没有人愿意付不必要的税. Tax credits are deducted from the amount of taxes you pay each year and can be valuable resources when filing. There are two types of tax credits recognized by the IRS, which include nonrefundable and refundable.1 Here are a few tax credits you should be aware of that fall under the previously mentioned categories:
家庭及附属信贷
The list of credits in the family and dependent category include the Child Tax Credit (CTC), 哪个值2美元,每个符合条件的儿童$ 000，每个符合条件的受抚养人$500.2 Other child-focused tax credits include the adoption credit and the child and dependent care credit.1 The Earned 收入 Tax Credit (EITC) is a well-known “benefit for working people with low to moderate income.”3 这一类的最后一个好处是老人或残疾人的信用, which is available for individuals who are age 65 or older at the end of 2019 or have retired on permanent and total disability and have taxable disability income.4
收入和储蓄信贷
EITC也属于收入和储蓄信贷类别, 还有储户的信贷, 也被称为退休储蓄贡献信贷. The foreign tax credit can be claimed on foreign taxes imposed by a foreign country or U.S. 占有.5 Other credits in this category include the excess Social Security and RRTA tax withheld, 未分配资本利得的税收抵免, 以及上一年最低税额的不可退还抵免.1
房主学分
如果你有房子, you may have access to credits such as the residential energy credit if you made certain “energy saving improvements to your home located in the United States.”6 F国税局t-time homebuyers can also look to their IRAs as they may be eligible to take up to $10,没有支付通常10%的提前取款罚金就撤走了. 首次购房者还有其他几个好处, 但你必须符合某些条件才能被归类为这样的人. 这对房主不利, the Tax Cuts and Jobs Act has limited the home mortgage interest commonly used as a deduction.7
卫生保健学分
作为平价医疗法案的一部分, the premium tax credit was created as a refundable credit to “help eligible individuals and families cover the premiums for their health insurance purchased through the Health Insurance Marketplace.”8 The health coverage tax credit is also available for qualifying individuals “to offset the cost of their monthly health insurance premiums.9 Keep in mind that there are specific forms you will need to fill out to be eligible for these health care credits.
教育学分
教育学分包括美国机会税收抵免(AOTC), 终身学习学分(LLC), 及学费及费用减免(TFD). The AOTC helps students pay for qualified education expenses through the f国税局t four years of higher education.10 的有限责任公司, 然而, 可以进入所有的学位级别吗, 而且你可以申请信用的年数是没有限制的.11
With so many options available for tax credits, it’s easy to miss valuable opportunities. Having a financial professional on your side is a great way to make sure you make the most of your tax plan. We can help you discover tax credits you may not be aware of and create a plan that works best for your situation. 让我们来看看今天你可能有资格享受哪些税收抵免!