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Cómo estimar la retención federal

Written by a TurboTax Expert • Reviewed by Miguel Burgos, CPAUpdated for Tax Year 2024 • November 13, 2024 02:47 PM
OVERVIEW

Elegir la retención óptima te asegurará que no te retengan demasiados o muy pocos impuestos federales de tu salario o sueldo. Utiliza el formulario W-4 para estimar correctamente la cantidad de impuestos que te deben retener.

 

Puntos clave

  • Es importante ajustar tu retención de impuestos para asegurar que se retenga la cantidad correcta de impuestos federales de tu cheque salarial a fin de que no enfrentes una deuda tributaria demasiado grande o que te retengan demasiado.

  • Puedes ajustar tu retención presentando el Formulario W-4 del IRS, el cual puedes obtener de los departamentos de recursos humanos o nómina de tu empleador, o puedes descargarlo de la página web del IRS. 

  • Para completar el Formulario W-4, necesitarás tu información personal, calcular ajustes por múltiples empleos o un cónyuge que trabaje, reclamar a cualquier dependiente, considerar otros ingresos y deducciones, y firmar y fechar el formulario antes de entregarlo a tu empleador.
  • Si deseas estar exento de retención, porque no adeudaste impuestos federales el año pasado y no esperas adeudar este año, puedes indicarlo en tu Formulario W-4.

Actualiza tu retención de impuestos

Los cambios cotidianos de la vida como el matrimonio, divorcio, tener hijos, recibir un aumento o un bono pueden tener un gran impacto en tus impuestos. Al llenar el Formulario W-4 le dices a tu empleador como calcular la retención de impuestos federales en tus cheques. De esa forma, no terminarás debiendo una gran cantidad de impuestos a pagar o teniendo demasiados impuestos retenidos de tus cheques durante el año.

  • Si ha pasado bastante tiempo desde que llenaste el Formulario W-4, debes saber que este formulario fue completamente rediseñado.
  • La Ley de Empleos y Reducción de Impuestos del 2017 cambió significativamente las leyes de impuestos federales, así que los trabjadores y sus empleadores necesitaban una forma más al día para calcular la cantidad de impuestos federales a retener.

Aquí lo que tienes que hacer para completar el formulario:

Nota de TurboTax:

Grandes eventos en la vida como el matrimonio, divocio, tener un hijo, o recibir un ascenso pueden impactar significativamente tu situación tributaria, necesitando así una revisión y actualización de tu retención.

Consigue una copia del Formulario W-4 del IRS (Servicio de Impuestos Internos según sus siglas en inglés)

Es probable que tu empleador tenga una copia disponible para ti. Si no, siempre puedes navegar en el sitio web del IRS para descargarlo e imprimirlo.

Paso 1 – Llena tu información personal

El primer paso al llenar el Formulario W-4 es relativamente facil de completar. Simplemente provee tu nombre, número de seguro social, y dirección. Esta sección también pregunta por tu estado civil de declaración.

Si estás exento de retención - queriendo decir que no pagaste impuestos sobre los ingresos el año paso y no esperas deber ninguno este año - puedes escoger que no te retengan impuestos de tus ingresos. Si ese es el caso, solo pasa directamente al Paso 4 más abajo. De lo contrario, continúa con el Paso 2.

Paso 2 – Incluye en tus cálculos tus múltiples trabajos y el ingreso de tu cónyuge

Puede que necesites ayuda determinando como calcular la retención de impuestos federales de tu cheque si:

  • tienes más de un trabajo, o
  • estás casado y tu cónyuge también trabaja.

La forma más sencilla de hacer eso es utilizando la Calculadora de Retención de W-4 de TurboTax.  Esta te guiará a través de una serie de preguntas sobre tus ingresos, deducciones, y créditos, y te provee instrucciones para completar los Pasos 3 y 4 en el formulario.

Solo recuerda, tienes que llenar el Formulario W-4 para cada empleador que trabajes, pero debes completar los Pasos 2 al 4 solo en el trabajo donde tengas más ingresos. Para los otros trabajos puedes dejar esos pasos en blanco.

Paso 3 –Reclama tus dependientes

Si reclamas algún dependiente  en tu declaración de impuestos, utiliza los resultados de la Calculadora de Retención de W-4 para completar esta sección.

De lo contrario, continúa al Paso 4.

Paso 4: Toma en cuenta otros ajustes

En esta sección se incluyen otros ingresos, deducciones, y ajustes a tu retención.  Utiliza el resultado de la Calculadora de Retención de W-4 para completar esta sección.

Nota: Si determinaste que estás exento de retención en el Paso 2, simplemente escribe "Exempt" en el espacio bajo el encasillado 4(c) and continúa al Paso 5.

Paso 5: Firma

La sección final del Formulario W-4 requiere que firmes y pongas la fecha de la firma en el formulario. Luego, simplemente devuelve el formulario a tu departamento de nómina.

Si has estado en tu trabajo bastante tiempo, tu empleador ya debe tener una W-4 ya archivada. No necesitas llenar una W-4 nueva si estás contento con tu retención. Sin embargo, si cambias de trabajos, necesitarás completar un Formulario W-4 revisado.  También puedes llenar uno cada vez que quieras ajustar tu retención.

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.

Y, si quieres preparar y presentar los impuestos por ti mismo, puedes tener la certeza de que lo harás bien con TurboTax en español , ya que te guiaremos paso a paso. Independientemente de la forma en que realices la presentación, garantizamos un 100 % de precisión y el máximo reembolso correspondiente.

Tus impuestos bien hechos, con expertos bilingües a tu lado

Obtén asesoramiento ilimitado, una revisión final por parte de un experto bilingüe y tu máximo reembolso, garantizado con TurboTax Live Assisted Basic. Ahora disponible en español.

$89*
Los impuestos estatales son adicionales.
Comienza gratis

Presentación de impuestos 100 % gratis

Responde preguntas sencillas y TurboTax Free Edition se ocupará del resto. Ahora disponible en español.

Presentación gratuita de declaraciones simples con el Formulario 1040 (sin anexos, excepto para el Crédito Tributario por Ingreso del Trabajo, el Crédito Tributario por Hijos y los intereses de préstamos estudiantiles). El 37 % de los contribuyentes califica.

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  • 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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