Masinyaniseke: ingcinga yokwenza iirhafu zakho mhlawumbi ayiphezulu kuluhlu lwakho "lwezinto zobomi bomdali". Kodwa njengoko uphawu lwakho lukhula, ukuqonda izibophelelo zakho zerhafu kubaluleke kakhulu njengesicwangciso sakho somxholo. Ukujonga phambili ku-2026, imeko yerhafu yabadali, abaphembeleli, kunye nabadlali ababodwa iyavela. Ukuthatha inyathelo ngoku kunokukusindisa kwiintloko-kunye nezohlwayo eziqatha-kamva. Esi sikhokelo sichaza into ekufuneka uyazi, amanyathelo anokuthathwa, kunye nokuba ungazibekela njani impumelelo yezemali kulo nyaka uzayo.
Ukuqonda iSimo sakho seRhafu: Ngaba ungumntu othanda izinto ezithandwayo okanye ishishini? Lo mbuzo ubalulekileyo ulawula yonke into. I-IRS iyahlula phakathi kokuzonwabisa kunye neshishini ngokusekelwe kwinjongo yakho yenzuzo. Ukufumana eli lungelo kubalulekile kwiifayile zika-2026.
Iimpawu eziphambili zeShishini (Ayiyonto yokuzonwabisa) I-IRS ijonga izinto ezininzi. Awudingi ukubabetha bonke, kodwa ngokuqhubekayo ukubonisa indlela yokufuna inzuzo yeyona nto ibalulekileyo.
Inzuzo ehambelanayo: Ukubonisa inzuzo eseleyo ubuncinane kwi-3 kwiminyaka eyi-5 yokugqibela (kubandakanywa ne-2026) isalathisi esinamandla. Imisebenzi efana neShishini: Oku kuquka ukuba ne-akhawunti yebhanki eyahlukileyo, ukugcina iirekhodi ezineenkcukacha, ukuba nesicwangciso soshishino, nokusebenza ngenkuthalo ukwandisa ingeniso. Ixesha kunye noMgudu: Uchitha ixesha elibalulekileyo, eliqhelekileyo kumsebenzi. Ukuxhomekeka kuMvuzo: Uxhomekeke kulo mvuzo, okanye usebenza ukuze ube ngumthombo osisiseko womvuzo.
Kutheni lo Mahluko ubalulekile ngo-2026 Ukuba ulishishini, unokutsala iindleko eziqhelekileyo kunye neziyimfuneko, ezinokuthi zithobe umvuzo wakho orhafiswayo. Umvuzo wokuzilibazisa usarhafiswa, kodwa iindleko zitsalwa kuphela njengezinto ezitsalwayo kwizinto ezahlukeneyo (ezilinganiselwe kakhulu). Ngowama-2026, qinisekisa ukuba imisebenzi yakho ibonisa ngokucacileyo injongo yeshishini lakho.
Ingeniso kufuneka uyinike ingxelo ngo-2026 Njengomdali, iindlela zakho zengeniso zahlukene. I-IRS ithatha yonke into irhafiswa. Nantsi into ekufuneka uyilandele kwimbuyekezo yakho yerhafu ka-2026.
Ukuthengiswa kweBrand kunye neeNtlawulo zenkxaso: Imali, itshekhi, okanye iintlawulo ezithe ngqo zezithuba, iireli, okanye amabali. IiKhomishini zeNtengiso eziManyeneyo: Ingeniso evela kwi-Amazon Associates, i-rewardStyle/LTK, okanye ezinye iinethiwekhi ezidibeneyo. Ingeniso yentengiso: Ingeniso evela kumaqonga afana neYouTube AdSense, iTikTok Creator Fund, okanye iintengiso ezingaphakathi kuFacebook. IMveliso yeDijithali kunye neeNtengiso zeNkonzo: Ingeniso ekuthengiseni i-presets, i-e-books, izifundo, uqeqesho, okanye ubulungu. Iintlawulo zeqonga kunye neengcebiso: Imali evela kwi-Substack, Patreon, Ko-fi, Twitch, okanye iingcebiso ezibukhoma. IiMpahla kunye neeNkonzo ekuNxibeleniswa ngazo: Ixabiso lemakethi elifanelekileyo lazo naziphi na iimveliso zasimahla okanye iinkonzo ozifumanayo ngokutshintshiselana ngentengiso zithathwa njengengeniso. Loo $500 iphakheji skincare? Irhafiswa.
Ingcebiso yePro: Beka kwindawo enye yokujonga umvuzo wakho. Ukusebenzisa i-link-in-bio isixhobo esifana ne-Seemless kunokunceda ukulungelelanisa amakhonkco akho okwenza imali, okwenza kube lula ukulandelela ukuba yeyiphi imikhankaso eyenza ingeniso.
Ukutsalwa kweRhafu ephezulu kubadali boMxholo ngo-2026 Ukutsalwa kwemali ngokusemthethweni kunciphisa umvuzo wakho orhafiswayo. Gcina iirekhodi ngononophelo kunye neerisithi zazo zonke ezi ndleko.
Ukuxhuzulwa kweOfisi yeKhaya: Ukuba unendawo esetyenziswa rhoqo kwaye ngokukodwa kwishishini lakho, unokutsala inxenye yerenti yakho/yemali mboleko, izinto eziluncedo kunye ne-intanethi. Ungasebenzisa indlela eyenziwe lula (i-$ 5 ngonyawo lwesikwere, ukuya kwi-300 sq ft) okanye indlela eqhelekileyo esekelwe kwiindleko zokwenyani. Izixhobo kunye neTekhnoloji: Iikhamera, ii-microphone, ukukhanya, iikhomputha, iifowuni, kunye nokubhaliswa kwesofthiwe (i-Adobe Creative Cloud, i-Canva Pro, ii-apps zokuhlela). Iindleko zoMveliso woMxholo: Iipropu, ii-backdrops, iimpahla ezikhethekileyo, iifizi zelayisensi yomculo, kunye nemidiya yesitokhwe. Imfundo kunye noPhuhliso lobuGcisa: Iikhosi, iindibano zocweyo, iinkomfa, kunye neencwadi ezinxulumene ngqo nokuphucula izakhono zakho njengomdali. Iindleko zokuThengisa kunye nokuKhuthaza: Ukunyusa izithuba, iintengiso ezixhasiweyo kwiphepha lakho, amakhadi oshishino, kunye neentlawulo zezixhobo zoshishino ozisebenzisayo-kuquka iiplatifomu zokuhlalutya, iinkonzo zentengiso ye-imeyile, kunye nesofthiwe yokucwangcisa. IiNtlawulo zeKontraka: Ukuba uhlawula umncedisi wenyani, umhleli, okanye umzobi ongaphezulu kwe-600 yeedola ngonyaka, kuya kufuneka ubakhuphele iFomu 1099-NEC (kwaye utsale loo ntlawulo njengeendleko zeshishini).
Amanyathelo anokuSebenza ukuLungiselela iXesha leRhafu lika-2026 Sukulinda kude kube nguAprili 2027. Sebenzisa ezi sistim ngoku ukuze ugcwalise iirhafu zakho zika-2026 zingenamthungo.
1. Yahlula imali yakho Vula ishishini elizinikeleyo lokujonga iakhawunti kunye nekhadi letyala. Eli nyathelo linye lenza ukulandelela ingeniso kunye neendleko zibe lula kwaye komeleza "ishishini" lakho lokuma kunye ne-IRS.
2. Ukusebenzisa iNkqubo yokuHlawula iRhafu yeKota Ukuba ulindele ukuba unetyala le-1,000 yeedola okanye ngaphezuluiirhafu zonyaka, kusenokwenzeka ukuba kufuneka uhlawule uqikelelo lwerhafu yekota. Oku kufuneka kane ngonyaka:
Epreli 15, 2026 (yeQ1: Jan-Mar) NgoJuni 16, 2026 (yeQ2: Epreli-Meyi) NgoSeptemba 15, 2026 (yeQ3: Jun-Aug) NgoJanuwari 15, 2027 (yeQ4: Sep-Dec)
Bala ezi ngokusekelwe kwityala lakho lerhafu lonyaka ongaphambili okanye umvuzo wakho oqikelelweyo wonyaka wangoku. Ukungazifumani ezi kungakhokelela kwizohlwayo zokuhlawula ngaphantsi.
3. Khetha iSimo seShishini esiLungileyo Uninzi lwabadali luqala njenge-proprietorship yodwa (ilula, kodwa akukho khuseleko loxanduva lomntu). Njengoko ukhula, dibana nengcali yerhafu malunga nokuseka i-LLC okanye i-S-Corporation ngo-2026.
4. Tyala imali kwiZixhobo zoCwangciso-mali Sebenzisa isoftware yobalo-mali efana ne-QuickBooks Self-Employed, FreshBooks, okanye i-Wave ukuqhagamshela iiakhawunti zakho, uhlele iintengiselwano, kwaye wenze ingxelo yenzuzo nelahleko. I-spreadsheet esilula sinokusebenza ekuqaleni, kodwa i-automation isisindisi sobomi.
5. Sebenza neNgcali Qasha i-accountant okanye ingcali yerhafu eyiqondayo ingeniso yoqoqosho lomdali. Banokuqinisekisa ukuba unyusa kakhulu ukutsalwa kwemali, ufaka iifayile ngokuchanekileyo, kwaye ucwangcisela ikamva. Intlawulo yabo ikwayindleko yeshishini exhuzulwayo.
Ukujonga iirhafu njengomdali womxholo ngo-2026 kumalunga nokwamkela indima yakho njengomnini weshishini. Ngokuqonda ukuba yeyiphi ingeniso ekufuneka uyixele, zeziphi iindleko onokuzitsala, kunye nokuphumeza iinkqubo ezikrelekrele ngoku, uguqula ixesha lerhafu ukusuka kumthombo woxinzelelo ube luvavanyo lwesiqhelo kwishishini lakho elikhulayo. Khumbula, ukuhlawula irhafu kuthetha ukuba wenza imali-ngoko ke nantsi i-2026 enengeniso nelungelelaniswe kakuhle! Ngaba ukulungele ukulungelelana? Qala ngokuphonononga iindlela zakho zengeniso kwikota edlulileyo kwaye uvule iakhawunti yebhanki yeshishini eyahlukileyo. Ikamva lakho liya kukubulela.
