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¿Existe un impuesto sobre dividendos? Guía de impuestos sobre dividendos

Written by a TurboTax Expert • Reviewed by Miguel Burgos, CPAUpdated for Tax Year 2023 • December 28, 2023 6:36 PM
OVERVIEW

¿Existe un impuesto sobre dividendos? No todos los dividendos se tratan de la misma manera a la hora de reportarlos en tu declaración de impuestos. A continuación, incluimos algunos consejos para reportarlos.

 

Una mujer con cabello rizado analiza la información bursátil en la pantalla de su computadora portátil

Puntos clave

  • Tus dividendos “calificados” pueden tributar a un 0 % si tu ingreso tributable está por debajo de $44,625 (si eres soltero o casado que presenta por separado), $59,750 (si eres cabeza de familia), o $89,250 (si eres casado que presenta conjuntamente o viudo que cumple los requisitos) (año tributario 2023).

  • Si tu ingreso supera esos límites, la tasa tributaria de los dividendos calificados es el 15 %.

  • La tasa de los dividendos calificados aumenta a 20 % si tu ingreso tributable excede $276,925 (si eres casado que presenta por separado), $492,300 (si eres soltero), $523,050 (si eres cabeza de familia) o $553,850 (si eres casado que presenta conjuntamente o viudo que cumple con los requisitos) (año tributario 2023).

  • Los dividendos no calificados u “ordinarios” tributan utilizando las escalas tributarias estándares para el año tributario 2023.

Impuestos y dividendos

Las empresas pueden recompensar financieramente a sus inversores mediante el pago de dividendos para accionistas. Según el código de impuestos actual, es posible que ciertos ingresos por dividendos reciban un tratamiento fiscal especial. Posiblemente, esto podría permitirte pagar menos impuesto sobre el ingreso por algunos dividendos.

¿Qué son los dividendos?

Los dividendos son pagos, normalmente ganancias, que hace una empresa a ciertos accionistas. Por lo general, las empresas deben declarar los dividendos antes de pagarlos. Esto suele autorizarlo la junta directiva de la empresa.

Es posible que recibas dividendos si eres propietario de acciones, fondos mutuos o fondos de inversión cotizados (ETF, por sus siglas en inglés) con tenencia de acciones.

¿Qué son los dividendos calificados y no calificados?

Para que los dividendos sean calificados, los debe pagar una sociedad estadounidense o una sociedad extranjera que califique. Además, debes cumplir el requisito del período de conservación.

Este requisito establece que debes conservar la inversión por más de 60 días durante el período de 121 días que comienza 60 días antes de la fecha ex-dividendo. La fecha ex-dividendo es, simplemente, el primer día que sigue a la declaración de un dividendo, también conocida como fecha de registro. Si adquieres un dividendo que genera inversión en la fecha ex-dividendo o con posterioridad a esta, no recibirás el próximo pago de dividendos. El período de conservación no incluye el día en que compras la inversión, pero sí el día en que la vendes.

Ciertos pagos de dividendos no son dividendos calificados, aunque se reporten como tales. Se enumeran en la Publicación 550 del IRS (Servicio de Impuestos Internos), en la sección “Dividendos que no son dividendos calificados”, e incluyen distribuciones por ganancias de capital y dividendos que recibes de una cooperativa agrícola.

Los dividendos ordinarios son el total de todos los dividendos reportados en un Formulario 1099-DIV. Los dividendos calificados son la totalidad o parte de los dividendos totales. Se reportan en el Recuadro 1a del Formulario 1099-DIV.

Si bien suena complicado, tu institución financiera debe aclararte qué dividendos son calificados cuando reportan tus dividendos en el Formulario 1099-DIV. Los dividendos calificados aparecen en el Recuadro 1b.

¿Cómo funcionan los dividendos por intereses sobre bonos estatales o municipales?

Los fondos mutuos y los ETF pueden incluir la tenencia de bonos estatales o municipales. Estos bonos pagan intereses que suelen estar exentos del impuesto federal sobre el ingreso. Por lo general, cuando los fondos mutuos o ETF distribuyen ese interés, lo hacen a través de un dividendo por intereses.

Los dividendos por intereses derivados de bonos estatales o municipales no suelen estar gravados con el impuesto federal sobre el ingreso, salvo que estés sujeto al impuesto mínimo alternativo (AMT, por sus siglas en inglés). Por lo general, estos ingresos se reportan en el Recuadro 12 del Formulario 1099-DIV.

Nota de TurboTax:

Casas de corretaje y otras compañías están obligadas a reportar tus dividendos en el Formulario 1099-DIV en o antes del 1 de febrero. Pagas los impuestos sobre tus dividendos en tu declaración de impuestos, que vencen en la fecha límite de abril.

¿Qué son los dividendos libres de impuestos?

Es posible que tengas algunos dividendos por los cuales termines no pagando el impuesto federal sobre el ingreso. Algunas personas los denominan dividendos libres de impuestos. Esto puede suceder si tus dividendos son calificados y tus ingresos sujetos a impuestos están por debajo de un determinado límite o si son dividendos libres de impuestos pagados por bonos municipales.

¿Cuáles son las tasas de impuesto sobre dividendos en las distintas escalas?

Los dividendos ordinarios se gravan utilizando las escalas de impuestos correspondientes a los ingresos ordinarios del año tributario 2023.

Los impuestos sobre dividendos calificados, por lo general, se calculan según las tasas de impuesto sobre ganancias de capital. En 2023, es posible que los dividendos calificados se graven a una tasa del 0 % si tus ingresos sujetos a impuestos están por debajo de las siguientes cantidades:

  • $44,625 si eres soltero o eres casado y presentas tu declaración por separado.
  • $59,750 si eres jefe de familia.
  • $89,250 si eres casado y presentas tu declaración en conjunto o eres viudo calificado.

La tasa de impuesto sobre dividendos calificados aumenta al 15 % en el caso de ingresos sujetos a impuestos que superan las siguientes cantidades:

  • Desde $44,625 hasta $276,925 si eres casado y presentas tu declaración por separado.
  • Desde $44,625 hasta $492,300 si eres soltero.
  • Desde $59,750 hasta $523,050 si eres jefe de familia.
  • Desde $89,250 hasta $553,850 si eres casado y presentas tu declaración en conjunto o eres viudo calificado.

Los ingresos por dividendos calificados que superan el límite máximo de la escala del 15 % deben pagar una tasa de impuesto del 20 % sobre los ingresos por dividendos calificados restantes. Según tu situación fiscal particular, los dividendos calificados también pueden estar sujetos al impuesto sobre los ingresos netos por inversiones, que es del 3.8 %.

¿Qué es el Formulario 1099-DIV?

El Formulario 1099-DIV, Dividendos y distribuciones, es el formulario que suelen usar las instituciones financieras para reportar información al IRS y a ti sobre dividendos y algunas otras distribuciones que te hayan pagado.

Las instituciones financieras tienen la obligación de completar este formulario si el total anual de dividendos y otras distribuciones supera los $10. Incluye información sobre el pagador de los dividendos, el beneficiario de los dividendos, el tipo de dividendo y la cantidad pagada, y las retenciones hechas en concepto de impuestos federales o estatales sobre el ingreso.

¿Qué es el Anexo B?

El Anexo B, Intereses y dividendos ordinarios, es el que usas para indicar intereses y dividendos ordinarios cuando presentas tu declaración de impuestos al IRS. En lo que respecta a los dividendos, solo tienes que usar este formulario si tus intereses o dividendos ordinarios suman más de $1,500 en un año tributario, o si recibes intereses o dividendos ordinarios como nominado.

Según el IRS, también debes usar este formulario para reportar dividendos si eres firmante autorizado de una cuenta en un país extranjero o si otorgas o transfieres fondos a un fideicomiso extranjero o los recibes de este. Es posible que también tengas que usar el Anexo B en otras situaciones.

¿Qué cambios se aplicaron a los impuestos sobre dividendos en el año tributario 2023?

Los impuestos sobre dividendos no cambiaron en el año tributario 2023 en comparación con los del año tributario 2022, a excepción de los ajustes por inflación.

¿Qué formularios se necesitan para los dividendos?

Los dividendos se reportan en un Formulario 1099-DIV, pero debes incluir todos los dividendos sujetos a impuestos que obtienes, independientemente de si recibes este formulario o no. Para reportar los dividendos en tu declaración de impuestos y pagar los impuestos aplicables, incluye las cantidades correspondientes en el Formulario 1040 y completa los artículos de línea relacionados en el Anexo B, si corresponde. TurboTax puede completar los formularios adecuados por ti. Para eso, te hará preguntas sobre los dividendos que recibes a lo largo del año tributario.

¿Qué fechas de vencimiento de dividendos debo tener en cuenta?

Las agencias de corretaje y otras empresas a las que se les exige reportar los dividendos en un Formulario 1099-DIV deben hacerlo antes del 1 de febrero de 2023. Los impuestos sobre dividendos se pagan junto con tu declaración del impuesto sobre el ingreso, que, por lo general, vence el 15 de abril de 2024 este año.

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  • TurboTax Online Business Products: For TurboTax Live Assisted Business and TurboTax Full Service Business, we currently don’t support the following tax situations: C-Corps (Form 1120-C), Trust/Estates (Form 1041), Multiple state filings, Tax Exempt Entities/Non-Profits, Entities electing to be treated as a C-Corp, Schedule C Sole proprietorship, Payroll, Sales tax, Quarterly filings, and Foreign Income. TurboTax Live Assisted Business is currently available only in AK, AZ, CA, CO, FL, GA, IL, MI, MO, NC, NV, NY, OH, PA, SD, TX, UT, VA, WA, and WY.

  • 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. 

TURBOTAX DESKTOP GUARANTEES

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 2023 TurboTax individual tax return, we will provide one-on-one question-and-answer support with a tax professional, if requested through our Audit Report Center, for audited individual returns filed with TurboTax Desktop for the current 2023 tax year and, for individual, non-business returns, for the past two tax years (2021, 2022). 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, 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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