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TurboTax / Tax Calculators & Tips / Tax Tips Guides & Videos / En Español / ¿Cuál es la diferencia entre AGI (Ingreso Bruto Ajustado) y MAGI (Ingreso Bruto Ajustado Modificado) en tu declaración de impuestos?

¿Cuál es la diferencia entre AGI (Ingreso Bruto Ajustado) y MAGI (Ingreso Bruto Ajustado Modificado) en tu declaración de impuestos?

Written by a TurboTax Expert • Reviewed by Miguel Burgos, CPAUpdated for Tax Year 2023 • August 23, 2024 01:50 PM
OVERVIEW

Tu Ingreso Bruto Ajustado, o AGI, es un elemento importante en tus impuestos, ya que afecta tu elegibilidad para ciertos beneficios tributarios. Lo mismo ocurre con tu Ingreso Bruto Ajustado Modificado o MAGI.

 

Puntos clave

  • Tu AGI (Ingreso Bruto Ajustado) es el ingreso que traes, menos ciertos ajustes, incluyendo contribuciones a cuentas IRA planes de retiro para trabajadores por cuenta propia, pensión para el cónyuge divorciados (para sentencias de divorcios previas al 2019), y la mitad de los impuestos de trabajadores por cuenta propia pagados.

  • Tu MAGI (Ingreso Bruto Ajustado Modificado) es tu AGI más ciertas deducciones que se añaden de vuelta. Estas deducciones incluyen contribuciones a cuentas IRA, intereses de prestamos estudiantiles, la mitad de los impuestos por trabajo por cuenta propia, gastos calificados de matrícula, y más.

  • Tu AGI afecta tu elegibilidad para varios créditos tributarios, incluyendo el Crédito Tributario por Hijos, Crédito por Gastos de Cuidado de Hijos Menores, créditos para los mayores o permanentemente incapacitados y el Crédito Tributario por Ingreso del Trabajo.

  • Tu MAGI es utilizado como base para determinar si calificas o no para ciertas deducciones, incluyendo si tus contribuciones a un plan de retiro individual son deducibles o no.

¿Cuál es la diferencia entre AGI y MAGI?

Normalmente, tu MAGI (Ingreso Bruto Ajustado Modificado) y tu AGI (Ingreso Bruto Ajustado) tienen valores similares entre sí. Sin embargo, los pequeños ajustes que convierten tu AGI en tu MAGI podrían ser importantes si se tiene en cuenta tu declaración de impuestos en general.

¿Pagas impuestos sobre tu AGI o MAGI?

Ni el AGI o MAGI necesariamente representan tu ingreso tributable total. A fin de conseguir tu ingreso tributable federal, tendrás que restar ya sea la deducción estándar o todas tus deducciones detalladas de tu AGI. Además, si vives en un estado que tiene impuestos sobre los ingresos, muchos estados utilizarán tu AGI como punto de partida para determinar tu ingreso tributable estatal.

¿Cómo calculas el AGI?

Tu Ingreso Bruto Ajustado son todos los ingresos que recibes menos los ajustes. Puedes encontrar las reducciones permitidas en tus ingresos en la página frontal de tu Formulario 1040.

Entre los ajustes más comunes, se encuentran los siguientes:

  • contribuciones a cuentas IRA y planes de jubilación para trabajadores por cuenta propia
  • pagos de pensión al cónyuge (para acuerdos de divorcio anteriores a 2019)
  • pagos de seguro médico para trabajadores por cuenta propia
  • la mitad de los impuestos pagados sobre el trabajo por cuenta propia

Entre otros ajustes que se usan para calcular el AGI, se incluyen los siguientes:

    • deducciones de cuentas de ahorros para gastos médicos
    • multas por retiro prematuro de ahorros
    • gastos de educador
    • intereses pagados sobre préstamos estudiantiles
    • gastos de mudanza (para los años tributarios anteriores a 2018)
    • matrícula y cuotas escolares
    • deducciones por actividades de producción nacionales (para los años tributarios anteriores a 2018)
    • ciertos gastos comerciales de artistas de actuación, reservistas y funcionarios públicos que trabajan por honorarios

Nota de TurboTax:

Muchas deducciones (incluyendo tus deducciones detalladas totales, primas de seguro hipotecario, donaciones caritativas), se reduce o desaparecen si tu AGI supera ciertos límites.  

¿Cómo afecta el AGI tus impuestos?

La cantidad de tu AGI afecta tu elegibilidad para numerosos créditos tributarios, por ejemplo:

      • el Crédito por Gastos de Cuidado de Hijos menores y Dependientes
      • créditos para ancianos o personas discapacitadas
      • el Crédito Tributario por Adopción
      • el Crédito Tributario por Hijos
      • el Crédito Tributario de la Oportunidad Estadounidense  y el Crédito Perpetuo por Aprendizaje
      • el Crédito Tributario por Ingreso del Trabajo

Muchas deducciones se eliminan gradualmente o desaparecen por completo si tienes un AGI que supera ciertos límites. Las deducciones que afecta tu AGI incluyen las siguientes:

      • deducciones detalladas totales
      • deducciones detalladas misceláneas  (para los años tributarios anteriores a 2018)
      • primas de seguros hipotecarios
      • donaciones caritativas
      • asignación por deducción de gastos médicos

¿Cómo calculas el MAGI?

Para calcular tu Ingreso Bruto Ajustado Modificado, "agrega" a tu AGI ciertas deducciones. Muchas de esas deducciones pueden ser poco comunes, de modo que es posible que tu AGI y tu MAGI sean idénticos. Los diferentes créditos y deducciones pueden implicar que se agreguen importes para el cálculo de tu MAGI. De acuerdo con el IRS, tu MAGI es tu AGI más las deducciones que correspondan, que posiblemente incluyan las siguientes:

      • intereses pagados sobre préstamos estudiantiles
      • la mitad del impuesto sobre el trabajo por cuenta propia
      • gastos de matrícula calificados
      • deducción de matrícula y cuotas escolares
      • pérdidas o ingresos de actividades pasivas
      • contribuciones a cuentas IRA
      • pagos de Seguro Social no tributables
      • la exclusión de ingresos de bonos de ahorro del Tesoro de los Estados Unidos
      • la exclusión de ingresos ganados en el extranjero
      • la exclusión o deducción de vivienda en el extranjero
      • la exclusión de la sección 137 por gastos de adopción
      • pérdidas de alquileres
      • toda pérdida general de una sociedad colectiva que cotice en bolsa

¿Cómo afecta el MAGI tus impuestos?

Tu MAGI se usa como base a fin de determinar si calificas para ciertas deducciones. Uno de los aspectos más notables es determinar si tus contribuciones a un plan de jubilación individual son deducibles o no.

Por ejemplo: para 2023, si eras un contribuyente soltero cubierto por un plan de jubilación en el trabajo, no podías tomar una deducción sobre una cuenta IRA si tu MAGI era de $83,000 o más. Además, en 2023, no podías tomar una deducción por intereses pagados sobre préstamos estudiantiles si tenías un MAGI de $90,000 o más (presentando la declaración como contribuyente soltero) o de $185,000 (presentando la declaración como casado y de manera conjunta).

¿Cómo puedes reducir tu AGI (y MAGI)?

El IRS utiliza tu AGI y MAGI para determinar si calificas o no para ciertos créditos y deducciones tributarias. Si tu AGI (o MAGI) está por debajo de cierta cantidad, pudieras calificar para más deducciones tributarias. Por lo tanto, tal vez te preguntes como puedes reducir tu AGI a fin de capitalizar en algunas deducciones para cosas como contribuciones a cuentas IRA o intereses sobre préstamos estudiantiles.

En teoría, la forma de reducir tu AGI es generar menos ingreso. Pero esa no es una solución realista, dado que el intercambio entre ganar menos ingresos, y la cantidad que te ahorrarías en impuestos con ciertas deducciones, usualmente no serian beneficioso para tu cuenta bancaria.

Hay otros pasos que puedes dar para reducir tu AGI, como lo son:

  • Aumenta tus contribuciones a tu 401(k)
  • Aumenta tus contribuciones a tu Cuenta de Ahorro para la Salud (HSA)
  • Has contribuciones deducibles a tu IRA

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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.

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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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