Iwe unofanirwa kubhadhara zvinyorwa zvekutora chikwereti chekubhadhara chikwereti
Sezvakangoitika, iwe unogona kutora chikepe kana motokari semusha, kana imba yechipiri, uye naizvozvo kubhadhara chikwereti pane zvinhu izvi kunogonawo kuva mutero wakabviswa.
Pasi pane mitemo inoshandiswa kuti uwane chikwereti chekubhadhara chikwereti.
Nokuda Kwechikwereti Chako Chido Chokutora Mutero Deductible Iwe Unofanirwa
- Itaitize zvitsauriro paFomu 1040 apo iwe ukakanda mitero yako.
- Iva nemhosva yepamutemo kune chikwereti (kureva kuti chikwereti chinofanira kuva nezita rako pairi).
Kana ukasangana zvose zviripo pamusoro apa iwe unogona kubvisa chikwereti chabhadharwa kusvika kusvika $ 1 mamiriyoni ekutora chikwereti. (Cherechedza: kana iwe wakatora chikwereti chako kunze kweChishanu 13, 1987, iyi dhora risingabatsiri).
Iyo $ 1,1 Mamiriyoni muganhu wega wega wakaputsika muzvikamu zviviri sezvinotevera:
- Iwe unogona kutora chikwereti chakabhadharwa kusvika kusvika $ 1 mamiriyoni emari chikwereti chekutengesa chinoshandiswa kutenga, kuvaka kana kuvandudza imba yako.
- Iwe unogona kutora chikwereti kusvika ku $ 100 000 yemari yechikwereti chechikwereti chakashandiswa kune chimwe chinangwa pane kutenga, kuvaka kana kuvandudza imba yako.
Iyo miganhu yepamusoro inoreva kuti kana iwe ukwereta $ 200 000 kumba kwako kuti uise vana vako kuburikidza nekorojiji, kungoita mari yekutanga ye $ 100 000 zvingaderedzwa nokuti mari yaisashandiswa kutenga, kuvaka, kana kuvandudza imba yako.
Kunyangwe iwe unogona kuwana kubhadhara mutero, usatora chikwereti chekutora mutero .
Pane kudaro, chimbofunga nezvekubviswa kwemitero se "chikwata" chekunge iwe unogona kuwana chimwe chinhu chaunogona kuwana - uye ungadai watenga-kunyange dai pakanga pasina kubvisa mutero kunobatanidzwa.
Chikwata chekutora chikwereti pane motokari yako kana chikepe
Imba inotsanangurwa ne IRS se "imba, condominium, kubatirana, imba yemasasa, imba yemotokari, chikepe, kana pfuma yakafanana iyo inorara, yekubika, uye mudzimba."
Izvi zvinoreva chikwereti chaunobhadhara pane chikwereti kuti uwane motokari yemumba kana chikepe chinosangana nemitemo iri pamusoro apa mutero inobviswa. Izvo zvakanaka, asi zvakare zvakare, kubvisa mutero haisi chikonzero chekutenga zvinhu izvi.
Kutora chikwereti kune vose imba huru uye imba yechipiri (iyo inogona kunge iri chikepe kana motokari yemusha) inogona kuderedzwa kana zvose zvikwereti zvinowira pasi pemadhora emadhora ose pamusoro, uye chero bedzi misha miviri inosangana neIrS tsanangudzo yemusha. (Kana imba ichibvarirwa kunze, kunyange kune chikamu chegore, panogona kuva nemiganhu inogona kukanganisa kukwanisa kwako kubvisa chikwereti chekubhadhara mari.)
Pamitemo yakajeka ona IRS Publication 936.
Kuwana Zvakanyanya Kubhadhara Kwamahomwe Ako Chikwereti Kuchengetedza
Kana iwe usingaiti zvitsva zvekuti iwe hauna kuwana mubhadharo wemutero wekubhadhara chikwereti chido.
Kunyange kana chikwereti chako chichitsvaga mutero wakabviswa, muzviitiko zvakawanda kuderedzwa hakugone kugovera zvakakosha zvebatsiro sezvaunofunga. Semuenzaniso, iwe unotora kutora kubhadhara kwakakwana pasinei nokuti chii. Muna 2017 kuderedzwa kwakakwana kune vakaroorana vaviri ndeye $ 12,700. Pasi pemitemo mitsva yemitero, kubviswa kwema 2018 kunowedzera kuri $ 24,000 kune vakaroorana.
Funga kuti iwe wakabhadhara kubva kune zvipo zvezvipo uye mitero yehurumende yakabhadhara iyo inowedzera kusvika ku $ 8,000, uye iwe unotora chikwereti chinokwana $ 8,000.
Zvikwereti zvako zvakakonzerwa zvakakwana kusvika ku $ 16,000, iyo inongodarika $ 3 400 chete kudarika kushandiswa kwemazuva ose. Muchiitiko ichi, chikwereti chekubhadhara chikwereti chiri kupa $ 3 400 zvezvitsva zvinowedzera kudarika kushandiswa kwako. Pa25% marginal rate inokuchengetedza $ 850 muhurumende yemitero.
Kana iwe ukaita zvinyorwa izvi, sezvo chikwereti chako chemari chikweresa chiduku iwe uchabhadhara zvishoma kana zvishoma, uye mutero unobhadhara iwe unogamuchira kubva kune chikwereti chaunotora chikwereti chichava chiduku gore negore. Sezvo iwe uri pedyo nekurasikirwa, cherechedza izvi, sezvo kubhadhara chikwereti chinokwereta kunogona kunge kusina kubhadharwa nekuda kwekuva nemari yakaderera yemari. Sezvo chikamu chinowedzera, iwe uri kuwana zvishoma kubvisa kudisa. Kana iwe uine mari yekuita izvozvo zvingava zvine musoro kubhadhara chikwereti kubva makore mashomanana kare .
Kana uri kuronga kubhadhara mari yakawedzerwa pamutoro wako, yeuka chero mari yaunenge yabhadharwa isati yasvika gore risati rapera ichawedzera chikwereti chakabhadharwa mugore razvino, uye nokudaro kuwedzerwa kuderedzwa kwaunowana mugore rino.
ZVIMWE ZVAKAITIKA: 2018 mutengo wekutsvaga mutero wakapfuudzwa neCongress inounza kuchinja kukuru kune kubhadhara kwemazuva ose, mabhoksi emitero, nezvimwe zvinhu asi kubhadhara chikwereti chinowanikwa chinowanikwa munzvimbo. Zvisinei, nepamusoro-soro kubvisa chikamu, taura nemudzidzisi wemitero pamusoro pekuti izvi zvichaita sei kudzoka kwako kwe 2018.