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Cinco formas ocultas de aumentar tu reembolso de impuestos

Written by a TurboTax Expert • Reviewed by Miguel Burgos, CPAUpdated for Tax Year 2023 • December 26, 2023 5:39 PM
OVERVIEW

Estas son cinco formas infalibles de reducir tu responsabilidad tributaria a la hora de presentar tus impuestos. No pagues más de lo que adeudas o, incluso, aumenta tu reembolso de impuestos.

 

Una joven madre pinta sobre un lienzo con su hijo pequeño.

Puntos clave

  • El presentar como casado que presenta por separado puede ofrecer ahorros tributarios bajo ciertas condiciones, incluyendo cuando un esposo tiene una gran cantidad de gastos médicos deducibles. Presentar por separado también pudiera hacer que un esposo sea elegible para un mayor Crédito Tributario por Hijos.

  • Presentar como cabeza de familia puede resultar en una mayor deducción estándar y escalas tributarias más favorables que cuando presentas como soltero, si calificas.

  • Algunas deducciones comúnmente pasadas por alto incluyen aquellas para impuestos sobre las ventas estatales y locales, impuestos sobre los ingresos estatales, donaciones caritativas en efectivo (incluyendo millaje), y intereses sobre préstamos hipotecarios.

  • Las familias ingreso bajo moderado pueden calificar para el Crédito por Ingreso del Trabajo que vale hasta $7,430 (año tributario 2023), el cual se paga como un reembolso si no debes ningún impuesto.

Aumenta tu reembolso de impuestos

Aunque los estadounidenses pueden estar en desacuerdo con la forma en que el Gobierno gasta sus impuestos, a la hora de hacer la declaración, muchos de nosotros buscamos formas de no pagar más de lo que adeudamos o, incluso, de aumentar nuestro reembolso de impuestos. Estas estrategias van más allá de lo obvio para ofrecerte formas reales de reducir tu responsabilidad tributaria.

1. Reconsidera el estado civil que usarás en tu declaración de impuestos

Una de las primeras decisiones que tomas al preparar tu declaración de impuestos (la elección de tu estado civil) puede afectar la cantidad de tu reembolso, especialmente si estás casado. Si bien aproximadamente el 96 % de las parejas casadas presentan una declaración conjunta cada año, esta no siempre es la mejor opción.

  • El Crédito Tributario por Hijos está disponible para los cónyuges que presentan su declaración por separado. Para el año 2020, el crédito asciende a $2,000 por hijo menor de 17 años, y ahora puede ser reclamado por una persona que presenta su declaración por separado y tiene un ingreso bruto ajustado inferior a $200,000 ($400,000 para las personas que presentan una declaración conjunta).
  • Solamente para la declaración de impuestos de 2021 (que prepararás en 2022), el Crédito Tributario por Hijos se amplía con el Plan de Rescate Estadounidense, que incrementa el crédito por hijo a $3,600 o $3,000 según la edad de tu hijo (hasta 17 años de edad). El crédito también es completamente reembolsable para 2021. Para que el dinero llegue más rápido a las manos de las familias, el IRS (Servicio de Impuestos Internos) realizará pagos anticipados del Crédito Tributario por Hijos de 2021 a partir de julio de 2021. Para obtener las actualizaciones y más información, consulta nuestra publicación del blog sobre el Crédito Tributario por Hijos de 2021.

Optar por presentar declaraciones por separado puede generar algún inconveniente, como la pérdida de ciertas deducciones disponibles para las personas que presentan una declaración conjunta. Tendrás que evaluar esto cuidadosamente para maximizar el potencial de tu reembolso. Además, ambos cónyuges deben tomar la deducción estándar o detallar las deducciones. No pueden usar distintas opciones en las dos declaraciones.

  • Calcular tus impuestos de ambas maneras te ayudará a conocer con cuál de ellas puedes obtener un mayor reembolso.
  • Si usas TurboTax, haremos este cálculo por ti y te recomendaremos el estado civil que más te convenga.

Los contribuyentes solteros que reclaman un dependiente calificado suelen poder reducir sus impuestos si presentan la declaración como cabezas de familia y cumplen con los requisitos correspondientes.

  • Este estado civil goza de una deducción estándar más alta y categorías tributarias más favorables que la declaración como soltero.
  • Un dependiente calificadopuede ser un hijo al que hayas sustentado financieramente y que haya vivido contigo durante más de seis meses. O bien, puede ser uno de tus padres de edad avanzada al que hayas proporcionado sustento financiero.

Muchos contribuyentes que cuidan de sus padres de edad avanzada no saben que pueden optar por el estado civil de cabeza de familia. Si proporcionas más de la mitad del sustento financiero de tus padres (aunque no vivan contigo), puedes presentar la declaración como cabeza de familia.

2. Aprovecha las deducciones de impuestos

Existen muchas deducciones de las que tal vez no estés al tanto y varias de ellas suelen pasarse por alto. Las deducciones para las que califiques pueden suponer una diferencia significativa en tu reembolso de impuestos. Entre ellas, se encuentran las siguientes:

  • Impuesto estatal sobre las ventas: mediante la calculadora del IRS, puedes determinar la cantidad de impuestos estatales y locales sobre las ventas que puedes deducir.
  • Dividendos reinvertidos: técnicamente, no es una deducción, pero puede reducir tu responsabilidad tributaria general. Cuando los dividendos de tus fondos de inversión se reinviertan automáticamente, inclúyelos en tu base de costo. De ese modo, cuando vendas acciones, podrías reducir las ganancias de capital sujetas a impuestos.
  • Contribuciones caritativas de tu bolsillo: las grandes donaciones no son la única forma de obtener deducciones. Lleva la cuenta también de los pequeños gastos que califiquen, como los ingredientes de ese delicioso pastel que donaste para la feria de pastelería. Puede que te sorprenda la rapidez con la que se acumulan unos pocos desembolsos caritativos aquí y allá.
  • Intereses sobre préstamos estudiantiles: aunque no los hayas pagado tú, puedes deducirlos siempre que seas tú quien tiene la obligación de pagarlos. Según las nuevas pautas, si otra persona paga el préstamo, el IRS lo considera como si te hubieran dado el dinero y lo hubieras utilizado para pagar el préstamo estudiantil. Si cumples con todos los requisitos, serías elegible para la deducción.

Solo para el 2021:

Para el 2021, el Plan de Rescate Estadounidense introduce cambios significativos en la cantidad y la forma en que se puede reclamar el Crédito Tributario por Gastos de Cuidado de Hijos Menores y Dependientes. El plan aumenta la cantidad de los gastos elegibles para el crédito, atenúa la reducción del crédito debido a los niveles de ingresos y también ahora es totalmente reembolsable. Esto significa que, a diferencia de otros años, se puede obtener el crédito, aunque no se adeuden impuestos.

Por lo tanto, para el año tributario 2021 (los impuestos que presentarás en 2022):

  • La cantidad de los gastos calificados aumenta de $3,000 en 2020 a $8,000 para una persona calificada y de $6,000 en 2020 a $16,000 para dos o más personas calificadas.
  • El porcentaje de gastos calificados elegibles para el crédito aumenta del 35 % al 50 %.
  • El inicio de la reducción del crédito es $125,000 de Ingreso Bruto Ajustado (AGI, por sus siglas en inglés).

También para el año tributario 2021, se incrementa de $5,000 a $10,500 la cantidad máxima que se puede aportar a la cuenta de gastos flexibles para el cuidado de dependientes y la cantidad de beneficios libres de impuestos proporcionados por el empleador para el cuidado de dependientes.

  • Crédito Tributario por Ingreso del Trabajo o EITC: (por sus siglas en inglés): este crédito ayuda a las familias con niveles de ingresos bajos y moderados. Está pensado para beneficiar a las familias trabajadoras con hijos. Si tienes tres o más hijos que califiquen, el crédito podría ser de hasta $7,430 para el año tributario 2022, y el resultado neto podría ser un reembolso, aunque no tengas que pagar impuestos.
  • Impuesto estatal sobre los ingresos pagado en la declaración del año anterior: si el año anterior pagaste dinero en tu declaración de impuestos estatal sobre los ingresos, puedes agregarlo a cualquier otro impuesto estatal sobre los ingresos hasta un máximo de $10,000 y usarlo como una deducción detallada.
  • Ciertos honorarios por servicio de jurado: si tu empresa te pagó mientras prestabas servicio de jurado y tu empleador te exigió que le entregaras el pago que recibiste del tribunal por dicho servicio, puedes reclamar la cantidad que entregaste como un ajuste de tus ingresos.
  • Millaje por cuestiones médicas: sujeto a un límite general de AGI para el total de los gastos médicos y con un valor de $0.22 por milla en 2023 dependiendo de la parte del año. El límite es cualquier gasto médico calificado no reembolsado que exceda el 7.5 % de tu AGI.
  • Millaje por cuestiones de caridadtotalmente deducible a $0.14 por milla en 2023. Por lo tanto, si condujiste 50 millas por semana para ser voluntario de una organización de caridad, eso representa una deducción adicional de $364:
    • 52 semanas/año x 50 millas/semana = 2,600 millas que condujiste en un año
    • 2,600 millas x $0.14/milla = $364

Es importante mantener un buen registro de tus deducciones, especialmente cuando no recibes ningún tipo de recibo, como en el caso de algunas contribuciones de caridad y millaje por cuestiones de caridad o médicas. No se requiere nada extravagante; un cuaderno en la guantera está bien. Asegúrate de llevar un registro de lo siguiente:

  • la fecha, las millas recorridas y el propósito médico o caritativo de cada viaje;
  • el valor de mercado de las donaciones en especie, como ropa y artículos domésticos;
  • los dólares que gastas para hacer una obra de caridad (por ejemplo, cuando cocinas para una recaudación de fondos, el costo de los ingredientes es deducible, pero el valor del tiempo que dedicaste a hornear no lo es).

Nota de TurboTax:

 Las contribuciones a cuentas IRA tradicionales pueden reducir tu ingreso tributable, y tienes hasta la fecha límite para presentar (a menos que se retrase debido a que sea fin de semana o festivo) para contribuir a una IRA tradicional para el año previo. 

3. Maximiza tus contribuciones a cuentas IRA y HSA

Tienes hasta la fecha límite de presentación (a menos que se retrase debido a un fin de semana o un día festivo) para abrir una cuenta IRA tradicional o contribuir a ella para el año tributario anterior. Eso te da la flexibilidad de reclamar el crédito en tu declaración, presentarla antes y utilizar tu reembolso para abrir la cuenta.

  • Las contribuciones a una cuenta IRA tradicional pueden reducir tus ingresos sujetos a impuestos. Puedes aprovechar la contribución máxima y, si tienes al menos 50 años, con la disposición de contribuciones para ponerte al día puedes aumentar los fondos de tu cuenta IRA.
  • Aunque las contribuciones a una cuenta Roth IRA no ofrecen ninguna deducción, puedes calificar para el valioso Crédito del Ahorrador si cumples los parámetros de ingresos.
  • Si eres un trabajador por cuenta propia, tienes hasta el 15 de octubre para realizar contribuciones a determinados planes de jubilación para trabajo por cuenta propia, siempre que solicites a tiempo una prórroga. Si no solicitas una prórroga, el plazo de presentación normal para ese año es la fecha límite para la mayoría de las contribuciones.

Las contribuciones antes de impuestos a una cuenta de ahorros para gastos médicos (HSA, por sus siglas en inglés) también pueden reducir tus ingresos sujetos a impuestos. Además, puedes hacerlas hasta la fecha límite de presentación. Hay que cumplir ciertos requisitos para poder abrir y contribuir a una HSA:

  • Debes estar inscrito en un plan de seguro médico con deducibles elevados que alcancen o superen las cantidades exigidas por el IRS.
  • Ese plan también debe imponer los límites máximos de gastos de bolsillo anuales que cumplan con las limitaciones del IRS.

No podrás participar en una HSA si se produce alguna de las siguientes circunstancias:

  • Tienes algún otro plan de cobertura médica "first dollar" (cobertura plena sin deducible)
  • Estás inscrito en el programa Medicare
  • Se te reclama como dependiente en la declaración de otro contribuyente

Lee este artículo para obtener más información sobre los requisitos de las HSA y cómo funcionan estas cuentas.

4. Recuerda que cumplir con los plazos puede aumentar tu reembolso de impuestos

Los contribuyentes que respetan el calendario aumentan sus posibilidades de obtener un reembolso mayor. Busca pagos o contribuciones que puedas hacer antes de que termine el año para reducir tus ingresos sujetos a impuestos. Por ejemplo:

  • Este podría ser el momento de hacer algunas donaciones caritativas, pero asegúrate de que se trate de una organización de caridad calificada y de llevar el control de tus gastos en tus registros.
  • Si eres un trabajador por cuenta propia, analiza las compras que debas hacer y que puedan considerarse deducibles. Compra cosas como equipos de oficina y programas de software antes de que acabe el año para ayudar a aumentar tu reembolso.
  • Si puedes reclamar la deducción por el uso comercial del hogar, puedes incluso deducir el costo de pintar la oficina que tienes en tu hogar si quieres empezar el nuevo año con un aspecto nuevo en tu espacio de trabajo.

5. Conviértete en un experto en créditos tributarios

Los créditos tributarios suelen funcionar mejor que las deducciones como potenciadores de reembolsos, ya que reducen tus impuestos dólar por dólar. Si obtienes un crédito de $100, recibes $100 de descuento en tus impuestos. Muchos contribuyentes se olvidan de reclamar los créditos tributarios.

La Ley de Asignaciones Consolidadas (CAA, por sus siglas en inglés) se promulgó el 27 de diciembre de 2020 como una medida de estímulo para brindar alivio a las personas afectadas por la pandemia. Para el año tributario 2020, la CAA permite que los contribuyentes usen sus ingresos del trabajo de 2019 (si fueron más altos que los de 2020) para calcular el Crédito Tributario Adicional por Hijos (ACTC, por sus siglas en inglés) y el Crédito Tributario por Ingreso del Trabajo. Para el año 2021, los contribuyentes pueden utilizar sus ingresos de 2021 o 2019 para maximizar el crédito.

Si eres un estudiante universitario o proporcionas el sustento financiero a un hijo que estudia en la universidad, puedes ser elegible para reclamar valiosos créditos para la educación.

  • El Crédito de Oportunidad Americana es reembolsable hasta $1,000. Esto significa que podrías recibir hasta $1,000 aunque no tengas una factura de impuestos. El crédito total es de $2,500 por estudiante y se aplica solo a los fondos pagados para cubrir los primeros cuatro años de gastos calificados de educación superior de grado.
  • Si estás cursando estudios de posgrado o superiores, podrías ser elegible para el Crédito Perpetuo por Aprendizaje. Puedes reclamar el 20 % de tus gastos calificados de hasta $10,000 o un máximo de $2,000 por declaración de impuestos, según tus ingresos.

Los créditos tributarios para las mejoras de eficiencia energética en la vivienda también pueden permitirte ahorrar dinero durante todo el año y a la hora de presentar tus impuestos.

  • El crédito para el 2023 es de hasta el 30 % del costo de ciertos gastos energéticos calificados. Eso significa que, si instalas paneles solares por un costo de $20,000, tu crédito total es de $6,000 en 2023.
  • Cualquier parte no utilizada en 2023 se transfiere a 2024.

Con TurboTax Live Full Service, un experto bilingüe local elegido según tu situación en particular se ocupará de tus impuestos por ti de principio a fin. O bien, obtén ayuda y asesoramiento ilimitados de expertos en impuestos bilingües mientras preparas tu declaración con TurboTax Live Assisted.

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The above article is intended to provide generalized financial information designed to educate a broad segment of the public; it does not give personalized tax, investment, legal, or other business and professional advice. Before taking any action, you should always seek the assistance of a professional who knows your particular situation for advice on taxes, your investments, the law, or any other business and professional matters that affect you and/or your business.

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  • Fees: Third-party fees may apply. Please see Credit Karma Money Account Terms & Disclosures for more information.

  • Pay for TurboTax out of your federal refund or state refund (if applicable): Individual taxes only. Subject to eligibility requirements. Additional terms apply. A $40 Refund Processing Service fee may apply to this payment method. Prices are subject to change without notice.

  • TurboTax Help and Support: Access to a TurboTax product specialist is included with TurboTax Deluxe, Premium, TurboTax Live Assisted and TurboTax Live Full Service; not included with Free Edition (but is available as an upgrade). TurboTax specialists are available to provide general customer help and support using the TurboTax product. Services, areas of expertise, experience levels, wait times, hours of operation and availability vary, and are subject to restriction and change without notice. Limitations apply See Terms of Service for details.
  • Tax Advice, Expert Review and TurboTax Live: Access to tax advice and Expert Review (the ability to have a Tax Expert review and/or sign your tax return) is included with TurboTax Live Assisted or as an upgrade from another version, and available through December 31, 2024. Intuit will assign you a tax expert based on availability. Tax expert and CPA availability may be limited. Some tax topics or situations may not be included as part of this service, which shall be determined in the tax expert’s sole discretion. For the TurboTax Live Assisted product, if your return requires a significant level of tax advice or actual preparation, the tax expert may be required to sign as the preparer at which point they will assume primary responsibility for the preparation of your return. For the TurboTax Live Full Service product: Handoff tax preparation by uploading your tax documents, getting matched with an expert, and meeting with an expert in real time. The tax expert will sign your return as a preparer. The ability to retain the same expert preparer in subsequent years will be based on an expert’s choice to continue employment with Intuit. Administrative services may be provided by assistants to the tax expert. On-screen help is available on a desktop, laptop or the TurboTax mobile app. Unlimited access to TurboTax Live tax experts refers to an unlimited quantity of contacts available to each customer, but does not refer to hours of operation or service coverage. Service, area of expertise, experience levels, wait times, hours of operation and availability vary, and are subject to restriction and change without notice.

  • TurboTax Live Full Service – Qualification for Offer: Depending on your tax situation, you may be asked to answer additional questions to determine your qualification for the Full Service offer. Certain complicated tax situations will require an additional fee, and some will not qualify for the Full Service offering. These situations may include but are not limited to multiple sources of business income, large amounts of cryptocurrency transactions, taxable foreign assets and/or significant foreign investment income. Offer details subject to change at any time without notice. Intuit, in its sole discretion and at any time, may determine that certain tax topics, forms and/or situations are not included as part of TurboTax Live Full Service. Intuit reserves the right to refuse to prepare a tax return for any reason in its sole discretion. Additional limitations apply. See Terms of Service for details.

  • TurboTax Live Full Service - File your taxes as soon as today: TurboTax Full Service Experts are available to prepare 2023 tax returns starting January 8, 2024. Based on completion time for the majority of customers and may vary based on expert availability. The tax preparation assistant will validate the customer’s tax situation during the welcome call and review uploaded documents to assess readiness. All tax forms and documents must be ready and uploaded by the customer for the tax preparation assistant to refer the customer to an available expert for live tax preparation.

  • TurboTax Live Full Service -- Verified Pro -- “Local” and “In-Person”: Not all feature combinations are available for all locations. "Local" experts are defined as being located within the same state as the consumer’s zip code for virtual meetings. "Local" Pros for the purpose of in-person meetings are defined as being located within 50 miles of the consumer's zip code. In-person meetings with local Pros are available on a limited basis in some locations, but not available in all States or locations. Not all pros provide in-person services.

  • Smart Insights: Individual taxes only. Included with TurboTax Deluxe, Premium, TurboTax Live, TurboTax Live Full Service, or with PLUS benefits, and is available through 11/1/2024. Terms and conditions may vary and are subject to change without notice.

  • My Docs features: Included with TurboTax Deluxe, Premium TurboTax Live, TurboTax Live Full Service, or with PLUS benefits and is available through 12/31/2025. Terms and conditions may vary and are subject to change without notice.

  • Tax Return Access: Included with all TurboTax Free Edition, Deluxe, Premium, TurboTax Live, TurboTax Live Full Service customers and access to up to the prior seven years of tax returns we have on file for you is available through 12/31/2025. Terms and conditions may vary and are subject to change without notice.

  • Easy Online Amend: Individual taxes only. Included with TurboTax Deluxe, Premium, TurboTax Live, TurboTax Live Full Service, or with PLUS benefits. Make changes to your 2023 tax return online for up to 3 years after it has been filed and accepted by the IRS through 10/31/2026. Terms and conditions may vary and are subject to change without notice. For TurboTax Live Full Service, your tax expert will amend your 2023 tax return for you through 11/15/2024. After 11/15/2024, TurboTax Live Full Service customers will be able to amend their 2023 tax return themselves using the Easy Online Amend process described above.

  • #1 best-selling tax software: Based on aggregated sales data for all tax year 2022 TurboTax products.

  • #1 online tax filing solution for self-employed: Based upon IRS Sole Proprietor data as of 2023, tax year 2022. Self-Employed defined as a return with a Schedule C tax form. Online competitor data is extrapolated from press releases and SEC filings. “Online” is defined as an individual income tax DIY return (non-preparer signed) that was prepared online & either e-filed or printed, not including returns prepared through desktop software or FFA prepared returns, 2022.

  • CompleteCheck: Covered under the TurboTax accurate calculations and maximum refund guarantees. Limitations apply. See Terms of Service for details.
  • TurboTax Premium Pricing Comparison: Cost savings based on a comparison of TurboTax product prices to average prices set forth in the 2020-2021 NSA Fees-Acct-Tax Practices Survey Report.

  • 1099-K Snap and Autofill: Available in mobile app and mobile web only.

  • 1099-NEC Snap and Autofill: Available in TurboTax Premium (formerly Self-Employed) and TurboTax Live Assisted Premium (formerly Self-Employed). Available in mobile app only. Feature available within Schedule C tax form for TurboTax filers with 1099-NEC income.

  • Year-Round Tax Estimator: Available in TurboTax Premium (formerly Self-Employed) and TurboTax Live Assisted Premium (formerly Self-Employed). This product feature is only available after you finish and file in a self-employed TurboTax product.

  • **Refer a Friend: Rewards good for up to 20 friends, or $500 - see official terms and conditions for more details.

  • Refer your Expert (Intuit’s own experts): Rewards good for up to 20 referrals, or $500 - see official terms and conditions for more details.

  • Refer your Expert (TurboTax Verified Independent Pro): Rewards good for up to 20 referrals, or $500 - see official terms and conditions for more details.

  • Average Refund Amount: Sum of $3140 is the average refund American taxpayers received based upon IRS data date ending 2/17/23 and may not reflect actual refund amount received.

  • Average Deduction Amount: Based on the average amount of deductions/expenses found by TurboTax Self Employed customers who filed expenses on Schedule C in Tax Year 2022 and may not reflect actual deductions found.

  • More self-employed deductions based on the median amount of expenses found by TurboTax Premium (formerly Self Employed) customers who synced accounts, imported and categorized transactions compared to manual entry. Individual results may vary.

  • TurboTax Online Business Products: For TurboTax Live Assisted Business and TurboTax Full Service Business, we currently don’t support the following tax situations: C-Corps (Form 1120-C), Trust/Estates (Form 1041), Multiple state filings, Tax Exempt Entities/Non-Profits, Entities electing to be treated as a C-Corp, Schedule C Sole proprietorship, Payroll, Sales tax, Quarterly filings, and Foreign Income. TurboTax Live Assisted Business is currently available only in AK, AZ, CA, CO, CT, DE, FL, GA, IL, KS, MA, MD, ME, MI, MN, MO, NC, NJ, NV, NY, OH, PA, RI, SD, TN, TX, UT, VA, WA, WV and WY.

  • Audit Defense: Audit Defense is a third-party add-on service provided, for a fee, by TaxResources, Inc., dba Tax Audit. See Membership Agreements at https://turbotax.intuit.com/corp/softwarelicense/ for service terms and conditions. 

TURBOTAX DESKTOP GUARANTEES

TurboTax Desktop Individual Returns:

  • 100% Accurate Calculations Guarantee – Individual Returns: If you pay an IRS or state penalty or interest because of a TurboTax calculation error, we’ll pay you the penalty and interest. Excludes payment plans. This guarantee is good for the lifetime of your personal, individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax Desktop. Excludes TurboTax Desktop Business returns. Additional terms and limitations apply. See License Agreement for details.

  • Maximum Refund Guarantee / Maximum Tax Savings Guarantee - or Your Money Back – Individual Returns: If you get a larger refund or smaller tax due from another tax preparation method by filing an amended return, we'll refund the applicable TurboTax federal and/or state software license purchase price you paid. This guarantee is good for the lifetime of your personal, individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax Desktop. Excludes TurboTax Desktop Business returns. Additional terms and limitations apply. See License Agreement for details.

  • Audit Support Guarantee – Individual Returns: If you receive an audit letter from the IRS or State Department of Revenue based on your 2024 TurboTax individual tax return, we will provide one-on-one question-and-answer support with a tax professional, if requested through our Audit Support Center, for audited individual returns filed with TurboTax Desktop for the current 2024 tax year and, for individual, non-business returns, for the past two tax years (2022, 2023). Audit support is informational only. We will not represent you before the IRS or state tax authority or provide legal advice. If we are not able to connect you to one of our tax professionals, we will refund the applicable TurboTax federal and/or state license purchase price you paid. This guarantee is good for the lifetime of your personal, individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax Desktop. Excludes TurboTax Desktop Business returns. Additional terms and limitations apply. See License Agreement for details.

  • Satisfaction Guarantee/ 60-Day Money Back Guarantee: If you're not completely satisfied with TurboTax Desktop software, go to refundrequest.intuit.com within 60 days of purchase and follow the process listed to submit a refund request. You must return this product using your license code or order number and dated receipt. Desktop add-on products and services purchased are non-refundable.

TurboTax Desktop Business Returns:

  • 100% Accurate Calculations Guarantee – Business Returns: If you pay an IRS or state penalty or interest because of a TurboTax calculation error, we’ll pay you the penalty and interest. Excludes payment plans. You are responsible for paying any additional tax liability you may owe. Additional terms and limitations apply. See License Agreement for details.

  • Maximum Tax Savings Guarantee - Business Returns: If you get a smaller tax due (or larger business tax refund) from another tax preparation method using the same data, TurboTax will refund the applicable TurboTax Business Desktop license purchase price you paid. Additional terms and limitations apply. See License Agreement for details.

  • Satisfaction Guarantee/ 60-Day Money Back Guarantee: If you're not completely satisfied with TurboTax Desktop software, go to refundrequest.intuit.com within 60 days of purchase and follow the process listed to submit a refund request. You must return this product using your license code or order number and dated receipt. Desktop add-on products and services purchased are non-refundable.

TURBOTAX DESKTOP DISCLAIMERS

  • Installation Requirements: Product download, installation and activation requires an Intuit Account and internet connection. Product limited to one account per license code. You must accept the TurboTax License Agreement to use this product. Not for use by paid preparers.

  • TurboTax Desktop Products: Price includes tax preparation and printing of federal tax returns and free federal e-file of up to 5 federal tax returns. Additional fees apply for e-filing state returns. E-file fees may not apply in certain states, check here for details. Savings and price comparison based on anticipated price increase. Software updates and optional online features require internet connection. Desktop add-on products and services purchased are non-refundable.

  • Fastest Refund Possible: Get your tax refund from the IRS as fast as possible by e-filing and choosing to receive your refund by direct deposit. Tax refund time frames will vary. The IRS issues more than 9 out of 10 refunds in less than 21 days.

  • Average Refund Amount: $3,207 is the average refund amount American taxpayers received in the 2024 filing season based upon IRS data as of February 16, 2024 and may not reflect actual refund amount received.

  • TurboTax Technical Support: Customer service and technical support hours and options vary by time of year.

  • Deduct From Your Federal Refund: Individual taxes only. Subject to eligibility requirements. Additional terms apply. A $40 Refund Processing Service fee applies to this payment. method. Prices are subject to change without notice.

  • Data Import: Imports financial data from participating companies; Requires Intuit Account. Quicken and QuickBooks import not available with TurboTax installed on a Mac. Imports from Quicken (2022 and higher) and QuickBooks Desktop (2023 and higher); both Windows only. Quicken import not available for TurboTax Desktop Business. Quicken products provided by Quicken Inc., Quicken import subject to change.

  • Live Tax Advice: Access to tax experts to obtain answers to tax questions and to assist with tax year 2024 return(s) prepared with TurboTax Desktop software. Additional fees apply. Must be purchased and used by October 31, 2025. Excludes TurboTax Desktop Business. See License Agreement for details.

  • Audit Defense: Audit Defense is a third-party add-on service provided, for a fee, by TaxResources, Inc., dba Tax Audit. See Membership Agreements at https://turbotax.intuit.com/corp/softwarelicense/for service terms and conditions.

All features, services, support, prices, offers, terms and conditions are subject to change without notice.

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