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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.

 

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.

Impuestos sobre inversiones y trabajo por cuenta propia bien hechos

 Un experto bilingüe especializado que se ajuste a tu situación particular preparará tu declaración de impuestos de manera 100 % correcta, garantizado con TurboTax Live Full Service. Tu experto buscará todas las deducciones de impuestos que mereces y presentará la declaración por ti hoy mismo.*

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Impuestos bien hechos para inversionistas y trabajadores por cuenta propia

TurboTax Premium descubre deducciones específicas de la industria para obtener más beneficios tributarios. Prepara tus impuestos con el 100 % de precisión, garantizado. Ahora disponible en español.

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  • 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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