Mitero yakatonga mwedzi yekupedzisira ya2017, kusvika pakudaro kuti hakuna munhu achakupa mhosva kana iwe usingadi kunyange kufunga nezvavo apo isu tichienda mu 2018 mutero wemutero.
Zvakanaka, zvakaipa. Sezvo Ben Franklin achinyanya kutaura, ichiri chimwe chehupenyu huviri hwakasimba hazvibviri kupukunyuka. Asi izvi hazvirevi kuti iwe unofanirwa kudana mubhadhari wemari kuti uwane mitero yako inotarisirwa. Heino pepa rekubiridzira kuti ikubatsire kuona, zvichienderana nemamiriro ako emitero, kuti iwe rubatsiro rwakadini iwe unonyatsoda kuwana basa racho.
Yakananga uye Yakananga: Faira ye Free
The Scenario: Iwe uri firimu ine imwe kana kupfuura maW2 mafomu kubva kune vashandi, imwe nhaurirano yekuchengetedza kwekambani, mashomanana ezvimwe zvikamu. Kusina chero kubviswa kwakakosha, iwe uri kuronga kutora kuderedza kushandiswa.
Iri Urongwa: Iwe uchave uri kuisa fomu 1040EZ kana 1040A, uye zvinoita chaizvo kuti iwe uite mitero yako pasina. Ingoona kuti mamwe mashandisi "haasi akasununguka sezvamunofunga" nokuti anotengesa dudziro yevashandi, anodaro Ed Slott, CPA. (Zvimwe makambani anopa pachena mutero wemashandisi anoshandisa ruzivo rwako kurumbidza chikwereti chekwereti, zvikwereti kana mazano emari.) Zvaunosarudza zvinosanganisira:
- I IRS 'Free File tool inowanika kune avo vanoita zvishoma kudarika $ 66,000 pagore mukugadziriswa mari yakawanda. Kune avo vanoita zvakawanda, pane mahwindo, mavara anonyangadza-uye kurayirirwa ma-mavhidhiyo kubva kuRISvideos.gov. Vamwe vateresi vematare ehurumende vanopawo zvivako zvekutsvaga paIndaneti pasina.
- Chikwereti Karma Imitoro yekusunungura kusununguka nekutaura kwemaawa 24-asi kambani inoshandisa ruzivo rwako kuita mazano uye kukutumira iwe zvinopiwa kubva kune vamwe vavo.
- H & R Block More Zero zvakare isingabhadharwi. Inopa mararamiro ehupenyu anotsigira uye inofukidza mamiriro emitero semipiro, kutora chikwereti chido, kubhadhara mari yemari uye mari yechikwereti chechikoro.
- TurboTax Absolute Zero uye TaxAct Free dzakadai-dzedzimwe sarudzo dzisina mimwe dzinotarisirwa kune vaya vanoisa fesheni 1040A kana 1040EZ mafomu uye kudzoka kwenyika. (Cherechedza: Maererano neTurboTax, nokuda kwekushandisa kwavo Absolute Zero, havatengesi / kugovana mashoko evashandisi kana kuishandisa kuti vaite zvipo zvinobva kune vavakaroorana navo.)
- Kana iwe ukasarudza mu-munhu kutumira rubatsiro, edza AARP Foundation Tax-Aid, iyo inopa rusununguko rwekutengesa rusununguko rusununguko kune wese kune nzvimbo dzinopfuura 5 000, pasinei nehuwandu hwehutano hweAARP. Mushure mekupa mumwe wevabatsiri iwe ruzivo rwemitero, "kudzoka kwako kwakagadzirirwa nguva iyoyo neapo, uye iyo yakaiswa pamagetsi nokuda kwako," anodaro Julian Block, mutero wemutero muLarchmont, NY.
Mid-of-the-Road: Faira pasi pe $ 100
Scenario: Mamiriro ako ezvinhu ane maitiro mashomanana, asi hapana chingaita kuti auntian afunge kaviri. Zvichida iwe itemize zvawakabvisa, kana iwe uri neimba yako, kana iwe uri kushanda-shandisa nemari shoma (semuongorori kana kuti munyori wega wega).
Iro Plan: Iwe uchave uri kuisa fomu ye1040 uye zvichida purogiramu C kana iwe uri nhengo ye gig economy (mutyairi waUber, munyori wekuzvipira, kana kuti kunyange ane bhizinesi rako duku). Iwe ndiwe akakodzera mubhadharo wekubhadhara-kwekamuri yemutero software . Iwe unokwanisa kukwanisa kuita chinhu chose chakaitwa pasi pe $ 100. Uye usashushikana kuti iwe ungangodaro usina kurasikirwa nekusaenda kuchikoro chemitero; seBlock notes, "munhu waunobhadhara kuti agadzirire kudzoka kwako anoshandisa mutero wemutero."
Zvaunosarudza zvinosanganisira:
- TaxAct inopa "Plus" sarudzo kune vavanidzi vemunda, itemizers uye filers nemari ($ 17.50), pamwe ne "Freelancer" service yevanokonzerana vakazvimiririra kana vanozvishanda vanozvishanda ($ 27.30). Iko kambani inodha imwe $ 37 yekudhinda nyika yako kudzoka.
- H & R Block inopa "Deluxe" iri paIndaneti kufungidzira vadziri veminda uye itemizers ($ 34.99), pamwe ne "Premium" basa kune varairidzi nevadzidzisi veminda ($ 54.99). PaH & R Block, nyika inodzoka ndeye $ 36.99.
- Pakupedzisira, TurboTax inopa "Deluxe" version yeitemizers ($ 39.99) ne "Premier" version yevaya vane mari uye mari yekuvakira ($ 59.99). Iko kambani inotora imwe $ 36.99 yezvekudzoka kwenyika.
Cherechedza: Kana uchida kutarisa basa rako, unogona kugadzirira kudzoka kwako pazvikwata zvakawanda, woenzanidza mhinduro. (Vakawanda havangakupi mhosva kusvikira iwe waisa uye ugoisa.) Kudzokorora mari yose inofanira kuverengwa zvakafanana-kana zvisingaiti, iyo pfungwa yakanaka kudzokera shure uye kuona kwawakaenda. Kana wangozvifunga, iwe unogona kusarudza nzvimbo iyo inokupa iwe mutengo wakaderera kuisa. Kana wakagadzirira kudzoka kwako asi uchiri nemibvunzo, kana iwe hauna chokwadi kuti wakaita zvose nenzira yakarurama, une mukana wekutora kudzokera kwako kwakagadzirirwa kune unyanzvi wemitero uye uvakudze kuti vadzorere zvakare.
Mari yakaderedzwa yavachabhadhara inogona kuva inenge 25 kubva muzana yemari yavo yakazara, anodaro Block.
Zvakaoma: Gadzirira Kubhadhara (Asi Kwete Hazvo Zvikuru)
The Scenario: Zvichida iwe muridzi webhizimisi kana shamwari / muridzi mune bhizimusi guru. Zvichida waive nechiitiko chakakodzera gore rino (sekuroorana, kurambana kana kutengeswa kwemba). Zvichida une mari yakawanda kubva muzvikwereti kana iwe uchikwereta pfuma. Mune mamwe mazwi ... Mamiriro ako emitero akaoma zvakaoma.
Ronga: Iwe uchave uri kuisa fomu ye1040 , pamwe nemamwe mafomu-kusanganisira, zvichida, purogiramu E fomu (kana iwe uchikwereta pfuma kana uri mugoveri wekambani kana shamwari). Iwe unogona kuchengetedza mutengo wakanyanya kwazvo kana uchinakidzwa nekunyora kwepaIndaneti-zvichida nevamwe vanogara vachida-kubvunzwa rubatsiro-kana iwe unogona kukandira munhu chaiye wekutumira. Zvaunosarudza zvinosanganisira:
- Mamwe mapurisa emapurogiramu emapurogiramu anopa vashandi vanozvipira kushandiswa kune vashandi vedzinesi duku H & R Block's cost $ 74.99, uye TurboTax $ 89.99. Iyi yekupedzisira inopa TurboTax Live, basa idzva revhidhiyo imwe-nzira inotaurirana nemuteresi wepamusoro wepamusoro kana mujeri akanyorwa. (Inodhura madhora 149.99 uye inosanganisira zvinhu zvose zvakapiwa muTurboTax Self-Employed.) Vashandi vanogona kuvimba kune nyanzvi dziripo zvekuwedzera mibvunzo kana kuti nyanzvi kugadzirira kudzorera ivo.
- Mutero wekubhadhara mutero unofanana neH & R Block ndiyo nzira inoshandiswa kana iwe uchida kuronga gore rinouya uye tarisa kuti mitemo itsva yemitero inogona kuitwe sei (somuenzaniso, uri kutsvaga mari yepamusoro inobhadhara kumusha, kana iwe unotova nemari yakawanda here?) Vanonyanya kutarisa kuti mamiriro ako emitemo akachinje sei gore rino uye kuti ingakanganisa sei iwe gore rinotevera, anodaro Lynn Ebel, gweta rezvemitero ne Tax Tax paH & R Block. Kambani inopa mazvisarudzo akasununguka ehurumende yezvekudzoka, uye kunze kweiyo, mutengo unopesana zvichienderana nemunhu uye mafomu anodiwa, kuenzana ne $ 220.
- Iwe unogona kuenda neCPA kana Warevererwe Agent kana uri kuvaka bhizinesi rako pachako, sezvo ava vanhu vane ruzivo rwekugadzirira vose varipo mitero uye kupa mazano mabhizinesi sezvavanokura. Izvo zvinosarudzawo zvakanaka kana iwe uine chikamu chakaoma chekutsvaga mari. Asi hazvingasvikiki: Iliana Malinov, CPA uye mutungamiriri wemitero yeHLB Gross Collins (mahofisi e-CPA akazara muAtlanta), inoti iyo yakawanda inodzoka inotanga kusvika madhora 1 500 uye inokwira kubva ipapo. Izvozvo zvinogona kutinhira, asi kana mari yako yakakwirira zvakakwana uye mitero yako yakaoma zvakakwana, zvingave zvakakosha.
NaHayden Field