Iwe Haufaniri Kuita Itemize Kuti Uzvitsva Izvi Kubviswa Kwemitero
Kugadziriswa kune mari yakasiyana zvachose nenyaya. Dzimwe nguva dzinonzi "pamusoro pezera" dzinodzingwa, unogona kuzvitora pane peji rekutanga rebhadharo yako yemutero usati wasvika pakusarudza kana iwe uri kuenda kuitemize kana kuti utaure kubhadhara kwakakwana kwehuwandu hwekutsvaga kwako.
Inonyanya Kudaidzwa Kuda Kugadziriswa Kuwanikwa
Kugadziriswa kune mari kunowanikwa paunotora 1040 mutero kutangira pamutsara 23 uye vanowedzera mumutsara wechi35. Vamwe vanowanzotikanwa kupfuura vamwe nokuti vateresi vakawanda vane marudzi aya emari. Zvimwe zvezvizhinji zvinowanzoreva pamusoro pe-the-line deductions zvinosanganisira:
- SEP-IRA, SIMPLE IRA uye 401 (k) zvakabhadharwa kune vanozvishandira uye tsika dzechiRRA dzakabviswa: Izvi zvinowanikwa pamigero 28 ne32 maererano. Vaya vanozvishanda ndivo chete vanogona kutora wekutanga kune zvipo zvakagadzirwa kune zvirongwa izvi, uye mamwe mitemo anoshandiswa. Kubva muna 2017, zvipo zvegore negore zveIRA zvinowanikwa kune vanoshandira pa $ 5 500, kana $ 6 500 kana iwe uri wemakore makumi mashanu kana kupfuura. Iwe unogona kutora zvakawanda izvi kubva pamari yako yaunotengesa yakawanda kwazvo kubva pabheji kana iwe uchipa mukana uyu wezvirongwa zvekurega basa.
- Chikwereti chekubhadhara chikwereti chevadzidzi : Unogona kutenga kudhakwa kusvika ku $ 2 500 mune chikwereti chaunodzidza chikwereti chawakabhadhara iwe mugore ra2017. Chikwereti chinofanira kuva chimwe chaunosungirwa pamutemo kubhadhara. Kana iri muzita rako raunovimba uye uri kungomubatsira kunze nekubhadhara, izvi hazviverengi.
- Kudzidzisa uye mari yekudhura : Nhamo, iri iri mumiganhu ye 2017, asi yakawanikwa nekupera kwe 2016 apo Congress yakarisiya ikapera. Iwe unogona kutora kubhadhara kwepamusoro-kwe-line kwekudzidzira uye mari yawakabhadhara iwe pachako kana yevaya vanovimba navo pamagumo egore iroro remutero. Zvichiri kugoneka kuti Congress inogona kudzorera ichi kubviswa kwe 2017.
- Kurasikirwa kwehutano kwehutano kwehutano: Kana iwe uchipa mishonga kune rekuchengetedza kwekuchengetedza kwehutano, iwe unogona kutora kugadziriswa kwekuwana mari inokwana kusvika $ 3 400 kana iwe usina kuroorwa kana $ 6 750 yemhuri kubva muna 2017.
- Kurangwa kwokutanga kutora: Nhamo, izvi zvinoshanda chete kuzvikwangwani zvekuisa mari uye nguva dzakachengetedzwa dzekuchengetedza, kwete mabhuku ekutora mari. Asi kana iwe ukazobatwa nechirango nokuti iwe wakabvisa mari nokukurumidza kupfuura iwe waifungidzirwa, iwe unogona kutora kubviswa kwayo pajiji yekutanga yebhadharo yako yekutora pasina itemizing.
Zvimwe zvezvikwereti izvi zvinowanzobuda pamakero makuru emari, uye iwe unogona kunge usingakwanisi kuvatsvaga kana iwe wakaroorana asi uchitumira kudzoka zvakasiyana.
Zvimwe Kugadziriswa Kuwana
Zvimwe pamusoro apa-mu-kukodzwa kunotsamira pane zvimwe zviitiko zvehupenyu hwako, zvakadai semabasa ako uye mamiriro ako emhuri.
- Chikoro chemari yevadzidzisi nevadzidzisi : Uyu unongodaro $ 250, kana $ 500 kana iwe wakaroorwa, uchisvitsa kubatana kwekudzoka uye iwe nemumwe wako vadzidzisi. Kunyange zvakadaro, kubviswa kwose kunobatsira. Maererano ne IRS, unofanirwa kunge uri "chekecheji kuburikidza nemudzidzisi wegiredhi 12, murayiridzi, mutungamiri, mukuru kana mubatsiri kwemaawa anenge 900 pagore rechikoro mune imwe chikoro chinopa dzidzo yepuraimari kana yekondari sekusarudzwa pasi pemutemo wehurumende." Iwe unogona kutora kubhadhara kwepamusoro-kwe-mutsara kwezvisingabhadharwi zvebasa-zvakabhadhara mari yaunoshandisa panguva yegore rekutere kana iwe uchikodzera.
- Alimony yakabhadharwa : Kwete, haufaniri kubhadhara mitero pane chikamu chemari yako yaunowana kuti iwe unofanira kupa yako ex mwedzi mumwe nomumwe, asi iwe unofanira kumupa iyo Social Security nhamba pamutero wako wekudzokera. Iye akateresa pane mari iyi panzvimbo. Mamwe mitemo inoshandiswa, yakadai sekuti alimony inofanira kugoverwa munyaya yekutonga. Kana iwe ukangomupa mari kunze kwekunaka kwemoyo wako, hazvirevi.
- Kufambisa mari : Unogona kutora mari yakawanda inobatanidza nekufamba, asi kana iwe chete uchida kuenda kune zvikonzero zvine chokuita nebasa, kwete nokuti unoda kuchinja nzvimbo.
- Kurasikirwa kwehafu yengero yemubhadharo: Kana iwe uri wekushanda , iwe unorohwa nemutoro wekubhadhara chikamu zana kubva muHarare Social and Medicare mutero. Washandi wako aizotora hafu iyi tab kana iwe wakashandira kune mumwe munhu. Asi IRS inobudirira inopa kuti imwe hafu yakadzokera kwauri pamutsara 27 we 1040 yako. Unotofanira kubhadhara mutero, asi iwe unowana chikwereti nokuda kwayo.
- Kuzvishanda kwehutano inshuwarhu yehutano: Kana iwe wakashanda kune mumwe munhu, iwe unofanirwa kuitemi kuti utore kuderedzwa kwezvinhu zvaunoshandisa pamishonga yemishuwarenzi yehutano, uye kubvisa ichocho kunowanikwa kune mamwe mitemo uye zvishoma. Asi iwe unogona kutora 100 muzana yezvaunoshandisa pazvikwereti kana iwe uchizvishandira iwe pachako. Nhungamiro inogona kukufukidza iwe, wako wako nevanovimba navo.
- Vanokodzera kuita vashandi uye mamwe mabasa : Izvi zvinogadziriswa kune mari inoshandiswa kune vashoma chete vasarudza-vamwe vanyori, pamwe chete nevana vanochengetedza uye vamwe vanobhadhara-vehurumende vakuru vakuru.
- Dzimba Dzokuita Mabasa Kurasikirwa : Izvi zvinosanganisira mabhizimisi mune dzimwe makhizha.
Chii chakakosha pamusoro pekugadzirisa kuwanikwa?
Zvose zvezvikwereti izvi zvose zvinodzingwa kubva pamari yako yose kuti uwane mari yako yakagadziriswa pamutsetse 37 wemutengo wako wekutengesa 1040. Iwe unogona kubvisa zvinyorwa zvitsva kana kuti zvakakonzerwa nemaitiro ako kubva kune AGI yako peji yechipiri, uyewo chero upi zvake wega. Chigumisiro chinokuudza iwe yose yako inotengesa mari, chiyero icho chinoshandiswa kuverenga yako federal mubhadharo wemutero-iwe unogona sei kubhadhara IRS, kana kuti chikamu chekubhadhara mutero unogona kutarisira.
Heano mamwe mashoko akanaka: Kugadziriswa kune mari hazviwedzerwi zvakare kana kuverenga imwe yero yemafero kana iwe uchida kutungamirirwa neAmt. Izvi ndezvekuti mamwe maitiro emari mashoma ndeimwe nzira yekuverengera mutoro wemutero wemutero, uye iyi nzira imwe inotanga nekugadzirisa mari yakawanda yemari. Kugadziriswa kunoderedza kugadziriswa mari yakawandisa saka nokuwedzera vanogona kuderedza kushandiswa kwemutero unoshandiswa.
Kuwedzera Kugadziriswa Kunogona Kuwedzera Zvimwe Kubviswa uye Makadhi
Zvimwe zvinoratidzirwa mitero zvakabhadharwa zvisingakwanisi nemari yakagadziriswa mari yakawanda. Semuenzaniso, mari yekurapa inogona kuderedzwa chete kusvika pahuwandu hwekuti inopfuura 10 kubva muzana yemari yako yakashandurwa yakawanda kubva muna 2017. Ngatiti Tom akachinja mari yakawanda ye $ 50,000 pagore. Ngatitoreiwo kuti Tom ane mari yekurapa mari inosvika $ 6,000 yegore. Tom anokwanisa kubhadhara mari yake yezvokurapa kusvika pakuti ivo vanopfuura 10 muzana ye AGI yake, kana $ 5,000. Mari yake yezvokurapa ye $ 6,000 inodarika iyi chikumbaridzo ne $ 1 000 saka Tom anogona kukwanisa kutenga $ 1 000 kubva kune $ 6,000 mumari yezvokurapa sekuderedzwa kwairi kutorwa pane Purogiramu A munyaya iyi.
Iye zvino ngatione kuti Tom anopawo $ 1 000 kune imwe tsika yepabheti yomubhadhara mugore iroro remutero. Mipiro iyi inogadziriswa kune mari, naizvozvo izvi zvinoderedza Tom's AGI ne $ 1 000. Iye zvino mari yake yakagadziriswa yakawanda inongova $ 49,000 chete. Panzvimbo yechikumbaridzo che $ 5,000 (10 muzana ye $ 50,000) yekuverenga kuregererwa kwekurapa mari, ane chiyero che $ 4 900. Somugumisiro, Tom anogona kukwanisa uye anowedzera $ 100 mune zvehutano mari ye $ 1,100 panzvimbo ye $ 1000.
Kuwedzera kuchinja kunogonawo kuwedzera humwe hukwereti hwemitero hunoenderana nemari yako yakagadziriswa yakawanda, uye inogona kuderedza mamwe mitsara nokuti mamwe mahedheni anoverengerwa zvichienderana nemari yakagadziriswa yemari. Semuenzaniso, iyo 3.8 muzana yemari yemari yekubhadhara mari inowanikwa mune chimwe chikamu pamunhu akashandurwa akawana mari yakawanda. Kuderedza kuderedzwa kwemari yakawanda kunogona kuderedza kushandiswa kwemari kwekutengesa mari.