Mvumo yeMitemo yeMamwe Mitero Yemitero Inogona Kuva Yakakwana
Zvinosuruvarisa, iyo yose mitero yemitero inogona kuvhiringidza nokuti mumwe nomumwe anouya nemitemo yake yemitemo yakakodzera. Ziva kuti ndezvipi zvikwereti zvaunogona kutora, izvo zvausingakwanisi, uye zvinorehwa nemashoko ose emitero anosangana navo.
Credits Credits vs. Kubhadhara Mutero
Mvumo yemitero haina kufanana nekutengesa mutero. Mitero yemitero iri nani zvikuru.
Kudzingwa kunodzinganisa iwe kubvisa mari yako. Kana iwe wakagamuchira $ 50,000 pamusoro pegore rose uye une $ 10 000 muzvikwereti, IRS inongokubhadhara iwe pa $ 40,000. Icho chaicho chinhu chakanaka, asi chienzanise nacho kumitero yekubhadhara.
Iwe wapedza mitero yako yekudzorera, kusanganisira kutora zvese zvawakabhadhara iwe waive une kodzero. Iyezvino unoziva kuti kutonga kwako kwemitero kwakange kwaenda uye nenzira imwe chete iwe unokwereta IRS $ 1,000. Kana iwe uine kodzero yokutenga chikwereti chemitero ye $ 1 000 kana kupfuura ... chikwata . Mutero wako wekutereta unopera. Iwe hauna chikwereti che IRS chero chinhu. Kana iwe uchikwereta IRS $ 2,000 uye iwe une kodzero yekwereti ye $ 1 000, ikozvino iwe chete unokwereta mutengo- $ 1,000. Zvikwereti zvinobva pane chikwereti chako chemutero, kwete mari yako, uye vanozviita iyo dollar yemadhora.
Credits Refundable vs. Credits Non-Refundable
Iye zvino mamiriro acho ezvinhu anowanzooma kunzwisisa nokuti kune marudzi maviri emitero yekukwereta: zvakasiyana-siyana zvakadzorerwa uye izvo zvisingadzokeri.
Zvizhinji zvezvikwereti, asi kwete zvose, hazvina kudzorerwa, uye pane musiyano wakanaka.
Chimwe chikwereti chemutero chisingabhadhari chinogona kubvisa chero mitero yaunogona kubhadhara IRS, asi IRS haingakutumiri iwe kubhadhara kana kune chikwereti chakasara. Somuenzaniso, kana iwe uchikwereta $ 1 000 mumitero mushure mokuzadzisa mutero wako uye kana iwe unogona kutenga $ 2,000 mari isina kubhadhara mutero wemutero, chikwereti chako chemutero chinenge chichienda asi IRS inochengetedza mari-iyo inosara $ 1 000.
Iwe haugoni kutakura mberi kune makore anotevera, uye iwe hausi kuzogamuchira mari kumashure kwechiyero ichocho.
Kusiyana neizvi nemarikiti yakadzorerwa. Kana iyo $ 2,000 yekwereti yekwereti yaiti yaibhadharwa, inogona kubvisa chikwereti chako chemutero uye IRS ingakutumira iwe $ 1 000 kuti udzorere mari yacho.
The Earned Revenue Tax Credit
Zviri pachena kuti zvikwereti zvemitero zvinobhadharwa zviri nani, asi kune zvishoma chete zvadzo. Iyo Inowanikwa Imari Imitero Chikwereti ndeimwe yevakakurumbira zvikuru.
Ichi chikwereti chakaiswa mukati meInternal Revenue Code muna 1975 pamwe nechinangwa chekuisa mari yakawanda muhomwe dzevaripo pasi-kusvika kune vanowedzera mubhadhari. Sezvo zita racho rinoratidza, unofanira kunge wakagamuchira mari inobva pakushanda kune waunoshandira kana kuti iwe pachako uchishanda. Kana iwe uine mari inodarika madhora 3,450 inotengeswa kana mari inowanikwa kubva muna 2017, haugoni kukodzera. Unofanirwa kuva nemakore makumi maviri nemashanu uye iwe haugoni kusvitsa 65. Iwe unofanira kunge wakagara muUnited States kwemwedzi mitanhatu yemutero wegore, uye iwe haugoni kutaridzirwa semunhu anotarirwa nemumwe muteresi. Kana iwe wakaroora, iwe unofanira kufambidzana pamwe chete nemumwe wako.
Chiyero cheEITC chakagadzirirwa maererano nehuwandu hwevanhu vanovimba nevako uye mari yako. Kana iwe ukawana zvakawanda, haugoni kukodzera.
Kunyanya kuvimba kwaunoita, iwe mukuru wako chikwereti chichave. Kana mari yako iri yakanyanya uye iwe une vatatu kana kupfuura, vanogona kuva nekodzero yeEarned Revenue Tax Credit ye $ 6,318 kubva muna 2017.
The Child Tax Credit
Ichi ndicho chikwereti chakakurumbira zvikuru. Iwe unogona kukodzera $ 1 000 pamwana kusvika pa $ 3,000 zvachose kana une vana.
Vanofanira kunge vari vaduku kupfuura makore gumi nemashanu, uye iwe nevana vako munofanira kunge mune nhamba dzekuchengeteka dzevanhu dzekugara dzakapiwa pazuva kana kuti musati watarwa mutero wakatarwa wegore. Mwana mumwe nomumwe anofanira kunge ari mwana wako wekuzvarwa, mwana wako wakagamuchirwa, mwana akarereka akaiswa newe nehurumende yehurumende, kana mwana wako wokurera. Kana iye akazova nemupiro wega zvake, haagoni kugovera hafu kana kupfuura yekubatsira kwake mari munguva yegore remutero. Unofanirwa kumutora semunhu anovimba newe uye anofanira kuva mugari weUnited States.
Anofanira kunge akagara newe kwehafu yenguva.
Sezvakaitwa neMari Yakabhadharwa Chikwereti, haugone kuwana mari yakawandisa kana iwe unotarisira kuti uwane chikwereti chakakwana $ 1 000 pamwana. Kubva mugore ra20177, mutengo wemari ndeye $ 75,000 kune imwe chete uye musoro wezvinyorwa zvemhuri, $ 110,000 kune vakaroorana vanowirirana pamwe chete, uye $ 55,000 kana iwe wakaroora asi iwe unopa kudzoka zvakasiyana. Iwe unofanira kubvisa $ 50 kubva pamutero wako wemari kune $ $ 1 000 yaunowana pane iyi miganhu.
Zvechokwadi, iyo Child Tax Credit haina kudzorerwa, asi pane kubata. Kana iwe uine $ 3,000 mune mari, unogona kukodzera Kuwedzera Child Tax Credit, zvakare, iyo inogona kuisa mari zvakare muhomwe yako. Kubva muna 2017, chikwereti ichi chinogona kunge chakaita se 15 muzana yemari yaunowana inowanikwa mari inopfuura $ 3,000. Kana iwe ukakwanisa kutora iyo Yakawedzerwa Imwe Imwe Mitero, iwe unogona kunge uine izvi zvakawanda zvepakutanga Child Tax Credit yakadzoserwa kwauri mushure mokunge chikwereti chemutero chaunogona kubhadhara chiri kubviswa.
Mamwe Mavara Akatorwa Asingadzokeri
Kune dzakawanda dzisina kubhadhara mitero yemitero kunze uko, asi dzimwe dzakawanda kupfuura dzimwe.
- Kana iwe uine makore makumi matanhatu kana makumi matanhatu kana kana wakabatwa, unogona kukwanisa kubhadhara chikwereti chemutero kune vakwegura nevakwegura, dzimwe nguva kunonzi " Senior Tax Credit ." Zvakare, kana ukawana zvakawanda, wakakunda ' Tinofanirwa, uye zvikumbaridzo zvakaisvonaka pasi: $ 17,500 chete muhutano hwakakosha huripo kana iwe usiri mumwe kana mukuru weimba yeimba. Zvimwe zvakaoma kuverenga zvinotanga kuitika kana iwe usina mari inoshandiswa Social Security kana imwe mari yekurega basa. Nhamba yemari yechikwereti iri kubva pa $ 3 750 kusvika ku $ 7 500 kubva muna 2017.
- Iwe unogona kukodzera kuChidiki uye Kuchengetedza Kunotora Chikwereti kana iwe uchibhadhara mutarisiri kutarisa mwana wako kana vana vari pasi pemakore gumi nemaviri kuitira kuti ugone kushanda kana kutsvaka basa. Iwe unogonawo kukodzera kana mumwe wako asingakwanisi kuzvitarisira kuitira kuti iwe unofanira kubhadhara mumwe munhu kuti amutarisire. Iyi chikwereti inogona kusvika kusvika 35 kubva muzana yekutarisira kwako kukodzera, asi zvakare, inotarisana nemari yekuwana mari.
- Kune zvikwereti zviviri zvemitero zvekudzidzisa zviripo mugore ra2017 rekutere: Lifetime Learning Credit uye American Opportunity Tax Credit . Mumwe nomumwe anokubvumira kubvisa chikamu chemari yaunenge uchibhadhara muchikoro uye zvakakodzera mari yako, iwe wako kana mudzimai wako kuti aite pashure pekondari. Kuwanda kwezvikwereti izvi kunodererawo sezvo mari yako inowedzera kupfuura mamwe mimwe miganhu. Mitemo inosarudza mararamiro ezvidzidzo zvekudzidzira zvinokodzera kubhadhara chikwereti, kusanganisira zvimwe zvikwereti uye zvinotarisirwa mari. Iwe unogona kutora chimwe chezvikwereti izvi kana chimwe, asi kwete zvose.
Ramba Uchichenjerera
Izvo zvikwereti zvinongova chidimbu chechando uye mitemo yakapiwa apa inongorongedza. Iva nechokwadi chokuti unokodzera kubvunza izvi zvikwereti zvemutero kana vamwe vasati maita kudaro. Kuedza kubhadhara chikwereti chemutero chausingafananidzi kunogona kukonzera kuongorora kwe IRS , chimwe chinhu hapana munhu anoda kuti atarise. Zviri nyore kutora zvisiri izvo nokuti mitemo yezvikwereti zvakawanda inopindira uye yakaoma. Kana iwe uine kusava nechokwadi zvachose, ungada kuongorora nemudzidzisi wemitero usati waisa kudzoka kwako.
Kana zviri zvezviputi zvekuwana, ramba uchifunga kuti kune zvikwereti zvakawanda, zvinoreva mari yako yakagadziriswa kana AGI, kwete mari yakawanda yawakawana kwegore. Iwe unogona kuwana AGI yako pamutsara 37 wemutero wako wekubhadhara kana iwe ukaisa Fomu 1040, pamutsara 21 kana iwe ukaisa Fomu 1040A, kana mutsetse 4 paFomu 1040EZ.
AGI yako ndiyo yakasara mushure mekunge iwe uchitora "zvimwe pamusoro pezera" kugadziriswa kune mari asi asi usati wabvisa zvigadziro zvako zvakakwana kana zvakakonzerwa nemitengo. Uye zvimwe zvinoshandiswa kushandisa shanduko yako yakashandurwa yakawanda yakashandurwa panzvimbo iyo, kunyange izvi zvakafanana neAAGI yako kune vakawanda vanobhadhara. Zvakare, kana usingazivi kuti MAGI yako chii uye iwe unoda kuziva, chengeta nemudzidzisi wemitero.