如果您是自雇人士，您可能因您拥有的费用而被淹没，包括您的自雇税收负债。但是，您可以申请自营职业税收扣除，以减少税收缴纳的金额。

See how you can take advantage of self-employed tax relief below.

谁是自雇人士？

如果您的业务是非人法，您是自雇人士。一般而言，自营职业适用于作为企业不征税的唯一所有权，伙伴关系和有限责任公司（LLC）的企业。

自营职业税收扣除

Self-employed business expenses can add up. But once you take advantage of self-employed tax benefits, you will see a reduction in your liabilities.

You might be wondering,What can I claim for being self-employed?看看这种自营职业税收扣除列表以开始。然后，了解如何在下面申请这些自营职业扣除。

1.自营税收

Everyone who works is responsible for paying Social Security and Medicare taxes. But if you’re self-employed, your liability is extra costly.

员工支付7.65%的社保和Medicare taxes and their employer pays the other 7.65%. But because you are in business for yourself, you don’t have anyone splitting your Social Security and Medicare tax obligations with you.

When you are self-employed, you are responsible for payingself-employment tax涵盖您的社会保障和医疗保险税负债。自营税税为15.3％的工资。请记住，也有一个社会保障工资基础and additional Medicare tax that may impact your self-employment tax rate.

The thought of extra taxes might be overwhelming for many self-employed individuals. The IRS lets you deduct the employer-equivalent portion of your self-employment tax, which is 7.65%, when figuring out your adjusted gross income. Keep in mind that this self-employment tax deduction only affects your income tax.

You can find the deduction for self-employment tax on Line 57 of Form 1040. You will need to fill out and attach Schedule SE to claim this deduction.

2. Health insurance premiums

When you’re self-employed, you are responsible for obtaining your own健康保险coverage, which can get expensive.

您可以从调整后的总收​​入中扣除您为健康保险费支付的金额。您的健康保险计划必须在您的业务下建立。

健康保险扣除适用于您自己，您的配偶和家属支付的金额。但是，如果您有资格参加您的配偶的健康保险计划，您无法申请健康保险扣除。

提交您的表格1040时，请在第29行报告您的自雇健康保险扣除。

3. Home office

你可以申领家庭办公室扣除if you use part of your home for business. The expenses you can claim include mortgage interest, insurance, utilities, and repairs. However, you can only claim the expenses that apply to the portion of your home that is used solely for business operations.

有两种扣除家庭办公费用的方法：规则或简化的方法。

使用常规方法，您必须计算您的家庭办公室的实际费用。您还需要确定您的家庭办公室占用的空间百分比。然后，乘以您的费用百分比。例如，如果您的家庭办公室占房屋的10％，您可以申请10％的公用事业账单。

If your home office is less than 300 square feet, you can opt for the simplified method. Under this method, you multiply your home office’s square feet by the standard IRS rate of $5 per square foot. This means you can deduct up to $1,500 (300 X $5).

汽车

Like the home office deduction, you can claim a商业里程扣除for the business use of your car. To avoid claiming personal uses of your car, you need to keep accurate records.

您可以使用标准的里程率或实际费用方法来确定您可以申请的金额。

The standard mileage rate is a flat amount determined by the IRS. It changes each year. For 2022, the mileage deduction rate is 58.5 cents per business mile driven. Multiply your business miles by 58.5 cents.

使用实际的费用方法，您需要计算您在汽车费用上花了多少钱。然后，计算用于业务的汽车的百分比。

5. Retirement plans

如果您是自雇人士，您也可以向退休计划扣除捐款。如果您有SEP或简单的IRA，或其他合格计划，则可以扣除IRS限制。

You can claim retirement plan tax deductions on Form 1040, Line 28.

6.兴趣

在开始或运行业务时，您可能已经采取了小型商业贷款。贷款可以是为您的业务提供资金的好方法，但兴趣可以迅速积累。

您可以采取的另一种自营职业税收扣除是对商业贷款或信用卡的兴趣。

7.旅行和饭菜

对于与商业相关的旅行，您可以要求100％的旅行扣除。如果您正在旅行，可以申请50％的膳食。同样，您可以申请50％的膳食费用，如果您提供客户。

旅行费用包括交通，住宿和膳食，以及干洗。如果您正在远离家庭和普通和必要的费用，您可以在旅行扣除下进行分类费用。

8. Business insurance, licenses, and permits

如果您需要保险，许可证或您的业务许可证，则可以扣除费用。

Getting business insurance is an important part of running your business safely and legally. For example, you might decide to get general liability insurance for your business.

Obtaining business licenses and permits are also essential for running a legal operation. You can deduct business registration fees and permits. And, you can deduct licenses you need to obtain to run your business.

9.法律和专业费用

从律师和会计师这样的顾问获得专业帮助可以帮助您确保您的业务正确设置，您的财务状况在于轨道等。

您可以扣除普通，必要的合法和专业费用，并与您的业务相关。

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