Isikhathi sentela siphezu kwethu futhi, kusukela manje, umnqamulajuqu ka-April 15 ngeke unwetshwe ngo-2021. Kodwa nakuba cishe wonke ama-aphoyintimenti—ngisho nalawo asehhovisi lezitini nodaka lomgcini-akhawunti wakho—azoqhutshwa cishe kulo nyaka, izinkundla ezifana I-TurboTax futhi H&R Block ziseyizinga legolide uma kuziwa ezimbuyiselweni zentela eziku-inthanethi ezisebenziseka kalula nezisebenziseka kalula. Kodwa iyiphi insizakalo ekufanele? Sihlukanisa ukufana nokwehluka phakathi kwamasayithi womabili.
I-TurboTax vs. H&R Block
Manje njengoba i-H&R Block yengeze i-Online Assist, inketho yokuxoxa cishe nochwepheshe bentela ngokufunwa (kanye nemali eyengeziwe), maningi amathuba okuba baqhudelane ne-TurboTax uma kuziwa ezinsizeni zabo zentela. Noma kunjalo, kukhona ukuhlukaniswa okumbalwa okubalulekile. I-TurboTax yaziwa ngefomethi yayo yemibuzo nezimpendulo, okwenza ukugcwalisa imbuyiselo yentela kuzizwe kuyinkimbinkimbi kakhulu kunalokho okuvame ukuba yikho. Ngakolunye uhlangothi, i-H&R Block inezindawo ezingaphezu kuka-11,000 zezitini nodaka, okusho ukuthi ukuxoxa ne-IRL nochwepheshe kuyinketho noma nini lapho usendleleni.
I-TurboTax
I-TurboTax kade yaba khona kusukela ngeminyaka yawo-1980s futhi ithandwa kakhulu ngesixhumi esibonakalayo esihlanzekile nesisekelwe embuzweni kanye neqiniso lokuthi ivumelanisa ngaphandle komthungo ne-Quickbooks, ephethwe yi-Intuit (inkampani yesofthiwe yezezimali ebuye ibe ngeye-TurboTax). Kukhona futhi inqwaba yezinketho zokugcwalisa okubonakalayo ngesilinganiso samanani esishelelayo, kuye ngezidingo zakho zentela.
Izici ezivelele ze-TurboTax zifaka:
- Ikhono lokufaka izimbuyiselo zentela zikahulumeni nezesifundazwe ngekhompyutha noma ngeposi
- Inketho yokubamba ngesandla intela esheshayo nge I-TurboTax Live , kodwa futhi esanda kwethulwa I-TurboTax Live Full Service , okukubhangqa nochwepheshe bentela ozinikele ongaphatha yonke imbuyiselo yakho yentela, noma ngabe iyinkimbinkimbi kangakanani (FYI, ngayinye yalezi zinsizakalo ibiza enye imali)
- Inketho yoku landa isofthiwe lokho kukuvumela ukuthi ufake i-e-file
- Isixhumi esibonakalayo semibuzo nezimpendulo esenza ukugcwalisa imbuyiselo kusebenziseke kalula
H&R Block
H&R Block yethulwa okokuqala ngeminyaka yawo-1950s futhi ibilokhu yenza izintela zaseMelika kusukela lapho, inezindawo ezibonakalayo ezingaphezu kuka-11,000 ezweni lonke. Kodwa izinketho ezibonakalayo ziningi, futhi, futhi kufana ne-TurboTax, amazinga ahlukene okusekela ayanikezwa (futhi, nohlu lokushelelayo lwezindleko) ngokusekelwe ekutheni isimo sakho sentela singaba nzima kangakanani.
Izici ezivelele ze-H&R Block zifaka:
- Ikhono lokufaka izimbuyiselo zentela zikahulumeni nezesifundazwe ngekhompyutha noma ngeposi
- Inketho yokuncika elwazini lochwepheshe bentela abaqeqeshiwe ngokusha kwabo Uhlelo lokusiza nge-inthanethi noma i-IRL kwenye yezindawo zezitini nodaka ze-H&R Block, kokubili ngemali eyengeziwe (qiniseka nje ukuthi bheka imihlahlandlela yabo yokuphepha ye-COVID-19 ngaphambi kokwenza i-aphoyintimenti yomuntu mathupha)
- Inketho yoku yeka ukubuyiswa kwentela yakho futhi uyilande lapho isiqediwe
- Isixhumi esibonakalayo esigcwele izinkinobho zokufunda okwengeziwe ukuze ungazulazula usuke embuyiseni yakho yentela ukuze uxazulule imibuzo enzima kakhulu
Ukubuka konke kwe-TurboTax
Ngezindlela eziningi, i-TurboTax ifana nje nezentengiso—isitayela esibonakalayo se-Q&A sizizwa siyingxoxo njengoba uqedela ingxenye ngayinye yembuyiselo yakho. Ingabe uthenge ikhaya kulo nyaka? Unezingane? Indlela ophendula ngayo isiza i-TurboTax ikhiqize amafomu asebenza kakhulu empilweni yakho kanye nesimo sakho sentela.
Uma ugcwalisa imbuyiselo elula (ngokujwayelekile leyo ehlanganisa imali engenayo ye-W-2, amakhredithi entela yezingane, njll.), inguqulo yamahhala ye-TurboTax kufanele yanele. Kodwa uma unengane ekolishi (okungukuthi, ukudonswa kwentela okuhlobene nemfundo) noma izinzuzo ezinkulu nokulahlekelwa ukuze ubike noma imali engenayo yokutshalwa kwezimali, uzodinga ukuthuthukela kolunye lwezinhlelo zabo eziklanyelwe ukuphatha izintela eziyinkimbinkimbi kakhulu. (Imininingwane eyengeziwe mayelana nesakhiwo samanani se-TurboTax ingezansi.)
Okuhle nge-TurboTax ukuthi ihlanganisa inketho yokungenisa ulwazi lwentela lwangonyaka odlule noma ngabe usebenzise i-TurboTax noma cha. (Lokhu kusiza ukwenza lula nokonga isikhathi sisonke.) Kukhona nesici se-TurboTax CompleteCheck (esincomayo) esiskena amaphutha emizuzu yokugcina ngaphambi kokuthi ufake ifayela.
Ibhonasi: Uma uthatha isinqumo sokusebenzisa inguqulo ebukhoma ye-TurboTax, uzothola usizo lwevidiyo olufunekayo oluvela ku-CPA ezokwenza ukubuyekezwa komugqa nomugqa wembuyiselo yakho ngaphezu kokuphendula noma yimiphi imibuzo eyodwa ngesikhathi. Kukhona futhi inketho entsha sha yokubuyisela yonke imbuyiselo yakho (cishe) kumgcini mabhuku ongeke alungisele imbuyiselo yakho kuphela, kodwa akufake i-ping uma sekuyisikhathi sokusayina i-imeyili.
Amanye amathuluzi awusizo ahlanganisa:
- Ungakwazi ukungenisa ngokuzenzakalelayo ulwazi lwe-W-2 kumqashi wakho uma besebenzisana ne-TurboTax noma ungathwebula isithombe esingonga isikhathi uma kuziwa ekugcwaliseni imininingwane ephindaphindwayo njengenombolo yakho yezokuphepha komphakathi noma usuku lokuzalwa (isici sesithombe sisebenza nakwamanye amadokhumenti afana nama-1099s athile)
- Uma ukhipha inguqulo ye-Deluxe ye-TurboTax (noma ephakeme njengephakeji likaNdunankulu kanye ne-Self-Employed), ivumelanisa ne-ItsDeductible, okwenza kube lula ukubiza amanani okudonswa kwezingubo ezinikelwe, izinto zasendlini nokunye.
- Okudingayo nje ukungena nge-TurboTax—ungafinyelela imbuyiselo yakho kukhompuyutha ephathekayo, ifoni yakho ngenxa yohlelo lwayo lokusebenza
Indaba ende kafushane: I-TurboTax ihamba phambili ngolwazi lwayo olusebenziseka kalula kanye nohlu lwezinketho zokusekela. Amasevisi ayo asohlangothini lwamanani entengo uma kuqhathaniswa nezimbangi, kodwa ifomethi yombuzo nezimpendulo igqama ngempela mayelana nokwenza lula ukuzizwisa kwentela.
H&R Vimba Uhlolojikelele
Njenge-TurboTax, i-H&R Block inikeza ububanzi bezici ezisebenziseka kalula zokugcwalisa imbuyiselo yakho yentela ku-inthanethi, okuhlanganisa inketho yokuthola usizo olubukhoma (nokufuneka) oluvela kuchwepheshe bentela noma nini lapho uludinga phakathi nenqubo ukuze uthole izindleko ezengeziwe.
I-interface kulula ukuyisebenzisa, futhi. I-H&R Block ikuhambisa ngokucacile emalini yakho engenayo, emalini ebanjwayo namakhredithi, kanye nezimo ezikhethekile, ngaphambi kokufaka ifayela ngezinkinobho zokufunda ezengeziwe ezitholakalayo ukuchaza yonke imibuzo eyinkimbinkimbi.
Nge-H&R Block, inketho yabo yamahhala—enhle kunoma ubani oneholo le-W-2 ukuthi abike kanye nokufaneleka kwekhredithi yentela yezingane noma ikhredithi yentela ezuziwe noma imali engenayo yokungasebenzi—iyakhanya ngempela. Iphinde ikuvumela ukuthi ugcwalise amashejuli 1 kanye no-3 efomu 1040, ibhonasi njengoba, ezimweni eziningi, uzodinga lawa mafomu ukuze ukhiphe inzalo yemali ebolekiwe, isondlo kanye neminikelo ethile yomhlalaphansi. Sekushiwo lokho, kunoma ubani odinga ukwenza imali ebanjwayo (athi, unemali engenayo yokuziqasha ukuze ubike), cishe uzodinga ukutshala enye yezinguqulo zabo ezithuthukisiwe. (Imininingwane eyengeziwe mayelana nesakhiwo samanani se-H&R Block ingezansi.)
Ubungcweti obutholakalayo bentela obunikezwa i-H&R Block busukela kokuqukethwe kwentela okuseshekayo (cabanga ngamavidiyo okufundisa) kuya kusizo lwentela yomuntu ngamunye olusuka ku-CPA yangempela. Uhlelo lwabo olusha sha lwe-Online Assist lwenza izinsizakalo zabo zincintisane kakhulu ne-TurboTax ngoba manje usungakwazi ukukhokhela iseluleko sentela esifunekayo (ukwabelana ngesikrini kufakiwe) nge-CPA nganoma yisiphi isikhathi phakathi nenqubo yakho yokufaka. (Khumbula nje ukuthi ochwepheshe bakwa-H&R Block ngeke bakubuyekeze, bakusayine noma bakuthumelele i-e-file imbuyiselo yakho.)
Okokugcina, njenge-TurboTax, i-H&R Block ikunikeza inketho yokungenisa imbuyiselo yentela yonyaka odlule kunoma yimuphi umhlinzeki (ungase udinge ukulayisha i-PDF, kodwa inqubo ingenazihibe) futhi ikuvumela ukuthi uhlale ubheka yonke imali oyichithile ngesofthiwe usebenzisa i-PDF. ithikha phezulu (iwusizo uma uvele washayisa isivimbamgwaqo ekubuyiseleni kwakho bese unquma ukucela usizo lomunye wochwepheshe babo bentela empeleni).
Amanye amathuluzi awusizo ahlanganisa:
- Ungangenisa i-W-2 yakho kumqashi wakho noma ulayishe isithombe sayo (okufanayo neningi lama-1099s akho, kuye ngenguqulo oyikhokhelayo), futhi—futhi—eyisilondolozi sesikhathi esiwusizo.
- I-H&R Vimba amaphakheji entela (izinga le-Deluxe noma ngaphezulu) avunyelaniswa ne-DeductionPro, okwenza kube lula ukubala inani lezinto ezivame ukubhalwa njengezingubo ezinikelwe, izinto zasendlini nokunye.
- Kunohlelo lokusebenza oluhambisanayo futhi njengoba uhlelo luku-inthanethi, okudingayo nje ukungena ngemvume ukuze ufinyelele imbuyiselo yakho noma nini, noma kuphi.
Indaba ende kafushane: I-H&R Block ihamba phambili ngohlu lwayo lwezinketho—okuhlanganisa nekhono lokuhlangana ne-CPA empilweni yangempela. Iphinde ibe nesakhiwo samanani esincintisana kakhulu kune-TurboTax.
I-TurboTax vs. H&R Vimba: Izindleko
Ekupheleni kosuku, i-H&R Block ibiza ngaphansi kwe-TurboTax, kodwa iphakheji ngayinye inikeza izici ezihlukahlukene, ngakho ukukhetha kuza kuwe kanye nezidingo zakho zentela.
Isakhiwo samanani e-TurboTax siwohloka kanje:
- Ikhono lokufaka izimbuyiselo zentela zikahulumeni nezesifundazwe ngekhompyutha noma ngeposi
- Inketho yokubamba ngesandla intela esheshayo nge I-TurboTax Live , kodwa futhi esanda kwethulwa I-TurboTax Live Full Service , okukubhangqa nochwepheshe bentela ozinikele ongaphatha yonke imbuyiselo yakho yentela, noma ngabe iyinkimbinkimbi kangakanani (FYI, ngayinye yalezi zinsizakalo ibiza enye imali)
- Inketho yoku landa isofthiwe lokho kukuvumela ukuthi ufake i-e-file
- Isixhumi esibonakalayo semibuzo nezimpendulo esenza ukugcwalisa imbuyiselo kusebenziseke kalula
- Ikhono lokufaka izimbuyiselo zentela zikahulumeni nezesifundazwe ngekhompyutha noma ngeposi
- Inketho yokuncika elwazini lochwepheshe bentela abaqeqeshiwe ngokusha kwabo Uhlelo lokusiza nge-inthanethi noma i-IRL kwenye yezindawo zezitini nodaka ze-H&R Block, kokubili ngemali eyengeziwe (qiniseka nje ukuthi bheka imihlahlandlela yabo yokuphepha ye-COVID-19 ngaphambi kokwenza i-aphoyintimenti yomuntu mathupha)
- Inketho yoku yeka ukubuyiswa kwentela yakho futhi uyilande lapho isiqediwe
- Isixhumi esibonakalayo esigcwele izinkinobho zokufunda okwengeziwe ukuze ungazulazula usuke embuyiseni yakho yentela ukuze uxazulule imibuzo enzima kakhulu
- Ungakwazi ukungenisa ngokuzenzakalelayo ulwazi lwe-W-2 kumqashi wakho uma besebenzisana ne-TurboTax noma ungathwebula isithombe esingonga isikhathi uma kuziwa ekugcwaliseni imininingwane ephindaphindwayo njengenombolo yakho yezokuphepha komphakathi noma usuku lokuzalwa (isici sesithombe sisebenza nakwamanye amadokhumenti afana nama-1099s athile)
- Uma ukhipha inguqulo ye-Deluxe ye-TurboTax (noma ephakeme njengephakeji likaNdunankulu kanye ne-Self-Employed), ivumelanisa ne-ItsDeductible, okwenza kube lula ukubiza amanani okudonswa kwezingubo ezinikelwe, izinto zasendlini nokunye.
- Okudingayo nje ukungena nge-TurboTax—ungafinyelela imbuyiselo yakho kukhompuyutha ephathekayo, ifoni yakho ngenxa yohlelo lwayo lokusebenza
- Ungangenisa i-W-2 yakho kumqashi wakho noma ulayishe isithombe sayo (okufanayo neningi lama-1099s akho, kuye ngenguqulo oyikhokhelayo), futhi—futhi—eyisilondolozi sesikhathi esiwusizo.
- I-H&R Vimba amaphakheji entela (izinga le-Deluxe noma ngaphezulu) avunyelaniswa ne-DeductionPro, okwenza kube lula ukubala inani lezinto ezivame ukubhalwa njengezingubo ezinikelwe, izinto zasendlini nokunye.
- Kunohlelo lokusebenza oluhambisanayo futhi njengoba uhlelo luku-inthanethi, okudingayo nje ukungena ngemvume ukuze ufinyelele imbuyiselo yakho noma nini, noma kuphi.
- Ikhono lokufaka izimbuyiselo zentela zikahulumeni nezesifundazwe ngekhompyutha noma ngeposi
- Inketho yokubamba ngesandla intela esheshayo nge I-TurboTax Live , kodwa futhi esanda kwethulwa I-TurboTax Live Full Service , okukubhangqa nochwepheshe bentela ozinikele ongaphatha yonke imbuyiselo yakho yentela, noma ngabe iyinkimbinkimbi kangakanani (FYI, ngayinye yalezi zinsizakalo ibiza enye imali)
- Inketho yoku landa isofthiwe lokho kukuvumela ukuthi ufake i-e-file
- Isixhumi esibonakalayo semibuzo nezimpendulo esenza ukugcwalisa imbuyiselo kusebenziseke kalula
- Ikhono lokufaka izimbuyiselo zentela zikahulumeni nezesifundazwe ngekhompyutha noma ngeposi
- Inketho yokuncika elwazini lochwepheshe bentela abaqeqeshiwe ngokusha kwabo Uhlelo lokusiza nge-inthanethi noma i-IRL kwenye yezindawo zezitini nodaka ze-H&R Block, kokubili ngemali eyengeziwe (qiniseka nje ukuthi bheka imihlahlandlela yabo yokuphepha ye-COVID-19 ngaphambi kokwenza i-aphoyintimenti yomuntu mathupha)
- Inketho yoku yeka ukubuyiswa kwentela yakho futhi uyilande lapho isiqediwe
- Isixhumi esibonakalayo esigcwele izinkinobho zokufunda okwengeziwe ukuze ungazulazula usuke embuyiseni yakho yentela ukuze uxazulule imibuzo enzima kakhulu
- Ungakwazi ukungenisa ngokuzenzakalelayo ulwazi lwe-W-2 kumqashi wakho uma besebenzisana ne-TurboTax noma ungathwebula isithombe esingonga isikhathi uma kuziwa ekugcwaliseni imininingwane ephindaphindwayo njengenombolo yakho yezokuphepha komphakathi noma usuku lokuzalwa (isici sesithombe sisebenza nakwamanye amadokhumenti afana nama-1099s athile)
- Uma ukhipha inguqulo ye-Deluxe ye-TurboTax (noma ephakeme njengephakeji likaNdunankulu kanye ne-Self-Employed), ivumelanisa ne-ItsDeductible, okwenza kube lula ukubiza amanani okudonswa kwezingubo ezinikelwe, izinto zasendlini nokunye.
- Okudingayo nje ukungena nge-TurboTax—ungafinyelela imbuyiselo yakho kukhompuyutha ephathekayo, ifoni yakho ngenxa yohlelo lwayo lokusebenza
- Ungangenisa i-W-2 yakho kumqashi wakho noma ulayishe isithombe sayo (okufanayo neningi lama-1099s akho, kuye ngenguqulo oyikhokhelayo), futhi—futhi—eyisilondolozi sesikhathi esiwusizo.
- I-H&R Vimba amaphakheji entela (izinga le-Deluxe noma ngaphezulu) avunyelaniswa ne-DeductionPro, okwenza kube lula ukubala inani lezinto ezivame ukubhalwa njengezingubo ezinikelwe, izinto zasendlini nokunye.
- Kunohlelo lokusebenza oluhambisanayo futhi njengoba uhlelo luku-inthanethi, okudingayo nje ukungena ngemvume ukuze ufinyelele imbuyiselo yakho noma nini, noma kuphi.
- Ikhono lokufaka izimbuyiselo zentela zikahulumeni nezesifundazwe ngekhompyutha noma ngeposi
- Inketho yokubamba ngesandla intela esheshayo nge I-TurboTax Live , kodwa futhi esanda kwethulwa I-TurboTax Live Full Service , okukubhangqa nochwepheshe bentela ozinikele ongaphatha yonke imbuyiselo yakho yentela, noma ngabe iyinkimbinkimbi kangakanani (FYI, ngayinye yalezi zinsizakalo ibiza enye imali)
- Inketho yoku landa isofthiwe lokho kukuvumela ukuthi ufake i-e-file
- Isixhumi esibonakalayo semibuzo nezimpendulo esenza ukugcwalisa imbuyiselo kusebenziseke kalula
- Ikhono lokufaka izimbuyiselo zentela zikahulumeni nezesifundazwe ngekhompyutha noma ngeposi
- Inketho yokuncika elwazini lochwepheshe bentela abaqeqeshiwe ngokusha kwabo Uhlelo lokusiza nge-inthanethi noma i-IRL kwenye yezindawo zezitini nodaka ze-H&R Block, kokubili ngemali eyengeziwe (qiniseka nje ukuthi bheka imihlahlandlela yabo yokuphepha ye-COVID-19 ngaphambi kokwenza i-aphoyintimenti yomuntu mathupha)
- Inketho yoku yeka ukubuyiswa kwentela yakho futhi uyilande lapho isiqediwe
- Isixhumi esibonakalayo esigcwele izinkinobho zokufunda okwengeziwe ukuze ungazulazula usuke embuyiseni yakho yentela ukuze uxazulule imibuzo enzima kakhulu
- Ungakwazi ukungenisa ngokuzenzakalelayo ulwazi lwe-W-2 kumqashi wakho uma besebenzisana ne-TurboTax noma ungathwebula isithombe esingonga isikhathi uma kuziwa ekugcwaliseni imininingwane ephindaphindwayo njengenombolo yakho yezokuphepha komphakathi noma usuku lokuzalwa (isici sesithombe sisebenza nakwamanye amadokhumenti afana nama-1099s athile)
- Uma ukhipha inguqulo ye-Deluxe ye-TurboTax (noma ephakeme njengephakeji likaNdunankulu kanye ne-Self-Employed), ivumelanisa ne-ItsDeductible, okwenza kube lula ukubiza amanani okudonswa kwezingubo ezinikelwe, izinto zasendlini nokunye.
- Okudingayo nje ukungena nge-TurboTax—ungafinyelela imbuyiselo yakho kukhompuyutha ephathekayo, ifoni yakho ngenxa yohlelo lwayo lokusebenza
- Ungangenisa i-W-2 yakho kumqashi wakho noma ulayishe isithombe sayo (okufanayo neningi lama-1099s akho, kuye ngenguqulo oyikhokhelayo), futhi—futhi—eyisilondolozi sesikhathi esiwusizo.
- I-H&R Vimba amaphakheji entela (izinga le-Deluxe noma ngaphezulu) avunyelaniswa ne-DeductionPro, okwenza kube lula ukubala inani lezinto ezivame ukubhalwa njengezingubo ezinikelwe, izinto zasendlini nokunye.
- Kunohlelo lokusebenza oluhambisanayo futhi njengoba uhlelo luku-inthanethi, okudingayo nje ukungena ngemvume ukuze ufinyelele imbuyiselo yakho noma nini, noma kuphi.
- Ikhono lokufaka izimbuyiselo zentela zikahulumeni nezesifundazwe ngekhompyutha noma ngeposi
- Inketho yokubamba ngesandla intela esheshayo nge I-TurboTax Live , kodwa futhi esanda kwethulwa I-TurboTax Live Full Service , okukubhangqa nochwepheshe bentela ozinikele ongaphatha yonke imbuyiselo yakho yentela, noma ngabe iyinkimbinkimbi kangakanani (FYI, ngayinye yalezi zinsizakalo ibiza enye imali)
- Inketho yoku landa isofthiwe lokho kukuvumela ukuthi ufake i-e-file
- Isixhumi esibonakalayo semibuzo nezimpendulo esenza ukugcwalisa imbuyiselo kusebenziseke kalula
- Ikhono lokufaka izimbuyiselo zentela zikahulumeni nezesifundazwe ngekhompyutha noma ngeposi
- Inketho yokuncika elwazini lochwepheshe bentela abaqeqeshiwe ngokusha kwabo Uhlelo lokusiza nge-inthanethi noma i-IRL kwenye yezindawo zezitini nodaka ze-H&R Block, kokubili ngemali eyengeziwe (qiniseka nje ukuthi bheka imihlahlandlela yabo yokuphepha ye-COVID-19 ngaphambi kokwenza i-aphoyintimenti yomuntu mathupha)
- Inketho yoku yeka ukubuyiswa kwentela yakho futhi uyilande lapho isiqediwe
- Isixhumi esibonakalayo esigcwele izinkinobho zokufunda okwengeziwe ukuze ungazulazula usuke embuyiseni yakho yentela ukuze uxazulule imibuzo enzima kakhulu
- Ungakwazi ukungenisa ngokuzenzakalelayo ulwazi lwe-W-2 kumqashi wakho uma besebenzisana ne-TurboTax noma ungathwebula isithombe esingonga isikhathi uma kuziwa ekugcwaliseni imininingwane ephindaphindwayo njengenombolo yakho yezokuphepha komphakathi noma usuku lokuzalwa (isici sesithombe sisebenza nakwamanye amadokhumenti afana nama-1099s athile)
- Uma ukhipha inguqulo ye-Deluxe ye-TurboTax (noma ephakeme njengephakeji likaNdunankulu kanye ne-Self-Employed), ivumelanisa ne-ItsDeductible, okwenza kube lula ukubiza amanani okudonswa kwezingubo ezinikelwe, izinto zasendlini nokunye.
- Okudingayo nje ukungena nge-TurboTax—ungafinyelela imbuyiselo yakho kukhompuyutha ephathekayo, ifoni yakho ngenxa yohlelo lwayo lokusebenza
- Ungangenisa i-W-2 yakho kumqashi wakho noma ulayishe isithombe sayo (okufanayo neningi lama-1099s akho, kuye ngenguqulo oyikhokhelayo), futhi—futhi—eyisilondolozi sesikhathi esiwusizo.
- I-H&R Vimba amaphakheji entela (izinga le-Deluxe noma ngaphezulu) avunyelaniswa ne-DeductionPro, okwenza kube lula ukubala inani lezinto ezivame ukubhalwa njengezingubo ezinikelwe, izinto zasendlini nokunye.
- Kunohlelo lokusebenza oluhambisanayo futhi njengoba uhlelo luku-inthanethi, okudingayo nje ukungena ngemvume ukuze ufinyelele imbuyiselo yakho noma nini, noma kuphi.
- Ikhono lokufaka izimbuyiselo zentela zikahulumeni nezesifundazwe ngekhompyutha noma ngeposi
- Inketho yokubamba ngesandla intela esheshayo nge I-TurboTax Live , kodwa futhi esanda kwethulwa I-TurboTax Live Full Service , okukubhangqa nochwepheshe bentela ozinikele ongaphatha yonke imbuyiselo yakho yentela, noma ngabe iyinkimbinkimbi kangakanani (FYI, ngayinye yalezi zinsizakalo ibiza enye imali)
- Inketho yoku landa isofthiwe lokho kukuvumela ukuthi ufake i-e-file
- Isixhumi esibonakalayo semibuzo nezimpendulo esenza ukugcwalisa imbuyiselo kusebenziseke kalula
- Ikhono lokufaka izimbuyiselo zentela zikahulumeni nezesifundazwe ngekhompyutha noma ngeposi
- Inketho yokuncika elwazini lochwepheshe bentela abaqeqeshiwe ngokusha kwabo Uhlelo lokusiza nge-inthanethi noma i-IRL kwenye yezindawo zezitini nodaka ze-H&R Block, kokubili ngemali eyengeziwe (qiniseka nje ukuthi bheka imihlahlandlela yabo yokuphepha ye-COVID-19 ngaphambi kokwenza i-aphoyintimenti yomuntu mathupha)
- Inketho yoku yeka ukubuyiswa kwentela yakho futhi uyilande lapho isiqediwe
- Isixhumi esibonakalayo esigcwele izinkinobho zokufunda okwengeziwe ukuze ungazulazula usuke embuyiseni yakho yentela ukuze uxazulule imibuzo enzima kakhulu
- Ungakwazi ukungenisa ngokuzenzakalelayo ulwazi lwe-W-2 kumqashi wakho uma besebenzisana ne-TurboTax noma ungathwebula isithombe esingonga isikhathi uma kuziwa ekugcwaliseni imininingwane ephindaphindwayo njengenombolo yakho yezokuphepha komphakathi noma usuku lokuzalwa (isici sesithombe sisebenza nakwamanye amadokhumenti afana nama-1099s athile)
- Uma ukhipha inguqulo ye-Deluxe ye-TurboTax (noma ephakeme njengephakeji likaNdunankulu kanye ne-Self-Employed), ivumelanisa ne-ItsDeductible, okwenza kube lula ukubiza amanani okudonswa kwezingubo ezinikelwe, izinto zasendlini nokunye.
- Okudingayo nje ukungena nge-TurboTax—ungafinyelela imbuyiselo yakho kukhompuyutha ephathekayo, ifoni yakho ngenxa yohlelo lwayo lokusebenza
- Ungangenisa i-W-2 yakho kumqashi wakho noma ulayishe isithombe sayo (okufanayo neningi lama-1099s akho, kuye ngenguqulo oyikhokhelayo), futhi—futhi—eyisilondolozi sesikhathi esiwusizo.
- I-H&R Vimba amaphakheji entela (izinga le-Deluxe noma ngaphezulu) avunyelaniswa ne-DeductionPro, okwenza kube lula ukubala inani lezinto ezivame ukubhalwa njengezingubo ezinikelwe, izinto zasendlini nokunye.
- Kunohlelo lokusebenza oluhambisanayo futhi njengoba uhlelo luku-inthanethi, okudingayo nje ukungena ngemvume ukuze ufinyelele imbuyiselo yakho noma nini, noma kuphi.
- Ikhono lokufaka izimbuyiselo zentela zikahulumeni nezesifundazwe ngekhompyutha noma ngeposi
- Inketho yokubamba ngesandla intela esheshayo nge I-TurboTax Live , kodwa futhi esanda kwethulwa I-TurboTax Live Full Service , okukubhangqa nochwepheshe bentela ozinikele ongaphatha yonke imbuyiselo yakho yentela, noma ngabe iyinkimbinkimbi kangakanani (FYI, ngayinye yalezi zinsizakalo ibiza enye imali)
- Inketho yoku landa isofthiwe lokho kukuvumela ukuthi ufake i-e-file
- Isixhumi esibonakalayo semibuzo nezimpendulo esenza ukugcwalisa imbuyiselo kusebenziseke kalula
- Ikhono lokufaka izimbuyiselo zentela zikahulumeni nezesifundazwe ngekhompyutha noma ngeposi
- Inketho yokuncika elwazini lochwepheshe bentela abaqeqeshiwe ngokusha kwabo Uhlelo lokusiza nge-inthanethi noma i-IRL kwenye yezindawo zezitini nodaka ze-H&R Block, kokubili ngemali eyengeziwe (qiniseka nje ukuthi bheka imihlahlandlela yabo yokuphepha ye-COVID-19 ngaphambi kokwenza i-aphoyintimenti yomuntu mathupha)
- Inketho yoku yeka ukubuyiswa kwentela yakho futhi uyilande lapho isiqediwe
- Isixhumi esibonakalayo esigcwele izinkinobho zokufunda okwengeziwe ukuze ungazulazula usuke embuyiseni yakho yentela ukuze uxazulule imibuzo enzima kakhulu
- Ungakwazi ukungenisa ngokuzenzakalelayo ulwazi lwe-W-2 kumqashi wakho uma besebenzisana ne-TurboTax noma ungathwebula isithombe esingonga isikhathi uma kuziwa ekugcwaliseni imininingwane ephindaphindwayo njengenombolo yakho yezokuphepha komphakathi noma usuku lokuzalwa (isici sesithombe sisebenza nakwamanye amadokhumenti afana nama-1099s athile)
- Uma ukhipha inguqulo ye-Deluxe ye-TurboTax (noma ephakeme njengephakeji likaNdunankulu kanye ne-Self-Employed), ivumelanisa ne-ItsDeductible, okwenza kube lula ukubiza amanani okudonswa kwezingubo ezinikelwe, izinto zasendlini nokunye.
- Okudingayo nje ukungena nge-TurboTax—ungafinyelela imbuyiselo yakho kukhompuyutha ephathekayo, ifoni yakho ngenxa yohlelo lwayo lokusebenza
- Ungangenisa i-W-2 yakho kumqashi wakho noma ulayishe isithombe sayo (okufanayo neningi lama-1099s akho, kuye ngenguqulo oyikhokhelayo), futhi—futhi—eyisilondolozi sesikhathi esiwusizo.
- I-H&R Vimba amaphakheji entela (izinga le-Deluxe noma ngaphezulu) avunyelaniswa ne-DeductionPro, okwenza kube lula ukubala inani lezinto ezivame ukubhalwa njengezingubo ezinikelwe, izinto zasendlini nokunye.
- Kunohlelo lokusebenza oluhambisanayo futhi njengoba uhlelo luku-inthanethi, okudingayo nje ukungena ngemvume ukuze ufinyelele imbuyiselo yakho noma nini, noma kuphi.
Isikhathi sentela siphezu kwethu futhi, kusukela manje, umnqamulajuqu ka-April 15 ngeke unwetshwe ngo-2021. Kodwa nakuba cishe wonke ama-aphoyintimenti—ngisho nalawo asehhovisi lezitini nodaka lomgcini-akhawunti wakho—azoqhutshwa cishe kulo nyaka, izinkundla ezifana I-TurboTax futhi H&R Block ziseyizinga legolide uma kuziwa ezimbuyiselweni zentela eziku-inthanethi ezisebenziseka kalula nezisebenziseka kalula. Kodwa iyiphi insizakalo ekufanele? Sihlukanisa ukufana nokwehluka phakathi kwamasayithi womabili.
I-TurboTax vs. H&R Block
Manje njengoba i-H&R Block yengeze i-Online Assist, inketho yokuxoxa cishe nochwepheshe bentela ngokufunwa (kanye nemali eyengeziwe), maningi amathuba okuba baqhudelane ne-TurboTax uma kuziwa ezinsizeni zabo zentela. Noma kunjalo, kukhona ukuhlukaniswa okumbalwa okubalulekile. I-TurboTax yaziwa ngefomethi yayo yemibuzo nezimpendulo, okwenza ukugcwalisa imbuyiselo yentela kuzizwe kuyinkimbinkimbi kakhulu kunalokho okuvame ukuba yikho. Ngakolunye uhlangothi, i-H&R Block inezindawo ezingaphezu kuka-11,000 zezitini nodaka, okusho ukuthi ukuxoxa ne-IRL nochwepheshe kuyinketho noma nini lapho usendleleni.
I-TurboTax
I-TurboTax kade yaba khona kusukela ngeminyaka yawo-1980s futhi ithandwa kakhulu ngesixhumi esibonakalayo esihlanzekile nesisekelwe embuzweni kanye neqiniso lokuthi ivumelanisa ngaphandle komthungo ne-Quickbooks, ephethwe yi-Intuit (inkampani yesofthiwe yezezimali ebuye ibe ngeye-TurboTax). Kukhona futhi inqwaba yezinketho zokugcwalisa okubonakalayo ngesilinganiso samanani esishelelayo, kuye ngezidingo zakho zentela.
Izici ezivelele ze-TurboTax zifaka:
H&R Block
H&R Block yethulwa okokuqala ngeminyaka yawo-1950s futhi ibilokhu yenza izintela zaseMelika kusukela lapho, inezindawo ezibonakalayo ezingaphezu kuka-11,000 ezweni lonke. Kodwa izinketho ezibonakalayo ziningi, futhi, futhi kufana ne-TurboTax, amazinga ahlukene okusekela ayanikezwa (futhi, nohlu lokushelelayo lwezindleko) ngokusekelwe ekutheni isimo sakho sentela singaba nzima kangakanani.
Izici ezivelele ze-H&R Block zifaka:
Ukubuka konke kwe-TurboTax
Ngezindlela eziningi, i-TurboTax ifana nje nezentengiso—isitayela esibonakalayo se-Q&A sizizwa siyingxoxo njengoba uqedela ingxenye ngayinye yembuyiselo yakho. Ingabe uthenge ikhaya kulo nyaka? Unezingane? Indlela ophendula ngayo isiza i-TurboTax ikhiqize amafomu asebenza kakhulu empilweni yakho kanye nesimo sakho sentela.
Uma ugcwalisa imbuyiselo elula (ngokujwayelekile leyo ehlanganisa imali engenayo ye-W-2, amakhredithi entela yezingane, njll.), inguqulo yamahhala ye-TurboTax kufanele yanele. Kodwa uma unengane ekolishi (okungukuthi, ukudonswa kwentela okuhlobene nemfundo) noma izinzuzo ezinkulu nokulahlekelwa ukuze ubike noma imali engenayo yokutshalwa kwezimali, uzodinga ukuthuthukela kolunye lwezinhlelo zabo eziklanyelwe ukuphatha izintela eziyinkimbinkimbi kakhulu. (Imininingwane eyengeziwe mayelana nesakhiwo samanani se-TurboTax ingezansi.)
Okuhle nge-TurboTax ukuthi ihlanganisa inketho yokungenisa ulwazi lwentela lwangonyaka odlule noma ngabe usebenzise i-TurboTax noma cha. (Lokhu kusiza ukwenza lula nokonga isikhathi sisonke.) Kukhona nesici se-TurboTax CompleteCheck (esincomayo) esiskena amaphutha emizuzu yokugcina ngaphambi kokuthi ufake ifayela.
Ibhonasi: Uma uthatha isinqumo sokusebenzisa inguqulo ebukhoma ye-TurboTax, uzothola usizo lwevidiyo olufunekayo oluvela ku-CPA ezokwenza ukubuyekezwa komugqa nomugqa wembuyiselo yakho ngaphezu kokuphendula noma yimiphi imibuzo eyodwa ngesikhathi. Kukhona futhi inketho entsha sha yokubuyisela yonke imbuyiselo yakho (cishe) kumgcini mabhuku ongeke alungisele imbuyiselo yakho kuphela, kodwa akufake i-ping uma sekuyisikhathi sokusayina i-imeyili.
Amanye amathuluzi awusizo ahlanganisa:
Indaba ende kafushane: I-TurboTax ihamba phambili ngolwazi lwayo olusebenziseka kalula kanye nohlu lwezinketho zokusekela. Amasevisi ayo asohlangothini lwamanani entengo uma kuqhathaniswa nezimbangi, kodwa ifomethi yombuzo nezimpendulo igqama ngempela mayelana nokwenza lula ukuzizwisa kwentela.
H&R Vimba Uhlolojikelele
Njenge-TurboTax, i-H&R Block inikeza ububanzi bezici ezisebenziseka kalula zokugcwalisa imbuyiselo yakho yentela ku-inthanethi, okuhlanganisa inketho yokuthola usizo olubukhoma (nokufuneka) oluvela kuchwepheshe bentela noma nini lapho uludinga phakathi nenqubo ukuze uthole izindleko ezengeziwe.
I-interface kulula ukuyisebenzisa, futhi. I-H&R Block ikuhambisa ngokucacile emalini yakho engenayo, emalini ebanjwayo namakhredithi, kanye nezimo ezikhethekile, ngaphambi kokufaka ifayela ngezinkinobho zokufunda ezengeziwe ezitholakalayo ukuchaza yonke imibuzo eyinkimbinkimbi.
Nge-H&R Block, inketho yabo yamahhala—enhle kunoma ubani oneholo le-W-2 ukuthi abike kanye nokufaneleka kwekhredithi yentela yezingane noma ikhredithi yentela ezuziwe noma imali engenayo yokungasebenzi—iyakhanya ngempela. Iphinde ikuvumela ukuthi ugcwalise amashejuli 1 kanye no-3 efomu 1040, ibhonasi njengoba, ezimweni eziningi, uzodinga lawa mafomu ukuze ukhiphe inzalo yemali ebolekiwe, isondlo kanye neminikelo ethile yomhlalaphansi. Sekushiwo lokho, kunoma ubani odinga ukwenza imali ebanjwayo (athi, unemali engenayo yokuziqasha ukuze ubike), cishe uzodinga ukutshala enye yezinguqulo zabo ezithuthukisiwe. (Imininingwane eyengeziwe mayelana nesakhiwo samanani se-H&R Block ingezansi.)
Ubungcweti obutholakalayo bentela obunikezwa i-H&R Block busukela kokuqukethwe kwentela okuseshekayo (cabanga ngamavidiyo okufundisa) kuya kusizo lwentela yomuntu ngamunye olusuka ku-CPA yangempela. Uhlelo lwabo olusha sha lwe-Online Assist lwenza izinsizakalo zabo zincintisane kakhulu ne-TurboTax ngoba manje usungakwazi ukukhokhela iseluleko sentela esifunekayo (ukwabelana ngesikrini kufakiwe) nge-CPA nganoma yisiphi isikhathi phakathi nenqubo yakho yokufaka. (Khumbula nje ukuthi ochwepheshe bakwa-H&R Block ngeke bakubuyekeze, bakusayine noma bakuthumelele i-e-file imbuyiselo yakho.)
Okokugcina, njenge-TurboTax, i-H&R Block ikunikeza inketho yokungenisa imbuyiselo yentela yonyaka odlule kunoma yimuphi umhlinzeki (ungase udinge ukulayisha i-PDF, kodwa inqubo ingenazihibe) futhi ikuvumela ukuthi uhlale ubheka yonke imali oyichithile ngesofthiwe usebenzisa i-PDF. ithikha phezulu (iwusizo uma uvele washayisa isivimbamgwaqo ekubuyiseleni kwakho bese unquma ukucela usizo lomunye wochwepheshe babo bentela empeleni).
Amanye amathuluzi awusizo ahlanganisa:
Indaba ende kafushane: I-H&R Block ihamba phambili ngohlu lwayo lwezinketho—okuhlanganisa nekhono lokuhlangana ne-CPA empilweni yangempela. Iphinde ibe nesakhiwo samanani esincintisana kakhulu kune-TurboTax.
I-TurboTax vs. H&R Vimba: Izindleko
Ekupheleni kosuku, i-H&R Block ibiza ngaphansi kwe-TurboTax, kodwa iphakheji ngayinye inikeza izici ezihlukahlukene, ngakho ukukhetha kuza kuwe kanye nezidingo zakho zentela.
Isakhiwo samanani e-TurboTax siwohloka kanje:
Isimo: $0
Kuhle kakhulu ezimbuyiselweni zentela ezilula (okusho ukuthi uhlela ukufaka isicelo sokudonswa kwemali okungaphezu kwesilinganiso, isikweletu sentela ezuziwe kanye nekhredithi yentela yezingane), le nguqulo ikuvumela ukuthi ufake inombolo engu-1040 kanye nembuyiselo yezwe mahhala.
Isimo: $0
Okuwukuphela kwento ehlukanisa lokhu enguqulweni yamahhala ukuthi ihlanganisa ukufinyelela kwevidiyo efunwa kakhulu kuchwepheshe wentela.
Isimo: $50 ($55 nge-Live)
Ilungele noma ubani oncamela ukubhala imbuyiselo yakhe yentela, kanye nokufuna ezinye izimali ezibanjwayo ezimbalwa kanye namakhredithi entela, futhi. Futhi, kuyasiza uma unemali engenayo yebhizinisi ngaphandle kwezindleko.
Isimo: $50 ($55 nge-Live)
Le nguqulo iyafana ne-Deluxe kodwa yengeza inketho yokubika ukutshalwa kwezimali kanye nanoma iyiphi imali engenayo yokuqasha.
Isimo: $50 ($55 nge-Live)
Okufanayo nenguqulo kaNdunankulu, kodwa ihlanganisa imali engenayo yebhizinisi nezindleko, kanye nokubanjwa kwehhovisi lasekhaya. Ungakwazi futhi ukuyivumelanisa ne-Square, i-Lyft ne-Uber ukuze ungenise izindleko.
Isakhiwo sentengo ye-H&R Block siwohloka kanje:
Isimo: $0
Le nguqulo ikuvumela ukuthi ugcwalise imbuyiselo yentela elula (okusho ukuthi uhlela ukufuna noma yiziphi izimali ezibanjwayo ezingaphezu kwezingajwayelekile, ikhredithi yentela ezuziwe nekhredithi yentela yezingane), ngaphezu kwamashejuli 1 no-3 mahhala.
Isimo: $0
Lokhu kuyafana nenguqulo yamahhala, ngaphandle kokuthi uyakwazi ukufinyelela ochwepheshe bentela be-H&R Block ukuze uthole usizo lwentela olufunekayo.
Isimo: $36.99
Le nguqulo ikuvumela ukuthi ubhale futhi ufune ukudonswa kwentela okwengeziwe kanye namakhredithi.
Isimo: $36.99
Le nguqulo icishe ifane neye-Deluxe, kodwa futhi ikuvumela ukuthi ufune indawo eqashisayo nanoma iyiphi imali etholwayo yokutshala imali.
Isimo: $36.99
Ilungele abazimele, osonkontileka abazimele kanye nabanikazi bamabhizinisi amancane, le nguqulo futhi ikuvumela ukuthi ungenise noma yiziphi izindleko ze-Uber.
I-TurboTax vs. H&R Block: Izinketho Zamahhala
Uma okufanele uziphendulele yiholo lakho le-W-2, ikhredithi yentela engenayo ezuziwe noma ikhredithi yentela yengane, kokubili i-TurboTax ne-H&R Block zikukhave ngezinguqulo zamahhala zesofthiwe yazo yentela.
Kodwa uhlelo lokugcwalisa intela lwamahhala lwe-H&R Block luza nenzuzo eyengeziwe: Inketho yokufayela amashejuli 1 no-3 efomu 1040, eliwusizo—futhi ngokuvamile elidingeka—kubakhokhi bentela okudingeka baziphendulele ngokudonswa kwemali okuvamile njengezinkokhelo zezindlu, inzalo yemali mboleko yomfundi, imali engenayo yebhizinisi, isondlo, izindleko zokunakekela obondliwa nokunye.
I-TurboTax vs. H&R Vimba: Ubungane Bomsebenzisi
Ifomethi yombuzo nezimpendulo yesofthiwe ye-TurboTax isezingeni eliphezulu ngempela. Kwenza ukugcwalisa imbuyiselo yakho yentela kuzizwe kuyingxoxo kancane kunokuhamba umugqa ngomugqa ngemali engenayo ezuziwe kanye nezindleko nokubanjwa.
Sekushiwo lokho, kokubili i-TurboTax ne-H&R Block zinikeza ulwazi olulula noluqondile lwabasebenzisi olubeka ngisho nabakhokhi bentela abaqalayo esihlalweni somshayeli. (Ukufinyelela olwazini olufana nezifundo zevidiyo noma izindatshana ezinamathiphu asheshayo nemininingwane yochwepheshe kutholakala kalula kuwo womabili amasayithi.)
Ngaphezu kwalokho, zombili lezi zinsizakalo zikuvumela ukuthi ubone ukudonswa kwemali okuhlukahlukene kuthatha imbuyiselo yakho ngesikhathi sangempela usebenzisa ithikha phezulu esikrinini.
I-TurboTax vs. H&R Block: Isevisi Yekhasimende
Nge-TurboTax, bonke abasebenzisi banokufinyelela ku-chatbot noma ifomu lokuxhumana lemibuzo yobuchwepheshe evelayo ngenkathi usebenzisa inkundla. Kodwa uma uzitholela i-TurboTax Live, kulapho isevisi icula khona. Shayela uchwepheshe we-TurboTax ngawo wonke amahora ebusuku (yize ungalindela izikhathi ezinde zokulinda ngokushesha nje lapho kufika u-April 15) noma wenze i-aphoyintimenti kusenesikhathi ukuze ubuyekeze imbuyiselo yakho. Usizo lunikezwa nge-screenshare lapho futhi uthola khona ukubona ubuso be-CPA yakho (abakwazi ukukubona, isikrini sakho kuphela).
Kulo nyaka, ungakwazi futhi ukungena ku-TurboTax Full Service, okusho ukuthi ulayisha amadokhumenti akho entela kuphothali evikelekile futhi umuntu wangempela ophilayo—owabelwe ngokusekelwe ezidingweni zakho ezithile zentela—uhlanganisa imbuyiselo yakho ukuze akhokhe. (Izintengo ziqala ku-$130 ezimbuyiselweni zombuso kanye no-$45 wesifunda.) Uzoba nekholi yevidiyo ekuqaleni, bese futhi lapho ukubuyisela kwakho sekulungele ukufakwa.
I-H&R Block iyaqhudelana kahle lapha. Iphakheji yabo entsha sha ye-Online Assist isebenza njenge-TurboTax Live, ikunikeza ukufinyelela lapho kudingeka khona kanye nezikhathi zokwabelana ngesikrini nge-CPA ngenkokhelo eyengeziwe.
I-H&R Block iphinde inikeze ngesevisi yayo Yokubuyekeza I-Tax Pro (izintengo ziqala ku-$40), ehlinzeka ngokubuyekezwa komuntu ngamunye kwembuyiselo yakho ukuze kuhlolwe amaphutha ngaphambi kokuthi ufake ifayela kanye nokubanjwa okugejiwe noma amakhredithi. Ungakwazi ngisho nokucela uchwepheshe bentela ofanayo oke wawasebenzisa eminyakeni edlule—inzuzo yawo wonke umuntu onentshisekelo yokwakha ubuhlobo lapha. Kodwa nge-H&R Block, futhi unenketho yokuhlangana mathupha nochwepheshe bentela kwenye yezindawo zabo eziningi zezitini nodaka. (FYI, ukuqokwa komuntu mathupha kuqala ku-$69.)
I-TurboTax vs. H&R Block: Coronavirus Resources
Kokubili i-TurboTax ne-H&R Block, ochwepheshe bentela bazazi kahle izici ezihlobene ne-COVID-19 ezingase zithinte noma zingathinti izintela zakho ngo-2020. (Kungakhathalekile ukuthi ukhetha yiphi inguqulo yentela, zombili lezi zinsizakalo zikufaka phakathi lokhu ekugcwaliseni kwakho, futhi.) Kungakhathaliseki ukuthi lokhu kusho ukuthi, ukuntuleka kwemisebenzi okufanele uziphendulele noma ukuthi isheke le-stimulus lizoyithinta kanjani imbuyiselo yakho, ungalindela ulwazi oluningi kuzo zombili izindawo kuyo yonke indawo. (I-TurboTax inezincazelo ezithile lapha ; H&R Block lapha .)
Ngokuqondene nezindawo ze-H&R Block zezitini nodaka, zivulekele isikhathi sokuqokwa komuntu mathupha kule sizini yentela, kodwa uzodinga ukuhlola ukuze uqiniseke ukuthi izinsizakalo azithintwa ukukhiya noma eminye imikhawulo yebhizinisi esekelwe ezinombolweni zamacala endaweni yakini. Kusetshenziswa imihlahlandlela eqinile yokuqhela emphakathini, kanye nokugqoka imaski kanye amanye amaphrothokholi okuphepha .
I-TurboTax vs. H&R Block: Yikuphi Okukulungele?
Zombili lezi zinsizakalo ziyaqhudelana kulo nyaka, uma kunikezwe i-H&R Block yengeze i-Online Assist (umnikelo ofana kakhulu ne-TurboTax Live). Mayelana nokuthi kungani ungakhetha isevisi eyodwa phezu kwenye, i-H&R Block ilungele wonke umuntu ofuna inketho yomuntu mathupha kanye nesakhiwo samanani esincintisana kakhulu. Baphinde banikele ngezinsiza ezibanzi enguqulweni yabo yamahhala.
Noma kunjalo, i-TurboTax igqamile ngobungane bayo bomsebenzisi. Ifomethi yabo ye-Q&A yomibili ayinamthungo ukuyizulazula futhi ibanzi. (Kunzima ukuncintisana nalokho lapho izintela ziyinkimbinkimbi kakhulu, ikakhulukazi onyakeni owubhubhane.)
Ekupheleni kosuku, kuza kokuncamelayo komuntu siqu...noma izindleko eziphelele.
OKUhlobene: Izinto Eziyisi-7 Engase Zishintshe Ezintela Zakho Ngo-2020
Isimo:
Isikhathi sentela siphezu kwethu futhi, kusukela manje, umnqamulajuqu ka-April 15 ngeke unwetshwe ngo-2021. Kodwa nakuba cishe wonke ama-aphoyintimenti—ngisho nalawo asehhovisi lezitini nodaka lomgcini-akhawunti wakho—azoqhutshwa cishe kulo nyaka, izinkundla ezifana I-TurboTax futhi H&R Block ziseyizinga legolide uma kuziwa ezimbuyiselweni zentela eziku-inthanethi ezisebenziseka kalula nezisebenziseka kalula. Kodwa iyiphi insizakalo ekufanele? Sihlukanisa ukufana nokwehluka phakathi kwamasayithi womabili.
I-TurboTax vs. H&R Block
Manje njengoba i-H&R Block yengeze i-Online Assist, inketho yokuxoxa cishe nochwepheshe bentela ngokufunwa (kanye nemali eyengeziwe), maningi amathuba okuba baqhudelane ne-TurboTax uma kuziwa ezinsizeni zabo zentela. Noma kunjalo, kukhona ukuhlukaniswa okumbalwa okubalulekile. I-TurboTax yaziwa ngefomethi yayo yemibuzo nezimpendulo, okwenza ukugcwalisa imbuyiselo yentela kuzizwe kuyinkimbinkimbi kakhulu kunalokho okuvame ukuba yikho. Ngakolunye uhlangothi, i-H&R Block inezindawo ezingaphezu kuka-11,000 zezitini nodaka, okusho ukuthi ukuxoxa ne-IRL nochwepheshe kuyinketho noma nini lapho usendleleni.
I-TurboTax
I-TurboTax kade yaba khona kusukela ngeminyaka yawo-1980s futhi ithandwa kakhulu ngesixhumi esibonakalayo esihlanzekile nesisekelwe embuzweni kanye neqiniso lokuthi ivumelanisa ngaphandle komthungo ne-Quickbooks, ephethwe yi-Intuit (inkampani yesofthiwe yezezimali ebuye ibe ngeye-TurboTax). Kukhona futhi inqwaba yezinketho zokugcwalisa okubonakalayo ngesilinganiso samanani esishelelayo, kuye ngezidingo zakho zentela.
Izici ezivelele ze-TurboTax zifaka:
H&R Block
H&R Block yethulwa okokuqala ngeminyaka yawo-1950s futhi ibilokhu yenza izintela zaseMelika kusukela lapho, inezindawo ezibonakalayo ezingaphezu kuka-11,000 ezweni lonke. Kodwa izinketho ezibonakalayo ziningi, futhi, futhi kufana ne-TurboTax, amazinga ahlukene okusekela ayanikezwa (futhi, nohlu lokushelelayo lwezindleko) ngokusekelwe ekutheni isimo sakho sentela singaba nzima kangakanani.
Izici ezivelele ze-H&R Block zifaka:
Ukubuka konke kwe-TurboTax
Ngezindlela eziningi, i-TurboTax ifana nje nezentengiso—isitayela esibonakalayo se-Q&A sizizwa siyingxoxo njengoba uqedela ingxenye ngayinye yembuyiselo yakho. Ingabe uthenge ikhaya kulo nyaka? Unezingane? Indlela ophendula ngayo isiza i-TurboTax ikhiqize amafomu asebenza kakhulu empilweni yakho kanye nesimo sakho sentela.
Uma ugcwalisa imbuyiselo elula (ngokujwayelekile leyo ehlanganisa imali engenayo ye-W-2, amakhredithi entela yezingane, njll.), inguqulo yamahhala ye-TurboTax kufanele yanele. Kodwa uma unengane ekolishi (okungukuthi, ukudonswa kwentela okuhlobene nemfundo) noma izinzuzo ezinkulu nokulahlekelwa ukuze ubike noma imali engenayo yokutshalwa kwezimali, uzodinga ukuthuthukela kolunye lwezinhlelo zabo eziklanyelwe ukuphatha izintela eziyinkimbinkimbi kakhulu. (Imininingwane eyengeziwe mayelana nesakhiwo samanani se-TurboTax ingezansi.)
Okuhle nge-TurboTax ukuthi ihlanganisa inketho yokungenisa ulwazi lwentela lwangonyaka odlule noma ngabe usebenzise i-TurboTax noma cha. (Lokhu kusiza ukwenza lula nokonga isikhathi sisonke.) Kukhona nesici se-TurboTax CompleteCheck (esincomayo) esiskena amaphutha emizuzu yokugcina ngaphambi kokuthi ufake ifayela.
Ibhonasi: Uma uthatha isinqumo sokusebenzisa inguqulo ebukhoma ye-TurboTax, uzothola usizo lwevidiyo olufunekayo oluvela ku-CPA ezokwenza ukubuyekezwa komugqa nomugqa wembuyiselo yakho ngaphezu kokuphendula noma yimiphi imibuzo eyodwa ngesikhathi. Kukhona futhi inketho entsha sha yokubuyisela yonke imbuyiselo yakho (cishe) kumgcini mabhuku ongeke alungisele imbuyiselo yakho kuphela, kodwa akufake i-ping uma sekuyisikhathi sokusayina i-imeyili.
Amanye amathuluzi awusizo ahlanganisa:
Indaba ende kafushane: I-TurboTax ihamba phambili ngolwazi lwayo olusebenziseka kalula kanye nohlu lwezinketho zokusekela. Amasevisi ayo asohlangothini lwamanani entengo uma kuqhathaniswa nezimbangi, kodwa ifomethi yombuzo nezimpendulo igqama ngempela mayelana nokwenza lula ukuzizwisa kwentela.
H&R Vimba Uhlolojikelele
Njenge-TurboTax, i-H&R Block inikeza ububanzi bezici ezisebenziseka kalula zokugcwalisa imbuyiselo yakho yentela ku-inthanethi, okuhlanganisa inketho yokuthola usizo olubukhoma (nokufuneka) oluvela kuchwepheshe bentela noma nini lapho uludinga phakathi nenqubo ukuze uthole izindleko ezengeziwe.
I-interface kulula ukuyisebenzisa, futhi. I-H&R Block ikuhambisa ngokucacile emalini yakho engenayo, emalini ebanjwayo namakhredithi, kanye nezimo ezikhethekile, ngaphambi kokufaka ifayela ngezinkinobho zokufunda ezengeziwe ezitholakalayo ukuchaza yonke imibuzo eyinkimbinkimbi.
Nge-H&R Block, inketho yabo yamahhala—enhle kunoma ubani oneholo le-W-2 ukuthi abike kanye nokufaneleka kwekhredithi yentela yezingane noma ikhredithi yentela ezuziwe noma imali engenayo yokungasebenzi—iyakhanya ngempela. Iphinde ikuvumela ukuthi ugcwalise amashejuli 1 kanye no-3 efomu 1040, ibhonasi njengoba, ezimweni eziningi, uzodinga lawa mafomu ukuze ukhiphe inzalo yemali ebolekiwe, isondlo kanye neminikelo ethile yomhlalaphansi. Sekushiwo lokho, kunoma ubani odinga ukwenza imali ebanjwayo (athi, unemali engenayo yokuziqasha ukuze ubike), cishe uzodinga ukutshala enye yezinguqulo zabo ezithuthukisiwe. (Imininingwane eyengeziwe mayelana nesakhiwo samanani se-H&R Block ingezansi.)
Ubungcweti obutholakalayo bentela obunikezwa i-H&R Block busukela kokuqukethwe kwentela okuseshekayo (cabanga ngamavidiyo okufundisa) kuya kusizo lwentela yomuntu ngamunye olusuka ku-CPA yangempela. Uhlelo lwabo olusha sha lwe-Online Assist lwenza izinsizakalo zabo zincintisane kakhulu ne-TurboTax ngoba manje usungakwazi ukukhokhela iseluleko sentela esifunekayo (ukwabelana ngesikrini kufakiwe) nge-CPA nganoma yisiphi isikhathi phakathi nenqubo yakho yokufaka. (Khumbula nje ukuthi ochwepheshe bakwa-H&R Block ngeke bakubuyekeze, bakusayine noma bakuthumelele i-e-file imbuyiselo yakho.)
Okokugcina, njenge-TurboTax, i-H&R Block ikunikeza inketho yokungenisa imbuyiselo yentela yonyaka odlule kunoma yimuphi umhlinzeki (ungase udinge ukulayisha i-PDF, kodwa inqubo ingenazihibe) futhi ikuvumela ukuthi uhlale ubheka yonke imali oyichithile ngesofthiwe usebenzisa i-PDF. ithikha phezulu (iwusizo uma uvele washayisa isivimbamgwaqo ekubuyiseleni kwakho bese unquma ukucela usizo lomunye wochwepheshe babo bentela empeleni).
Amanye amathuluzi awusizo ahlanganisa:
Indaba ende kafushane: I-H&R Block ihamba phambili ngohlu lwayo lwezinketho—okuhlanganisa nekhono lokuhlangana ne-CPA empilweni yangempela. Iphinde ibe nesakhiwo samanani esincintisana kakhulu kune-TurboTax.
I-TurboTax vs. H&R Vimba: Izindleko
Ekupheleni kosuku, i-H&R Block ibiza ngaphansi kwe-TurboTax, kodwa iphakheji ngayinye inikeza izici ezihlukahlukene, ngakho ukukhetha kuza kuwe kanye nezidingo zakho zentela.
Isakhiwo samanani e-TurboTax siwohloka kanje:
Isimo: $0
Kuhle kakhulu ezimbuyiselweni zentela ezilula (okusho ukuthi uhlela ukufaka isicelo sokudonswa kwemali okungaphezu kwesilinganiso, isikweletu sentela ezuziwe kanye nekhredithi yentela yezingane), le nguqulo ikuvumela ukuthi ufake inombolo engu-1040 kanye nembuyiselo yezwe mahhala.
Isimo: $0
Okuwukuphela kwento ehlukanisa lokhu enguqulweni yamahhala ukuthi ihlanganisa ukufinyelela kwevidiyo efunwa kakhulu kuchwepheshe wentela.
Isimo: $50 ($55 nge-Live)
Ilungele noma ubani oncamela ukubhala imbuyiselo yakhe yentela, kanye nokufuna ezinye izimali ezibanjwayo ezimbalwa kanye namakhredithi entela, futhi. Futhi, kuyasiza uma unemali engenayo yebhizinisi ngaphandle kwezindleko.
Isimo: $50 ($55 nge-Live)
Le nguqulo iyafana ne-Deluxe kodwa yengeza inketho yokubika ukutshalwa kwezimali kanye nanoma iyiphi imali engenayo yokuqasha.
Isimo: $50 ($55 nge-Live)
Okufanayo nenguqulo kaNdunankulu, kodwa ihlanganisa imali engenayo yebhizinisi nezindleko, kanye nokubanjwa kwehhovisi lasekhaya. Ungakwazi futhi ukuyivumelanisa ne-Square, i-Lyft ne-Uber ukuze ungenise izindleko.
Isakhiwo sentengo ye-H&R Block siwohloka kanje:
Isimo: $0
Le nguqulo ikuvumela ukuthi ugcwalise imbuyiselo yentela elula (okusho ukuthi uhlela ukufuna noma yiziphi izimali ezibanjwayo ezingaphezu kwezingajwayelekile, ikhredithi yentela ezuziwe nekhredithi yentela yezingane), ngaphezu kwamashejuli 1 no-3 mahhala.
Isimo: $0
Lokhu kuyafana nenguqulo yamahhala, ngaphandle kokuthi uyakwazi ukufinyelela ochwepheshe bentela be-H&R Block ukuze uthole usizo lwentela olufunekayo.
Isimo: $36.99
Le nguqulo ikuvumela ukuthi ubhale futhi ufune ukudonswa kwentela okwengeziwe kanye namakhredithi.
Isimo: $36.99
Le nguqulo icishe ifane neye-Deluxe, kodwa futhi ikuvumela ukuthi ufune indawo eqashisayo nanoma iyiphi imali etholwayo yokutshala imali.
Isimo: $36.99
Ilungele abazimele, osonkontileka abazimele kanye nabanikazi bamabhizinisi amancane, le nguqulo futhi ikuvumela ukuthi ungenise noma yiziphi izindleko ze-Uber.
I-TurboTax vs. H&R Block: Izinketho Zamahhala
Uma okufanele uziphendulele yiholo lakho le-W-2, ikhredithi yentela engenayo ezuziwe noma ikhredithi yentela yengane, kokubili i-TurboTax ne-H&R Block zikukhave ngezinguqulo zamahhala zesofthiwe yazo yentela.
Kodwa uhlelo lokugcwalisa intela lwamahhala lwe-H&R Block luza nenzuzo eyengeziwe: Inketho yokufayela amashejuli 1 no-3 efomu 1040, eliwusizo—futhi ngokuvamile elidingeka—kubakhokhi bentela okudingeka baziphendulele ngokudonswa kwemali okuvamile njengezinkokhelo zezindlu, inzalo yemali mboleko yomfundi, imali engenayo yebhizinisi, isondlo, izindleko zokunakekela obondliwa nokunye.
I-TurboTax vs. H&R Vimba: Ubungane Bomsebenzisi
Ifomethi yombuzo nezimpendulo yesofthiwe ye-TurboTax isezingeni eliphezulu ngempela. Kwenza ukugcwalisa imbuyiselo yakho yentela kuzizwe kuyingxoxo kancane kunokuhamba umugqa ngomugqa ngemali engenayo ezuziwe kanye nezindleko nokubanjwa.
Sekushiwo lokho, kokubili i-TurboTax ne-H&R Block zinikeza ulwazi olulula noluqondile lwabasebenzisi olubeka ngisho nabakhokhi bentela abaqalayo esihlalweni somshayeli. (Ukufinyelela olwazini olufana nezifundo zevidiyo noma izindatshana ezinamathiphu asheshayo nemininingwane yochwepheshe kutholakala kalula kuwo womabili amasayithi.)
Ngaphezu kwalokho, zombili lezi zinsizakalo zikuvumela ukuthi ubone ukudonswa kwemali okuhlukahlukene kuthatha imbuyiselo yakho ngesikhathi sangempela usebenzisa ithikha phezulu esikrinini.
I-TurboTax vs. H&R Block: Isevisi Yekhasimende
Nge-TurboTax, bonke abasebenzisi banokufinyelela ku-chatbot noma ifomu lokuxhumana lemibuzo yobuchwepheshe evelayo ngenkathi usebenzisa inkundla. Kodwa uma uzitholela i-TurboTax Live, kulapho isevisi icula khona. Shayela uchwepheshe we-TurboTax ngawo wonke amahora ebusuku (yize ungalindela izikhathi ezinde zokulinda ngokushesha nje lapho kufika u-April 15) noma wenze i-aphoyintimenti kusenesikhathi ukuze ubuyekeze imbuyiselo yakho. Usizo lunikezwa nge-screenshare lapho futhi uthola khona ukubona ubuso be-CPA yakho (abakwazi ukukubona, isikrini sakho kuphela).
Kulo nyaka, ungakwazi futhi ukungena ku-TurboTax Full Service, okusho ukuthi ulayisha amadokhumenti akho entela kuphothali evikelekile futhi umuntu wangempela ophilayo—owabelwe ngokusekelwe ezidingweni zakho ezithile zentela—uhlanganisa imbuyiselo yakho ukuze akhokhe. (Izintengo ziqala ku-$130 ezimbuyiselweni zombuso kanye no-$45 wesifunda.) Uzoba nekholi yevidiyo ekuqaleni, bese futhi lapho ukubuyisela kwakho sekulungele ukufakwa.
I-H&R Block iyaqhudelana kahle lapha. Iphakheji yabo entsha sha ye-Online Assist isebenza njenge-TurboTax Live, ikunikeza ukufinyelela lapho kudingeka khona kanye nezikhathi zokwabelana ngesikrini nge-CPA ngenkokhelo eyengeziwe.
I-H&R Block iphinde inikeze ngesevisi yayo Yokubuyekeza I-Tax Pro (izintengo ziqala ku-$40), ehlinzeka ngokubuyekezwa komuntu ngamunye kwembuyiselo yakho ukuze kuhlolwe amaphutha ngaphambi kokuthi ufake ifayela kanye nokubanjwa okugejiwe noma amakhredithi. Ungakwazi ngisho nokucela uchwepheshe bentela ofanayo oke wawasebenzisa eminyakeni edlule—inzuzo yawo wonke umuntu onentshisekelo yokwakha ubuhlobo lapha. Kodwa nge-H&R Block, futhi unenketho yokuhlangana mathupha nochwepheshe bentela kwenye yezindawo zabo eziningi zezitini nodaka. (FYI, ukuqokwa komuntu mathupha kuqala ku-$69.)
I-TurboTax vs. H&R Block: Coronavirus Resources
Kokubili i-TurboTax ne-H&R Block, ochwepheshe bentela bazazi kahle izici ezihlobene ne-COVID-19 ezingase zithinte noma zingathinti izintela zakho ngo-2020. (Kungakhathalekile ukuthi ukhetha yiphi inguqulo yentela, zombili lezi zinsizakalo zikufaka phakathi lokhu ekugcwaliseni kwakho, futhi.) Kungakhathaliseki ukuthi lokhu kusho ukuthi, ukuntuleka kwemisebenzi okufanele uziphendulele noma ukuthi isheke le-stimulus lizoyithinta kanjani imbuyiselo yakho, ungalindela ulwazi oluningi kuzo zombili izindawo kuyo yonke indawo. (I-TurboTax inezincazelo ezithile lapha ; H&R Block lapha .)
Ngokuqondene nezindawo ze-H&R Block zezitini nodaka, zivulekele isikhathi sokuqokwa komuntu mathupha kule sizini yentela, kodwa uzodinga ukuhlola ukuze uqiniseke ukuthi izinsizakalo azithintwa ukukhiya noma eminye imikhawulo yebhizinisi esekelwe ezinombolweni zamacala endaweni yakini. Kusetshenziswa imihlahlandlela eqinile yokuqhela emphakathini, kanye nokugqoka imaski kanye amanye amaphrothokholi okuphepha .
I-TurboTax vs. H&R Block: Yikuphi Okukulungele?
Zombili lezi zinsizakalo ziyaqhudelana kulo nyaka, uma kunikezwe i-H&R Block yengeze i-Online Assist (umnikelo ofana kakhulu ne-TurboTax Live). Mayelana nokuthi kungani ungakhetha isevisi eyodwa phezu kwenye, i-H&R Block ilungele wonke umuntu ofuna inketho yomuntu mathupha kanye nesakhiwo samanani esincintisana kakhulu. Baphinde banikele ngezinsiza ezibanzi enguqulweni yabo yamahhala.
Noma kunjalo, i-TurboTax igqamile ngobungane bayo bomsebenzisi. Ifomethi yabo ye-Q&A yomibili ayinamthungo ukuyizulazula futhi ibanzi. (Kunzima ukuncintisana nalokho lapho izintela ziyinkimbinkimbi kakhulu, ikakhulukazi onyakeni owubhubhane.)
Ekupheleni kosuku, kuza kokuncamelayo komuntu siqu...noma izindleko eziphelele.
OKUhlobene: Izinto Eziyisi-7 Engase Zishintshe Ezintela Zakho Ngo-2020
Kuhle kakhulu ezimbuyiselweni zentela ezilula (okusho ukuthi uhlela ukufaka isicelo sokudonswa kwemali okungaphezu kwesilinganiso, isikweletu sentela ezuziwe kanye nekhredithi yentela yezingane), le nguqulo ikuvumela ukuthi ufake inombolo engu-1040 kanye nembuyiselo yezwe mahhala.
Isimo:
Isikhathi sentela siphezu kwethu futhi, kusukela manje, umnqamulajuqu ka-April 15 ngeke unwetshwe ngo-2021. Kodwa nakuba cishe wonke ama-aphoyintimenti—ngisho nalawo asehhovisi lezitini nodaka lomgcini-akhawunti wakho—azoqhutshwa cishe kulo nyaka, izinkundla ezifana I-TurboTax futhi H&R Block ziseyizinga legolide uma kuziwa ezimbuyiselweni zentela eziku-inthanethi ezisebenziseka kalula nezisebenziseka kalula. Kodwa iyiphi insizakalo ekufanele? Sihlukanisa ukufana nokwehluka phakathi kwamasayithi womabili.
I-TurboTax vs. H&R Block
Manje njengoba i-H&R Block yengeze i-Online Assist, inketho yokuxoxa cishe nochwepheshe bentela ngokufunwa (kanye nemali eyengeziwe), maningi amathuba okuba baqhudelane ne-TurboTax uma kuziwa ezinsizeni zabo zentela. Noma kunjalo, kukhona ukuhlukaniswa okumbalwa okubalulekile. I-TurboTax yaziwa ngefomethi yayo yemibuzo nezimpendulo, okwenza ukugcwalisa imbuyiselo yentela kuzizwe kuyinkimbinkimbi kakhulu kunalokho okuvame ukuba yikho. Ngakolunye uhlangothi, i-H&R Block inezindawo ezingaphezu kuka-11,000 zezitini nodaka, okusho ukuthi ukuxoxa ne-IRL nochwepheshe kuyinketho noma nini lapho usendleleni.
I-TurboTax
I-TurboTax kade yaba khona kusukela ngeminyaka yawo-1980s futhi ithandwa kakhulu ngesixhumi esibonakalayo esihlanzekile nesisekelwe embuzweni kanye neqiniso lokuthi ivumelanisa ngaphandle komthungo ne-Quickbooks, ephethwe yi-Intuit (inkampani yesofthiwe yezezimali ebuye ibe ngeye-TurboTax). Kukhona futhi inqwaba yezinketho zokugcwalisa okubonakalayo ngesilinganiso samanani esishelelayo, kuye ngezidingo zakho zentela.
Izici ezivelele ze-TurboTax zifaka:
H&R Block
H&R Block yethulwa okokuqala ngeminyaka yawo-1950s futhi ibilokhu yenza izintela zaseMelika kusukela lapho, inezindawo ezibonakalayo ezingaphezu kuka-11,000 ezweni lonke. Kodwa izinketho ezibonakalayo ziningi, futhi, futhi kufana ne-TurboTax, amazinga ahlukene okusekela ayanikezwa (futhi, nohlu lokushelelayo lwezindleko) ngokusekelwe ekutheni isimo sakho sentela singaba nzima kangakanani.
Izici ezivelele ze-H&R Block zifaka:
Ukubuka konke kwe-TurboTax
Ngezindlela eziningi, i-TurboTax ifana nje nezentengiso—isitayela esibonakalayo se-Q&A sizizwa siyingxoxo njengoba uqedela ingxenye ngayinye yembuyiselo yakho. Ingabe uthenge ikhaya kulo nyaka? Unezingane? Indlela ophendula ngayo isiza i-TurboTax ikhiqize amafomu asebenza kakhulu empilweni yakho kanye nesimo sakho sentela.
Uma ugcwalisa imbuyiselo elula (ngokujwayelekile leyo ehlanganisa imali engenayo ye-W-2, amakhredithi entela yezingane, njll.), inguqulo yamahhala ye-TurboTax kufanele yanele. Kodwa uma unengane ekolishi (okungukuthi, ukudonswa kwentela okuhlobene nemfundo) noma izinzuzo ezinkulu nokulahlekelwa ukuze ubike noma imali engenayo yokutshalwa kwezimali, uzodinga ukuthuthukela kolunye lwezinhlelo zabo eziklanyelwe ukuphatha izintela eziyinkimbinkimbi kakhulu. (Imininingwane eyengeziwe mayelana nesakhiwo samanani se-TurboTax ingezansi.)
Okuhle nge-TurboTax ukuthi ihlanganisa inketho yokungenisa ulwazi lwentela lwangonyaka odlule noma ngabe usebenzise i-TurboTax noma cha. (Lokhu kusiza ukwenza lula nokonga isikhathi sisonke.) Kukhona nesici se-TurboTax CompleteCheck (esincomayo) esiskena amaphutha emizuzu yokugcina ngaphambi kokuthi ufake ifayela.
Ibhonasi: Uma uthatha isinqumo sokusebenzisa inguqulo ebukhoma ye-TurboTax, uzothola usizo lwevidiyo olufunekayo oluvela ku-CPA ezokwenza ukubuyekezwa komugqa nomugqa wembuyiselo yakho ngaphezu kokuphendula noma yimiphi imibuzo eyodwa ngesikhathi. Kukhona futhi inketho entsha sha yokubuyisela yonke imbuyiselo yakho (cishe) kumgcini mabhuku ongeke alungisele imbuyiselo yakho kuphela, kodwa akufake i-ping uma sekuyisikhathi sokusayina i-imeyili.
Amanye amathuluzi awusizo ahlanganisa:
Indaba ende kafushane: I-TurboTax ihamba phambili ngolwazi lwayo olusebenziseka kalula kanye nohlu lwezinketho zokusekela. Amasevisi ayo asohlangothini lwamanani entengo uma kuqhathaniswa nezimbangi, kodwa ifomethi yombuzo nezimpendulo igqama ngempela mayelana nokwenza lula ukuzizwisa kwentela.
H&R Vimba Uhlolojikelele
Njenge-TurboTax, i-H&R Block inikeza ububanzi bezici ezisebenziseka kalula zokugcwalisa imbuyiselo yakho yentela ku-inthanethi, okuhlanganisa inketho yokuthola usizo olubukhoma (nokufuneka) oluvela kuchwepheshe bentela noma nini lapho uludinga phakathi nenqubo ukuze uthole izindleko ezengeziwe.
I-interface kulula ukuyisebenzisa, futhi. I-H&R Block ikuhambisa ngokucacile emalini yakho engenayo, emalini ebanjwayo namakhredithi, kanye nezimo ezikhethekile, ngaphambi kokufaka ifayela ngezinkinobho zokufunda ezengeziwe ezitholakalayo ukuchaza yonke imibuzo eyinkimbinkimbi.
Nge-H&R Block, inketho yabo yamahhala—enhle kunoma ubani oneholo le-W-2 ukuthi abike kanye nokufaneleka kwekhredithi yentela yezingane noma ikhredithi yentela ezuziwe noma imali engenayo yokungasebenzi—iyakhanya ngempela. Iphinde ikuvumela ukuthi ugcwalise amashejuli 1 kanye no-3 efomu 1040, ibhonasi njengoba, ezimweni eziningi, uzodinga lawa mafomu ukuze ukhiphe inzalo yemali ebolekiwe, isondlo kanye neminikelo ethile yomhlalaphansi. Sekushiwo lokho, kunoma ubani odinga ukwenza imali ebanjwayo (athi, unemali engenayo yokuziqasha ukuze ubike), cishe uzodinga ukutshala enye yezinguqulo zabo ezithuthukisiwe. (Imininingwane eyengeziwe mayelana nesakhiwo samanani se-H&R Block ingezansi.)
Ubungcweti obutholakalayo bentela obunikezwa i-H&R Block busukela kokuqukethwe kwentela okuseshekayo (cabanga ngamavidiyo okufundisa) kuya kusizo lwentela yomuntu ngamunye olusuka ku-CPA yangempela. Uhlelo lwabo olusha sha lwe-Online Assist lwenza izinsizakalo zabo zincintisane kakhulu ne-TurboTax ngoba manje usungakwazi ukukhokhela iseluleko sentela esifunekayo (ukwabelana ngesikrini kufakiwe) nge-CPA nganoma yisiphi isikhathi phakathi nenqubo yakho yokufaka. (Khumbula nje ukuthi ochwepheshe bakwa-H&R Block ngeke bakubuyekeze, bakusayine noma bakuthumelele i-e-file imbuyiselo yakho.)
Okokugcina, njenge-TurboTax, i-H&R Block ikunikeza inketho yokungenisa imbuyiselo yentela yonyaka odlule kunoma yimuphi umhlinzeki (ungase udinge ukulayisha i-PDF, kodwa inqubo ingenazihibe) futhi ikuvumela ukuthi uhlale ubheka yonke imali oyichithile ngesofthiwe usebenzisa i-PDF. ithikha phezulu (iwusizo uma uvele washayisa isivimbamgwaqo ekubuyiseleni kwakho bese unquma ukucela usizo lomunye wochwepheshe babo bentela empeleni).
Amanye amathuluzi awusizo ahlanganisa:
Indaba ende kafushane: I-H&R Block ihamba phambili ngohlu lwayo lwezinketho—okuhlanganisa nekhono lokuhlangana ne-CPA empilweni yangempela. Iphinde ibe nesakhiwo samanani esincintisana kakhulu kune-TurboTax.
I-TurboTax vs. H&R Vimba: Izindleko
Ekupheleni kosuku, i-H&R Block ibiza ngaphansi kwe-TurboTax, kodwa iphakheji ngayinye inikeza izici ezihlukahlukene, ngakho ukukhetha kuza kuwe kanye nezidingo zakho zentela.
Isakhiwo samanani e-TurboTax siwohloka kanje:
Isimo: $0
Kuhle kakhulu ezimbuyiselweni zentela ezilula (okusho ukuthi uhlela ukufaka isicelo sokudonswa kwemali okungaphezu kwesilinganiso, isikweletu sentela ezuziwe kanye nekhredithi yentela yezingane), le nguqulo ikuvumela ukuthi ufake inombolo engu-1040 kanye nembuyiselo yezwe mahhala.
Isimo: $0
Okuwukuphela kwento ehlukanisa lokhu enguqulweni yamahhala ukuthi ihlanganisa ukufinyelela kwevidiyo efunwa kakhulu kuchwepheshe wentela.
Isimo: $50 ($55 nge-Live)
Ilungele noma ubani oncamela ukubhala imbuyiselo yakhe yentela, kanye nokufuna ezinye izimali ezibanjwayo ezimbalwa kanye namakhredithi entela, futhi. Futhi, kuyasiza uma unemali engenayo yebhizinisi ngaphandle kwezindleko.
Isimo: $50 ($55 nge-Live)
Le nguqulo iyafana ne-Deluxe kodwa yengeza inketho yokubika ukutshalwa kwezimali kanye nanoma iyiphi imali engenayo yokuqasha.
Isimo: $50 ($55 nge-Live)
Okufanayo nenguqulo kaNdunankulu, kodwa ihlanganisa imali engenayo yebhizinisi nezindleko, kanye nokubanjwa kwehhovisi lasekhaya. Ungakwazi futhi ukuyivumelanisa ne-Square, i-Lyft ne-Uber ukuze ungenise izindleko.
Isakhiwo sentengo ye-H&R Block siwohloka kanje:
Isimo: $0
Le nguqulo ikuvumela ukuthi ugcwalise imbuyiselo yentela elula (okusho ukuthi uhlela ukufuna noma yiziphi izimali ezibanjwayo ezingaphezu kwezingajwayelekile, ikhredithi yentela ezuziwe nekhredithi yentela yezingane), ngaphezu kwamashejuli 1 no-3 mahhala.
Isimo: $0
Lokhu kuyafana nenguqulo yamahhala, ngaphandle kokuthi uyakwazi ukufinyelela ochwepheshe bentela be-H&R Block ukuze uthole usizo lwentela olufunekayo.
Isimo: $36.99
Le nguqulo ikuvumela ukuthi ubhale futhi ufune ukudonswa kwentela okwengeziwe kanye namakhredithi.
Isimo: $36.99
Le nguqulo icishe ifane neye-Deluxe, kodwa futhi ikuvumela ukuthi ufune indawo eqashisayo nanoma iyiphi imali etholwayo yokutshala imali.
Isimo: $36.99
Ilungele abazimele, osonkontileka abazimele kanye nabanikazi bamabhizinisi amancane, le nguqulo futhi ikuvumela ukuthi ungenise noma yiziphi izindleko ze-Uber.
I-TurboTax vs. H&R Block: Izinketho Zamahhala
Uma okufanele uziphendulele yiholo lakho le-W-2, ikhredithi yentela engenayo ezuziwe noma ikhredithi yentela yengane, kokubili i-TurboTax ne-H&R Block zikukhave ngezinguqulo zamahhala zesofthiwe yazo yentela.
Kodwa uhlelo lokugcwalisa intela lwamahhala lwe-H&R Block luza nenzuzo eyengeziwe: Inketho yokufayela amashejuli 1 no-3 efomu 1040, eliwusizo—futhi ngokuvamile elidingeka—kubakhokhi bentela okudingeka baziphendulele ngokudonswa kwemali okuvamile njengezinkokhelo zezindlu, inzalo yemali mboleko yomfundi, imali engenayo yebhizinisi, isondlo, izindleko zokunakekela obondliwa nokunye.
I-TurboTax vs. H&R Vimba: Ubungane Bomsebenzisi
Ifomethi yombuzo nezimpendulo yesofthiwe ye-TurboTax isezingeni eliphezulu ngempela. Kwenza ukugcwalisa imbuyiselo yakho yentela kuzizwe kuyingxoxo kancane kunokuhamba umugqa ngomugqa ngemali engenayo ezuziwe kanye nezindleko nokubanjwa.
Sekushiwo lokho, kokubili i-TurboTax ne-H&R Block zinikeza ulwazi olulula noluqondile lwabasebenzisi olubeka ngisho nabakhokhi bentela abaqalayo esihlalweni somshayeli. (Ukufinyelela olwazini olufana nezifundo zevidiyo noma izindatshana ezinamathiphu asheshayo nemininingwane yochwepheshe kutholakala kalula kuwo womabili amasayithi.)
Ngaphezu kwalokho, zombili lezi zinsizakalo zikuvumela ukuthi ubone ukudonswa kwemali okuhlukahlukene kuthatha imbuyiselo yakho ngesikhathi sangempela usebenzisa ithikha phezulu esikrinini.
I-TurboTax vs. H&R Block: Isevisi Yekhasimende
Nge-TurboTax, bonke abasebenzisi banokufinyelela ku-chatbot noma ifomu lokuxhumana lemibuzo yobuchwepheshe evelayo ngenkathi usebenzisa inkundla. Kodwa uma uzitholela i-TurboTax Live, kulapho isevisi icula khona. Shayela uchwepheshe we-TurboTax ngawo wonke amahora ebusuku (yize ungalindela izikhathi ezinde zokulinda ngokushesha nje lapho kufika u-April 15) noma wenze i-aphoyintimenti kusenesikhathi ukuze ubuyekeze imbuyiselo yakho. Usizo lunikezwa nge-screenshare lapho futhi uthola khona ukubona ubuso be-CPA yakho (abakwazi ukukubona, isikrini sakho kuphela).
Kulo nyaka, ungakwazi futhi ukungena ku-TurboTax Full Service, okusho ukuthi ulayisha amadokhumenti akho entela kuphothali evikelekile futhi umuntu wangempela ophilayo—owabelwe ngokusekelwe ezidingweni zakho ezithile zentela—uhlanganisa imbuyiselo yakho ukuze akhokhe. (Izintengo ziqala ku-$130 ezimbuyiselweni zombuso kanye no-$45 wesifunda.) Uzoba nekholi yevidiyo ekuqaleni, bese futhi lapho ukubuyisela kwakho sekulungele ukufakwa.
I-H&R Block iyaqhudelana kahle lapha. Iphakheji yabo entsha sha ye-Online Assist isebenza njenge-TurboTax Live, ikunikeza ukufinyelela lapho kudingeka khona kanye nezikhathi zokwabelana ngesikrini nge-CPA ngenkokhelo eyengeziwe.
I-H&R Block iphinde inikeze ngesevisi yayo Yokubuyekeza I-Tax Pro (izintengo ziqala ku-$40), ehlinzeka ngokubuyekezwa komuntu ngamunye kwembuyiselo yakho ukuze kuhlolwe amaphutha ngaphambi kokuthi ufake ifayela kanye nokubanjwa okugejiwe noma amakhredithi. Ungakwazi ngisho nokucela uchwepheshe bentela ofanayo oke wawasebenzisa eminyakeni edlule—inzuzo yawo wonke umuntu onentshisekelo yokwakha ubuhlobo lapha. Kodwa nge-H&R Block, futhi unenketho yokuhlangana mathupha nochwepheshe bentela kwenye yezindawo zabo eziningi zezitini nodaka. (FYI, ukuqokwa komuntu mathupha kuqala ku-$69.)
I-TurboTax vs. H&R Block: Coronavirus Resources
Kokubili i-TurboTax ne-H&R Block, ochwepheshe bentela bazazi kahle izici ezihlobene ne-COVID-19 ezingase zithinte noma zingathinti izintela zakho ngo-2020. (Kungakhathalekile ukuthi ukhetha yiphi inguqulo yentela, zombili lezi zinsizakalo zikufaka phakathi lokhu ekugcwaliseni kwakho, futhi.) Kungakhathaliseki ukuthi lokhu kusho ukuthi, ukuntuleka kwemisebenzi okufanele uziphendulele noma ukuthi isheke le-stimulus lizoyithinta kanjani imbuyiselo yakho, ungalindela ulwazi oluningi kuzo zombili izindawo kuyo yonke indawo. (I-TurboTax inezincazelo ezithile lapha ; H&R Block lapha .)
Ngokuqondene nezindawo ze-H&R Block zezitini nodaka, zivulekele isikhathi sokuqokwa komuntu mathupha kule sizini yentela, kodwa uzodinga ukuhlola ukuze uqiniseke ukuthi izinsizakalo azithintwa ukukhiya noma eminye imikhawulo yebhizinisi esekelwe ezinombolweni zamacala endaweni yakini. Kusetshenziswa imihlahlandlela eqinile yokuqhela emphakathini, kanye nokugqoka imaski kanye amanye amaphrothokholi okuphepha .
I-TurboTax vs. H&R Block: Yikuphi Okukulungele?
Zombili lezi zinsizakalo ziyaqhudelana kulo nyaka, uma kunikezwe i-H&R Block yengeze i-Online Assist (umnikelo ofana kakhulu ne-TurboTax Live). Mayelana nokuthi kungani ungakhetha isevisi eyodwa phezu kwenye, i-H&R Block ilungele wonke umuntu ofuna inketho yomuntu mathupha kanye nesakhiwo samanani esincintisana kakhulu. Baphinde banikele ngezinsiza ezibanzi enguqulweni yabo yamahhala.
Noma kunjalo, i-TurboTax igqamile ngobungane bayo bomsebenzisi. Ifomethi yabo ye-Q&A yomibili ayinamthungo ukuyizulazula futhi ibanzi. (Kunzima ukuncintisana nalokho lapho izintela ziyinkimbinkimbi kakhulu, ikakhulukazi onyakeni owubhubhane.)
Ekupheleni kosuku, kuza kokuncamelayo komuntu siqu...noma izindleko eziphelele.
OKUhlobene: Izinto Eziyisi-7 Engase Zishintshe Ezintela Zakho Ngo-2020
Okuwukuphela kwento ehlukanisa lokhu enguqulweni yamahhala ukuthi ihlanganisa ukufinyelela kwevidiyo efunwa kakhulu kuchwepheshe wentela.
Isimo: ( nge-Live)
Ilungele noma ubani oncamela ukubhala imbuyiselo yakhe yentela, kanye nokufuna ezinye izimali ezibanjwayo ezimbalwa kanye namakhredithi entela, futhi. Futhi, kuyasiza uma unemali engenayo yebhizinisi ngaphandle kwezindleko.
Isimo: ( nge-Live)
Le nguqulo iyafana ne-Deluxe kodwa yengeza inketho yokubika ukutshalwa kwezimali kanye nanoma iyiphi imali engenayo yokuqasha.
Isimo: ( nge-Live)
Okufanayo nenguqulo kaNdunankulu, kodwa ihlanganisa imali engenayo yebhizinisi nezindleko, kanye nokubanjwa kwehhovisi lasekhaya. Ungakwazi futhi ukuyivumelanisa ne-Square, i-Lyft ne-Uber ukuze ungenise izindleko.
Isakhiwo sentengo ye-H&R Block siwohloka kanje:
Isikhathi sentela siphezu kwethu futhi, kusukela manje, umnqamulajuqu ka-April 15 ngeke unwetshwe ngo-2021. Kodwa nakuba cishe wonke ama-aphoyintimenti—ngisho nalawo asehhovisi lezitini nodaka lomgcini-akhawunti wakho—azoqhutshwa cishe kulo nyaka, izinkundla ezifana I-TurboTax futhi H&R Block ziseyizinga legolide uma kuziwa ezimbuyiselweni zentela eziku-inthanethi ezisebenziseka kalula nezisebenziseka kalula. Kodwa iyiphi insizakalo ekufanele? Sihlukanisa ukufana nokwehluka phakathi kwamasayithi womabili.
I-TurboTax vs. H&R Block
Manje njengoba i-H&R Block yengeze i-Online Assist, inketho yokuxoxa cishe nochwepheshe bentela ngokufunwa (kanye nemali eyengeziwe), maningi amathuba okuba baqhudelane ne-TurboTax uma kuziwa ezinsizeni zabo zentela. Noma kunjalo, kukhona ukuhlukaniswa okumbalwa okubalulekile. I-TurboTax yaziwa ngefomethi yayo yemibuzo nezimpendulo, okwenza ukugcwalisa imbuyiselo yentela kuzizwe kuyinkimbinkimbi kakhulu kunalokho okuvame ukuba yikho. Ngakolunye uhlangothi, i-H&R Block inezindawo ezingaphezu kuka-11,000 zezitini nodaka, okusho ukuthi ukuxoxa ne-IRL nochwepheshe kuyinketho noma nini lapho usendleleni.
I-TurboTax
I-TurboTax kade yaba khona kusukela ngeminyaka yawo-1980s futhi ithandwa kakhulu ngesixhumi esibonakalayo esihlanzekile nesisekelwe embuzweni kanye neqiniso lokuthi ivumelanisa ngaphandle komthungo ne-Quickbooks, ephethwe yi-Intuit (inkampani yesofthiwe yezezimali ebuye ibe ngeye-TurboTax). Kukhona futhi inqwaba yezinketho zokugcwalisa okubonakalayo ngesilinganiso samanani esishelelayo, kuye ngezidingo zakho zentela.
Izici ezivelele ze-TurboTax zifaka:
H&R Block
H&R Block yethulwa okokuqala ngeminyaka yawo-1950s futhi ibilokhu yenza izintela zaseMelika kusukela lapho, inezindawo ezibonakalayo ezingaphezu kuka-11,000 ezweni lonke. Kodwa izinketho ezibonakalayo ziningi, futhi, futhi kufana ne-TurboTax, amazinga ahlukene okusekela ayanikezwa (futhi, nohlu lokushelelayo lwezindleko) ngokusekelwe ekutheni isimo sakho sentela singaba nzima kangakanani.
Izici ezivelele ze-H&R Block zifaka:
Ukubuka konke kwe-TurboTax
Ngezindlela eziningi, i-TurboTax ifana nje nezentengiso—isitayela esibonakalayo se-Q&A sizizwa siyingxoxo njengoba uqedela ingxenye ngayinye yembuyiselo yakho. Ingabe uthenge ikhaya kulo nyaka? Unezingane? Indlela ophendula ngayo isiza i-TurboTax ikhiqize amafomu asebenza kakhulu empilweni yakho kanye nesimo sakho sentela.
Uma ugcwalisa imbuyiselo elula (ngokujwayelekile leyo ehlanganisa imali engenayo ye-W-2, amakhredithi entela yezingane, njll.), inguqulo yamahhala ye-TurboTax kufanele yanele. Kodwa uma unengane ekolishi (okungukuthi, ukudonswa kwentela okuhlobene nemfundo) noma izinzuzo ezinkulu nokulahlekelwa ukuze ubike noma imali engenayo yokutshalwa kwezimali, uzodinga ukuthuthukela kolunye lwezinhlelo zabo eziklanyelwe ukuphatha izintela eziyinkimbinkimbi kakhulu. (Imininingwane eyengeziwe mayelana nesakhiwo samanani se-TurboTax ingezansi.)
Okuhle nge-TurboTax ukuthi ihlanganisa inketho yokungenisa ulwazi lwentela lwangonyaka odlule noma ngabe usebenzise i-TurboTax noma cha. (Lokhu kusiza ukwenza lula nokonga isikhathi sisonke.) Kukhona nesici se-TurboTax CompleteCheck (esincomayo) esiskena amaphutha emizuzu yokugcina ngaphambi kokuthi ufake ifayela.
Ibhonasi: Uma uthatha isinqumo sokusebenzisa inguqulo ebukhoma ye-TurboTax, uzothola usizo lwevidiyo olufunekayo oluvela ku-CPA ezokwenza ukubuyekezwa komugqa nomugqa wembuyiselo yakho ngaphezu kokuphendula noma yimiphi imibuzo eyodwa ngesikhathi. Kukhona futhi inketho entsha sha yokubuyisela yonke imbuyiselo yakho (cishe) kumgcini mabhuku ongeke alungisele imbuyiselo yakho kuphela, kodwa akufake i-ping uma sekuyisikhathi sokusayina i-imeyili.
Amanye amathuluzi awusizo ahlanganisa:
Indaba ende kafushane: I-TurboTax ihamba phambili ngolwazi lwayo olusebenziseka kalula kanye nohlu lwezinketho zokusekela. Amasevisi ayo asohlangothini lwamanani entengo uma kuqhathaniswa nezimbangi, kodwa ifomethi yombuzo nezimpendulo igqama ngempela mayelana nokwenza lula ukuzizwisa kwentela.
H&R Vimba Uhlolojikelele
Njenge-TurboTax, i-H&R Block inikeza ububanzi bezici ezisebenziseka kalula zokugcwalisa imbuyiselo yakho yentela ku-inthanethi, okuhlanganisa inketho yokuthola usizo olubukhoma (nokufuneka) oluvela kuchwepheshe bentela noma nini lapho uludinga phakathi nenqubo ukuze uthole izindleko ezengeziwe.
I-interface kulula ukuyisebenzisa, futhi. I-H&R Block ikuhambisa ngokucacile emalini yakho engenayo, emalini ebanjwayo namakhredithi, kanye nezimo ezikhethekile, ngaphambi kokufaka ifayela ngezinkinobho zokufunda ezengeziwe ezitholakalayo ukuchaza yonke imibuzo eyinkimbinkimbi.
Nge-H&R Block, inketho yabo yamahhala—enhle kunoma ubani oneholo le-W-2 ukuthi abike kanye nokufaneleka kwekhredithi yentela yezingane noma ikhredithi yentela ezuziwe noma imali engenayo yokungasebenzi—iyakhanya ngempela. Iphinde ikuvumela ukuthi ugcwalise amashejuli 1 kanye no-3 efomu 1040, ibhonasi njengoba, ezimweni eziningi, uzodinga lawa mafomu ukuze ukhiphe inzalo yemali ebolekiwe, isondlo kanye neminikelo ethile yomhlalaphansi. Sekushiwo lokho, kunoma ubani odinga ukwenza imali ebanjwayo (athi, unemali engenayo yokuziqasha ukuze ubike), cishe uzodinga ukutshala enye yezinguqulo zabo ezithuthukisiwe. (Imininingwane eyengeziwe mayelana nesakhiwo samanani se-H&R Block ingezansi.)
Ubungcweti obutholakalayo bentela obunikezwa i-H&R Block busukela kokuqukethwe kwentela okuseshekayo (cabanga ngamavidiyo okufundisa) kuya kusizo lwentela yomuntu ngamunye olusuka ku-CPA yangempela. Uhlelo lwabo olusha sha lwe-Online Assist lwenza izinsizakalo zabo zincintisane kakhulu ne-TurboTax ngoba manje usungakwazi ukukhokhela iseluleko sentela esifunekayo (ukwabelana ngesikrini kufakiwe) nge-CPA nganoma yisiphi isikhathi phakathi nenqubo yakho yokufaka. (Khumbula nje ukuthi ochwepheshe bakwa-H&R Block ngeke bakubuyekeze, bakusayine noma bakuthumelele i-e-file imbuyiselo yakho.)
Okokugcina, njenge-TurboTax, i-H&R Block ikunikeza inketho yokungenisa imbuyiselo yentela yonyaka odlule kunoma yimuphi umhlinzeki (ungase udinge ukulayisha i-PDF, kodwa inqubo ingenazihibe) futhi ikuvumela ukuthi uhlale ubheka yonke imali oyichithile ngesofthiwe usebenzisa i-PDF. ithikha phezulu (iwusizo uma uvele washayisa isivimbamgwaqo ekubuyiseleni kwakho bese unquma ukucela usizo lomunye wochwepheshe babo bentela empeleni).
Amanye amathuluzi awusizo ahlanganisa:
Indaba ende kafushane: I-H&R Block ihamba phambili ngohlu lwayo lwezinketho—okuhlanganisa nekhono lokuhlangana ne-CPA empilweni yangempela. Iphinde ibe nesakhiwo samanani esincintisana kakhulu kune-TurboTax.
I-TurboTax vs. H&R Vimba: Izindleko
Ekupheleni kosuku, i-H&R Block ibiza ngaphansi kwe-TurboTax, kodwa iphakheji ngayinye inikeza izici ezihlukahlukene, ngakho ukukhetha kuza kuwe kanye nezidingo zakho zentela.
Isakhiwo samanani e-TurboTax siwohloka kanje:
Isimo: $0
Kuhle kakhulu ezimbuyiselweni zentela ezilula (okusho ukuthi uhlela ukufaka isicelo sokudonswa kwemali okungaphezu kwesilinganiso, isikweletu sentela ezuziwe kanye nekhredithi yentela yezingane), le nguqulo ikuvumela ukuthi ufake inombolo engu-1040 kanye nembuyiselo yezwe mahhala.
Isimo: $0
Okuwukuphela kwento ehlukanisa lokhu enguqulweni yamahhala ukuthi ihlanganisa ukufinyelela kwevidiyo efunwa kakhulu kuchwepheshe wentela.
Isimo: $50 ($55 nge-Live)
Ilungele noma ubani oncamela ukubhala imbuyiselo yakhe yentela, kanye nokufuna ezinye izimali ezibanjwayo ezimbalwa kanye namakhredithi entela, futhi. Futhi, kuyasiza uma unemali engenayo yebhizinisi ngaphandle kwezindleko.
Isimo: $50 ($55 nge-Live)
Le nguqulo iyafana ne-Deluxe kodwa yengeza inketho yokubika ukutshalwa kwezimali kanye nanoma iyiphi imali engenayo yokuqasha.
Isimo: $50 ($55 nge-Live)
Okufanayo nenguqulo kaNdunankulu, kodwa ihlanganisa imali engenayo yebhizinisi nezindleko, kanye nokubanjwa kwehhovisi lasekhaya. Ungakwazi futhi ukuyivumelanisa ne-Square, i-Lyft ne-Uber ukuze ungenise izindleko.
Isakhiwo sentengo ye-H&R Block siwohloka kanje:
Isimo: $0
Le nguqulo ikuvumela ukuthi ugcwalise imbuyiselo yentela elula (okusho ukuthi uhlela ukufuna noma yiziphi izimali ezibanjwayo ezingaphezu kwezingajwayelekile, ikhredithi yentela ezuziwe nekhredithi yentela yezingane), ngaphezu kwamashejuli 1 no-3 mahhala.
Isimo: $0
Lokhu kuyafana nenguqulo yamahhala, ngaphandle kokuthi uyakwazi ukufinyelela ochwepheshe bentela be-H&R Block ukuze uthole usizo lwentela olufunekayo.
Isimo: $36.99
Le nguqulo ikuvumela ukuthi ubhale futhi ufune ukudonswa kwentela okwengeziwe kanye namakhredithi.
Isimo: $36.99
Le nguqulo icishe ifane neye-Deluxe, kodwa futhi ikuvumela ukuthi ufune indawo eqashisayo nanoma iyiphi imali etholwayo yokutshala imali.
Isimo: $36.99
Ilungele abazimele, osonkontileka abazimele kanye nabanikazi bamabhizinisi amancane, le nguqulo futhi ikuvumela ukuthi ungenise noma yiziphi izindleko ze-Uber.
I-TurboTax vs. H&R Block: Izinketho Zamahhala
Uma okufanele uziphendulele yiholo lakho le-W-2, ikhredithi yentela engenayo ezuziwe noma ikhredithi yentela yengane, kokubili i-TurboTax ne-H&R Block zikukhave ngezinguqulo zamahhala zesofthiwe yazo yentela.
Kodwa uhlelo lokugcwalisa intela lwamahhala lwe-H&R Block luza nenzuzo eyengeziwe: Inketho yokufayela amashejuli 1 no-3 efomu 1040, eliwusizo—futhi ngokuvamile elidingeka—kubakhokhi bentela okudingeka baziphendulele ngokudonswa kwemali okuvamile njengezinkokhelo zezindlu, inzalo yemali mboleko yomfundi, imali engenayo yebhizinisi, isondlo, izindleko zokunakekela obondliwa nokunye.
I-TurboTax vs. H&R Vimba: Ubungane Bomsebenzisi
Ifomethi yombuzo nezimpendulo yesofthiwe ye-TurboTax isezingeni eliphezulu ngempela. Kwenza ukugcwalisa imbuyiselo yakho yentela kuzizwe kuyingxoxo kancane kunokuhamba umugqa ngomugqa ngemali engenayo ezuziwe kanye nezindleko nokubanjwa.
Sekushiwo lokho, kokubili i-TurboTax ne-H&R Block zinikeza ulwazi olulula noluqondile lwabasebenzisi olubeka ngisho nabakhokhi bentela abaqalayo esihlalweni somshayeli. (Ukufinyelela olwazini olufana nezifundo zevidiyo noma izindatshana ezinamathiphu asheshayo nemininingwane yochwepheshe kutholakala kalula kuwo womabili amasayithi.)
Ngaphezu kwalokho, zombili lezi zinsizakalo zikuvumela ukuthi ubone ukudonswa kwemali okuhlukahlukene kuthatha imbuyiselo yakho ngesikhathi sangempela usebenzisa ithikha phezulu esikrinini.
I-TurboTax vs. H&R Block: Isevisi Yekhasimende
Nge-TurboTax, bonke abasebenzisi banokufinyelela ku-chatbot noma ifomu lokuxhumana lemibuzo yobuchwepheshe evelayo ngenkathi usebenzisa inkundla. Kodwa uma uzitholela i-TurboTax Live, kulapho isevisi icula khona. Shayela uchwepheshe we-TurboTax ngawo wonke amahora ebusuku (yize ungalindela izikhathi ezinde zokulinda ngokushesha nje lapho kufika u-April 15) noma wenze i-aphoyintimenti kusenesikhathi ukuze ubuyekeze imbuyiselo yakho. Usizo lunikezwa nge-screenshare lapho futhi uthola khona ukubona ubuso be-CPA yakho (abakwazi ukukubona, isikrini sakho kuphela).
Kulo nyaka, ungakwazi futhi ukungena ku-TurboTax Full Service, okusho ukuthi ulayisha amadokhumenti akho entela kuphothali evikelekile futhi umuntu wangempela ophilayo—owabelwe ngokusekelwe ezidingweni zakho ezithile zentela—uhlanganisa imbuyiselo yakho ukuze akhokhe. (Izintengo ziqala ku-$130 ezimbuyiselweni zombuso kanye no-$45 wesifunda.) Uzoba nekholi yevidiyo ekuqaleni, bese futhi lapho ukubuyisela kwakho sekulungele ukufakwa.
I-H&R Block iyaqhudelana kahle lapha. Iphakheji yabo entsha sha ye-Online Assist isebenza njenge-TurboTax Live, ikunikeza ukufinyelela lapho kudingeka khona kanye nezikhathi zokwabelana ngesikrini nge-CPA ngenkokhelo eyengeziwe.
I-H&R Block iphinde inikeze ngesevisi yayo Yokubuyekeza I-Tax Pro (izintengo ziqala ku-$40), ehlinzeka ngokubuyekezwa komuntu ngamunye kwembuyiselo yakho ukuze kuhlolwe amaphutha ngaphambi kokuthi ufake ifayela kanye nokubanjwa okugejiwe noma amakhredithi. Ungakwazi ngisho nokucela uchwepheshe bentela ofanayo oke wawasebenzisa eminyakeni edlule—inzuzo yawo wonke umuntu onentshisekelo yokwakha ubuhlobo lapha. Kodwa nge-H&R Block, futhi unenketho yokuhlangana mathupha nochwepheshe bentela kwenye yezindawo zabo eziningi zezitini nodaka. (FYI, ukuqokwa komuntu mathupha kuqala ku-$69.)
I-TurboTax vs. H&R Block: Coronavirus Resources
Kokubili i-TurboTax ne-H&R Block, ochwepheshe bentela bazazi kahle izici ezihlobene ne-COVID-19 ezingase zithinte noma zingathinti izintela zakho ngo-2020. (Kungakhathalekile ukuthi ukhetha yiphi inguqulo yentela, zombili lezi zinsizakalo zikufaka phakathi lokhu ekugcwaliseni kwakho, futhi.) Kungakhathaliseki ukuthi lokhu kusho ukuthi, ukuntuleka kwemisebenzi okufanele uziphendulele noma ukuthi isheke le-stimulus lizoyithinta kanjani imbuyiselo yakho, ungalindela ulwazi oluningi kuzo zombili izindawo kuyo yonke indawo. (I-TurboTax inezincazelo ezithile lapha ; H&R Block lapha .)
Ngokuqondene nezindawo ze-H&R Block zezitini nodaka, zivulekele isikhathi sokuqokwa komuntu mathupha kule sizini yentela, kodwa uzodinga ukuhlola ukuze uqiniseke ukuthi izinsizakalo azithintwa ukukhiya noma eminye imikhawulo yebhizinisi esekelwe ezinombolweni zamacala endaweni yakini. Kusetshenziswa imihlahlandlela eqinile yokuqhela emphakathini, kanye nokugqoka imaski kanye amanye amaphrothokholi okuphepha .
I-TurboTax vs. H&R Block: Yikuphi Okukulungele?
Zombili lezi zinsizakalo ziyaqhudelana kulo nyaka, uma kunikezwe i-H&R Block yengeze i-Online Assist (umnikelo ofana kakhulu ne-TurboTax Live). Mayelana nokuthi kungani ungakhetha isevisi eyodwa phezu kwenye, i-H&R Block ilungele wonke umuntu ofuna inketho yomuntu mathupha kanye nesakhiwo samanani esincintisana kakhulu. Baphinde banikele ngezinsiza ezibanzi enguqulweni yabo yamahhala.
Noma kunjalo, i-TurboTax igqamile ngobungane bayo bomsebenzisi. Ifomethi yabo ye-Q&A yomibili ayinamthungo ukuyizulazula futhi ibanzi. (Kunzima ukuncintisana nalokho lapho izintela ziyinkimbinkimbi kakhulu, ikakhulukazi onyakeni owubhubhane.)
Ekupheleni kosuku, kuza kokuncamelayo komuntu siqu...noma izindleko eziphelele.
OKUhlobene: Izinto Eziyisi-7 Engase Zishintshe Ezintela Zakho Ngo-2020
Isimo:
Isikhathi sentela siphezu kwethu futhi, kusukela manje, umnqamulajuqu ka-April 15 ngeke unwetshwe ngo-2021. Kodwa nakuba cishe wonke ama-aphoyintimenti—ngisho nalawo asehhovisi lezitini nodaka lomgcini-akhawunti wakho—azoqhutshwa cishe kulo nyaka, izinkundla ezifana I-TurboTax futhi H&R Block ziseyizinga legolide uma kuziwa ezimbuyiselweni zentela eziku-inthanethi ezisebenziseka kalula nezisebenziseka kalula. Kodwa iyiphi insizakalo ekufanele? Sihlukanisa ukufana nokwehluka phakathi kwamasayithi womabili.
I-TurboTax vs. H&R Block
Manje njengoba i-H&R Block yengeze i-Online Assist, inketho yokuxoxa cishe nochwepheshe bentela ngokufunwa (kanye nemali eyengeziwe), maningi amathuba okuba baqhudelane ne-TurboTax uma kuziwa ezinsizeni zabo zentela. Noma kunjalo, kukhona ukuhlukaniswa okumbalwa okubalulekile. I-TurboTax yaziwa ngefomethi yayo yemibuzo nezimpendulo, okwenza ukugcwalisa imbuyiselo yentela kuzizwe kuyinkimbinkimbi kakhulu kunalokho okuvame ukuba yikho. Ngakolunye uhlangothi, i-H&R Block inezindawo ezingaphezu kuka-11,000 zezitini nodaka, okusho ukuthi ukuxoxa ne-IRL nochwepheshe kuyinketho noma nini lapho usendleleni.
I-TurboTax
I-TurboTax kade yaba khona kusukela ngeminyaka yawo-1980s futhi ithandwa kakhulu ngesixhumi esibonakalayo esihlanzekile nesisekelwe embuzweni kanye neqiniso lokuthi ivumelanisa ngaphandle komthungo ne-Quickbooks, ephethwe yi-Intuit (inkampani yesofthiwe yezezimali ebuye ibe ngeye-TurboTax). Kukhona futhi inqwaba yezinketho zokugcwalisa okubonakalayo ngesilinganiso samanani esishelelayo, kuye ngezidingo zakho zentela.
Izici ezivelele ze-TurboTax zifaka:
H&R Block
H&R Block yethulwa okokuqala ngeminyaka yawo-1950s futhi ibilokhu yenza izintela zaseMelika kusukela lapho, inezindawo ezibonakalayo ezingaphezu kuka-11,000 ezweni lonke. Kodwa izinketho ezibonakalayo ziningi, futhi, futhi kufana ne-TurboTax, amazinga ahlukene okusekela ayanikezwa (futhi, nohlu lokushelelayo lwezindleko) ngokusekelwe ekutheni isimo sakho sentela singaba nzima kangakanani.
Izici ezivelele ze-H&R Block zifaka:
Ukubuka konke kwe-TurboTax
Ngezindlela eziningi, i-TurboTax ifana nje nezentengiso—isitayela esibonakalayo se-Q&A sizizwa siyingxoxo njengoba uqedela ingxenye ngayinye yembuyiselo yakho. Ingabe uthenge ikhaya kulo nyaka? Unezingane? Indlela ophendula ngayo isiza i-TurboTax ikhiqize amafomu asebenza kakhulu empilweni yakho kanye nesimo sakho sentela.
Uma ugcwalisa imbuyiselo elula (ngokujwayelekile leyo ehlanganisa imali engenayo ye-W-2, amakhredithi entela yezingane, njll.), inguqulo yamahhala ye-TurboTax kufanele yanele. Kodwa uma unengane ekolishi (okungukuthi, ukudonswa kwentela okuhlobene nemfundo) noma izinzuzo ezinkulu nokulahlekelwa ukuze ubike noma imali engenayo yokutshalwa kwezimali, uzodinga ukuthuthukela kolunye lwezinhlelo zabo eziklanyelwe ukuphatha izintela eziyinkimbinkimbi kakhulu. (Imininingwane eyengeziwe mayelana nesakhiwo samanani se-TurboTax ingezansi.)
Okuhle nge-TurboTax ukuthi ihlanganisa inketho yokungenisa ulwazi lwentela lwangonyaka odlule noma ngabe usebenzise i-TurboTax noma cha. (Lokhu kusiza ukwenza lula nokonga isikhathi sisonke.) Kukhona nesici se-TurboTax CompleteCheck (esincomayo) esiskena amaphutha emizuzu yokugcina ngaphambi kokuthi ufake ifayela.
Ibhonasi: Uma uthatha isinqumo sokusebenzisa inguqulo ebukhoma ye-TurboTax, uzothola usizo lwevidiyo olufunekayo oluvela ku-CPA ezokwenza ukubuyekezwa komugqa nomugqa wembuyiselo yakho ngaphezu kokuphendula noma yimiphi imibuzo eyodwa ngesikhathi. Kukhona futhi inketho entsha sha yokubuyisela yonke imbuyiselo yakho (cishe) kumgcini mabhuku ongeke alungisele imbuyiselo yakho kuphela, kodwa akufake i-ping uma sekuyisikhathi sokusayina i-imeyili.
Amanye amathuluzi awusizo ahlanganisa:
Indaba ende kafushane: I-TurboTax ihamba phambili ngolwazi lwayo olusebenziseka kalula kanye nohlu lwezinketho zokusekela. Amasevisi ayo asohlangothini lwamanani entengo uma kuqhathaniswa nezimbangi, kodwa ifomethi yombuzo nezimpendulo igqama ngempela mayelana nokwenza lula ukuzizwisa kwentela.
H&R Vimba Uhlolojikelele
Njenge-TurboTax, i-H&R Block inikeza ububanzi bezici ezisebenziseka kalula zokugcwalisa imbuyiselo yakho yentela ku-inthanethi, okuhlanganisa inketho yokuthola usizo olubukhoma (nokufuneka) oluvela kuchwepheshe bentela noma nini lapho uludinga phakathi nenqubo ukuze uthole izindleko ezengeziwe.
I-interface kulula ukuyisebenzisa, futhi. I-H&R Block ikuhambisa ngokucacile emalini yakho engenayo, emalini ebanjwayo namakhredithi, kanye nezimo ezikhethekile, ngaphambi kokufaka ifayela ngezinkinobho zokufunda ezengeziwe ezitholakalayo ukuchaza yonke imibuzo eyinkimbinkimbi.
Nge-H&R Block, inketho yabo yamahhala—enhle kunoma ubani oneholo le-W-2 ukuthi abike kanye nokufaneleka kwekhredithi yentela yezingane noma ikhredithi yentela ezuziwe noma imali engenayo yokungasebenzi—iyakhanya ngempela. Iphinde ikuvumela ukuthi ugcwalise amashejuli 1 kanye no-3 efomu 1040, ibhonasi njengoba, ezimweni eziningi, uzodinga lawa mafomu ukuze ukhiphe inzalo yemali ebolekiwe, isondlo kanye neminikelo ethile yomhlalaphansi. Sekushiwo lokho, kunoma ubani odinga ukwenza imali ebanjwayo (athi, unemali engenayo yokuziqasha ukuze ubike), cishe uzodinga ukutshala enye yezinguqulo zabo ezithuthukisiwe. (Imininingwane eyengeziwe mayelana nesakhiwo samanani se-H&R Block ingezansi.)
Ubungcweti obutholakalayo bentela obunikezwa i-H&R Block busukela kokuqukethwe kwentela okuseshekayo (cabanga ngamavidiyo okufundisa) kuya kusizo lwentela yomuntu ngamunye olusuka ku-CPA yangempela. Uhlelo lwabo olusha sha lwe-Online Assist lwenza izinsizakalo zabo zincintisane kakhulu ne-TurboTax ngoba manje usungakwazi ukukhokhela iseluleko sentela esifunekayo (ukwabelana ngesikrini kufakiwe) nge-CPA nganoma yisiphi isikhathi phakathi nenqubo yakho yokufaka. (Khumbula nje ukuthi ochwepheshe bakwa-H&R Block ngeke bakubuyekeze, bakusayine noma bakuthumelele i-e-file imbuyiselo yakho.)
Okokugcina, njenge-TurboTax, i-H&R Block ikunikeza inketho yokungenisa imbuyiselo yentela yonyaka odlule kunoma yimuphi umhlinzeki (ungase udinge ukulayisha i-PDF, kodwa inqubo ingenazihibe) futhi ikuvumela ukuthi uhlale ubheka yonke imali oyichithile ngesofthiwe usebenzisa i-PDF. ithikha phezulu (iwusizo uma uvele washayisa isivimbamgwaqo ekubuyiseleni kwakho bese unquma ukucela usizo lomunye wochwepheshe babo bentela empeleni).
Amanye amathuluzi awusizo ahlanganisa:
Indaba ende kafushane: I-H&R Block ihamba phambili ngohlu lwayo lwezinketho—okuhlanganisa nekhono lokuhlangana ne-CPA empilweni yangempela. Iphinde ibe nesakhiwo samanani esincintisana kakhulu kune-TurboTax.
I-TurboTax vs. H&R Vimba: Izindleko
Ekupheleni kosuku, i-H&R Block ibiza ngaphansi kwe-TurboTax, kodwa iphakheji ngayinye inikeza izici ezihlukahlukene, ngakho ukukhetha kuza kuwe kanye nezidingo zakho zentela.
Isakhiwo samanani e-TurboTax siwohloka kanje:
Isimo: $0
Kuhle kakhulu ezimbuyiselweni zentela ezilula (okusho ukuthi uhlela ukufaka isicelo sokudonswa kwemali okungaphezu kwesilinganiso, isikweletu sentela ezuziwe kanye nekhredithi yentela yezingane), le nguqulo ikuvumela ukuthi ufake inombolo engu-1040 kanye nembuyiselo yezwe mahhala.
Isimo: $0
Okuwukuphela kwento ehlukanisa lokhu enguqulweni yamahhala ukuthi ihlanganisa ukufinyelela kwevidiyo efunwa kakhulu kuchwepheshe wentela.
Isimo: $50 ($55 nge-Live)
Ilungele noma ubani oncamela ukubhala imbuyiselo yakhe yentela, kanye nokufuna ezinye izimali ezibanjwayo ezimbalwa kanye namakhredithi entela, futhi. Futhi, kuyasiza uma unemali engenayo yebhizinisi ngaphandle kwezindleko.
Isimo: $50 ($55 nge-Live)
Le nguqulo iyafana ne-Deluxe kodwa yengeza inketho yokubika ukutshalwa kwezimali kanye nanoma iyiphi imali engenayo yokuqasha.
Isimo: $50 ($55 nge-Live)
Okufanayo nenguqulo kaNdunankulu, kodwa ihlanganisa imali engenayo yebhizinisi nezindleko, kanye nokubanjwa kwehhovisi lasekhaya. Ungakwazi futhi ukuyivumelanisa ne-Square, i-Lyft ne-Uber ukuze ungenise izindleko.
Isakhiwo sentengo ye-H&R Block siwohloka kanje:
Isimo: $0
Le nguqulo ikuvumela ukuthi ugcwalise imbuyiselo yentela elula (okusho ukuthi uhlela ukufuna noma yiziphi izimali ezibanjwayo ezingaphezu kwezingajwayelekile, ikhredithi yentela ezuziwe nekhredithi yentela yezingane), ngaphezu kwamashejuli 1 no-3 mahhala.
Isimo: $0
Lokhu kuyafana nenguqulo yamahhala, ngaphandle kokuthi uyakwazi ukufinyelela ochwepheshe bentela be-H&R Block ukuze uthole usizo lwentela olufunekayo.
Isimo: $36.99
Le nguqulo ikuvumela ukuthi ubhale futhi ufune ukudonswa kwentela okwengeziwe kanye namakhredithi.
Isimo: $36.99
Le nguqulo icishe ifane neye-Deluxe, kodwa futhi ikuvumela ukuthi ufune indawo eqashisayo nanoma iyiphi imali etholwayo yokutshala imali.
Isimo: $36.99
Ilungele abazimele, osonkontileka abazimele kanye nabanikazi bamabhizinisi amancane, le nguqulo futhi ikuvumela ukuthi ungenise noma yiziphi izindleko ze-Uber.
I-TurboTax vs. H&R Block: Izinketho Zamahhala
Uma okufanele uziphendulele yiholo lakho le-W-2, ikhredithi yentela engenayo ezuziwe noma ikhredithi yentela yengane, kokubili i-TurboTax ne-H&R Block zikukhave ngezinguqulo zamahhala zesofthiwe yazo yentela.
Kodwa uhlelo lokugcwalisa intela lwamahhala lwe-H&R Block luza nenzuzo eyengeziwe: Inketho yokufayela amashejuli 1 no-3 efomu 1040, eliwusizo—futhi ngokuvamile elidingeka—kubakhokhi bentela okudingeka baziphendulele ngokudonswa kwemali okuvamile njengezinkokhelo zezindlu, inzalo yemali mboleko yomfundi, imali engenayo yebhizinisi, isondlo, izindleko zokunakekela obondliwa nokunye.
I-TurboTax vs. H&R Vimba: Ubungane Bomsebenzisi
Ifomethi yombuzo nezimpendulo yesofthiwe ye-TurboTax isezingeni eliphezulu ngempela. Kwenza ukugcwalisa imbuyiselo yakho yentela kuzizwe kuyingxoxo kancane kunokuhamba umugqa ngomugqa ngemali engenayo ezuziwe kanye nezindleko nokubanjwa.
Sekushiwo lokho, kokubili i-TurboTax ne-H&R Block zinikeza ulwazi olulula noluqondile lwabasebenzisi olubeka ngisho nabakhokhi bentela abaqalayo esihlalweni somshayeli. (Ukufinyelela olwazini olufana nezifundo zevidiyo noma izindatshana ezinamathiphu asheshayo nemininingwane yochwepheshe kutholakala kalula kuwo womabili amasayithi.)
Ngaphezu kwalokho, zombili lezi zinsizakalo zikuvumela ukuthi ubone ukudonswa kwemali okuhlukahlukene kuthatha imbuyiselo yakho ngesikhathi sangempela usebenzisa ithikha phezulu esikrinini.
I-TurboTax vs. H&R Block: Isevisi Yekhasimende
Nge-TurboTax, bonke abasebenzisi banokufinyelela ku-chatbot noma ifomu lokuxhumana lemibuzo yobuchwepheshe evelayo ngenkathi usebenzisa inkundla. Kodwa uma uzitholela i-TurboTax Live, kulapho isevisi icula khona. Shayela uchwepheshe we-TurboTax ngawo wonke amahora ebusuku (yize ungalindela izikhathi ezinde zokulinda ngokushesha nje lapho kufika u-April 15) noma wenze i-aphoyintimenti kusenesikhathi ukuze ubuyekeze imbuyiselo yakho. Usizo lunikezwa nge-screenshare lapho futhi uthola khona ukubona ubuso be-CPA yakho (abakwazi ukukubona, isikrini sakho kuphela).
Kulo nyaka, ungakwazi futhi ukungena ku-TurboTax Full Service, okusho ukuthi ulayisha amadokhumenti akho entela kuphothali evikelekile futhi umuntu wangempela ophilayo—owabelwe ngokusekelwe ezidingweni zakho ezithile zentela—uhlanganisa imbuyiselo yakho ukuze akhokhe. (Izintengo ziqala ku-$130 ezimbuyiselweni zombuso kanye no-$45 wesifunda.) Uzoba nekholi yevidiyo ekuqaleni, bese futhi lapho ukubuyisela kwakho sekulungele ukufakwa.
I-H&R Block iyaqhudelana kahle lapha. Iphakheji yabo entsha sha ye-Online Assist isebenza njenge-TurboTax Live, ikunikeza ukufinyelela lapho kudingeka khona kanye nezikhathi zokwabelana ngesikrini nge-CPA ngenkokhelo eyengeziwe.
I-H&R Block iphinde inikeze ngesevisi yayo Yokubuyekeza I-Tax Pro (izintengo ziqala ku-$40), ehlinzeka ngokubuyekezwa komuntu ngamunye kwembuyiselo yakho ukuze kuhlolwe amaphutha ngaphambi kokuthi ufake ifayela kanye nokubanjwa okugejiwe noma amakhredithi. Ungakwazi ngisho nokucela uchwepheshe bentela ofanayo oke wawasebenzisa eminyakeni edlule—inzuzo yawo wonke umuntu onentshisekelo yokwakha ubuhlobo lapha. Kodwa nge-H&R Block, futhi unenketho yokuhlangana mathupha nochwepheshe bentela kwenye yezindawo zabo eziningi zezitini nodaka. (FYI, ukuqokwa komuntu mathupha kuqala ku-$69.)
I-TurboTax vs. H&R Block: Coronavirus Resources
Kokubili i-TurboTax ne-H&R Block, ochwepheshe bentela bazazi kahle izici ezihlobene ne-COVID-19 ezingase zithinte noma zingathinti izintela zakho ngo-2020. (Kungakhathalekile ukuthi ukhetha yiphi inguqulo yentela, zombili lezi zinsizakalo zikufaka phakathi lokhu ekugcwaliseni kwakho, futhi.) Kungakhathaliseki ukuthi lokhu kusho ukuthi, ukuntuleka kwemisebenzi okufanele uziphendulele noma ukuthi isheke le-stimulus lizoyithinta kanjani imbuyiselo yakho, ungalindela ulwazi oluningi kuzo zombili izindawo kuyo yonke indawo. (I-TurboTax inezincazelo ezithile lapha ; H&R Block lapha .)
Ngokuqondene nezindawo ze-H&R Block zezitini nodaka, zivulekele isikhathi sokuqokwa komuntu mathupha kule sizini yentela, kodwa uzodinga ukuhlola ukuze uqiniseke ukuthi izinsizakalo azithintwa ukukhiya noma eminye imikhawulo yebhizinisi esekelwe ezinombolweni zamacala endaweni yakini. Kusetshenziswa imihlahlandlela eqinile yokuqhela emphakathini, kanye nokugqoka imaski kanye amanye amaphrothokholi okuphepha .
I-TurboTax vs. H&R Block: Yikuphi Okukulungele?
Zombili lezi zinsizakalo ziyaqhudelana kulo nyaka, uma kunikezwe i-H&R Block yengeze i-Online Assist (umnikelo ofana kakhulu ne-TurboTax Live). Mayelana nokuthi kungani ungakhetha isevisi eyodwa phezu kwenye, i-H&R Block ilungele wonke umuntu ofuna inketho yomuntu mathupha kanye nesakhiwo samanani esincintisana kakhulu. Baphinde banikele ngezinsiza ezibanzi enguqulweni yabo yamahhala.
Noma kunjalo, i-TurboTax igqamile ngobungane bayo bomsebenzisi. Ifomethi yabo ye-Q&A yomibili ayinamthungo ukuyizulazula futhi ibanzi. (Kunzima ukuncintisana nalokho lapho izintela ziyinkimbinkimbi kakhulu, ikakhulukazi onyakeni owubhubhane.)
Ekupheleni kosuku, kuza kokuncamelayo komuntu siqu...noma izindleko eziphelele.
OKUhlobene: Izinto Eziyisi-7 Engase Zishintshe Ezintela Zakho Ngo-2020
Le nguqulo ikuvumela ukuthi ugcwalise imbuyiselo yentela elula (okusho ukuthi uhlela ukufuna noma yiziphi izimali ezibanjwayo ezingaphezu kwezingajwayelekile, ikhredithi yentela ezuziwe nekhredithi yentela yezingane), ngaphezu kwamashejuli 1 no-3 mahhala.
Isimo:
Isikhathi sentela siphezu kwethu futhi, kusukela manje, umnqamulajuqu ka-April 15 ngeke unwetshwe ngo-2021. Kodwa nakuba cishe wonke ama-aphoyintimenti—ngisho nalawo asehhovisi lezitini nodaka lomgcini-akhawunti wakho—azoqhutshwa cishe kulo nyaka, izinkundla ezifana I-TurboTax futhi H&R Block ziseyizinga legolide uma kuziwa ezimbuyiselweni zentela eziku-inthanethi ezisebenziseka kalula nezisebenziseka kalula. Kodwa iyiphi insizakalo ekufanele? Sihlukanisa ukufana nokwehluka phakathi kwamasayithi womabili.
I-TurboTax vs. H&R Block
Manje njengoba i-H&R Block yengeze i-Online Assist, inketho yokuxoxa cishe nochwepheshe bentela ngokufunwa (kanye nemali eyengeziwe), maningi amathuba okuba baqhudelane ne-TurboTax uma kuziwa ezinsizeni zabo zentela. Noma kunjalo, kukhona ukuhlukaniswa okumbalwa okubalulekile. I-TurboTax yaziwa ngefomethi yayo yemibuzo nezimpendulo, okwenza ukugcwalisa imbuyiselo yentela kuzizwe kuyinkimbinkimbi kakhulu kunalokho okuvame ukuba yikho. Ngakolunye uhlangothi, i-H&R Block inezindawo ezingaphezu kuka-11,000 zezitini nodaka, okusho ukuthi ukuxoxa ne-IRL nochwepheshe kuyinketho noma nini lapho usendleleni.
I-TurboTax
I-TurboTax kade yaba khona kusukela ngeminyaka yawo-1980s futhi ithandwa kakhulu ngesixhumi esibonakalayo esihlanzekile nesisekelwe embuzweni kanye neqiniso lokuthi ivumelanisa ngaphandle komthungo ne-Quickbooks, ephethwe yi-Intuit (inkampani yesofthiwe yezezimali ebuye ibe ngeye-TurboTax). Kukhona futhi inqwaba yezinketho zokugcwalisa okubonakalayo ngesilinganiso samanani esishelelayo, kuye ngezidingo zakho zentela.
Izici ezivelele ze-TurboTax zifaka:
H&R Block
H&R Block yethulwa okokuqala ngeminyaka yawo-1950s futhi ibilokhu yenza izintela zaseMelika kusukela lapho, inezindawo ezibonakalayo ezingaphezu kuka-11,000 ezweni lonke. Kodwa izinketho ezibonakalayo ziningi, futhi, futhi kufana ne-TurboTax, amazinga ahlukene okusekela ayanikezwa (futhi, nohlu lokushelelayo lwezindleko) ngokusekelwe ekutheni isimo sakho sentela singaba nzima kangakanani.
Izici ezivelele ze-H&R Block zifaka:
Ukubuka konke kwe-TurboTax
Ngezindlela eziningi, i-TurboTax ifana nje nezentengiso—isitayela esibonakalayo se-Q&A sizizwa siyingxoxo njengoba uqedela ingxenye ngayinye yembuyiselo yakho. Ingabe uthenge ikhaya kulo nyaka? Unezingane? Indlela ophendula ngayo isiza i-TurboTax ikhiqize amafomu asebenza kakhulu empilweni yakho kanye nesimo sakho sentela.
Uma ugcwalisa imbuyiselo elula (ngokujwayelekile leyo ehlanganisa imali engenayo ye-W-2, amakhredithi entela yezingane, njll.), inguqulo yamahhala ye-TurboTax kufanele yanele. Kodwa uma unengane ekolishi (okungukuthi, ukudonswa kwentela okuhlobene nemfundo) noma izinzuzo ezinkulu nokulahlekelwa ukuze ubike noma imali engenayo yokutshalwa kwezimali, uzodinga ukuthuthukela kolunye lwezinhlelo zabo eziklanyelwe ukuphatha izintela eziyinkimbinkimbi kakhulu. (Imininingwane eyengeziwe mayelana nesakhiwo samanani se-TurboTax ingezansi.)
Okuhle nge-TurboTax ukuthi ihlanganisa inketho yokungenisa ulwazi lwentela lwangonyaka odlule noma ngabe usebenzise i-TurboTax noma cha. (Lokhu kusiza ukwenza lula nokonga isikhathi sisonke.) Kukhona nesici se-TurboTax CompleteCheck (esincomayo) esiskena amaphutha emizuzu yokugcina ngaphambi kokuthi ufake ifayela.
Ibhonasi: Uma uthatha isinqumo sokusebenzisa inguqulo ebukhoma ye-TurboTax, uzothola usizo lwevidiyo olufunekayo oluvela ku-CPA ezokwenza ukubuyekezwa komugqa nomugqa wembuyiselo yakho ngaphezu kokuphendula noma yimiphi imibuzo eyodwa ngesikhathi. Kukhona futhi inketho entsha sha yokubuyisela yonke imbuyiselo yakho (cishe) kumgcini mabhuku ongeke alungisele imbuyiselo yakho kuphela, kodwa akufake i-ping uma sekuyisikhathi sokusayina i-imeyili.
Amanye amathuluzi awusizo ahlanganisa:
Indaba ende kafushane: I-TurboTax ihamba phambili ngolwazi lwayo olusebenziseka kalula kanye nohlu lwezinketho zokusekela. Amasevisi ayo asohlangothini lwamanani entengo uma kuqhathaniswa nezimbangi, kodwa ifomethi yombuzo nezimpendulo igqama ngempela mayelana nokwenza lula ukuzizwisa kwentela.
H&R Vimba Uhlolojikelele
Njenge-TurboTax, i-H&R Block inikeza ububanzi bezici ezisebenziseka kalula zokugcwalisa imbuyiselo yakho yentela ku-inthanethi, okuhlanganisa inketho yokuthola usizo olubukhoma (nokufuneka) oluvela kuchwepheshe bentela noma nini lapho uludinga phakathi nenqubo ukuze uthole izindleko ezengeziwe.
I-interface kulula ukuyisebenzisa, futhi. I-H&R Block ikuhambisa ngokucacile emalini yakho engenayo, emalini ebanjwayo namakhredithi, kanye nezimo ezikhethekile, ngaphambi kokufaka ifayela ngezinkinobho zokufunda ezengeziwe ezitholakalayo ukuchaza yonke imibuzo eyinkimbinkimbi.
Nge-H&R Block, inketho yabo yamahhala—enhle kunoma ubani oneholo le-W-2 ukuthi abike kanye nokufaneleka kwekhredithi yentela yezingane noma ikhredithi yentela ezuziwe noma imali engenayo yokungasebenzi—iyakhanya ngempela. Iphinde ikuvumela ukuthi ugcwalise amashejuli 1 kanye no-3 efomu 1040, ibhonasi njengoba, ezimweni eziningi, uzodinga lawa mafomu ukuze ukhiphe inzalo yemali ebolekiwe, isondlo kanye neminikelo ethile yomhlalaphansi. Sekushiwo lokho, kunoma ubani odinga ukwenza imali ebanjwayo (athi, unemali engenayo yokuziqasha ukuze ubike), cishe uzodinga ukutshala enye yezinguqulo zabo ezithuthukisiwe. (Imininingwane eyengeziwe mayelana nesakhiwo samanani se-H&R Block ingezansi.)
Ubungcweti obutholakalayo bentela obunikezwa i-H&R Block busukela kokuqukethwe kwentela okuseshekayo (cabanga ngamavidiyo okufundisa) kuya kusizo lwentela yomuntu ngamunye olusuka ku-CPA yangempela. Uhlelo lwabo olusha sha lwe-Online Assist lwenza izinsizakalo zabo zincintisane kakhulu ne-TurboTax ngoba manje usungakwazi ukukhokhela iseluleko sentela esifunekayo (ukwabelana ngesikrini kufakiwe) nge-CPA nganoma yisiphi isikhathi phakathi nenqubo yakho yokufaka. (Khumbula nje ukuthi ochwepheshe bakwa-H&R Block ngeke bakubuyekeze, bakusayine noma bakuthumelele i-e-file imbuyiselo yakho.)
Okokugcina, njenge-TurboTax, i-H&R Block ikunikeza inketho yokungenisa imbuyiselo yentela yonyaka odlule kunoma yimuphi umhlinzeki (ungase udinge ukulayisha i-PDF, kodwa inqubo ingenazihibe) futhi ikuvumela ukuthi uhlale ubheka yonke imali oyichithile ngesofthiwe usebenzisa i-PDF. ithikha phezulu (iwusizo uma uvele washayisa isivimbamgwaqo ekubuyiseleni kwakho bese unquma ukucela usizo lomunye wochwepheshe babo bentela empeleni).
Amanye amathuluzi awusizo ahlanganisa:
Indaba ende kafushane: I-H&R Block ihamba phambili ngohlu lwayo lwezinketho—okuhlanganisa nekhono lokuhlangana ne-CPA empilweni yangempela. Iphinde ibe nesakhiwo samanani esincintisana kakhulu kune-TurboTax.
I-TurboTax vs. H&R Vimba: Izindleko
Ekupheleni kosuku, i-H&R Block ibiza ngaphansi kwe-TurboTax, kodwa iphakheji ngayinye inikeza izici ezihlukahlukene, ngakho ukukhetha kuza kuwe kanye nezidingo zakho zentela.
Isakhiwo samanani e-TurboTax siwohloka kanje:
Isimo: $0
Kuhle kakhulu ezimbuyiselweni zentela ezilula (okusho ukuthi uhlela ukufaka isicelo sokudonswa kwemali okungaphezu kwesilinganiso, isikweletu sentela ezuziwe kanye nekhredithi yentela yezingane), le nguqulo ikuvumela ukuthi ufake inombolo engu-1040 kanye nembuyiselo yezwe mahhala.
Isimo: $0
Okuwukuphela kwento ehlukanisa lokhu enguqulweni yamahhala ukuthi ihlanganisa ukufinyelela kwevidiyo efunwa kakhulu kuchwepheshe wentela.
Isimo: $50 ($55 nge-Live)
Ilungele noma ubani oncamela ukubhala imbuyiselo yakhe yentela, kanye nokufuna ezinye izimali ezibanjwayo ezimbalwa kanye namakhredithi entela, futhi. Futhi, kuyasiza uma unemali engenayo yebhizinisi ngaphandle kwezindleko.
Isimo: $50 ($55 nge-Live)
Le nguqulo iyafana ne-Deluxe kodwa yengeza inketho yokubika ukutshalwa kwezimali kanye nanoma iyiphi imali engenayo yokuqasha.
Isimo: $50 ($55 nge-Live)
Okufanayo nenguqulo kaNdunankulu, kodwa ihlanganisa imali engenayo yebhizinisi nezindleko, kanye nokubanjwa kwehhovisi lasekhaya. Ungakwazi futhi ukuyivumelanisa ne-Square, i-Lyft ne-Uber ukuze ungenise izindleko.
Isakhiwo sentengo ye-H&R Block siwohloka kanje:
Isimo: $0
Le nguqulo ikuvumela ukuthi ugcwalise imbuyiselo yentela elula (okusho ukuthi uhlela ukufuna noma yiziphi izimali ezibanjwayo ezingaphezu kwezingajwayelekile, ikhredithi yentela ezuziwe nekhredithi yentela yezingane), ngaphezu kwamashejuli 1 no-3 mahhala.
Isimo: $0
Lokhu kuyafana nenguqulo yamahhala, ngaphandle kokuthi uyakwazi ukufinyelela ochwepheshe bentela be-H&R Block ukuze uthole usizo lwentela olufunekayo.
Isimo: $36.99
Le nguqulo ikuvumela ukuthi ubhale futhi ufune ukudonswa kwentela okwengeziwe kanye namakhredithi.
Isimo: $36.99
Le nguqulo icishe ifane neye-Deluxe, kodwa futhi ikuvumela ukuthi ufune indawo eqashisayo nanoma iyiphi imali etholwayo yokutshala imali.
Isimo: $36.99
Ilungele abazimele, osonkontileka abazimele kanye nabanikazi bamabhizinisi amancane, le nguqulo futhi ikuvumela ukuthi ungenise noma yiziphi izindleko ze-Uber.
I-TurboTax vs. H&R Block: Izinketho Zamahhala
Uma okufanele uziphendulele yiholo lakho le-W-2, ikhredithi yentela engenayo ezuziwe noma ikhredithi yentela yengane, kokubili i-TurboTax ne-H&R Block zikukhave ngezinguqulo zamahhala zesofthiwe yazo yentela.
Kodwa uhlelo lokugcwalisa intela lwamahhala lwe-H&R Block luza nenzuzo eyengeziwe: Inketho yokufayela amashejuli 1 no-3 efomu 1040, eliwusizo—futhi ngokuvamile elidingeka—kubakhokhi bentela okudingeka baziphendulele ngokudonswa kwemali okuvamile njengezinkokhelo zezindlu, inzalo yemali mboleko yomfundi, imali engenayo yebhizinisi, isondlo, izindleko zokunakekela obondliwa nokunye.
I-TurboTax vs. H&R Vimba: Ubungane Bomsebenzisi
Ifomethi yombuzo nezimpendulo yesofthiwe ye-TurboTax isezingeni eliphezulu ngempela. Kwenza ukugcwalisa imbuyiselo yakho yentela kuzizwe kuyingxoxo kancane kunokuhamba umugqa ngomugqa ngemali engenayo ezuziwe kanye nezindleko nokubanjwa.
Sekushiwo lokho, kokubili i-TurboTax ne-H&R Block zinikeza ulwazi olulula noluqondile lwabasebenzisi olubeka ngisho nabakhokhi bentela abaqalayo esihlalweni somshayeli. (Ukufinyelela olwazini olufana nezifundo zevidiyo noma izindatshana ezinamathiphu asheshayo nemininingwane yochwepheshe kutholakala kalula kuwo womabili amasayithi.)
Ngaphezu kwalokho, zombili lezi zinsizakalo zikuvumela ukuthi ubone ukudonswa kwemali okuhlukahlukene kuthatha imbuyiselo yakho ngesikhathi sangempela usebenzisa ithikha phezulu esikrinini.
I-TurboTax vs. H&R Block: Isevisi Yekhasimende
Nge-TurboTax, bonke abasebenzisi banokufinyelela ku-chatbot noma ifomu lokuxhumana lemibuzo yobuchwepheshe evelayo ngenkathi usebenzisa inkundla. Kodwa uma uzitholela i-TurboTax Live, kulapho isevisi icula khona. Shayela uchwepheshe we-TurboTax ngawo wonke amahora ebusuku (yize ungalindela izikhathi ezinde zokulinda ngokushesha nje lapho kufika u-April 15) noma wenze i-aphoyintimenti kusenesikhathi ukuze ubuyekeze imbuyiselo yakho. Usizo lunikezwa nge-screenshare lapho futhi uthola khona ukubona ubuso be-CPA yakho (abakwazi ukukubona, isikrini sakho kuphela).
Kulo nyaka, ungakwazi futhi ukungena ku-TurboTax Full Service, okusho ukuthi ulayisha amadokhumenti akho entela kuphothali evikelekile futhi umuntu wangempela ophilayo—owabelwe ngokusekelwe ezidingweni zakho ezithile zentela—uhlanganisa imbuyiselo yakho ukuze akhokhe. (Izintengo ziqala ku-$130 ezimbuyiselweni zombuso kanye no-$45 wesifunda.) Uzoba nekholi yevidiyo ekuqaleni, bese futhi lapho ukubuyisela kwakho sekulungele ukufakwa.
I-H&R Block iyaqhudelana kahle lapha. Iphakheji yabo entsha sha ye-Online Assist isebenza njenge-TurboTax Live, ikunikeza ukufinyelela lapho kudingeka khona kanye nezikhathi zokwabelana ngesikrini nge-CPA ngenkokhelo eyengeziwe.
I-H&R Block iphinde inikeze ngesevisi yayo Yokubuyekeza I-Tax Pro (izintengo ziqala ku-$40), ehlinzeka ngokubuyekezwa komuntu ngamunye kwembuyiselo yakho ukuze kuhlolwe amaphutha ngaphambi kokuthi ufake ifayela kanye nokubanjwa okugejiwe noma amakhredithi. Ungakwazi ngisho nokucela uchwepheshe bentela ofanayo oke wawasebenzisa eminyakeni edlule—inzuzo yawo wonke umuntu onentshisekelo yokwakha ubuhlobo lapha. Kodwa nge-H&R Block, futhi unenketho yokuhlangana mathupha nochwepheshe bentela kwenye yezindawo zabo eziningi zezitini nodaka. (FYI, ukuqokwa komuntu mathupha kuqala ku-$69.)
I-TurboTax vs. H&R Block: Coronavirus Resources
Kokubili i-TurboTax ne-H&R Block, ochwepheshe bentela bazazi kahle izici ezihlobene ne-COVID-19 ezingase zithinte noma zingathinti izintela zakho ngo-2020. (Kungakhathalekile ukuthi ukhetha yiphi inguqulo yentela, zombili lezi zinsizakalo zikufaka phakathi lokhu ekugcwaliseni kwakho, futhi.) Kungakhathaliseki ukuthi lokhu kusho ukuthi, ukuntuleka kwemisebenzi okufanele uziphendulele noma ukuthi isheke le-stimulus lizoyithinta kanjani imbuyiselo yakho, ungalindela ulwazi oluningi kuzo zombili izindawo kuyo yonke indawo. (I-TurboTax inezincazelo ezithile lapha ; H&R Block lapha .)
Ngokuqondene nezindawo ze-H&R Block zezitini nodaka, zivulekele isikhathi sokuqokwa komuntu mathupha kule sizini yentela, kodwa uzodinga ukuhlola ukuze uqiniseke ukuthi izinsizakalo azithintwa ukukhiya noma eminye imikhawulo yebhizinisi esekelwe ezinombolweni zamacala endaweni yakini. Kusetshenziswa imihlahlandlela eqinile yokuqhela emphakathini, kanye nokugqoka imaski kanye amanye amaphrothokholi okuphepha .
I-TurboTax vs. H&R Block: Yikuphi Okukulungele?
Zombili lezi zinsizakalo ziyaqhudelana kulo nyaka, uma kunikezwe i-H&R Block yengeze i-Online Assist (umnikelo ofana kakhulu ne-TurboTax Live). Mayelana nokuthi kungani ungakhetha isevisi eyodwa phezu kwenye, i-H&R Block ilungele wonke umuntu ofuna inketho yomuntu mathupha kanye nesakhiwo samanani esincintisana kakhulu. Baphinde banikele ngezinsiza ezibanzi enguqulweni yabo yamahhala.
Noma kunjalo, i-TurboTax igqamile ngobungane bayo bomsebenzisi. Ifomethi yabo ye-Q&A yomibili ayinamthungo ukuyizulazula futhi ibanzi. (Kunzima ukuncintisana nalokho lapho izintela ziyinkimbinkimbi kakhulu, ikakhulukazi onyakeni owubhubhane.)
Ekupheleni kosuku, kuza kokuncamelayo komuntu siqu...noma izindleko eziphelele.
OKUhlobene: Izinto Eziyisi-7 Engase Zishintshe Ezintela Zakho Ngo-2020
Lokhu kuyafana nenguqulo yamahhala, ngaphandle kokuthi uyakwazi ukufinyelela ochwepheshe bentela be-H&R Block ukuze uthole usizo lwentela olufunekayo.
Isimo: .99
Le nguqulo ikuvumela ukuthi ubhale futhi ufune ukudonswa kwentela okwengeziwe kanye namakhredithi.
Isimo: .99
Le nguqulo icishe ifane neye-Deluxe, kodwa futhi ikuvumela ukuthi ufune indawo eqashisayo nanoma iyiphi imali etholwayo yokutshala imali.
Isimo: .99
Ilungele abazimele, osonkontileka abazimele kanye nabanikazi bamabhizinisi amancane, le nguqulo futhi ikuvumela ukuthi ungenise noma yiziphi izindleko ze-Uber.
I-TurboTax vs. H&R Block: Izinketho Zamahhala
Uma okufanele uziphendulele yiholo lakho le-W-2, ikhredithi yentela engenayo ezuziwe noma ikhredithi yentela yengane, kokubili i-TurboTax ne-H&R Block zikukhave ngezinguqulo zamahhala zesofthiwe yazo yentela.
Kodwa uhlelo lokugcwalisa intela lwamahhala lwe-H&R Block luza nenzuzo eyengeziwe: Inketho yokufayela amashejuli 1 no-3 efomu 1040, eliwusizo—futhi ngokuvamile elidingeka—kubakhokhi bentela okudingeka baziphendulele ngokudonswa kwemali okuvamile njengezinkokhelo zezindlu, inzalo yemali mboleko yomfundi, imali engenayo yebhizinisi, isondlo, izindleko zokunakekela obondliwa nokunye.
I-TurboTax vs. H&R Vimba: Ubungane Bomsebenzisi
Ifomethi yombuzo nezimpendulo yesofthiwe ye-TurboTax isezingeni eliphezulu ngempela. Kwenza ukugcwalisa imbuyiselo yakho yentela kuzizwe kuyingxoxo kancane kunokuhamba umugqa ngomugqa ngemali engenayo ezuziwe kanye nezindleko nokubanjwa.
Sekushiwo lokho, kokubili i-TurboTax ne-H&R Block zinikeza ulwazi olulula noluqondile lwabasebenzisi olubeka ngisho nabakhokhi bentela abaqalayo esihlalweni somshayeli. (Ukufinyelela olwazini olufana nezifundo zevidiyo noma izindatshana ezinamathiphu asheshayo nemininingwane yochwepheshe kutholakala kalula kuwo womabili amasayithi.)
Ngaphezu kwalokho, zombili lezi zinsizakalo zikuvumela ukuthi ubone ukudonswa kwemali okuhlukahlukene kuthatha imbuyiselo yakho ngesikhathi sangempela usebenzisa ithikha phezulu esikrinini.
I-TurboTax vs. H&R Block: Isevisi Yekhasimende
Nge-TurboTax, bonke abasebenzisi banokufinyelela ku-chatbot noma ifomu lokuxhumana lemibuzo yobuchwepheshe evelayo ngenkathi usebenzisa inkundla. Kodwa uma uzitholela i-TurboTax Live, kulapho isevisi icula khona. Shayela uchwepheshe we-TurboTax ngawo wonke amahora ebusuku (yize ungalindela izikhathi ezinde zokulinda ngokushesha nje lapho kufika u-April 15) noma wenze i-aphoyintimenti kusenesikhathi ukuze ubuyekeze imbuyiselo yakho. Usizo lunikezwa nge-screenshare lapho futhi uthola khona ukubona ubuso be-CPA yakho (abakwazi ukukubona, isikrini sakho kuphela).
Kulo nyaka, ungakwazi futhi ukungena ku-TurboTax Full Service, okusho ukuthi ulayisha amadokhumenti akho entela kuphothali evikelekile futhi umuntu wangempela ophilayo—owabelwe ngokusekelwe ezidingweni zakho ezithile zentela—uhlanganisa imbuyiselo yakho ukuze akhokhe. (Izintengo ziqala ku-0 ezimbuyiselweni zombuso kanye no- wesifunda.) Uzoba nekholi yevidiyo ekuqaleni, bese futhi lapho ukubuyisela kwakho sekulungele ukufakwa.
I-H&R Block iyaqhudelana kahle lapha. Iphakheji yabo entsha sha ye-Online Assist isebenza njenge-TurboTax Live, ikunikeza ukufinyelela lapho kudingeka khona kanye nezikhathi zokwabelana ngesikrini nge-CPA ngenkokhelo eyengeziwe.
I-H&R Block iphinde inikeze ngesevisi yayo Yokubuyekeza I-Tax Pro (izintengo ziqala ku-), ehlinzeka ngokubuyekezwa komuntu ngamunye kwembuyiselo yakho ukuze kuhlolwe amaphutha ngaphambi kokuthi ufake ifayela kanye nokubanjwa okugejiwe noma amakhredithi. Ungakwazi ngisho nokucela uchwepheshe bentela ofanayo oke wawasebenzisa eminyakeni edlule—inzuzo yawo wonke umuntu onentshisekelo yokwakha ubuhlobo lapha. Kodwa nge-H&R Block, futhi unenketho yokuhlangana mathupha nochwepheshe bentela kwenye yezindawo zabo eziningi zezitini nodaka. (FYI, ukuqokwa komuntu mathupha kuqala ku-.)
I-TurboTax vs. H&R Block: Coronavirus Resources
Kokubili i-TurboTax ne-H&R Block, ochwepheshe bentela bazazi kahle izici ezihlobene ne-COVID-19 ezingase zithinte noma zingathinti izintela zakho ngo-2020. (Kungakhathalekile ukuthi ukhetha yiphi inguqulo yentela, zombili lezi zinsizakalo zikufaka phakathi lokhu ekugcwaliseni kwakho, futhi.) Kungakhathaliseki ukuthi lokhu kusho ukuthi, ukuntuleka kwemisebenzi okufanele uziphendulele noma ukuthi isheke le-stimulus lizoyithinta kanjani imbuyiselo yakho, ungalindela ulwazi oluningi kuzo zombili izindawo kuyo yonke indawo. (I-TurboTax inezincazelo ezithile lapha ; H&R Block lapha .)
Ngokuqondene nezindawo ze-H&R Block zezitini nodaka, zivulekele isikhathi sokuqokwa komuntu mathupha kule sizini yentela, kodwa uzodinga ukuhlola ukuze uqiniseke ukuthi izinsizakalo azithintwa ukukhiya noma eminye imikhawulo yebhizinisi esekelwe ezinombolweni zamacala endaweni yakini. Kusetshenziswa imihlahlandlela eqinile yokuqhela emphakathini, kanye nokugqoka imaski kanye amanye amaphrothokholi okuphepha .
I-TurboTax vs. H&R Block: Yikuphi Okukulungele?
Zombili lezi zinsizakalo ziyaqhudelana kulo nyaka, uma kunikezwe i-H&R Block yengeze i-Online Assist (umnikelo ofana kakhulu ne-TurboTax Live). Mayelana nokuthi kungani ungakhetha isevisi eyodwa phezu kwenye, i-H&R Block ilungele wonke umuntu ofuna inketho yomuntu mathupha kanye nesakhiwo samanani esincintisana kakhulu. Baphinde banikele ngezinsiza ezibanzi enguqulweni yabo yamahhala.
Noma kunjalo, i-TurboTax igqamile ngobungane bayo bomsebenzisi. Ifomethi yabo ye-Q&A yomibili ayinamthungo ukuyizulazula futhi ibanzi. (Kunzima ukuncintisana nalokho lapho izintela ziyinkimbinkimbi kakhulu, ikakhulukazi onyakeni owubhubhane.)
Ekupheleni kosuku, kuza kokuncamelayo komuntu siqu...noma izindleko eziphelele.
OKUhlobene: Izinto Eziyisi-7 Engase Zishintshe Ezintela Zakho Ngo-2020
