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Principales deducciones de impuestos para trabajadores por cuenta propia

Written by a TurboTax Expert • Reviewed by Miguel Burgos, CPA

Updated for Tax Year 2022 • June 14, 2023 12:59 PM
OVERVIEW

Ya sea que trabajes por contrato o tengas tu propia pequeña empresa, las deducciones de impuestos para trabajadores por cuenta propia pueden sumar grandes ahorros en impuestos.

Una mujer joven en una oficina moderna mira su teléfono

Puntos clave

• Los planes de retiro para ti y tus empleados pueden ser una gran deducción. En el 2022, un individuo puede contribuir $20,500 (más $6,500 adicional para aquellos mayores de 50 años de edad) como un aplazamiento de 401(k), más 25 % de tu ingreso neto.   

• Si utilizas una porción de tu hogar exclusivamente para propósitos de negocio, los gastos relacionados a ese espacio son deducibles.

• Si utilizas tu vehículo para tu negocio, pudieras deducir el valor monetario de las millas que viajas. Puedes llevar registro tus gastos actuales y multiplicar por el porcentaje de millas utilizadas para el negocio, o puedes utilizar la tasa estándar por millaje de negocio del IRS.

• Los gastos de viaje relacionados al negocio, depreciación de la propiedad y equipo, gastos de educación relacionados al negocio, gastos de publicidad y promoción, cuotas bancarias, comidas de restaurantes necesarias, entretenimiento y otros costos pudieran también ser deducibles.  

Deducciones del trabajo por cuenta propia

El trabajo por cuenta propia implica libertad, responsabilidad y muchos gastos. Si bien la mayoría de los trabajadores por cuenta propia celebran las dos primeras, sienten repulsión por la tercera, en especial, a la hora de presentar sus impuestos. Es posible que no conozcan algunas de las deducciones de impuestos que les corresponden.

Cuando llegue el momento de presentar las declaraciones, no dudes en reclamar los beneficios que tienes por ser el jefe. Como alguien que triunfa en el trabajo por cuenta propia, te los ganaste.

"Muchas veces, se suele pasar por alto la deducción de gastos de educación. Si haces cursos o compras material de investigación para mejorar tu efectividad en el trabajo, pueden ser deducibles".

Planes individuales de jubilación (cuentas IRA)

John L. Hillis, presidente de Hillis Financial Services en San José, California, dijo que la mejor deducción de impuestos para los trabajadores por cuenta propia es un plan de jubilación. Una persona que no tiene empleados puede establecer un plan 401 individual.

"En 2022, la persona puede aportar $20,500 al plan 401(k) como aplazamiento, más el 25 % de sus ingresos netos", comentó Hillis.

Para quienes tienen empleados, Hillis recomendó el Plan de Incentivos de Ahorros para Empleados (SIMPLE, por sus siglas en inglés) IRA, un plan basado en una cuenta IRA que ofrece a los pequeños empleadores un método simplificado que les permite hacer aportaciones para la jubilación de sus empleados. A partir de 2022, un empleado puede aplazar hasta $14,000, según comentó Hillis, y los empleados mayores de 50 años pueden aportar $3,000 adicionales.

"Una tercera opción en planes de jubilación es el Plan Simplificado de Pensiones para Empleados IRA (SEP IRA)", agregó Hillis. "En 2022, el empleador puede aportar el 25 % de los ingresos o $61,000 (de ambos valores, el menor). Si el empleador tiene empleados elegibles, el porcentaje que aporta a cada empleado debe ser el mismo".

Hillis afirmó que los planes de jubilación constituyen, sin duda, "la deducción n.°1. El Gobierno ayuda a reunir fondos para la jubilación".

Uso comercial del hogar o la vivienda

La contadora y asesora Jéneen R. Perkins, directora de Éclat Enterprises LLC en Milwaukee, Wisconsin, comentó que "la mayoría de los negocios de los contribuyentes que trabajan por cuenta propia comienzan como negocios en el hogar. Esas personas deben saber que parte de los costos comerciales son deducibles", agregó. "Es importante llevar un registro de los gastos relacionados con los costos de la vivienda.

Si los ingresos brutos provenientes de tu negocio superan tus gastos totales, puedes deducir todos los gastos relacionados con el uso comercial de tu hogar", explicó Perkins. Si tus ingresos brutos no superan tus gastos totales, podrás deducir solo la diferencia entre tus ingresos brutos y la suma de todos los gastos comerciales que pagarías si no tuvieras el negocio en tu hogar. Estos gastos podrían incluir líneas de teléfono, Internet y otros costos que surgen de las actividades comerciales.

Además, debes tener una oficina en el hogar que realmente uses para trabajar. Según comentó Hillis, el IRS (Servicio de Impuestos Internos) puede exigirte que lo documentes.

Deducción de gastos de automóvil

"Si viajas por negocios, incluso distancias cortas dentro de tu propia ciudad, puedes deducir en la declaración de impuestos el valor en dólares de las millas que recorriste para fines comerciales", explicó Perkins. El contribuyente puede reclamar el gasto real en el que incurrió o utilizar la tarifa estándar por milla que establece el IRS, que es de $62.5 a partir de 2022. Las tarifas por milla que autoriza el IRS se deben verificar todos los años, ya que pueden cambiar.

"Si decides usar los gastos reales del automóvil, asegúrate de incluir pagos, depreciación, matrícula, seguro, alquiler de cochera, licencias, reparaciones, mantenimiento, estacionamiento y peajes", aclaró Perkins. "Si decides usar la tarifa estándar por milla, lo mejor será llevar un registro (diario, semanal o mensual) de las millas recorridas, de tal modo que puedas distinguir el uso personal del uso comercial".

 


 

Nota de TurboTax: Piensa en estrategias a largo plazo para reducir tus impuestos, como establecer un plan de pensión de beneficios definidos, comenzar tu propia compañía de seguros si debes tener un seguro de responsabilidad, o pagarte renta a ti mismo por el uso comercial de tu propio edificio.

 


Depreciación de propiedades y equipos

"Es posible que algunos trabajadores por cuenta propia compren propiedades y equipos para un negocio. Si esperan que esa propiedad dure más de un año, deben incluir la depreciación en la declaración de impuestos", explicó Perkins.

Dijo Perkins que, según el IRS, las reclamaciones relacionadas con las propiedades deben cumplir con los siguientes criterios: Debes ser el dueño de la propiedad, y esta se debe usar o conservar para generar ingresos. La propiedad debe tener una vida útil estimada, es decir, debes poder calcular cuánto tiempo podrás generar ingresos con ella. La propiedad no puede tener una vida útil de un año o menos, ni puedes comprarla y venderla dentro del mismo año.

Además, puedes deducir determinadas reparaciones que hagas en la propiedad que usas para fines comerciales.

Gastos de educación

Todos los gastos de educación son potencialmente deducibles.

"Muchas veces, se suele pasar por alto la deducción de gastos de educación", comentó Hillis. "Si haces cursos o compras material de investigación para mejorar tu efectividad en el trabajo, pueden ser deducibles".

Piensa en libros, cursos virtuales, cursos en institutos locales u otras clases o materiales que hayas comprado para mejorar tu trabajo o tu negocio. Es fácil olvidar un seminario web o un libro electrónico de negocios que compraste en línea, así que guarda los recibos electrónicos.

Perkins también mencionó las suscripciones a publicaciones especializadas o profesionales y las donaciones a organizaciones comerciales, ambas muchas veces necesarias para la continuidad y el crecimiento de tu negocio.

Otras áreas que explorar

Otras deducciones que se pueden pasar por alto fácilmente son los gastos para fines publicitarios o promocionales, las comisiones bancarias y los boletos de avión, autobús o tren. Las comidas en restaurantes y otros gastos de entretenimiento se pueden deducir siempre y cuando sean gastos comerciales necesarios.

Además, Hillis aconseja considerar las primas de seguro médico, que, en la mayoría de los casos, representan un crédito y no una deducción.

"Un crédito reduce directamente los impuestos en lugar de reducir los ingresos", comentó.

Independientemente de qué gastos descubras que puedes deducir, lo más importante es que lleves registros exactos durante todo el año. Conserva los recibos, incluso los que te envíen por correo electrónico, y archívalos o regístralos para que puedas acceder a ellos fácilmente a la hora de presentar tus impuestos. Conservar recibos, registrar millas y anotar otros gastos no solo facilita la presentación de tu declaración, sino que te proporciona un sistema que te permite ver los cambios de un año a otro.

Estrategias para ahorrar en impuestos a largo plazo

Cuando consideres las deducciones para el trabajo por cuenta propia, no mires solo las de último momento. Piensa en implementar algunas estrategias a largo plazo que te permitan ahorrar dinero año tras año, en especial, si tienes ingresos altos.

"Los contadores suelen decirte lo que tienes que pagar", comenta Stephen K. Davis, asesor principal de inversiones de Safe Harbor Asset Management en Huntington, Nueva York. "No siempre te hablan sobre las estrategias para pagar menos.

A fin de reducir tus ingresos brutos sujetos a impuestos, considera establecer un plan de pensión de beneficios definidos", explicó Davis. Este plan depende de tu edad y de tus ingresos: cuanto mayor seas y más altos sean tus ingresos, mayor será el monto que puedas aportar. Como alternativa, está el plan de participación en las ganancias ponderado por la edad, que es similar y puede beneficiar a quienes tienen varios empleados.

Otra estrategia para propietarios de negocios que generan ingresos altos y poseen sus propios edificios a través de una sociedad de responsabilidad limitada o una estructura comercial similar consiste en pagarse a sí mismos una renta, explica Davis. Esta renta se utiliza para pagar la hipoteca, pero también se considera como gasto comercial para fines tributarios.

Los profesionales que trabajan por cuenta propia a quienes se les exige tener un seguro de responsabilidad civil deben considerar constituir su propia compañía de seguros. Una compañía de seguros cautiva es aquella que asegura los riesgos del negocio, o de los negocios en el caso de una cooperativa. Si bien las primas pueden ser deducibles de impuestos,

Davis nos advierte que, si el dinero se acumula y las reclamaciones son mínimas, el dinero que se retira es tributable como ganancias de capital. Davis hizo hincapié en que no es una estrategia de jubilación, pero puede ahorrarte dinero, ya que te permite "pagarte a ti mismo" en lugar de a una compañía de seguros y, aun así, deducir las primas.

Para cualquiera de estas estrategias más complejas a largo plazo, consulta a un abogado especializado en asuntos empresariales o a un planificador financiero a fin de asegurarte de que tengas el mejor plan posible para tu negocio.

Con TurboTax Premium, te haremos preguntas sencillas sobre tu vida y te ayudaremos a completar todos los formularios de impuestos que correspondan. Ideal para contratistas independientes y pequeñas empresas. Buscaremos entre más de 500 deducciones de impuestos para que recibas cada dólar que merezcas y te ayudaremos a descubrir deducciones específicas del sector.

Deja que un experto bilingüe se ocupe de la declaración de impuestos por ti, de principio a fin, con TurboTax Live Full Service. O puedes preparar tu declaración correctamente acompañado por expertos bilingües con TurboTax Live Assisted. Presenta tus impuestos con confianza con TurboTax. Solo responde unas preguntas simples, y te guiaremos en todo el proceso para presentar tu declaración de impuestos con confianza. Cualquiera que sea la forma que elijas, obtén el máximo reembolso, garantizado.

 

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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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  • More self-employed deductions based on the median amount of expenses found by TurboTax Premium (formerly Self Employed) customers who synced accounts, imported and categorized transactions compared to manual entry. Individual results may vary.

  • 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, 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 Support 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 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 Refund: 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 (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.

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 Support 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 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 Refund: 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 (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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