Kuwedzerwa ndiyo nzira yako yekukumbira Iko Internal Revenue Service kwenguva yakawedzerwa kuisa mutero wako wekudzokera. IRS ichakupa imwezve mwedzi mitanhatu yekudzorera kudzoka kwako. Kuwedzera kwekuwedzera kunowedzera nguva yekutsvaga kwekubhadhara mitero inoshandiswa kubva kumusi waApril 17 kusvika Oktoti 15. Mabhizimusi anogonawo kukumbira kuwedzera, iyo inokonzera nguva yavo yekupedzisira kusvika September 15.
Cherechedza zvakanaka: Kunyange kuwedzerwa kukupa nguva yakawanda yekudzorera kudzoka kwako, kuwedzerwa hakukupi nguva yakawanda yekubhadhara mutero wako.
Maripo inenge ichiripo nekuda kweApril 17, 2018 yegore ra20177. Asi kuwedzerwa kunogona kubatsira kuderedza zvipikiso zvako kana iwe usingakwanisi kubhadhara zvakakwana panguva yakatarwa.
Nzira dzekufambisa kuwedzera
Kuva nemwedzi mitanhatu yakapedzisira kugadzirisa Mutero Wako Kudzoka: Kuva nenguva yakawanda yekupedzisa kudzoka kwako kunowanzodiwa, kunyanya kana iwe uchiri kumirira mabheji emitero kuti uuye machesi kana iwe unoda nguva yakawanda yekugadzira mitero yako yekutora. Zvinyorwa zvinopawo nguva yakawedzerwa kuisa chipo chako chekubhadhara mutero .
Inobatsira Kuderedza Nguva Yakazotevera Mhosva: Kune zvirevo zviviri zvinokosha izvo IRS inowanzoisa: chirango chekutsvaira kwema5 kubva pamwedzi pamwedzi chero ipi zvayo yakatarwa pamwe nekurairwa kwekupedzisira kwehafu yezana pamwedzi. Kana iwe ukanyorera kuwedzerwa uye wobva waisa nechokupedzisira kwegore raOctober 15, iwe uchadzivisa 5 muzana pamwedzi zvakapera kutora chirango. Kana iwe ukatora mushure mokutanga kwaOctober 15, chirango chekupedzisira chekutsvaga chichatanga kubva munaOctober 15, izvo zvinoita kuti chirevo chirambe chiripo.
Kuchengetedza Mutero Wako Mutero Kana Iwe Uchinyora Mushure Mokupera Kwemazuva Akawedzerwa: Vamwe vanhu vanopedzisira vachipinda makore mashomanana, uye kune nguva yegore mitatu yekuwana mari yekudzorera kubva ku IRS. Uyu mutemo wegore mitatu wemiganhu unotanga pazvinyorwa zvekutanga zvakapera (April 17, 2018, mugore ra 2017). Asi nekuwedzera, mitemo yekubhadhara inowedzera nemwedzi mitanhatu, iyo inogona kuchengetedza kukwanisa kwevateresi kuti vawane mari yavo yekubhadhara mutero kunyange kana vakadzoka kumashure mukuendesa mutero wavo wekudzoka.
Inopa Nguva Yakawedzerwa Yevanhu Vanozvishandira Kuti Vashandire Purogiramu Yokurasikirwa: Vanhu vanozvipira vangada kubhadhara SEP-IRA , solo 401 (k) kana SIMPLE-IRA chirongwa chavo. Kuisa mutsara kunopa vanobhadhara vateresi kwemwedzi mitanhatu kuti vawane mari yavo yekurayira. Cherechedza: solo 401 (k) uye zvirongwa zveSIMPLE zvinoda kugadziriswa mukati megore remutero, asi chaizvoizvo mari yekugadzirisa inogona kuitika sekupera kwenguva yakatarwa yegore rapera mutero. NeSeP-IRA, zvisinei, vatengesi vanogona kuzarura nekubhadhara SEP-IRA yegore rakapera nekuwedzerwa kwemazuva ekupedzisira chero bedzi ivo vakaisa kuwedzera.
Kuwedzerwa Nguva yekudzorera IRA Contribution: Chero bedzi IRA yako inobhadharwa neApril inopera nguva, iwe unogona kuchinja maitiro eIRA munaOctober yakawedzerwa nguva yakatarwa. Chaizvoizvo, iwe unogona kutora mupiro wako wekare weIRA muRoth IRA, kana kuti mupiro weRoth IRA kune mupiro weIRA wechechi. Izvi zvinobatsira kana iwe usina chokwadi kana iwe unokodzera kune rumwe rudzi rweIRA. Iwe unogona kushandisa kunyange urongwa uhwu kuti uitezve recharacterize kutendeuka kwaRoth kudzokera kune imwe tsika yeIRA.
Inopa Nguva Yakawedzerwa Yokuita Zvisarudzo Zvakasiyana Pamutero Wako Kudzoka: Kune zvipikiso zvakasiyana-siyana zvinogona kuitwa pamutero wokubhadhara mutero, zvakadai sokusarudza kana kuderedza midziyo kana kutora chikamu chechikamu 179, uye kuti kutakura kana kutumira chero bhizimusi chero ripi zvaro kurasika. Izvozvo zvisarudzo zvinofanira kuitwa kana mutero wekudzoka uiswa. Kuisa chikwangwani kunokupa nguva yakawanda yekuita zvisarudzo.
Kunyora Kuwedzerwa Kunogona Kuvandudza Kuvimbika Kwokudzoka Kwako: Kune nguva isingadzivisiki yokutora mitero inopedzisa nekupera kwenguva, uye vateresi nevanoita mabhizimisi zvakafanana vanogona kuita zvikanganiso pavanomhanya. Nekuwedzerwa, izvi zvinokupa iwe newaini yako nguva yakawanda kuti uende pamusoro pekudzoka uye iva nechokwadi chokuti zvose zvakakwana zvisati zvatumirwa mukudzoka.
Kuwedzerwa Kunogona Kubatsira Kuderedza Mitero Yenyu Yokugadzirira Mitero: Vamwe vanyori vanoona mari vanosimudza mari yavo mumavhiki anotungamirira kusvika musi wekupedzisira, kungosiya mari yavo munguva inononoka kwemwedzi nemwedzi yezhizha. Vatengi vanobhadhara mutengo vanogona kuchengetedza mari nekuchinja kushandiswa kwemutero kune imwe nguva apo mumiririri wavo ari kukwereta mari shoma.
Nzira dzekufambisa kuwedzera
Nguva Yakawedzerwa Yokufaira Haisati Yichishandisa Nguva Yakawanda Yokubhadhara: Kuwedzerwa kuchakupa nguva yakawedzerwa yekudzorera kudzoka kwako, asi chero mutero unenge uchiripo nokuda kwekupedzisira kwekupedzisira. Kuwedzerwa kunogona kubatsira kuderedza chirango, asi chero chikwereti chiripo chichakwaniswa kutongerwa kubhadhara chikwereti chekubhadhara (0.5 muzana pamwedzi) uye kufarira (ikozvino iye zvino kusvika 3 muzana gore negore).
Vamwe Vanhu Havasi Mvumo Yokuwedzera: Vateresi vakagamuchirwa kuti vauye mukutengesa vanofanira kuisa pasi pegore raApril panguva yavo yekuongorora nguva yemakore mashanu. Kana iwe usingafambisi neApril murefu, IRS inogona kubvisa zvaunofunga-mu-kukanganisa uye zvakare kuisa mutengo wepakutanga wawakakwereta.
Hapana Yakawedzerwa Nguva Yokubhadhara IRA: Mipiro yeRitura IRA uye / kana Roth IRA inokonzerwa nemuvhuro wekutanga waApril.
Kwete Nguva Yakawedzerwa Yevakaroorana Kuti Vasiye Kubatana Kusarudzwa Kudzoka: Vakaroorana vakaroorana vakanyorera pamwe chete neApril muganhu vanogona, kana vachida, shandura kune avo vakaroora-kuisa- mamiriro avochete musi waApril 18 nekugadzirisa mutero wavo wekudzoka .
Hapana Yakawedzerwa Nguva Yokuita Sarudzo-Kumusika Kusarudzwa Kwevatengesi Vemabhizimisi: Joe Kristan, CPA, anotsanangura. "Kana iwe uchikwanisa kuve 'mutengesi,' April [18] ndiyo nguva yako yekupedzisira yokusarudza kana iwe ungaita 'sarudzo-kune-mutengo wezvokutengeserana' panzvimbo dzako dzekutengesa."
Iva Nechokwadi Kuti Udzose Kudzoka, Kunyange Kana Iwe Usingafungi Kuti Unoda
Ndangoona izvi zvichiitika kamwe chete, asi ndinoda kuti iwe uzive nezvazvo. Kana iwe ukanyora kuwedzerwa, IRS inogona kufunga kuti unoda kutumira mutero kudzoka. Kana ukagumisa usingafisi mutero wekubhadhara (zvichida nokuti hausati wasangana nemafuta ekufambisa), IRS inogona kuvhiringidzika uye ikukumbira kuti iwe udzoke kudzoka chero zvakadaro, pane zvinoratidza kuti iwe wakaisa chikwata chekukumbira nguva yakawedzerwa faira.
Kufambisa kuwedzerwa kwakanaka kwazvo
Mumwe nomumwe anokwereta anokwanisa kuwedzera kuwedzera achishandisa Fomu 4868 . Kuwedzerwa kunogona kuiswawo paIndaneti , iyo ine ruzivo rwaunowana gwaro rekusimbisa kubva ku IRS richikuzivisa kuti kuwedzera kwako kwakagamuchirwa. Mabhizimisi anokumbira kuwedzerwa kuburikidza neFomu 7004.