Ekuqaleni konyaka ngamnye, abantu abaninzi abaziqeshileyo okanye abasebenzi bexeshana bayazibuza ukuba ingaba bayenzile na imali eyoneleyo yokugcwalisa irhafu. Imigaqo ngokubhekisele kumanani asezantsi emali umntu anokuyifumana ngaphandle kokufuna ukufaka irhafu yahlukile ngokuxhomekeke kubudala nakwimo yengqesho. Ngethamsanqa, akukho nzima ukufumanisa ukuba yeyiphi na imigaqo esebenzayo kwimeko yomrhafi.
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Imivuzo ichaziwe
Inkqubo ye- Inkonzo yangaphakathi yeNgeniso (IRS) ichaza 'imivuzo' njengayo nayiphi na imivuzo, imivuzo okanye iingcebiso ezihlawulwe kumntu ngokwabo (kwimeko yokuzimela) okanye ngumqeshi. Ezinye iintlobo zeentlawulo eziqwalaselwe 'njengengeniso' zibandakanya:
- Izibonelelo zexesha elide zokukhubazeka ezifunyenwe ngaphambi kweminyaka yobudala yomhlalaphantsi
- Izibonelelo zoqhankqalazo lweyuniyoni
- Ukurenta kwipropathi yakho
- Umvuzo ohlawulelwa kwangaphambili
- Iirhafu
- Imali evela kwintengiso yekhaya
- Uyifaka njani iFomu yeRhafu 4868
- Ukuncitshiswa kweRhafu
- Iingcebiso eziPhezulu zeRhafu zabaSebenzi abaSebenzayo
Ubuncinci beMfuno zeNgeniso
Ubuncinci bemali engenayo ye-IRS yahlukile ngokuxhomekeke kumvuzo opheleleyo womntu, ukufayilisha, ingqesho, ubudala kunye nenqanaba lokuxhomekeka. Ukupapashwa kwe-IRS 501 iqulethe imigaqo yokufayilisha yearhente kunye nokukhululwa.
Urhulumente ngamnye unemithetho eyahlukileyo yengeniso yeerhafu kunye neenkcazo zento emisela umvuzo. Ukongeza, amanye amazwe akahlawuli rhafu. Nxibelelana neofisi yakho yerhafu yengingqi ukuze uchonge imigaqo esebenzayo kwimeko yakho.
Abantu abaziqeshileyo
Ngo-2016, uziqeshile Abantu abanomvuzo ongaphezulu kwe- $ 400 ngonyaka kufuneka bafake iirhafu. Abaxhamli bathathwa njengabazisebenzelayo.
Abarhola imivuzo
Ukuncitshiswa komvuzo kwabo bafumana umvuzo kuyahluka ngokujonga imeko yokugcwalisa. Ukusukela ngo-2016, abantu abafumana ubuncinci izixa ezichaziweyo ngezantsi kufuneka bafake irhafu yengeniso:
- Ongatshatanga: $ 10,350
- Intloko yekhaya: $ 13,350
- Umhlolokazi: $ 16,650
- Ukutshata ngokutshata ngokudibeneyo (omabini amaqabane): $ 20,700
- Ukutshata ngokutshata ngokwahlukeneyo: $ 4,050
Abathathe umhlala-phantsi
I-IRS iseke amanqanaba aphezulu okufumana irhafu kwabo bathathe umhlala-phantsi, ngokubanzi ebavumela ukuba bafumane ngaphezulu kancinci kunabantu abangathathanga mhlala-phantsi ngaphandle kokufuna ukufaka irhafu.
Eyona ndlela yokucoceka windows ngaphandle kwemigca
Ukugcwalisa ubuncinci
Ubuncinane bemivuzo ngokwenqanaba labo bathathe umhlalaphantsi zezi zilandelayo:
| Ubume | 65 + | Ngaphantsi kwama-65 |
| Ongatshatanga | $ 11,900 + | $ 10,350 + |
| Intloko yekhaya | Ixabiso: $ 14,900 | $ 13,350 + |
| Umhlolokazi ofanelekileyo kunye nabantwana abaxhomekeke kuye | $ 17,900 + | $ 16,650 + |
| Abathathe umhlala-phantsi abatshatileyo (omnye ngaphezulu kwama-65) bagcwalisa ngokudibeneyo | $ 21,950 + | $ 21,950 + |
| Abathathe umhlala-phantsi abatshatileyo (bobabini ngaphezulu kwama-65) bagcwalisa ngokudibeneyo | $ 23,200 + | $ 23,200 + |
| Abatshatileyo bafaka iifayile ngokwahlukeneyo | $ 4,050 + (nganye) | $ 4,050 + (nganye) |
Ukuqwalaselwa koKhuseleko lweNtlalo
Kulabo bafumana izibonelelo zoKhuseleko lweNtlalo, oku kulandelayo imigaqo sebenzisa:
- Abantu abanemivuzo edibeneyo phakathi kwe- $ 25,000 kunye ne-34,000 yeedola kungafuneka bahlawule irhafu ukuya kuthi ga kwiipesenti ezingama-50 zengeniso yabo yoKhuseleko lweNtlalo
- Abantu abanomvuzo odibeneyo odlula i-34,000 yeedola banokuhlawulwa irhafu ukuya kuthi ga kwiipesenti ezingama-85 zengeniso yabo yoKhuseleko lweNtlalo
- Iifayile zokubuya ezidibeneyo kunye nemivuzo edibeneyo phakathi kwe- $ 32,000 kunye ne-44,000 yeedola kungafuneka ikhuphe irhafu ukuya kuthi ga kwiipesenti ezingama-50 zengeniso yabo yoKhuseleko lweNtlalo
- Iifayile zokubuyisela ezidibeneyo kunye nemivuzo edibeneyo engaphezu kwama-44,000 eedola kunokufuneka ikhuphe irhafu ukuya kwiipesenti ezingama-85 zengeniso yabo yoKhuseleko lweNtlalo
Abaxhomekeke kuwe
Umntu oxhomekeke kuye kufuneka enze ifayile yokubuyisa irhafu ukuba ufumene:
yintoni iplanethi iipisces ezilawulwa
- Ngaphezulu kwe- $ 6,300 ngaphezulu konyaka kumvuzo
- Ngaphezulu kwe- $ 400 kwingeniso yokuziqesha
- Ubuncinci i-950 yeedola kwingeniso yenzala.
Umntu oxhomekekileyo kufuneka naye afake irhafu ukuba ngaba umvuzo wakhe odibeneyo (umvuzo) kunye nomvuzo wenzala ungaphezulu kwe- $ 1,050 enkulu okanye umvuzo wabo awufumeneyo kunye ne- $ 350.
Ikhredithi yeRhafu yeNgeniso
I-IRS ivumela abantu abarhola umvuzo ophantsi ukuba bathathe Ufumene ityala lerhafu yengeniso (EITC) kwiirhafu zabo. Eli tyala livumela aba bantu ukuba bagcine isahlulo esiphezulu semvuzo wabo. Eli tyala lifumaneka kuphela:
iingoma eziphezulu zerock eziqinileyo ngalo lonke ixesha
- Abantu abangatshatanga abangenabantwana abafanelekileyo babanga umvuzo ophantsi kwe- $ 14,880
- Abantu ababodwa abanomntwana ofanelekileyo ababanga ukuba bafumana umvuzo ongaphantsi kwe- $ 39,296
- Abantu abanabantwana ababini abafanelekileyo babanga umvuzo ophantsi kwama- $ 44,648
- Abantu abanabantwana abathathu okanye ngaphezulu abafanelekayo babanga umvuzo ophantsi kwama- $ 47,955
Olu tshintsho lusikelwe umrhumo kubahlawuli berhafu abatshatileyo. Kule meko, umvuzo wonyaka kufuneka ube ngaphantsi kwe:
- $ 20,430 yabantu abangenabo abantwana abafanelekileyo abafunwayo
- $ 44,846 yomntwana omnye ofanelekileyo ofunwayo
- $ 50,198 yabantwana ababini abafanelekileyo abafunwayo
- $ 53,505 yabantwana abathathu okanye nangaphezulu abafanelekileyo
Ukongeza kwimida yengeniso, i-EITC ayinikezelwa kubahlawuli berhafu abafumene ngaphezulu kwe- $ 3,400 ngenzala okanye kwisahlulo sengeniso. Abantu kufuneka bagcwalise imbuyekezo yerhafu ukuze bafumane eli tyala. I-IRS Isixhobo somncedisi se-EITC kunceda abarhafi babone isixa semali mboleko abanelungelo lokufumana. Nangona kunjalo, ubuninzi bonyaka obukhoyo buxhomekeke kwinani labaxhomekeke kuwe:
- Umntu ongenabantwana abafanelekileyo unokufumana i- $ 506
- Umntu onomntwana ofanelekileyo unokufumana i- $ 3,373
- Umntu onabantwana ababini abafanelekileyo unokufumana i-5, 572 yeedola
- Umntu onabantwana abathathu okanye nangaphezulu abafanelekileyo unokufumana i-6, 269 yeedola
Ukugcwalisa ingxelo yakho yerhafu
Ngamanye amaxesha, nokuba awuzange wenze mali yaneleyo, ukugcwalisa ingxelo yerhafu lolona khetho lwakho lubalaseleyo. Emva kwayo yonke loo nto, kusenokwenzeka ukuba impendulo ye-IRS ekufayiliseni ukubuya kwakho nangona ungeniso oluncinci ayisiyonto. Ngapha koko, unokufumana ukubuyiselwa kwerhafu okanye ezinye iintlawulo ukuba ufaka ifayile yokubuyisa. Ke ngoko, ukugcwalisa kungakhokelela ekuphulukaneni nemali oyityalwayo.
Qiniseka ukuba uqhakamshelana ne-IRS okanye uthethe nengcali yerhafu ukuba uneemeko ezithile zokufumana umvuzo.
