Ixesha lerhafu liphezu kwethu kwaye, ukusukela ngoku, umhla wokugqibela we-15 ka-Epreli awuzukwandiswa ngo-2021. Kodwa ngeli xesha zonke izithuba-nkqu nezo zikwi-ofisi yezitena kunye nodaka-ziya kuqhutywa malunga nalo nyaka, amaqonga afana I-TurboTax kwaye H&R Block zisengumgangatho wegolide xa kufikwa kwiimbuyekezo zerhafu ezisebenziseka lula kunye nezisebenzisekayo kwi-intanethi. Kodwa yeyiphi inkonzo ekulungeleyo? Siqhekeza ukufana kunye nomahluko phakathi kweesayithi zombini.
I-TurboTax vs. H&R Block
Ngoku ukuba i-H & R Block yongeze i-Online Assist, ukhetho lokuthetha ngokuthe ngqo kunye neengcali zerhafu kwimfuno (kunye nentlawulo eyongezelelweyo), banokuthi bakhuphisane neTurboTax xa kuziwa kwiinkonzo zabo zerhafu. Nangona kunjalo, kukho iiyantlukwano ezimbini ezibalulekileyo. I-TurboTax yaziwa ngefomathi yemibuzo kunye neempendulo, eyenza ukuzalisa imbuyekezo yerhafu uzive unzima kakhulu kunokuba iqhele ukuba njalo. Kwi-flip side, i-H&R Block ineendawo ezingaphezu kwe-11,000 zezitena kunye nodaka, okuthetha ukuncokola ne-IRL kunye nengcali lukhetho nangaliphi na ixesha endleleni.
I-TurboTax
I-TurboTax ikhona ukusukela ngeminyaka yoo-1980s kwaye iyathandwa ngenxa yokucoceka kwayo kunye nojongano olusekwe kumbuzo kunye nenyaniso yokuba ingqamanisa ngokungenamthungo kunye ne-Quickbooks, ephethwe yi-Intuit (inkampani yesoftware yezemali eyenzeka nokuba yeyomnini weTurboTax). Kukwakho inkitha yeenketho zokufakela okoqobo kunye nesikali esityibilikayo samaxabiso, kuxhomekeke kwiimfuno zakho zerhafu.
Iimpawu eziphambili zeTurboTax ziquka:
- Ukukwazi ukufaka imbuyekezo yerhafu ye-federal kunye neyelizwe nge-elektroniki okanye ngeposi
- Ukhetho lokubamba irhafu ngoko nangoko nge I-TurboTax Live , kodwa kunye nesanda kusungulwa I-TurboTax Live Inkonzo epheleleyo , ekudibanisa nengcali yerhafu ezinikeleyo enokusingatha yonke imbuyekezo yakho yerhafu, nangona inzima kangakanani (FYI, nganye yezi nkonzo ixabisa umrhumo owongezelelweyo)
- Inketho yoku Khuphela isoftwe ekuvumela ukuba wenze ifayile ye-imeyile
- Umbuzo-nempendulo ujongano olwenza ukuba ukufayila imbuyekezo kube lula kumsebenzisi
H&R Block
H&R Block yaqalwa ngo-1950s kwaye ibisenza iirhafu zaseMelika ukusukela ngoko, ngaphezulu kwe-11,000 yeendawo ezibonakalayo kwilizwe jikelele. Kodwa iinketho ezibonakalayo zininzi, kwaye, kwaye kuninzi njengeTurboTax, amanqanaba ahlukeneyo enkxaso anikezelwayo (kwakhona, kunye noluhlu olusilayidi lweendleko) ngokusekelwe kwindlela enzima ngayo imeko yakho yerhafu.
Iimpawu ezibalaseleyo zeH&R block ziquka:
- Ukukwazi ukufaka imbuyekezo yerhafu ye-federal kunye neyelizwe nge-elektroniki okanye ngeposi
- Inketho yokwayama kubuchwephesha bengcali yerhafu eqinisekisiweyo ngokusebenzisa entsha yabo Inkqubo yoNcedo lwe-Intanethi okanye i-IRL kwenye yezitena ze-H&R Block kunye nodaka, zombini ngentlawulo eyongezelelweyo (qiniseka nje ukuba bajonge izikhokelo zabo zokhuseleko kwi-COVID-19 phambi kokuba wenze idinga lomntu)
- Inketho yoku yeka imbuyekezo yakho yerhafu kwaye uyithathe xa igqityiwe
- Ujongano oluzaliswe ngamaqhosha okufunda ngakumbi ukuze ungahambi kwimbuyekezo yakho yerhafu ukusombulula imibuzo entsonkothileyo.
TurboTax Overview
Ngeendlela ezininzi, iTurboTax ifana nje neentengiso-ujongano lwesitayile se-Q&A luziva luyincoko njengoko ugqibezela icandelo ngalinye lembuyekezo yakho. Ngaba uthenge ikhaya kulo nyaka? Unabantwana? Indlela ophendula ngayo inceda iTurboTax ivelise iifomu ezisebenza kakhulu kubomi bakho nakwimeko yakho yerhafu.
Ukuba ufaka imbuyekezo elula (ngokuqhelekileyo enye ebandakanya ingeniso ye-W-2, iikhredithi zerhafu zabantwana, njl.), Inguqulelo yasimahla yeTurboTax kufuneka yanele. Kodwa ukuba unomntwana ekholejini (o.k.t. ukutsalwa kwerhafu enxulumene nemfundo) okanye inzuzo eyinkunzi kunye nelahleko ukuze unike ingxelo okanye ingeniso yotyalo-mali, kuya kufuneka uphucule uye kwelinye lamahlelo abo alungiselelwe ukujongana neerhafu ezinzima. (Iinkcukacha ezongezelelekileyo malunga nesakhiwo samaxabiso seTurboTax singezantsi.)
Yintoni enhle ngeTurboTax ibandakanya ukhetho lokungenisa ulwazi lwerhafu yonyaka odlulileyo ukuba usebenzise iTurboTax okanye hayi. (Oku kunceda ukwenza lula kunye nokugcina ixesha lilonke.) Kukwakho ne-TurboTax CompleteCheck feature (encomekayo) ehlola iimpazamo zomzuzu wokugqibela ngaphambi kokuba ufake ifayile.
Ibhonasi: Ukuba uthatha isigqibo sokusebenzisa i-TurboTax's Live version, uya kufumana uncedo lwevidiyo olufunwayo oluvela kwi-CPA eya kwenza uphononongo lwembuyekezo yakho ukongeza ekujonganeni nayo nayiphi na imibuzo ephumayo endleleni. Kukwakho nenketho entsha kraca yokunikezela ngembuyekezo yakho yonke (phantse) kumcwangcisi-mali ongayi kulungiselela imbuyekezo yakho kuphela, kodwa akufake i-ping xa ilixesha lokusayina.
Ezinye izixhobo eziluncedo ziquka:
- Ungangenisa ulwazi lwe-W-2 ngokuzenzekelayo kumqeshi wakho ukuba usebenzisana neTurboTax okanye unokuthatha i-pic enokonga ixesha xa kufikwa ekugcwaliseni iinkcukacha eziphindayo njengenombolo yakho yokhuseleko loluntu okanye umhla wokuzalwa (umfanekiso wesithombe usebenza kwamanye amaxwebhu afana nee-1099s ezithile)
- Ukuba ukhuphela uguqulelo lweDeluxe yeTurboTax (okanye ngaphezulu njengeNkulumbuso kunye neepakethe eziziQolileyo), iyangqamana ne-ItsDeductible, eyenza kube lula ukubiza ngokukhawuleza amaxabiso okutsalwa kweempahla ezinikelwe, izinto zasekhaya kunye nokunye.
- Ekuphela kwento oyifunayo kukungena nge-TurboTax- unokufikelela kwimbuyekezo yakho kwilaptop yakho, ifowuni yakho enkosi kwi-app yayo.
Ibali elide elifutshane: I-TurboTax yeyona nto ilungileyo kumava ayo asebenziseka lula kunye noluhlu lweenketho zenkxaso. Iinkonzo zayo zikwicala lamaxabiso xa kuthelekiswa nabakhuphisana nabo, kodwa umbuzo kunye nefomathi yempendulo ngokwenene igqame ngokwemigaqo yokwenza lula amava erhafu.
H&R Block Overview
Kanye njenge-TurboTax, i-H&R Block ibonelela ngoluhlu lweempawu ezisebenziseka lula zokufakela imbuyekezo yakho yerhafu kwi-intanethi, kubandakanywa ukhetho lokufumana uncedo oluphilayo (kunye nolufunwayo) oluvela kwingcali yerhafu nanini na xa ulufuna kuyo yonke inkqubo ngeendleko ezongezelelweyo.
I-interface kulula ukuyisebenzisa, nayo. I-H&R Block ikuhambisa ngokucacileyo kumvuzo wakho, imali exhuzulwayo kunye neekhredithi, kunye neemeko ezizodwa, ngaphambi kokuba ufake ifayile enamaqhosha angakumbi akhoyo okuchaza nayiphi na imibuzo entsonkothileyo.
Nge-H&R Block, ukhetho lwabo lwasimahla-olulungile kuye nabani na onomvuzo we-W-2 ukuba axele kunye nokufanelekela intlawulo yerhafu yomntwana okanye intlawulo yerhafu yengeniso okanye umvuzo ongaphangeliyo-iyakhanya ngokwenene. Ikwakuvumela ukuba ufake iishedyuli 1 kunye ne-3 yefomu ye-1040, ibhonasi kuba, kwiimeko ezininzi, uya kuzifuna ezi fomu ukuze utsale inzala ye-mortgage, i-alimony kunye neminikelo ethile yomhlalaphantsi. Oko kuthethiweyo, kuye nabani na ofuna ukutsalwa kwento (yithi, unengeniso yokuzisebenzela ukuze uxele), kuya kufuneka utyale imali kwenye yeenguqulelo zabo eziphuculweyo. (Iinkcukacha ezongezelelekileyo malunga nesakhiwo samaxabiso se-H&R Block singezantsi.)
Ubuchwephesha berhafu obukhoyo obunikezelwa yi-H&R Block bususela kwisiqulatho serhafu esiphendkayo (cinga iividiyo zokufundisa) ukuya kuncedo lwerhafu lomntu-on-one oluvela kwi-CPA yokwenyani. Inkqubo yabo entsha yoNcedo lwe-Intanethi yenza ukuba iinkonzo zabo zikhuphisane ne-TurboTax njengoko unokuhlawulela ngokungenamkhawulo, iingcebiso zerhafu ezifunwayo (ukwabelana ngesikrini kubandakanywa) kunye ne-CPA nangaliphi na ixesha ngexesha lenkqubo yakho yokufayilisha. (Hlala ukhumbula ukuba i-H&R Block pros ayizukuphonononga, isayine okanye i-e-file imbuyekezo yakho.)
Okokugqibela, njengeTurboTax, iH&R Block ikunika ithuba lokungenisa imbuyekezo yerhafu yonyaka ophelileyo kuye nawuphi na umnikezeli (kunokufuneka ulayishe iPDF, kodwa inkqubo ayinamthungo) kwaye ikuvumela ukuba ugcine iithebhu kwi-software yakho iyonke echithwe ngokusebenzisa iticker phezulu (iluncedo ukuba ngequbuliso ubethe ibhlokhi yendlela kwimbuyekezo yakho kwaye uthathe isigqibo sokucela uncedo kwenye yeenzuzo zabo zerhafu emva kwayo yonke loo nto).
Ezinye izixhobo eziluncedo ziquka:
- Ungangenisa i-W-2 yakho kumqeshi wakho okanye ulayishe ifoto yayo (efanayo noninzi lwee-1099s zakho, ngokuxhomekeke kuguqulelo oluhlawulelwayo), nto leyo-kwakhona-iluncedo lokugcina ixesha.
- I-H&R Vimba iipakethi zerhafu (inqanaba leDeluxe okanye ngaphezulu) sync kunye ne-DeductionPro, eyenza kube lula ukubala ixabiso lezinto eziqhelekileyo zokubhala njengempahla yokunikela, izinto zasekhaya kunye nokunye.
- Kukho i-app yeqabane kwaye ekubeni inkqubo ikwi-intanethi, konke okufunayo kukungena ngemvume ukuze ufikelele kwimbuyekezo yakho nanini na, naphi na.
Ibali elide elifutshane: H & R Block ilungele uluhlu lwayo iinketho-kuquka ukukwazi okunene ukuhlangabezana CPA ebomini bokwenene. Ikwanayo nesakhiwo samaxabiso esinokhuphiswano ngakumbi kuneTurboTax.
I-TurboTax vs. H&R Block: Iindleko
Ekupheleni kosuku, i-H & R Block ixabisa ngaphantsi kweTurboTax, kodwa iphakheji nganye inikezela ngeempawu ezahlukeneyo, ngoko ke ukhetho luza kuwe kunye neemfuno zakho zerhafu.
Ulwakhiwo lwamaxabiso eTurboTax luqhekeka ngolu hlobo:
- Ukukwazi ukufaka imbuyekezo yerhafu ye-federal kunye neyelizwe nge-elektroniki okanye ngeposi
- Ukhetho lokubamba irhafu ngoko nangoko nge I-TurboTax Live , kodwa kunye nesanda kusungulwa I-TurboTax Live Inkonzo epheleleyo , ekudibanisa nengcali yerhafu ezinikeleyo enokusingatha yonke imbuyekezo yakho yerhafu, nangona inzima kangakanani (FYI, nganye yezi nkonzo ixabisa umrhumo owongezelelweyo)
- Inketho yoku Khuphela isoftwe ekuvumela ukuba wenze ifayile ye-imeyile
- Umbuzo-nempendulo ujongano olwenza ukuba ukufayila imbuyekezo kube lula kumsebenzisi
- Ukukwazi ukufaka imbuyekezo yerhafu ye-federal kunye neyelizwe nge-elektroniki okanye ngeposi
- Inketho yokwayama kubuchwephesha bengcali yerhafu eqinisekisiweyo ngokusebenzisa entsha yabo Inkqubo yoNcedo lwe-Intanethi okanye i-IRL kwenye yezitena ze-H&R Block kunye nodaka, zombini ngentlawulo eyongezelelweyo (qiniseka nje ukuba bajonge izikhokelo zabo zokhuseleko kwi-COVID-19 phambi kokuba wenze idinga lomntu)
- Inketho yoku yeka imbuyekezo yakho yerhafu kwaye uyithathe xa igqityiwe
- Ujongano oluzaliswe ngamaqhosha okufunda ngakumbi ukuze ungahambi kwimbuyekezo yakho yerhafu ukusombulula imibuzo entsonkothileyo.
- Ungangenisa ulwazi lwe-W-2 ngokuzenzekelayo kumqeshi wakho ukuba usebenzisana neTurboTax okanye unokuthatha i-pic enokonga ixesha xa kufikwa ekugcwaliseni iinkcukacha eziphindayo njengenombolo yakho yokhuseleko loluntu okanye umhla wokuzalwa (umfanekiso wesithombe usebenza kwamanye amaxwebhu afana nee-1099s ezithile)
- Ukuba ukhuphela uguqulelo lweDeluxe yeTurboTax (okanye ngaphezulu njengeNkulumbuso kunye neepakethe eziziQolileyo), iyangqamana ne-ItsDeductible, eyenza kube lula ukubiza ngokukhawuleza amaxabiso okutsalwa kweempahla ezinikelwe, izinto zasekhaya kunye nokunye.
- Ekuphela kwento oyifunayo kukungena nge-TurboTax- unokufikelela kwimbuyekezo yakho kwilaptop yakho, ifowuni yakho enkosi kwi-app yayo.
- Ungangenisa i-W-2 yakho kumqeshi wakho okanye ulayishe ifoto yayo (efanayo noninzi lwee-1099s zakho, ngokuxhomekeke kuguqulelo oluhlawulelwayo), nto leyo-kwakhona-iluncedo lokugcina ixesha.
- I-H&R Vimba iipakethi zerhafu (inqanaba leDeluxe okanye ngaphezulu) sync kunye ne-DeductionPro, eyenza kube lula ukubala ixabiso lezinto eziqhelekileyo zokubhala njengempahla yokunikela, izinto zasekhaya kunye nokunye.
- Kukho i-app yeqabane kwaye ekubeni inkqubo ikwi-intanethi, konke okufunayo kukungena ngemvume ukuze ufikelele kwimbuyekezo yakho nanini na, naphi na.
- Ukukwazi ukufaka imbuyekezo yerhafu ye-federal kunye neyelizwe nge-elektroniki okanye ngeposi
- Ukhetho lokubamba irhafu ngoko nangoko nge I-TurboTax Live , kodwa kunye nesanda kusungulwa I-TurboTax Live Inkonzo epheleleyo , ekudibanisa nengcali yerhafu ezinikeleyo enokusingatha yonke imbuyekezo yakho yerhafu, nangona inzima kangakanani (FYI, nganye yezi nkonzo ixabisa umrhumo owongezelelweyo)
- Inketho yoku Khuphela isoftwe ekuvumela ukuba wenze ifayile ye-imeyile
- Umbuzo-nempendulo ujongano olwenza ukuba ukufayila imbuyekezo kube lula kumsebenzisi
- Ukukwazi ukufaka imbuyekezo yerhafu ye-federal kunye neyelizwe nge-elektroniki okanye ngeposi
- Inketho yokwayama kubuchwephesha bengcali yerhafu eqinisekisiweyo ngokusebenzisa entsha yabo Inkqubo yoNcedo lwe-Intanethi okanye i-IRL kwenye yezitena ze-H&R Block kunye nodaka, zombini ngentlawulo eyongezelelweyo (qiniseka nje ukuba bajonge izikhokelo zabo zokhuseleko kwi-COVID-19 phambi kokuba wenze idinga lomntu)
- Inketho yoku yeka imbuyekezo yakho yerhafu kwaye uyithathe xa igqityiwe
- Ujongano oluzaliswe ngamaqhosha okufunda ngakumbi ukuze ungahambi kwimbuyekezo yakho yerhafu ukusombulula imibuzo entsonkothileyo.
- Ungangenisa ulwazi lwe-W-2 ngokuzenzekelayo kumqeshi wakho ukuba usebenzisana neTurboTax okanye unokuthatha i-pic enokonga ixesha xa kufikwa ekugcwaliseni iinkcukacha eziphindayo njengenombolo yakho yokhuseleko loluntu okanye umhla wokuzalwa (umfanekiso wesithombe usebenza kwamanye amaxwebhu afana nee-1099s ezithile)
- Ukuba ukhuphela uguqulelo lweDeluxe yeTurboTax (okanye ngaphezulu njengeNkulumbuso kunye neepakethe eziziQolileyo), iyangqamana ne-ItsDeductible, eyenza kube lula ukubiza ngokukhawuleza amaxabiso okutsalwa kweempahla ezinikelwe, izinto zasekhaya kunye nokunye.
- Ekuphela kwento oyifunayo kukungena nge-TurboTax- unokufikelela kwimbuyekezo yakho kwilaptop yakho, ifowuni yakho enkosi kwi-app yayo.
- Ungangenisa i-W-2 yakho kumqeshi wakho okanye ulayishe ifoto yayo (efanayo noninzi lwee-1099s zakho, ngokuxhomekeke kuguqulelo oluhlawulelwayo), nto leyo-kwakhona-iluncedo lokugcina ixesha.
- I-H&R Vimba iipakethi zerhafu (inqanaba leDeluxe okanye ngaphezulu) sync kunye ne-DeductionPro, eyenza kube lula ukubala ixabiso lezinto eziqhelekileyo zokubhala njengempahla yokunikela, izinto zasekhaya kunye nokunye.
- Kukho i-app yeqabane kwaye ekubeni inkqubo ikwi-intanethi, konke okufunayo kukungena ngemvume ukuze ufikelele kwimbuyekezo yakho nanini na, naphi na.
- Ukukwazi ukufaka imbuyekezo yerhafu ye-federal kunye neyelizwe nge-elektroniki okanye ngeposi
- Ukhetho lokubamba irhafu ngoko nangoko nge I-TurboTax Live , kodwa kunye nesanda kusungulwa I-TurboTax Live Inkonzo epheleleyo , ekudibanisa nengcali yerhafu ezinikeleyo enokusingatha yonke imbuyekezo yakho yerhafu, nangona inzima kangakanani (FYI, nganye yezi nkonzo ixabisa umrhumo owongezelelweyo)
- Inketho yoku Khuphela isoftwe ekuvumela ukuba wenze ifayile ye-imeyile
- Umbuzo-nempendulo ujongano olwenza ukuba ukufayila imbuyekezo kube lula kumsebenzisi
- Ukukwazi ukufaka imbuyekezo yerhafu ye-federal kunye neyelizwe nge-elektroniki okanye ngeposi
- Inketho yokwayama kubuchwephesha bengcali yerhafu eqinisekisiweyo ngokusebenzisa entsha yabo Inkqubo yoNcedo lwe-Intanethi okanye i-IRL kwenye yezitena ze-H&R Block kunye nodaka, zombini ngentlawulo eyongezelelweyo (qiniseka nje ukuba bajonge izikhokelo zabo zokhuseleko kwi-COVID-19 phambi kokuba wenze idinga lomntu)
- Inketho yoku yeka imbuyekezo yakho yerhafu kwaye uyithathe xa igqityiwe
- Ujongano oluzaliswe ngamaqhosha okufunda ngakumbi ukuze ungahambi kwimbuyekezo yakho yerhafu ukusombulula imibuzo entsonkothileyo.
- Ungangenisa ulwazi lwe-W-2 ngokuzenzekelayo kumqeshi wakho ukuba usebenzisana neTurboTax okanye unokuthatha i-pic enokonga ixesha xa kufikwa ekugcwaliseni iinkcukacha eziphindayo njengenombolo yakho yokhuseleko loluntu okanye umhla wokuzalwa (umfanekiso wesithombe usebenza kwamanye amaxwebhu afana nee-1099s ezithile)
- Ukuba ukhuphela uguqulelo lweDeluxe yeTurboTax (okanye ngaphezulu njengeNkulumbuso kunye neepakethe eziziQolileyo), iyangqamana ne-ItsDeductible, eyenza kube lula ukubiza ngokukhawuleza amaxabiso okutsalwa kweempahla ezinikelwe, izinto zasekhaya kunye nokunye.
- Ekuphela kwento oyifunayo kukungena nge-TurboTax- unokufikelela kwimbuyekezo yakho kwilaptop yakho, ifowuni yakho enkosi kwi-app yayo.
- Ungangenisa i-W-2 yakho kumqeshi wakho okanye ulayishe ifoto yayo (efanayo noninzi lwee-1099s zakho, ngokuxhomekeke kuguqulelo oluhlawulelwayo), nto leyo-kwakhona-iluncedo lokugcina ixesha.
- I-H&R Vimba iipakethi zerhafu (inqanaba leDeluxe okanye ngaphezulu) sync kunye ne-DeductionPro, eyenza kube lula ukubala ixabiso lezinto eziqhelekileyo zokubhala njengempahla yokunikela, izinto zasekhaya kunye nokunye.
- Kukho i-app yeqabane kwaye ekubeni inkqubo ikwi-intanethi, konke okufunayo kukungena ngemvume ukuze ufikelele kwimbuyekezo yakho nanini na, naphi na.
- Ukukwazi ukufaka imbuyekezo yerhafu ye-federal kunye neyelizwe nge-elektroniki okanye ngeposi
- Ukhetho lokubamba irhafu ngoko nangoko nge I-TurboTax Live , kodwa kunye nesanda kusungulwa I-TurboTax Live Inkonzo epheleleyo , ekudibanisa nengcali yerhafu ezinikeleyo enokusingatha yonke imbuyekezo yakho yerhafu, nangona inzima kangakanani (FYI, nganye yezi nkonzo ixabisa umrhumo owongezelelweyo)
- Inketho yoku Khuphela isoftwe ekuvumela ukuba wenze ifayile ye-imeyile
- Umbuzo-nempendulo ujongano olwenza ukuba ukufayila imbuyekezo kube lula kumsebenzisi
- Ukukwazi ukufaka imbuyekezo yerhafu ye-federal kunye neyelizwe nge-elektroniki okanye ngeposi
- Inketho yokwayama kubuchwephesha bengcali yerhafu eqinisekisiweyo ngokusebenzisa entsha yabo Inkqubo yoNcedo lwe-Intanethi okanye i-IRL kwenye yezitena ze-H&R Block kunye nodaka, zombini ngentlawulo eyongezelelweyo (qiniseka nje ukuba bajonge izikhokelo zabo zokhuseleko kwi-COVID-19 phambi kokuba wenze idinga lomntu)
- Inketho yoku yeka imbuyekezo yakho yerhafu kwaye uyithathe xa igqityiwe
- Ujongano oluzaliswe ngamaqhosha okufunda ngakumbi ukuze ungahambi kwimbuyekezo yakho yerhafu ukusombulula imibuzo entsonkothileyo.
- Ungangenisa ulwazi lwe-W-2 ngokuzenzekelayo kumqeshi wakho ukuba usebenzisana neTurboTax okanye unokuthatha i-pic enokonga ixesha xa kufikwa ekugcwaliseni iinkcukacha eziphindayo njengenombolo yakho yokhuseleko loluntu okanye umhla wokuzalwa (umfanekiso wesithombe usebenza kwamanye amaxwebhu afana nee-1099s ezithile)
- Ukuba ukhuphela uguqulelo lweDeluxe yeTurboTax (okanye ngaphezulu njengeNkulumbuso kunye neepakethe eziziQolileyo), iyangqamana ne-ItsDeductible, eyenza kube lula ukubiza ngokukhawuleza amaxabiso okutsalwa kweempahla ezinikelwe, izinto zasekhaya kunye nokunye.
- Ekuphela kwento oyifunayo kukungena nge-TurboTax- unokufikelela kwimbuyekezo yakho kwilaptop yakho, ifowuni yakho enkosi kwi-app yayo.
- Ungangenisa i-W-2 yakho kumqeshi wakho okanye ulayishe ifoto yayo (efanayo noninzi lwee-1099s zakho, ngokuxhomekeke kuguqulelo oluhlawulelwayo), nto leyo-kwakhona-iluncedo lokugcina ixesha.
- I-H&R Vimba iipakethi zerhafu (inqanaba leDeluxe okanye ngaphezulu) sync kunye ne-DeductionPro, eyenza kube lula ukubala ixabiso lezinto eziqhelekileyo zokubhala njengempahla yokunikela, izinto zasekhaya kunye nokunye.
- Kukho i-app yeqabane kwaye ekubeni inkqubo ikwi-intanethi, konke okufunayo kukungena ngemvume ukuze ufikelele kwimbuyekezo yakho nanini na, naphi na.
- Ukukwazi ukufaka imbuyekezo yerhafu ye-federal kunye neyelizwe nge-elektroniki okanye ngeposi
- Ukhetho lokubamba irhafu ngoko nangoko nge I-TurboTax Live , kodwa kunye nesanda kusungulwa I-TurboTax Live Inkonzo epheleleyo , ekudibanisa nengcali yerhafu ezinikeleyo enokusingatha yonke imbuyekezo yakho yerhafu, nangona inzima kangakanani (FYI, nganye yezi nkonzo ixabisa umrhumo owongezelelweyo)
- Inketho yoku Khuphela isoftwe ekuvumela ukuba wenze ifayile ye-imeyile
- Umbuzo-nempendulo ujongano olwenza ukuba ukufayila imbuyekezo kube lula kumsebenzisi
- Ukukwazi ukufaka imbuyekezo yerhafu ye-federal kunye neyelizwe nge-elektroniki okanye ngeposi
- Inketho yokwayama kubuchwephesha bengcali yerhafu eqinisekisiweyo ngokusebenzisa entsha yabo Inkqubo yoNcedo lwe-Intanethi okanye i-IRL kwenye yezitena ze-H&R Block kunye nodaka, zombini ngentlawulo eyongezelelweyo (qiniseka nje ukuba bajonge izikhokelo zabo zokhuseleko kwi-COVID-19 phambi kokuba wenze idinga lomntu)
- Inketho yoku yeka imbuyekezo yakho yerhafu kwaye uyithathe xa igqityiwe
- Ujongano oluzaliswe ngamaqhosha okufunda ngakumbi ukuze ungahambi kwimbuyekezo yakho yerhafu ukusombulula imibuzo entsonkothileyo.
- Ungangenisa ulwazi lwe-W-2 ngokuzenzekelayo kumqeshi wakho ukuba usebenzisana neTurboTax okanye unokuthatha i-pic enokonga ixesha xa kufikwa ekugcwaliseni iinkcukacha eziphindayo njengenombolo yakho yokhuseleko loluntu okanye umhla wokuzalwa (umfanekiso wesithombe usebenza kwamanye amaxwebhu afana nee-1099s ezithile)
- Ukuba ukhuphela uguqulelo lweDeluxe yeTurboTax (okanye ngaphezulu njengeNkulumbuso kunye neepakethe eziziQolileyo), iyangqamana ne-ItsDeductible, eyenza kube lula ukubiza ngokukhawuleza amaxabiso okutsalwa kweempahla ezinikelwe, izinto zasekhaya kunye nokunye.
- Ekuphela kwento oyifunayo kukungena nge-TurboTax- unokufikelela kwimbuyekezo yakho kwilaptop yakho, ifowuni yakho enkosi kwi-app yayo.
- Ungangenisa i-W-2 yakho kumqeshi wakho okanye ulayishe ifoto yayo (efanayo noninzi lwee-1099s zakho, ngokuxhomekeke kuguqulelo oluhlawulelwayo), nto leyo-kwakhona-iluncedo lokugcina ixesha.
- I-H&R Vimba iipakethi zerhafu (inqanaba leDeluxe okanye ngaphezulu) sync kunye ne-DeductionPro, eyenza kube lula ukubala ixabiso lezinto eziqhelekileyo zokubhala njengempahla yokunikela, izinto zasekhaya kunye nokunye.
- Kukho i-app yeqabane kwaye ekubeni inkqubo ikwi-intanethi, konke okufunayo kukungena ngemvume ukuze ufikelele kwimbuyekezo yakho nanini na, naphi na.
- Ukukwazi ukufaka imbuyekezo yerhafu ye-federal kunye neyelizwe nge-elektroniki okanye ngeposi
- Ukhetho lokubamba irhafu ngoko nangoko nge I-TurboTax Live , kodwa kunye nesanda kusungulwa I-TurboTax Live Inkonzo epheleleyo , ekudibanisa nengcali yerhafu ezinikeleyo enokusingatha yonke imbuyekezo yakho yerhafu, nangona inzima kangakanani (FYI, nganye yezi nkonzo ixabisa umrhumo owongezelelweyo)
- Inketho yoku Khuphela isoftwe ekuvumela ukuba wenze ifayile ye-imeyile
- Umbuzo-nempendulo ujongano olwenza ukuba ukufayila imbuyekezo kube lula kumsebenzisi
- Ukukwazi ukufaka imbuyekezo yerhafu ye-federal kunye neyelizwe nge-elektroniki okanye ngeposi
- Inketho yokwayama kubuchwephesha bengcali yerhafu eqinisekisiweyo ngokusebenzisa entsha yabo Inkqubo yoNcedo lwe-Intanethi okanye i-IRL kwenye yezitena ze-H&R Block kunye nodaka, zombini ngentlawulo eyongezelelweyo (qiniseka nje ukuba bajonge izikhokelo zabo zokhuseleko kwi-COVID-19 phambi kokuba wenze idinga lomntu)
- Inketho yoku yeka imbuyekezo yakho yerhafu kwaye uyithathe xa igqityiwe
- Ujongano oluzaliswe ngamaqhosha okufunda ngakumbi ukuze ungahambi kwimbuyekezo yakho yerhafu ukusombulula imibuzo entsonkothileyo.
- Ungangenisa ulwazi lwe-W-2 ngokuzenzekelayo kumqeshi wakho ukuba usebenzisana neTurboTax okanye unokuthatha i-pic enokonga ixesha xa kufikwa ekugcwaliseni iinkcukacha eziphindayo njengenombolo yakho yokhuseleko loluntu okanye umhla wokuzalwa (umfanekiso wesithombe usebenza kwamanye amaxwebhu afana nee-1099s ezithile)
- Ukuba ukhuphela uguqulelo lweDeluxe yeTurboTax (okanye ngaphezulu njengeNkulumbuso kunye neepakethe eziziQolileyo), iyangqamana ne-ItsDeductible, eyenza kube lula ukubiza ngokukhawuleza amaxabiso okutsalwa kweempahla ezinikelwe, izinto zasekhaya kunye nokunye.
- Ekuphela kwento oyifunayo kukungena nge-TurboTax- unokufikelela kwimbuyekezo yakho kwilaptop yakho, ifowuni yakho enkosi kwi-app yayo.
- Ungangenisa i-W-2 yakho kumqeshi wakho okanye ulayishe ifoto yayo (efanayo noninzi lwee-1099s zakho, ngokuxhomekeke kuguqulelo oluhlawulelwayo), nto leyo-kwakhona-iluncedo lokugcina ixesha.
- I-H&R Vimba iipakethi zerhafu (inqanaba leDeluxe okanye ngaphezulu) sync kunye ne-DeductionPro, eyenza kube lula ukubala ixabiso lezinto eziqhelekileyo zokubhala njengempahla yokunikela, izinto zasekhaya kunye nokunye.
- Kukho i-app yeqabane kwaye ekubeni inkqubo ikwi-intanethi, konke okufunayo kukungena ngemvume ukuze ufikelele kwimbuyekezo yakho nanini na, naphi na.
Ixesha lerhafu liphezu kwethu kwaye, ukusukela ngoku, umhla wokugqibela we-15 ka-Epreli awuzukwandiswa ngo-2021. Kodwa ngeli xesha zonke izithuba-nkqu nezo zikwi-ofisi yezitena kunye nodaka-ziya kuqhutywa malunga nalo nyaka, amaqonga afana I-TurboTax kwaye H&R Block zisengumgangatho wegolide xa kufikwa kwiimbuyekezo zerhafu ezisebenziseka lula kunye nezisebenzisekayo kwi-intanethi. Kodwa yeyiphi inkonzo ekulungeleyo? Siqhekeza ukufana kunye nomahluko phakathi kweesayithi zombini.
I-TurboTax vs. H&R Block
Ngoku ukuba i-H & R Block yongeze i-Online Assist, ukhetho lokuthetha ngokuthe ngqo kunye neengcali zerhafu kwimfuno (kunye nentlawulo eyongezelelweyo), banokuthi bakhuphisane neTurboTax xa kuziwa kwiinkonzo zabo zerhafu. Nangona kunjalo, kukho iiyantlukwano ezimbini ezibalulekileyo. I-TurboTax yaziwa ngefomathi yemibuzo kunye neempendulo, eyenza ukuzalisa imbuyekezo yerhafu uzive unzima kakhulu kunokuba iqhele ukuba njalo. Kwi-flip side, i-H&R Block ineendawo ezingaphezu kwe-11,000 zezitena kunye nodaka, okuthetha ukuncokola ne-IRL kunye nengcali lukhetho nangaliphi na ixesha endleleni.
I-TurboTax
I-TurboTax ikhona ukusukela ngeminyaka yoo-1980s kwaye iyathandwa ngenxa yokucoceka kwayo kunye nojongano olusekwe kumbuzo kunye nenyaniso yokuba ingqamanisa ngokungenamthungo kunye ne-Quickbooks, ephethwe yi-Intuit (inkampani yesoftware yezemali eyenzeka nokuba yeyomnini weTurboTax). Kukwakho inkitha yeenketho zokufakela okoqobo kunye nesikali esityibilikayo samaxabiso, kuxhomekeke kwiimfuno zakho zerhafu.
Iimpawu eziphambili zeTurboTax ziquka:
H&R Block
H&R Block yaqalwa ngo-1950s kwaye ibisenza iirhafu zaseMelika ukusukela ngoko, ngaphezulu kwe-11,000 yeendawo ezibonakalayo kwilizwe jikelele. Kodwa iinketho ezibonakalayo zininzi, kwaye, kwaye kuninzi njengeTurboTax, amanqanaba ahlukeneyo enkxaso anikezelwayo (kwakhona, kunye noluhlu olusilayidi lweendleko) ngokusekelwe kwindlela enzima ngayo imeko yakho yerhafu.
Iimpawu ezibalaseleyo zeH&R block ziquka:
TurboTax Overview
Ngeendlela ezininzi, iTurboTax ifana nje neentengiso-ujongano lwesitayile se-Q&A luziva luyincoko njengoko ugqibezela icandelo ngalinye lembuyekezo yakho. Ngaba uthenge ikhaya kulo nyaka? Unabantwana? Indlela ophendula ngayo inceda iTurboTax ivelise iifomu ezisebenza kakhulu kubomi bakho nakwimeko yakho yerhafu.
Ukuba ufaka imbuyekezo elula (ngokuqhelekileyo enye ebandakanya ingeniso ye-W-2, iikhredithi zerhafu zabantwana, njl.), Inguqulelo yasimahla yeTurboTax kufuneka yanele. Kodwa ukuba unomntwana ekholejini (o.k.t. ukutsalwa kwerhafu enxulumene nemfundo) okanye inzuzo eyinkunzi kunye nelahleko ukuze unike ingxelo okanye ingeniso yotyalo-mali, kuya kufuneka uphucule uye kwelinye lamahlelo abo alungiselelwe ukujongana neerhafu ezinzima. (Iinkcukacha ezongezelelekileyo malunga nesakhiwo samaxabiso seTurboTax singezantsi.)
Yintoni enhle ngeTurboTax ibandakanya ukhetho lokungenisa ulwazi lwerhafu yonyaka odlulileyo ukuba usebenzise iTurboTax okanye hayi. (Oku kunceda ukwenza lula kunye nokugcina ixesha lilonke.) Kukwakho ne-TurboTax CompleteCheck feature (encomekayo) ehlola iimpazamo zomzuzu wokugqibela ngaphambi kokuba ufake ifayile.
Ibhonasi: Ukuba uthatha isigqibo sokusebenzisa i-TurboTax's Live version, uya kufumana uncedo lwevidiyo olufunwayo oluvela kwi-CPA eya kwenza uphononongo lwembuyekezo yakho ukongeza ekujonganeni nayo nayiphi na imibuzo ephumayo endleleni. Kukwakho nenketho entsha kraca yokunikezela ngembuyekezo yakho yonke (phantse) kumcwangcisi-mali ongayi kulungiselela imbuyekezo yakho kuphela, kodwa akufake i-ping xa ilixesha lokusayina.
Ezinye izixhobo eziluncedo ziquka:
Ibali elide elifutshane: I-TurboTax yeyona nto ilungileyo kumava ayo asebenziseka lula kunye noluhlu lweenketho zenkxaso. Iinkonzo zayo zikwicala lamaxabiso xa kuthelekiswa nabakhuphisana nabo, kodwa umbuzo kunye nefomathi yempendulo ngokwenene igqame ngokwemigaqo yokwenza lula amava erhafu.
H&R Block Overview
Kanye njenge-TurboTax, i-H&R Block ibonelela ngoluhlu lweempawu ezisebenziseka lula zokufakela imbuyekezo yakho yerhafu kwi-intanethi, kubandakanywa ukhetho lokufumana uncedo oluphilayo (kunye nolufunwayo) oluvela kwingcali yerhafu nanini na xa ulufuna kuyo yonke inkqubo ngeendleko ezongezelelweyo.
I-interface kulula ukuyisebenzisa, nayo. I-H&R Block ikuhambisa ngokucacileyo kumvuzo wakho, imali exhuzulwayo kunye neekhredithi, kunye neemeko ezizodwa, ngaphambi kokuba ufake ifayile enamaqhosha angakumbi akhoyo okuchaza nayiphi na imibuzo entsonkothileyo.
Nge-H&R Block, ukhetho lwabo lwasimahla-olulungile kuye nabani na onomvuzo we-W-2 ukuba axele kunye nokufanelekela intlawulo yerhafu yomntwana okanye intlawulo yerhafu yengeniso okanye umvuzo ongaphangeliyo-iyakhanya ngokwenene. Ikwakuvumela ukuba ufake iishedyuli 1 kunye ne-3 yefomu ye-1040, ibhonasi kuba, kwiimeko ezininzi, uya kuzifuna ezi fomu ukuze utsale inzala ye-mortgage, i-alimony kunye neminikelo ethile yomhlalaphantsi. Oko kuthethiweyo, kuye nabani na ofuna ukutsalwa kwento (yithi, unengeniso yokuzisebenzela ukuze uxele), kuya kufuneka utyale imali kwenye yeenguqulelo zabo eziphuculweyo. (Iinkcukacha ezongezelelekileyo malunga nesakhiwo samaxabiso se-H&R Block singezantsi.)
Ubuchwephesha berhafu obukhoyo obunikezelwa yi-H&R Block bususela kwisiqulatho serhafu esiphendkayo (cinga iividiyo zokufundisa) ukuya kuncedo lwerhafu lomntu-on-one oluvela kwi-CPA yokwenyani. Inkqubo yabo entsha yoNcedo lwe-Intanethi yenza ukuba iinkonzo zabo zikhuphisane ne-TurboTax njengoko unokuhlawulela ngokungenamkhawulo, iingcebiso zerhafu ezifunwayo (ukwabelana ngesikrini kubandakanywa) kunye ne-CPA nangaliphi na ixesha ngexesha lenkqubo yakho yokufayilisha. (Hlala ukhumbula ukuba i-H&R Block pros ayizukuphonononga, isayine okanye i-e-file imbuyekezo yakho.)
Okokugqibela, njengeTurboTax, iH&R Block ikunika ithuba lokungenisa imbuyekezo yerhafu yonyaka ophelileyo kuye nawuphi na umnikezeli (kunokufuneka ulayishe iPDF, kodwa inkqubo ayinamthungo) kwaye ikuvumela ukuba ugcine iithebhu kwi-software yakho iyonke echithwe ngokusebenzisa iticker phezulu (iluncedo ukuba ngequbuliso ubethe ibhlokhi yendlela kwimbuyekezo yakho kwaye uthathe isigqibo sokucela uncedo kwenye yeenzuzo zabo zerhafu emva kwayo yonke loo nto).
Ezinye izixhobo eziluncedo ziquka:
Ibali elide elifutshane: H & R Block ilungele uluhlu lwayo iinketho-kuquka ukukwazi okunene ukuhlangabezana CPA ebomini bokwenene. Ikwanayo nesakhiwo samaxabiso esinokhuphiswano ngakumbi kuneTurboTax.
I-TurboTax vs. H&R Block: Iindleko
Ekupheleni kosuku, i-H & R Block ixabisa ngaphantsi kweTurboTax, kodwa iphakheji nganye inikezela ngeempawu ezahlukeneyo, ngoko ke ukhetho luza kuwe kunye neemfuno zakho zerhafu.
Ulwakhiwo lwamaxabiso eTurboTax luqhekeka ngolu hlobo:
Ilizwe: $0
Eyona nto ingcono kwiimbuyekezo zerhafu ezilula (oku kuthetha ukuba uceba ukufaka ibango nakuphi na ukutsalwa ngaphaya komgangatho, intlawulo yerhafu yengeniso efunyenweyo kunye nekhredithi yerhafu yomntwana), le nguqulo ikuvumela ukuba ufake ifayile ye-1040 kunye nembuyekezo yelizwe simahla.
Ilizwe: $0
Ekuphela kwento eyahlula oku kuguqulelo lwasimahla kukuba ibandakanya ukufikelela kwividiyo ekufunwayo kwipro yerhafu.
Ilizwe: $50 ($55 nge Live)
Ilungele nabani na okhetha ukwenza into yokubuyiswa kwerhafu, kunye nebango lokutsalwa kwerhafu ezininzi kunye neekhredithi zerhafu, nazo. Kwakhona, kuluncedo ukuba unengeniso yeshishini ngaphandle kweendleko.
Ilizwe: $50 ($55 nge Live)
Le nguqulo iyafana neDeluxe kodwa yongeza inketho yokuchaza utyalo-mali kunye nayo nayiphi na ingeniso yerenti.
Ilizwe: $50 ($55 nge Live)
Kuyafana nenguqulelo yeNkulumbuso, kodwa ibandakanya ingeniso yeshishini kunye neendleko, kunye nokutsalwa kwe-ofisi yekhaya. Ungayingqamanisa ne-Square, iLyft kunye ne-Uber ukungenisa iindleko.
Ulwakhiwo lwamaxabiso e-H&R Block luqhekeka ngolu hlobo:
Ilizwe: $0
Le nguqulo ikuvumela ukuba ugcwalise imbuyekezo yerhafu elula (ethetha ukuba uceba ukufaka ibango nakuphi na ukutsalwa ngaphaya komgangatho, ingeniso yekhredithi yerhafu yengeniso kunye nekhredithi yerhafu yomntwana), ukongeza kwiishedyuli 1 kunye ne-3 simahla.
Ilizwe: $0
Oku kuyafana nenguqulelo yasimahla, ngaphandle kokuba unokufikelela kwiingcali zerhafu ze-H&R Block zoncedo lwerhafu olufunekayo.
Ilizwe: $ 36,99
Le nguqulo ikuvumela ukuba wenze kwaye ubange ukutsalwa kwerhafu okuninzi kunye namatyala.
Ilizwe: $ 36,99
Le nguqulo iphantse yafana ne-Deluxe, kodwa ikuvumela ukuba wenze ibango lepropati yerenti kunye nayo nayiphi na ingeniso yotyalo-mali.
Ilizwe: $ 36,99
Ilungele abazimele, iikontraka ezizimeleyo kunye nabanini bamashishini amancinci, le nguqulelo ikwakuvumela ukuba ungenise naziphi na iindleko zika-Uber.
I-TurboTax vs. H & R Block: Iinketho zasimahla
Ukuba konke ekufuneka uphendule ngako ngumvuzo wakho we-W-2, intlawulo yerhafu yengeniso oyifumeneyo okanye ikhredithi yerhafu yomntwana, zombini i-TurboTax kunye ne-H&R Block zikuhlawulele ngeenguqulelo zasimahla zesoftware yazo yerhafu.
Kodwa inkqubo yokufayilisha irhafu yasimahla ye-H&R Block iza ne-perk eyongezelelweyo: Inketho yokufaka iishedyuli 1 kunye ne-3 yefom ye-1040, eluncedo-kwaye ifunwa rhoqo-kubahlawuli berhafu ekufuneka baphendule ngokutsalwa okuqhelekileyo njengeentlawulo ze-mortgage, inzala yemali mboleko yabafundi, ingeniso yeshishini, i-alimony, iindleko zokunyamekela abaxhomekeke kunye nokunye.
I-TurboTax vs. H&R Block: Ubuhlobo bomsebenzisi
Umbuzo kunye nefomathi yempendulo yesoftware yeTurboTax ngokwenene ikwinotshi ephezulu. Yenza ukuba ukugcwalisa imbuyekezo yakho yerhafu uzive kunencoko ngakumbi kunokuhamba ngomgca ngomgca ngengeniso efunyenweyo kunye neendleko kunye nokutsalwa.
Oko kwathiwa, zombini i-TurboTax kunye ne-H & R Block zibonelela ngamava alula nathe ngqo omsebenzisi abeka nabahlawuli berhafu abaqalayo kwisihlalo somqhubi. (Ukufikelela kulwazi olufana nezifundo zevidiyo okanye amanqaku anamacebiso akhawulezayo kunye neengcaphephe zokuqonda ziyafumaneka kuzo zombini iisayithi.)
Ukongeza, zombini ezi nkonzo zikuvumela ukuba ubone ukutsalwa okwahlukeneyo okutsalwayo kwimbuyekezo yakho ngexesha lokwenyani usebenzisa iticker kanye phezulu kwesikrini.
I-TurboTax vs. H & R Block: Inkonzo yabaThengi
NgeTurboTax, bonke abasebenzisi banokufikelela kwi-chatbot okanye ifom yoqhagamshelwano kwimibuzo yetekhnoloji ekhula ngelixa usebenzisa iqonga. Kodwa ukuba ukhuphela iTurboTax Live, kulapho inkonzo icula khona. Cofa ingcali ye-TurboTax kuzo zonke iiyure zobusuku (nangona unokulindela amaxesha amade okulinda ngokukhawuleza nje ngo-Aprili we-15 i-looms) okanye wenze idinga kwangaphambili ukuze uhlolisise imbuyekezo yakho. Uncedo lunikezelwa nge-screenshare apho ufumana ukubona ubuso beCPA yakho (abanakukubona, isikrini sakho kuphela).
Kulo nyaka, unokuphinda ungene kwi-TurboTax Full Service, oku kuthetha ukuba ulayisha amaxwebhu akho erhafu kwi-portal ekhuselekileyo kunye nomntu ophilayo ngokwenene-owabelwe ngokusekelwe kwiimfuno zakho zerhafu-ubeka imbuyekezo yakho kunye nomrhumo. (Amaxabiso aqala kwi-130 yeedola kwimbuyekezo ye-federal kunye ne-45 yeedola zombuso.) Uya kuba nomnxeba wevidiyo ekuqaleni, emva koko kwakhona xa ukubuyisela kwakho kukulungele ukufakwa.
I-H&R Block inokhuphiswano oluhle apha. Iphakheji yabo entsha kraca yoNcedo lwe-Intanethi isebenza kakhulu njengeTurboTax Live, ikunika ufikelelo olufunekayo kunye neeseshini zokwabelana ngesikrini kunye ne-CPA yomrhumo owongeziweyo.
I-H&R Block ikwabonelela ngenkonzo yabo yoPhononongo lweRhafu yeRhafu (amaxabiso aqala kwi-40 yeedola), ebonelela ngophononongo lwe-one-on-one yembuyekezo yakho ukujonga iimpazamo ngaphambi kokuba ufake ifayile kunye nokutsalwa okuphosiweyo okanye iikhredithi. Ungade ucele irhafu efanayo okhe wayisebenzisa kwiminyaka edlulileyo-i-perk kuye nabani na onomdla wokwakha ubudlelwane apha. Kodwa nge-H&R Block, ukwanalo nokukhetha ukudibana buqu nengcali yerhafu kwenye yeendawo zabo ezininzi zezitena kunye nodaka. (FYI, ukuqeshwa komntu ngaphakathi kuqala kwi-$69.)
I-TurboTax vs. H&R Block: Izixhobo zeCoronavirus
Kuzo zombini i-TurboTax kunye ne-H&R Block, iingcali zerhafu zizazi kakuhle izinto ezinxulumene ne-COVID-19 ezinokuchaphazela okanye zingachaphazeli irhafu yakho ngo-2020. kwakhona.) Nokuba oku kuthetha ukuba, ukungaqeshwa kufuneka uphendule okanye indlela i-stimulus check izakuchaphazela ngayo imbuyekezo yakho, ungalindela ulwazi oluninzi oluvela kwiindawo zombini. (I-TurboTax inezinye izichazi Apha ; H&R Block Apha .)
Ngokuphathelele indawo ye-H & R Block yezitena kunye neendawo zodaka, zivulekele ukuqeshwa komntu-mntu ngeli xesha lerhafu, kodwa kuya kufuneka ukhangele ukuba iinkonzo azichatshazelwa kukuvalwa okanye ezinye izithintelo zoshishino ngokusekelwe kwiinombolo zamatyala kwindawo yakho. Izikhokelo ezingqongqo zokungena eluntwini ziyanyanzeliswa, kunye nokunxiba imaski kunye ezinye iiprothokholi zokhuseleko .
I-TurboTax vs. H&R Block: Yeyiphi Ekulungeleyo?
Zombini ezi nkonzo zikhuphisana kakhulu kulo nyaka, ngenxa yokongezwa kwe-H&R Block yoNcedo lwe-Intanethi (umnikelo ofanayo kakhulu kwi-TurboTax Live). Ngokuphathelele kutheni ukhetha inkonzo enye ngaphezulu kwenye, i-H&R Block ifanelekile kuye nabani na ofuna ukhetho lobuqu kunye nokhuphiswano olungakumbi lwamaxabiso. Bakwanikezela ngezixhobo ezibanzi ngakumbi kwinguqulelo yabo yasimahla.
Okwangoku, i-TurboTax yinto ebalaseleyo kubasebenzisi bayo. Ifomati yabo ye-Q&A zombini ayinamthungo ukuhamba kwaye ibanzi. (Kunzima ukukhuphisana naloo nto xa iirhafu zinzima kakhulu, ngakumbi kunyaka wobhubhane.)
Ekupheleni kosuku, yehla kukhetho lomntu ... okanye ixabiso lilonke.
ENXULUMENEYO: Izinto ezi-7 ezinokuthi zitshintshe kwiRhafu yakho ngo-2020
Ilizwe:
Ixesha lerhafu liphezu kwethu kwaye, ukusukela ngoku, umhla wokugqibela we-15 ka-Epreli awuzukwandiswa ngo-2021. Kodwa ngeli xesha zonke izithuba-nkqu nezo zikwi-ofisi yezitena kunye nodaka-ziya kuqhutywa malunga nalo nyaka, amaqonga afana I-TurboTax kwaye H&R Block zisengumgangatho wegolide xa kufikwa kwiimbuyekezo zerhafu ezisebenziseka lula kunye nezisebenzisekayo kwi-intanethi. Kodwa yeyiphi inkonzo ekulungeleyo? Siqhekeza ukufana kunye nomahluko phakathi kweesayithi zombini.
I-TurboTax vs. H&R Block
Ngoku ukuba i-H & R Block yongeze i-Online Assist, ukhetho lokuthetha ngokuthe ngqo kunye neengcali zerhafu kwimfuno (kunye nentlawulo eyongezelelweyo), banokuthi bakhuphisane neTurboTax xa kuziwa kwiinkonzo zabo zerhafu. Nangona kunjalo, kukho iiyantlukwano ezimbini ezibalulekileyo. I-TurboTax yaziwa ngefomathi yemibuzo kunye neempendulo, eyenza ukuzalisa imbuyekezo yerhafu uzive unzima kakhulu kunokuba iqhele ukuba njalo. Kwi-flip side, i-H&R Block ineendawo ezingaphezu kwe-11,000 zezitena kunye nodaka, okuthetha ukuncokola ne-IRL kunye nengcali lukhetho nangaliphi na ixesha endleleni.
I-TurboTax
I-TurboTax ikhona ukusukela ngeminyaka yoo-1980s kwaye iyathandwa ngenxa yokucoceka kwayo kunye nojongano olusekwe kumbuzo kunye nenyaniso yokuba ingqamanisa ngokungenamthungo kunye ne-Quickbooks, ephethwe yi-Intuit (inkampani yesoftware yezemali eyenzeka nokuba yeyomnini weTurboTax). Kukwakho inkitha yeenketho zokufakela okoqobo kunye nesikali esityibilikayo samaxabiso, kuxhomekeke kwiimfuno zakho zerhafu.
Iimpawu eziphambili zeTurboTax ziquka:
H&R Block
H&R Block yaqalwa ngo-1950s kwaye ibisenza iirhafu zaseMelika ukusukela ngoko, ngaphezulu kwe-11,000 yeendawo ezibonakalayo kwilizwe jikelele. Kodwa iinketho ezibonakalayo zininzi, kwaye, kwaye kuninzi njengeTurboTax, amanqanaba ahlukeneyo enkxaso anikezelwayo (kwakhona, kunye noluhlu olusilayidi lweendleko) ngokusekelwe kwindlela enzima ngayo imeko yakho yerhafu.
Iimpawu ezibalaseleyo zeH&R block ziquka:
TurboTax Overview
Ngeendlela ezininzi, iTurboTax ifana nje neentengiso-ujongano lwesitayile se-Q&A luziva luyincoko njengoko ugqibezela icandelo ngalinye lembuyekezo yakho. Ngaba uthenge ikhaya kulo nyaka? Unabantwana? Indlela ophendula ngayo inceda iTurboTax ivelise iifomu ezisebenza kakhulu kubomi bakho nakwimeko yakho yerhafu.
Ukuba ufaka imbuyekezo elula (ngokuqhelekileyo enye ebandakanya ingeniso ye-W-2, iikhredithi zerhafu zabantwana, njl.), Inguqulelo yasimahla yeTurboTax kufuneka yanele. Kodwa ukuba unomntwana ekholejini (o.k.t. ukutsalwa kwerhafu enxulumene nemfundo) okanye inzuzo eyinkunzi kunye nelahleko ukuze unike ingxelo okanye ingeniso yotyalo-mali, kuya kufuneka uphucule uye kwelinye lamahlelo abo alungiselelwe ukujongana neerhafu ezinzima. (Iinkcukacha ezongezelelekileyo malunga nesakhiwo samaxabiso seTurboTax singezantsi.)
Yintoni enhle ngeTurboTax ibandakanya ukhetho lokungenisa ulwazi lwerhafu yonyaka odlulileyo ukuba usebenzise iTurboTax okanye hayi. (Oku kunceda ukwenza lula kunye nokugcina ixesha lilonke.) Kukwakho ne-TurboTax CompleteCheck feature (encomekayo) ehlola iimpazamo zomzuzu wokugqibela ngaphambi kokuba ufake ifayile.
Ibhonasi: Ukuba uthatha isigqibo sokusebenzisa i-TurboTax's Live version, uya kufumana uncedo lwevidiyo olufunwayo oluvela kwi-CPA eya kwenza uphononongo lwembuyekezo yakho ukongeza ekujonganeni nayo nayiphi na imibuzo ephumayo endleleni. Kukwakho nenketho entsha kraca yokunikezela ngembuyekezo yakho yonke (phantse) kumcwangcisi-mali ongayi kulungiselela imbuyekezo yakho kuphela, kodwa akufake i-ping xa ilixesha lokusayina.
Ezinye izixhobo eziluncedo ziquka:
Ibali elide elifutshane: I-TurboTax yeyona nto ilungileyo kumava ayo asebenziseka lula kunye noluhlu lweenketho zenkxaso. Iinkonzo zayo zikwicala lamaxabiso xa kuthelekiswa nabakhuphisana nabo, kodwa umbuzo kunye nefomathi yempendulo ngokwenene igqame ngokwemigaqo yokwenza lula amava erhafu.
H&R Block Overview
Kanye njenge-TurboTax, i-H&R Block ibonelela ngoluhlu lweempawu ezisebenziseka lula zokufakela imbuyekezo yakho yerhafu kwi-intanethi, kubandakanywa ukhetho lokufumana uncedo oluphilayo (kunye nolufunwayo) oluvela kwingcali yerhafu nanini na xa ulufuna kuyo yonke inkqubo ngeendleko ezongezelelweyo.
I-interface kulula ukuyisebenzisa, nayo. I-H&R Block ikuhambisa ngokucacileyo kumvuzo wakho, imali exhuzulwayo kunye neekhredithi, kunye neemeko ezizodwa, ngaphambi kokuba ufake ifayile enamaqhosha angakumbi akhoyo okuchaza nayiphi na imibuzo entsonkothileyo.
Nge-H&R Block, ukhetho lwabo lwasimahla-olulungile kuye nabani na onomvuzo we-W-2 ukuba axele kunye nokufanelekela intlawulo yerhafu yomntwana okanye intlawulo yerhafu yengeniso okanye umvuzo ongaphangeliyo-iyakhanya ngokwenene. Ikwakuvumela ukuba ufake iishedyuli 1 kunye ne-3 yefomu ye-1040, ibhonasi kuba, kwiimeko ezininzi, uya kuzifuna ezi fomu ukuze utsale inzala ye-mortgage, i-alimony kunye neminikelo ethile yomhlalaphantsi. Oko kuthethiweyo, kuye nabani na ofuna ukutsalwa kwento (yithi, unengeniso yokuzisebenzela ukuze uxele), kuya kufuneka utyale imali kwenye yeenguqulelo zabo eziphuculweyo. (Iinkcukacha ezongezelelekileyo malunga nesakhiwo samaxabiso se-H&R Block singezantsi.)
Ubuchwephesha berhafu obukhoyo obunikezelwa yi-H&R Block bususela kwisiqulatho serhafu esiphendkayo (cinga iividiyo zokufundisa) ukuya kuncedo lwerhafu lomntu-on-one oluvela kwi-CPA yokwenyani. Inkqubo yabo entsha yoNcedo lwe-Intanethi yenza ukuba iinkonzo zabo zikhuphisane ne-TurboTax njengoko unokuhlawulela ngokungenamkhawulo, iingcebiso zerhafu ezifunwayo (ukwabelana ngesikrini kubandakanywa) kunye ne-CPA nangaliphi na ixesha ngexesha lenkqubo yakho yokufayilisha. (Hlala ukhumbula ukuba i-H&R Block pros ayizukuphonononga, isayine okanye i-e-file imbuyekezo yakho.)
Okokugqibela, njengeTurboTax, iH&R Block ikunika ithuba lokungenisa imbuyekezo yerhafu yonyaka ophelileyo kuye nawuphi na umnikezeli (kunokufuneka ulayishe iPDF, kodwa inkqubo ayinamthungo) kwaye ikuvumela ukuba ugcine iithebhu kwi-software yakho iyonke echithwe ngokusebenzisa iticker phezulu (iluncedo ukuba ngequbuliso ubethe ibhlokhi yendlela kwimbuyekezo yakho kwaye uthathe isigqibo sokucela uncedo kwenye yeenzuzo zabo zerhafu emva kwayo yonke loo nto).
Ezinye izixhobo eziluncedo ziquka:
Ibali elide elifutshane: H & R Block ilungele uluhlu lwayo iinketho-kuquka ukukwazi okunene ukuhlangabezana CPA ebomini bokwenene. Ikwanayo nesakhiwo samaxabiso esinokhuphiswano ngakumbi kuneTurboTax.
I-TurboTax vs. H&R Block: Iindleko
Ekupheleni kosuku, i-H & R Block ixabisa ngaphantsi kweTurboTax, kodwa iphakheji nganye inikezela ngeempawu ezahlukeneyo, ngoko ke ukhetho luza kuwe kunye neemfuno zakho zerhafu.
Ulwakhiwo lwamaxabiso eTurboTax luqhekeka ngolu hlobo:
Ilizwe: $0
Eyona nto ingcono kwiimbuyekezo zerhafu ezilula (oku kuthetha ukuba uceba ukufaka ibango nakuphi na ukutsalwa ngaphaya komgangatho, intlawulo yerhafu yengeniso efunyenweyo kunye nekhredithi yerhafu yomntwana), le nguqulo ikuvumela ukuba ufake ifayile ye-1040 kunye nembuyekezo yelizwe simahla.
Ilizwe: $0
Ekuphela kwento eyahlula oku kuguqulelo lwasimahla kukuba ibandakanya ukufikelela kwividiyo ekufunwayo kwipro yerhafu.
Ilizwe: $50 ($55 nge Live)
Ilungele nabani na okhetha ukwenza into yokubuyiswa kwerhafu, kunye nebango lokutsalwa kwerhafu ezininzi kunye neekhredithi zerhafu, nazo. Kwakhona, kuluncedo ukuba unengeniso yeshishini ngaphandle kweendleko.
Ilizwe: $50 ($55 nge Live)
Le nguqulo iyafana neDeluxe kodwa yongeza inketho yokuchaza utyalo-mali kunye nayo nayiphi na ingeniso yerenti.
Ilizwe: $50 ($55 nge Live)
Kuyafana nenguqulelo yeNkulumbuso, kodwa ibandakanya ingeniso yeshishini kunye neendleko, kunye nokutsalwa kwe-ofisi yekhaya. Ungayingqamanisa ne-Square, iLyft kunye ne-Uber ukungenisa iindleko.
Ulwakhiwo lwamaxabiso e-H&R Block luqhekeka ngolu hlobo:
Ilizwe: $0
Le nguqulo ikuvumela ukuba ugcwalise imbuyekezo yerhafu elula (ethetha ukuba uceba ukufaka ibango nakuphi na ukutsalwa ngaphaya komgangatho, ingeniso yekhredithi yerhafu yengeniso kunye nekhredithi yerhafu yomntwana), ukongeza kwiishedyuli 1 kunye ne-3 simahla.
Ilizwe: $0
Oku kuyafana nenguqulelo yasimahla, ngaphandle kokuba unokufikelela kwiingcali zerhafu ze-H&R Block zoncedo lwerhafu olufunekayo.
Ilizwe: $ 36,99
Le nguqulo ikuvumela ukuba wenze kwaye ubange ukutsalwa kwerhafu okuninzi kunye namatyala.
Ilizwe: $ 36,99
Le nguqulo iphantse yafana ne-Deluxe, kodwa ikuvumela ukuba wenze ibango lepropati yerenti kunye nayo nayiphi na ingeniso yotyalo-mali.
Ilizwe: $ 36,99
Ilungele abazimele, iikontraka ezizimeleyo kunye nabanini bamashishini amancinci, le nguqulelo ikwakuvumela ukuba ungenise naziphi na iindleko zika-Uber.
I-TurboTax vs. H & R Block: Iinketho zasimahla
Ukuba konke ekufuneka uphendule ngako ngumvuzo wakho we-W-2, intlawulo yerhafu yengeniso oyifumeneyo okanye ikhredithi yerhafu yomntwana, zombini i-TurboTax kunye ne-H&R Block zikuhlawulele ngeenguqulelo zasimahla zesoftware yazo yerhafu.
Kodwa inkqubo yokufayilisha irhafu yasimahla ye-H&R Block iza ne-perk eyongezelelweyo: Inketho yokufaka iishedyuli 1 kunye ne-3 yefom ye-1040, eluncedo-kwaye ifunwa rhoqo-kubahlawuli berhafu ekufuneka baphendule ngokutsalwa okuqhelekileyo njengeentlawulo ze-mortgage, inzala yemali mboleko yabafundi, ingeniso yeshishini, i-alimony, iindleko zokunyamekela abaxhomekeke kunye nokunye.
I-TurboTax vs. H&R Block: Ubuhlobo bomsebenzisi
Umbuzo kunye nefomathi yempendulo yesoftware yeTurboTax ngokwenene ikwinotshi ephezulu. Yenza ukuba ukugcwalisa imbuyekezo yakho yerhafu uzive kunencoko ngakumbi kunokuhamba ngomgca ngomgca ngengeniso efunyenweyo kunye neendleko kunye nokutsalwa.
Oko kwathiwa, zombini i-TurboTax kunye ne-H & R Block zibonelela ngamava alula nathe ngqo omsebenzisi abeka nabahlawuli berhafu abaqalayo kwisihlalo somqhubi. (Ukufikelela kulwazi olufana nezifundo zevidiyo okanye amanqaku anamacebiso akhawulezayo kunye neengcaphephe zokuqonda ziyafumaneka kuzo zombini iisayithi.)
Ukongeza, zombini ezi nkonzo zikuvumela ukuba ubone ukutsalwa okwahlukeneyo okutsalwayo kwimbuyekezo yakho ngexesha lokwenyani usebenzisa iticker kanye phezulu kwesikrini.
I-TurboTax vs. H & R Block: Inkonzo yabaThengi
NgeTurboTax, bonke abasebenzisi banokufikelela kwi-chatbot okanye ifom yoqhagamshelwano kwimibuzo yetekhnoloji ekhula ngelixa usebenzisa iqonga. Kodwa ukuba ukhuphela iTurboTax Live, kulapho inkonzo icula khona. Cofa ingcali ye-TurboTax kuzo zonke iiyure zobusuku (nangona unokulindela amaxesha amade okulinda ngokukhawuleza nje ngo-Aprili we-15 i-looms) okanye wenze idinga kwangaphambili ukuze uhlolisise imbuyekezo yakho. Uncedo lunikezelwa nge-screenshare apho ufumana ukubona ubuso beCPA yakho (abanakukubona, isikrini sakho kuphela).
Kulo nyaka, unokuphinda ungene kwi-TurboTax Full Service, oku kuthetha ukuba ulayisha amaxwebhu akho erhafu kwi-portal ekhuselekileyo kunye nomntu ophilayo ngokwenene-owabelwe ngokusekelwe kwiimfuno zakho zerhafu-ubeka imbuyekezo yakho kunye nomrhumo. (Amaxabiso aqala kwi-130 yeedola kwimbuyekezo ye-federal kunye ne-45 yeedola zombuso.) Uya kuba nomnxeba wevidiyo ekuqaleni, emva koko kwakhona xa ukubuyisela kwakho kukulungele ukufakwa.
I-H&R Block inokhuphiswano oluhle apha. Iphakheji yabo entsha kraca yoNcedo lwe-Intanethi isebenza kakhulu njengeTurboTax Live, ikunika ufikelelo olufunekayo kunye neeseshini zokwabelana ngesikrini kunye ne-CPA yomrhumo owongeziweyo.
I-H&R Block ikwabonelela ngenkonzo yabo yoPhononongo lweRhafu yeRhafu (amaxabiso aqala kwi-40 yeedola), ebonelela ngophononongo lwe-one-on-one yembuyekezo yakho ukujonga iimpazamo ngaphambi kokuba ufake ifayile kunye nokutsalwa okuphosiweyo okanye iikhredithi. Ungade ucele irhafu efanayo okhe wayisebenzisa kwiminyaka edlulileyo-i-perk kuye nabani na onomdla wokwakha ubudlelwane apha. Kodwa nge-H&R Block, ukwanalo nokukhetha ukudibana buqu nengcali yerhafu kwenye yeendawo zabo ezininzi zezitena kunye nodaka. (FYI, ukuqeshwa komntu ngaphakathi kuqala kwi-$69.)
I-TurboTax vs. H&R Block: Izixhobo zeCoronavirus
Kuzo zombini i-TurboTax kunye ne-H&R Block, iingcali zerhafu zizazi kakuhle izinto ezinxulumene ne-COVID-19 ezinokuchaphazela okanye zingachaphazeli irhafu yakho ngo-2020. kwakhona.) Nokuba oku kuthetha ukuba, ukungaqeshwa kufuneka uphendule okanye indlela i-stimulus check izakuchaphazela ngayo imbuyekezo yakho, ungalindela ulwazi oluninzi oluvela kwiindawo zombini. (I-TurboTax inezinye izichazi Apha ; H&R Block Apha .)
Ngokuphathelele indawo ye-H & R Block yezitena kunye neendawo zodaka, zivulekele ukuqeshwa komntu-mntu ngeli xesha lerhafu, kodwa kuya kufuneka ukhangele ukuba iinkonzo azichatshazelwa kukuvalwa okanye ezinye izithintelo zoshishino ngokusekelwe kwiinombolo zamatyala kwindawo yakho. Izikhokelo ezingqongqo zokungena eluntwini ziyanyanzeliswa, kunye nokunxiba imaski kunye ezinye iiprothokholi zokhuseleko .
I-TurboTax vs. H&R Block: Yeyiphi Ekulungeleyo?
Zombini ezi nkonzo zikhuphisana kakhulu kulo nyaka, ngenxa yokongezwa kwe-H&R Block yoNcedo lwe-Intanethi (umnikelo ofanayo kakhulu kwi-TurboTax Live). Ngokuphathelele kutheni ukhetha inkonzo enye ngaphezulu kwenye, i-H&R Block ifanelekile kuye nabani na ofuna ukhetho lobuqu kunye nokhuphiswano olungakumbi lwamaxabiso. Bakwanikezela ngezixhobo ezibanzi ngakumbi kwinguqulelo yabo yasimahla.
Okwangoku, i-TurboTax yinto ebalaseleyo kubasebenzisi bayo. Ifomati yabo ye-Q&A zombini ayinamthungo ukuhamba kwaye ibanzi. (Kunzima ukukhuphisana naloo nto xa iirhafu zinzima kakhulu, ngakumbi kunyaka wobhubhane.)
Ekupheleni kosuku, yehla kukhetho lomntu ... okanye ixabiso lilonke.
ENXULUMENEYO: Izinto ezi-7 ezinokuthi zitshintshe kwiRhafu yakho ngo-2020
Eyona nto ingcono kwiimbuyekezo zerhafu ezilula (oku kuthetha ukuba uceba ukufaka ibango nakuphi na ukutsalwa ngaphaya komgangatho, intlawulo yerhafu yengeniso efunyenweyo kunye nekhredithi yerhafu yomntwana), le nguqulo ikuvumela ukuba ufake ifayile ye-1040 kunye nembuyekezo yelizwe simahla.
Ilizwe:
Ixesha lerhafu liphezu kwethu kwaye, ukusukela ngoku, umhla wokugqibela we-15 ka-Epreli awuzukwandiswa ngo-2021. Kodwa ngeli xesha zonke izithuba-nkqu nezo zikwi-ofisi yezitena kunye nodaka-ziya kuqhutywa malunga nalo nyaka, amaqonga afana I-TurboTax kwaye H&R Block zisengumgangatho wegolide xa kufikwa kwiimbuyekezo zerhafu ezisebenziseka lula kunye nezisebenzisekayo kwi-intanethi. Kodwa yeyiphi inkonzo ekulungeleyo? Siqhekeza ukufana kunye nomahluko phakathi kweesayithi zombini.
I-TurboTax vs. H&R Block
Ngoku ukuba i-H & R Block yongeze i-Online Assist, ukhetho lokuthetha ngokuthe ngqo kunye neengcali zerhafu kwimfuno (kunye nentlawulo eyongezelelweyo), banokuthi bakhuphisane neTurboTax xa kuziwa kwiinkonzo zabo zerhafu. Nangona kunjalo, kukho iiyantlukwano ezimbini ezibalulekileyo. I-TurboTax yaziwa ngefomathi yemibuzo kunye neempendulo, eyenza ukuzalisa imbuyekezo yerhafu uzive unzima kakhulu kunokuba iqhele ukuba njalo. Kwi-flip side, i-H&R Block ineendawo ezingaphezu kwe-11,000 zezitena kunye nodaka, okuthetha ukuncokola ne-IRL kunye nengcali lukhetho nangaliphi na ixesha endleleni.
I-TurboTax
I-TurboTax ikhona ukusukela ngeminyaka yoo-1980s kwaye iyathandwa ngenxa yokucoceka kwayo kunye nojongano olusekwe kumbuzo kunye nenyaniso yokuba ingqamanisa ngokungenamthungo kunye ne-Quickbooks, ephethwe yi-Intuit (inkampani yesoftware yezemali eyenzeka nokuba yeyomnini weTurboTax). Kukwakho inkitha yeenketho zokufakela okoqobo kunye nesikali esityibilikayo samaxabiso, kuxhomekeke kwiimfuno zakho zerhafu.
Iimpawu eziphambili zeTurboTax ziquka:
H&R Block
H&R Block yaqalwa ngo-1950s kwaye ibisenza iirhafu zaseMelika ukusukela ngoko, ngaphezulu kwe-11,000 yeendawo ezibonakalayo kwilizwe jikelele. Kodwa iinketho ezibonakalayo zininzi, kwaye, kwaye kuninzi njengeTurboTax, amanqanaba ahlukeneyo enkxaso anikezelwayo (kwakhona, kunye noluhlu olusilayidi lweendleko) ngokusekelwe kwindlela enzima ngayo imeko yakho yerhafu.
Iimpawu ezibalaseleyo zeH&R block ziquka:
TurboTax Overview
Ngeendlela ezininzi, iTurboTax ifana nje neentengiso-ujongano lwesitayile se-Q&A luziva luyincoko njengoko ugqibezela icandelo ngalinye lembuyekezo yakho. Ngaba uthenge ikhaya kulo nyaka? Unabantwana? Indlela ophendula ngayo inceda iTurboTax ivelise iifomu ezisebenza kakhulu kubomi bakho nakwimeko yakho yerhafu.
Ukuba ufaka imbuyekezo elula (ngokuqhelekileyo enye ebandakanya ingeniso ye-W-2, iikhredithi zerhafu zabantwana, njl.), Inguqulelo yasimahla yeTurboTax kufuneka yanele. Kodwa ukuba unomntwana ekholejini (o.k.t. ukutsalwa kwerhafu enxulumene nemfundo) okanye inzuzo eyinkunzi kunye nelahleko ukuze unike ingxelo okanye ingeniso yotyalo-mali, kuya kufuneka uphucule uye kwelinye lamahlelo abo alungiselelwe ukujongana neerhafu ezinzima. (Iinkcukacha ezongezelelekileyo malunga nesakhiwo samaxabiso seTurboTax singezantsi.)
Yintoni enhle ngeTurboTax ibandakanya ukhetho lokungenisa ulwazi lwerhafu yonyaka odlulileyo ukuba usebenzise iTurboTax okanye hayi. (Oku kunceda ukwenza lula kunye nokugcina ixesha lilonke.) Kukwakho ne-TurboTax CompleteCheck feature (encomekayo) ehlola iimpazamo zomzuzu wokugqibela ngaphambi kokuba ufake ifayile.
Ibhonasi: Ukuba uthatha isigqibo sokusebenzisa i-TurboTax's Live version, uya kufumana uncedo lwevidiyo olufunwayo oluvela kwi-CPA eya kwenza uphononongo lwembuyekezo yakho ukongeza ekujonganeni nayo nayiphi na imibuzo ephumayo endleleni. Kukwakho nenketho entsha kraca yokunikezela ngembuyekezo yakho yonke (phantse) kumcwangcisi-mali ongayi kulungiselela imbuyekezo yakho kuphela, kodwa akufake i-ping xa ilixesha lokusayina.
Ezinye izixhobo eziluncedo ziquka:
Ibali elide elifutshane: I-TurboTax yeyona nto ilungileyo kumava ayo asebenziseka lula kunye noluhlu lweenketho zenkxaso. Iinkonzo zayo zikwicala lamaxabiso xa kuthelekiswa nabakhuphisana nabo, kodwa umbuzo kunye nefomathi yempendulo ngokwenene igqame ngokwemigaqo yokwenza lula amava erhafu.
H&R Block Overview
Kanye njenge-TurboTax, i-H&R Block ibonelela ngoluhlu lweempawu ezisebenziseka lula zokufakela imbuyekezo yakho yerhafu kwi-intanethi, kubandakanywa ukhetho lokufumana uncedo oluphilayo (kunye nolufunwayo) oluvela kwingcali yerhafu nanini na xa ulufuna kuyo yonke inkqubo ngeendleko ezongezelelweyo.
I-interface kulula ukuyisebenzisa, nayo. I-H&R Block ikuhambisa ngokucacileyo kumvuzo wakho, imali exhuzulwayo kunye neekhredithi, kunye neemeko ezizodwa, ngaphambi kokuba ufake ifayile enamaqhosha angakumbi akhoyo okuchaza nayiphi na imibuzo entsonkothileyo.
Nge-H&R Block, ukhetho lwabo lwasimahla-olulungile kuye nabani na onomvuzo we-W-2 ukuba axele kunye nokufanelekela intlawulo yerhafu yomntwana okanye intlawulo yerhafu yengeniso okanye umvuzo ongaphangeliyo-iyakhanya ngokwenene. Ikwakuvumela ukuba ufake iishedyuli 1 kunye ne-3 yefomu ye-1040, ibhonasi kuba, kwiimeko ezininzi, uya kuzifuna ezi fomu ukuze utsale inzala ye-mortgage, i-alimony kunye neminikelo ethile yomhlalaphantsi. Oko kuthethiweyo, kuye nabani na ofuna ukutsalwa kwento (yithi, unengeniso yokuzisebenzela ukuze uxele), kuya kufuneka utyale imali kwenye yeenguqulelo zabo eziphuculweyo. (Iinkcukacha ezongezelelekileyo malunga nesakhiwo samaxabiso se-H&R Block singezantsi.)
Ubuchwephesha berhafu obukhoyo obunikezelwa yi-H&R Block bususela kwisiqulatho serhafu esiphendkayo (cinga iividiyo zokufundisa) ukuya kuncedo lwerhafu lomntu-on-one oluvela kwi-CPA yokwenyani. Inkqubo yabo entsha yoNcedo lwe-Intanethi yenza ukuba iinkonzo zabo zikhuphisane ne-TurboTax njengoko unokuhlawulela ngokungenamkhawulo, iingcebiso zerhafu ezifunwayo (ukwabelana ngesikrini kubandakanywa) kunye ne-CPA nangaliphi na ixesha ngexesha lenkqubo yakho yokufayilisha. (Hlala ukhumbula ukuba i-H&R Block pros ayizukuphonononga, isayine okanye i-e-file imbuyekezo yakho.)
Okokugqibela, njengeTurboTax, iH&R Block ikunika ithuba lokungenisa imbuyekezo yerhafu yonyaka ophelileyo kuye nawuphi na umnikezeli (kunokufuneka ulayishe iPDF, kodwa inkqubo ayinamthungo) kwaye ikuvumela ukuba ugcine iithebhu kwi-software yakho iyonke echithwe ngokusebenzisa iticker phezulu (iluncedo ukuba ngequbuliso ubethe ibhlokhi yendlela kwimbuyekezo yakho kwaye uthathe isigqibo sokucela uncedo kwenye yeenzuzo zabo zerhafu emva kwayo yonke loo nto).
Ezinye izixhobo eziluncedo ziquka:
Ibali elide elifutshane: H & R Block ilungele uluhlu lwayo iinketho-kuquka ukukwazi okunene ukuhlangabezana CPA ebomini bokwenene. Ikwanayo nesakhiwo samaxabiso esinokhuphiswano ngakumbi kuneTurboTax.
I-TurboTax vs. H&R Block: Iindleko
Ekupheleni kosuku, i-H & R Block ixabisa ngaphantsi kweTurboTax, kodwa iphakheji nganye inikezela ngeempawu ezahlukeneyo, ngoko ke ukhetho luza kuwe kunye neemfuno zakho zerhafu.
Ulwakhiwo lwamaxabiso eTurboTax luqhekeka ngolu hlobo:
Ilizwe: $0
Eyona nto ingcono kwiimbuyekezo zerhafu ezilula (oku kuthetha ukuba uceba ukufaka ibango nakuphi na ukutsalwa ngaphaya komgangatho, intlawulo yerhafu yengeniso efunyenweyo kunye nekhredithi yerhafu yomntwana), le nguqulo ikuvumela ukuba ufake ifayile ye-1040 kunye nembuyekezo yelizwe simahla.
Ilizwe: $0
Ekuphela kwento eyahlula oku kuguqulelo lwasimahla kukuba ibandakanya ukufikelela kwividiyo ekufunwayo kwipro yerhafu.
Ilizwe: $50 ($55 nge Live)
Ilungele nabani na okhetha ukwenza into yokubuyiswa kwerhafu, kunye nebango lokutsalwa kwerhafu ezininzi kunye neekhredithi zerhafu, nazo. Kwakhona, kuluncedo ukuba unengeniso yeshishini ngaphandle kweendleko.
Ilizwe: $50 ($55 nge Live)
Le nguqulo iyafana neDeluxe kodwa yongeza inketho yokuchaza utyalo-mali kunye nayo nayiphi na ingeniso yerenti.
Ilizwe: $50 ($55 nge Live)
Kuyafana nenguqulelo yeNkulumbuso, kodwa ibandakanya ingeniso yeshishini kunye neendleko, kunye nokutsalwa kwe-ofisi yekhaya. Ungayingqamanisa ne-Square, iLyft kunye ne-Uber ukungenisa iindleko.
Ulwakhiwo lwamaxabiso e-H&R Block luqhekeka ngolu hlobo:
Ilizwe: $0
Le nguqulo ikuvumela ukuba ugcwalise imbuyekezo yerhafu elula (ethetha ukuba uceba ukufaka ibango nakuphi na ukutsalwa ngaphaya komgangatho, ingeniso yekhredithi yerhafu yengeniso kunye nekhredithi yerhafu yomntwana), ukongeza kwiishedyuli 1 kunye ne-3 simahla.
Ilizwe: $0
Oku kuyafana nenguqulelo yasimahla, ngaphandle kokuba unokufikelela kwiingcali zerhafu ze-H&R Block zoncedo lwerhafu olufunekayo.
Ilizwe: $ 36,99
Le nguqulo ikuvumela ukuba wenze kwaye ubange ukutsalwa kwerhafu okuninzi kunye namatyala.
Ilizwe: $ 36,99
Le nguqulo iphantse yafana ne-Deluxe, kodwa ikuvumela ukuba wenze ibango lepropati yerenti kunye nayo nayiphi na ingeniso yotyalo-mali.
Ilizwe: $ 36,99
Ilungele abazimele, iikontraka ezizimeleyo kunye nabanini bamashishini amancinci, le nguqulelo ikwakuvumela ukuba ungenise naziphi na iindleko zika-Uber.
I-TurboTax vs. H & R Block: Iinketho zasimahla
Ukuba konke ekufuneka uphendule ngako ngumvuzo wakho we-W-2, intlawulo yerhafu yengeniso oyifumeneyo okanye ikhredithi yerhafu yomntwana, zombini i-TurboTax kunye ne-H&R Block zikuhlawulele ngeenguqulelo zasimahla zesoftware yazo yerhafu.
Kodwa inkqubo yokufayilisha irhafu yasimahla ye-H&R Block iza ne-perk eyongezelelweyo: Inketho yokufaka iishedyuli 1 kunye ne-3 yefom ye-1040, eluncedo-kwaye ifunwa rhoqo-kubahlawuli berhafu ekufuneka baphendule ngokutsalwa okuqhelekileyo njengeentlawulo ze-mortgage, inzala yemali mboleko yabafundi, ingeniso yeshishini, i-alimony, iindleko zokunyamekela abaxhomekeke kunye nokunye.
I-TurboTax vs. H&R Block: Ubuhlobo bomsebenzisi
Umbuzo kunye nefomathi yempendulo yesoftware yeTurboTax ngokwenene ikwinotshi ephezulu. Yenza ukuba ukugcwalisa imbuyekezo yakho yerhafu uzive kunencoko ngakumbi kunokuhamba ngomgca ngomgca ngengeniso efunyenweyo kunye neendleko kunye nokutsalwa.
Oko kwathiwa, zombini i-TurboTax kunye ne-H & R Block zibonelela ngamava alula nathe ngqo omsebenzisi abeka nabahlawuli berhafu abaqalayo kwisihlalo somqhubi. (Ukufikelela kulwazi olufana nezifundo zevidiyo okanye amanqaku anamacebiso akhawulezayo kunye neengcaphephe zokuqonda ziyafumaneka kuzo zombini iisayithi.)
Ukongeza, zombini ezi nkonzo zikuvumela ukuba ubone ukutsalwa okwahlukeneyo okutsalwayo kwimbuyekezo yakho ngexesha lokwenyani usebenzisa iticker kanye phezulu kwesikrini.
I-TurboTax vs. H & R Block: Inkonzo yabaThengi
NgeTurboTax, bonke abasebenzisi banokufikelela kwi-chatbot okanye ifom yoqhagamshelwano kwimibuzo yetekhnoloji ekhula ngelixa usebenzisa iqonga. Kodwa ukuba ukhuphela iTurboTax Live, kulapho inkonzo icula khona. Cofa ingcali ye-TurboTax kuzo zonke iiyure zobusuku (nangona unokulindela amaxesha amade okulinda ngokukhawuleza nje ngo-Aprili we-15 i-looms) okanye wenze idinga kwangaphambili ukuze uhlolisise imbuyekezo yakho. Uncedo lunikezelwa nge-screenshare apho ufumana ukubona ubuso beCPA yakho (abanakukubona, isikrini sakho kuphela).
Kulo nyaka, unokuphinda ungene kwi-TurboTax Full Service, oku kuthetha ukuba ulayisha amaxwebhu akho erhafu kwi-portal ekhuselekileyo kunye nomntu ophilayo ngokwenene-owabelwe ngokusekelwe kwiimfuno zakho zerhafu-ubeka imbuyekezo yakho kunye nomrhumo. (Amaxabiso aqala kwi-130 yeedola kwimbuyekezo ye-federal kunye ne-45 yeedola zombuso.) Uya kuba nomnxeba wevidiyo ekuqaleni, emva koko kwakhona xa ukubuyisela kwakho kukulungele ukufakwa.
I-H&R Block inokhuphiswano oluhle apha. Iphakheji yabo entsha kraca yoNcedo lwe-Intanethi isebenza kakhulu njengeTurboTax Live, ikunika ufikelelo olufunekayo kunye neeseshini zokwabelana ngesikrini kunye ne-CPA yomrhumo owongeziweyo.
I-H&R Block ikwabonelela ngenkonzo yabo yoPhononongo lweRhafu yeRhafu (amaxabiso aqala kwi-40 yeedola), ebonelela ngophononongo lwe-one-on-one yembuyekezo yakho ukujonga iimpazamo ngaphambi kokuba ufake ifayile kunye nokutsalwa okuphosiweyo okanye iikhredithi. Ungade ucele irhafu efanayo okhe wayisebenzisa kwiminyaka edlulileyo-i-perk kuye nabani na onomdla wokwakha ubudlelwane apha. Kodwa nge-H&R Block, ukwanalo nokukhetha ukudibana buqu nengcali yerhafu kwenye yeendawo zabo ezininzi zezitena kunye nodaka. (FYI, ukuqeshwa komntu ngaphakathi kuqala kwi-$69.)
I-TurboTax vs. H&R Block: Izixhobo zeCoronavirus
Kuzo zombini i-TurboTax kunye ne-H&R Block, iingcali zerhafu zizazi kakuhle izinto ezinxulumene ne-COVID-19 ezinokuchaphazela okanye zingachaphazeli irhafu yakho ngo-2020. kwakhona.) Nokuba oku kuthetha ukuba, ukungaqeshwa kufuneka uphendule okanye indlela i-stimulus check izakuchaphazela ngayo imbuyekezo yakho, ungalindela ulwazi oluninzi oluvela kwiindawo zombini. (I-TurboTax inezinye izichazi Apha ; H&R Block Apha .)
Ngokuphathelele indawo ye-H & R Block yezitena kunye neendawo zodaka, zivulekele ukuqeshwa komntu-mntu ngeli xesha lerhafu, kodwa kuya kufuneka ukhangele ukuba iinkonzo azichatshazelwa kukuvalwa okanye ezinye izithintelo zoshishino ngokusekelwe kwiinombolo zamatyala kwindawo yakho. Izikhokelo ezingqongqo zokungena eluntwini ziyanyanzeliswa, kunye nokunxiba imaski kunye ezinye iiprothokholi zokhuseleko .
I-TurboTax vs. H&R Block: Yeyiphi Ekulungeleyo?
Zombini ezi nkonzo zikhuphisana kakhulu kulo nyaka, ngenxa yokongezwa kwe-H&R Block yoNcedo lwe-Intanethi (umnikelo ofanayo kakhulu kwi-TurboTax Live). Ngokuphathelele kutheni ukhetha inkonzo enye ngaphezulu kwenye, i-H&R Block ifanelekile kuye nabani na ofuna ukhetho lobuqu kunye nokhuphiswano olungakumbi lwamaxabiso. Bakwanikezela ngezixhobo ezibanzi ngakumbi kwinguqulelo yabo yasimahla.
Okwangoku, i-TurboTax yinto ebalaseleyo kubasebenzisi bayo. Ifomati yabo ye-Q&A zombini ayinamthungo ukuhamba kwaye ibanzi. (Kunzima ukukhuphisana naloo nto xa iirhafu zinzima kakhulu, ngakumbi kunyaka wobhubhane.)
Ekupheleni kosuku, yehla kukhetho lomntu ... okanye ixabiso lilonke.
ENXULUMENEYO: Izinto ezi-7 ezinokuthi zitshintshe kwiRhafu yakho ngo-2020
Ekuphela kwento eyahlula oku kuguqulelo lwasimahla kukuba ibandakanya ukufikelela kwividiyo ekufunwayo kwipro yerhafu.
Ilizwe: ( nge Live)
Ilungele nabani na okhetha ukwenza into yokubuyiswa kwerhafu, kunye nebango lokutsalwa kwerhafu ezininzi kunye neekhredithi zerhafu, nazo. Kwakhona, kuluncedo ukuba unengeniso yeshishini ngaphandle kweendleko.
Ilizwe: ( nge Live)
Le nguqulo iyafana neDeluxe kodwa yongeza inketho yokuchaza utyalo-mali kunye nayo nayiphi na ingeniso yerenti.
Ilizwe: ( nge Live)
Kuyafana nenguqulelo yeNkulumbuso, kodwa ibandakanya ingeniso yeshishini kunye neendleko, kunye nokutsalwa kwe-ofisi yekhaya. Ungayingqamanisa ne-Square, iLyft kunye ne-Uber ukungenisa iindleko.
Ulwakhiwo lwamaxabiso e-H&R Block luqhekeka ngolu hlobo:
Ixesha lerhafu liphezu kwethu kwaye, ukusukela ngoku, umhla wokugqibela we-15 ka-Epreli awuzukwandiswa ngo-2021. Kodwa ngeli xesha zonke izithuba-nkqu nezo zikwi-ofisi yezitena kunye nodaka-ziya kuqhutywa malunga nalo nyaka, amaqonga afana I-TurboTax kwaye H&R Block zisengumgangatho wegolide xa kufikwa kwiimbuyekezo zerhafu ezisebenziseka lula kunye nezisebenzisekayo kwi-intanethi. Kodwa yeyiphi inkonzo ekulungeleyo? Siqhekeza ukufana kunye nomahluko phakathi kweesayithi zombini.
I-TurboTax vs. H&R Block
Ngoku ukuba i-H & R Block yongeze i-Online Assist, ukhetho lokuthetha ngokuthe ngqo kunye neengcali zerhafu kwimfuno (kunye nentlawulo eyongezelelweyo), banokuthi bakhuphisane neTurboTax xa kuziwa kwiinkonzo zabo zerhafu. Nangona kunjalo, kukho iiyantlukwano ezimbini ezibalulekileyo. I-TurboTax yaziwa ngefomathi yemibuzo kunye neempendulo, eyenza ukuzalisa imbuyekezo yerhafu uzive unzima kakhulu kunokuba iqhele ukuba njalo. Kwi-flip side, i-H&R Block ineendawo ezingaphezu kwe-11,000 zezitena kunye nodaka, okuthetha ukuncokola ne-IRL kunye nengcali lukhetho nangaliphi na ixesha endleleni.
I-TurboTax
I-TurboTax ikhona ukusukela ngeminyaka yoo-1980s kwaye iyathandwa ngenxa yokucoceka kwayo kunye nojongano olusekwe kumbuzo kunye nenyaniso yokuba ingqamanisa ngokungenamthungo kunye ne-Quickbooks, ephethwe yi-Intuit (inkampani yesoftware yezemali eyenzeka nokuba yeyomnini weTurboTax). Kukwakho inkitha yeenketho zokufakela okoqobo kunye nesikali esityibilikayo samaxabiso, kuxhomekeke kwiimfuno zakho zerhafu.
Iimpawu eziphambili zeTurboTax ziquka:
H&R Block
H&R Block yaqalwa ngo-1950s kwaye ibisenza iirhafu zaseMelika ukusukela ngoko, ngaphezulu kwe-11,000 yeendawo ezibonakalayo kwilizwe jikelele. Kodwa iinketho ezibonakalayo zininzi, kwaye, kwaye kuninzi njengeTurboTax, amanqanaba ahlukeneyo enkxaso anikezelwayo (kwakhona, kunye noluhlu olusilayidi lweendleko) ngokusekelwe kwindlela enzima ngayo imeko yakho yerhafu.
Iimpawu ezibalaseleyo zeH&R block ziquka:
TurboTax Overview
Ngeendlela ezininzi, iTurboTax ifana nje neentengiso-ujongano lwesitayile se-Q&A luziva luyincoko njengoko ugqibezela icandelo ngalinye lembuyekezo yakho. Ngaba uthenge ikhaya kulo nyaka? Unabantwana? Indlela ophendula ngayo inceda iTurboTax ivelise iifomu ezisebenza kakhulu kubomi bakho nakwimeko yakho yerhafu.
Ukuba ufaka imbuyekezo elula (ngokuqhelekileyo enye ebandakanya ingeniso ye-W-2, iikhredithi zerhafu zabantwana, njl.), Inguqulelo yasimahla yeTurboTax kufuneka yanele. Kodwa ukuba unomntwana ekholejini (o.k.t. ukutsalwa kwerhafu enxulumene nemfundo) okanye inzuzo eyinkunzi kunye nelahleko ukuze unike ingxelo okanye ingeniso yotyalo-mali, kuya kufuneka uphucule uye kwelinye lamahlelo abo alungiselelwe ukujongana neerhafu ezinzima. (Iinkcukacha ezongezelelekileyo malunga nesakhiwo samaxabiso seTurboTax singezantsi.)
Yintoni enhle ngeTurboTax ibandakanya ukhetho lokungenisa ulwazi lwerhafu yonyaka odlulileyo ukuba usebenzise iTurboTax okanye hayi. (Oku kunceda ukwenza lula kunye nokugcina ixesha lilonke.) Kukwakho ne-TurboTax CompleteCheck feature (encomekayo) ehlola iimpazamo zomzuzu wokugqibela ngaphambi kokuba ufake ifayile.
Ibhonasi: Ukuba uthatha isigqibo sokusebenzisa i-TurboTax's Live version, uya kufumana uncedo lwevidiyo olufunwayo oluvela kwi-CPA eya kwenza uphononongo lwembuyekezo yakho ukongeza ekujonganeni nayo nayiphi na imibuzo ephumayo endleleni. Kukwakho nenketho entsha kraca yokunikezela ngembuyekezo yakho yonke (phantse) kumcwangcisi-mali ongayi kulungiselela imbuyekezo yakho kuphela, kodwa akufake i-ping xa ilixesha lokusayina.
Ezinye izixhobo eziluncedo ziquka:
Ibali elide elifutshane: I-TurboTax yeyona nto ilungileyo kumava ayo asebenziseka lula kunye noluhlu lweenketho zenkxaso. Iinkonzo zayo zikwicala lamaxabiso xa kuthelekiswa nabakhuphisana nabo, kodwa umbuzo kunye nefomathi yempendulo ngokwenene igqame ngokwemigaqo yokwenza lula amava erhafu.
H&R Block Overview
Kanye njenge-TurboTax, i-H&R Block ibonelela ngoluhlu lweempawu ezisebenziseka lula zokufakela imbuyekezo yakho yerhafu kwi-intanethi, kubandakanywa ukhetho lokufumana uncedo oluphilayo (kunye nolufunwayo) oluvela kwingcali yerhafu nanini na xa ulufuna kuyo yonke inkqubo ngeendleko ezongezelelweyo.
I-interface kulula ukuyisebenzisa, nayo. I-H&R Block ikuhambisa ngokucacileyo kumvuzo wakho, imali exhuzulwayo kunye neekhredithi, kunye neemeko ezizodwa, ngaphambi kokuba ufake ifayile enamaqhosha angakumbi akhoyo okuchaza nayiphi na imibuzo entsonkothileyo.
Nge-H&R Block, ukhetho lwabo lwasimahla-olulungile kuye nabani na onomvuzo we-W-2 ukuba axele kunye nokufanelekela intlawulo yerhafu yomntwana okanye intlawulo yerhafu yengeniso okanye umvuzo ongaphangeliyo-iyakhanya ngokwenene. Ikwakuvumela ukuba ufake iishedyuli 1 kunye ne-3 yefomu ye-1040, ibhonasi kuba, kwiimeko ezininzi, uya kuzifuna ezi fomu ukuze utsale inzala ye-mortgage, i-alimony kunye neminikelo ethile yomhlalaphantsi. Oko kuthethiweyo, kuye nabani na ofuna ukutsalwa kwento (yithi, unengeniso yokuzisebenzela ukuze uxele), kuya kufuneka utyale imali kwenye yeenguqulelo zabo eziphuculweyo. (Iinkcukacha ezongezelelekileyo malunga nesakhiwo samaxabiso se-H&R Block singezantsi.)
Ubuchwephesha berhafu obukhoyo obunikezelwa yi-H&R Block bususela kwisiqulatho serhafu esiphendkayo (cinga iividiyo zokufundisa) ukuya kuncedo lwerhafu lomntu-on-one oluvela kwi-CPA yokwenyani. Inkqubo yabo entsha yoNcedo lwe-Intanethi yenza ukuba iinkonzo zabo zikhuphisane ne-TurboTax njengoko unokuhlawulela ngokungenamkhawulo, iingcebiso zerhafu ezifunwayo (ukwabelana ngesikrini kubandakanywa) kunye ne-CPA nangaliphi na ixesha ngexesha lenkqubo yakho yokufayilisha. (Hlala ukhumbula ukuba i-H&R Block pros ayizukuphonononga, isayine okanye i-e-file imbuyekezo yakho.)
Okokugqibela, njengeTurboTax, iH&R Block ikunika ithuba lokungenisa imbuyekezo yerhafu yonyaka ophelileyo kuye nawuphi na umnikezeli (kunokufuneka ulayishe iPDF, kodwa inkqubo ayinamthungo) kwaye ikuvumela ukuba ugcine iithebhu kwi-software yakho iyonke echithwe ngokusebenzisa iticker phezulu (iluncedo ukuba ngequbuliso ubethe ibhlokhi yendlela kwimbuyekezo yakho kwaye uthathe isigqibo sokucela uncedo kwenye yeenzuzo zabo zerhafu emva kwayo yonke loo nto).
Ezinye izixhobo eziluncedo ziquka:
Ibali elide elifutshane: H & R Block ilungele uluhlu lwayo iinketho-kuquka ukukwazi okunene ukuhlangabezana CPA ebomini bokwenene. Ikwanayo nesakhiwo samaxabiso esinokhuphiswano ngakumbi kuneTurboTax.
I-TurboTax vs. H&R Block: Iindleko
Ekupheleni kosuku, i-H & R Block ixabisa ngaphantsi kweTurboTax, kodwa iphakheji nganye inikezela ngeempawu ezahlukeneyo, ngoko ke ukhetho luza kuwe kunye neemfuno zakho zerhafu.
Ulwakhiwo lwamaxabiso eTurboTax luqhekeka ngolu hlobo:
Ilizwe: $0
Eyona nto ingcono kwiimbuyekezo zerhafu ezilula (oku kuthetha ukuba uceba ukufaka ibango nakuphi na ukutsalwa ngaphaya komgangatho, intlawulo yerhafu yengeniso efunyenweyo kunye nekhredithi yerhafu yomntwana), le nguqulo ikuvumela ukuba ufake ifayile ye-1040 kunye nembuyekezo yelizwe simahla.
Ilizwe: $0
Ekuphela kwento eyahlula oku kuguqulelo lwasimahla kukuba ibandakanya ukufikelela kwividiyo ekufunwayo kwipro yerhafu.
Ilizwe: $50 ($55 nge Live)
Ilungele nabani na okhetha ukwenza into yokubuyiswa kwerhafu, kunye nebango lokutsalwa kwerhafu ezininzi kunye neekhredithi zerhafu, nazo. Kwakhona, kuluncedo ukuba unengeniso yeshishini ngaphandle kweendleko.
Ilizwe: $50 ($55 nge Live)
Le nguqulo iyafana neDeluxe kodwa yongeza inketho yokuchaza utyalo-mali kunye nayo nayiphi na ingeniso yerenti.
Ilizwe: $50 ($55 nge Live)
Kuyafana nenguqulelo yeNkulumbuso, kodwa ibandakanya ingeniso yeshishini kunye neendleko, kunye nokutsalwa kwe-ofisi yekhaya. Ungayingqamanisa ne-Square, iLyft kunye ne-Uber ukungenisa iindleko.
Ulwakhiwo lwamaxabiso e-H&R Block luqhekeka ngolu hlobo:
Ilizwe: $0
Le nguqulo ikuvumela ukuba ugcwalise imbuyekezo yerhafu elula (ethetha ukuba uceba ukufaka ibango nakuphi na ukutsalwa ngaphaya komgangatho, ingeniso yekhredithi yerhafu yengeniso kunye nekhredithi yerhafu yomntwana), ukongeza kwiishedyuli 1 kunye ne-3 simahla.
Ilizwe: $0
Oku kuyafana nenguqulelo yasimahla, ngaphandle kokuba unokufikelela kwiingcali zerhafu ze-H&R Block zoncedo lwerhafu olufunekayo.
Ilizwe: $ 36,99
Le nguqulo ikuvumela ukuba wenze kwaye ubange ukutsalwa kwerhafu okuninzi kunye namatyala.
Ilizwe: $ 36,99
Le nguqulo iphantse yafana ne-Deluxe, kodwa ikuvumela ukuba wenze ibango lepropati yerenti kunye nayo nayiphi na ingeniso yotyalo-mali.
Ilizwe: $ 36,99
Ilungele abazimele, iikontraka ezizimeleyo kunye nabanini bamashishini amancinci, le nguqulelo ikwakuvumela ukuba ungenise naziphi na iindleko zika-Uber.
I-TurboTax vs. H & R Block: Iinketho zasimahla
Ukuba konke ekufuneka uphendule ngako ngumvuzo wakho we-W-2, intlawulo yerhafu yengeniso oyifumeneyo okanye ikhredithi yerhafu yomntwana, zombini i-TurboTax kunye ne-H&R Block zikuhlawulele ngeenguqulelo zasimahla zesoftware yazo yerhafu.
Kodwa inkqubo yokufayilisha irhafu yasimahla ye-H&R Block iza ne-perk eyongezelelweyo: Inketho yokufaka iishedyuli 1 kunye ne-3 yefom ye-1040, eluncedo-kwaye ifunwa rhoqo-kubahlawuli berhafu ekufuneka baphendule ngokutsalwa okuqhelekileyo njengeentlawulo ze-mortgage, inzala yemali mboleko yabafundi, ingeniso yeshishini, i-alimony, iindleko zokunyamekela abaxhomekeke kunye nokunye.
I-TurboTax vs. H&R Block: Ubuhlobo bomsebenzisi
Umbuzo kunye nefomathi yempendulo yesoftware yeTurboTax ngokwenene ikwinotshi ephezulu. Yenza ukuba ukugcwalisa imbuyekezo yakho yerhafu uzive kunencoko ngakumbi kunokuhamba ngomgca ngomgca ngengeniso efunyenweyo kunye neendleko kunye nokutsalwa.
Oko kwathiwa, zombini i-TurboTax kunye ne-H & R Block zibonelela ngamava alula nathe ngqo omsebenzisi abeka nabahlawuli berhafu abaqalayo kwisihlalo somqhubi. (Ukufikelela kulwazi olufana nezifundo zevidiyo okanye amanqaku anamacebiso akhawulezayo kunye neengcaphephe zokuqonda ziyafumaneka kuzo zombini iisayithi.)
Ukongeza, zombini ezi nkonzo zikuvumela ukuba ubone ukutsalwa okwahlukeneyo okutsalwayo kwimbuyekezo yakho ngexesha lokwenyani usebenzisa iticker kanye phezulu kwesikrini.
I-TurboTax vs. H & R Block: Inkonzo yabaThengi
NgeTurboTax, bonke abasebenzisi banokufikelela kwi-chatbot okanye ifom yoqhagamshelwano kwimibuzo yetekhnoloji ekhula ngelixa usebenzisa iqonga. Kodwa ukuba ukhuphela iTurboTax Live, kulapho inkonzo icula khona. Cofa ingcali ye-TurboTax kuzo zonke iiyure zobusuku (nangona unokulindela amaxesha amade okulinda ngokukhawuleza nje ngo-Aprili we-15 i-looms) okanye wenze idinga kwangaphambili ukuze uhlolisise imbuyekezo yakho. Uncedo lunikezelwa nge-screenshare apho ufumana ukubona ubuso beCPA yakho (abanakukubona, isikrini sakho kuphela).
Kulo nyaka, unokuphinda ungene kwi-TurboTax Full Service, oku kuthetha ukuba ulayisha amaxwebhu akho erhafu kwi-portal ekhuselekileyo kunye nomntu ophilayo ngokwenene-owabelwe ngokusekelwe kwiimfuno zakho zerhafu-ubeka imbuyekezo yakho kunye nomrhumo. (Amaxabiso aqala kwi-130 yeedola kwimbuyekezo ye-federal kunye ne-45 yeedola zombuso.) Uya kuba nomnxeba wevidiyo ekuqaleni, emva koko kwakhona xa ukubuyisela kwakho kukulungele ukufakwa.
I-H&R Block inokhuphiswano oluhle apha. Iphakheji yabo entsha kraca yoNcedo lwe-Intanethi isebenza kakhulu njengeTurboTax Live, ikunika ufikelelo olufunekayo kunye neeseshini zokwabelana ngesikrini kunye ne-CPA yomrhumo owongeziweyo.
I-H&R Block ikwabonelela ngenkonzo yabo yoPhononongo lweRhafu yeRhafu (amaxabiso aqala kwi-40 yeedola), ebonelela ngophononongo lwe-one-on-one yembuyekezo yakho ukujonga iimpazamo ngaphambi kokuba ufake ifayile kunye nokutsalwa okuphosiweyo okanye iikhredithi. Ungade ucele irhafu efanayo okhe wayisebenzisa kwiminyaka edlulileyo-i-perk kuye nabani na onomdla wokwakha ubudlelwane apha. Kodwa nge-H&R Block, ukwanalo nokukhetha ukudibana buqu nengcali yerhafu kwenye yeendawo zabo ezininzi zezitena kunye nodaka. (FYI, ukuqeshwa komntu ngaphakathi kuqala kwi-$69.)
I-TurboTax vs. H&R Block: Izixhobo zeCoronavirus
Kuzo zombini i-TurboTax kunye ne-H&R Block, iingcali zerhafu zizazi kakuhle izinto ezinxulumene ne-COVID-19 ezinokuchaphazela okanye zingachaphazeli irhafu yakho ngo-2020. kwakhona.) Nokuba oku kuthetha ukuba, ukungaqeshwa kufuneka uphendule okanye indlela i-stimulus check izakuchaphazela ngayo imbuyekezo yakho, ungalindela ulwazi oluninzi oluvela kwiindawo zombini. (I-TurboTax inezinye izichazi Apha ; H&R Block Apha .)
Ngokuphathelele indawo ye-H & R Block yezitena kunye neendawo zodaka, zivulekele ukuqeshwa komntu-mntu ngeli xesha lerhafu, kodwa kuya kufuneka ukhangele ukuba iinkonzo azichatshazelwa kukuvalwa okanye ezinye izithintelo zoshishino ngokusekelwe kwiinombolo zamatyala kwindawo yakho. Izikhokelo ezingqongqo zokungena eluntwini ziyanyanzeliswa, kunye nokunxiba imaski kunye ezinye iiprothokholi zokhuseleko .
I-TurboTax vs. H&R Block: Yeyiphi Ekulungeleyo?
Zombini ezi nkonzo zikhuphisana kakhulu kulo nyaka, ngenxa yokongezwa kwe-H&R Block yoNcedo lwe-Intanethi (umnikelo ofanayo kakhulu kwi-TurboTax Live). Ngokuphathelele kutheni ukhetha inkonzo enye ngaphezulu kwenye, i-H&R Block ifanelekile kuye nabani na ofuna ukhetho lobuqu kunye nokhuphiswano olungakumbi lwamaxabiso. Bakwanikezela ngezixhobo ezibanzi ngakumbi kwinguqulelo yabo yasimahla.
Okwangoku, i-TurboTax yinto ebalaseleyo kubasebenzisi bayo. Ifomati yabo ye-Q&A zombini ayinamthungo ukuhamba kwaye ibanzi. (Kunzima ukukhuphisana naloo nto xa iirhafu zinzima kakhulu, ngakumbi kunyaka wobhubhane.)
Ekupheleni kosuku, yehla kukhetho lomntu ... okanye ixabiso lilonke.
ENXULUMENEYO: Izinto ezi-7 ezinokuthi zitshintshe kwiRhafu yakho ngo-2020
Ilizwe:
Ixesha lerhafu liphezu kwethu kwaye, ukusukela ngoku, umhla wokugqibela we-15 ka-Epreli awuzukwandiswa ngo-2021. Kodwa ngeli xesha zonke izithuba-nkqu nezo zikwi-ofisi yezitena kunye nodaka-ziya kuqhutywa malunga nalo nyaka, amaqonga afana I-TurboTax kwaye H&R Block zisengumgangatho wegolide xa kufikwa kwiimbuyekezo zerhafu ezisebenziseka lula kunye nezisebenzisekayo kwi-intanethi. Kodwa yeyiphi inkonzo ekulungeleyo? Siqhekeza ukufana kunye nomahluko phakathi kweesayithi zombini.
I-TurboTax vs. H&R Block
Ngoku ukuba i-H & R Block yongeze i-Online Assist, ukhetho lokuthetha ngokuthe ngqo kunye neengcali zerhafu kwimfuno (kunye nentlawulo eyongezelelweyo), banokuthi bakhuphisane neTurboTax xa kuziwa kwiinkonzo zabo zerhafu. Nangona kunjalo, kukho iiyantlukwano ezimbini ezibalulekileyo. I-TurboTax yaziwa ngefomathi yemibuzo kunye neempendulo, eyenza ukuzalisa imbuyekezo yerhafu uzive unzima kakhulu kunokuba iqhele ukuba njalo. Kwi-flip side, i-H&R Block ineendawo ezingaphezu kwe-11,000 zezitena kunye nodaka, okuthetha ukuncokola ne-IRL kunye nengcali lukhetho nangaliphi na ixesha endleleni.
I-TurboTax
I-TurboTax ikhona ukusukela ngeminyaka yoo-1980s kwaye iyathandwa ngenxa yokucoceka kwayo kunye nojongano olusekwe kumbuzo kunye nenyaniso yokuba ingqamanisa ngokungenamthungo kunye ne-Quickbooks, ephethwe yi-Intuit (inkampani yesoftware yezemali eyenzeka nokuba yeyomnini weTurboTax). Kukwakho inkitha yeenketho zokufakela okoqobo kunye nesikali esityibilikayo samaxabiso, kuxhomekeke kwiimfuno zakho zerhafu.
Iimpawu eziphambili zeTurboTax ziquka:
H&R Block
H&R Block yaqalwa ngo-1950s kwaye ibisenza iirhafu zaseMelika ukusukela ngoko, ngaphezulu kwe-11,000 yeendawo ezibonakalayo kwilizwe jikelele. Kodwa iinketho ezibonakalayo zininzi, kwaye, kwaye kuninzi njengeTurboTax, amanqanaba ahlukeneyo enkxaso anikezelwayo (kwakhona, kunye noluhlu olusilayidi lweendleko) ngokusekelwe kwindlela enzima ngayo imeko yakho yerhafu.
Iimpawu ezibalaseleyo zeH&R block ziquka:
TurboTax Overview
Ngeendlela ezininzi, iTurboTax ifana nje neentengiso-ujongano lwesitayile se-Q&A luziva luyincoko njengoko ugqibezela icandelo ngalinye lembuyekezo yakho. Ngaba uthenge ikhaya kulo nyaka? Unabantwana? Indlela ophendula ngayo inceda iTurboTax ivelise iifomu ezisebenza kakhulu kubomi bakho nakwimeko yakho yerhafu.
Ukuba ufaka imbuyekezo elula (ngokuqhelekileyo enye ebandakanya ingeniso ye-W-2, iikhredithi zerhafu zabantwana, njl.), Inguqulelo yasimahla yeTurboTax kufuneka yanele. Kodwa ukuba unomntwana ekholejini (o.k.t. ukutsalwa kwerhafu enxulumene nemfundo) okanye inzuzo eyinkunzi kunye nelahleko ukuze unike ingxelo okanye ingeniso yotyalo-mali, kuya kufuneka uphucule uye kwelinye lamahlelo abo alungiselelwe ukujongana neerhafu ezinzima. (Iinkcukacha ezongezelelekileyo malunga nesakhiwo samaxabiso seTurboTax singezantsi.)
Yintoni enhle ngeTurboTax ibandakanya ukhetho lokungenisa ulwazi lwerhafu yonyaka odlulileyo ukuba usebenzise iTurboTax okanye hayi. (Oku kunceda ukwenza lula kunye nokugcina ixesha lilonke.) Kukwakho ne-TurboTax CompleteCheck feature (encomekayo) ehlola iimpazamo zomzuzu wokugqibela ngaphambi kokuba ufake ifayile.
Ibhonasi: Ukuba uthatha isigqibo sokusebenzisa i-TurboTax's Live version, uya kufumana uncedo lwevidiyo olufunwayo oluvela kwi-CPA eya kwenza uphononongo lwembuyekezo yakho ukongeza ekujonganeni nayo nayiphi na imibuzo ephumayo endleleni. Kukwakho nenketho entsha kraca yokunikezela ngembuyekezo yakho yonke (phantse) kumcwangcisi-mali ongayi kulungiselela imbuyekezo yakho kuphela, kodwa akufake i-ping xa ilixesha lokusayina.
Ezinye izixhobo eziluncedo ziquka:
Ibali elide elifutshane: I-TurboTax yeyona nto ilungileyo kumava ayo asebenziseka lula kunye noluhlu lweenketho zenkxaso. Iinkonzo zayo zikwicala lamaxabiso xa kuthelekiswa nabakhuphisana nabo, kodwa umbuzo kunye nefomathi yempendulo ngokwenene igqame ngokwemigaqo yokwenza lula amava erhafu.
H&R Block Overview
Kanye njenge-TurboTax, i-H&R Block ibonelela ngoluhlu lweempawu ezisebenziseka lula zokufakela imbuyekezo yakho yerhafu kwi-intanethi, kubandakanywa ukhetho lokufumana uncedo oluphilayo (kunye nolufunwayo) oluvela kwingcali yerhafu nanini na xa ulufuna kuyo yonke inkqubo ngeendleko ezongezelelweyo.
I-interface kulula ukuyisebenzisa, nayo. I-H&R Block ikuhambisa ngokucacileyo kumvuzo wakho, imali exhuzulwayo kunye neekhredithi, kunye neemeko ezizodwa, ngaphambi kokuba ufake ifayile enamaqhosha angakumbi akhoyo okuchaza nayiphi na imibuzo entsonkothileyo.
Nge-H&R Block, ukhetho lwabo lwasimahla-olulungile kuye nabani na onomvuzo we-W-2 ukuba axele kunye nokufanelekela intlawulo yerhafu yomntwana okanye intlawulo yerhafu yengeniso okanye umvuzo ongaphangeliyo-iyakhanya ngokwenene. Ikwakuvumela ukuba ufake iishedyuli 1 kunye ne-3 yefomu ye-1040, ibhonasi kuba, kwiimeko ezininzi, uya kuzifuna ezi fomu ukuze utsale inzala ye-mortgage, i-alimony kunye neminikelo ethile yomhlalaphantsi. Oko kuthethiweyo, kuye nabani na ofuna ukutsalwa kwento (yithi, unengeniso yokuzisebenzela ukuze uxele), kuya kufuneka utyale imali kwenye yeenguqulelo zabo eziphuculweyo. (Iinkcukacha ezongezelelekileyo malunga nesakhiwo samaxabiso se-H&R Block singezantsi.)
Ubuchwephesha berhafu obukhoyo obunikezelwa yi-H&R Block bususela kwisiqulatho serhafu esiphendkayo (cinga iividiyo zokufundisa) ukuya kuncedo lwerhafu lomntu-on-one oluvela kwi-CPA yokwenyani. Inkqubo yabo entsha yoNcedo lwe-Intanethi yenza ukuba iinkonzo zabo zikhuphisane ne-TurboTax njengoko unokuhlawulela ngokungenamkhawulo, iingcebiso zerhafu ezifunwayo (ukwabelana ngesikrini kubandakanywa) kunye ne-CPA nangaliphi na ixesha ngexesha lenkqubo yakho yokufayilisha. (Hlala ukhumbula ukuba i-H&R Block pros ayizukuphonononga, isayine okanye i-e-file imbuyekezo yakho.)
Okokugqibela, njengeTurboTax, iH&R Block ikunika ithuba lokungenisa imbuyekezo yerhafu yonyaka ophelileyo kuye nawuphi na umnikezeli (kunokufuneka ulayishe iPDF, kodwa inkqubo ayinamthungo) kwaye ikuvumela ukuba ugcine iithebhu kwi-software yakho iyonke echithwe ngokusebenzisa iticker phezulu (iluncedo ukuba ngequbuliso ubethe ibhlokhi yendlela kwimbuyekezo yakho kwaye uthathe isigqibo sokucela uncedo kwenye yeenzuzo zabo zerhafu emva kwayo yonke loo nto).
Ezinye izixhobo eziluncedo ziquka:
Ibali elide elifutshane: H & R Block ilungele uluhlu lwayo iinketho-kuquka ukukwazi okunene ukuhlangabezana CPA ebomini bokwenene. Ikwanayo nesakhiwo samaxabiso esinokhuphiswano ngakumbi kuneTurboTax.
I-TurboTax vs. H&R Block: Iindleko
Ekupheleni kosuku, i-H & R Block ixabisa ngaphantsi kweTurboTax, kodwa iphakheji nganye inikezela ngeempawu ezahlukeneyo, ngoko ke ukhetho luza kuwe kunye neemfuno zakho zerhafu.
Ulwakhiwo lwamaxabiso eTurboTax luqhekeka ngolu hlobo:
Ilizwe: $0
Eyona nto ingcono kwiimbuyekezo zerhafu ezilula (oku kuthetha ukuba uceba ukufaka ibango nakuphi na ukutsalwa ngaphaya komgangatho, intlawulo yerhafu yengeniso efunyenweyo kunye nekhredithi yerhafu yomntwana), le nguqulo ikuvumela ukuba ufake ifayile ye-1040 kunye nembuyekezo yelizwe simahla.
Ilizwe: $0
Ekuphela kwento eyahlula oku kuguqulelo lwasimahla kukuba ibandakanya ukufikelela kwividiyo ekufunwayo kwipro yerhafu.
Ilizwe: $50 ($55 nge Live)
Ilungele nabani na okhetha ukwenza into yokubuyiswa kwerhafu, kunye nebango lokutsalwa kwerhafu ezininzi kunye neekhredithi zerhafu, nazo. Kwakhona, kuluncedo ukuba unengeniso yeshishini ngaphandle kweendleko.
Ilizwe: $50 ($55 nge Live)
Le nguqulo iyafana neDeluxe kodwa yongeza inketho yokuchaza utyalo-mali kunye nayo nayiphi na ingeniso yerenti.
Ilizwe: $50 ($55 nge Live)
Kuyafana nenguqulelo yeNkulumbuso, kodwa ibandakanya ingeniso yeshishini kunye neendleko, kunye nokutsalwa kwe-ofisi yekhaya. Ungayingqamanisa ne-Square, iLyft kunye ne-Uber ukungenisa iindleko.
Ulwakhiwo lwamaxabiso e-H&R Block luqhekeka ngolu hlobo:
Ilizwe: $0
Le nguqulo ikuvumela ukuba ugcwalise imbuyekezo yerhafu elula (ethetha ukuba uceba ukufaka ibango nakuphi na ukutsalwa ngaphaya komgangatho, ingeniso yekhredithi yerhafu yengeniso kunye nekhredithi yerhafu yomntwana), ukongeza kwiishedyuli 1 kunye ne-3 simahla.
Ilizwe: $0
Oku kuyafana nenguqulelo yasimahla, ngaphandle kokuba unokufikelela kwiingcali zerhafu ze-H&R Block zoncedo lwerhafu olufunekayo.
Ilizwe: $ 36,99
Le nguqulo ikuvumela ukuba wenze kwaye ubange ukutsalwa kwerhafu okuninzi kunye namatyala.
Ilizwe: $ 36,99
Le nguqulo iphantse yafana ne-Deluxe, kodwa ikuvumela ukuba wenze ibango lepropati yerenti kunye nayo nayiphi na ingeniso yotyalo-mali.
Ilizwe: $ 36,99
Ilungele abazimele, iikontraka ezizimeleyo kunye nabanini bamashishini amancinci, le nguqulelo ikwakuvumela ukuba ungenise naziphi na iindleko zika-Uber.
I-TurboTax vs. H & R Block: Iinketho zasimahla
Ukuba konke ekufuneka uphendule ngako ngumvuzo wakho we-W-2, intlawulo yerhafu yengeniso oyifumeneyo okanye ikhredithi yerhafu yomntwana, zombini i-TurboTax kunye ne-H&R Block zikuhlawulele ngeenguqulelo zasimahla zesoftware yazo yerhafu.
Kodwa inkqubo yokufayilisha irhafu yasimahla ye-H&R Block iza ne-perk eyongezelelweyo: Inketho yokufaka iishedyuli 1 kunye ne-3 yefom ye-1040, eluncedo-kwaye ifunwa rhoqo-kubahlawuli berhafu ekufuneka baphendule ngokutsalwa okuqhelekileyo njengeentlawulo ze-mortgage, inzala yemali mboleko yabafundi, ingeniso yeshishini, i-alimony, iindleko zokunyamekela abaxhomekeke kunye nokunye.
I-TurboTax vs. H&R Block: Ubuhlobo bomsebenzisi
Umbuzo kunye nefomathi yempendulo yesoftware yeTurboTax ngokwenene ikwinotshi ephezulu. Yenza ukuba ukugcwalisa imbuyekezo yakho yerhafu uzive kunencoko ngakumbi kunokuhamba ngomgca ngomgca ngengeniso efunyenweyo kunye neendleko kunye nokutsalwa.
Oko kwathiwa, zombini i-TurboTax kunye ne-H & R Block zibonelela ngamava alula nathe ngqo omsebenzisi abeka nabahlawuli berhafu abaqalayo kwisihlalo somqhubi. (Ukufikelela kulwazi olufana nezifundo zevidiyo okanye amanqaku anamacebiso akhawulezayo kunye neengcaphephe zokuqonda ziyafumaneka kuzo zombini iisayithi.)
Ukongeza, zombini ezi nkonzo zikuvumela ukuba ubone ukutsalwa okwahlukeneyo okutsalwayo kwimbuyekezo yakho ngexesha lokwenyani usebenzisa iticker kanye phezulu kwesikrini.
I-TurboTax vs. H & R Block: Inkonzo yabaThengi
NgeTurboTax, bonke abasebenzisi banokufikelela kwi-chatbot okanye ifom yoqhagamshelwano kwimibuzo yetekhnoloji ekhula ngelixa usebenzisa iqonga. Kodwa ukuba ukhuphela iTurboTax Live, kulapho inkonzo icula khona. Cofa ingcali ye-TurboTax kuzo zonke iiyure zobusuku (nangona unokulindela amaxesha amade okulinda ngokukhawuleza nje ngo-Aprili we-15 i-looms) okanye wenze idinga kwangaphambili ukuze uhlolisise imbuyekezo yakho. Uncedo lunikezelwa nge-screenshare apho ufumana ukubona ubuso beCPA yakho (abanakukubona, isikrini sakho kuphela).
Kulo nyaka, unokuphinda ungene kwi-TurboTax Full Service, oku kuthetha ukuba ulayisha amaxwebhu akho erhafu kwi-portal ekhuselekileyo kunye nomntu ophilayo ngokwenene-owabelwe ngokusekelwe kwiimfuno zakho zerhafu-ubeka imbuyekezo yakho kunye nomrhumo. (Amaxabiso aqala kwi-130 yeedola kwimbuyekezo ye-federal kunye ne-45 yeedola zombuso.) Uya kuba nomnxeba wevidiyo ekuqaleni, emva koko kwakhona xa ukubuyisela kwakho kukulungele ukufakwa.
I-H&R Block inokhuphiswano oluhle apha. Iphakheji yabo entsha kraca yoNcedo lwe-Intanethi isebenza kakhulu njengeTurboTax Live, ikunika ufikelelo olufunekayo kunye neeseshini zokwabelana ngesikrini kunye ne-CPA yomrhumo owongeziweyo.
I-H&R Block ikwabonelela ngenkonzo yabo yoPhononongo lweRhafu yeRhafu (amaxabiso aqala kwi-40 yeedola), ebonelela ngophononongo lwe-one-on-one yembuyekezo yakho ukujonga iimpazamo ngaphambi kokuba ufake ifayile kunye nokutsalwa okuphosiweyo okanye iikhredithi. Ungade ucele irhafu efanayo okhe wayisebenzisa kwiminyaka edlulileyo-i-perk kuye nabani na onomdla wokwakha ubudlelwane apha. Kodwa nge-H&R Block, ukwanalo nokukhetha ukudibana buqu nengcali yerhafu kwenye yeendawo zabo ezininzi zezitena kunye nodaka. (FYI, ukuqeshwa komntu ngaphakathi kuqala kwi-$69.)
I-TurboTax vs. H&R Block: Izixhobo zeCoronavirus
Kuzo zombini i-TurboTax kunye ne-H&R Block, iingcali zerhafu zizazi kakuhle izinto ezinxulumene ne-COVID-19 ezinokuchaphazela okanye zingachaphazeli irhafu yakho ngo-2020. kwakhona.) Nokuba oku kuthetha ukuba, ukungaqeshwa kufuneka uphendule okanye indlela i-stimulus check izakuchaphazela ngayo imbuyekezo yakho, ungalindela ulwazi oluninzi oluvela kwiindawo zombini. (I-TurboTax inezinye izichazi Apha ; H&R Block Apha .)
Ngokuphathelele indawo ye-H & R Block yezitena kunye neendawo zodaka, zivulekele ukuqeshwa komntu-mntu ngeli xesha lerhafu, kodwa kuya kufuneka ukhangele ukuba iinkonzo azichatshazelwa kukuvalwa okanye ezinye izithintelo zoshishino ngokusekelwe kwiinombolo zamatyala kwindawo yakho. Izikhokelo ezingqongqo zokungena eluntwini ziyanyanzeliswa, kunye nokunxiba imaski kunye ezinye iiprothokholi zokhuseleko .
I-TurboTax vs. H&R Block: Yeyiphi Ekulungeleyo?
Zombini ezi nkonzo zikhuphisana kakhulu kulo nyaka, ngenxa yokongezwa kwe-H&R Block yoNcedo lwe-Intanethi (umnikelo ofanayo kakhulu kwi-TurboTax Live). Ngokuphathelele kutheni ukhetha inkonzo enye ngaphezulu kwenye, i-H&R Block ifanelekile kuye nabani na ofuna ukhetho lobuqu kunye nokhuphiswano olungakumbi lwamaxabiso. Bakwanikezela ngezixhobo ezibanzi ngakumbi kwinguqulelo yabo yasimahla.
Okwangoku, i-TurboTax yinto ebalaseleyo kubasebenzisi bayo. Ifomati yabo ye-Q&A zombini ayinamthungo ukuhamba kwaye ibanzi. (Kunzima ukukhuphisana naloo nto xa iirhafu zinzima kakhulu, ngakumbi kunyaka wobhubhane.)
Ekupheleni kosuku, yehla kukhetho lomntu ... okanye ixabiso lilonke.
ENXULUMENEYO: Izinto ezi-7 ezinokuthi zitshintshe kwiRhafu yakho ngo-2020
Le nguqulo ikuvumela ukuba ugcwalise imbuyekezo yerhafu elula (ethetha ukuba uceba ukufaka ibango nakuphi na ukutsalwa ngaphaya komgangatho, ingeniso yekhredithi yerhafu yengeniso kunye nekhredithi yerhafu yomntwana), ukongeza kwiishedyuli 1 kunye ne-3 simahla.
Ilizwe:
Ixesha lerhafu liphezu kwethu kwaye, ukusukela ngoku, umhla wokugqibela we-15 ka-Epreli awuzukwandiswa ngo-2021. Kodwa ngeli xesha zonke izithuba-nkqu nezo zikwi-ofisi yezitena kunye nodaka-ziya kuqhutywa malunga nalo nyaka, amaqonga afana I-TurboTax kwaye H&R Block zisengumgangatho wegolide xa kufikwa kwiimbuyekezo zerhafu ezisebenziseka lula kunye nezisebenzisekayo kwi-intanethi. Kodwa yeyiphi inkonzo ekulungeleyo? Siqhekeza ukufana kunye nomahluko phakathi kweesayithi zombini.
I-TurboTax vs. H&R Block
Ngoku ukuba i-H & R Block yongeze i-Online Assist, ukhetho lokuthetha ngokuthe ngqo kunye neengcali zerhafu kwimfuno (kunye nentlawulo eyongezelelweyo), banokuthi bakhuphisane neTurboTax xa kuziwa kwiinkonzo zabo zerhafu. Nangona kunjalo, kukho iiyantlukwano ezimbini ezibalulekileyo. I-TurboTax yaziwa ngefomathi yemibuzo kunye neempendulo, eyenza ukuzalisa imbuyekezo yerhafu uzive unzima kakhulu kunokuba iqhele ukuba njalo. Kwi-flip side, i-H&R Block ineendawo ezingaphezu kwe-11,000 zezitena kunye nodaka, okuthetha ukuncokola ne-IRL kunye nengcali lukhetho nangaliphi na ixesha endleleni.
I-TurboTax
I-TurboTax ikhona ukusukela ngeminyaka yoo-1980s kwaye iyathandwa ngenxa yokucoceka kwayo kunye nojongano olusekwe kumbuzo kunye nenyaniso yokuba ingqamanisa ngokungenamthungo kunye ne-Quickbooks, ephethwe yi-Intuit (inkampani yesoftware yezemali eyenzeka nokuba yeyomnini weTurboTax). Kukwakho inkitha yeenketho zokufakela okoqobo kunye nesikali esityibilikayo samaxabiso, kuxhomekeke kwiimfuno zakho zerhafu.
Iimpawu eziphambili zeTurboTax ziquka:
H&R Block
H&R Block yaqalwa ngo-1950s kwaye ibisenza iirhafu zaseMelika ukusukela ngoko, ngaphezulu kwe-11,000 yeendawo ezibonakalayo kwilizwe jikelele. Kodwa iinketho ezibonakalayo zininzi, kwaye, kwaye kuninzi njengeTurboTax, amanqanaba ahlukeneyo enkxaso anikezelwayo (kwakhona, kunye noluhlu olusilayidi lweendleko) ngokusekelwe kwindlela enzima ngayo imeko yakho yerhafu.
Iimpawu ezibalaseleyo zeH&R block ziquka:
TurboTax Overview
Ngeendlela ezininzi, iTurboTax ifana nje neentengiso-ujongano lwesitayile se-Q&A luziva luyincoko njengoko ugqibezela icandelo ngalinye lembuyekezo yakho. Ngaba uthenge ikhaya kulo nyaka? Unabantwana? Indlela ophendula ngayo inceda iTurboTax ivelise iifomu ezisebenza kakhulu kubomi bakho nakwimeko yakho yerhafu.
Ukuba ufaka imbuyekezo elula (ngokuqhelekileyo enye ebandakanya ingeniso ye-W-2, iikhredithi zerhafu zabantwana, njl.), Inguqulelo yasimahla yeTurboTax kufuneka yanele. Kodwa ukuba unomntwana ekholejini (o.k.t. ukutsalwa kwerhafu enxulumene nemfundo) okanye inzuzo eyinkunzi kunye nelahleko ukuze unike ingxelo okanye ingeniso yotyalo-mali, kuya kufuneka uphucule uye kwelinye lamahlelo abo alungiselelwe ukujongana neerhafu ezinzima. (Iinkcukacha ezongezelelekileyo malunga nesakhiwo samaxabiso seTurboTax singezantsi.)
Yintoni enhle ngeTurboTax ibandakanya ukhetho lokungenisa ulwazi lwerhafu yonyaka odlulileyo ukuba usebenzise iTurboTax okanye hayi. (Oku kunceda ukwenza lula kunye nokugcina ixesha lilonke.) Kukwakho ne-TurboTax CompleteCheck feature (encomekayo) ehlola iimpazamo zomzuzu wokugqibela ngaphambi kokuba ufake ifayile.
Ibhonasi: Ukuba uthatha isigqibo sokusebenzisa i-TurboTax's Live version, uya kufumana uncedo lwevidiyo olufunwayo oluvela kwi-CPA eya kwenza uphononongo lwembuyekezo yakho ukongeza ekujonganeni nayo nayiphi na imibuzo ephumayo endleleni. Kukwakho nenketho entsha kraca yokunikezela ngembuyekezo yakho yonke (phantse) kumcwangcisi-mali ongayi kulungiselela imbuyekezo yakho kuphela, kodwa akufake i-ping xa ilixesha lokusayina.
Ezinye izixhobo eziluncedo ziquka:
Ibali elide elifutshane: I-TurboTax yeyona nto ilungileyo kumava ayo asebenziseka lula kunye noluhlu lweenketho zenkxaso. Iinkonzo zayo zikwicala lamaxabiso xa kuthelekiswa nabakhuphisana nabo, kodwa umbuzo kunye nefomathi yempendulo ngokwenene igqame ngokwemigaqo yokwenza lula amava erhafu.
H&R Block Overview
Kanye njenge-TurboTax, i-H&R Block ibonelela ngoluhlu lweempawu ezisebenziseka lula zokufakela imbuyekezo yakho yerhafu kwi-intanethi, kubandakanywa ukhetho lokufumana uncedo oluphilayo (kunye nolufunwayo) oluvela kwingcali yerhafu nanini na xa ulufuna kuyo yonke inkqubo ngeendleko ezongezelelweyo.
I-interface kulula ukuyisebenzisa, nayo. I-H&R Block ikuhambisa ngokucacileyo kumvuzo wakho, imali exhuzulwayo kunye neekhredithi, kunye neemeko ezizodwa, ngaphambi kokuba ufake ifayile enamaqhosha angakumbi akhoyo okuchaza nayiphi na imibuzo entsonkothileyo.
Nge-H&R Block, ukhetho lwabo lwasimahla-olulungile kuye nabani na onomvuzo we-W-2 ukuba axele kunye nokufanelekela intlawulo yerhafu yomntwana okanye intlawulo yerhafu yengeniso okanye umvuzo ongaphangeliyo-iyakhanya ngokwenene. Ikwakuvumela ukuba ufake iishedyuli 1 kunye ne-3 yefomu ye-1040, ibhonasi kuba, kwiimeko ezininzi, uya kuzifuna ezi fomu ukuze utsale inzala ye-mortgage, i-alimony kunye neminikelo ethile yomhlalaphantsi. Oko kuthethiweyo, kuye nabani na ofuna ukutsalwa kwento (yithi, unengeniso yokuzisebenzela ukuze uxele), kuya kufuneka utyale imali kwenye yeenguqulelo zabo eziphuculweyo. (Iinkcukacha ezongezelelekileyo malunga nesakhiwo samaxabiso se-H&R Block singezantsi.)
Ubuchwephesha berhafu obukhoyo obunikezelwa yi-H&R Block bususela kwisiqulatho serhafu esiphendkayo (cinga iividiyo zokufundisa) ukuya kuncedo lwerhafu lomntu-on-one oluvela kwi-CPA yokwenyani. Inkqubo yabo entsha yoNcedo lwe-Intanethi yenza ukuba iinkonzo zabo zikhuphisane ne-TurboTax njengoko unokuhlawulela ngokungenamkhawulo, iingcebiso zerhafu ezifunwayo (ukwabelana ngesikrini kubandakanywa) kunye ne-CPA nangaliphi na ixesha ngexesha lenkqubo yakho yokufayilisha. (Hlala ukhumbula ukuba i-H&R Block pros ayizukuphonononga, isayine okanye i-e-file imbuyekezo yakho.)
Okokugqibela, njengeTurboTax, iH&R Block ikunika ithuba lokungenisa imbuyekezo yerhafu yonyaka ophelileyo kuye nawuphi na umnikezeli (kunokufuneka ulayishe iPDF, kodwa inkqubo ayinamthungo) kwaye ikuvumela ukuba ugcine iithebhu kwi-software yakho iyonke echithwe ngokusebenzisa iticker phezulu (iluncedo ukuba ngequbuliso ubethe ibhlokhi yendlela kwimbuyekezo yakho kwaye uthathe isigqibo sokucela uncedo kwenye yeenzuzo zabo zerhafu emva kwayo yonke loo nto).
Ezinye izixhobo eziluncedo ziquka:
Ibali elide elifutshane: H & R Block ilungele uluhlu lwayo iinketho-kuquka ukukwazi okunene ukuhlangabezana CPA ebomini bokwenene. Ikwanayo nesakhiwo samaxabiso esinokhuphiswano ngakumbi kuneTurboTax.
I-TurboTax vs. H&R Block: Iindleko
Ekupheleni kosuku, i-H & R Block ixabisa ngaphantsi kweTurboTax, kodwa iphakheji nganye inikezela ngeempawu ezahlukeneyo, ngoko ke ukhetho luza kuwe kunye neemfuno zakho zerhafu.
Ulwakhiwo lwamaxabiso eTurboTax luqhekeka ngolu hlobo:
Ilizwe: $0
Eyona nto ingcono kwiimbuyekezo zerhafu ezilula (oku kuthetha ukuba uceba ukufaka ibango nakuphi na ukutsalwa ngaphaya komgangatho, intlawulo yerhafu yengeniso efunyenweyo kunye nekhredithi yerhafu yomntwana), le nguqulo ikuvumela ukuba ufake ifayile ye-1040 kunye nembuyekezo yelizwe simahla.
Ilizwe: $0
Ekuphela kwento eyahlula oku kuguqulelo lwasimahla kukuba ibandakanya ukufikelela kwividiyo ekufunwayo kwipro yerhafu.
Ilizwe: $50 ($55 nge Live)
Ilungele nabani na okhetha ukwenza into yokubuyiswa kwerhafu, kunye nebango lokutsalwa kwerhafu ezininzi kunye neekhredithi zerhafu, nazo. Kwakhona, kuluncedo ukuba unengeniso yeshishini ngaphandle kweendleko.
Ilizwe: $50 ($55 nge Live)
Le nguqulo iyafana neDeluxe kodwa yongeza inketho yokuchaza utyalo-mali kunye nayo nayiphi na ingeniso yerenti.
Ilizwe: $50 ($55 nge Live)
Kuyafana nenguqulelo yeNkulumbuso, kodwa ibandakanya ingeniso yeshishini kunye neendleko, kunye nokutsalwa kwe-ofisi yekhaya. Ungayingqamanisa ne-Square, iLyft kunye ne-Uber ukungenisa iindleko.
Ulwakhiwo lwamaxabiso e-H&R Block luqhekeka ngolu hlobo:
Ilizwe: $0
Le nguqulo ikuvumela ukuba ugcwalise imbuyekezo yerhafu elula (ethetha ukuba uceba ukufaka ibango nakuphi na ukutsalwa ngaphaya komgangatho, ingeniso yekhredithi yerhafu yengeniso kunye nekhredithi yerhafu yomntwana), ukongeza kwiishedyuli 1 kunye ne-3 simahla.
Ilizwe: $0
Oku kuyafana nenguqulelo yasimahla, ngaphandle kokuba unokufikelela kwiingcali zerhafu ze-H&R Block zoncedo lwerhafu olufunekayo.
Ilizwe: $ 36,99
Le nguqulo ikuvumela ukuba wenze kwaye ubange ukutsalwa kwerhafu okuninzi kunye namatyala.
Ilizwe: $ 36,99
Le nguqulo iphantse yafana ne-Deluxe, kodwa ikuvumela ukuba wenze ibango lepropati yerenti kunye nayo nayiphi na ingeniso yotyalo-mali.
Ilizwe: $ 36,99
Ilungele abazimele, iikontraka ezizimeleyo kunye nabanini bamashishini amancinci, le nguqulelo ikwakuvumela ukuba ungenise naziphi na iindleko zika-Uber.
I-TurboTax vs. H & R Block: Iinketho zasimahla
Ukuba konke ekufuneka uphendule ngako ngumvuzo wakho we-W-2, intlawulo yerhafu yengeniso oyifumeneyo okanye ikhredithi yerhafu yomntwana, zombini i-TurboTax kunye ne-H&R Block zikuhlawulele ngeenguqulelo zasimahla zesoftware yazo yerhafu.
Kodwa inkqubo yokufayilisha irhafu yasimahla ye-H&R Block iza ne-perk eyongezelelweyo: Inketho yokufaka iishedyuli 1 kunye ne-3 yefom ye-1040, eluncedo-kwaye ifunwa rhoqo-kubahlawuli berhafu ekufuneka baphendule ngokutsalwa okuqhelekileyo njengeentlawulo ze-mortgage, inzala yemali mboleko yabafundi, ingeniso yeshishini, i-alimony, iindleko zokunyamekela abaxhomekeke kunye nokunye.
I-TurboTax vs. H&R Block: Ubuhlobo bomsebenzisi
Umbuzo kunye nefomathi yempendulo yesoftware yeTurboTax ngokwenene ikwinotshi ephezulu. Yenza ukuba ukugcwalisa imbuyekezo yakho yerhafu uzive kunencoko ngakumbi kunokuhamba ngomgca ngomgca ngengeniso efunyenweyo kunye neendleko kunye nokutsalwa.
Oko kwathiwa, zombini i-TurboTax kunye ne-H & R Block zibonelela ngamava alula nathe ngqo omsebenzisi abeka nabahlawuli berhafu abaqalayo kwisihlalo somqhubi. (Ukufikelela kulwazi olufana nezifundo zevidiyo okanye amanqaku anamacebiso akhawulezayo kunye neengcaphephe zokuqonda ziyafumaneka kuzo zombini iisayithi.)
Ukongeza, zombini ezi nkonzo zikuvumela ukuba ubone ukutsalwa okwahlukeneyo okutsalwayo kwimbuyekezo yakho ngexesha lokwenyani usebenzisa iticker kanye phezulu kwesikrini.
I-TurboTax vs. H & R Block: Inkonzo yabaThengi
NgeTurboTax, bonke abasebenzisi banokufikelela kwi-chatbot okanye ifom yoqhagamshelwano kwimibuzo yetekhnoloji ekhula ngelixa usebenzisa iqonga. Kodwa ukuba ukhuphela iTurboTax Live, kulapho inkonzo icula khona. Cofa ingcali ye-TurboTax kuzo zonke iiyure zobusuku (nangona unokulindela amaxesha amade okulinda ngokukhawuleza nje ngo-Aprili we-15 i-looms) okanye wenze idinga kwangaphambili ukuze uhlolisise imbuyekezo yakho. Uncedo lunikezelwa nge-screenshare apho ufumana ukubona ubuso beCPA yakho (abanakukubona, isikrini sakho kuphela).
Kulo nyaka, unokuphinda ungene kwi-TurboTax Full Service, oku kuthetha ukuba ulayisha amaxwebhu akho erhafu kwi-portal ekhuselekileyo kunye nomntu ophilayo ngokwenene-owabelwe ngokusekelwe kwiimfuno zakho zerhafu-ubeka imbuyekezo yakho kunye nomrhumo. (Amaxabiso aqala kwi-130 yeedola kwimbuyekezo ye-federal kunye ne-45 yeedola zombuso.) Uya kuba nomnxeba wevidiyo ekuqaleni, emva koko kwakhona xa ukubuyisela kwakho kukulungele ukufakwa.
I-H&R Block inokhuphiswano oluhle apha. Iphakheji yabo entsha kraca yoNcedo lwe-Intanethi isebenza kakhulu njengeTurboTax Live, ikunika ufikelelo olufunekayo kunye neeseshini zokwabelana ngesikrini kunye ne-CPA yomrhumo owongeziweyo.
I-H&R Block ikwabonelela ngenkonzo yabo yoPhononongo lweRhafu yeRhafu (amaxabiso aqala kwi-40 yeedola), ebonelela ngophononongo lwe-one-on-one yembuyekezo yakho ukujonga iimpazamo ngaphambi kokuba ufake ifayile kunye nokutsalwa okuphosiweyo okanye iikhredithi. Ungade ucele irhafu efanayo okhe wayisebenzisa kwiminyaka edlulileyo-i-perk kuye nabani na onomdla wokwakha ubudlelwane apha. Kodwa nge-H&R Block, ukwanalo nokukhetha ukudibana buqu nengcali yerhafu kwenye yeendawo zabo ezininzi zezitena kunye nodaka. (FYI, ukuqeshwa komntu ngaphakathi kuqala kwi-$69.)
I-TurboTax vs. H&R Block: Izixhobo zeCoronavirus
Kuzo zombini i-TurboTax kunye ne-H&R Block, iingcali zerhafu zizazi kakuhle izinto ezinxulumene ne-COVID-19 ezinokuchaphazela okanye zingachaphazeli irhafu yakho ngo-2020. kwakhona.) Nokuba oku kuthetha ukuba, ukungaqeshwa kufuneka uphendule okanye indlela i-stimulus check izakuchaphazela ngayo imbuyekezo yakho, ungalindela ulwazi oluninzi oluvela kwiindawo zombini. (I-TurboTax inezinye izichazi Apha ; H&R Block Apha .)
Ngokuphathelele indawo ye-H & R Block yezitena kunye neendawo zodaka, zivulekele ukuqeshwa komntu-mntu ngeli xesha lerhafu, kodwa kuya kufuneka ukhangele ukuba iinkonzo azichatshazelwa kukuvalwa okanye ezinye izithintelo zoshishino ngokusekelwe kwiinombolo zamatyala kwindawo yakho. Izikhokelo ezingqongqo zokungena eluntwini ziyanyanzeliswa, kunye nokunxiba imaski kunye ezinye iiprothokholi zokhuseleko .
I-TurboTax vs. H&R Block: Yeyiphi Ekulungeleyo?
Zombini ezi nkonzo zikhuphisana kakhulu kulo nyaka, ngenxa yokongezwa kwe-H&R Block yoNcedo lwe-Intanethi (umnikelo ofanayo kakhulu kwi-TurboTax Live). Ngokuphathelele kutheni ukhetha inkonzo enye ngaphezulu kwenye, i-H&R Block ifanelekile kuye nabani na ofuna ukhetho lobuqu kunye nokhuphiswano olungakumbi lwamaxabiso. Bakwanikezela ngezixhobo ezibanzi ngakumbi kwinguqulelo yabo yasimahla.
Okwangoku, i-TurboTax yinto ebalaseleyo kubasebenzisi bayo. Ifomati yabo ye-Q&A zombini ayinamthungo ukuhamba kwaye ibanzi. (Kunzima ukukhuphisana naloo nto xa iirhafu zinzima kakhulu, ngakumbi kunyaka wobhubhane.)
Ekupheleni kosuku, yehla kukhetho lomntu ... okanye ixabiso lilonke.
ENXULUMENEYO: Izinto ezi-7 ezinokuthi zitshintshe kwiRhafu yakho ngo-2020
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Ilungele abazimele, iikontraka ezizimeleyo kunye nabanini bamashishini amancinci, le nguqulelo ikwakuvumela ukuba ungenise naziphi na iindleko zika-Uber.
I-TurboTax vs. H & R Block: Iinketho zasimahla
Ukuba konke ekufuneka uphendule ngako ngumvuzo wakho we-W-2, intlawulo yerhafu yengeniso oyifumeneyo okanye ikhredithi yerhafu yomntwana, zombini i-TurboTax kunye ne-H&R Block zikuhlawulele ngeenguqulelo zasimahla zesoftware yazo yerhafu.
Kodwa inkqubo yokufayilisha irhafu yasimahla ye-H&R Block iza ne-perk eyongezelelweyo: Inketho yokufaka iishedyuli 1 kunye ne-3 yefom ye-1040, eluncedo-kwaye ifunwa rhoqo-kubahlawuli berhafu ekufuneka baphendule ngokutsalwa okuqhelekileyo njengeentlawulo ze-mortgage, inzala yemali mboleko yabafundi, ingeniso yeshishini, i-alimony, iindleko zokunyamekela abaxhomekeke kunye nokunye.
I-TurboTax vs. H&R Block: Ubuhlobo bomsebenzisi
Umbuzo kunye nefomathi yempendulo yesoftware yeTurboTax ngokwenene ikwinotshi ephezulu. Yenza ukuba ukugcwalisa imbuyekezo yakho yerhafu uzive kunencoko ngakumbi kunokuhamba ngomgca ngomgca ngengeniso efunyenweyo kunye neendleko kunye nokutsalwa.
Oko kwathiwa, zombini i-TurboTax kunye ne-H & R Block zibonelela ngamava alula nathe ngqo omsebenzisi abeka nabahlawuli berhafu abaqalayo kwisihlalo somqhubi. (Ukufikelela kulwazi olufana nezifundo zevidiyo okanye amanqaku anamacebiso akhawulezayo kunye neengcaphephe zokuqonda ziyafumaneka kuzo zombini iisayithi.)
Ukongeza, zombini ezi nkonzo zikuvumela ukuba ubone ukutsalwa okwahlukeneyo okutsalwayo kwimbuyekezo yakho ngexesha lokwenyani usebenzisa iticker kanye phezulu kwesikrini.
I-TurboTax vs. H & R Block: Inkonzo yabaThengi
NgeTurboTax, bonke abasebenzisi banokufikelela kwi-chatbot okanye ifom yoqhagamshelwano kwimibuzo yetekhnoloji ekhula ngelixa usebenzisa iqonga. Kodwa ukuba ukhuphela iTurboTax Live, kulapho inkonzo icula khona. Cofa ingcali ye-TurboTax kuzo zonke iiyure zobusuku (nangona unokulindela amaxesha amade okulinda ngokukhawuleza nje ngo-Aprili we-15 i-looms) okanye wenze idinga kwangaphambili ukuze uhlolisise imbuyekezo yakho. Uncedo lunikezelwa nge-screenshare apho ufumana ukubona ubuso beCPA yakho (abanakukubona, isikrini sakho kuphela).
Kulo nyaka, unokuphinda ungene kwi-TurboTax Full Service, oku kuthetha ukuba ulayisha amaxwebhu akho erhafu kwi-portal ekhuselekileyo kunye nomntu ophilayo ngokwenene-owabelwe ngokusekelwe kwiimfuno zakho zerhafu-ubeka imbuyekezo yakho kunye nomrhumo. (Amaxabiso aqala kwi-130 yeedola kwimbuyekezo ye-federal kunye ne-45 yeedola zombuso.) Uya kuba nomnxeba wevidiyo ekuqaleni, emva koko kwakhona xa ukubuyisela kwakho kukulungele ukufakwa.
I-H&R Block inokhuphiswano oluhle apha. Iphakheji yabo entsha kraca yoNcedo lwe-Intanethi isebenza kakhulu njengeTurboTax Live, ikunika ufikelelo olufunekayo kunye neeseshini zokwabelana ngesikrini kunye ne-CPA yomrhumo owongeziweyo.
I-H&R Block ikwabonelela ngenkonzo yabo yoPhononongo lweRhafu yeRhafu (amaxabiso aqala kwi-40 yeedola), ebonelela ngophononongo lwe-one-on-one yembuyekezo yakho ukujonga iimpazamo ngaphambi kokuba ufake ifayile kunye nokutsalwa okuphosiweyo okanye iikhredithi. Ungade ucele irhafu efanayo okhe wayisebenzisa kwiminyaka edlulileyo-i-perk kuye nabani na onomdla wokwakha ubudlelwane apha. Kodwa nge-H&R Block, ukwanalo nokukhetha ukudibana buqu nengcali yerhafu kwenye yeendawo zabo ezininzi zezitena kunye nodaka. (FYI, ukuqeshwa komntu ngaphakathi kuqala kwi-.)
I-TurboTax vs. H&R Block: Izixhobo zeCoronavirus
Kuzo zombini i-TurboTax kunye ne-H&R Block, iingcali zerhafu zizazi kakuhle izinto ezinxulumene ne-COVID-19 ezinokuchaphazela okanye zingachaphazeli irhafu yakho ngo-2020. kwakhona.) Nokuba oku kuthetha ukuba, ukungaqeshwa kufuneka uphendule okanye indlela i-stimulus check izakuchaphazela ngayo imbuyekezo yakho, ungalindela ulwazi oluninzi oluvela kwiindawo zombini. (I-TurboTax inezinye izichazi Apha ; H&R Block Apha .)
Ngokuphathelele indawo ye-H & R Block yezitena kunye neendawo zodaka, zivulekele ukuqeshwa komntu-mntu ngeli xesha lerhafu, kodwa kuya kufuneka ukhangele ukuba iinkonzo azichatshazelwa kukuvalwa okanye ezinye izithintelo zoshishino ngokusekelwe kwiinombolo zamatyala kwindawo yakho. Izikhokelo ezingqongqo zokungena eluntwini ziyanyanzeliswa, kunye nokunxiba imaski kunye ezinye iiprothokholi zokhuseleko .
I-TurboTax vs. H&R Block: Yeyiphi Ekulungeleyo?
Zombini ezi nkonzo zikhuphisana kakhulu kulo nyaka, ngenxa yokongezwa kwe-H&R Block yoNcedo lwe-Intanethi (umnikelo ofanayo kakhulu kwi-TurboTax Live). Ngokuphathelele kutheni ukhetha inkonzo enye ngaphezulu kwenye, i-H&R Block ifanelekile kuye nabani na ofuna ukhetho lobuqu kunye nokhuphiswano olungakumbi lwamaxabiso. Bakwanikezela ngezixhobo ezibanzi ngakumbi kwinguqulelo yabo yasimahla.
Okwangoku, i-TurboTax yinto ebalaseleyo kubasebenzisi bayo. Ifomati yabo ye-Q&A zombini ayinamthungo ukuhamba kwaye ibanzi. (Kunzima ukukhuphisana naloo nto xa iirhafu zinzima kakhulu, ngakumbi kunyaka wobhubhane.)
Ekupheleni kosuku, yehla kukhetho lomntu ... okanye ixabiso lilonke.
ENXULUMENEYO: Izinto ezi-7 ezinokuthi zitshintshe kwiRhafu yakho ngo-2020