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El impuesto sobre el trabajo por cuenta propia

Written by a TurboTax Expert • Reviewed by Miguel Burgos, CPAUpdated for Tax Year 2023 • December 28, 2023 5:39 PM
OVERVIEW

¿Iniciaste tu propio negocio, eres un trabajador freelance o trabajas como contratista independiente? Prepárate para pagar el impuesto sobre el trabajo por cuenta propia, un impuesto que jamás tuviste que pagar como empleado. El impuesto sobre el trabajo por cuenta propia (oficialmente conocido como impuesto SECA, por sus siglas en inglés) es la versión para trabajadores por cuenta propia del impuesto que pagan los empleadores y los empleados por el Seguro Social y Medicare, y se aplica sobre las ganancias netas obtenidas del trabajo por cuenta propia.

 

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Puntos clave

  • Si eres trabajador por cuenta propia, eres responsable de pagar las porciones del del empleador y el empleado de tus impuestos de Seguro Social y Medicare (un total de 15.3 % sobre el 92.35 % de tus ingresos netos de trabajo por cuenta propia).
  • Utiliza el Anexo SE para calcular tus impuestos de trabajador por cuenta propia. Reporta la cantidad de impuestos de tu Anexo SE en la sección de “Otros Impuestos” de tu Formulario 1040.
  • Cuando calcules tus ingresos como trabajador por cuenta propia, se te permite deducir la mitad de tu impuesto de trabajador por cuenta propia de tu ingreso antes de aplicar las tasas tributarias. 
  • Si debes $1,000 o más en impuestos federales para el año tributario, puede que tengas que hacer pagos estimados de impuestos trimestrales utilizando el Formulario 1040-ES.

¿Tengo que pagar el impuesto sobre el trabajo por cuenta propia?

Iniciaste un negocio o decidiste ser trabajador freelance para liberarte de la rutina diaria de ese viejo empleo. Pero nada te libera del pago de impuestos. De hecho, deberás impuestos que jamás tuviste que pagar como empleado si generaste $400 o más en ingreso neto de trabajo por cuenta propia. El impuesto sobre el trabajo por cuenta propia (oficialmente conocido como impuesto SECA, por sus siglas en inglés) es la versión para trabajadores por cuenta propia del impuesto en virtud de la Ley de la Contribución Federal al Seguro Social (FICA, por sus siglas en inglés) que pagan los empleadores y los empleados para el Seguro Social y Medicare, y se aplica sobre el 92.35 % de las ganancias netas obtenidas del trabajo por cuenta propia.

¿Qué es el impuesto sobre el trabajo por cuenta propia?

A fin de año, muchos de los nuevos trabajadores por cuenta propia (propietarios únicos, contratistas independientes y otros similares) se sorprenden con los impuestos que tienen que pagar porque se dan cuenta de que, de repente, pagan más como trabajadores independientes que como empleados. Esto se debe a que son ellos quienes tienen que pagar el Seguro Social y Medicare en su totalidad.

Cuando eres empleado, compartes ese costo con tu empleador, ya que cada uno paga una parte del impuesto FICA. Cuando eres trabajador por cuenta propia, te corresponde a ti pagarlo completo.

El impuesto se divide en dos partes:

  • El 12.4 % para el Seguro Social. En 2023, esta parte del impuesto se aplica a los primeros $160,200 de ganancias. Si ganas más que eso (del trabajo por cuenta propia o, si también tienes otro empleo, de la combinación de tu empleo y tu negocio), dejas de pagar por el resto del año el 12.4 % que es la parte del impuesto que corresponde al Seguro Social.
  • El 2.9 % para Medicare. La parte del impuesto que corresponde a Medicare no se deja de pagar. Independientemente de cuánto ganes, pagarás el impuesto del 2.9 % correspondiente a Medicare. Para obtener más información sobre este impuesto, consulta el Tema 554, Impuesto sobre el trabajo por cuenta propia del IRS.

¿Cómo reporto el impuesto sobre el trabajo por cuenta propia?

Claro que un nuevo impuesto significa, también, nuevos documentos. Cuando inicias una pequeña empresa sin constituir o formar una sociedad colectiva, reportas los resultados de las operaciones en el Anexo C, que se envía junto con el Formulario 1040.

El impuesto sobre el trabajo por cuenta propia se calcula en el Anexo SE y esa cantidad se reporta en la sección "Otros impuestos" del Formulario 1040. De esta forma, el IRS (Servicio de Impuestos Internos) diferencia el impuesto sobre el trabajo por cuenta propia de los impuestos sobre los ingresos.

Nota de TurboTax:

 Puedes deducir el 50 % de lo que pagues en impuestos de trabajo por cuenta propia como una deducción de impuestos en tu Formulario 1040. Esta deducción está disponible independientemente de que detalles tus deducciones o no.

Buenas noticias

Al calcular el impuesto sobre el trabajo por cuenta propia que debes, le restas a los ingresos por cuenta propia la mitad del impuesto sobre el trabajo por cuenta propia antes de aplicar la tasa de impuesto. Digamos, por ejemplo, que tus ingresos netos por cuenta propia son de $50,000. Esa es la cantidad que reportas como tributable para los fines de los impuestos sobre ingresos en el Formulario 1040.

Sin embargo, cuando calculas el impuesto sobre el trabajo por cuenta propia en el Anexo SE (Cálculo del impuesto sobre el trabajo por cuenta propia para el Seguro Social), la cantidad tributable es de $46,175. En este ejemplo, al no pagar el impuesto del 15.3 % sobre la diferencia de $3,825, te ahorras $585.

Más buenas noticias

Puedes reclamar el 50 % de lo que pagas por el impuesto sobre el trabajo por cuenta propia como deducción de impuestos sobre ingresos. Por ejemplo, si pagas $1,000 de impuesto sobre el trabajo por cuenta propia, tus ingresos tributables serán $500 menos. En la categoría tributaria del 25 %, esto te permite ahorrar $125 en impuestos sobre ingresos. Esta deducción es un ajuste a los ingresos que reportaste en el Formulario 1040 y está disponible independientemente de si detallas tus deducciones o no.

Un ejemplo

  • Tienes una empresa de catering como propietario único.
  • En 2023, según lo reportado en el Anexo C, tus ganancias netas son de $35,000.
  • Según el cálculo del Formulario SE, tus ganancias netas serían de $32,323 ($35,000 x 0.9235).
  • El impuesto sobre el trabajo por cuenta propia sería de $4,945 (32,323 x 0.153), y reportarías esa cantidad en la sección "Otros impuestos" del Formulario 1040.

Luego, reportarías la mitad del impuesto sobre el trabajo por cuenta propia, $2,473 ($4,945 X 0.50), en el Formulario 1040 como ajuste a los ingresos, lo que reduce tu ingreso bruto ajustado y la cantidad de impuestos sobre ingresos que debes.

¿Debo pagar impuestos estimados?

Si trabajaste como empleado, sabes que lo que recibes en el cheque de nómina, por lo general, es menos de lo que realmente ganaste. ¿Por qué? Porque tu empleador te retuvo dinero para el Seguro Social, Medicare e impuestos sobre ingresos, y se lo envió al Gobierno.

Cuando eres trabajador por cuenta propia, eres tú quien paga los impuestos del empleo en su totalidad, y el pago anticipado de tu deuda estimada por impuestos sobre ingresos depende de ti. El Gobierno quiere que hagas pagos de impuestos estimados en parcialidades trimestrales durante todo el año. Si no lo haces, es posible que se te apliquen multas por pagar de menos.

Con TurboTax Live Full Service, un experto bilingüe local elegido para tu situación particular hará que tus impuestos estén 100 % correctos. Tu experto descubrirá deducciones específicas de la industria para obtener más beneficios tributarios y presentará tu declaración de impuestos por ti. Respaldado por nuestra Garantía de Full Service.

También puedes presentar tus impuestos por tu cuenta con TurboTax en español Premium. Buscaremos entre más de 500 deducciones y créditos para que no te pierdas nada.

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Impuestos sobre inversiones y trabajo por cuenta propia preparados correctamente

 Con TurboTax Live Full Service, un experto bilingüe local elegido para tu situación particular se ocupará de que tu declaración de impuestos esté 100 % correcta, garantizado. Tu experto bilingüe detectará cada deducción de impuestos que te mereces y presentará tu declaración hoy mismo.*

Impuestos preparados correctamente para inversionistas y trabajadores por cuenta propia

TurboTax Premium busca entre 500 deducciones de impuestos para que obtengas cada dólar que te mereces. Tu declaración de impuestos estará 100 % correcta, garantizado. Ahora disponible en español.

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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  • Satisfaction Guarantee/ 60-Day Money Back Guarantee: If you're not completely satisfied with TurboTax Desktop, 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.

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, 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.

TURBOTAX DESKTOP

  • 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 may 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 connectivity.

  • Fastest Refund Possible: Fastest federal tax refund with e-file and 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: Sum of $3140 is the average refund American taxpayers received based upon IRS data date ending 02/17/23 and may not reflect actual refund amount received.

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

  • #1 Best Selling Tax Software: Based on aggregated sales data for all tax year 2022 TurboTax products.

  • Deduct From Your Federal or State Refund (if applicable): A $40 Refund Processing Service fee may apply 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 (2021 and higher) and QuickBooks Desktop (2021 and higher); both Windows only. Quicken import not available for TurboTax Desktop Business. Quicken products provided by Quicken Inc., Quicken import subject to change.

  • 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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