1. TurboTax /
  2. Tax Calculators & Tips /
  3. Tax Tips Guides & Videos /
  4. En Español /
  5. Cómo iniciar una planificación fiscal

Cómo iniciar una planificación fiscal

Updated for Tax Year 2017


OVERVIEW

Una pequeña planificación fiscal puede ser una gran ayuda al momento de presentar los impuestos cada año.


Si quieres pagar la menor cantidad de impuesto sobre la renta cada año, entonces puede ser útil comenzar a hacer alguna planificación fiscal. No te preocupes, no necesitas ser contador para tomar algunas decisiones impositivas inteligentes. Un poco de planificación lleva un largo camino.

como iniciar planificacion fiscal

Paso 1: Comenzar un sistema de archivo

Comienza un sistema de archivo para organizar tus documentos. Cualquier estrategia de planificación impositiva exitosa requiere que mantengas registros de todas las transacciones y recibos que pueden afectar tu declaración de impuestos. Esto ayuda a tener un registro de la documentación importante y evita olvidar transacciones que hayan ocurrido en meses anteriores al plazo de la presentación de impuestos.

Paso 2: Entender los requisitos de deducciones de impuestos

Antes de llegar demasiado lejos en el año fiscal, deberás evaluar todas las deducciones disponibles por el IRS y los requisitos para solicitarlos. Al hacer esto de antemano, puedes ser proactivo en preparar la solicitud de una deducción al final del año.

Por ejemplo, si sabes que estás por volver pronto a la escuela y necesitas un préstamo para pagar tu matrícula, quizás es mejor conseguir un préstamo estudiantil en lugar de utilizar una tarjeta de crédito. Esto es así porque puedes deducir el interés que genera un préstamo estudiantil, pero no sobre una tarjeta de crédito, incluso aunque la utilices para propósitos estudiantiles.

Paso 3: Evalúa los créditos fiscales ofrecidos

Los créditos fiscales ofrecen una oportunidad significativa para ahorrar dinero en impuestos sobre la renta ya que reducen tu adeudo fiscal actual en una base de dólar por dólar. Este tipo de créditos fiscales ofrecidos cada año cambia más frecuentemente que las deducciones. Los créditos a menudo están disponibles por un tiempo limitado y cubren tipos específicos de gastos.

Por ejemplo, el gobierno federal ofrece al contribuyente un crédito que cubre el 30 por ciento de una cantidad ilimitada de los costos para comprar e instalar un equipo de energía solar como paneles solares para la producción de energía. Siempre que el producto incluya una certificación por el fabricante que indique que cumple con los requisitos del gobierno, tú puedes solicitar el crédito.

Por lo tanto, si este año estás planeando instalar paneles solares en tu techo, pero no conoces esta posibilidad de crédito, podrías perder una gran oportunidad para ahorrar dinero. Y si te enteras del crédito después de instalar los paneles, corres el riesgo de no ser elegible para el crédito si los paneles no incluyen la certificación del fabricante. Al conocer los requisitos antes de comprar los paneles, te puedes asegurar que eres elegible para el crédito.

Paso 4: Usa un IRA

Usa una Cuenta Individual de Jubilación (IRA – Individual Retirement Account) en lugar de una cuenta de ahorros. Muchos contribuyentes colocan sus ahorros en una cuenta de banco típica que gana un interés sujeto a impuestos. Sin embargo, puedes evitar pagar impuestos sobre tu interés en cada año depositando el dinero en una cuenta IRA, donde el interés se acumulará y será libre de impuestos. Cuando lo haces, también eres elegible para solicitar una deducción en cada año por una cierta cantidad de contribuciones que haces a la cuenta.

Get every deduction you deserve

TurboTax Deluxe searches more than 350 tax deductions and credits so you get your maximum refund, guaranteed.

For only $59.99$39.99*
Start for Free

Looking for more information?

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.


Security is built into everything we do
Here's how
* Important Offer Details and Disclosures
  • TURBOTAX ONLINE/MOBILE

  • Try for Free/Pay When You File: TurboTax online and mobile pricing is based on your tax situation and varies by product. Absolute Zero $0 federal (forms 1040EZ/1040A) + $0 state limited time offer only available with TurboTax Free Edition; offer may change or end at any time without notice. Actual prices are determined at the time of print or e-file and are subject to change without notice. Savings and price comparisons based on anticipated price increase. Special discount offers may not be valid for mobile in-app purchases.
  • QuickBooks Self-Employed Offer with TurboTax Self-Employed: To receive your complimentary subscription to QuickBooks Self-Employed through 4/30/19, you must pay for your 2017 TurboTax Self-Employed return by 4/17/18 and sign-in and access your QuickBooks Self-Employed account via mobile app or at https://selfemployed.intuit.com/turbotax at least twice by 7/15/18. You will have the option of renewing your QuickBooks Self-Employed subscription by 4/30/19 for another year at the then-current subscription rate. You may cancel your subscription at any time from within the QuickBooks Self-Employed billing section. See QuickBooks.com for price comparison. Offer not valid for existing QuickBooks Self-Employed subscribers already on a payment plan.
  • Pays for itself (TurboTax Self-Employed): Estimates based on deductible business expenses calculated at the self-employment tax income rate (15%) for tax year 2017. Actual results will vary based on your tax situation.
  • Anytime, anywhere: Internet access required; standard data rates apply to download and use mobile app.
  • Fastest refund possible: Fastest tax refund with e-file and direct deposit; tax refund time frames will vary.
  • Pay for TurboTax out of your federal refund: A $X.XX Refund Processing Service fee applies to this payment method. Prices are subject to change without notice.
  • TurboTax Help and Support: Access to a TurboTax specialist is included with TurboTax Deluxe, Premier, Self-Employed and TurboTax Live; 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. SmartLook on-screen help is available on a PC, laptop or the TurboTax mobile app. Service, area of expertise, experience levels, wait times, hours of operation and availability vary, and are subject to restriction and change without notice.
  • 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 or as an upgrade from another version, and available through October 15, 2018. These services are provided only by credentialed CPAs, EAs or tax attorneys. State tax advice is free. 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. In the event your return is reviewed by a tax expert and requires a significant level of tax advice or actual preparation, the tax expert may be required to sign your return as the preparer at which point they will assume primary responsibility for the preparation of your return. Expert Review [and TurboTax Live] not available on the TurboTax mobile app or when using a web browser on your mobile phone. On-screen help is available on a PC, laptop or the TurboTax mobile app. Service, area of expertise, experience levels, wait times, hours of operation and availability vary, and are subject to restriction and change without notice.
  • Tax Return Access and My Docs features: Included with TurboTax Deluxe, Premier, Self-Employed, TurboTax Live or with PLUS benefits. Access to all tax-related documents we have on file for you is available through 10/31/2019. Terms and conditions may vary and are subject to change without notice.
  • #1 best-selling tax software: Based on aggregated sales data for all tax year 2016 TurboTax products.
  • Most Popular: TurboTax Deluxe is our most popular product among TurboTax Online users with more complex tax situations.
  • CompleteCheck: Covered under the TurboTax accurate calculations and maximum refund guarantees.
  • #1 rated online tax prep provider: Based on independent comparison of the best online tax software by TopTenReviews.com March 13, 2017.
  • Get tips based on your tax and credit data to help get you to where you want to be: Tax and credit data accessed upon your consent.
  • TURBOTAX CD/DOWNLOAD SOFTWARE

  • TurboTax CD/Download 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 do not apply to New York state returns. Savings and price comparison based on anticipated price increase. Prices subject to change without notice.
  • Fastest refund possible: Fastest tax refund with e-file and direct deposit; tax refund time frames will vary.
  • Pay for TurboTax out of your federal refund: A $X.XX Refund Processing Service fee applies to this payment method. Prices are subject to change without notice. This benefit is available with TurboTax Federal products except TurboTax Business.
  • About our TurboTax Product Experts: Customer service and product support vary by time of year.
  • About our credentialed tax experts: Live tax advice via phone is included with Premier and Home & Business; fees apply for Basic and Deluxe customers. State tax advice is free. Service, experience levels, hours of operation and availability vary, and are subject to restriction and change without notice. Not available for TurboTax Business customers.
  • #1 best-selling tax software: Based on aggregated sales data for all tax year 2016 TurboTax products.
  • Data Import: Imports financial data from participating companies; may require a free Intuit online account. Quicken and QuickBooks import not available with TurboTax installed on a Mac. Imports from Quicken (2016 and higher) and QuickBooks Desktop (2012 and higher); both Windows only. Quicken import not available for TurboTax Business. Quicken products provided by Quicken Inc., Quicken import subject to change.