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¿Qué estado civil deduce más impuestos?

Updated for Tax Year 2017


OVERVIEW

Tu estado civil puede hacer una gran diferencia en la cantidad de impuestos que pagas. Si ganas US$ 40.000 al año, por ejemplo, la cantidad de impuestos que pagarás dependerá del estado civil que declares. Las diferencias en las tasas de impuestos son significativas y pueden hacer la diferencia entre pagar hasta un 15% o 25%. Tu decisión de presentar soltero, conjuntamente o jefe de familia también afectará al tamaño de tu deducción estándar.


 

El siguiente artículo es correcto para sus impuestos de 2017, mismo que presentaras este año antes de la fecha límite de abril de 2018, incluyendo algunos cambios retroactivos debido a la aprobación de la reforma tributaria. Parte de la información fiscal mencionada a continuación cambiará el próximo año para su declaración de impuestos de 2018, pero no lo afectará este año.

Estados civiles

Si actualmente estás soltero y no tienes hijos, tu estado civil debe ser soltero. Sin embargo, si tienes un niño que vive contigo y eres responsable de más de la mitad de los gastos del mantenimiento de la casa, puedes declararte como "jefe de familia" y realizar importantes ahorros fiscales.

que estado civil deduce mas impuestos

Si estás casado, tú y tu cónyuge pueden elegir entre presentar una declaración de impuestos conjunta o presentarla por separado. Incluso te puedes presentar como viudo si perdiste a tu cónyuge en los últimos dos años y acogerte a los beneficios fiscales de los que presentan declaración conjunta. Con todo lo demás igual, quienes presentan declaraciones conjuntas y los viudos pagan la menor cantidad de impuestos.

Rangos de impuestos a los ingresos

A medida que el ingreso aumenta, las porciones de tus ingresos están sujetas a diferentes rangos impositivos que progresivamente aumentan el porcentaje que se paga por ellos. Si eres soltero en 2017, por ejemplo, pagas 10% de tus ingresos de hasta US$ 9.325, después el 15% de los ingresos entre esa cantidad y US$ 37.950. La elección de un estado civil diferente puede cambiar el punto en el que te mueves en los tramos. Una pareja casada que presenta una declaración conjunta en 2017 se mantiene en el 10% hasta que su ingreso conjunto llegue a US$ 18.650, mientras que para el jefe de familia, el límite es de US$ 13.350.

Reclamando las deducciones estándar

La deducción estándar es una cantidad que puedes deducir para reducir el monto de tus ingresos que pueden ser gravados. Se utiliza generalmente por personas que no tienen suficientes gastos deducibles para hacerlos dignos de detallar sus deducciones.

Aunque las cantidades generalmente aumentan cada año, en 2017 las personas y las parejas casadas que declaran por separado pueden reclamar una deducción estándar de US$ 6.350, quienes presentan declaraciones conjuntas y los viudos calificados pueden reclamar una deducción de US$ 12.700 y la presentación como jefe de familia te da una deducción de US$ 9.350. La deducción estándar aumenta para contribuyentes ciegos o que tienen 65 años o más.

Deducciones detalladas

Siempre tienes la opción de detallar las deducciones si el total de ellos es mayor que la deducción estándar para tu estado civil. Por lo general, el pago de los intereses hipotecarios, cuentas médicas, impuestos estatales de propiedad y las donaciones caritativas son elegibles para ser detalladas. Tu habilidad para detallar depende de tu estado civil, ya que mientras más grande sea la deducción estándar de la que eres elegible de reclamar, más gastos debes pagar durante el año para que valga la pena detallarlos.

Cuando utilices TurboTax para preparar tus impuestos, te haremos preguntas sencillas acerca de tu situación y recomendaremos el mejor estado civil de presentación para ti.

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