小型企业通常会以紧张的利润率运行,您需要就自己赚取的任何利润支付自雇,联邦和州税。如果您拥有一个limited liability company (LLC),有几种很好的方法可以减少税收。当然,管理费用将有助于您降低成本,并将良好的财务管理与这些税收节省提示相结合,这意味着您可以保留更多的钱。
1. Take Advantage of All Your Tax-Deductible Expenses
如果您花钱开展业务,则很可能您可以要求您花费的钱作为扣除额,这将减少所支付的税款。我们有一个guide to the types of business expenses you can deduct,以下是一些主要的:
- 家office expense:如果你work from home, you can deduct a portion of your household expenses according to the amount of space you use to run your business. For example, if you use 15 percent of your home exclusively for business work, you can deduct 15 percent of what you spend on electricity, gas and other utility bills.
- 维修与保养:如果你need to make repairs to your home, it is sometimes possible to expense the same percentage as what you use for your business office.
- Vehicle mileage:如果你drive for work, you can deduct some expenses for your vehicle. These do vary, and you can findmore details on vehicle expenses here。
You will need to meet certain criteria to expense certain areas, so check with your accountant on what’s deductible.
2. Get the Right Accounting Software in Place
会计软件将对您如何管理资金产生巨大的影响。它不仅会节省您的时间,还可以帮助您更有效地经营业务,并计划应付的税款。那里有很多好的会计解决方案,包括新鲜书籍,QuickBooks,Wave,Xero等。确保获取会计软件as you start your business。
3.保持银行帐户和簿记
Good accounting isn’t just important for tax season.适当的簿记和核对银行交易这意味着您将对正在进行的业务和脱颖而出有更清楚的了解。每月几次留出时间来确保您的会计软件和交易匹配将为您节省很多压力。
您只需要下载业务银行交易,将它们加载到会计软件中,并确保一切都匹配。如果您只是在会计师的桌子上放一堆收据,他们将向您收取理解和组织它们的费用,并且您可能会错过重要的扣除额。
4. File a Form 2553 to Pay Lower Taxes as an S Corporation
Under certain circumstances, you can file Form 2553 with the IRS and be被视为S公司出于税收目的。That’s a bit of a mouthful, but what it really means is that you can choose to pay yourself a “reasonable salary” that you’ll pay standard taxes on (payroll, federal and state) but you can also take “distributions” out, which you won’t pay self-employment or payroll tax on.
这里有一些限制,尤其是围绕“合理的薪水”。您还需要设置适当的工资,并向您的州收入部和美国国税局提交一些表格,但是您每年可以节省数千税。与您的会计师交谈以了解更多信息。
5.与承包商和自由职业者合作
The workforce is evolving every year to become more inclusive of独立承包商和自由职业者。您的业务也可以从与这些人合作中受益,因为您可以全年和纳税时间削减费用。
普通员工花费像您这样的公司不仅仅是他们的薪水。您将需要提供与工资税,社会保障和工人赔偿有关的加班费和健康保险以及产生费用。只有在绝对必要的情况下才能吸引全职员工,您可以将业务费用和税收保持在最低限度。
6.将钱投入退休帐户
如果你put money into certain types of retirement accounts like an IRA or traditional 401(k), then those contributions are tax-deductible, although you’ll pay tax when you withdraw the money in retirement. Depending on the type of retirement account you have, the contribution limits can be quite generous. If you don’t need the extra money now, deferring the tax by contributing it to your retirement savings can be a great option.
如果你put money into a Roth account, be aware that the contributions are taxable now, but will be tax-free when you take them out at retirement.
7.申请并按时缴税
Depending on the tax forms you need to file, you must meet deadlines set by the IRS and your state department of revenue. For example, if you’re filing an S Corporation or a partnership return, you need to have those to the IRS by the middle of March.
个人纳税申报表通常在4月中旬到期。但是,由于最近发生的冠状病毒/Covid-19大流行的事件,美国国税局将截止日期延长至2020年7月15日。
还有三个月的时间来提交您的个人退货,您应该有足够的时间去获取您的纳税申报。然而,如果你u don’t file and pay taxes on time, it’s likely you will need to pay penalties and interest, so staying organized will save you from those fees.
8. Pay Estimated Taxes Throughout the Year
You can’t wait until Tax Day to pay all your taxes for the year. Instead, you’ll need to work out how much you owe in self-employment, federal and state taxes four times a year and pay that as estimated tax. This will help you stay on top of your cash flow and means you’ll be prepared come Tax Day. It will also reduce your likelihood of underpaying and being subject to penalties.
Get Tax Filing Help with Incfile
Remember that financial and tax circumstances are unique to each individual and business. If you need further assistancefiling your business taxes, Incfile is here to help. We set out to provide business owners like you with the tools to successfully navigate today’s crowded business landscape. With our extensive resources, you’ll have a leg up on the competition.
相关阅读:2019 Tax Preparation checklist: How Does COVID – 19 Change Your Taxes.