Nzira dzeMitero Yebhizimisi Maduku Dzichaderedza Mitero Yako Yemutero
Cherechedza kuti dzimwe dzedzimwe nzira idzi dzinoshanda kune vanhu vari kushanda ivo chete kana kuti kubatana , vanoisa mutero wavo wekushandiswa vachishandisa T1 kudzoka kwemutero wemunhu .
( Your First Business Revenue Tax) Kudzorera kuchakutungamirira kuburikidza nekupedza iyi kudzoka.)
8 Nzira dzeMabhizimisi Matsoro
1) Gara uchiunganidza materesi emabasa akambidzana nebhizimisi.
Kumhanya bhizinesi nguva inopedza uye vamwe bhizinesi havakwanise kunetseka kuwana kana kuchengetedza mabhizimisi e "zvinhu zviduku". Zvisinei, mari yekupaka munzira yekusangana nemutengi, tsamba "shomanana" dzawakatumira, bhagi rekofi waunotora kuhofisi - zvose izvi zviduku zvinogona kuwedzerwa pamusoro pegore.
Ita kuti mari yako inobhadhara mutero iwedzere nokuunganidza mazai ezvose zvaunotenga zvinenge kana zvingave zvine chokuita nebhizimisi uye zvinyorwa uye zvichinyora zvakafanira.
Yeuka kuti Canada Revenue Agency (CRA) haigoni kubvuma zvikwereti zvekadhi rechikwereti sehupupuriro hwemari-iwe unofanira kuchengetedza maitikiti ako epakutanga kana achikumbira neRCA. ( Inguva yakareba sei uchifanira kuichengeta ?)
2) Chengetedza zvipo zvako zveRRSP uye TFSA.
Purogiramu Inonzi Registered Retirement Savings Plan (RRSP) uye Mitemo Yekuda Kubhadhara Mitero (TFSA) inonyanya kukosha Mitero Yekubhadhara Kwevaduku veMabhizimisi Makuru, kunyanya kune vadzidzisi vega kana vashandi.
Kunyangwe iwe uchifanira kuita kuti mupiro mukuru weRRSP gore negore unotarirwa kuti mari yako yakawanda inodhindwa sei gore negore.
Mitero inoshandiswa kubva muRRSP inowanikwa pamutengo wako wekutengesa uye sezvo zvimwe zvipo zvako zvose kana zvikwereti zveRRSP zvinokwanisika zvinogona kuendeswa mberi mumakore anotevera unenge uri nani kuponesa zvipo zveRRSP kwemakore zvaunotarisira mari yakakwirira.
Cherechedza kuti kana bhizinesi rako duku rakarongerwa sangano rinenge rakaoma kunzwisisa. Mipiro yeRRSP inowanikwa pamari inowanikwa kubva mubhadharo, naizvozvo kana ukasarudza kugamuchira zvimwe kana mari yako yese nenzira yezvikwereti izvi zvichaderedza kana kubvisa mupiro wako weRRSP. Ona Bhizimisi Mari Yekubhadharwa kana Zvikamu - Unofanira Kuzvibhadhara Sei?
Sezvo zita racho rinoreva, TFSA inokubvumira kuchengetedza nzvimbo yekuchengetedza uye mari yekutsvaga kubva pamitero. Kuwana uye kuonga kukuru kubva mumatokisi, zvisungo, kana zvimwe zvinotakura zvinotakura zvinotengeswa pasina mutero mukati meTFSA. Kana iwe wakanyanyisa zvipo zvako zveRRSP uye unoda nzvimbo isina mvumo yekuisa mari kana zvikwereti TFSA isarudzo yakanaka.
3) Kuwedzera kukanganisa kwako kusina mari.
Saizvozvowo, kana bhizimusi rako rine mari isina kurasikirwa (inotsanangurwa sokuti mari yako inopfuura kudarika mari yako yebhizimisi) mugore ripi neripi, funga paunogona kushandisa zvakanyanya kurashikirwa uku kuderedza mutero wako wekubhadhara musati washandisa.
Izvo zvisina kurasikirwa nemari zvinogona kushandiswa kukanganisa mamwe mapato emunhu chero ipi zvayo yemutero wemutero, inogona kutakurwa shure kwemakore matatu, kana kutungamirirwa mberi kusvika kumakore manomwe. Zvinogona kuve zvakanzwisisika kuti iwe utakure mararamiro ako asiri kureva kuti uwane mutero wemari yawakabhadhara kare, kana kuti uutakure mberi kutambisa chikwereti chikuru chemutero mune ramangwana pane zvaanoshandisa kushandisa mugore rekutere kurasikirwa kwemari kwakaitika. Ona Kuda Kwekutsvaga Kwebhizimisi Kurasikirwa paCanada Taxes .
4) Simbisa zvikwereti zvako zvekubhadhara mari.
Mipiro yezvipo kune mabhadharo akanyoreswa eCanada kana mamwe maitiro anodiwa anobhadhara iwe mvumo yemitero . Asi iwe unoziva here kuti zvipo zvezvipo zvinokwana madhora mazana maviri zvinokupa mamwe emitero yechikwereti nokuti inotarirwa pamwero wakakwirira?
Kuti uwedzere mararamiro ako emari ekubhadhara mutero, funga kupa zvakawanda kune zvakanyoreswa zvibhadharo zvaunosarudza gore rino.
Kana iwe ukaita $ 30,000 muhupfumi uye uchisarudza kupa 5% chete yemari yako, zvipo zvekubatsira zvinowana $ 1500. (Cherechedza kuti zvisiri izvo zvakanyoreswa kuCanada, zvipo zveAmerica, uye mapato ezvematongerwo enyika hazvirevi sezvipo zvekubhadhara mutero.)
5) Kuwedzera yako Capital Cost Allowance (CCA) mubhadharo wemutero.
Vakawanda vemuCanada vadzidzisi vemabhizimisi vanoziva kuti pane kungotora mutengo weimba ipi zvayo inonyangadza yavakawana kushandisa mubhizinesi ravo mune rimwe gore, vanoda kubhadhara mari yeimba inoderedza makore, kuburikidza neGuta Cost Allowance claim.
Asi vadzimai vakawanda vephizimisi havasi kuziva kuti havafaniri kutora Capital Cost Allowance mugore razvinoitika - bhizinesi rebhasi rebhizimisi raunogona kushandisa kuderedza mutero wako. ICC haisi iyo inobvumirwa kubhadhara mutero kuitira kuti iwe ushandise zvakanyanya kana zvishoma zveCCA yako kudai mugore regore rokutere sezvaunoshuva; iwe unogona kutakura chikamu chero chipi zvacho chisina kushandiswa mberi kuti ubatsire kubvisa chikwereti chikuru chemutero mune ramangwana. Hazvina musoro kuti iwe utore mari yako yakakwana yeCommunity Allowance kudai mugore raunenge usina kana mari yaunotengesa.
Chimwe chinhu chekuwedzera yako Cost Cost Allowance kuda ndekutenga (uye kutengesa) zvinhu zvako panguva yakakodzera . Iwe unoda kutenga zvinhu zvitsva musati wapera gore rako rezvemari uye wotengesa zvinhu zvekare mushure megore razvino rekubhadhara.
Zivawo, zvakare, yekutonga kwe50%; mugore raunowana pfuma, iwe unowanzogona kungotora chikamu chezana che Capital Capital Allowance chaunogona kukwanisa kutora (uye mune dzimwe nguva, mutemo "uripo wekushandisa" unoreva kuti haugoni kutora Imari Cost Allowance kusvikira mugore rechipiri mutero mushure mekunge mawana pfuma).
Dzidza zvose nezvekuverenga nekudaidza Capital Cost Allowance.
Iwe unogonawo kuverenga kuverengera Kwatingaita CCA pane Imotenga Yakatengeswa Nekushandisa Bhizinesi .
6) Gurai mari yenyu.
Iyi yemaitiro emabhizimisi emitero inokubvumira kushandisa zvakakwana maruva ekutengesa kwemafambiro akasiyana. Izvo zvinowedzera mari yako, iyo inowedzera chikamu chako chemari muCanada. Nokuendesa chikamu chekuwana mari yako kumunhu wemhuri ane mari yakaderera, yakadai semudzimai kana mwana, unogona kuderedza marginal tax rate pamari yako.
Iyi ndiyo inonyanya kukosha mutero wevatengesi vemabhizimisi maduku nevana vezera remashure-secondary school. Ngatiti iwe wakashandisa mwanasikana wako ane makore 19 mubhizimusi rako, uchimubhadhara mubhadharo we $ 10 000. Nemhaka yekusunungurwa kwemitero yemunhu pachake, aizombobhadhara mari shoma shoma, uye aizove nedendere rakanaka-yei kuti ribatsire kubhadhara dzidzo yake.
(Kana iwe wakamubhadhara mari yakaenzana nemari yekubhadhara mubhadharo, haaizobhadhara mutero zvachose!) Uye panguva iyo, "wakabvisa" $ 10 000 kubva pamari yako yegore, zvichideredza mutengo wemutero unowana iwe pachako. Verenga Kuwana Kupera Kwemabhizimisi eKanada kuti udzidze zvakawanda.
Kana iwe uine chinangwa chokushanda nhengo yemhuri mubhizinesi rako, chengeta zvaunotaura zvinonzwisisika uye uzadze mapepa ese sezvaunoda paunoshandisa chero mushandi kana kontrakta (iva navo nenzira yakakodzera kukupa iwe basa rinoitwa). Kuviga mudzimai wako / murume nokuda kwezviuru zvemadhora pamwedzi kwemaawa mashomanana ekushanda achipindura foni kana kutumira ndiyo nzira yakarurama yokukwezva kweCanada Revenue Agency uye kutora zvirevo zvako zvakarambwa.
7) Kushandisa zvizere nemari inobhadhara mitero inowanika kumabhizimisi emisha .
Iwe unoshanda bhizinesi rako kunze kweimba yako here? Kana zvisina kudaro, chii chiri kukumisa? Kunyange zvazvo isiri yebhizimisi rose rakakodzerwa nebhizimisi remba, mabhizimisi anogara kumba ane zvigaro kana zvasvika pamutero wemari .
Kunze kweKushandiswa Kwemabhizimisi-Kwekudzikunura Kwemabhizimisi , vadzidzisi vemabhizimisi vanogara mumba vanogona kutora chikamu chemari yakawanda-inoshandiswa pamusha, yakadai sehuni, magetsi, kumba kugadziriswa, zvinhu zvokuchenesa uye inshuwarisi yeimba.
Kana iwe uine imba yako, iwe unogonawo kutora zvikamu zvepfuma yako yepamusoro uye yekutora chikwereti. 6 Kubva Maererano Nebhizimisi Mitero Inobviswa Iwe Usingadi Kupotsa Ichakupa ruzivo rwezvezvekukwanisa kubhadhara mitero.
8) Kuwedzera bhizinesi rako?
Chimwe chikonzero vazhinji vasiri proprietors uye vashandi pamwe chete vanobatanidza mabhizinesi avo ndeyekubhadhara mitero yekubatanidzwa. Iyo inonyanya kuzivikanwa yezvikwereti zvemitero iyi ndiyo Kudhonza Kwemabhizimisi Maduku , apo mari yekodzero dzinochengetwa neCanada inobhadharwa kune imwe nzvimbo "yakaderedzwa" inokosha. KuCanada-inotungamirirwa nehurumende yega yega inotaurira kubhadhara kwebhizimisi shoma, iyo yekambani yemutero wekutengesa mutengo ndeye 10,5%. Kune mamwe marudzi emakambani, iyo yekambani yemutero wekutengesa mutengo ine 15%.
Zvisinei, kubatanidza bhizinesi rako semutero wekambani kunongoshanda chete kana bhizinesi rako rakakura zvakakwana kuti kuiswa kwave kwakakosha. Iwe haufaniri kunge uine mari yakawanda inowanikwa kare kubvisa mari yekubatanidzwa asi unoda kugadzirira kusiya zvakakwana zvebhizimusi rako raunowana mukambani kuti ubatsirwe nekambani yekuregererwa kwemitero.
Somuenzaniso, kana iwe ukashandisa bhizimusi rakabatanidzwa uye ruzivo rwekambani mugore rakapiwa rine $ 60,000, asi iwe unotora madhora 60 000 kubva kune imwe sangano mubhadharo, $ 60,000 yako inobva yatererwa semari yako yega (T1) yaizove ikozvino, ichiita ichi chikonzero chisina maturo. Unofanira Kuwedzera Bhizinesi Rako Duku Here? anotsanangura kubatsira uye kusakosha kwekubatanidzwa.
Tanga Kuderedza Mutero Wenyu Wemazuva Ano
Kunyange zvazvo zvisati zvese izvi zvingashanda kune rimwe bhizinesi duku, tarisiro urongwa hunoita kuti iwe ufunge pamusoro pekugadzirisa mutero . Nhamba yemutero wemari yaunobhadhara haisi iyo yakanyorwa yakanyorwa mumatombo. Pane mitemo, dzimwe nguva zvinhu zvisingakwanisi kuita zvaunogona kuita kuti uwedzere mitero yako yemutero - madiki emabhizimisi emitero maunogona kutanga kushandisa nhasi.