Chirongwa Chekufambisa Mitero Yemunhu Kubhadhara
Zviripo kuti unzwe squeamish shoma apo unotarisana nemitemo yakawanda uye zvingangoita zvinokanganisa kana iwe usingazvinzwisisi, uye vanhu vazhinji vanotarisana nedambudziko iri panguva yekuteresa. Kunzwisisa kwemitemo yemitero kunogona kukuchengetedza mari pane zvinopesana uye zvichida kunyange pamitero yako, zvakare. Iwe ungasave wakagadzirira kuzviti iwe nyanzvi uye shingairira shingle yako kuti ugadzirire zvimwe zvekudzoka, asi kuziva mirairo iyi inogona kufamba nenzira yakareba kune rugare rwepfungwa paunenge uchivhara shirtsleeves yako kuti ugadzirire iwe pachako.
Heino mhedziso yezvinhu zvaunoda kuziva kana iwe ukaisa purogiramu yako yemutero inodzoka, uye kunyange iwe uchiita zvishoma kuronga mutero wekudzoka kwegore rinotevera.
Iwe Unofanirwa Kushandisa Here?
Haasi munhu wose anofanirwa kutumira mutero wemunhu pachake wekudzorera. Muzvokwadi, kana Social Security mabatsiro aive iwe chete mari yako gore rapera, iwe haufaniri kuita. Unhu hwehutano hwehutachiwana hahukwanisi kutora uye haudi kuiswa kwekudzoka kana ndiwo chete mari yaunayo, uye izvi zvinoshanda kune Supplemental Security income. Kana iwe wega wega wekuwana mari isingabvi kubva kune basa kana kuisa mari, tarisa nemudzidzisi wemitero kuti uone kuti iwe unomira kupi.
Saka chii chinoitika kana iwe ukawana mari shoma shoma? Ingave iwe unosungirwa kuisa kudzoka kunobva pane yako yekutsvaga chimiro.
- Negore ra2016 - mutero - kudzoka kwauchazoita muna 2017 - vasina kubhadhara vari pasi pezera remakore makumi maviri nemashanu havafaniri kudzorera kudzoka kana vakawana zvishoma kudarika $ 10,350 kubva mubasa rekugara uye / kana kuisa mari.
- Kana uine makore makumi matanhatu nemashanu kana kupfuura, une imwe nzvimbo shoma, kusvika ku $ 11,900 usati wafanirwa kudzorera kudzoka.
- Kana iwe uchikwanisa kuva mukuru weimba, denga rinowedzera kusvika $ 13,350 kana uri pasi pe65 uye $ 14,900 kana uri 65 kana kupfuura.
- Kana iwe wakaroora kuiswa pamwe chete, muganhu uri $ 20,700 kana iwe nemumwe wako mune pasi pemakore 65. Izvi zvinowedzera kusvika $ 21,950 kana mumwe wenyu ari 65 kana kupfuura uye kusvika $ 23,200 kana muri vaviri.
- Kana iwe wakaroorana uye uchinyorera zvakasiyana, iwe haugone kuwana mari zvachose iwe usati wadiwa kuti udzose kudzoka: $ 4,050 pasinei nokuti uri wemakore akadini.
Basa rekuzvitsvaga basa rinowanzosvika $ 400 semwaka wegore ra2016, pasinei nehuwandu hwekutsvaga kwako. Kana iwe uchiwana zvakawanda izvi kubva pakudzinganisa kana kuitisa bhizinesi rako pachako, unofanira kutora mutero kudzoka.
Unofanirwa kugamuchira Fomu 1099-MISC kubva kune ani zvake akakubhadhara pamusoro pegore. Iyi $ 400 chikamu chikamu chakawanda. Mune mamwe mazwi, kana Joe akakubhadhara $ 290 uye Sally akakubhadhara $ 110, unofanira kudzorera kudzoka nokuti idzi zviviri mari yekubhadhara madhora 400 kana yakawedzerwa pamwe chete.
Iwe Unogona Kuda Kushandisa Pasinei
Usati wataura "Phew!" Uye bvisa calculator yako, funga izvi. Kana mari yako inowira mukati mezvidimbu zvehutano hwako, iwe unogona kuva nekodzero yokutora chikwereti chemari yekubhadhara, iyo inogona kubhadharwa. Iko Internal Revenue Service ichakutumira mari kana chikwereti chinopfuura chikwereti chako chemutero - asi kana iwe ukapa kudzoka kuti utaure chikwereti.
Saizvozvowo, kana iwe ukawana zvishoma kudarika chikamu chako chekutsvaga mafaira gore rapera, iwe hauna kutarisirwa kuisa kudzoka asi mushandirwi wako anenge asingamboregi kutora mitero kubva pamarikiti yako. Iwe haugone kuwana mari yemari iyo kunze kwekuti iwe waisa.
Ndeupi Mutero Wakabhadhara Unowira?
Achifunga kuti iwe unofanirwa kuisa, mubvunzo unotevera unova kuti iwe unofanira kubhadhara zvakadini.
Mabhoksi emitero anovhiringidza vateresi vakawanda, saka usazviona uri wega kana iwe uchingoratidzirwa navo. Vanosarudza chikamu chemari yaunowana, mushure mokutaura kusunungurwa kwakasiyana-siyana, kuti iwe unofanira kupa IRS.
Heuno maitiro avanoita gore regore ra2017. Iyi ndiyo mari yaunowana iwe kudzorera kudzoka muna 2018.
- 10 muzana: $ 0 kusvika ku $ 9,325 mumari
- 15 muzana: $ 9,326 kusvika $ 37,950
- 25 muzana: $ 37 951 kusvika $ 91,900
- 28 muzana: $ 91 901 kusvika ku $ 191,650
- 33 muzana: $ 191,651 kusvika ku $ 416,700
- 35 kubva muzana: $ 416,701 kusvika ku $ 418,400
- 39.6 muzana: $ 418.401 uye kupfuura
Vanhu vazhinji vanofunga kuti vanofanira kubhadhara chikamu ichi pamari yavo yose, asi izvo hazvina kururama. Kana wakagamuchira mari ye $ 37,000, iwe unobhadhara 10 muzana pamitero pa $ 9,325 yekutanga-iyo chikamu chinowira mu 10% bracket. Iwe unongobhadhara 15 kubva muzana pane mari yaunowana pamutengo uyu, chikamu chinowira mukati mechikwereti chemitero chinotevera. Saizvozvowo, kana iwe ukawana $ 50,000, iwe waizobhadhara pa 25 muzana mutero wekuda kwemadhora wawakagamuchira kupfuura $ 37,950.
Iye zvino Unogona Kubvisa Kubva Mari Iyo
Iwe unogona kutora vanhu vanovimba uye wotora mamwe madhadharo ekuderedza mari yako uye inogona kuunza mari yako mubhaketi shoma shoma. Maererano nePew Research Research, mavhareji ose mutero wevateresi veAmerica vakagamuchira madhora anodarika madhora 50 000 muna 2014 kwaingova 4.3 muzana mushure mekunge vashandisa zvose zvakaderedzwa zviripo.
Chimwe chezvinyorwa zvakanyanya zvakapiwa nekodhi yemitero ndiyo kuregererwa kwomunhu oga . Kubva mugore regore ra20177, unogona kuveura $ 4,050 kubva pamutero wako wekubhadhara kune mumwe nomumwe anotarisira iwe unogona kutora pamutero wako wekubhadhara pane iwe pachako. Pamutengo wakakura-$ 261,500 kuvanhu, $ 287,650 nokuda kwevakuru veimba uye $ 313,800 nokuda kwevakaroora vakaroorana pamwe chete - izvi zvingabhadharwa zvinotanga "kubuda kunze," zvisinei. Iwe uchave nekodzero yekuita zvishoma kudarika mutengo wepamusoro apo inowanikwa yako inopfuura iyo miganhu, uye iwe unogona kunge usingagoni kukwanisa kuregererwa kwako pachako zvachose zvichienderana nekuwanda kwezvaunowana.
Kana zvisina kudaro, kana iwe wakagamuchira $ 50,000 gore rapera uye iwe uri mubhadhari mumwe chete pasina vatsigiri, mari yako inobhadhara inodonha kusvika $ 45,950 saizvozvowo.
Zvino, tarisai zvinoitika kana iwe uine mwana. Mari yako inodonha ne $ 8,100 - $ 4050 kaviri. Kana uine vaviri vanovimba, mari yako inogona kuwira ne $ 12,150.
Hazvishamisi kuti vanhu vanoda kuti vangave vachida mhuka dzavo sevaduku. Aiwa, hazvisi nyore. Mitemo yakasimba inoshanda. Chokutanga, vanovimba newe vanofanira kunge vari vanhu uye pane mitemo yakasiyana yevana vanotarisira vana uye dzimwe hama.
Kufanirwa Kwevana Vanotsigirwa
Kuti ukwanise kuva munhu anovimba naye, mwana anofanira:
- Iva neukama kwauri, asi mutemo uyu unoshandiswa kusununguka. Vana vekurera uye vana vanokurudzira vanofanirwa, sekuita hafu nevana.
- Iva muduku kudarika makore 19 musi wekupedzisira wegore remutero, kana makore makumi maviri nemana kana akanyoresa semudzidzi wenguva yakazara
- Iva muduku kudarika iwe kana, kana iwe wakaroora uye uine zvinyorwa pamwe chete, muduku pane iwe kana mudzimai wako
- Urarame newe kwemwedzi mitanhatu yegore
- Ive usina kubhadhara mari inopfuura hafu yekutsigira kwake gore
Zera rinotonga harisi kushanda kune vana vakaremara, uye iwe unogona kukwanisa kupa mwana asina kufambidzana newe pane mamwe mamiriro akasiyana. Zvichida unogara nemusikana wako uye iwe unotsigira mwana wake. Kana asingakwanisi kutora mwana wake seanozvimiririra oga pane chimwe chikonzero, uye kana pasina mumwe munhu anogona kumubvunza zvakare, pane kunze kwemukana wekuti iwe unogona kudaro. Taura nenyanzvi yemitero kana iwe uri mamiriro akasiyana akadai.
Mhuri Dzinokodzera
IRS ine mitemo yemitemo yevanhu vakuru vanovimba navo, zvakare, sekunge iwe unotsigira amai vako vakwegura.
Hapana mitsara yemakore inoshandiswa kune hama dzinokodzera - munhu wacho anogona kunge ari mwana, asi vana havagone kuva mumwe munhu "mwana akakodzera." Uyu ndiwo mutemo wemutero unogona kukubvumira kuti utaure mwana wako musikana. Dzimwe mimwe mitemo inoshandawo zvakare.
- Munhu wacho anofanira kunge akawirirana newe. Zvichienderana nehukama hwehukama hwako, angave achifanira kugara newe gore rose. Mubereki haazofanira kugara newe.
- Mari yake yakawandisa yegore inofanira kunge iri pasi pehuwandu hwekuregererwa kwako pachako iwe waunoda kutora kwaari, iyo inokwana madhora 4,050 muna 2017.
- Iwe unofanirwa kubhadhara chikamu chinenge chikamu chekutsigirwa kwake kwose.
Zvakare, aya ndiwo mitemo yakawanda, naizvozvo kana iwe ukawana uri kutamba nechepamusoro apo iwe unofunga kuti mumwe munhu angave ari iwe unotarisira, chengeta nemudzidzisi wemitero kuti ave nechokwadi. Kana iwe ukati mumwe munhu iwe hauna kodzero yokutaura, iwe unogona kuzvisvinurira kuti uongorore.
The Standard Deduction
Iwe hausati wanyatsobviswa pamari yako yaunotengesa ikozvino. Pane zvimwe zvakaderedzwa zvakawanda zvinowanikwa kwauri. Pachinhu chiduku, unokwanisa kubvisa $ 6 350 kubva pane yako yose yaunowana kuti uone bhadha yako yemutero. Uyu ndiwo mutengo wakatarwa wevateresi mumwe nomumwe uye kune avo vakaroora asi vachiisa pane zvakasiyana. Kubviswa kunowanikwa ne $ 12,700 kana iwe wakaroorwa uye uchiisa pamwe chete, uye iri $ 9,350 kana iwe uchikwanisa kuva mukuru weimba.
Kana iwe usina kuroorwa nemumwe munhu anovimba naye, yako $ 50,000 mumari yawanikwa iko zvino yakaderedzwa kusvika $ 35,550: $ 50,000 pasi pe $ 8,100 nokuda kwezvikwereti zviviri zvemunhu zvishoma kudarika $ 6,350 pamutengo wakatarwa. Asi izvozvo zvinomiririra iwe unenge uchitaura zvinogona kukukodzera iwe sevakuru veimba , zvichikuunza kuderedzwa kwakakwana mumari ye $ 17,450 - ye $ 8,100 muzvikwereti zvako pachako uye $ 9,350. Mari yako inobhadhara inenge iri $ 32,550 chete.
Chimwe chaunosarudza chaizove kuti iwe uite zvido zvako , asi izvi zvingave zvisina kunaka kwako. Iwe unowedzera zvose mutero-deductible mari yaunenge uchibhadhara pamusoro pegore rawakaita itemize - uye iwe unofanirwa kuva nechiratidzo cheumwe neumwe wavo, kusvika pasi peneni. Deductible mari dzinosanganisira zvinhu zvakadai sezvikwereti zvemishonga, zvipo zvezvipo, uye mitero yemitengo. Iwe unenge uchizobvisa chikamu panzvimbo pekuderedzwa kwakakwana.
Zvimwe zvinoshandiswa zvinowanikwa pane zvisingakwanisi, saka zvinogona kuva zvakaoma kuti uwane zvinodarika $ 9,350 zvakaderedzwa zvakakwana kana iwe uri mukuru weimba, kana kunyange $ 6 350 kana iwe uri mubhadhari mumwe chete. Uye kana iwe usina huwandu hwemitero-deductible mari kupfuura huwandu hwekuregererwa kwemazuva ose iwe unofanirwa, iwe uchabhadhara mitero pane mamwe mari kupfuura iwe unofanirwa. Ruzhinji rwevateresi varipo - inenge 66 kubva muzana - inotaura kubhadharwa kwemashoko.
Kugadziriswa Kwekuwana
Iwe unogona kukwanisa kutora mamwe madhauriro kunze kwekuderedza kwako kwakakwana. Izvi zvinonzi kushandurwa kune mari kana "pamusoro pezera", uye iwe haufaniri kutemesa kuti uvataure. Iwe unogona kuvabvisa pa peji rekutanga reFomu 1040 kuti uone kuti iwe wakagadziriswa mari yakawanda sei. Kana iwe ukabhadhara chikwereti chemudzidzi, iwe unogona kutora kubhadhara iko pano. Saizvozvowo, kana iwe ukabhadhara yako yekare, iwe unogona kutora icho sechigadziriswa kune mari - haufaniri kubhadhara mutero pamari iyi. Mipiro yeIRA inogonawo kuderedzwa sechigadziriswa kune mari.
Iye zvino Onai Kana Unogona Kuderedza Mutero Wenyu WeMitero
Zvakanaka, wapedza kutora zvese zvaunowana. Zvichida wakakwanisa kuvhara iyo $ 50,000 mari kusvika ku $ 31,000 nekuda kwekuregererwa kwako, kuregererwa kwemazuva ose uye chikwereti chawakabhadhara kune avo vechikwereti vechikoro. Asi zvakadini kana iwe ukawana kuti iwe uchiri kukwereta IRS $ 1 000 mushure mezvose izvo zvinodzinga?
Iyi ndiyo iyo kukweretwa kwemutero kunouya. Pane zvikwereti zvakawanda zvemitero zvinokubatsira kubvisa chikwereti ichi chemutero. Iyo yakawanda yadzo haina kubhadharwa. Izvi zvinoreva kuti vanogona kuderedza kana kunyange kubvisa chikwereti chaunokweretesa IRS, asi IRS inochengetedza chikamu kana chero chikwereti chinosara. Kana iwe ukakodzerwa ne $ 2,000 chikwereti asi iwe chete unokwereta IRS $ 1 000, chikwereti chichabvisa mutero wako wekubhadhara - iwe haungabhadharwi chero chinhu - uye hurumende iri $ 1 000 yakawanda.
Zvikwereti zvinodzokodzwa - semutengo wemari unowanikwa mari inotaurwa pamusoro apa - zviri nani zvikuru. Kana iwe uchikodzero kubvunza chimwe chezvikwereti izvi, IRS inokutumira cheki chekuenzanisa mushure mokunge mutero wako wemutero wakaderedzwa kusvika zero. A $ 2,000 chikwereti chinodzokodzwa chinogona kubvisa chikwereti chako chemutero uye IRS ingakupa $ $ 1,000.
Heano mamwe ematarenda akawanda emitero iwe unogona kukodzera kubvunza:
- Kubhadhara Imari Imari Chekwereti : IEITC inotarisirwa kubatsira vatsigiri vepasi vasina mari. Kubva muna 2017, chikwereti chikuru chiripo chiri $ 6,318 kana iwe wakaroorwa, kana iwe ukanyora pamwe chete, uye kana iwe une vatatu kana kupfuura vakatarisira. Mari yako inofanira kuwira pasi pechimwe chikumbaridzo. Chikwereti chinoderera sezvo iwe uchiwana zvakawanda uye pakupedzisira hazviwaniki zvachose kana iwe uchiwana zvakawanda.
- Mikana yeAmerica Mutero Wemari : Unogona kuda chikwereti kusvika kusvika $ 2 500 pamudzidzi kubva muna 2017 kune chikoro chekudzidza uye zvimwe zvedzidzo zvine chokuita nedzidzo zvakabatanidzwa kwemakore mana ekutanga emashure-secondary school. Chikamu makumi mana kubva kune chikwereti ichi chinodzosera. Izvi zvinoreva kuti iwe unokwanisa kukwira kusvika ku $ 1 000 zvakare muchikwereti kana iwe une kodzero yepamusoro $ 2,500 chikwereti.
- Mwana uye Anomiririra Kuchengetwa Chikwereti : Kana iwe uchibhadhara mumwe munhu kuti atarisire mwana wako kana mumwe munhu anovimba naye kuitira kuti uende kunoshanda kana kutsvaka basa, unogona kukodzera mwana uye mutero wekutarisira mutero wekutarisira. Mwana wacho anofanira kunge ari muduku kudarika makore gumi nematanhatu, uye vanhu vakuru vanovimba vanofanira kunge vakaremara. Iwe unogonawo kutora chikwereti ichi kana wako wako akaremara uye mumwe munhu anofanira kugara naye. Kuverenga mari yekwereti inogona kuva yakaoma, saka unogona kubatsirwa rubatsiro kuti uzvione. Hazvibhadharwi.
- Child Tax Credit : Iyi inosvika ku $ 1 000 kune mumwe nomumwe wevana vako vanovimba nevasati vasvika makore gumi nemashanu, uye iwe unogona kuzvitsvaira kune chikwata chekutarisira mari. Hazvisi zvekubhadharwa, asi Zvamwe Child Tax Credit inogona kukanganisa kana iwe uchinge wapinda mu 10 muzana mutero bracket uye iyi inotsiviwa. Inoshanda muchero nekwereti yemukero yemwana kuti uwane mari yakadzoka. Mutemo webhasi-bhakiti ndiyo itsva kumutero wemitero unoshanda munaJanuary 2017.
Kunewo zvikwereti zvinowanikwa pakugamuchirwa, kubhadhara mari yekuchengetedza mari uye dzimwe dzimba dzemari. Zvimwe zvinongororwa pazvikwata zvepamusoro zvemari.
Ko Kana Iwe Usingakwanisi Kubhadhara?
Pashure pezvose zvataurwa uye zvaitwa, chii chinoitika kana iwe uchiri nemari ye IRS mari uye iwe haugone kuisa maoko ako pamari kuti utumire kubhadhara iwe paunotumira kudzoka kwako? IRS inoda kushanda newe nenzira shomanana:
- Kana iwe uchifunga kuti unogona kubhadhara mukati memazuva makumi maviri ekudhinda kudzoka kwako, tana IRS pa 1-800-829-1040 kuti uite urongwa uhwu.
- Kana iwe uchifunga kuti zvichakutora nguva yakareba kuti uuye nemari, iwe unogona kunge wakakodzera chikamu chekugadzirisa kuitira kuti iwe unogona kubhadhara chikwereti chako chemutero muzvikamu zvenguva dzose uye zvakaenzana pamwedzi. Pane dzimwe mari dzinobatanidzwa neizvi.
- Kana iwe uri mudambudziko rakakomba, dana IRS - kana kuti zviri nani zvakadaro, taurirana nemudzidzisi wemitero - kuti uone nezvekupinda mune zvaunenge waita mukutengesa. Mitemo yakaoma, asi IRS inogona kunge yakagadzirira kubvuma chikamu chezvaunokwereta.