Yimalini ekufuneka ndiyifumene ukunqanda ukuhlawula irhafu?
Awuqinisekanga ukuba kuya kufuneka ufake ifayile yokubuyisa kulo nyaka? Nantsi yonke into ekufuneka uyazi.
Unokuba ngumbuzo ofanelekileyo ukuba awenzi mali ingako . Ukuba ingezantsi kwento ethile Umyinge wonyaka wengeniso , Kungenzeka ukuba Akuyomfuneko ukuba ubonise . Nangona kunjalo, rhoqo kwezi meko kukho ezinye iimeko eziya kufuna ukubuya kwirhafu, njenge-inshurensi yezempilo onayo, nokuba uziqeshile okanye ulungele ukufumana ityala lerhafu.
Ufumana malini ngaphambi kokuba ucelwe ukuba ufake ifayile?
Isixa semali onokuyifumana ngaphambi kokuba ufake ifayile yokubuyisa kwirhafu I-IRS kuxhomekeke kwisimo sakho somtshato.
- Ukuba ithiwe thaca njenge ongatshatanga , Akunyanzelekanga ukuba ufake ifayile yokubuyisa ngaphandle kokuba ingeniso yakho yonyaka iphelele ubuncinci $ 12,200 , okanye $ 13,850 ukuba uneminyaka engama-65 okanye ngaphezulu.
- Ukuba ufayilisha njengokufayilwa ngokutshatileyo ngokudibeneyo okanye njengomhlolokazi ofanelekileyo, kuya kufuneka wenze njalo ukuba umvuzo wakho omncinci ubuncinci $ 24,400 ukuba omabini amaqabane aneminyaka engaphantsi kwama-65 ubudala. Ukuba elinye iqabane lineminyaka engama-65 okanye ngaphezulu kwaye elinye alikho, akukho mfuneko yokuba ufake isicelo ngaphandle kokuba umvuzo wakho ubuncinci $ 25,700 . Kwaye ukuba omabini amaqabane aneminyaka engama-65 okanye nangaphezulu, unokufumana ukuya kuthi ga $ 27,000 phambi kokungenisa isicelo.
- Ukuba ugcwalisa iifayile ezitshatileyo ngokwahlukeneyo, kuya kufuneka usoloko ubeka umvuzo opheleleyo ubuncinci be- $ 5 (hayi, ayisiyo typo!).
- Ukuba ithiwe thaca njenge intloko yosapho , Kuya kufuneka ungenise umvuzo opheleleyo ubuncinci $ 18,350 ukuba ungaphantsi kweminyaka engama-65 okanye $ 20,000 nangaphezulu ukuba uneminyaka engama-65 okanye ngaphezulu.
Ukuba ubangwa njengomntu oxhomekeke kwirhafu yomnye umntu, kukho iimfuno ezahlukeneyo, ezahluka ngokuxhomekeke ekubeni uneminyaka engama-65 okanye ngaphezulu nangaphezulu nokuba ufumene umvuzo okanye awufumananga.
Yimalini ekufuneka uyifumene ngokomgangatho womtshato?
Ke, ngaba uceba ukufaka ifayile engatshatanga (akukho qabane okanye uxhomekeke), utshatile ugcwalisa ngokudibeneyo, utshatile ugcwalise ngokwahlukeneyo, okanye intloko yekhaya? Masizidilize zonke.
Ongatshatanga
Ukuba awutshatanga kwaye ungaphantsi kweminyaka engama-65, elona xabiso lincinci lemali engenayo yonyaka onokuthi uyivelise efuna ukugcwaliswa kwerhafu $ 12,200 . Ukuba uneminyaka engama-65 okanye ngaphezulu kwaye uceba ukubonisa ungatshatanga ubuncinci bunyuka buye phezulu $ 13,850 .
Utshatile kwaye ugcwalisa imbuyekezo ngokudibeneyo
Yimalini ekufuneka uyenzile uphumelele ukuba utshatile kwaye ifayile ukubuya ngokudibeneyo kuya kuxhomekeka kwi ubudala bakho kunye neqabane lakho Ngokuphindwe kabini ukuphinda-phinda oko kufunwa ngumntu obhengeze ukuba akatshatanga. Ukuba bobabini abatshatileyo bangaphantsi kweminyaka engama-65 ubudala , kufuneka uphumelele ubuncinci $ 24,400 . Ukuba bobabini abatshatileyo baneminyaka engama-65 okanye ngaphezulu , Kuya kufuneka ufumane ubuncinci be $ 27,000 . Ukuba mnye kuphela kuni uneminyaka engama-65 okanye ngaphezulu, yahluleni umahluko; kufuneka uphumelele $ 25,700 .
Umhlolokazi ofanelekileyo
Ukuba ungumhlolokazi ofanelekileyo (Oko kukuthi, iqabane lakho liswelekile kulo nyaka werhafu) kunye nomntwana oxhomekeke kuwe, unokufaka iifayile ngokudibeneyo njengomntu otshatileyo kunye nokungafani kweminyaka kusasebenza: ubuncinci $ 24,400 ukuba ungaphantsi kweminyaka engama-65, ubuncinci $ 25,700 ukuba uneminyaka engama-65 okanye ngaphezulu.
Utshatile kwaye ugcwalisa imbuyekezo eyahlukileyo
Abo batshatileyo kwaye bafaka iifayile ngokwahlukeneyo, ngokuthakazelisayo, bafuna kuphela imali engenayo ye- $ 5 ukufaka ifayile yokubuyisela irhafu.
Umphathi wosapho
ukuba ukulungele ukuba yintloko yekhaya kwaye ufuna ifayile enjalo, kuya kufuneka ufake ifayile yerhafu ukuba uyaphumelela $ 18,350 okanye ngaphantsi kweminyaka engama-65. Ukuba uneminyaka engama-65 okanye ngaphezulu, elo nani linjalo $ 20,000 kumvuzo opheleleyo.
Ufumana malini xa uxhomekeke kuwe?
Kusenokufuneka ukuba ufake ifayile ekubuyisweni kwerhafu, nokuba ubanga ukuba uxhomekeke kuwe, kuxhomekeke kwizinto ezininzi. Kukho umvuzo owufumanayo, umvuzo ongawufumananga (elinye ixesha lokufumana umvuzo) kwaye umvuzo wakho opheleleyo, kunye nokuncinci kuzo zonke ezi zinto kuya kugqitywa yiminyaka yakho okanye nokuba awuyimfama okanye cha.
Ukuba uxhomekeke kumntu omnye phantsi kweminyaka engama-65 kwaye ungaboni, kuya kufuneka ufake ifayile yerhafu ukuba:
- Wenze ngaphezulu kwe- $ 1,100 kwingeniso engafumanekiyo
- Wenze ngaphezulu kwe- $ 12,200 kwingeniso oyifumeneyo
- Ingeniso yakho epheleleyo yayingaphezulu kwe- $ 1,100 enkulu okanye ingeniso yakho efunyenwe kwi- $ 11,850 kunye ne- $ 350
Ukuba uxhomekeke ngaphezu kweminyaka engama-65 okanye ungaboni, kuyakufuneka ufake ifayile yerhafu ukuba:
- Wenze ngaphezulu kwe- $ 2,750 kwingeniso engafumanekiyo
- Uzuze ngaphezulu kwe- $ 13,850 kumvuzo ofunyenweyo
- Ingeniso yakho epheleleyo yayingaphezulu kwe- $ 2,750 enkulu okanye ingeniso yakho efunyenwe kwi- $ 11,850 kunye ne- $ 2,000
Ukuba ungumntu oxhomekeke kuye oneminyaka engama-65 okanye ngaphezulu nangaboniyo, kuya kufuneka ufake ifayile yerhafu ukuba:
- Wenze ngaphezulu kwe- $ 4,400 kwingeniso engafumanekiyo
- Wenze ngaphezulu kwe- $ 15,500 kwingeniso oyifumeneyo
- Ingeniso yakho epheleleyo yayingaphezulu kwe- $ 4,400 yemali yakho engenayo ukuya kuthi ga kwi-11,850 yeedola kunye ne-3,650 yeedola
Ukuba ungumntu otshatileyo ongaphantsi kweminyaka engama-65 kwaye ongaboniyo, kuyakufuneka ufake ifayile yerhafu ukuba:
- Wenze ngaphezulu kwe- $ 1,100 kwingeniso engafumanekiyo
- Wenze ngaphezulu kwe- $ 12,200 kwingeniso oyifumeneyo
- Ingeniso yakho epheleleyo yayiyi- $ 5 okanye ngaphezulu kwaye iqabane lakho lifaka imbuyekezo eyahlukileyo kwaye linike ukuncitshiswa
- Ingeniso yakho epheleleyo yayingaphezulu kwe- $ 1,100 enkulu okanye ingeniso yakho efunyenwe kwi- $ 11,850 kunye ne- $ 350
Ukuba uxhomekeke emtshatweni ngaphezulu kweminyaka engama-65 okanye ungaboni, kuyakufuneka ufake ifayile yerhafu ukuba:
- Wenze ngaphezulu kwe- $ 2,400 kwingeniso engafumanekiyo
- Wenze ngaphezulu kwe- $ 13,500 kwingeniso oyifumeneyo
- Ingeniso yakho epheleleyo yayiyi- $ 5 okanye ngaphezulu kwaye iqabane lakho lifaka imbuyekezo eyahlukileyo kwaye linike ukuncitshiswa
- Ingeniso yakho epheleleyo yayingaphezulu kwe- $ 2,400 enkulu okanye ingeniso yakho efunyenwe kwi- $ 11,850 kunye ne- $ 1,650
Ukuba ungumntu oxhomekeke emtshatweni oneminyaka engama-65 okanye ngaphezulu nangaboniyo, kuya kufuneka ufake ifayile yerhafu ukuba:
- Uyenze ngaphezulu kwe- $ 3,700 kwingeniso engafumanekiyo
- Uzuze ngaphezulu kwe- $ 14,800 kumvuzo ofunyenweyo
- Ingeniso yakho epheleleyo yayiyi- $ 5 okanye ngaphezulu kwaye iqabane lakho lifaka imbuyekezo eyahlukileyo kwaye linike ukuncitshiswa
- Umvuzo wakho opheleleyo wawungaphezulu kwe- $ 3,700 enkulu okanye umvuzo wakho owawufumana ukuya kuthi ga kwi-11,850 yeedola kunye ne- $ 2,950
Ngaba kuya kufuneka ufake iifayile xa ungumfundi?
Abazali bakho banokukubanga njengomntu oxhomekeke kuwe ukuya kuthi ga kwi-19 leminyaka, ngaphandle kokuba uqhubeka nemfundo Kwimeko apho banokukubanga njengesixhomekeki ukuya kuthi ga kwi-24 yeminyaka. Ukuba bakubanga njengomntu oxhomekeke kuwe, jonga iimfuno zabantu abakhankanywe apha ngasentla ukuze ubone ukuba ingaba zilungile na. Ukuba kunjalo, kuya kufuneka ufake ifayile yerhafu.
Nokuba awunyanzelekanga ukuba ufake ifayile yokubuyisa, unokufuna ukuyivavanya. Kuxhomekeka kwimeko yakho, unokukwazi ukutsala isixa esilinganiselweyo kwiindleko zemfundo ephezulu okanye ubange iikhredithi ezithile zerhafu yemfundo ezinje ngeTyala laseMelika laseMelika.
Kutheni le nto kufuneka ubhengeze iirhafu zakho?
Nokuba awunyanzelekanga ukuba ufake ifayile yerhafu kuba umvuzo wakho awufikeleli kowona mqobo mncinci , ungafuna ukuyenza phofu. Kungenxa yokuba unokulungela ukufumana ityala elibuyiswayo.
Enye yezona mpahla zilahlekileyo zibuyisiweyo yiKhredithi yeNgeniso yeNgeniso ( I-EITC ), yenzelwe ukubonelela ngoncedo kubahlawuli berhafu abaphantsi kunye nabaphakathi. Kwi-2019, ityala linokufanelekela ukuya kuthi ga $ 6,431 .
Elinye ityala elibuyiswayo liTyala eliNgezelelweyo leRhafu yaBantwana ( UMTHETHO ). Kulo nyaka, unokufumana imbuyiselo elingana neepesenti ezili-15 zomvuzo wakho apha ngasentla $ 2,500 , kude kube $ 1,400 .
Indlela yokwazisa
Uninzi lwabarhafi lunokufikelela NgoMvulo, Tshazimpuzi 15 ukufaka iifayile zakho zerhafu ngo-2019 . Ukuba unembuyekezo elula, apho uthatha uxhuzulo oluqhelekileyo, unengeniso W-2 , ibango le-EITC okanye ityala lerhafu yomntwana kwaye unenzala encinci kunye nokwahlula-hlulwa kwengeniso, emva koko unokufanelekela ukubuyela kwirhafu elula yasimahla.
Uninzi lwabalungiselela irhafu, njenge Ithuba kwaye I-H & R ibhloko , unikezele ngenkonzo yogcino simahla.
Iphepha elichazayo ukuba awusenanto oyifunayo: Eli linqaku elinolwazi.
I-Redargentina ayiniki ngcebiso zomthetho okanye zomthetho, kwaye ayenzelwanga ukuba ithathwe njengengcebiso yezomthetho.
Umbukeli / umsebenzisi weli phepha lewebhu kufuneka asebenzise olu lwazi lungentla kuphela njengesikhokelo, kwaye kufuneka asoloko eqhakamshelana nemithombo engentla okanye abameli bakarhulumente bomsebenzisi kolona lwazi luhlaziyiweyo ngelo xesha, ngaphambi kokwenza isigqibo.
Iziqulatho
- Ufumana malini ngaphambi kokuba ucelwe ukuba ufake ifayile?
- Yimalini ekufuneka uyifumene ngokomgangatho womtshato?
- Ongatshatanga
- Utshatile kwaye ugcwalisa imbuyekezo ngokudibeneyo
- Umhlolokazi ofanelekileyo
- Utshatile kwaye ugcwalisa imbuyekezo eyahlukileyo
- Umphathi wosapho
- Ufumana malini xa uxhomekeke kuwe?
- Ngaba kuya kufuneka ufake iifayile xa ungumfundi?
- Kutheni le nto kufuneka ubhengeze iirhafu zakho?
- Indlela yokwazisa