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¿Cuándo clasifica el IRS tu negocio como pasatiempo?

Written by a TurboTax Expert • Reviewed by Miguel Burgos, CPAUpdated for Tax Year 2023 • December 21, 2023 7:51 PM
OVERVIEW

Si tu negocio reclama una pérdida neta durante demasiados años o no cumple con otros requisitos, el IRS (Servicio de Impuestos Internos) podría clasificarlo como pasatiempo, lo que impediría que reclames una pérdida relacionada con el negocio. Si el IRS clasifica tu negocio como pasatiempo, tendrás que probar que tenías una motivación de beneficio económico válida si quieres reclamar esas deducciones.

 

Puntos clave

  • Si tu negocio reclama una perdida neta durante demasiados años, o falla en cumplir otros requisitos, el IRS pudiera clasificarlo como un pasatiempo.

  • Si el IRS clasifica tu negocio como un pasatiempo, no te permitirá deducir gastos o reclamar una perdida por este en tu declaración de impuestos.

  • Comenzando en el 2018 y hasta 2025, las deducciones detalladas misceláneas ya no son deducibles, y por esa razón ningún gasto relacionado a un pasatiempo podrá reducir tu ingreso.

  • Si el IRS clasifica tu negocio como un pasatiempo, tendrás que probar que tienes un motivo de ganancia válido.

¿Negocio o pasatiempo?

El Servicio de Impuestos Internos suele permitirte que tomes una deducción por las pérdidas incurridas al operar tu negocio. Sin embargo, si tu negocio reclama una pérdida neta durante demasiados años o no cumple con otros requisitos, el IRS podría clasificarlo como pasatiempo, lo que impediría que reclames una pérdida relacionada con el negocio o incluso que reclames gastos por el pasatiempo debido a la suspensión de las deducciones detalladas misceláneas para los años tributarios 2018 a 2025. Si el IRS clasifica tu negocio como pasatiempo, tendrás que probar que tenías una motivación de beneficio económico válida si quieres reclamar esas deducciones.

Obtención de ganancias

El IRS espera que, si comienzas un negocio, tengas la intención de ganar dinero con él. Si no lo haces, tu negocio podría ser un pasatiempo. Para determinar si tu negocio es un pasatiempo, el IRS analiza diversos factores, que incluyen lo siguiente:

  • ¿Inviertes el tiempo y esfuerzo necesarios para obtener ganancias?
  • ¿Has obtenido ganancias de esta actividad en el pasado o puedes esperar hacerlo en el futuro?
  • ¿Cuentas con los conocimientos necesarios para tener éxito en ese campo?
  • ¿Dependes de los ingresos obtenidos de esa actividad?
  • ¿Tus pérdidas están fuera de tu control?

Estas son solo algunas consideraciones que podrían aplicarse o no para determinar si tienes un negocio o un pasatiempo ante los ojos del IRS.

Criterio  práctico para la clasificación de los negocios

El IRS tiene una regla de puerto seguro; por lo general, si has obtenido ganancias en al menos tres de cinco años consecutivos, el IRS asumirá que llevas adelante el negocio con esa intención. En el caso específico de entrenamiento, cría o carreras de caballos, esto podría extenderse a la obtención de ganancias en dos de los últimos siete años. Posiblemente, esto se deba a que esas actividades implican un alto porcentaje de riesgo.

Nota de TurboTax:

Si has reportado ganancias en al menos tres de los últimos cinco años, generalmente el IRS va a presumir que haces negocios con fines de lucro. Esto puede ser extendido a una ganancia en dos de los últimos siete años en el caso específico del entrenamiento, cría o carreras de caballos.

Consecuencias de la clasificación como pasatiempo

Por lo general, si el IRS clasifica tu negocio como pasatiempo, no te permitirá deducir ningún gasto ni reclamar ninguna pérdida por él en tu declaración de impuestos.

Si tienes un gasto que genera una pérdida para tu pasatiempo y que de otro modo podrías reclamar como gasto personal deducible, como la deducción de créditos hipotecarios, puedes reclamar esos gastos en su totalidad.

Para los años tributarios anteriores a 2018, otros gastos tales como publicidad, salarios, primas de seguros, depreciación o amortización también podrían usarse a fin de reclamar una deducción detallada miscelánea sujeta al 2 % de tu Ingreso Bruto Ajustado. Sin embargo, debes haber obtenido más ingresos totales de tu pasatiempo que la cantidad de todas esas deducciones, inclusive tus deducciones personales. En ese caso, es probable que, de todos modos, el IRS clasifique tu pasatiempo como negocio.

A partir de 2018 hasta 2025, las deducciones detalladas misceláneas ya no son deducibles y, por lo tanto, ningún gasto de pasatiempo puede reducir los ingresos por pasatiempo.

Cómo evitar que clasifiquen tu negocio como pasatiempo

Es muy posible que operar  un pasatiempo como si fuese un negocio provoque  una auditoría del IRS. Si tu negocio es legítimo, llevar registros precisos y completos podría ayudar a evitar que clasifiquen tu negocio como pasatiempo.

Además de demostrar tu enfoque profesional sobre tu negocio, los registros y recibos pueden ayudar a documentar tu motivación de beneficio económico. Un plan comercial escrito suele ser un requisito previo para indicar la intención de obtener ganancias y también puede mostrar de qué maneras haces cambios en tu negocio para lidiar con las pérdidas.

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  • 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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