EV Tax Credits - Every 2024/2025 EV & PHEV That Qualifies & How It Works

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  • Опубліковано 14 лис 2024

КОМЕНТАРІ • 97

  • @LifeAfterLosing
    @LifeAfterLosing 2 місяці тому +12

    I know a lot of people complain about the tax credits, but the fact that Hyundai and Kia are moving production of their cars and the batteries to the states is a huge win. Many companies had to keep production here and more will move here if it stays. We just need more charging stations in the Midwest where I live and I would get one too.

  • @rightlanehog3151
    @rightlanehog3151 2 місяці тому +29

    Thanks Alex, We were overdue for another edition of "Alex on Accounting". 😉

    • @EVBuyersGuide
      @EVBuyersGuide  2 місяці тому +7

      It's hard to discount his accounting abilities. -Travis

    • @rightlanehog3151
      @rightlanehog3151 2 місяці тому

      @@EVBuyersGuide 😁

  • @timpowell6901
    @timpowell6901 2 місяці тому +29

    Do a video about the used ev and phev tax credit.

    • @luzovich
      @luzovich 2 місяці тому +4

      This would be very valuable especially with all the low cost used EVs on the market.

    • @normt430
      @normt430 2 місяці тому

      Consumer Reports finally did a more indepth article of used EV/PHEV.
      Allot of legacy dealerships won't do used credit at time of sale.

    • @petersachs764
      @petersachs764 2 місяці тому

      That would be too complicated for even an accountant. 😂

    • @normt430
      @normt430 2 місяці тому

      @@petersachs764 same irs code that everyone can read.

    • @LoveStallion
      @LoveStallion 2 місяці тому +2

      I think the max price on the used ones is way too low. I believe the code says the EV can't be newer than two years old, but it's basically impossible to find a 2022 Model Y with decent mileage for under $25K.
      And the AGI on the used vehicles is stupidly low.
      But that's ok as long as couples making $299,000 get to shave off $7,500 from the cost of the EV they can pay for in full ...

  • @longIslandEV
    @longIslandEV 2 місяці тому +10

    Thanks for simplifying the complicated

  • @shamanthjilla
    @shamanthjilla 2 місяці тому +4

    Hey Alex, even though I am already a subscriber on your Auto Buyers Guide channel, I wanted to double thank you for responding to my emails advising me on my Lyriq versus ZDX purchase. I bought the Lyriq. I also agree with you on your 6/10 score for seat comfort. Pity it doesn’t have thigh extenders. Hopefully it’s reliable. I have already taken it to the dealership for software issues (

    • @EVBuyersGuide
      @EVBuyersGuide  2 місяці тому +1

      Glad our advice was able to help and I hope you enjoy your new car! -Travis

  • @joebullwinkle5099
    @joebullwinkle5099 2 місяці тому +5

    Thanks Alex for the presentation on how the 2024 EV tax credits work and what vehicles are eligible. I feel many people are missing the fact that the whole idea of this is to bring back the EV production chain and materials sourcing to the United States. As an American, I feel it’s a fabulous idea too stop China completely dominating the mineral sourcing and processing for EV batteries. The United States prior to 1980, did pretty well much everything with manufacturing and then over the next 30 years we managed to give most of it up to China. It’s well time to bring at least some of this productive capacity back to the United States and give those jobs to Americans 🇺🇸.

  • @StephenByersJ
    @StephenByersJ 2 місяці тому +30

    Unpopular opinion: time to scrap the whole thing. This is way too complicated and OEMs are just holding prices artificially high. The credit just becomes a pass-through to the OEM. As we’ve seen with Hyundai and Kia they can lower the price by $7500 as a manufacturer incentive anyway.

    • @normt430
      @normt430 2 місяці тому +3

      Buy used...

    • @zekew7546
      @zekew7546 11 днів тому

      @@normt430
      Buy used, but some dealers advertise price of $24,999, and then in tiny mouse print, dealer adds that “price already includes $4000 tax credit if buyer qualifies.”
      How is that legal when federal tax credit says purchase price must be $25k or less, that is $4K credit plus $21 cash equals the max $25k purchase cap.

    • @normt430
      @normt430 11 днів тому +1

      @zekew7546 it is not and you should not support that dealership!

  • @edmackdaddy
    @edmackdaddy 2 місяці тому +7

    Good video. How about one on the used EV credit. And maybe the 40-60% drop in the resale value of high-end EVs.

    • @normt430
      @normt430 2 місяці тому

      Plenty of used i-pace and etrons under $25k!

  • @RobertLeBlancPhoto
    @RobertLeBlancPhoto 2 місяці тому +3

    I don't know about other brands, but both BMW and Lucid are providing $7500 tax rebate based lease credits and Lucid is also providing another $7500 Air credit and another $4000 in-stock vehicle credit, and another $1000 referral credit, for a total of $20K in discounts if you lease.

    • @Sandiegocruiser
      @Sandiegocruiser 2 місяці тому +1

      How much does that come out to at signing and monthly

    • @RobertLeBlancPhoto
      @RobertLeBlancPhoto 2 місяці тому

      @@Sandiegocruiser
      Depends on which trim and options you choose, how much you want to put down, and your credit rating, but I've found the Lucid to be about $200/mo less than the BMW i5 M60.

  • @chipper6729
    @chipper6729 2 місяці тому +2

    The Dual motor Model X (non-Plaid) with all seat options is under 80k and qualifies

  • @Evan_Land
    @Evan_Land 2 місяці тому +4

    Great data and info! This is extremely helpful for people looking to buy new cars, as many people will find better deals. I was able to find a Bolt EUV and with CO incentives, purchased it for $14,000 brand new.

  • @zekew7546
    @zekew7546 Місяць тому +1

    Thanks for this deep diving. Still dreaming about factoring in the tax credit in my next purchase.
    PS wondering on Jan 1st how the used clean vehicle credit will work on the newly qualifying 2023 used clean vehicles.

  • @michaelparks3106
    @michaelparks3106 14 днів тому

    In 2024 Chevy built 20K cars with batteries that don't meet the requirements for the rebate. To make up, they offered a $7,500 rebate. So if you don't qualify for the federal rebate, you can still get that on some 2024s still on the dealer's lots. (and since the 2025s are now here, they are heavily discounting the 2024s to move them).

  • @james2042
    @james2042 2 місяці тому +2

    Honestly the 7500 dollars off up front and having to pay the tax back gets 7500 dollars off the loan, which is a big money saver long term. I'd 100% do this regardless of if you qualify or not, as long as I knew I could pay

    • @EVBuyersGuide
      @EVBuyersGuide  2 місяці тому +1

      It would save money, yes, but I'm not sure many folks are doing that math and planning ahead in that way. -Travis

    • @normt430
      @normt430 2 місяці тому

      There is no method in the IRS code for recapture if you don't have enough tax liability. They only come after you if you make too much.

  • @dougmanck4149
    @dougmanck4149 2 місяці тому +2

    Base Tesla model 3 doesn't qualify for the federal credit and hasn't for quite some time since the batteries come from China

  • @petersachs764
    @petersachs764 2 місяці тому +1

    Huge EV fan. I own a Chevy Spark EV with 97k miles, but I am unsure when I can expect the battery to fail due to low voltage. In the past, I've loved this program but never used it. At this point, I'll admit it's turned into confusing burocratic nonsense.

  • @samridhsantosh9947
    @samridhsantosh9947 2 місяці тому +1

    One important point NO one covering !
    IRS states an eligible person can buy 2 EVs per financial year and both qualify.
    How this works? What if we sell 1st EV in same year before buying 2nd EV during same year and will still qualify POS credit for both vehicles?

    • @normt430
      @normt430 2 місяці тому +1

      Yes, new EV/PHEV credit is on unlimited number of purchases.
      On used it is to one every three years. If married it is one used for each spouse every three years.

    • @samridhsantosh9947
      @samridhsantosh9947 2 місяці тому

      @@normt430 you unlimited times mean per year ?
      Don’t think so, i think it was 2 per year.
      But can we sell before financial year close and will not have an impact on tax filing?

    • @sirmontego2
      @sirmontego2 2 місяці тому +1

      The "2 EVs per financial year" is actually a limit of two TRANSFER credits per year. Sources: IRS FS-2024-26, page 5, A16 and 26 CFR Section 1.30D-5(i). If an individual buys a third qualifying vehicle after obtaining two transfer credits, that third tax credit would have to be claimed on the individual's tax return, similar to how the traditional 2023 EV tax credits were claimed. There is no limit on how many traditional tax credits per year someone can get, though the modified adjusted gross income cap does sort of create a limit for most people.
      Selling an EV purchased in a year does not affect an individual's qualification to obtain a second transfer tax credit during that same year, since, obviously someone can get two transfer credits during the same year. HOWEVER, the IRS has said that if a buyer sells the car within 30 days of buying it, the buyer cannot keep the tax credit (a transfer credit or a traditional credit) for that car. Source: IRS FS-2024-26, page 4, A12.

    • @samridhsantosh9947
      @samridhsantosh9947 2 місяці тому

      @@sirmontego2 perfect 👍
      Thank you

  • @james2042
    @james2042 2 місяці тому +1

    Do you think the ram ev and phev will get the tax credit?

  • @bahamatodd
    @bahamatodd Місяць тому

    Vistiq is going almost the same size as the Lyriq. I doubt it will be much more expensive.

  • @smallbusinessdreams
    @smallbusinessdreams 2 місяці тому

    Rivian allowed a binding contract with only 1k down. The IRS approved it in 2023.

  • @MistSoalar
    @MistSoalar 2 місяці тому +1

    Are 2023 Ariya going to be qualified to used EV credit next year? Some of them are already below $25k

    • @normt430
      @normt430 2 місяці тому +1

      All used phev/ev that are two years old under $25k will qualify if the manufacturer has submitted the VIN to IRS.

    • @MistSoalar
      @MistSoalar 2 місяці тому

      @@normt430 Great. I also heard the EV has to be one-owner car? I hope Nissan turns in their homework on time!

    • @normt430
      @normt430 2 місяці тому +1

      @@MistSoalar Yes, no previous used EV tax credit used. And that is what the dealership will do when they input the VIN of the EV into IRS portal. The nest thing about the used EV/PHEV is up to $4,000 that can be used as a deposit the day of purchase.

  • @TurboDub1991
    @TurboDub1991 2 місяці тому

    Alex, you are awesome! I will be informing my AAA members about the EV tax credit availability

  • @davidcarroll8735
    @davidcarroll8735 2 місяці тому

    Excellent summary, thanks!

  • @appleiphone69
    @appleiphone69 Місяць тому

    The joke is that in order to truly afford a vehicle you must have a gross salary 3 times the purchase price, no negative equity rolled in, no big CC or student loan debt. No crying folks or “yeah buts”. That’s the cold hard truth.

  • @godofdun
    @godofdun 2 місяці тому

    I have a feeling stellantis is prioritizing sourcing the absolute cheapest batteries they can find (then applying 7500 cash on hood) over the tax credit being available for the vehicle. Not saying I like this strategy mind you......

  • @going2sleep
    @going2sleep Місяць тому

    Summary of 2024 changes. Tax credit at the point of sale. That is huge and very new. No minimum tax liability is needed but there is a limit on income levels as noted in the video.

  • @alvd8511
    @alvd8511 2 місяці тому

    Even with tax credits these models are still expensive. Keep in mind that you still pay the full price and get credit only during tax season and you have to be within certain AGI limits

  • @jollygreen4662
    @jollygreen4662 2 місяці тому

    What does head of house hold mean? Only person in the family earning ?

  • @flolou8496
    @flolou8496 2 місяці тому +1

    ???? Does anyone think they know the answer this question: Carrying over the 4,000 Federal Tax Credit over 2 years instead of just 1 ? In other words what if you don't pay 4,000 in taxes for the same year
    you purchased the used EV? (can you take say 2,000 in tax credit the following year, if you only pay 2,000 in federal taxes normally ? )

    • @normt430
      @normt430 2 місяці тому +2

      Firstly there is no carry over of PHEV or EV tax credit for IRA 2.0. Secondly you do not need tax liability to have dealership give you the $4,000 credit as a deposit at time of sale. The IRS has no method of recapture if you didn't have tax liability except if you made over income limits.
      All of this is written in IRS law and available foe your reading.

    • @flolou8496
      @flolou8496 2 місяці тому

      @@normt430 What? Are you sure? not about the carry over part, I figured that would be the case, however your reply and comment is the first I've heard, that basically anybody can take 4K off the price at the dealership, even if there of such low income they don't pay even pay taxes. Buddy, that sounds too good to be true, how certain are of this? (I've not heard anyone else say this, can you find someone also saying this, or stating this elsewhere in print form ?)

    • @sirmontego2
      @sirmontego2 2 місяці тому

      @@flolou8496 The video talks about not needing tax liability starting at 2:56 mark. If you're looking for the details, it is because if someone does the transfer of credit option under 26 USC Section 30D(g) and later does not have enough (or any) tax liability, then the law does not give the IRS the authority to recapture that difference because the recapture provisions in 26 USC Section 30D(f)(5) and (g)(10) do NOT include "due to insufficient tax liability." The transfer of credit option and procedures are also applicable to used EVs because the used EV tax credit law, 26 USC Section 25E(f) says "Rules similar to the rules of section 30D(g) shall apply."
      As further confirmation that the IRS won't go after someone for the sole reason of not having enough tax liability, the IRS wrote in IRS FS-2024-26, page 16, A4: "The amount of the credit that the electing taxpayer elects to transfer to the eligible entity may exceed the electing taxpayer’s regular tax liability for the taxable year in which the sale occurs, and the excess, if any, is not subject to recapture from the dealer or the buyer."
      The regulations at 26 CFR Section 1.25E-3(e)(1)(i) say nearly the same thing: "The amount of the section 25E credit that the electing taxpayer elects to transfer to the eligible entity under section 30D(g) (by reason of section 25E(f)) and paragraph (d) of this section may exceed the electing taxpayer’s regular tax liability (as defined in section 26(b)(1) of the Code) for the taxable year in which the sale occurs, and the excess, if any, is not subject to recapture on the basis that it exceeded the electing taxpayer’s regular tax liability;"

  • @Molishious
    @Molishious 2 місяці тому

    I’m hearing that the Ioniq 5 will start out with half the credit for some reason and then later might qualify for the whole credit.

  • @petersachs764
    @petersachs764 2 місяці тому +1

    Like someone making under 150k could even responsibility afford an EV9. Come on now!

  • @Sandiegocruiser
    @Sandiegocruiser 2 місяці тому

    Are the rules the same if you are an llc?

    • @normt430
      @normt430 2 місяці тому

      The IRS doesn't care if you are a pass through entity like a LLC. But they did say that the vehicle is not supposed to be used for business morr than 50% of the time.

    • @Sandiegocruiser
      @Sandiegocruiser 2 місяці тому

      @@normt430 seems like u need to have loss to get it if your an llc

    • @normt430
      @normt430 2 місяці тому

      @@Sandiegocruiser the IRS doesn't care what level of personal protection you legally have. They just don't wabt you using for business 51% of the time or more.

  • @ALMX5DP
    @ALMX5DP 2 місяці тому +2

    So being it is now applied at the point of sale, just as the example you mentioned if someone’s tax liability is not above the credit amount they’ll have to owe that back at the end of their next tax filing? If you know exactly what that difference is and can plan for it, seems okay but if you don’t or are unsure that could be a real surprise when it comes to Uncle Sam wanting its money back.

    • @EVBuyersGuide
      @EVBuyersGuide  2 місяці тому +1

      It's both easier and harder. -Travis

    • @sirmontego2
      @sirmontego2 2 місяці тому +1

      If someone's modified adjusted gross income (MAGI) is above the cap (not tax liability), then the buyer has to pay the transfer of credit amount back. However, a buyer can also use last year's MAGI to get under the cap (26 USC Section 30D(f)(10), so that does sort of helps with planning.

    • @michaelparks3106
      @michaelparks3106 14 днів тому +1

      Seems pretty easy to figure out. If you made under $150k last year (single) or $300k (married, filing jointly) you qualify. Unless your earnings change greatly this year, you should be able to use last year's earnings as a guideline for what you'll probably earn this year.

  • @DavidDLee
    @DavidDLee 2 місяці тому +1

    Sad to see that there are no good PHEVs to choose from.
    We would likely get a hybrid in 2025. The PHEVs I considered don't make a financial sense if there's no incentive.
    I think the rollout is too slow currently, making too many models not qualify (RAV4 Prime, Prius Prime, Hyundai/Kia PHEVs, etc.)

    • @jamesvandamme7786
      @jamesvandamme7786 2 місяці тому

      Get a cheap used gas car to tide you over until more, cheaper, better EVs come on the market. 2-3 years or so.

    • @Qrail
      @Qrail 2 місяці тому

      Look at some used PHEV’s. The S60 Volvo, is a possibly. Depending on what “no good” means. I will probably get the 2025 PHEV Escape since it might be the last year.

  • @jamesvandamme7786
    @jamesvandamme7786 2 місяці тому +1

    If Detroit built a $30K car, Biden's $7500 on the hood would make it a spectacular deal. But Noooooo ....

  • @BrandonG8Man
    @BrandonG8Man 2 місяці тому +1

    Any single person making $150k or couple making $300k DOES NOT need the tax credit.

  • @bigfish1026
    @bigfish1026 2 місяці тому +1

    I need a CPA. I don't understand this sh!t.

  • @Noah_E
    @Noah_E 2 місяці тому +2

    The tax rebate system has always rubbed me the wrong way. Shouldn’t the goal be to help the most people be able to afford EVs and wouldn’t the lowest earners benefit the most from the lower running costs of an EV? The current system just subsidizes the purchases of people who don’t need the help paying the EV price premium. That discourages car companies from producing cheaper models and reinforces the idea to large chunks of the population that EVs are play things for the rich who have a second or third car at home for situations when an EV isn’t ideal. If the idea is to get EVs into the hands of more people they should be treated like other entitlements like food stamps and housing vouchers. The current system inflates the MSRPs by $7,500 for everyone.

    • @Evan_Land
      @Evan_Land 2 місяці тому +3

      Currently the refund occurs regardless of income. A person could make 80K or 40K or 20k and still get the full amount.

    • @nikidelvalle
      @nikidelvalle 2 місяці тому

      Yeah what's important to remember is that supporting the EV industry is just smokescreen for the government, if they cared about the environment they would've invested in promoting hybrids just as much if not more than EVs.

    • @normt430
      @normt430 2 місяці тому

      ​@@nikidelvalleremember too that the .gov is also subsidizing gasoline.

    • @normt430
      @normt430 2 місяці тому

      The tax code is written to help people lower thier taxes by investing in businesses. Though battery prices are falling they are not at a level to propel your Corolla or Civic while the company makes a profit...yet. So until the price parody is reached they continue to make expensive models as EV's.

    • @sirmontego2
      @sirmontego2 2 місяці тому +1

      The EV tax credit absolutely encourages car companies to make cheap cars for low-income people. The tax credit is a flat $7,500 if the critical mineral and battery components are met AND there is no minimum price. So a car company could make a $10,000 car, sell it to someone with super low income, have that person get the $7,500 transfer credit at the time of sale, finance the remaining $2,500, and then the buyer won't have to pay that $7,500 back due to not making enough money. Heck, if the car company sells a new EV for $7,500 people would standing around for miles to get that "free after tax credit" car.

  • @sam-yau
    @sam-yau 2 місяці тому

    I really hope the American market starts focusing hard on EREVs, seems like such a natural evolution of the PHEV

  • @ProfessionalBirdWatcher
    @ProfessionalBirdWatcher 2 місяці тому +1

    These vehicles are so pathetic they need to be subsidized because they're not practical or reliable

  • @TheCarCrazyGuy
    @TheCarCrazyGuy 2 місяці тому +7

    Just throw out the current administration already. All EV’s should be qualified for federal tax credits, regardless of the price of the vehicle, location of where it’s built, battery chemistry is sourced, your income, etc. After all is not what they wanted, a world full of EV’s?

    • @EVBuyersGuide
      @EVBuyersGuide  2 місяці тому +13

      It's quite a bit more nuanced than that. -Travis

    • @TheCarCrazyGuy
      @TheCarCrazyGuy 2 місяці тому

      @@EVBuyersGuide it needs to change

    • @spenceralridge4958
      @spenceralridge4958 2 місяці тому

      While I am personally fine with EV tax credits for all EV’s, there is certainly a school of thought that tax credits of any sort should not exist. Of course, that would mean that subsidies for milk, high protectionist tariffs on pickup trucks, etc would cease to exist across the board. That said, incentives are just that - incentives, and these changes were intended to incentivize the development and production of (1) lower priced EV’s, and (2) EV’s built in the US/North America (and with batteries sourced somewhere besides China). We can all argue about whether these are the correct goals, but these incentives are having an influence on production locations and there are some lower priced (but not yet low priced) EV’s starting to hit the market.

    • @spenceralridge4958
      @spenceralridge4958 2 місяці тому

      @@EVBuyersGuide- you are absolutely correct.

  • @torocars9227
    @torocars9227 2 місяці тому +6

    I’ll summarize the video . Just buy a Tesla every other corporation are not worth it.

    • @aa-tx7th
      @aa-tx7th 2 місяці тому

      ew.

    • @torocars9227
      @torocars9227 2 місяці тому +1

      @@aa-tx7th Be honest, You socialist or something ?