Chichewa · machine translation, not independently reviewed
Zochotsa za msonkho za wodziyimira: buku lathunthu la zochotsera
Anthu odziyimira amanyamula msonkho wodziyimira wonse wa 15.3% pamwamba pa msonkho wa ndalama zolowa, koma malamulo a msonkho amapereka seti yolimba ya zochotsera pamwamba pa mzere zopangidwa mwapadera kwa inu. Kugwiritsa kuchotsa kulikonse koyenerera si kukonzekera koopsa; ndi zomwe zinthu izi zilipo chifukwa chake. Kumasulira kwa makina, sikunawunikidwa paokha.
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Kuchotsa kwa msonkho wa SE ndi inshuwaransi ya thanzi
Ziwiri mwa zochotsera zamphamvu kwambiri zodziyimira zimakhala pamwamba pa mzere, osati pa Schedule C. Choyamba, mutha kuchotsa theka la msonkho wanu wodziyimira (15.3% pa 92.35% ya phindu lotsala) ngati kusintha kwa ndalama. Chachiwiri, anthu odziyimira osayenerera kuphimba kothandizidwa ndi employer amatha kuchotsa 100% ya inshuwaransi ya thanzi, mano, ndi maso yawo, ya mkazi kapena mamuna, ndi odalira. Palibe chomwe chimafuna kulemba zinthu payekha, ndipo zonse ziwiri zimachepetsa ndalama zosinthidwa ndi ngongole yonse ya msonkho.
Ofesi yakhomo ndi mailo a bizinesi
Ngati mumasunga malo a ntchito ogwiritsidwa nthawi zonse ndi mwapadera pa bizinesi, mungachotse, njira yosavuta ndi $5 pa square foot mpaka 300 sq ft (malire $1,500), kapena njira ya ndalama zenizeni imachotsa gawo lanu la ofesi yakhomo la lenti, magetsi, ndi inshuwaransi. Pa ulendo wa bizinesi, mtengo wokhazikika wa mailo wa 2026 ndi $0.76 pa mailo (Julayi–Disembala 2026; $0.725 Januwale–Juni), wophimba mafuta, kutsika kwa mtengo, kukonza, ndi inshuwaransi. Sungani log ya nthawi yomweyo, tsiku, poyambira, komwe mukupita, ndi cholinga cha ulendo uliwonse. Muyeso womangidwanso kenako ndi umboni wofooka.
Zoyikidwa za penshoni: chida chachikulu kwambiri
Kuyika ku Solo 401(k) kapena SEP IRA kumachepetsa ndalama zomangidwa msonkho dola pa dola. SEP IRA imalola pafupifupi 20% ya phindu lodziyimira, mpaka $72,000 ya 2026; Solo 401(k) imagwirizanitsa magawo a wogwira ntchito ndi employer ndipo ingalole zambiri pa ndalama zapakati. Zoyikidwa izi zimachepetsa ndalama zomwe msonkho wa ndalama zolowa ndi msonkho wodziyimira amawerengedwapo, kuwonjezera phindu. Zoyikidwa ziyenera kupangidwa pofika tsiku lanu lomaliza lopereka msonkho (kuphatikiza kukulitsa); yambani msanga kuti mufikitse zomwe mungayike. Kulembetsa pa Gigaverse sikumatsegula akaunti zo lero.
Zomwe sizichotsedwa ndi momwe musunge zolemba zoyera
Zakudya payekha popanda kukambirana kolembedwa kwa bizinesi, kupita ku ntchito, zovala payekha (pokhapokha yunifolomu yosayenera kuvala tsiku lililonse), ndi ndalama za hobby popanda cholinga chomveka cha phindu sizichotsedwa. IRS imayembekezera zolemba za nthawi yomweyo, zolemba pogula zolembedwa cholinga cha bizinesi, log ya mailo ya tsiku lililonse, ndi kulekanitsa komveka pakati pa akaunti za banki za bizinesi ndi za payekha. Zochotsera zimachepetsa phindu lotsala, kutsitsa msonkho wa ndalama zolowa ndi msonkho wa SE. Gigaverse imagawa ndalama za bizinesi ndipo imayerekeza misonkho ya kotara panthawi yeniyeni, izi ndi muyeso, osati upangiri wa msonkho.
Mafunso omwe amafunsidwa kawirikawiri
Kodi anthu odziyimira amatha kuchotsa inshuwaransi ya thanzi?
Inde. Ngati ndinu wodziyimira ndipo simuyenerera kuphimba kudzera pa mkazi kapena mamuna kapena employer wanu (pa ntchito ya W-2 yosagwirizana), mutha kuchotsa 100% ya inshuwaransi ya chipatalo, mano, ndi maso yanu ndi ya banja lanu. Imachepetsa ndalama zosinthidwa ndipo imagwira ntchito ngakhale simulemba zinthu payekha, koma singapose phindu lanu lodziyimira.
Kuchotsa kwa msonkho wa SE kumasunga zingati?
Msonkho wodziyimira ndi 15.3% pa 92.35% ya phindu lotsala, ndipo mutha kuchotsa theka la msonkho wa SE ngati kusintha pamwamba pa mzere. Pa phindu lotsala la $50,000, msonkho wa SE ndi pafupifupi $7,065 ndipo theka, pafupifupi $3,533, limachotsedwa, kusunga mtengo wanu wa msonkho wa ndalama zolowa wogwiritsidwa pa $3,533. Gigaverse imayerekeza izi panthawi yeniyeni, muyeso, osati upangiri wa msonkho.
Ndi akaunti iti ya penshoni yabwino kwa munthu wodziyimira?
Zimadalira ndalama ndi zingati mukufuna kuyika. SEP IRA ndi yosavuta ndipo imalola pafupifupi 20% ya phindu lodziyimira, mpaka $72,000 ya 2026. Solo 401(k) ingalole zoyikidwa zazikulu kwa omwe amapeza zambiri kudzera mu magawo ake a wogwira ntchito ndi employer. Zonse ziwiri zimachepetsa ndalama zomangidwa msonkho; funsani katswiri wa msonkho kusankha. Kulembetsa sikuzitsegula lero.
Ntchito zina
Maphunziro okha, si upangiri wa msonkho, wa malamulo, kapena wa ndalama zoyika. Gigaverse si banki ndipo si mlangizi wolembetsedwa wa ndalama zoyika. Brokerage, ngati akaunti ilipo, imapita kudzera pa broker-dealer wa membala wa FINRA ndi SIPC. Palibe phindu lovomerezeka. Kulembetsa ndi kwaulere, palibe ndalama zolembetsa. Kulembetsa sikumatsegula Solo 401(k), SEP IRA, kapena Roth IRA. Akaunti zo zikhalabe pa mndandanda woyembekezera. Kumasulira kwa makina, sikunawunikidwa paokha.