Izinkokhelo kanye nezintela zemali engenayo yomuntu siqu · Isifundo 2 3
Izintela ze-gig, imali, kanye nemali engenayo yokuziqasha
Yini abasebenzi abazimele abakweletayo, indlela yokubeka imali eceleni intela, lapho ukukhokha phakathi nonyaka, namarekhodi alula anciphisa imali yakho yentela.
Kuqediwe kulesi sisetshenziswa
Kulesi sifundo
Yini ozoyifunda
- Chaza ukuthi iyiphi imali engenayo okufanele ibikwe, kufaka phakathi imali, amathiphu, kanye nemali engenayo yohlelo lokusebenza lokukhokha.
- Linganisa intela yokuziqasha ngemali engenayo usebenzisa isibonelo esisebenzayo.
- Beka eceleni imali yentela futhi wazi ukuthi izinkokhelo ezilinganisiwe zekota kufanele nini.
- Gcina amarekhodi alula wemali engenayo nezindleko zebhizinisi, njenge-mileage.
Ukuthi lokhu kuxhumene kanjani namakilasi ethu: I-Module 3 ikhuluma ngemisebenzi eseceleni kanye neFomu 1099 kodwa ayifundisi intela yokuziqasha. Lesi sifundo sikhombisa izibalo ngezinombolo zangempela futhi sinika abashayeli, abahlanzekile, abanakekeli, nabanye abasebenzi abazimele uhlelo olulula lokulondoloza nokugcina amarekhodi.
Amagama okumele wazi
- Ukuziqasha (Self-employed)
- Sebenza ngokwakho esikhundleni somqashi. Akekho ogodla intela emholweni wakho.
- Inzuzo yeNet (Net profit)
- Imali engenayo yebhizinisi lakho inciphisa izindleko zebhizinisi lakho. Intela yokuziqasha isuselwa kule nombolo, hhayi kuyo yonke imali oyithathayo.
- Intela yokuqasha (Self-employment tax)
- Intela yezokuphepha kwezenhlalo kanye ne-Medicare yabantu abazisebenzela bona. Isilinganiso singama-15.3%.
- Intela elinganisiwe (Estimated tax)
- Intela oyikhokha ku-IRS phakathi nonyaka, imvamisa izikhathi ezine, lapho kungekho ntela egodliwe emalini yakho.
- Ifomu 1099-NEC (Form 1099-NEC)
- Ifomu ibhizinisi elithumela kumuntu elikhokhele ongeyena isisebenzi, elikhombisa ukuthi likhokhele malini.
- Ifomu 1099-K (Form 1099-K)
- Ifomu lokusebenza lokukhokha, izimakethe eziku-inthanethi, kanye nezicubungula zamakhadi zithumela ukubika izinkokhelo ozitholile ngezimpahla noma izinsizakalo.
- Izindleko zebhizinisi (Business expense)
- Izindleko ozikhokhelayo ukwenza umsebenzi wakho, njengezimpahla noma amakhilomitha ebhizinisi. Yehlisa inzuzo yakho.
Yonke imali engenayo ibalwa
Uma ukhokhelwa ukushayela uhlelo lokusebenza lwe-rideshare, ukuletha ukudla, ukuhlanza amakhaya, ukuluka izinwele, noma ukunakekela izingane, futhi akekho othatha intela emholweni wakho, ungase uziqashe. Lokho kusho ukuthi usebhizinisini lakho, noma ngabe kungumsebenzi wesikhashana noma ohlangothini. Kufanele ubike lokho okuholayo, noma ngabe ukhokhelwa ngokheshi, ngesheke, ngohlelo lokusebenza, noma ngamathiphu.
Okuhlukile: uma usebenza ekhaya lomndeni owodwa futhi umndeni ulawula ukuthi wenza kanjani umsebenzi, ngokwesibonelo njenge-nanny noma umgcini wendlu, ungaba yisisebenzi sasekhaya salowo mndeni esikhundleni. Buza umnikazi we-VITA uma ungaqinisekisi.
Kufanele ubike imali engenayo noma ungakaze uthole ifomu lentela. Amafomu entela yimibiko kuphela. Nakhu ongakuthola:
- Ifomu 1099-NEC kusuka ebhizinisini elikukhokhele njengomuntu ongeyena umsebenzi. Ngezinkokhelo ezenziwe ngo-2026, ibhizinisi kufanele lithumele eyodwa uma likukhokhela u- $ 2,000 noma ngaphezulu. Ngaphambi kuka-2026, inani lalingama- $ 600.
- Ifomu le-1099-K kusuka kuhlelo lokusebenza lokukhokha noma emakethe eku-inthanethi uma uthola ngaphezulu kwe- $ 20,000 yezimpahla noma izinsizakalo ezinkokhelo ezingaphezu kuka-200 ngonyaka. Uma wamukela amakhadi wesikweletu noma asebhange ngqo, ngokwesibonelo ngomfundi wekhadi, lezo zinkokhelo zamakhadi zibikwa ku-1099-K nganoma iyiphi inani.
- Ayikho ifomu nhlobo yemisebenzi eminingi yemali. Imali engenayo isabalulekile.
Imali umngane ayithumela ukuhlukanisa umthethosivivinywa wesidlo sakusihlwa, noma isipho esivela emndenini, akuyona imali yebhizinisi. Gcina izinkokhelo zomuntu siqu ngaphandle kwezinkokhelo zebhizinisi ukuze amarekhodi akho ahlale ecacile.
Kufanele ufake imbuyiselo yentela kahulumeni uma imali oyitholayo evela ekuzisebenziseni ingu- $ 400 noma ngaphezulu, noma ngabe imali yakho ephelele iphansi.
Izintela ezimbili: intela yokuqasha kanye nentela yemali engenayo
Isisebenzi sikhokha u-7.65% womholo wabo weSocial Security neMedicare, kanti umqashi ukhokha enye i-7.65%. Uma usebenza ngokwakho, ukhokha zombili izingxenye. Lokhu kubizwa ngokuthi intela yokuziqasha. Izinga lingu-15.3%: 12.4% weSocial Security kanye no-2.9% weMedicare.
Intela ayibalwa kuyo yonke imali oyithathayo. Ibalwa ku-92.35% yenzuzo yakho ye-net. Inzuzo yemali engenayo yebhizinisi lakho ngaphandle kwezindleko zebhizinisi lakho. Ungadonsa futhi uhhafu wentela yakho yokuziqasha uma ubala intela yakho yemali engenayo.
Ungase futhi ukweleta intela ejwayelekile yemali engenayo. Lokho kuncike emalini yakho ephelele, isimo sokugcwalisa, ukudonswa kanye nezikweletu. Abasebenzi abaningi abahola kancane bakweleta intela encane noma engenayo ngemuva kokudonswa okujwayelekile (ingxenye yemali engenayo engakhokhiswa intela, u- $ 16,100 kumuntu oyedwa ngo-2026), kepha basakweleta intela yokuziqasha. Izikweletu ezibuyiselwayo, njenge-Earned Income Tax Credit, zinganciphisa lokho okukweletayo noma zikubuyiselwe imali.
Ukugcwalisa nge-ITIN? Usabika imali yakho yokuziqasha. Ukuthi nawe ukweleta intela yokuziqasha kungancika ekuhlaleni kwakho kwentela, okungafani nesimo sakho sokufuduka. Cela isisebenzi sokuzithandela se-VITA ukuthi sihlole.
Isibonelo
Izinketho zamasheya zikaMarisol ngo-2025
UMarisol uhlala eLangley Park, eMaryland, futhi uhambisa ukudla ngezinhlelo zokusebenza ezimbili. Ngo-2025 izinhlelo zokusebenza zamkhokhela u- $ 26,000, kufaka phakathi amathiphu. Wayegcina irekhodi lamamayela namarisidi akhe.
| Into | Inani |
|---|---|
| Izinketho zamasheya - kufaka phakathi amathiphu | $ 26,000 |
| Amamayela ebhizinisi: amamayela angama-8,000 × namasenti angama-70 (isilinganiso se-2025 IRS) | - $ 5,600 |
| Isabelo sebhizinisi ku-akhawunti yakho yocingo | - $ 300 |
| Izikhwama zokulethwa ezifakiwe | - $ 100 |
| Inzuzo yeNet | $ 20,000 |
| Inani elingaphansi kwentela yokuziqasha: $ 20,000 × 92.35% | $ 18,470 |
| Intela yokuziqasha: $ 18,470 × 15.3% | $ 2,826 |
$ 20,000 × 92.35% × 15.3% = cishe $ 2,826
UMarisol angadonsa uhhafu walokho, cishe u- $ 1,413, lapho ebala intela yakhe yemali engenayo. Ukuthi ukweleta intela yemali engenayo, nokuthi kungakanani, kuncike kuyo yonke imbuyiselo yakhe yentela.
I-log yakhe ye-mileage yasindisa imali yakhe. Ngaphandle kwayo, inzuzo yakhe ibizoba ngu- $ 5,600 ngaphezulu, futhi intela yakhe yokuziqasha iyodwa izoba cishe ngu- $ 791 ngaphezulu.
Isilinganiso se-IRS mileage siyashintsha. Ngo-2026 ukushayela, ngamasenti angama-72.5 ngekhilomitha kusukela ngoJanuwari kuya kuJuni namasenti angama-76 ngekhilomitha kusukela ngoJulayi 1 kuya kuDisemba 31.
Beka imali eceleni ngaso sonke isikhathi lapho ukhokhelwa
Akekho othatha intela ekukhokheni kwe-gig. Uma usebenzisa konke, umthethosivivinywa wentela ungaba nzima ukukhokha. Zivikele nge-akhawunti ehlukile.
- Vula i-akhawunti yesibili kuphela ngentela. Amabhange amaningi nezinyunyana zezikweletu zinikeza ama-akhawunti okonga mahhala noma angabizi kakhulu. Bheka isifundo sethu sokuvula i-akhawunti.
- Njalo lapho ukhokhelwa, hambisa iphesenti elibekiwe kuwo. Intela yokuziqasha iyodwa icishe ibe ngu-14% wenzuzo yakho. Uma ungase ukweleta intela yemali engenayo, londoloza ngaphezulu. Ishidi lomsebenzi ku-IRS Form 1040-ES noma ivolontiya le-VITA lingakusiza ukhethe amaphesenti.
- Ungasebenzisi le mali ngezikweletu. Yenzelwe izinkokhelo zakho zentela.
- Yisebenzise ukukhokha intela yakho elinganisiwe ngesikhathi.
Inzuzo ye- $ 385 yamasonto onke × 15% = cishe i- $ 58 ngesonto, noma cishe i- $ 3,000 ngonyaka
KuMarisol, ukonga u-15% wenzuzo yakhe masonto onke kuzomboza intela yakhe yokuziqasha engaba ngu- $ 2,826, kusele okuncane.
Inkokhelo yonyaka: Intela elinganisiwe
I-IRS ilindele ukuthi ukhokhe intela phakathi nonyaka, njengoba uthola imali engenayo. Uma ulindele ukukweleta u- $ 1,000 noma ngaphezulu lapho ufaka, ngokuvamile udinga ukwenza izinkokhelo zentela ezilinganisiwe. Uma ukhokha okuncane kakhulu noma sekwephuzile kakhulu, ungase ukweleta inhlawulo, noma ngabe ubuyiselwa imali kamuva.
| Imali engenayo etholwe | Inkokhelo okufanele |
|---|---|
| Januwari 1 kuya kuMashi 31, 2026 | Ephreli 15, 2026 |
| Ephreli 1 kuya kuMeyi 31, 2026 | Juni 15, 2026 |
| Juni 1 kuya ku-Agasti 31, 2026 | Septhemba 15, 2026 |
| Septhemba 1 kuya kuDisemba 31, 2026 | Januwari 15, 2027 |
Uma usuku olubekiwe luwela ngempelasonto noma iholide, ungakhokha ngosuku olulandelayo lwebhizinisi. Ukuze ugweme inhlawulo, ngokuvamile kufanele ukhokhe okungenani i-90% yentela yalo nyaka, noma i-100% yentela yonyaka odlule (110% uma imali yakho ingaphezu kwe- $ 150,000). I-DC, iMaryland, neVirginia nazo zingalindela izinkokhelo ezilinganisiwe zentela yabo yemali engenayo.
Izindlela zokukhokha i-IRS:
- Inkokhelo Eqondile ye-IRS: mahhala, kusuka ku-akhawunti yokuhlola noma yokonga, ngaphandle kokungena ngemvume.
- I-akhawunti yakho ye-IRS online
- Ikhadi lesikweletu noma ikhadi lesikweletu: iprosesa yekhadi ikhokhisa imali.
- Imali esitolo, ngomlingani wokuthengisa ovunyelwe yi-IRS: kunemali encane nomkhawulo wenkokhelo ngayinye. Khokha okungenani izinsuku eziyi-7 ngaphambi kosuku olubekiwe. Ungakhokha futhi imali mahhala e-IRS Taxpayer Assistance Center, ngokuqokwa.
- Isheke ngeposi, elinefomu lokukhokha le-1040-ES.
Unayo umsebenzi we-W-2? Ungacela umqashi wakho ukuthi athathe intela eyengeziwe ku-Step 4 (c) ye-W-4 yakho esikhundleni sokwenza izinkokhelo ezilinganisiwe. Bheka Funda i-Pay Stub yakho bese ugcwalisa i-W-4 yakho.
Amarekhodi azokusindisa imali
Zonke izindleko zebhizinisi ongazifakazela zinciphisa inzuzo yakho. Inzuzo ephansi isho intela encane yokuziqasha kanye nentela encane yemali engenayo. Sebenzisa i-notebook yephepha noma uhlelo lokusebenza. Noma yikuphi kusebenza uma uyigcina isesikhathini.
- Imali engenayo: londoloza izifinyezo zohlelo lokusebenza nezitatimende zanyanga zonke. Bhala phansi imali namathiphu ngosuku ozithola ngalo.
- I-Mileage log: ohambweni ngalunye lomsebenzi, bhala usuku, amakhilomitha, nesizathu. Bhala phansi ukufundwa kwe-odometer yemoto yakho ekuqaleni nasekupheleni konyaka.
- Irisidi: izinto, amathuluzi, iyunifomu, imikhiqizo yokuhlanza, kanye nengxenye yebhizinisi ye-bill yakho yefoni.
- Ukupaka kanye nama-tolls ohambweni lomsebenzi. Ungadonsa lezi ngisho noma usebenzisa isilinganiso esijwayelekile se-mileage.
- I-akhawunti eyodwa yemali yebhizinisi, ngakho-ke izitatimende zakho zasebhange zisekela amarekhodi akho.
Uhambo lomuntu siqu akuzona amakhilomitha ebhizinisi. Amathikithi omgwaqo nezinye izinhlawulo azidonsiwe. Uma ufuna ukusebenzisa isilinganiso esijwayelekile samamayela emoto onayo, kufanele uyikhethe ngonyaka wokuqala osebenzisa leyo moto ebhizinisini lakho.
Gcina amarekhodi akho entela okungenani iminyaka emithathu ngemuva kokufaka.
Qaphela
Izicupho ezijwayelekile
- Ukucabanga ngemali akubalulekile. Kunjalo, ngisho nangaphandle kwefomu.
- Ukusebenzisa imali yentela. Bese umthethosivivinywa ufika ngo-Ephreli futhi ayikho imali yokuyikhokha.
- Ukungafaki ngoba awukwazi ukukhokha. Faka ngesikhathi. Inhlawulo yokugcwalisa sekwephuzile imvamisa inkulu kakhulu kunesijeziso sokukhokha sekwephuzile, futhi i-IRS inikeza izinhlelo zokukhokha.
- Ukukhokha inkampani ethembisa ukwenza isikweletu sakho sentela sinyamalale. Abaningi bakhokhisa imali enkulu ngaphambili. Ukuthola usizo lwamahhala ngesikweletu sentela noma incwadi ye-IRS, xhumana nomtholampilo wabakhokhi bentela abaphansi.
Ithiphu
Kungani imali engenayo ebikiwe ikusiza kamuva
Ukubika yonke imali oyiholayo kungabiza kakhulu, kepha kusiza ikusasa lakho. Uma unenombolo yokuphepha komphakathi, intela yokuziqasha oyikhokhelayo ithola izikweletu zokuphepha kwezenhlalo ekutholeni umhlalaphansi nokukhubazeka. Ngo-2026, u- $ 1,890 ngamunye wemali engenayo uthola isikweletu esisodwa, kuze kufike kumakhredithi amane ngonyaka.
Izimbuyiselo zakho zentela nazo ziwubufakazi bemali engenayo. Abanikazi bezindlu, ababolekisi, kanye nezinye izinhlelo zibacela lapho uqasha ifulethi, ufaka isicelo semalimboleko, noma ulungiselela ukubolekwa kwemali. Imali engenayo ongakaze uyibike ayikwazi ukukusiza ngaleso sikhathi.
Izinto ezibalulekile
- Yonke imali engenayo ibalulekile, kufaka phakathi imali namathiphu, noma ngabe ungakaze uthole ifomu 1099.
- Intela yokuziqasha ingu-15.3% we-92.35% yenzuzo yakho, noma cishe i-14% yenzuzo yakho.
- Hambisa ingxenye yenkokhelo ngayinye ku-akhawunti ehlukile yokonga intela.
- Uma ulindele ukukweleta u- $ 1,000 noma ngaphezulu, khokha intela elinganisiwe phakathi nonyaka, imvamisa izikhathi ezine.
- Amarekhodi amakhilomitha akho nezindleko anciphisa inzuzo yakho, futhi lokho kunciphisa intela yakho.
Hlola ukuqonda kwakho
Phendula imibuzo, bese ukhetha Hlola izimpendulo zami. Thola 4 5 ilungelo ukuqedela lesi sifundo. Awukho umkhawulo wesikhathi, futhi asigcini izimpendulo zakho.
Qhubekela phambili
Amawebhusayithi athembekile lapho ungafunda khona kabanzi. Lezi zixhumanisi ziya kwamanye amawebhusayithi angasebenzi yi-Dollar Scholars.
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Isikhungo Sentela Yezomnotho We-Gig (Enye iwebhusayithi)
Imininingwane ye-IRS yabasebenzi abasuselwa kuhlelo lokusebenza nabanye abasebenzi be-gig ngokubika imali engenayo, izindleko, nokukhokha intela.
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Centro de ayuda tributaria para la economía compartida (Enye iwebhusayithi)
Isikhungo Sentela Ye-IRS Gig Economy NgesiSpanishi
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Izintela ezilinganisiwe (Enye iwebhusayithi)
Ubani okufanele akhokhe intela elinganisiwe, indlela yokugwema inhlawulo, nezindlela zokukhokha.
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Ukukhokha okuqondile nge-akhawunti yasebhange (Enye iwebhusayithi)
Khokha intela elinganisiwe noma ibhalansi ngenxa ye-IRS mahhala kusuka ku-akhawunti yokuhlola noma yokonga.
Lesi sifundo yimfundo ejwayelekile yezezimali, hhayi iseluleko sezomthetho, sentela noma sezezimali. Imithetho nemali iyashintsha, ngakho-ke hlola izinombolo ezibalulekile ngomthombo osemthethweni.