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Los seis mejores consejos sobre impuestos para trabajadores independientes de la economía compartida

Written by a TurboTax Expert • Reviewed by Miguel Burgos, CPAUpdated for Tax Year 2024 • November 18, 2024 03:56 AM
OVERVIEW

Nunca fue tan fácil ganar algunos dólares extra: tanto si eres chofer en una empresa de viajes compartidos como Uber, si alquilas una habitación a través de un servicio de alquiler como Airbnb o si trabajas para una empresa como TaskRabbit, que contratan a terceros para pequeños trabajos, mandados y tareas, eres un trabajador independiente de la economía compartida, lo que significa que tienes uno o más microempresas o pequeñas empresas en marcha. Y al igual que tu trabajo de tiempo completo, estas iniciativas muchas veces generan obligaciones tributarias que las personas suelen pasar por alto.

 

Puntos clave

  • Debes reportar todo el ingreso que ganes en la economía compartida, sea de Airbnb, Etsy, TaskRabbit o cualquier otra fuente, incluyendo propinas.
  • Puedes deducir gastos ordinarios y necesarios relacionados a tu negocio en el Anexo C. Si utilizas algo, como tu teléfono celular, para ambos  tu negocio y tu vida personal, solo puedes deducir la porción del gasto relacionada a tu negocio.
  • Dado que eres trabajador por cuenta propia, tienes que pagar tanto la porción del empleador como la del empleado de tus impuestos de Seguro Social y Medicare.
  • Si piensas que vas a deber $1,000 o más en impuestos para el año tributario, puede que tengas que hacer pagos estimados pare evitar una multa por pagos incompletos de impuestos estimados.

Si te pagaron dinero, son ingresos sujetos a impuestos

Muchas personas tratan el dinero que recibieron a través de servicios compartidos como cambio extra en sus bolsillos. Rosely Gradowski, anfitriona de Airbnb en Port Chester, NY, que alquila un apartamento sobre su garaje, compartió sus dudas sobre impuestos.

“Me encanta Airbnb. Casi siempre es como tener invitados en casa. Por lo general, todo el proceso es sencillo, pero, a veces, es difícil saber qué parte de la transacción está asociada a los impuestos. Si me dejaron propina, ¿se considera ingresos? Si les preparé el desayuno, ¿puedo deducir el gasto? Es el primer año que tengo que presentar una declaración de impuestos... espero hacerlo bien”.

Las oportunidades para ganar dinero en la economía compartida muchas veces pueden parecer intercambios entre amigos. Sin embargo, el IRS (Servicio de Impuestos Internos) las trata como transacciones comerciales, por eso, tienes que pagar impuestos sobre el ingreso por el dinero que ganaste, incluso por las propinas.

Lleva registros de tus gastos

Como trabajador independiente de la economía compartida, es tu responsabilidad realizar el seguimiento del dinero que ganas y reportarlo en tu declaración de impuestos. El Formulario 1099-K del IRS reporta los ingresos procesados a través de redes de terceros, como PayPal.

El IRS implementó gradualmente los nuevos requisitos de presentación del Formulario 1099-K por pagos de redes a terceros como Venmo o Paypal. En el 2021, El Congreso cambió el umbral de reporte de $20,000 en pagos y más de 200 transacciones a más de $600 en pagos sin importar la cantidad de transacciones. Pero en vez de utilizar la nueva cantidad límite de $600 inmediatamente, el IRS aplicó los requisitos de presentación previos a los años tributarios 2022 y 2023. Para el año tributario 2024, el IRS planifica utilizar un umbral de $5,000, sin importar la cantidad de transacciones. Por otro lado, algunos estados ya comenzaron a utilizar el umbral de $600 para sus propios requisitos de presentación.

No hay un umbral límite para transacciones de pago con tarjeta como cuando se utilizan tarjetas de crédito.

Así que, bajo los cambios a las reglas propuestos, debes recibir un Formulario 1099-K si ganaste $5,000 por ventas de objetos hechos a mano en Etsy. Independientemente de que se emita una 1099-K o no, eres responsable de reportar esta cantidad al IRS mediante incluirla como ingreso por trabajo por cuenta propia en la sección uno del Anexo C.   

Aprende como llevar registros de tus gastos de negocio

Para asegurarte de que tu trabajo secundario produce ganancias, aprovecha las deducciones por gastos de negocios. Algunos costos de hacer negocios pudieran estar relacionados al uso personal de un activo, haciendo un poco más difícil determinar que parte del gasto puede ser deducida.

Por ejemplo, si eres un trabajador de mantenimiento a tiempo parcial trabajando por tu cuenta para un servicio en línea que no provee un teléfono celular, pudieras utilizar tu teléfono celular personal o tableta para comunicarte con clientes, pero solo durante unas pocas horas del día.

Solo la porción del teléfono celular o acceso al internet que es utilizado para el negocio es un gasto deducible. Tomarse el tiempo de computar el porcentaje correcto utilizado para el negocio y deducir esa cantidad de tus ingresos, en general, reducirá tu factura de impuestos.

Nota de TurboTax:

Algunas compañías de economía compartida facilitan para sus contratistas independientes llevar registro de sus ingresos y algunas deducciones en un panel para usuarios. Verifica si tienes acceso a uno de estos.

 

No reportes los gastos dos veces

Cuando intentes buscar todos los gastos comerciales que puedes deducir de tus ingresos, ten cuidado de no reportar los gastos dos veces, especialmente si realizas más de un trabajo independiente.

Por ejemplo, eres diseñador gráfico freelance y tienes tu oficina en el hogar pero, a la vez, alquilas tu apartamento a través de Airbnb por dos meses en el verano. Durante ese período, el alquiler del apartamento es un gasto deducible para tu operación de Airbnb, pero no para tus actividades como diseñador gráfico.

Lleva tus propios registros

El IRS exige que los propietarios de empresas guarden comprobantes adecuados de sus ingresos y gastos. Algunas empresas de la economía compartida facilitan la tarea de los contratistas independientes y realizan el seguimiento de parte de esta información. Aun así, si ellas no lo hacen, es importante que tú lo hagas. Todavía tienes que reportarlo en la época de impuestos.

Las obligaciones del impuesto sobre el trabajo por cuenta propia no son opcionales

Tal vez no te consideres trabajador por cuenta propia cuando comiences tu trabajo en la economía compartida, pero el IRS sí lo hace. Los trabajadores por cuenta propia se consideran empleadores y empleados para los fines tributarios.

Es una buena idea verificar de antemano si tienes que hacer pagos trimestrales, porque si no lo haces cuando debes, es posible que tengas que pagar multas y sanciones.

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  • 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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