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Los pros y contras del Crédito Tributario por Gastos de Cuidado de Hijos Menores y Dependientes

Written by a TurboTax Expert • Reviewed by Miguel Burgos, CPAUpdated for Tax Year 2023 • January 5, 2024 01:48 PM
OVERVIEW

Si le pagas a alguien por cuidar de tus hijos o de otra persona de tu familia mientras trabajas, podrías ser elegible para recibir el Crédito Tributario por Gastos de Cuidado de Hijos Menores y Dependientes. Este crédito “devuelve” una porción del dinero que gastas en cuidado y puede reducir tu factura de impuestos por cientos o, incluso, miles de dólares.

Puntos clave

  • Si le pagaste a alguien por cuidar a tu hijo de o menor de 12 años al final del año que reclames como dependiente en tu declaración de impuestos, pudieras calificar para el Crédito por Gastos de Cuidado de Hijos Menores y Dependientes.

  • También pudieras calificar para el crédito si le pagaste a alguien por cuidar a tu cónyuge o cualquier otra persona que reclames como dependiente en tu declaración, si esa persona no se puede cuidar por si misma y ha vivido contigo al menos la mitad del año.

  • Para reclamar el crédito, tú (y tu cónyuge, si eres casado) debe tener ingreso ganado de un trabajo y debes haber pagado por el cuidado a fin de poder trabajar o buscar empleo.  

  • Puedes reclamar desde el 20 % al 30 % de tus gastos por cuidado hasta un máximo de $3,000 por una persona, o $6,000 por dos o más personas (año tributario 2023).

Beneficios del crédito tributario

El Crédito Tributario por Gastos de Cuidado de Hijos Menores y Dependientes es un alivio tributario específicamente para ayudar a los trabajadores a contrarrestar el costo asociado con el cuidado de un hijo o dependiente con discapacidades.

Hay dos beneficios principales del Crédito por Gastos del Cuidado de Hijos y dependientes:

  1. Este es un crédito tributario, no una deducción. Una deducciónsimplemente reduce la cantidad de los ingresos sobre los que tienes que pagar impuestos. Por ejemplo, una deducción de $1,000 podría reducir tu factura de impuestos por $150 o $200, según cuál sea tu escala de impuestos. Sin embargo, un crédito tributario directamente reduce tus impuestos “dólar por dólar”. Un crédito tributario de $1,000 te ahorra $1,000 en tu factura de impuestos.
  2. Muchos alivios tributarios tienen límites de ingresos y no están disponibles para las personas cuyos ingresos superan dichos límites. El Crédito Tributario por Gastos de Cuidado de Hijos Menores y Dependientes se va reduciendo a medida que aumenta el ingreso, pero no desaparece. Excepto en el 2021. En el 2021, el crédito no está disponible para para cualquier contribuyente con un ingreso bruto ajustado superior a $438,000.

Qué cuidado puedes reclamar

Para calificar para el Crédito Tributario por Gastos de Cuidado de Hijos Menores y Dependientes, tienes que haberle pagado a alguien para que cuide de una o más de las siguientes personas:

  • Un niño que, al final del año, tenga 12 años o menos y a quien reclames como dependiente en tu declaración de impuestos
  • Tu cónyuge, si no puede cuidar de sí mismo/a y vivió en tu hogar durante al menos la mitad del año
  • Cualquier otra persona reclamada como dependiente en tu declaración, si no puede cuidar de sí misma y vivió en tu hogar durante al menos la mitad del año

Límites sobre quién puede proporcionar cuidado

Puedes reclamar el crédito por el dinero que pagaste por cuidado, siempre que a quien le pagues no sea una de las siguientes personas:

  • Tu cónyuge
  • Un progenitor del menor al que se cuida; por ejemplo, no podrías reclamar el crédito si le pagas a tu exesposo/a por cuidar de los niños que tienen en común
  • Cualquier persona que se incluya como dependiente en tu declaración de impuestos
  • Tu propio/a hijo/a que tenga 18 años o menos, independientemente de que se incluya como dependiente en tu declaración; por ejemplo, no podrías pagarle a tu hijo/a de 17 años para que cuide de un/a hermano/a de 8 años y, luego, reclamar el crédito

Nota de TurboTax:

Si tu empleador provee una cuenta flexible de gastos o alguna cuenta similar para pagar por el cuidado de tu hijo con dinero antes de imponer los impuestos (pre-tax), tus ahorros tributarios pudieran ser mayores a la cantidad que recibes con el crédito.

Otros requisitos

Hay otros requisitos que debes cumplir para recibir el crédito:

  • Tú (y tu cónyuge, si están casados) tienes que haber “obtenido ingresos”, lo que significa dinero ganado por un trabajo. El ingreso que no sea por trabajo, como ganancias por inversiones, no cuenta.
  • Tienes que haber pagado por el cuidado para poder trabajar o buscar trabajo. Ser un estudiante de tiempo completo o un progenitor que no puede cuidarse por sus propios medios no cuentan como “trabajar” para los fines del crédito.
  • Si estás casado, tienes que presentar una declaración de impuestos conjunta.
  • Tienes que informar el nombre, la dirección y el Número de Identificación del Contribuyente (TIN, por sus siglas en inglés) de la persona que proporcionó el cuidado. El Número de Identificación del Contribuyente es el Número de Seguro Social (SSN, por sus siglas en inglés), el Número de Identificación del empleador (EIN, por sus siglas en inglés) o el Número de Identificación Personal del Contribuyente (ITIN, por sus siglas en inglés). Pídele a tu proveedor de cuidado que te proporcione ese número.

Cálculo del crédito

La cantidad del crédito se basa en cuánto gastas por el cuidado de hijos menores y dependientes y en tu ingreso. TurboTax te guía a través del proceso de calcular tu crédito y completa el formulario correspondiente para ti pero, en general, así es como funciona:

  • Suma la cantidad total de tus gastos de cuidado que califiquen para el crédito.
  • Si tu empleador te da dinero para pagar gastos de cuidado de hijos menores, o si te retienen dinero de tu salario para pagar gastos antes de impuestos, tienes que restar el dinero recibido de tus gastos calificados.
  • Compara los gastos que reclamaste con tu ingreso obtenido y, si estás casado, el ingreso recibido por tu cónyuge. Toma el menor de estos importes. Este corresponde a tus “gastos calificados”.
  • Cuanto mayor sea tu ingreso, menor será el porcentaje y, por lo tanto, menor será tu crédito. No hay un límite máximo sobre el ingreso para reclamar el crédito excepto en el 2021.

Para el año tributario 2023, la cantidad máxima de gastos por cuidado de dependientes que puedes reclamar son $3,000 por una persona, o $6,000 por dos o más personas. El porcentaje de gastos calificados que puedes reclamar varía entre 20 % y 35 %.

Para el 2021, el Plan de Rescate Estadounidense trae cambios significativos a la cantidad y forma que el Crédito por Gastos de Cuidado de Hijos Menores y Dependientes puede ser reclamado. Esta ley aumenta la cantidad gastos elegibles para el crédito, disminuye la reducción del crédito debido a límites de ingreso, y lo hace completamente reembolsable. Esto quiere decir que, contrario a años anteriores, puedes recibir el crédito incluso si no debes impuestos.

Así que para el año tributario 2021 (los impuestos que presentas en el 2022):

  • La cantidad de gastos calificados aumenta de $3,000 a $8,000 por una persona calificada y de $6,000 a $16,000 por dos o más individuos calificados
  • El porcentaje de gastos calificados elegibles para el crédito aumenta de 35 % a 50 %
  • El límite para comenzar a reducir el crédito ha sido aumentado de $15,000 a $125,000 del Ingreso Bruto Ajustado (AGI según sus siglas en inglés).

Además, para el año tributario 2021, la cantidad máxima que se puede contribuir a una cuenta flexible de gastos para cuidado de dependientes y la cantidad libre de impuestos que un empleador puede proveer para el cuidado de dependientes ha aumentado de $5,000 a $10,500.

Consideración de alternativas

Mientras el Crédito por Gastos de Cuidado de Hijos y Dependientes es atractivo, puedes ahorrar más dinero con otras opciones. Por ejemplo, si tu empleador te proporciona una manera de pagar por el cuidado de tus hijos con dólares “antes de impuestos” (es decir, dinero que se resta de tu cheque salarial antes de calcular los impuestos), es posible que la cantidad que ahorres en impuestos sea mayor que el que obtengas con el crédito.

  • Esto podría ser posible mediante una Cuenta de Gastos Flexible o una cuenta similar.
  • Considera verificar con el Departamento de Recursos Humanos de tu empleador para conocer cuáles son tus opciones.

Y mientras lo haces, tómate un tiempo para conocer otros alivios tributarios disponibles para los padres.

Con TurboTax Live Full Service, un experto bilingüe local elegido según tu situación en particular se ocupará de tus impuestos por ti de principio a fin. O bien, obtén ayuda y asesoramiento ilimitados de expertos en impuestos bilingües mientras preparas tu declaración con TurboTax Live Assisted.

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 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, CT, DE, FL, GA, IL, KS, MA, MD, ME, MI, MN, MO, NC, NJ, NV, NY, OH, PA, RI, SD, TN, TX, UT, VA, WA, WV 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 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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