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¿Qué son las deducciones estándares tributarias?

Written by a TurboTax Expert • Reviewed by Miguel Burgos, CPAUpdated for Tax Year 2024 • November 14, 2024 02:47 PM
OVERVIEW

La deducción tributaria estándar es una cantidad fija que el sistema tributario te permite deducir, sin hacerte preguntas.

 

Puntos clave

  • La deducción estándar te permite reducir tu ingreso tributable por una cantidad fija, haciendo que presentar tus impuestos sea más simple ya que no tienes que detallar tus deducciones.
  • Cada año, la deducción estándar generalmente aumenta para mantenerse a la par con la inflación, asegurando que tu alivio tributario permanezca consistentemente.
  • Si tienes 65 o más o eres ciego, puedes calificar para una deducción estándar mayor, dándote un alivio adicional.
  • No puedes reclamar la deducción estándar si presentas tus impuestos como casado que presenta por separado y tu cónyuge detalla sus deducciones, o si eres un extranjero no residente.

Deducciones del ingreso

Las deducciones tributarias permiten a los individuos y a las empresas deducir ciertos gastos de sus ingresos sujetos a impuestos, reduciendo así el total de sus impuestos a pagar. El sistema tributario te da la opción de sumar todos los gastos deducibles, y someter las pruebas de todos esos gastos bajo petición del IRS o, simplemente, deducir una cantidad fija sin hacerte preguntas. Esa cantidad fija se llama "deducción estándar".

Conocimientos básicos de la deducción estándar

La deducción estándar garantiza que todos los contribuyentes tengan al menos un ingreso que no esté sujeto al impuesto sobre ingresos federal. Las deducciones estándares generalmente aumentan cada año debido a la inflación. Tienes la opción de reclamar la deducción estándar o de detallar tus deducciones. Sin embargo, nunca podrás reclamar los dos en el mismo año. Encontrarás que muchos estados que tienen un impuesto sobre el ingreso también te permitirán reclamar un tipo de deducción similar en tu declaración de impuestos estatales.

Cantidades de deducción estándar

La cantidad de tu deducción estándar dependerá del estado civil para el que califiques al presentar tu declaración. En el 2024, por ejemplo, los contribuyentes individuales y los contribuyentes casados que presentan declaraciones por separado, cada uno puede reclamar una deducción estándar de $14,600. Las parejas casadas que declaran conjuntamente pueden reclamar el doble de esa cantidad, $29,200. Mientras que los contribuyentes que presentan una declaración como "cabeza de familia" (personas solteras con familiares a cargo) pueden reclamar una deducción estándar de $21,900. 

¿Es diferente la deducción estándar si alguien te reclama como dependiente?

Si eres reclamado como dependiente, tu deducción estándar será menor. Por ejemplo, en 2023, la deducción estándar para dependientes es lo mayor de:

  1. $1,300
  2. Ingreso ganado más $450.

Nota que para la opción dos, esta no puede ser más que la deducción estándar para tu estado civil para propósitos de impuestos. Así que, si eres un contribuyente soltero menor de 65 años, no puede sobrepasar la deducción estándar de $14,600 para el 2024.

Para el 2024, la cantidad base para quienes son reclamados como dependientes, aumentará a $1,300 la deducción estándar para quienes presentan como solteros.

¿Cambia la deducción estándar todos los años?

Sí. La deducción estándar es ajustada cada año por inflación. Antes de presentar tus impuestos, debes verificar cuánto es la deducción estándar para ese año.

¿Quién es elegible para el aumento en su deducción estándar?

El sistema de impuesto sobre los ingresos federal aumenta la deducción estándar para los contribuyentes que tienen 65 años o más, son ciegos, o ambos. El IRS permite el ajuste por ceguera para las personas que están parcial o totalmente ciegas. El código tributario define "parcialmente ciego" el tener un campo de visión de no más de 20 grados o una visión corregida no mayor a 20/200; necesitarás un certificado de un oftalmólogo que respalde tu reclamo. Muchos estados ofrecen ajustes similares para la edad y la ceguera.

Nota de TurboTax:

Puedes escoger entre la deducción estándar o detallar tus deducciones, pero generalmente detallar solo vale la pena si tus gastos deducibles son mayores que la deducción estándar.

¿Quién no puede reclamar la deducción estándar?

Algunos contribuyentes no pueden tomar la deducción estándar federal. Si estás casado, pero presentas los impuestos por separado y tu cónyuge detalla sus deducciones en su declaración, entonces no puedes reclamar la deducción estándar. Tampoco puedes reclamarla si tú (o tu cónyuge si presentan una declaración conjunta) eres un extranjero no residente en cualquier momento durante el año tributario. Por último, si cambias tu período anual de contabilidad y presentas una declaración que cubre menos de 12 meses, la deducción estándar no está disponible.

¿Cuál es la diferencia entre la deducción estándar y detallada?

Mientras que la deducción estándar es una cantidad de dólares fija, la deducción detallada te permite utilizar todas las deducciones aplicables individualmente. Las deducciones detalladas usualmente se utilizan cuando tus gastos deducibles son mayores que la deducción estándar.

Para detallar deducciones, utilizarías el Anexo A, el cual te permite reportar cantidades de gastos dentro de las categorías permitidas. Esto incluye gastos médicos y dentales, donaciones a entidades caritativas, y otras deducciones detalladas.

¿Sería mejor utilizar la deducción estándar o detallada?

Es mucho más fácil reclamar la deducción estándar que detallar tus gastos, pero te podría costar dinero. El IRS te recomienda que tomes el tiempo de verificar los números para ver qué opción te da una deducción más grande (TurboTax hará esto por ti).

En particular, podrías considerar la opción de detallar si has realizado importantes donaciones caritativas, si has pagado intereses hipotecarios y los impuestos de propiedad de tu casa, o si has tenido una gran cantidad de gastos médicos pagados de tu propio bolsillo, pérdidas de un robo o accidente, como un incendio o desastre natural que no fueron cubiertas por una aseguradora.

¿Qué tal si mi deducción estándar es más que mi ingreso?

Estos son tres escenarios que te pudieran aplicar:

  1. En muchos casos, si no generas más que tu deducción estándar no tendrás que presentar tu declaración de impuestos. Por ejemplo, si la deducción estándar es $14,600, y te ganas menos de $14,600, entonces puede que no tengas que presentar tu declaración de impuestos. Ve el próximo punto para una aclaración.
  2. Puede que tengas que presentar impuestos sobre los ingresos, incluso si tus ingresos fueron menos que la deducción estándar, dependiendo del tipo de ingreso que ganaste. Por ejemplo, si tuviste ingreso como trabajador por cuenta propia, tendrás que presentar si este supera el umbral límite para el ingreso por trabajo por cuenta propia.
  3. Si tuviste demasiada retención de impuestos durante el año, incluso si tus ingresos no fueron más que la deducción estándar, tendrás que presentar impuestos sobre los ingresos si quieres recibir un reembolso.
  4. Si estás por debajo del límite de ingreso que te requiere presentar, pero calificas para créditos reembolsables, quizás quieras considerar presentar de todas formas para aprovechar el reembolso que te corresponde basado en esos créditos.

Para una explicación completa, lee el artículo sobre quién necesita presentar una declaración de impuestos (en inglés).

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  • 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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