Inofunga Kufunga Kuti Uwane Mutero Wako Wemitemo Izvo Zvakarurama
Kugara pasi nechinotora kana purogiramu yepurogiramu kuti uone zvaunokwereta kunaMuncle Sam haisiyo munhu wepanguva yakanaka, asi heino mamwe mashoko anogona kujekesa maonero ako. Iwe une mazano akasiyana-siyana aunogona kuita kuti uone kuti mutero wako wekubhadhara hausi kupfuura zvaunofanira kuva.
Kuenzanisira kuti maitiro aya anonyatsonzwisisa zvinorevei kuongorora mari yako yemazuva ano, kuenzanisa mitemo yako yemakore apfuura, uye kuziva kushandiswa kwemari kunogona kuitika gore rino kana gore rakatevera.
Kuongorora Mari Yako Yemazuva Ano
Kutanga, tanidza mari yako uye mari yako yegore kuti usvike uye tarisira kuti chii chichava chekusara kwegore. Zvechokwadi, kana uri kugadzirira kubhadhara mutero wako we 2017 mushure mekutanga kwegore, iwe unofanirwa kunge uine data yose yaunoda mugore iroro.
Iye zvino chienzanisa zvaunofunga kuti mari yako, mari, uye mari yako ichave muna 2018.
Chii Uri Kutsvaga?
Iwe unogona kushandisa ruzivo urwu nenzira dzakasiyana-siyana. Ichazonyatsoona bhadha yako yemukero yegore re 2017, uye ichakuudza kuti bhakoni yako yemutero inogona kunge iri muna 2018.
Kana iwe unofunga kuti uri mubhaketi yakaderera mushure gore rakatevera, funga kuchinja kutambira kwemari yekupera kwegore kusvika shure kwekutanga kwegore kana zvichikwanisika. Tungamirire mberi kune gore rinouya rekutere.
Kana iwe uine sarudzo pakati pekushandisa imwe kubhadhara mugore rimwe chete asi kwete maviri, funga kufambisa kuderedzwa kwegore iwe uri mubhakoni yakakwirira yepamusoro kuitira kuti iwe uite iwe unonyanya kunaka.
Zvadaro, iwe unoda kuziva kuti iwe wakagadziriswa mari yakawanda sei kana AGI muna 2017 uyezve zvakare muna 2018. Zvikwereti zvakawanda uye zvikwereti zvine zvikamu zvekubuda-kana ukawana zvinopfuura izvi, iwe haugoni kuzvitaura kana iwe unogona chete bvunza chikwereti chakaderedzwa. IA AGI yako gore negore inosvika kune chikamu chekubuda-kunze kwekupihwa kupi zvako kana zvikwereti iwe unogona kukodzera?
Kana zvakadaro, funga nzira dzekuchinja mari kana kuwedzera kugadzirisa kune mari kuti uchengetedze AGI yako pane zvaunoda.
Tarisa Mutero Wemitero uye Tarisa Karenda
Iye zvino yava nguva yekuita basa rechikoro. Pane here mitero yemitero yaunogona kutora muna 2017 iyo isingazove yakapoteredza muna 2018? Ichi chinhu chinonyanya kukosha kufungisisa kana Tax Cuts uye Jobs Act ichipfuura uye inotanga kushanda munaFebruary 2018 sezvinofanirwa. Zvinotarisirwa kuti mutemo mutsva unobata maitiro mazhinji ekubviswa kwetero uye zvikwereti. Kana kuderedzwa kwakagadzirirwa kupera apo mutemo mutsva wemitero unotanga kushanda, iwe unoda kuutora iye zvino kana uchikwanisa.
Heano zvimwe zvinhu zvishomanana zvaungada kuramba uchiona:
- Chikumbaridzo chekubhadhara mari yezvechiremba inowanikwa kune vateresi iyo itemize ichaderera kubva pa10 muzana yeAAGI yako kusvika pa7,5 muzana pasi pemutemo mutsva. Izvi zvinorevei kuti semwaka wegore ra20177, iwe unogona kungotora chikamu chemari yako yakakodzera yekurapa iyo inopfuura 10 muzana yemari yako yakagadziriswa mari. Pane mukana wekuti urongwa uhwu huchave huchidzokororazve gore re 2017, asi kana izvozvo zvisingaitiki, iwe unenge uri nani kubva kumirira kusvikira mushure mekutanga kwegore uye uchibhadhara zvikwereti zvinoshamisa zvekurapa muna 2018 kana zvichibvira. Zvadaro vaizofanira kupfuurira zvinopfuura 7.5 muzana zve AGI yenyu.
- Mutemo mutsva wemitero unotarisirwa kupedza kubhadhara kwekodzero yekubhadhara chikwereti chechikwereti chekuenzanisa, kunyange zvazvo kubviswa kwacho kuchiripo nokuda kwekuwana chikwereti chinosangana nemisha yekutanga uye yechipiri kusvika $ 750,000. Kana uri kufunga nezvokugadzirisa uye kutora mari, ungada kuitora munaDisemba kana zvichibvira.
- Kana iwe uchizviisa pasi peMamwe Mashoma Minimum Tax, 2018 inofanira kunge iri gore rakanaka kwauri kana Mutero Wemitero uye Jobs Act inopfuura. Mutemo unowedzera kuregererwa kwemazana anenge 25 muzana. Icho chinhu chinofanira kuchengetedza mupfungwa kana iwe uchifungidzira gore rinouya rekuenzanisa kwemutero.
Izvi zvinongova zvishomanana zvezvinowanzoonekwa zvemitero inoshandiswa iyo inogona kuchinjwa nemutemo mutsva, uye zvinogona-kunyange zvisingafungidziki-zvichida kuti mutemo hauzoperi. Kunyange zvakadaro, ndizvo zvikonzero zvaungada kuchengeta mupfungwa.
Zvimwe Flexible Financial Transactions
Iwe unogona kuita mamwe matanho emari kana gore risati rasvika kana shure kwekutanga kwe 2018. Izvi zvinosanganisira:
- Charity zvipo
- Kutengesa mashizha, zvisungo uye zvimwe zvikwereti
- Roth inotendeuka
- Kutora 401k uye IRA kugovera
- Kubhadhara nyika inofungidzirwa mitero kana mitero yemitengo
- Kugadzirisa zvipo kune 401 (k) kana chirongwa chakafanana chekurega basa
Mutero Wechipfuva Wechirungu Unofanirwa Kufungisisa
Hezvino zvinhu zvishomanana zvinofanira kuongororwa paunenge uchitora mari pamugumo wegore:
| Rudzi rwemari | Kuderedza Mari Yako | Kuwedzera Mari Yako |
| Mibairo | - Kuwedzera zvipo zvepakutanga kune yako 401 (k) kana urongwa hwakafanana hwekurega basa kuti uderedze mari yako.
- Bvunza kana bhizimusi yebasa rekupera kwegore ingabhadharwa gore rinotevera pane gore rino.
- Ramba uchiita zvinhu zvinokurudzira kusarudza.
| - Shandisa nguva yakawanda, kukumbira kukwidziridzwa, kuderedza pretax yokurasikirwa kwemipiro, kushandura mitezo yekubvisa mari kumutero mushure meRoth 401 (k) kana Roth 403 (b).
- Ita maitiro ekukurudzirwa kusarudza zvikwata.
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Bhizimusi Kubhadhara
| - Shandisa pamitero-deductible mari yakadai semidziyo uye zvinhu.
- Ita mari yekubhadhara mutero inochengetedza gore rino panzvimbo yekumirira kusvikira Jan. 15 zuva rapera kuitira kuti iwe unogona kutora mutero weH4 mutero gore rino.
- Bvisa pakutumira mavoti uye kuunganidza pamakambani anogamuchirwa kusvikira gore rakatevera.
- Ziva kushandiswa kwebhizimisi kunogona kukanganisa mamwe mari.
- Ongororai zvirongwa zvekurega basa uye funga kuisa solo 401 (k) kusati kwapera gore.
| - Tumira ma invoice uye edza kuunganidza pane zvikwereti zvakakosha zvinogamuchirwa pakupera kwegore.
- Mirira kushandisa mari pamabhizimisi kusvikira munaJanuary.
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| Capital Gains nekurasikirwa | - Shandisa zvikamu zvekutengesa kana kufanana-mutsauri wenyongedza kuitira kuti utsigire kuwana mune ramangwana gore.
- Imwe 39,6 muzana mutero bhati inotanga pa $ 418,400 pamadhora asina kukwana uye $ 470,700 kuti vakaroorana vafambidzane pamwe chete muna 2017, kunyange zvazvo mutero mukuru wepamusoro pasi pemutemo mutsva unotarisirwa kubuda kunze kwe 37%. Kubatsirwa kwenguva yakareba iyo inowira mukati mebhakoni iyi yemitero inobhadharwa ne20 muzana panzvimbo ye15 muzana, uye inogona kuve pasi pe 3.8 muzana yekutengesa mari yekubhadhara mari pamwe chete.
- Chimbofunga " kurasikirwa kukohwa ." Kutengesa nzvimbo uye kurasikirwa kusina kukwana kuderedza pfuma inobhadhara.
- Ngwarira pakutsinhanisa zvikwereti zvinotengeswa nekurasikirwa mukati memazuva makumi matatu. Izvi zvinogona kugadzira kushamba kushamba .
- Bvisa pakutengesa nzvimbo dzinobatsira kusvikira gore rakatevera.
- Iva nechokwadi chokuti kurasikirwa kwekodhiyo kunoshanda kune nguva pfupi pfupi kana zvichibvira.
- Kuita zvekugadzirisa zvinyorwa zvako pamitero yemitero yepamusoro yekutengesa kwepamusoro.
| - Funga nezve " pfuma yokukohwa ." Kutengesa zvipi zvenguva refu zvekuwana kuzadza mari inotengesa kune yepamusoro ye15% bracket. Kuwana kwakadaro kuchakwereta pazero muzana.
- Kutengesa zvipi zvenguva refu zvekuwana kuzadza mari inotengesa kusvika kumusoro kwe 35 muzana bracket. Kuwana kwakadaro kuchakweretwa pa15 muzana.
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| Kupararira Kwemari | - Kana iwe uchida kubvisa mari yakawanda kubva purogiramu yekubvisa basa, ona kana zviri nani kutora mari gore rino kusvika gore rinouya, kana kuparadzira mutero wekutora nekutora zvimwe gore rino uye rimwe gore rakatevera.
| - Tora zvinoda kugoverwa zvakadzama (RMDs) pakupera kwegore.
- Kana iwe wakatendeuka makore makumi manomwe nemaviri muna 2017, RMD yako yekutanga inofanira kutorwa musi waApril 1, 2017, asi iwe unogona kunonoka kusvikira gore rapera iwe uchitanga 70½. Ratidza kana zvichibatsira zvikuru kutora RMD gore rino kana kutora RMDs maviri gore raitevera.
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| Kutenderera Pretax IRA kune imwe Mushure-mutero Roth IRA | - Izvi zvinowedzera mari yako yekutengesa mugore rekutendeuka.
- Iwe unogona kugadzirisa kutendeuka musi waApril 15 kana Gumiguru 15. Izvi zvinonzwisisika kana mutero webhadharo wakaderera zvakaringana nekuenzaniswa kwezvaunotarisira mutero wekubhadhara.
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| Social Security Benefits | - Kuwana mari yakawanda kunogona kureva kuti zvimwe zvezvibereko zvako zvichabhadhara.
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| Kutadza Kurasikirwa Kubva Kuvakwa neBhizimisi | - Ratidza kuti kana kurasikirwa kwako kusina kukwana kana kubviswa gore rino. Kana zvakadaro, kurasika kurasikirwa kunogona kukanganisa mamwe mari. Kana zvisina kudaro, kurasikirwa kunotungamira mberi.
| - Funga nezvekuwedzera mari yako yekushambadzira kushandisa sarudzo yako yekurasika.
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Net Operating Losses
| - Kuita zvekudzidzira kunotakura zvakare / kutakura zvisarudzo zvekugadzirisa mari mune mamwe makore.
| - Wedzera mari kuti uwane kurasikirwa. Izvi zvinokonzera kuwedzera mari yemutero-isina kusvika kusvika pakurasikirwa.
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Aya mazano angakubatsira iwe kutarisira mari yekupedzisira kwegore:
| Type of Expense | Kukurumidza kuwedzerwa Mari | Kusiyanisa Mari |
| Itemized Deductions | - Ratidza kana iwe uchigona kana kuti iwe unofanirwa kuitema gore rino uye / kana gore rinouya nekuenzanisa zviyero zvako zvese zvakagadziriswa pamutengo wakatarwa wehuwandu hwekutsvaga kwako. Ramba uchifunga kuti Mutero Wemitero uye Jobs Act inotarisirwa kupa kaviri kuderedzwa kwakakwana kune madhora gumi nemaviri emadhora asina kukwana uye $ 24,000 kune avo vakaroora uye vanyorera pamwe chete.
| - Kana zvichiita zvinonzwisisika kuti itemize gore rinotevera panzvimbo yegore rino, sarudza mari inogona kutamirwa kusvika muna 2018.
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Chiremba, Mazino, uye Utano Hwakanaka
| - Kurapa chete, mazino uye mararamiro ekubhadharwa kwepamusoro kwepamusoro kwe10 muzana yeAAGI yako inotora mutero muna 2017, kunyange mutemo wemitero mutsva unoderedza izvi kusvika ku7,5 muzana muna 2018 uye unogona kudzokerazve kuvhara 2017.
- Kana iwe uri pedyo asi pasi pe 10-percent-ye-AGI chikumbaridzo, funga kubhadhara zvimwe zvekurapa mari isati yasvika kwekupedzisira kwegore kuti uwane kuderedzwa kwako pachikumbaridzo. Nenzira iyi, iwe unogona kuwana zvishoma kubhadhara pane pane.
- Kana iwe uri pamusoro pemubhiti, mari yekuwedzera yemari ichaderedzwa.
| - Kana iwe wakanga uine mari yakakura yezvokurapa muna 2017, tarisa kuti iwe unogona kubhadhara zvikwereti zvako zvekurapa gore rinouya panzvimbo iyo, kunyanya kana mutemo mutsva wekutere unopinda uye hauna kudzorerwa zvakare. Noku "bunching" mishonga yako yezvokurapa mugore rimwechete, iwe unogonawo kukwanisa kuvhara 7.5 kubva muzana kana 10 muzana.
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| Hurumende inofungidzirwa mitero | - Bhadhara nyika yako inofungidzirwa mitero pamagumo egore kuti uvatore gore rino. Izvi zvinongoshanda chete kana iwe uri kana kuti uchakwanisa kuitemi uye iwe hausi pasi pevamwe vashoma mutero. Uye mutemo mutsva unotarisirwa kugadzirisa iyi kubhadhara mutero zvakare.
- Bvisa pakubhadhara Q4 yako kuongororwa kwenyika kusvika munaJanuary kana zvingava zvakakosha kuti uzvitore pakudzoka kwako kwe 2018, kana kuti kungova panzvimbo yakachengeteka kuti uone kuti mutemo mutsva unofamba neizvi.
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| Imba yemutero | - Bhadhara chikamu chako chemitero chinotevera mushure mekuguma kwegore kuti uitore gore rino. Izvi zvinongoshanda chete kana iwe uri kana uchatokwanisa kuitemi uye iwe hausi pasi pe AMT.
| - Chengetedza chikamu chako chemitengo chinotevera mu 2018 kuti uchitore muna 2018.
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| Charity | - Ipai mari kubva musi waDecember 31 kuti mudonhe chipo ichi gore rino.
- Ita mari isiri yemari yakadai semapatya, fenisi kana motokari musi waDecember 31 kuti uwane kuderedzwa gore rino.
- Funga nezve Donor Advised Fund kana iwe uchida kupa asi iwe hauzive kuti chii chaunoda kupa.
- Zvipo zvepasipo kusvikira gore rakatevera kana kuderedzwa kuchaita kuti zvikwerete mari yakawanda muna 2018.
| - Sarudza gore rakanaka kuitira kuti rudo ruve nemari yakawanda yekugadzirisa.
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Heano maonero mashomanana nezvekuchengetedza mari kumagumo egore:
| 401 (k) kana 403 (b) Mazano Ekugara | - Mipiro yemipiro yevashandi ve 2017 inofanira kuitwa neDecember 31 kana yakatorwa kubva pamari yako yekupedzisira yegore.
- Sarudza kuti unoda kuisa pachidimbu kubva pamari imwe neimwe kuitira kuti ugadzirira kuenda munaJanuary nokuda kwezvipo zve 2018.
- Sarudza kuti mari yakawanda sei yekugovera pretax tsika dzepamusoro uye / kana mushure mekutereta Roth nhoroondo ye 2018.
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| Traditional IRA | - Mipiro yegore ra2016 yemitero inokonzerwa naApril 17, 2018, saka kubvisa IRA yako kunogona kumirira kusvikira gore rakatevera kana zvichidikanwa.
- Sarudza kuti zvakadini, kana zviripo, zvezvipo zvako zvekare zveIRA zvichava mutero-wakabviswa.
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Roth IRA
| - Mipiro yegore remitero 2017 inokonzerwa naApril 18, 2018.
- Sarudza kuti zvakadini, kana zvakadaro, unokodzera kugovera kuRoth IRA.
- Funga nezvekubhadhara mari yeRoth IRA uye kutora Saver's Credit kana iwe uchikodzera.
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