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¿Qué es el Formulario W-9 del IRS?

Written by a TurboTax Expert • Reviewed by Miguel Burgos, CPAUpdated for Tax Year 2023 • December 19, 2023 5:46 PM
OVERVIEW

El Formulario W-9 del IRS (Servicio de Impuestos Internos) se suele usar para proporcionar información necesaria a una persona o empresa que hará pagos a otra persona o empresa. Uno de los casos más comunes es el de una persona que trabaja para una empresa como contratista independiente. Si una empresa te incorpora como contratista o comienzas a trabajar por cuenta propia, es posible que te pidan que completes un Formulario W-9 y que se lo entregues a la empresa que te va a pagar.

 

Puntos clave

  • El Formulario W-9 proporciona información personal a una persona o empresa que la usa para reportar los ingresos pagados a otras personas, como aquellas que trabajan por cuenta propia (por ejemplo, contratistas independientes, freelancers, proveedores u otros clientes).
  • Hay una variedad de ingresos que se reportan en un Formulario 1099, entre otros, ingresos de contratistas independientes y pagos tales como ganancias por apuestas, alquileres o regalías, ganancias y pérdidas de cuentas de corretaje, pagos de dividendos y pagos de intereses.
  • La persona o empresa con la que trabajas usa el Formulario W-9 para reunir algunos de tus datos personales, como tu nombre, dirección y número de identificación tributaria (número de Seguro Social en el caso de personas físicas y número de identificación del empleador o EIN [por sus siglas en inglés], en el caso de empresas).
  • Normalmente, enviarás un Formulario W-9 cuando la mayoría de las transacciones que realices estén sujetas a impuestos y deban reportarse al IRS.

¿Qué es el Formulario W-9 del IRS?

El Formulario W-9 es un formulario muy utilizado del IRS. Si trabajas para una empresa que te paga como contratista independiente, freelancer o trabajador por encargo (en otras palabras, trabajas por cuenta propia) o si recibirás ingresos tales como intereses o dividendos, una empresa podría pedirte que llenes y envíes un Formulario W-9 para que pueda preparar un Formulario 1099 con precisión, reportar los pagos que te hace al final del año y saber si te corresponde o no la retención de impuesto adicional. Y si contratas trabajadores independientes.

¿Quién pide que se complete un Formulario W-9?

La persona o empresa que te paga es responsable de solicitarte un Formulario W-9. Sin embargo, el solicitante no tiene la obligación de presentar el Formulario W-9 ante el IRS. Esa persona guarda el formulario y usa esa información para preparar otras declaraciones, como los Formularios 1099 y los Formularios 1098, así como para determinar si es necesario retener impuestos federales de los pagos que recibas.

¿Quién necesita completar el Formulario W-9?

Por lo general, enviarás un Formulario W-9 si trabajas para una empresa y es posible que tengas que reportar información al IRS, como el recibir pagos por los servicios que prestas como contratista independiente, el pago de intereses sobre tu hipoteca o incluso la contribución de dinero a tu cuenta IRA.

La persona o empresa con la que trabajas usa el Formulario W-9 para reunir algunos de tus datos personales, de los cuales el más importante es tu número de identificación del contribuyente (TIN, por sus siglas en inglés).

¿Cuándo deberías solicitar un Formulario W-9?

Cuando comienzas a trabajar con un contratista o trabajador por cuenta propia a quien vas a pagarle, deberías pedirle que complete un Formulario W-9 antes de iniciar cualquier actividad. No hacerlo podría generar problemas después de iniciadas las tareas.

Por lo tanto, antes de empezar a trabajar con una persona o empresa, asegúrate de pedir un Formulario W-9 si aún no te lo dieron. Si no lo haces, es posible que tengas que pagar retenciones de impuestos sobre el dinero que les pagues.

Nota de TurboTax:

Las empresas que te incorporen como contratista o te paguen por los servicios que prestes probablemente te pedirán que completes un Formulario W-9. Del mismo modo, por lo general, los bancos, agencias de corretaje y otros pagadores solicitan un Formulario W-9 completo para preparar tus Formularios 1099 a fin de reportar, entre otros, intereses, dividendos y cancelaciones de deudas.

 

¿Qué es la retención de impuesto adicional?

La retención de impuesto adicional es dinero que se envía al IRS de los pagos de ingresos que, de otro modo, no estarían sujetos a ninguna retención. Es posible que los pagadores tengan que retener impuestos para asegurarse de que el IRS reciba los impuestos sobre ingresos que se le adeudan.

Los contribuyentes podrían estar sujetos a la retención adicional si no proporcionan un número de identificación del contribuyente (TIN) correcto o si el IRS cree que adeudan dinero y no pueden reunirlo de ninguna otra manera. Además, las personas o empresas pueden quedar sujetas a la retención adicional por no reportar ingresos por intereses, por dividendos o por dividendos para patrocinadores.

En concreto, podrías estar sujeto a la retención adicional y el pagador debe retener una tasa fija del 24 % para 2023 y 2024 en los siguientes casos:

  • No proporcionas tu TIN o proporcionas uno incorrecto.
  • El IRS notifica al pagador que retenga impuestos porque tienes antecedentes de haber reportado ingresos de menos en tu declaración de impuestos (normalmente, el IRS solo hará esto después de haberte enviado por correo postal cuatro notificaciones durante un periodo de al menos 120 días).
  • No certificas que no estás sujeto a la retención adicional.

Por lo general, puedes evitar la retención adicional brindando la información correcta cuando se te pida y pagando la cantidad de impuestos adecuada cada año. Si recibes un Formulario 1099 indicando que se te han retenido impuestos a través de la retención adicional, asegúrate de reportarlo como retención de impuesto federal sobre los ingresos en tu declaración de impuestos sobre los ingresos.

Diferencias entre el Formulario W-9 y el Formulario W-4

Al comenzar a trabajar como empleado o contratista independiente, es esperable que debas llenar algunos documentos para proporcionar tu información personal.

Si eres contratista independiente, proveedor, trabajador por cuenta propia o una persona que recibe una compensación para personas que no son empleados, por lo general, no eres empleado de la persona o empresa que te contrata. Si no trabajas como empleado, normalmente reportarás tus ingresos en un Formulario 1099-NEC y tendrás que preparar un Formulario W-9.

El Formulario W-9 incluirá tu información personal e indicará si estás sujeto a la retención de impuesto adicional. A menos que estés sujeto a dicha retención, la persona o empresa en cuestión no retendrá impuestos en tu nombre.

Por el contrario, si eres empleado, completarás un Formulario W-4 para que tu empleador sepa cuánto dinero deseas que retenga de tu cheque salarial en concepto de impuestos federales sobre los ingresos.

¿Cómo completar el Formulario W-9?

Puedes descargar el Formulario W-9 del sitio web del IRS. Para completar el Formulario W-9, tendrás que proporcionar información en las siguientes líneas y partes:

Línea 1: Nombre

Si envías el Formulario W-9 como persona física, debes ingresar el nombre que aparece en tu declaración de impuestos. Si has cambiado tu apellido sin informarlo a la Administración del Seguro Social (SSA, por sus siglas en inglés), ingresa tu nombre, el apellido que aparece en tu tarjeta del Seguro Social y tu nuevo apellido.

Si has pedido un Número de Identificación Personal del Contribuyente (ITIN), ingresa tu nombre tal cual lo ingresaste en la línea 1a de la solicitud (Formulario W-7). Esto también debería coincidir con el nombre que ingresaste en el Formulario 1040.

Si envías el formulario como empresario individual o compañía de responsabilidad limitada (LLC) de un solo miembro, ingresa tu nombre como aparece en tu Formulario 1040/1040A/1040EZ. Puedes ingresar tu negocio, rubro o tipo de operación (DBA, por sus siglas en inglés) en la línea 2.

Si completas el formulario como sociedad colectiva, LLC de varios miembros, sociedad anónima de tipo C o sociedad anónima de tipo S, ingresa el nombre en la línea 1 como se muestra en la declaración de impuestos correspondiente, e ingresa el negocio, rubro o tipo de operación en la línea 2.

Línea 2: Nombre comercial

Si completas tu Formulario W-9 como empresa, usa esta línea para proporcionar la información.

Línea 3: Clasificación tributaria federal

Según el caso, en la línea 3, selecciona la clasificación tributaria federal más adecuada para el nombre ingresado en la línea 1. Marca solo una casilla en la línea 3 del Formulario W-9.

Varios tipos de personas y empresas pueden llenar el Formulario W-9. Estas son las opciones correspondientes a las casillas que deberías marcar en la línea 3.

Tipo de persona o empresa 
Si la persona o empresa indicada en la línea 1 es una sociedad anónimaSociedad anónima
Si se trata de un individuo, empresario individual o LLC de un solo miembro que pertenece a un individuo y no se considera una entidad separada de su dueño a los fines del impuesto federalIndividuo/empresario individual o LLC de un solo miembro
Si se trata de una LLC que se considera una sociedad colectiva y no se considera una entidad separada de su dueño, pero el dueño es otra LLC que se considera separada de su dueño a los fines del impuesto federalSociedad de responsabilidad limitada e ingresa la clasificación tributaria adecuada (P = sociedad colectiva; C = sociedad anónima de tipo C o S = sociedad anónima de tipo S)
Si se trata de una sociedad colectivaSociedad colectiva
Si se trata de un patrimonio o fideicomisoFideicomiso/Caudal hereditario

Línea 4: Exenciones

Si completas el Formulario W-9 como persona física, no debes preocuparte por llenar esta sección.

Algunas empresas y organizaciones están exentas de la retención adicional en determinados casos y tendrán que llenar esta línea. Si alguna de estas opciones se aplica a tu situación, deberás proporcionar un código de números o letras, según las instrucciones, que represente los motivos de esta declaración. En la mayoría de los casos, las sociedades anónimas y las empresas quedarán exentas de la retención de impuesto adicional.

La Ley de Cumplimiento Fiscal de Cuentas Extranjeras (FATCA, por sus siglas en inglés) aparece en la segunda entrada de la línea Exenciones. A las instituciones financieras extranjeras se les suele exigir que reporten los pagos hechos a clientes que sean personas de los Estados Unidos, y que retengan impuestos de dichos pagos. Sin embargo, ciertos beneficiarios están exentos de esta disposición y tendrán que ingresar el código aplicable que se indica en las instrucciones del Formulario W-9 para reafirmar la exención.

Líneas 5 y 6: Dirección, ciudad, estado y código postal

Esta es la dirección a la que la persona o empresa te enviará por correo postal tu Formulario 1099. La dirección, ciudad, estado y código postal se ingresarán en las líneas 5 y 6.

Línea 7: Número(s) de cuenta

Usa la línea 7 si tienes que proporcionarle a la persona o empresa que te paga la información de la cuenta, como una cuenta bancaria o de corretaje, asociada a la solicitud del Formulario W-9.

Parte I: TIN

En esta sección, proporcionarás tu número de identificación del contribuyente (TIN). Si eres una persona física o LLC de un solo miembro, este será, por lo general, tu número de Seguro Social. También puede incluir tu número de identificación del empleador (EIN) si eres una LLC de varios miembros clasificada como sociedad colectiva, sociedad anónima de tipo C o sociedad anónima de tipo S.

Si operas como empresario individual, puedes incluir cualquiera de esos números.

En el caso de que vivas en los Estados Unidos como extranjero residente y, por tanto, no seas elegible para tener un número de Seguro Social, puedes usar tu ITIN (Número de Identificación Personal del Contribuyente) del IRS.

Parte II: Certificación

Firma y fecha el formulario en este campo, y declara que la información proporcionada es precisa a tu leal saber y entender. Tendrás que tachar la partida 2 de la certificación si estás sujeto a la retención de impuesto adicional por no haber reportado todos los intereses y dividendos en tu declaración de impuestos.

La certificación afirma que eres un ciudadano estadounidense, otra persona de los Estados Unidos o un extranjero residente. Si preparas tu Formulario W-9 en calidad de cuenta conjunta, solo debe firmar el formulario la persona cuyo TIN aparece en la Parte I.

¿Para qué se usa el Formulario W-9?

Al final del año tributario, la información contenida en el Formulario W-9 completado se usa para preparar los Formularios 1099, como el 1099-NEC, el 1099-MISC, el 1099-INT y el 1099-DIV. Asegurarte de haber completado el Formulario W-9 correctamente puede ahorrarte muchos problemas en el periodo de declaración de impuestos.

Para entender mejor las deducciones de impuestos, visita nuestra Calculadora de deducciones de impuestos para trabajadores por cuenta propia.

 

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  • Tax Advice, Expert Review and TurboTax Live: Access to tax advice and Expert Review (the ability to have a Tax Expert review and/or sign your tax return) is included with TurboTax Live Assisted or as an upgrade from another version, and available through December 31, 2024. Intuit will assign you a tax expert based on availability. Tax expert and CPA availability may be limited. Some tax topics or situations may not be included as part of this service, which shall be determined in the tax expert’s sole discretion. For the TurboTax Live Assisted product, if your return requires a significant level of tax advice or actual preparation, the tax expert may be required to sign as the preparer at which point they will assume primary responsibility for the preparation of your return. For the TurboTax Live Full Service product: Handoff tax preparation by uploading your tax documents, getting matched with an expert, and meeting with an expert in real time. The tax expert will sign your return as a preparer. The ability to retain the same expert preparer in subsequent years will be based on an expert’s choice to continue employment with Intuit. Administrative services may be provided by assistants to the tax expert. On-screen help is available on a desktop, laptop or the TurboTax mobile app. Unlimited access to TurboTax Live tax experts refers to an unlimited quantity of contacts available to each customer, but does not refer to hours of operation or service coverage. Service, area of expertise, experience levels, wait times, hours of operation and availability vary, and are subject to restriction and change without notice.

  • TurboTax Live Full Service – Qualification for Offer: Depending on your tax situation, you may be asked to answer additional questions to determine your qualification for the Full Service offer. Certain complicated tax situations will require an additional fee, and some will not qualify for the Full Service offering. These situations may include but are not limited to multiple sources of business income, large amounts of cryptocurrency transactions, taxable foreign assets and/or significant foreign investment income. Offer details subject to change at any time without notice. Intuit, in its sole discretion and at any time, may determine that certain tax topics, forms and/or situations are not included as part of TurboTax Live Full Service. Intuit reserves the right to refuse to prepare a tax return for any reason in its sole discretion. Additional limitations apply. See Terms of Service for details.

  • TurboTax Live Full Service - File your taxes as soon as today: TurboTax Full Service Experts are available to prepare 2023 tax returns starting January 8, 2024. Based on completion time for the majority of customers and may vary based on expert availability. The tax preparation assistant will validate the customer’s tax situation during the welcome call and review uploaded documents to assess readiness. All tax forms and documents must be ready and uploaded by the customer for the tax preparation assistant to refer the customer to an available expert for live tax preparation.

  • TurboTax Live Full Service -- Verified Pro -- “Local” and “In-Person”: Not all feature combinations are available for all locations. "Local" experts are defined as being located within the same state as the consumer’s zip code for virtual meetings. "Local" Pros for the purpose of in-person meetings are defined as being located within 50 miles of the consumer's zip code. In-person meetings with local Pros are available on a limited basis in some locations, but not available in all States or locations. Not all pros provide in-person services.

  • Smart Insights: Individual taxes only. Included with TurboTax Deluxe, Premium, TurboTax Live, TurboTax Live Full Service, or with PLUS benefits, and is available through 11/1/2024. Terms and conditions may vary and are subject to change without notice.

  • My Docs features: Included with TurboTax Deluxe, Premium TurboTax Live, TurboTax Live Full Service, or with PLUS benefits and is available through 12/31/2025. Terms and conditions may vary and are subject to change without notice.

  • Tax Return Access: Included with all TurboTax Free Edition, Deluxe, Premium, TurboTax Live, TurboTax Live Full Service customers and access to up to the prior seven years of tax returns we have on file for you is available through 12/31/2025. Terms and conditions may vary and are subject to change without notice.

  • Easy Online Amend: Individual taxes only. Included with TurboTax Deluxe, Premium, TurboTax Live, TurboTax Live Full Service, or with PLUS benefits. Make changes to your 2023 tax return online for up to 3 years after it has been filed and accepted by the IRS through 10/31/2026. Terms and conditions may vary and are subject to change without notice. For TurboTax Live Full Service, your tax expert will amend your 2023 tax return for you through 11/15/2024. After 11/15/2024, TurboTax Live Full Service customers will be able to amend their 2023 tax return themselves using the Easy Online Amend process described above.

  • #1 best-selling tax software: Based on aggregated sales data for all tax year 2022 TurboTax products.

  • #1 online tax filing solution for self-employed: Based upon IRS Sole Proprietor data as of 2023, tax year 2022. Self-Employed defined as a return with a Schedule C tax form. Online competitor data is extrapolated from press releases and SEC filings. “Online” is defined as an individual income tax DIY return (non-preparer signed) that was prepared online & either e-filed or printed, not including returns prepared through desktop software or FFA prepared returns, 2022.

  • CompleteCheck: Covered under the TurboTax accurate calculations and maximum refund guarantees. Limitations apply. See Terms of Service for details.
  • TurboTax Premium Pricing Comparison: Cost savings based on a comparison of TurboTax product prices to average prices set forth in the 2020-2021 NSA Fees-Acct-Tax Practices Survey Report.

  • 1099-K Snap and Autofill: Available in mobile app and mobile web only.

  • 1099-NEC Snap and Autofill: Available in TurboTax Premium (formerly Self-Employed) and TurboTax Live Assisted Premium (formerly Self-Employed). Available in mobile app only. Feature available within Schedule C tax form for TurboTax filers with 1099-NEC income.

  • Year-Round Tax Estimator: Available in TurboTax Premium (formerly Self-Employed) and TurboTax Live Assisted Premium (formerly Self-Employed). This product feature is only available after you finish and file in a self-employed TurboTax product.

  • **Refer a Friend: Rewards good for up to 20 friends, or $500 - see official terms and conditions for more details.

  • Refer your Expert (Intuit’s own experts): Rewards good for up to 20 referrals, or $500 - see official terms and conditions for more details.

  • Refer your Expert (TurboTax Verified Independent Pro): Rewards good for up to 20 referrals, or $500 - see official terms and conditions for more details.

  • Average Refund Amount: Sum of $3140 is the average refund American taxpayers received based upon IRS data date ending 2/17/23 and may not reflect actual refund amount received.

  • Average Deduction Amount: Based on the average amount of deductions/expenses found by TurboTax Self Employed customers who filed expenses on Schedule C in Tax Year 2022 and may not reflect actual deductions found.

  • 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, 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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