Kungofanirwa kujekesa, bhonasi inguva imwe chete yekodzero kana yegore rebhadharo kune mushandi kune chimwe chinangwa chakanaka. Bhonasi iyi inowedzera kubhadhara mari inopfuura yebhadharo kana kuti yehutori yebhadharo yegore.
Mabhonasi angave ari magungano, akadai sekutengesa mabhonasi kune vatengesi, kana kuti vangave varikuita zvikwereti.
Imwe rudzi rwebhonasi ibhesi yezororo chaiyo kune boka revashandi vakawana chimwe chekutengesa kana chinangwa chekugadzira kana kuti kwegore rose kubatsirwa.
Mabhonasi anowanzobhadharwa mucheki chaiyo.
Kuchenesa Vashandi VeBhonasi seBusiness Expense
Kana uine mari uye unotarisira kuita purogiramu gore rino, inguva yakanaka yekubhadhara mabhonasi kuvashandi. Mukuwedzera pakagamuchira kubhadhara mutero kwezvikwereti izvi zvinobatsira, iwe unogamuchirawo zvakawanda zvakanaka kubva kuvashandirwi, kunyanya kupoteredza mazororo.
Zivisai bhonasi sechiitiko chimwechete-nguva, saka hausi kupa chimiro chokuti iwe uchange uchipa mabhonasi gore negore. Zvinoshamisa kuti iwe paunoita chimwe chinhu kamwe; vanhu vanouya kuzotarisira. Kana iwe ukazviita kaviri, vanhu vanoiona semabasa, kwete kungova neropafadzo.
Mabhonasi inodhura mabhizimusi emari, muchikwata che "mari kune vashandi." Kana iwe ukapa mabhonasi kune vamwe vashandi uye kwete vamwe, iva nechokwadi chokuti une chikonzero chakajeka chechiyamuko ichi.
Iwe unogona kupa kupa mabhonasi ane chokuita nehutano, akasungirwa kuongororwa, somuenzaniso. Susan Heathfield, Expert Expert, ane nyaya yakanaka kwazvo pamusoro pekupa mabhonasi kuvashandi, kukubatsira kunyatsotarisisa izvi.
Mabhonasi kuHurumende / Vashandi
Mushandi / mabiko emabhonasi ibhadharo rebhizimisi rakanaka uye rinogona kuderedzwa mune zvimwe zviitiko.
Semuyenzaniso:
- S Corporations inogona kubhadhara mabhonasi kune vavanhodzi uye varidzi, chero bedzi vaine zvikamu zvavo panguva iyo bhonasi inobhadharwa.
- C Corporations inogona kungotora mabhonasi kune vashandi / veneimba vane 50 kubva muzana kana huwandu hwepamusoro panguva iyo bhonasi inobhadharwa.
Mabhonasi haabviswi deductible mari yekutengeserana chete , zvibvumirano , uye makambani asingakwanisi kubhadhara (LLCs) nokuti vadzidzisi / vashandi / nhengo dzinofungidzirwa ne IRS kuti izvishande. Ndiyo imwe mamiriro ezvinhu umo kuva nekambani uye kuva mushandi wekambani iyo ingaguma nekutorerwa kwemutero.
Mabhonasi eAtabhadharo Mari kune Vashandi
Bhizimisi dzebasa dzinogara dzichibhadhara kune vashandi sevashandi vanobatsirwa. Iwe unofanirwa kuchengetedza hurumende uye hurumende yekubhadhara mitero uye FICA mitero (Social Security neMedare) . Unofanirwawo kusanganisira bhonasi inowanikwa mukuverenga kuteresa kwemitero, Social Social maximum, uye mimwe yemutero weMedare .
Mabhonasi uye Maawa Okuwedzera
Mabhonasi anogona kuva discretionary (pakusarudza kwevanoshandira) kana kuti kwete-discretionary. Zvakakosha kuziva mutsauko, nokuti non-discretionary mabhonasi angave achida kuiswa muhuwandu hwekubhadhara nguva .
Bhonasi is discretionary kana isingatarisirwi.
Kana iwe ukapa mushandi bhonasi yekushanda pamagumo ekupedzisira kwegore, uye iwe usati ugozvipa gore negore, ndiyo discretionary. Izvo chete ndeyekuti IRS inotaura kuti mabhonasi ezororo anogona kuva discretionary, kunyange kana akapiwa gore negore.
Non-discretionary mabhonasi ndeaakagadzirirwa kumushandi, nekonesheni yemubatanidzwa, kontrakiti yebasa , kana sevashandi vebhonasi vanotarisira (kunze kwebhasi yezororo inotaurwa pamusoro apa). Kusayina bhonasi (pakusayina kontrakiti) haisi-discretionary.
Non-discretionary mabhonasi inofanira kuwedzerwa pamubhadharo wevhiki nevhiki wevashandi veawa imwechete uye kune vashandi vasingabhadharwi vanofanirwa kuwana nguva yakawanda . Semuenzaniso, ngatitii mubhadharo wemushandi wevhiki, kusanganisira bonus non-discretionary, iri $ 650, uye mushandi akashanda maawa matatu ekuwedzerwa nguva. Mushandi wenguva dzose yekubhadhara ndeye $ 15.11.
Nguva yepamusoro yepamusoro ye 50% kana $ 7.56 paawa. Iko nguva yepamusoro yepamusoro kwemaawa matatu ekuwedzera kwemaawa ndeye $ 22.67, iyo inowedzerwa pamubhadharo wenguva dzose we $ 672.67.
Kuverenga Bonus Zvikamu
Paunenge uchiverenga huwandu hwebhonasi, unofanira kutora cheki sebhadharo yenguva dzose:
- Iwe unofanirwa kuchengetedza hurumende uye hurumende inotora mitero kubva kubhonasi chekuongorora
- Unofanirwa kuverenga nekudzivirira mitero yeFICA (Social Security neMedare) kubva kumubhadhari wevashandi, uye
- Iwe unofanira kubhadhara chikamu chako chemutero weFICA semushandi.
- Iwe unofanirwawo kupa bhonasi pamwe chete nezvimwe zvipo kuvashandi paFomu 941.
Kushandiswa Kwevashandi Kuchengetedza Mabhonasi
Kana ukasarudza kupa vashandi vako bhonasi munaDecember, kana nguva ipi zvayo, unofanira kuvapa mukana wekuchinja kusabvumirwa kwavo ( paFomu W-4 ) yechibhadharo ichocho, uye kuchinjerera kumashure ekubhadhara. Vashandi vakawanda vanofarira kuchinja bhonasi yavo yekudzivirira, saka vanogamuchira zvakawanda zvebhonasi.