{"id":8534,"date":"2025-03-18T13:56:18","date_gmt":"2025-03-18T13:56:18","guid":{"rendered":"https:\/\/www.dztecs.com\/money\/?p=8534"},"modified":"2025-06-13T09:08:21","modified_gmt":"2025-06-13T06:08:21","slug":"%d8%a7%d9%84%d8%ae%d8%b5%d9%88%d9%85%d8%a7%d8%aa-%d8%a7%d9%84%d8%b6%d8%b1%d9%8a%d8%a8%d9%8a%d8%a9-%d9%85%d9%82%d8%a7%d8%a8%d9%84-%d8%a7%d9%84%d8%a7%d8%b9%d8%aa%d9%85%d8%a7%d8%af%d8%a7%d8%aa-%d8%a7","status":"publish","type":"post","link":"https:\/\/www.dztecs.com\/money\/%d8%a7%d9%84%d8%ae%d8%b5%d9%88%d9%85%d8%a7%d8%aa-%d8%a7%d9%84%d8%b6%d8%b1%d9%8a%d8%a8%d9%8a%d8%a9-%d9%85%d9%82%d8%a7%d8%a8%d9%84-%d8%a7%d9%84%d8%a7%d8%b9%d8%aa%d9%85%d8%a7%d8%af%d8%a7%d8%aa-%d8%a7\/","title":{"rendered":"\u0627\u0644\u062e\u0635\u0648\u0645\u0627\u062a \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629 \u0645\u0642\u0627\u0628\u0644 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f\u0627\u062a \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629: \u0645\u0627 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src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2025\/04\/image-e1742305960318-1024x471.jpg\" alt=\"\" \/ width=\"1024\" height=\"471\"><\/figure>\r\n<\/div>\r\n\r\n\r\n<p>\u0645\u0639\u064b\u0627\u060c \u062a\u064f\u0634\u0643\u0644 \u0627\u0644\u062e\u0635\u0648\u0645\u0627\u062a \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629 \u0648\u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f\u0627\u062a \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629 \u0645\u0632\u064a\u062c\u064b\u0627 \u0631\u0627\u0626\u0639\u064b\u0627 \u0644\u062a\u062c\u0631\u0628\u0629 \u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629 (\u0628\u062f\u0648\u0646 \u0633\u0639\u0631\u0627\u062a \u062d\u0631\u0627\u0631\u064a\u0629\u060c \u0648\u0644\u0643\u0646 \u0623\u064a\u0636\u064b\u0627\u060c \u0628\u0635\u0631\u0627\u062d\u0629\u060c \u0645\u0639 \u0645\u062a\u0639\u0629 \u0623\u0642\u0644). 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\u0636\u0631\u064a\u0628\u064a\u0629 \u0628\u0642\u064a\u0645\u0629 20,000 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a\u060c \u0641\u0647\u0630\u0627 \u064a\u0639\u0646\u064a \u0623\u0646\u0647 \u0633\u064a\u062a\u0645 \u0641\u0631\u0636 \u0636\u0631\u064a\u0628\u0629 \u0639\u0644\u064a\u0643 \u0639\u0644\u0649 80,000 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0628\u062f\u0644\u0627\u064b \u0645\u0646 100,000 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a. \u0623\u0645\u0631 \u0631\u0627\u0626\u0639\u060c \u0623\u0644\u064a\u0633 \u0643\u0630\u0644\u0643\u061f<\/p>\r\n\r\n\r\n\r\n<p>\u0641\u064a\u0645\u0627 \u064a\u0644\u064a \u0628\u0639\u0636 \u0627\u0644\u0623\u0645\u062b\u0644\u0629 \u0639\u0644\u0649 \u0627\u0644\u062e\u0635\u0648\u0645\u0627\u062a \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629 \u0627\u0644\u0634\u0627\u0626\u0639\u0629 \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u064f\u062e\u0641\u0651\u0650\u0636 \u062f\u062e\u0644\u0643 \u0627\u0644\u062e\u0627\u0636\u0639 \u0644\u0644\u0636\u0631\u064a\u0628\u0629:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>\u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u0642\u064a\u0627\u0633\u064a Standard deduction (\u0644\u0645\u0646 \u0644\u0627 \u064a\u064f\u0641\u0635\u0651\u0650\u0644\u0648\u0646 \u062e\u0635\u0648\u0645\u0627\u062a\u0647\u0645)\u00a0<\/li>\r\n\r\n\r\n\r\n<li>\u062e\u0635\u0645 \u0627\u0644\u0636\u0631\u0627\u0626\u0628 \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u0629 \u0648\u0627\u0644\u0645\u062d\u0644\u064a\u0629 (SALT Deduction)<\/li>\r\n\r\n\r\n\r\n<li>\u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0637\u0628\u064a\u0629 \u0648\u0637\u0628 \u0627\u0644\u0623\u0633\u0646\u0627\u0646<\/li>\r\n\r\n\r\n\r\n<li>\u0627\u0644\u0645\u0633\u0627\u0647\u0645\u0627\u062a \u0627\u0644\u062e\u064a\u0631\u064a\u0629 Charitable Contributions<\/li>\r\n\r\n\r\n\r\n<li>\u0645\u0633\u0627\u0647\u0645\u0627\u062a \u062d\u0633\u0627\u0628 \u0627\u0644\u062a\u0642\u0627\u0639\u062f Retirement Account Contributions (\u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u0642\u0627\u0639\u062f\u064a\u0629 \u0627\u0644\u0641\u0631\u062f\u064a\u0629 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 Traditional IRA\u060c \u0648401(k) \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629\u060c \u0648\u063a\u064a\u0631\u0647\u0627 \u0645\u0646 \u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0627\u0644\u0645\u0624\u062c\u0644\u0629 \u0627\u0644\u0636\u0631\u0627\u0626\u0628)<\/li>\r\n\r\n\r\n\r\n<li>\u0646\u0641\u0642\u0627\u062a \u0627\u0644\u0645\u0639\u0644\u0645 Educator Expenses<\/li>\r\n\r\n\r\n\r\n<li>\u0645\u0633\u0627\u0647\u0645\u0627\u062a \u062d\u0633\u0627\u0628 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0635\u062d\u064a (HSA Contributions)<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">\u0645\u0627 \u0647\u064a \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f\u0627\u062a \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629\u061f<\/h2>\r\n\r\n\r\n\r\n<p>\u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f\u0627\u062a \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629 (Tax Credits) \u0647\u064a \u0628\u0645\u062b\u0627\u0628\u0629 \u0628\u0637\u0627\u0642\u0629 \u0647\u062f\u0627\u064a\u0627 \u0644\u0636\u0631\u0627\u0626\u0628\u0643 &#8211; \u0641\u0647\u064a \u062a\u062e\u0641\u0636 \u0641\u0627\u062a\u0648\u0631\u0629 \u0627\u0644\u0636\u0631\u0627\u0626\u0628 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u062f\u0648\u0644\u0627\u0631\u064b\u0627 \u0645\u0642\u0627\u0628\u0644 \u062f\u0648\u0644\u0627\u0631 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0637\u0631\u062d \u0645\u0628\u0644\u063a \u0631\u0635\u064a\u062f\u0643 \u0645\u0646 \u0641\u0627\u062a\u0648\u0631\u0629 \u0627\u0644\u0636\u0631\u0627\u0626\u0628. \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u0625\u0630\u0627 \u0643\u0646\u062a \u0645\u062f\u064a\u0646\u064b\u0627 \u0628\u0645\u0628\u0644\u063a 3,000 \u062f\u0648\u0644\u0627\u0631 \u0643\u0636\u0631\u0627\u0626\u0628 \u0648\u062d\u0635\u0644\u062a \u0639\u0644\u0649 \u0631\u0635\u064a\u062f \u0642\u062f\u0631\u0647 2,000 \u062f\u0648\u0644\u0627\u0631\u060c \u0641\u0625\u0646 \u0641\u0627\u062a\u0648\u0631\u0629 \u0627\u0644\u0636\u0631\u0627\u0626\u0628 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u062a\u0646\u062e\u0641\u0636 \u062a\u0644\u0642\u0627\u0626\u064a\u064b\u0627 \u0625\u0644\u0649 1,000 \u062f\u0648\u0644\u0627\u0631.<\/p>\r\n\r\n\r\n\r\n<p>\u0643\u0644\u0645\u0627 \u0632\u0627\u062f\u062a \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0637\u0627\u0644\u0628 \u0628\u0647\u0627\u060c \u0642\u0644\u0651 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0630\u064a \u0633\u062a\u062f\u0641\u0639\u0647 \u0644\u0644\u0647\u064a\u0626\u0629 \u0627\u0644\u0639\u0627\u0645\u0629 \u0644\u0644\u0632\u0643\u0627\u0629 \u0648\u0627\u0644\u062f\u062e\u0644 \u0628\u0645\u062c\u0631\u062f \u062d\u0644\u0648\u0644 \u064a\u0648\u0645 \u0627\u0644\u0636\u0631\u064a\u0628\u0629. \u0628\u0639\u0636 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f\u0627\u062a \u0647\u064a <em>\u0627\u0639\u062a\u0645\u0627\u062f\u0627\u062a \u0645\u0633\u062a\u0631\u062f\u0629 (refundable credits)<\/em>\u060c \u0645\u0645\u0627 \u064a\u0639\u0646\u064a \u0623\u0646\u0647 \u0642\u062f \u064a\u0646\u062a\u0647\u064a \u0628\u0643 \u0627\u0644\u0623\u0645\u0631 \u0628\u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0628\u0639\u0636 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0645\u0646 \u0627\u0644\u062d\u0643\u0648\u0645\u0629 \u0643\u062c\u0632\u0621 \u0645\u0646 \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u0636\u0631\u0627\u0626\u0628 \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0645\u0628\u0644\u063a \u0647\u0630\u0647 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f\u0627\u062a \u0623\u0643\u0628\u0631 \u0645\u0646 \u0641\u0627\u062a\u0648\u0631\u0629 \u0627\u0644\u0636\u0631\u0627\u0626\u0628 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643.<\/p>\r\n\r\n\r\n\r\n<p>\u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u062f\u062e\u0644\u0643 \u0623\u0648 \u0639\u0645\u0631\u0643 \u0623\u0648 \u062d\u0627\u0644\u062a\u0643 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629\u060c \u0647\u0646\u0627\u0643 \u0627\u0644\u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f\u0627\u062a \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u062a\u0645\u0643\u0646 \u0645\u0646 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0628\u0647\u0627 \u0641\u064a \u0627\u0644\u0625\u0642\u0631\u0627\u0631 \u0627\u0644\u0636\u0631\u064a\u0628\u064a \u0627\u0644\u062e\u0627\u0635 \u0628\u0643. \u0641\u064a\u0645\u0627 \u064a\u0644\u064a \u0628\u0639\u0636 \u0623\u0643\u062b\u0631 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f\u0627\u062a \u0634\u064a\u0648\u0639\u064b\u0627:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>\u0631\u0635\u064a\u062f \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0645\u0643\u062a\u0633\u0628 (Earned Income Tax Credit &#8211; EITC)<\/li>\r\n\r\n\r\n\r\n<li>\u0627\u0644\u0625\u0639\u0641\u0627\u0621 \u0627\u0644\u0636\u0631\u064a\u0628\u064a \u0644\u0644\u0623\u0637\u0641\u0627\u0644 (Child Tax Credit)<\/li>\r\n\r\n\r\n\r\n<li>\u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0627\u0644\u0636\u0631\u064a\u0628\u064a \u0644\u0644\u0641\u0631\u0635\u0629 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0629 (American Opportunity Tax Credit)<\/li>\r\n\r\n\r\n\r\n<li>\u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0627\u0644\u0636\u0631\u064a\u0628\u064a \u0644\u0644\u062a\u0639\u0644\u0645 \u0645\u062f\u0649 \u0627\u0644\u062d\u064a\u0627\u0629 (Lifetime Learning Tax Credit)<\/li>\r\n\r\n\r\n\r\n<li>\u0631\u0635\u064a\u062f \u0645\u0633\u0627\u0647\u0645\u0627\u062a \u0645\u062f\u062e\u0631\u0627\u062a \u0627\u0644\u062a\u0642\u0627\u0639\u062f (Saver\u2019s Credit)<\/li>\r\n\r\n\r\n\r\n<li>\u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0627\u0644\u0636\u0631\u064a\u0628\u064a \u0627\u0644\u0623\u062c\u0646\u0628\u064a (Foreign Tax Credit)<\/li>\r\n\r\n\r\n\r\n<li>\u0631\u0635\u064a\u062f \u0631\u0639\u0627\u064a\u0629 \u0627\u0644\u0623\u0637\u0641\u0627\u0644 \u0648\u0627\u0644\u0645\u0639\u0627\u0644\u064a\u0646 (Child and Dependent Care Credit)<\/li>\r\n\r\n\r\n\r\n<li>\u0631\u0635\u064a\u062f \u0627\u0644\u062a\u0628\u0646\u064a (Adoption Credit)<\/li>\r\n\r\n\r\n\r\n<li>\u0631\u0635\u064a\u062f \u0643\u0628\u0627\u0631 \u0627\u0644\u0633\u0646 \u0623\u0648 \u0627\u0644\u0645\u0639\u0627\u0642\u064a\u0646 (Credit for the Elderly or Disabled)<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">\u0645\u0627 \u0627\u0644\u0641\u0631\u0642 \u0628\u064a\u0646 \u0627\u0644\u062e\u0635\u0648\u0645\u0627\u062a \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629 \u0648\u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f\u0627\u062a \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629\u061f<\/h2>\r\n\r\n\r\n\r\n<p>\u0623\u0648\u0644\u0627\u064b\u060c \u064a\u0645\u0643\u0646 \u0644\u0643\u0644 \u0645\u0646 \u0627\u0644\u062e\u0635\u0648\u0645\u0627\u062a \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629 \u0648\u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f\u0627\u062a \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629 \u0623\u0646 \u062a\u0648\u0641\u0631 \u0644\u0643 \u0627\u0644\u0645\u0627\u0644 \u0639\u0644\u0649 \u0625\u0642\u0631\u0627\u0631\u0643 \u0627\u0644\u0636\u0631\u064a\u0628\u064a. \u0644\u0630\u0627 \u0643\u0644\u0627\u0647\u0645\u0627 \u0645\u0641\u064a\u062f \u0644\u0645\u062d\u0641\u0638\u062a\u0643! \u064a\u0643\u0645\u0646 \u0627\u0644\u0627\u062e\u062a\u0644\u0627\u0641\u060c \u0645\u0631\u0629 \u0623\u062e\u0631\u0649\u060c \u0641\u064a <em>\u0643\u064a\u0641\u064a\u0629<\/em> \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0645\u0627\u0644.<\/p>\r\n\r\n\r\n\r\n<p>\u0644\u0627 \u062a\u0631\u0636\u0649 \u0628\u0628\u0631\u0627\u0645\u062c \u0636\u0631\u064a\u0628\u064a\u0629 \u0628\u0631\u0633\u0648\u0645 \u0623\u0648 \u0623\u063a\u0631\u0627\u0636 \u062e\u0641\u064a\u0629. \u0627\u0633\u062a\u062e\u062f\u0645 \u0628\u0631\u0646\u0627\u0645\u062c\u064b\u0627 \u0641\u064a \u0635\u0641\u0643 &#8211; Ramsey SmartTax.<\/p>\r\n\r\n\r\n\r\n<p>\u0625\u0644\u064a\u0643 \u0627\u0644\u0641\u0631\u0642 \u0627\u0644\u0643\u0628\u064a\u0631 \u0628\u064a\u0646 \u0627\u0644\u0627\u062b\u0646\u064a\u0646: \u0628\u064a\u0646\u0645\u0627 \u062a\u062e\u0641\u0636 \u0627\u0644\u062e\u0635\u0648\u0645\u0627\u062a \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629 \u062f\u062e\u0644\u0643 \u0627\u0644\u062e\u0627\u0636\u0639 \u0644\u0644\u0636\u0631\u064a\u0628\u0629\u060c \u062a\u062e\u0641\u0636 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f\u0627\u062a \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629 \u0641\u0627\u062a\u0648\u0631\u0629 \u0627\u0644\u0636\u0631\u0627\u0626\u0628 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0643\u0644 \u062f\u0648\u0644\u0627\u0631 \u0645\u0642\u0627\u0628\u0644 \u062f\u0648\u0644\u0627\u0631.<\/p>\r\n\r\n\r\n\r\n<p>\u0644\u0646\u0648\u0636\u062d \u0644\u0643 \u0643\u064a\u0641 \u0633\u062a\u0624\u062b\u0631 \u0647\u0630\u0647 \u0627\u0644\u0627\u062e\u062a\u0644\u0627\u0641\u0627\u062a \u0639\u0644\u0649 \u0641\u0627\u062a\u0648\u0631\u0629 \u0627\u0644\u0636\u0631\u0627\u0626\u0628 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u0641\u064a \u0627\u0644\u062d\u064a\u0627\u0629 \u0627\u0644\u0648\u0627\u0642\u0639\u064a\u0629\u060c \u0646\u0642\u062f\u0645 \u0644\u0643\u0645 \u0645\u0627\u0631\u0643 \u0648\u062c\u064a\u0645\u0627. \u0641\u064a \u0639\u0627\u0645 2024\u060c \u0643\u0627\u0646 \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0644\u0647\u0630\u0627 \u0627\u0644\u0632\u0648\u062c\u064a\u0646 \u0627\u0644\u0633\u0639\u064a\u062f 150,000 \u062f\u0648\u0644\u0627\u0631\u060c \u0645\u0645\u0627 \u064a\u0636\u0639\u0647\u0645\u0627 \u0641\u064a \u0634\u0631\u064a\u062d\u0629 \u0636\u0631\u064a\u0628\u064a\u0629 \u0628\u0646\u0633\u0628\u0629 22%.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">\u0627\u0644\u0627\u0633\u062a\u0642\u0637\u0627\u0639\u0627\u062a \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629 \u062a\u062e\u0641\u0636 \u062f\u062e\u0644\u0643 \u0627\u0644\u062e\u0627\u0636\u0639 \u0644\u0644\u0636\u0631\u064a\u0628\u0629.<\/h3>\r\n\r\n\r\n\r\n<p>\u0641\u064a \u0627\u0644\u0628\u062f\u0627\u064a\u0629\u060c \u0642\u0631\u0631 \u0645\u0627\u0631\u0643 \u0648\u062c\u064a\u0645\u0627 \u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u0642\u064a\u0627\u0633\u064a\u060c \u0648\u0627\u0644\u0630\u064a \u064a\u0628\u0644\u063a 29,200 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0644\u0644\u0633\u0646\u0629 \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629 2024 \u0644\u0644\u0623\u0632\u0648\u0627\u062c \u0627\u0644\u0630\u064a\u0646 \u064a\u0642\u062f\u0645\u0648\u0646 \u0625\u0642\u0631\u0627\u0631\u064b\u0627 \u0636\u0631\u064a\u0628\u064a\u064b\u0627 \u0645\u0634\u062a\u0631\u0643\u064b\u0627. \u0628\u0639\u062f \u0637\u0631\u062d 29,200 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0645\u0646 \u062f\u062e\u0644\u0647\u0645\u0627 \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a\u060c \u064a\u0646\u062e\u0641\u0636 \u062f\u062e\u0644\u0647\u0645\u0627 \u0627\u0644\u062e\u0627\u0636\u0639 \u0644\u0644\u0636\u0631\u064a\u0628\u0629 \u0645\u0628\u0627\u0634\u0631\u0629\u064b \u0625\u0644\u0649 120,800 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a. \u0648\u0628\u0645\u0627 \u0623\u0646\u0647\u0645\u0627 \u0641\u064a \u0627\u0644\u0634\u0631\u064a\u062d\u0629 \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629 22%\u060c \u0641\u0625\u0646 \u0647\u0630\u0647 \u0627\u0644\u062e\u0637\u0648\u0629 \u062a\u0648\u0641\u0631 \u0644\u0647\u0645\u0627 6,424 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0645\u0646 \u0627\u0644\u0636\u0631\u0627\u0626\u0628 \u0644\u0644\u0633\u0646\u0629 (29,200 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u00d7 22%). \u0647\u0630\u0627 \u064a\u0639\u0627\u062f\u0644 \u062a\u0648\u0641\u064a\u0631\u064b\u0627 \u0643\u0628\u064a\u0631\u064b\u0627 \u0641\u064a \u0636\u0631\u064a\u0628\u0629 \u0627\u0644\u062f\u062e\u0644.<\/p>\r\n\r\n\r\n\r\n<p>\u0628\u0639\u062f \u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u0642\u064a\u0627\u0633\u064a\u060c \u064a\u0635\u0628\u062d \u0645\u0642\u062f\u0627\u0631 \u0627\u0644\u0636\u0631\u064a\u0628\u0629 \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u0629 \u0639\u0644\u064a\u0647\u0645\u0627 \u0644\u0644\u0633\u0646\u0629 16,682 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a&#8230; \u0648\u0644\u0643\u0646 \u0644\u0645 \u0646\u0646\u062a\u0647\u064a \u0628\u0639\u062f!<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\">\u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f\u0627\u062a \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629 \u062a\u062e\u0641\u0636 \u0641\u0627\u062a\u0648\u0631\u0629 \u0636\u0631\u0627\u0626\u0628\u0643.<\/h3>\r\n\r\n\r\n\r\n<p>\u064a\u062d\u0642 \u0644\u0645\u0627\u0631\u0643 \u0648\u062c\u064a\u0645\u0627 \u0623\u064a\u0636\u064b\u0627 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0639\u0636 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f\u0627\u062a \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629. \u0644\u062f\u064a\u0647\u0645\u0627 \u062b\u0644\u0627\u062b\u0629 \u0623\u0637\u0641\u0627\u0644 \u062f\u0648\u0646 \u0633\u0646 17 \u0639\u0627\u0645\u064b\u0627\u060c \u0645\u0645\u0627 \u064a\u0639\u0646\u064a \u0623\u0646\u0647\u0645\u0627 \u064a\u0633\u062a\u0637\u064a\u0639\u0627\u0646 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0628\u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0627\u0644\u0636\u0631\u064a\u0628\u064a \u0644\u0644\u0623\u0637\u0641\u0627\u0644 (CTC) \u0644\u062c\u0645\u064a\u0639 \u0623\u0637\u0641\u0627\u0644\u0647\u0645 \u0627\u0644\u062b\u0644\u0627\u062b\u0629.<\/p>\r\n\r\n\r\n\r\n<p>\u0644\u0633\u0646\u0629 \u0627\u0644\u0636\u0631\u064a\u0628\u0629 2024\u060c \u064a\u0628\u0644\u063a \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0627\u0644\u0636\u0631\u064a\u0628\u064a \u0644\u0644\u0623\u0637\u0641\u0627\u0644 (CTC) 2,000 \u062f\u0648\u0644\u0627\u0631 \u0644\u0643\u0644 \u0637\u0641\u0644 \u0645\u0624\u0647\u0644 (\u0648\u0645\u0646 \u0627\u0644\u0645\u062b\u064a\u0631 \u0644\u0644\u0627\u0647\u062a\u0645\u0627\u0645 \u0623\u0646 1,700 \u062f\u0648\u0644\u0627\u0631 \u0645\u0646 \u0643\u0644 \u0627\u0639\u062a\u0645\u0627\u062f \u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u0627\u0633\u062a\u0631\u062f\u0627\u062f!).<sup><a href=\"https:\/\/www.eitc.irs.gov\/other-refundable-credits-toolkit\/what-you-need-to-know-about-ctc-and-actc\/what-you-need-to-know\" target=\"_blank\" rel=\"noopener\" aria-label=\"\">1<\/a><\/sup> \u0644\u0630\u0644\u0643\u060c \u064a\u0645\u0643\u0646 \u0644\u0645\u0627\u0631\u0643 \u0648\u062c\u064a\u0645\u0627 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0628\u0640 6,000 \u062f\u0648\u0644\u0627\u0631 \u0645\u0646 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 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\u064a\u0643\u0648\u0646 \u0627\u0644\u062a\u0641\u0635\u064a\u0644 \u0645\u0641\u064a\u062f\u064b\u0627 \u0625\u0630\u0627 \u062a\u0631\u0627\u0643\u0645\u062a \u0644\u062f\u064a\u0643 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u0646\u0641\u0642\u0627\u062a \u0627\u0644\u0645\u0624\u0647\u0644\u0629.<\/li>\r\n\r\n\r\n\r\n<li>\u0627\u0643\u062a\u0634\u0641 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f\u0627\u062a \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0624\u0647\u0644\u0643 &#8211; \u0645\u062b\u0644 \u0627\u0644\u0625\u0639\u0641\u0627\u0621 \u0627\u0644\u0636\u0631\u064a\u0628\u064a \u0644\u0644\u0623\u0637\u0641\u0627\u0644 \u0625\u0630\u0627 \u0643\u0646\u062a \u0623\u062d\u062f \u0627\u0644\u0648\u0627\u0644\u062f\u064a\u0646 \u0623\u0648 \u0623\u062d\u062f \u0627\u0639\u062a\u0645\u0627\u062f\u0627\u062a \u0627\u0644\u062a\u0639\u0644\u064a\u0645 \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0625\u0630\u0627 \u0643\u0646\u062a \u0637\u0627\u0644\u0628\u064b\u0627 (\u0623\u0648 \u0623\u062d\u062f \u0648\u0627\u0644\u062f\u064a \u0627\u0644\u0637\u0627\u0644\u0628) &#8211; \u062d\u062a\u0649 \u062a\u062a\u0645\u0643\u0646 \u0645\u0646 \u0632\u064a\u0627\u062f\u0629 \u0645\u062f\u062e\u0631\u0627\u062a\u0643 \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629 \u0625\u0644\u0649 \u0623\u0642\u0635\u0649 \u062d\u062f.<\/li>\r\n\r\n\r\n\r\n<li>\u0644\u0633\u062a \u0645\u062a\u0623\u0643\u062f\u064b\u0627 \u0645\u0646 \u0627\u0644\u062e\u0635\u0648\u0645\u0627\u062a \u0623\u0648 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0646\u0637\u0628\u0642 \u0639\u0644\u064a\u0643\u061f \u0625\u0630\u0627 \u0643\u0627\u0646 \u0648\u0636\u0639\u0643 \u0627\u0644\u0636\u0631\u064a\u0628\u064a \u0623\u0643\u062b\u0631 \u062a\u0639\u0642\u064a\u062f\u064b\u0627 \u0628\u0639\u0636 \u0627\u0644\u0634\u064a\u0621 \u0645\u0646 \u062f\u0627\u0641\u0639 \u0627\u0644\u0636\u0631\u0627\u0626\u0628 \u0627\u0644\u0639\u0627\u062f\u064a\u060c \u0641\u0627\u062a\u0635\u0644 \u0628\u0623\u062d\u062f <strong>RamseyTrusted\u00ae tax pro<\/strong> \u0627\u0644\u0630\u064a \u064a\u0645\u0643\u0646\u0647 \u0645\u0633\u0627\u0639\u062f\u062a\u0643 \u0641\u064a \u0627\u062a\u062e\u0627\u0630 \u0623\u0641\u0636\u0644 \u0627\u0644\u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629 \u0648\u062a\u062c\u0646\u0628 \u0627\u0644\u0623\u062e\u0637\u0627\u0621 \u0627\u0644\u0645\u0643\u0644\u0641\u0629.<\/li>\r\n\r\n\r\n\r\n<li>\u0625\u0630\u0627 \u0643\u0646\u062a \u0645\u0646 \u0627\u0644\u0646\u0648\u0639 \u0627\u0644\u0630\u064a \u064a\u0642\u0648\u0645 \u0628\u0627\u0644\u0623\u0645\u0648\u0631 \u0628\u0646\u0641\u0633\u0647\u060c \u0641\u0642\u0645 \u0628\u0625\u0646\u062c\u0627\u0632 \u0636\u0631\u0627\u0626\u0628\u0643 \u0628\u0633\u0631\u0639\u0629 \u0648\u062f\u0642\u0629 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 <strong>Ramsey SmartTax<\/strong>. \u0633\u064a\u0648\u0636\u062d \u0644\u0643 \u0628\u0631\u0646\u0627\u0645\u062c\u0646\u0627 \u0627\u0644\u0636\u0631\u064a\u0628\u064a \u0633\u0647\u0644 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0643\u064a\u0641\u064a\u0629 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0628\u062c\u0645\u064a\u0639 \u062e\u0635\u0648\u0645\u0627\u062a\u0643 \u0648\u0627\u0639\u062a\u0645\u0627\u062f\u0627\u062a\u0643 \u062e\u0637\u0648\u0629 \u0628\u062e\u0637\u0648\u0629 \u062d\u062a\u0649 \u0644\u0627 \u062a\u0641\u0648\u062a\u0643 \u0623\u064a \u0634\u064a\u0621.<\/li>\r\n<\/ul>\r\n\r\n\r\n<div class=\"wp-block-image\">\r\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2025\/04\/smarttax-classic-pricing-card.png\" alt=\"\" \/ width=\"480\" height=\"380\"><\/figure>\r\n<\/div>\r\n\r\n\r\n<h3 class=\"wp-block-heading rds-Heading_1\">\u064a\u0634\u0645\u0644 Federal Classic \u0645\u0627 \u064a\u0644\u064a:<\/h3>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>\u062c\u0645\u064a\u0639 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0648\u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0627\u0644\u0641\u064a\u062f\u0631\u0627\u0644\u064a\u0629 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0629<\/li>\r\n\r\n\r\n\r\n<li>\u0625\u0639\u062f\u0627\u062f\u060c \u0637\u0628\u0627\u0639\u0629\u060c \u0648\u0625\u0631\u0633\u0627\u0644 \u0636\u0631\u064a\u0628\u064a \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u064b\u0627<\/li>\r\n\r\n\r\n\r\n<li>\u062f\u0639\u0645 \u0641\u0646\u064a \u0639\u0628\u0631 \u0627\u0644\u0647\u0627\u062a\u0641 \u0648\u0627\u0644\u0628\u0631\u064a\u062f \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a<\/li>\r\n\r\n\r\n\r\n<li>\u062e\u062f\u0645\u0629 \u0645\u0633\u0627\u0639\u062f\u0629 \u062a\u062f\u0642\u064a\u0642 \u0644\u0645\u062f\u0629 \u0639\u0627\u0645 \u0648\u0627\u062d\u062f<\/li>\r\n<\/ul>\r\n\r\n\r\n<div class=\"wp-block-image\">\r\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2025\/04\/smarttax-premium-pricing-card.png\" alt=\"\" \/ width=\"480\" height=\"380\"><\/figure>\r\n<\/div>\r\n\r\n\r\n<h3 class=\"wp-block-heading rds-Heading_1\">\u064a\u0634\u0645\u0644 Federal Premium \u0645\u0627 \u064a\u0644\u064a:<\/h3>\r\n\r\n\r\n\r\n<p>\u0643\u0644 \u0645\u0627 \u0641\u064a Federal Classic \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>\u062f\u0631\u062f\u0634\u0629 \u0645\u0628\u0627\u0634\u0631\u0629<\/li>\r\n\r\n\r\n\r\n<li>\u0623\u0648\u0644\u0648\u064a\u0629 \u0627\u0644\u0645\u0633\u0627\u0639\u062f\u0629 \u0639\u0628\u0631 \u0627\u0644\u0647\u0627\u062a\u0641 \u0648\u0627\u0644\u0628\u0631\u064a\u062f \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a<\/li>\r\n\r\n\r\n\r\n<li>\u062c\u0644\u0633\u0629 \u062a\u062f\u0631\u064a\u0628 \u0645\u0627\u0644\u064a \u0645\u062c\u0627\u0646\u064a\u0629<\/li>\r\n\r\n\r\n\r\n<li>3 \u0633\u0646\u0648\u0627\u062a \u0645\u0646 \u0645\u0633\u0627\u0639\u062f\u0629 \u0627\u0644\u062a\u062f\u0642\u064a\u0642<\/li>\r\n\r\n\r\n\r\n<li>\u0634\u0647\u0631 \u0648\u0627\u062d\u062f \u0645\u0646 \u062d\u0645\u0627\u064a\u0629 \u0633\u0631\u0642\u0629 \u0627\u0644\u0647\u0648\u064a\u0629<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading rds-Heading_1 rds-Heading--large_1 rs-Section--paddingTopMd rs-Section--paddingTopLg@sm rs-Section--paddingTopXl@lg\">\u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u0634\u0627\u0626\u0639\u0629<\/h2>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading rds-Heading_1 rds-Heading--brand_1 rds-Heading--small_1 rs-Faq-question Expander-title\">\u0645\u0627 \u0627\u0644\u0641\u0631\u0642 \u0628\u064a\u0646 \u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u0642\u064a\u0627\u0633\u064a \u0648\u0627\u0644\u062e\u0635\u0648\u0645\u0627\u062a \u0627\u0644\u0645\u0641\u0635\u0644\u0629\u061f<\/h3>\r\n\r\n\r\n\r\n<p>\u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u0642\u064a\u0627\u0633\u064a \u0647\u0648 \u0627\u0644\u062e\u064a\u0627\u0631 \u0627\u0644\u0623\u0633\u0647\u0644 \u0641\u064a \u0627\u0644\u062e\u0635\u0648\u0645\u0627\u062a \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629. \u0641\u0647\u0648 \u064a\u062e\u0641\u0636 \u062a\u0644\u0642\u0627\u0626\u064a\u064b\u0627 \u062f\u062e\u0644\u0643 \u0627\u0644\u062e\u0627\u0636\u0639 \u0644\u0644\u0636\u0631\u064a\u0628\u0629 \u0628\u0645\u0628\u0644\u063a \u0645\u062d\u062f\u062f (\u062a\u062d\u062f\u062f\u0647 \u0645\u0635\u0644\u062d\u0629 \u0627\u0644\u0636\u0631\u0627\u0626\u0628 IRS \u0633\u0646\u0648\u064a\u064b\u0627) \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u062d\u0627\u0644\u062a\u0643 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629. \u0647\u0630\u0627 \u0643\u0644 \u0634\u064a\u0621\u061f \u0646\u0639\u0645\u060c \u0627\u0646\u062a\u0647\u0649 \u0627\u0644\u0623\u0645\u0631!<\/p>\r\n\r\n\r\n\r\n<p>\u062a\u062a\u0637\u0644\u0628 \u0627\u0644\u062e\u0635\u0648\u0645\u0627\u062a \u0627\u0644\u0645\u0641\u0635\u0644\u0629 \u0628\u0639\u0636 \u0627\u0644\u062c\u0647\u062f \u0648\u062a\u062a\u0637\u0644\u0628 \u0645\u0646\u0643 \u0627\u0644\u0639\u0645\u0644 \u0628\u0634\u0643\u0644 \u0623\u0643\u062b\u0631 \u062a\u0641\u0635\u064a\u0644\u0627\u064b (\u0645\u0639 \u0627\u0644\u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u0623\u0648\u0631\u0627\u0642). \u0633\u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0645\u0644\u0621 \u0646\u0645\u0648\u0630\u062c Schedule A \u0645\u0639 \u0625\u0642\u0631\u0627\u0631\u0643 \u0627\u0644\u0636\u0631\u064a\u0628\u064a \u0644\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0628\u062c\u0645\u064a\u0639 \u0627\u0644\u062e\u0635\u0648\u0645\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0633\u062a\u0648\u0641\u064a \u0634\u0631\u0648\u0637\u0647\u0627 \u0648\u0627\u062d\u062f\u064b\u0627 \u062a\u0644\u0648 \u0627\u0644\u0622\u062e\u0631.<sup><a href=\"https:\/\/www.irs.gov\/forms-pubs\/about-schedule-a-form-1040\" target=\"_blank\" rel=\"noopener\">2<\/a><\/sup> \u062a\u064f\u0639\u0631\u0641 \u0647\u0630\u0647 \u0627\u0644\u062e\u0635\u0648\u0645\u0627\u062a \u0623\u064a\u0636\u064b\u0627 \u0628\u0627\u0633\u0645 \u0627\u0644\u062e\u0635\u0648\u0645\u0627\u062a \u0627\u0644\u0645\u064f\u0639\u064e\u064a\u0646\u0629.<\/p>\r\n\r\n\r\n\r\n<p>\u062a\u0634\u0645\u0644 \u0628\u0639\u0636 \u0627\u0644\u062e\u0635\u0648\u0645\u0627\u062a \u0627\u0644\u0645\u0641\u0635\u0644\u0629 \u0627\u0644\u0623\u0643\u062b\u0631 \u0634\u064a\u0648\u0639\u064b\u0627 \u0623\u0634\u064a\u0627\u0621 \u0645\u062b\u0644 \u0627\u0644\u0646\u0641\u0642\u0627\u062a \u0627\u0644\u0637\u0628\u064a\u0629 \u0648\u0627\u0644\u062a\u0628\u0631\u0639\u0627\u062a \u0627\u0644\u062e\u064a\u0631\u064a\u0629 \u0648\u0641\u0648\u0627\u0626\u062f \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a. \u0648\u0644\u0643\u0646 \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0628\u0647\u0630\u0647 \u0627\u0644\u062e\u0635\u0648\u0645\u0627\u062a \u0641\u0642\u0637 \u0625\u0630\u0627 \u0642\u0645\u062a \u0628\u062a\u0641\u0635\u064a\u0644\u0647\u0627. \u0628\u0645\u062c\u0631\u062f \u0623\u062e\u0630 \u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u0642\u064a\u0627\u0633\u064a\u060c \u0644\u0627 \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0628\u0623\u064a \u062e\u0635\u0648\u0645\u0627\u062a \u0645\u0641\u0635\u0644\u0629 \u0625\u0636\u0627\u0641\u064a\u0629.<\/p>\r\n\r\n\r\n\r\n<p>\u0645\u0646 \u0627\u0644\u0645\u0647\u0645 \u062c\u062f\u064b\u0627 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