Ön vállalkozó, és az emberek fizetnek, hogy dolgozzanak a pizsamában. Ez a luxus élete, de ha az adózási idő jön, akkor egy olyan világban van, és megkérdőjelezed, hogy miért is megteszed. Az adók trükkösek, azonban vannak olyan eszközök, amelyek segítségével kevésbé agonizálja a zsebkönyvét. A tervezéssel és a szorgalommal jelentősen növelheti a bankszámláján lévő pénzösszeget.
Nem vagyunk engedéllyel rendelkező adóügyvédek vagy könyvelők, ezért vegye be, hogy mi megfelel egy halom sónak, konzultáljon a megfelelő emberekkel, mielőtt bármit nagy, és nem hibáztat, ha nehézséget okoz, ha bármi, amit csinálsz. Ez a tanácsadás az Egyesült Államokra is vonatkozik. Ha megérted az Ön országának néhány technikáját, szeretnénk hallani őket a megjegyzésekben.
Beépít
A vállalkozók személyüket személyként tudják elvégezni. The business to whom you contract will get your SSN, then submit a 1099 type to the IRS that states “We paid this person $N in this year.” Ez könnyű, rendkívül kis papírmunka, valamint az emberek nagyszerű ajánlatok. Azonban sok jó oka van annak, hogy sokkal jobb lenne, ha az LLC-ként való integrálódást, valamint a saját vállalkozásoddal végzett munkáját. A legnagyobb okok a felelősség, valamint az adósság. Lényegében, ha valaki kiabálja az LLC-t, akkor a legrosszabb, ami előfordulhat, elveszíti az üzletet. Továbbá, ha az üzleti pénzügyi kötelezettséget futtat, és aztán csődbe jut, a tulajdonos nem veszíti el személyes eszközeiket. Erre nagy figyelmet fordítanak a következőkre; Ha például személyesen meg kell számolnia egy bankhitelhez. A bankok nem csak az LLC egy köteg pénzt biztosítanak anélkül, hogy olyan módszert adnának, hogy visszafizetik.
Van egy kifejezés, amelyet “az üzleti fátyol piercingének” neveznek “, ami azt jelenti, hogy néha a bíróságok meghatározhatják, hogy az LLC csak egy héj, valamint személyesen beperelhető, vagy az eszközök megragadhatók. This is why it’s important to set up a separate bank account, business cards, a web site, as well as every other determine possible to show that the business truly is a business.
Az alsó sor az, hogy ha valaki dolgozik, akkor szeretné létrehozni egy céget, hogy megvédje magát. setting one up is easy. Ez az állami irodájával történik, amely általában az államtitkár, valamint az internetes típusú, valamint az adatokat, valamint az adatokat (plusz egy éves megújulású díj). It can be performed in an hour or less. note that in California LLCs have to pay a yearly charge of $800, so if you’re a laid-back contractor, this is a steep fee. Más meghatározza, hogy ez sokkal kevesebb. Ezután az IRS webhelyére, valamint az EIN adataira kerülne. Ez az internet típusa, amely körülbelül 3 percet vesz igénybe, valamint az EIN-vel kapcsolatos e-mailt, a számot az IRS-nek történő meghatározásához használt szám.
Ezután menjen a bankba, és megnyitja az üzleti ellenőrzési számlát. Ön igényel az LLC-ről. Végül vásárolja meg domain nevét, kapjon névjegykártyákat, valamint a szokását, hogy az üzleti e-maileket minden üzleti tevékenységre használja.
Költségek
Expenses are an extremely powerful tool in saving money on taxes. In the program of doing business, you take your income, subtract your expenses, as well as that’s your profit, which is taxed. Ha növelheti költségeit, akkor kevesebb bevétele van, amely adózható. This includes lease for an office, communications (internet as well as cell phone), office supplies as well as equipment, travel for work, as well as a great deal of other things that are important in your everyday life as a contractor.
As I mentioned before, you should think about incorporating. If you are not incorporated you can still make deductions by filing your 1099 income, as well as unreported earnings on a routine C. Being incorporated covers more earnings than just 1099 as well as unreported work.
Individuals who are not incorporated as well as do not data a routine C may only deduct costs on their Schedule A by selecting to “itemize” those deductions. however the IRS offers something called “the common deduction” as well as if your itemizations are below that threshold, your costs won’t be counted individually; those expenses don’t assist reduce your tax burden.
If you have an LLC, then you can subtract the costs from the earnings directly, to ensure that what flows down to you already has the costs deducted, reducing your taxable income. You will still be able to take the common deduction in addition to this; it’s your business deducting costs as well as you as an private taking the common deduction. In other words, having an LLC means you can lower your tax burden more by taking advantage of expenses.
All of these tools are legitimate business expenses.
You can cost a great deal more than you think, as well as it’s important to keep track of it as you go. Every trip you take in your cars and truck can be expensed at 53.5 cents per mile, so keep a record of each trip. If you utilize a space in an apartment for your house office, then the fraction of your apartment’s square footage that is utilized for the office counts. Your smartphone’s expense as well as plan are a business expense, as is your Web as well as computer, as well as any type of other devices you utilize for your business (like your oscilloscope). You shouldn’t take this as well far, though; fraud is illegal, as well as the IRS gets extremely dissatisfied if you try to cost all your food, vacations, as well as other things that can’t be justified as a business expense. These are costs for the business, not for your pastime or personal use, so if you utilize something for both business as well as personal, you must only count the fraction that is utilized for business. The IRS most likely isn’t going to audit you, however if they do then you want to be able to protect the numbers you provided them.
For all expenses, make sure that you utilize your business bank account as well as keep studious records like receipts as well as mileage logs.
Benefits
If you work at a business job, you may have benefits like health and wellness insurance, a 401k with matching, as well as other perks. As an LLC you can do the exact same thing, as well as many of those are costs that aren’t taxed. Your LLC can pay for your health and wellness insurance, or if not then you can deduct the expense of your health and wellness insurance coverage on your 1040 if you are self-employed. It’s likewise possible to set up a solo 401k plan, which lets you contribute towards your retirement, as well as it lets your LLC contribute to it as well.
Számlázás
All earnings should be constructed out to your LLC as well as go directly into your business bank account. invoices that you send to your clients should have your business name on them. Make sure that the invoice includes any type of appropriate taxes. If you don’t gather taxes from your client, you’re still accountable for them, as well as it eats into your margins. every year (assuming they pay you more than $600), your clients will have to provide you a 1099 form, which states to the IRS “We paid this business $X.” Make sure that the 1099 utilizes both your business name as well as the EIN connected with your business.
Paying Yourself
Normally all the web earnings would flow with to your personal return. You will pay earnings taxes plus self-employment taxes on this income. Self-employment taxes are the medicare as well as social security taxes that would be immediately withheld at a typical job, as well as you can’t getaway them by being self-employed. You should definitely be budgeting for these taxes, as well as you’re supposed to pay the IRS quarterly estimated tax payments. This is one reason why contractors must fee a great deal more per hour than what they would make in a salaried job.
There is a neat thing that you can do if you made a decent amount of money, though: the IRS lets you data a type (2553) that enables you to elect for S-Corp taxation. This enables you to get paid two different ways; as a income as well as as a distribution. Distributions are not subject to self-employment tax. So if your LLC brings in $100k, you can pay yourself a decent income like $60k, as well as pay self-employment as well as earnings tax on that, as well as then provide yourself a distribution at the end of the year of $40k, as well as pay only earnings tax on that. You have to pay yourself a income that’s reasonable for your industry, so you can’t prevent the self-employment tax entirely, however this is a excellent method to prevent having to pay self-employment tax on ALL your income.
Final Notes
There are great deals of methods to set up your contracting business to ensure that you can save some money. They’re not particularly difficult, as well as none need a lawyer. discover about the terms hastily mentioned above as well as discover out if they are appropriate for you. talk to an accountant. have them do your taxes for you for the very first year as well as after that if it’s particularly messy. They will save you more than they cost, so it’s to your benefit, as well as the more diligent you are with record-keeping, the more you save.
Do not push the limits. You don’t get to insurance claim that taxes are unconstitutional or that your weekend getaway to Hawaii was a business cost (you can go to Hawaii for training or a conference, however any type of extra time or activities must be clearly separated as a personal költség). most likely you will data your taxes as well as the IRS will just accept them. however if something goes wrong or you push something as well far, then you can lose the business veil, or the IRS can put you with a agonizing ordeal. It may not be a full audit, however if they have a question, it’s nice to be able to response quickly as well as with certainty. keep great documentation on yÜzletünk és a személyes költségek legalább az elmúlt 6 évben. A technika az, hogy kihasználja az esélyeket, hogy megmentse, ne legyőzze őket.