Ndi mphindi yayikulu kwa makolo: Purezidenti Joe Biden adalengeza sabata ino kuti, kuyambira pa Julayi 15, IRS izikhala ikupereka ngongole za msonkho wa ana pamwezi kwa mabanja oyenerera ngati gawo la American Rescue Plan , yomwe cholinga chake ndi kuthandiza kuyambiranso chuma pambuyo pa zovuta za COVID-19. Koma ndani kwenikweni amene ali woyenera? Ndipo mungayembekezere kulandira zochuluka bwanji? Tili ndi mayankho a mafunso anu onse pano.
1. Ndani ali woyenerera kulandira ngongole ya msonkho?
Ngati muli ndi mwana wosakwanitsa zaka 18, mukhoza kulandira ngongole ya msonkho pamwezi. Koma, kutengera kuchuluka komwe mumapanga komanso momwe mumasungira msonkho (osakwatiwa, ophatikizana kapena mutu wabanja), kuchuluka kwanu konse kumasiyana.
Pakali pano, ngongole ya mwezi uliwonse ya msonkho wa ana ikuwoneka motere:
• Ngati ndinu wosunga fayilo imodzi wokhala ndi ndalama zonse zosinthidwa za ,000 kapena zocheperapo, ndinu oyenera kulandira ngongole yonse. Ngati ndalama zanu zikugwera pakati pa ,000 ndi 7,000 (za ana osapitirira zaka 6) ndi ,000 ndi 5,000 (kwa ana azaka zapakati pa 6 ndi 17), ndinu oyenera kupindula pang'ono.
• Ngati ndinu okwatirana omwe mukusunga limodzi, ndalama zokwana 0,000 kuti mulandire ngongole yonse. Ngati mutasinthidwa ndalama zonse zimakhala pakati pa 0,000 ndi 2,000 (za ana osapitirira zaka 6) ndi 0,000 ndi 0,000 (za ana azaka zapakati pa 6 ndi 17), ndiye kuti mukuyenerera kupindula pang'ono.
• Ngati ndinu mutu wa fayilo, muyenera kupanga ndalama zosakwana $ 112,500 kuti mulandire phindu lalikulu. Ngati ndalama zomwe mumapeza zili pakati pa 2,500 ndi 4,500 (za ana osapitirira zaka 6) ndi 2,500 ndi 2,500 (kwa ana azaka zapakati pa 6 ndi 17), ndiye kuti mukuyenerera kupindula pang'ono.
2. Kodi ndiyenera kulandira zingati?
Mabanja oyenerera adzalandira mpaka 0 pamwezi kwa mwana aliyense wosakwanitsa zaka 6 ndi 0 pamwezi kwa mwana aliyense wazaka 6 kupita pamwamba. Ndalama zomwe mabanja azilandira pachaka ndi ,600 pa mwana wosakwana zaka 6 ndi ,000 pa mwana wazaka zapakati pa 6 ndi 17. Izi zikutanthauza kuti wosunga mafayilo ophatikizana ndi ana awiri osakwana zaka 6 atha kulandira ,200 m'malipiro mpaka masika otsatira. malinga ngati ndalama zawo zikukwaniritsa zofunikira. Wofayila m'modzi wokhala ndi ana atatu? Mutha kulandira mpaka ,800 kutengera zaka ndi mabulaketi omwe mumapeza.
Kuti muwerenge ndalama zenizeni zomwe mukuyenerera, mutha kugwiritsa ntchito Intaneti mwana msonkho ngongole calculator .
3. Kodi ndimatenga bwanji ngongole yanga?
Monga momwe zimakhalira ndi macheke olimbikitsa oyambilira, malipiro azitengera kubweza kwanu kwamisonkho kwa 2020. Ngati izi sizinaperekedwebe, IRS idzagwiritsa ntchito zolemba zanu zamisonkho za 2019 ku adilesi ndi chidziwitso chachindunji cha depositi. (Adzakutumiziranso macheke a mapepala ndi makhadi a debit ngati simunagwiritse ntchito ndalama zachindunji.)
Ngati simunapereke misonkho kapena mukungofuna kusintha zomwe zili pafayilo, IRS ikukhazikitsa malo angapo apaintaneti omwe mungagwiritse ntchito kulowetsa banja lanu komanso zambiri zomwe mumapeza. (Mutha kugwiritsanso ntchito ma portal awa kuti mutuluke pakulipira pamwezi, zomwe tikufotokozera mwatsatanetsatane pansipa.)
4. Kodi ndingayembekezere kulandira liti malipiro aliwonse komanso kwa nthawi yayitali bwanji?
Malipirowo adzayamba kutuluka pa Julayi 15 ndipo adzaperekedwa pa 15 mwezi uliwonse pambuyo pake, pokhapokha ngati tsikulo likhala Loweruka ndi Lamlungu kapena tchuthi, malinga ndi dipatimenti ya Treasury.
Pofika pano, malipirowo azidzagwira kuyambira Julayi mpaka Disembala 2021. (Ngati mukuyenerera kuti mulandire ndalama zochulukirapo, mudzalandira zotsalazo kumayambiriro kwa 2022.)
5. Kodi pali phindu lililonse posiya kulipira pamwezi?
Zimatengera momwe ndalama zanu zilili. Pakali pano, pali njira ziwiri zolandirira ngongole: Mutha kulipidwa ndalama zonse zomwe zimagawidwa mukapereka msonkho wanu wa 2021 kapena mutha kutumizidwa ndalama zisanu ndi chimodzi pasadakhale, zomwe zizituluka pakati pa Julayi ndi Disembala ndi zotsala zidakulipirani mu 2022.
Patsamba lapaintaneti, mutha kuwonetsa zomwe mumakonda momwe mumalandirira. Koma ngati mukufuna kuyamba kulandira malipiro mu Julayi, mabanja omwe ali ndi mwana wochepera zaka 6, mwachitsanzo, atha kulandira ,800 (0 pamwezi) m'miyezi isanu ndi umodzi ndi yotsala (,800) ikulipidwa chaka chamawa kapena mutha kungosankha kulandira ,600 yonse mu 2022. Ngati simusintha zokonda zanu, chokhazikika ndichakuti mudzalandira malipiro apamwezi.
