 2 kunye necandelo elibizwa ngokuthi "Imirhumo kunye nezinye iziKhredithi." Ezinye zezi mida zongezelelekileyo eziza kunyusa uxanduva lwakho lwerhafu, njengelinye irhafu yerhafu . Kodwa uya kufumana isikhala sokubanjiswa okuqhelekileyo okanye ukuchithwa kweempahla apha, kunye nezikhalazo zeerhafu ezingahlawulwanga zerhafu onokuzihlawulisa, zonke ezo zinciphisa uxanduva lwakho lokuhlawula irhafu ngokunciphisa iholo lakho lentlawulo. Ingeniso yakho ehlawulwayo ehlawulwayo ibonakala kumgca 43.
Ngelishwa, icandelo elilandelayo, "Ezinye iimali," kuquka ukudibanisa, kungabikho ukukhupha, kodwa abaninzi abakhokhi berhafu badibanisa iibhola ezibandakanyiweyo apha. Ukuba usebenza ngokuzenzekelayo, loo ntlawulo ibonakala kweli candelo kwaye uya kwongeza kwintlawulo yakho yerhafu, njengenye iirhafu kunye nezohlwayo ezingachaphazeli bonke abahlawuli berhafu.
Kwaye oku kukulethela kumgca 63. Kodwa musa ukugubha. Awukwenziwanga okwamanje.
Ifom ye-1040 ifaka esinye isahlulo seentlawulo osuyenzile malunga neentlawulo zakho zerhafu. Kwiimeko ezininzi, oku kufezekiswa ngokubanjwa kweerhafu kwiirhafu. Umqeshi wakho uyanciphisa ipesenti ukusuka kwintlawulo yakho ngokumalunga nolwazi olufake kuyo kuye kwifom ye- W-4 kwaye uya kuthumelela le mali kwi-IRS egameni lakho.
Ukuba usebenza ngokuzenzekelayo kwaye wenza iintlawulo zerhafu eqikelelwayo kunyaka, bangeniswa kweli candelo. Izikripthi zerhafu ezibuyisiwe zifakiwe apha, nazo. Ezi khredithi azikhupheli nje kuphela kwi-taxable duty. I-IRS iya kukuthumela imali yokubuyisela nayiphi na ibhalansi ekhohlokileyo xa iyanciphisa uxanduva lwakho.
Zonke ezi ntlawulo zikhutshwe ukusuka kwinani elivela kumgca 63-uxanduva lwakho lwerhafu. Ukuba oku kubangela ukulinganisela okungalunganga-mhlawumbi umrhumo wakho werhafu wawuyi-$ 5,000 kodwa iintlawulo ezipheleleyo kuquka iikhredithi ezibuyiswayo zidibene kwi-$ 7,500-ungalindela ukubuyiselwa kwemali kwi-IRS umahluko.
Yaye ukuba awunayo ibhalansi engalunganga? Ukuba uxanduva lwakho lwangama-$ 5,000 kodwa wenza kuphela i-$ 4,000 kwiintlawulo ezipheleleyo, kuquka iikhredithi ezibuyiselwayo, usenayo i-IRS $ 1,000. Oku akuyiyo inkokhelo yakho yentela-ehlala kwi $ 5,000. Ingumlinganiselo werhafu osukweleta ngawo.