Uyenza njani iirhafu okokuqala. Ukugcwalisa irhafu okokuqala kunokuba luxinzelelo. Kodwa ukulungelelana kunokulunciphisa uxinzelelo lwakho. Ukwazi ukuba ngawaphi amaxwebhu kunye nezinto oza kuzifuna yindawo elungileyo ukuqala, ngakumbi ukuba ukhathazekile ngokushiya ulwazi oluphambili. Ukuba ulungiselela ukugcwalisa ingxelo yakho yerhafu, nalu ulwahlulo lwamaxwebhu oya kuyidinga.
1. Iifom zengeniso
Ukugcwalisa ukubuya kwakho kwirhafu, kuya kufuneka ukhuphe zonke iifom zerhafu ezibonisa ukuba yimalini oyifumene kunyaka ophelileyo. Kuya kufuneka uphendule ngayo yonke ingeniso yakho ehlawulelwa irhafu, kubandakanya ingeniso evela ekuzisebenzeleni, izibonelelo zokungaqeshwa, kunye nayiphi na inzala oyifumeneyo kwiakhawunti yotyalo-mali okanye yokonga.
Ukuba ubuqeshwe kunyaka ophelileyo werhafu, ulwazi ngomvuzo wakho nakumvuzo wakho liza kuvela kwi ifom W-2 . Ingeniso evela kumdla, kwisahlulo, okanye ekuzisebenzeleni ichazwe kwi Ifom 1099 . Nabani na okhupha ezi fom makazithumele nge-imeyile ekupheleni kukaJanuwari. Ke ngoko, kuya kufuneka ugcine iso kwibhokisi yakho yeposi.
Xa ufumana ifom ye-W-2 okanye ye-1099 , licebo elihle ukuphonononga kwaye uqinisekise ukuba ulwazi lwakho lomntu luchanekile. Unokufuna kwakhona ukutshatisa umvuzo ochazwe kwiifom zakho zerhafu kunye noko kwavela kumvuzo wakho wokugqibela wonyaka (okanye iirekhodi zakho ukuba uyazisebenza).
Qaphela ukuba I-IRS ufumana ikopi yayo nayiphi na iW-2 okanye 1099 oyifumanayo. Ke ngoko, kunyanzelekile ukuba uqinisekise ukuba yonke into ekwezi fom ichanekile.
2. Ingxelo yegalelo ye-IRA
Ukuba ugcina imali kwiakhawunti yomhlala phantsi YIYA E ), zimbini izizathu zokuba ube namaxwebhu abonisa oko ubufake igalelo ngexesha lerhafu. Kuqala, unokuthabatha enye okanye lonke igalelo lakho lonyaka. Kunyaka werhafu, unokuba ugcine ukuya kuthi ga kwi-5 500 yeedola kwi-IRA yemveli (okanye kwi-6 500 yeedola ukuba uneminyaka engama-50 okanye ngaphezulu). Nawuphi na umrhumo owenzayo ngefayile yomhla wokugqibela wokugcwalisa irhafu unokuncitshiswa.
Abahlanguli abafaka isandla kwiRoth IRA banokuqokelela iMboleko yeMgcini. Iikhredithi zinciphisa ityala lakho lerhafu kunyaka wedola. Kunyaka werhafu ka-2016, unokufaka ibango letyala lokugcina ukuya kuthi ga kwi-2,000 yeedola ukuba awutshatanga (okanye ukuya kuthi ga kwi-4,000 yeedola ukuba utshatile ufaka imbuyekezo yerhafu). Amandla akho okubanga ikhredithi axhomekeke kumvuzo wakho opheleleyo ohlengahlengisiweyo.
3. Iirisithi zeendleko ezitsalwayo
Ukuncitshiswa kunciphisa umvuzo wakho werhafu kunyaka. Bangalinciphisa inani lerhafu onetyala lakho okanye bandise inani lokubuyiselwa kwakho. Unokwazi ukukhupha enye okanye ezingaphezulu kwezi zinto zilandelayo kwimbuyekezo yakho yerhafu:
- Isifundo kunye nemirhumo
- Inzala yemali mboleko yomfundi
- Inzala yobambiso
- Iindleko zokuhambisa
- Iindleko zokukhangela umsebenzi
- Iindleko zeshishini ezingabuyiswanga
- Iindleko zokuhamba ngeshishini
- Iminikelo yesisa
- Iipremiyamu zeinshurensi yezempilo ukuba uziqeshile
- Iindleko zonyango
- Ukuthengisa izindlu nomhlaba okanye irhafu yepropathi yakho
Kwezinye zezi ndleko, ezinje ngemalimboleko yabafundi okanye inzala yemali mboleko ekhaya, uya kufumana ifom yerhafu ngeposi. Ukwenza ibango lokuncitshiswa, kuya kufuneka ugcine umkhondo weerisithi ezibonisa umhla weendleko, isixa, ihlawulwe kubani, kwaye yayenzelwe ntoni. Ngaphandle kwendlela efanelekileyo yamaphepha, ungangena emanzini ashushu ukuba i-IRS ithathe isigqibo sokuphicotha ukubuya kwakho.
Phinda ujonge imbuyekezo yakho yerhafu
Nje ukuba uqokelele onke amaxwebhu akho, ungaqala ukufaka amanani ekubuyiseni kwakho irhafu. Nokuba uthatha isigqibo sokufaka ifayile yakho ngombane okanye ephepheni, kuyakufuneka uqinisekise ngefom yakho yerhafu ngaphambi kokuba uyihambise. Ukulinganisa ngokungekho mthethweni okanye ukubeka idesimali kwindawo engeyiyo kunokonakalisa yonke irhafu yakho.
Iingcebiso ngokugcwalisa irhafu okokuqala
Awunakho ukuziqonda ngokupheleleyo izinto ezininzi ezibalulekileyo ebomini de uzenze okokuqala: khwela ibhayisekile yakho, ufumane umsebenzi wakho wokuqala, kwaye wenze irhafu.
Ukugcwalisa ukubuya kwakho kwerhafu yenye yezo zithethe zabantu abadala ezinokubonakala zigutyungelwe yimfihlakalo de uhlale phantsi kwifayile okokuqala.
Iindaba ezimnandi zezokuba ukugcwalisa irhafu okokuqala kuhlala kungabi nazintlungu. Malume uSam usenokude agqibe ukuhlawula wena!
Inkqubo yerhafu yengeniso iqala ngosuku lwakho lokuqala lomsebenzi, xa ugcwalisa ifom ye-W-4.
Le fomu ibandakanya iphepha lokusebenzela apho ungaxela khona ulwazi olusisiseko, nokuba utshatile okanye unabo na abantu abaxhomekeke kuwe, kwaye ufumanise ukuba ungasenza njani isicelo sebango.
Ngokusekwe kule nombolo, umqeshi wakho uya kugodla imali kuyo nganye yokuhlawula, eya kuthi irhafu yengeniso.
Unokucela ukuba imali eyongezelelweyo ibanjwe kwitsheki nganye ukuba ulindele ityala elingaphezulu kwelesiqhelo ekuya kufuneka ukuba uligqibe.
Ewe, irhafu yengeniso iqokelelwa unyaka wonke, hayi nje ngo-Epreli 15.
Ukugcwalisa ukubuyiswa kwerhafu yenye yeendlela zokuhlala kunye noMalume Sam. Ukuba awuyibambanga irhafu eyoneleyo kwimirhumo yakho ebudeni bonyaka, kuya kufuneka uhlawule imali eseleyo, kodwa ukuba akwenzi njalo, uza kubuyiselwa imali.
Kuthekani ukuba ungumntu osebenza yedwa?
Uninzi lwabazimeleyo, impendulo nguewe.
Ukuba ungusonkontileka ozimeleyo okanye umnini weshishini elincinci, kuya kufuneka uhlawule irhafu eqikelelweyo rhoqo ngekota.
Endaweni yokufumana i-W-2, abantu abaziqeshileyo bafumana iFom 1099-MISC kuye nakowuphi na umthengi oshishinayo onikezela ngembuyekezo engeyoyabasebenzi.Nge-W-2 yakho okanye i-1099-MISC isesandleni, ukulungele ukugcwalisa ukubuya kwakho kwirhafu yokuqala. Kodwa yeyiphi iFom 1040 ye-IRS ekufuneka uyifayile?
Kuxhomekeka kubunzima bemeko yakho yetax:
- I-1040EZ yeyabahlawuli berhafu abangatshatanga kwaye abangaxhomekeki kwaye akukho mboleko yobambiso enqwenela ukubanga ukuncitshiswa okuqhelekileyo.
- I-1040A yeyabantu abangatshatanga okanye abatshatileyo abanamakhaya, banabantu abaxhomekeke kuwe, kwaye bafuna ukubanga iikhredithi ezithile zerhafu okanye ukuncitshiswa, kodwa abafuni nokuchaza konke ukuncitshiswa kwabo.
- I-1040 yeyabantu abanamashishini abo, abanengeniso yerenti, okanye abafuna ukuncitshiswa.
Ziphephe ezi mpazamo zokufayilisha irhafu
I-Newbies kunye neefayile zerhafu yamagqala zenza iimpazamo eziqhelekileyo ezinokulibazisa ukubuyiselwa kwirhafu okanye ukubangela uphicotho-zincwadi lwe-IRS.
Musa ukubonisa . Ukuba uyifayile enye kwaye uzuze ngaphezulu kwe- $ 12,200 ngo-2019, kuya kufuneka ufake ifayile yerhafu. Ukuba awuyifayali, ayisiyiyo kuphela isohlwayo, kodwa ungaphulukana nembuyiselo yemali ukuba umqeshi wakho ubambe irhafu yengeniso kumvuzo wakho.
Fayilisha ukubuya ngaphandle kokufumana amaxwebhu afunekayo. Ukuba awuxeli umvuzo wakho kunye nenkcitho ngokuchanekileyo, ungaphetha uhlawula ngaphezulu okanye ngaphantsi kunoko kufanelekileyo.
Okubi nangakumbi, ukuba i-IRS ikuphicotha kwaye ifumene impazamo kwirhafu yakho, unokuhlawuliswa isohlwayo esingama-20% ngaphezulu kwayo nayiphi na irhafu onetyala lakho.
Ukusilela ekufayeleni phantsi kobume obuchanekileyo . Ukugcwaliswa phantsi kwemeko engeyiyo kunokuba yindleko. Umzekelo, ukuba ungumzali ongatshatanga onomntwana oxhomekeke kuwe, kunokuba yinto engenakucaciswa ukuba ifayili iphantsi kwenqanaba elinye, elinokutsalwa okuqhelekileyo kwe- $ 12,200. Ukuba ufanelekile ukuba yintloko yekhaya, ukuba ufanelekile, uya kufumana ukuncitshiswa okungcono kwe- $ 18,350.
Sukuchaza xa unako . Ukuba unenkcitho eninzi, ukubeka izinto kunokuba yinto ekrelekrele kunokuhamba nokwehliswa okuqhelekileyo. Izinto ezinje ngeebhilidi zonyango, inzala yemali mboleko mboleko, kunye neminikelo yesisa inokongeza kwixabiso elibalulekileyo xa ifakwe kuluhlu.
Sukuxela yonke ingeniso yakho . Ukuba wenza imali ngokukhupha ngaphezulu, ukungachazi umvuzo kungakhokelela kwiingxaki nge-IRS, kwaye ngekhe ube nakho ukubanga iindleko ezinxulumene noko ezinokunciphisa intlawulo yakho yerhafu. Umzekelo, abaqhubi be-Uber banokunciphisa iindleko zokusebenza kwemoto ezifana negesi, ioyile, i-inshurensi, ukulungiswa nokunye.
Fayile irhafu ngokwakho ukuba awuqinisekanga ukuba ungayenza njani . Xa ufaka irhafu ngokuchanekileyo, ungaphulukana nemali kwaye ungene engxakini nge-IRS. Ukuba ufuna uncedo, jonga ingcali- yindlela efikelelekayo kwaye engenazintlungu yokufaka iifayile zakho ngokuchanekileyo. Kwaye kwakhona, isoftware yanamhlanje yerhafu yenza ukuba inkqubo ibe lula.
Iziqulatho