Finance and Law

What Is a Tax Credit and Which Might You Be Eligible For?

<p style&equals;"text-align&colon; justify&semi;">About <a href&equals;"https&colon;&sol;&sol;www&period;cnbc&period;com&sol;2019&sol;03&sol;19&sol;90-percent-of-americans-couldnt-answer-this-straightforward-tax-question&period;html" target&equals;"&lowbar;blank" rel&equals;"noopener">90&percnt; of Americans<&sol;a> don’t understand basic tax information&period; That includes their tax bracket and income tax rate&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">One of the most confusing things about the tax code is the difference between a tax credit and a tax deduction&period; They’re not the same thing&period; How you leverage each could make a huge difference on your tax returns&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">What is a tax credit&quest; What tax credits exist that you’re eligible for&quest; Read on to learn the basics of tax credits and how to claim them on your tax return&period;<&sol;p>&NewLine;<h2 style&equals;"text-align&colon; justify&semi;">What Is a Tax Credit&quest;<&sol;h2>&NewLine;<hr &sol;>&NewLine;<p style&equals;"text-align&colon; justify&semi;">A <a href&equals;"https&colon;&sol;&sol;newsforpublic&period;com&sol;canadian-tax-credits&sol;">tax credit<&sol;a> is a dollar-for-dollar credit towards the amount of tax you owe&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">How does that compare to a deduction&quest; A deduction is subtracted from your income&period; It does lower your tax liability&comma; but it doesn’t have the power that a tax credit does&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">Let’s say that you earn &dollar;75&comma;000 a year and unmarried&period; Your income tax bracket is 22&percnt;&period; You would owe &dollar;16&comma;500 in taxes before deductions&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">If you take deductions worth &dollar;10&comma;000 your taxable income is &dollar;65&comma;000&period; You’d still be in the same tax bracket&comma; taxed at 22&percnt;&period; Since your taxable income is lower&comma; your tax bill drops to &dollar;14&comma;300&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">A tax credit works differently&period; Using the same example&comma; a &dollar;10&comma;000 tax credit is applied to the amount of tax you owe&period; Instead of owing &dollar;16&comma;500&comma; you’d only owe &dollar;6&comma;500&period;<&sol;p>&NewLine;<h2 style&equals;"text-align&colon; justify&semi;">Types of Tax Credits<&sol;h2>&NewLine;<hr &sol;>&NewLine;<p style&equals;"text-align&colon; justify&semi;">There are three types of tax credits&colon; refundable&comma; nonrefundable&comma; and partially refundable&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">What is a nonrefundable tax credit&quest; It means that you can use the tax credit until your tax bill is zero&period; If your tax bill is &dollar;17&comma;000 and you have a &dollar;20&comma;000 tax credit&comma; you won’t get a &dollar;3&comma;000 tax refund&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">You will get a refund with a refundable tax credit&comma; however&period; Some tax credits are partially refundable&comma; depending on the amount and the tax credit&period;<&sol;p>&NewLine;<h2 style&equals;"text-align&colon; justify&semi;">Available Tax Credits<&sol;h2>&NewLine;<hr &sol;>&NewLine;<p style&equals;"text-align&colon; justify&semi;">Once you realize what a tax credit does to your tax bill&comma; you want to take advantage of as many as possible&period; One of the most common is the Earned Income Tax Credit&period; This is a refundable tax credit based on income&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">There’s also the Premium Tax Credit&comma; which is part of the Affordable Care Act&period; This is also a refundable tax credit to help you offset the costs of health care coverage&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">The Solar Tax Credit allows taxpayers to receive a tax credit of up to 26&percnt; of a qualified solar installation&period; This is a nonrefundable tax credit&period;<&sol;p>&NewLine;<p>You can learn more about solar tax credits at <a href&equals;"https&colon;&sol;&sol;blueravensolar&period;com&sol;colorado&sol;solar-panel-installers-fort-collins&sol;" target&equals;"&lowbar;blank" rel&equals;"noopener">https&colon;&sol;&sol;blueravensolar&period;com&sol;colorado&sol;solar-panel-installers-fort-collins&sol;<&sol;a>&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">There are still plenty of advantages of the solar tax credit&period; It can be applied to your taxes for the previous year and for the next 20 years&period; For instance&comma; you only use &dollar;3&comma;000 of a &dollar;15&comma;000 tax credit&period; You can apply the remaining &dollar;12&comma;000 to future tax bills for the next 20 years&period;<&sol;p>&NewLine;<h2 style&equals;"text-align&colon; justify&semi;">What Is a Federal Tax Credit&quest;<&sol;h2>&NewLine;<hr &sol;>&NewLine;<p style&equals;"text-align&colon; justify&semi;">What is a tax credit&quest; It’s a simple way to lower the amount of money you owe on taxes&period; There are many tax credits available and you should work with a tax professional to ensure you take advantage of the ones you’re eligible for&period;<&sol;p>&NewLine;<p style&equals;"text-align&colon; justify&semi;">Check out the blog for more news and information tips&period;<&sol;p>&NewLine;

Hardik Patel

Hardik Patel is a Digital Marketing Consultant and professional Blogger. He has 16+ years experience in SEO, SMO, SEM, Online reputation management, Affiliated Marketing and Content Marketing.

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