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Reglas para reclamar a un dependiente en tu declaración de impuestos

Written by a TurboTax Expert • Reviewed by Miguel Burgos, CPAUpdated for Tax Year 2024 • December 15, 2024 4:33 PM
OVERVIEW

Reclamar dependientes puede ayudarte a ahorrar miles de dólares en tus impuestos cada año. Sin embargo, muchos de nosotros desconocemos quién puede calificar como nuestro dependiente.

 


¿Te resulta complejo decidir si tu tío Jack, la abuela Betty o tu hija Joan califican como dependientes? Aquí encontrarás una referencia para evaluar rápidamente a quién de tu familia puedes reclamar en tu declaración de impuestos.

Puntos clave

  • El Crédito Tributario por Hijos es de hasta $2,000. El Crédito por Otros Dependientes asciende a hasta $500.
  • El IRS (Servicio de Impuestos Internos) define a un dependiente como un hijo calificado (menor de 19 años o menor de 24 años si es estudiante de tiempo completo, o de cualquier edad si tiene una discapacidad total y permanente) o un pariente calificado.
  • Un dependiente calificado puede tener ingresos, pero no puede proporcionar más de la mitad de su propio sustento financiero anual.
  • Un contribuyente no puede reclamar a un dependiente si él mismo es un dependiente, si el dependiente presenta una declaración de impuestos conjunta con un cónyuge (excepto en determinados casos) o si es reclamado como dependiente en la declaración de impuestos de otra persona.

¿Qué significa ser dependiente?

A efectos tributarios, un dependiente es una persona "distinta del contribuyente o del cónyuge" que puede ser reclamada por otra persona en una declaración de impuestos. En términos más generales, un dependiente es alguien que depende de otra persona para el sustento financiero, que abarca la vivienda, los alimentos, la vestimenta y gastos necesarios, entre otros. Por lo general, esto incluye a tus hijos u otros familiares, pero también puede incluir a personas que no tienen una relación de parentesco directa contigo, como una pareja doméstica registrada.

Cuando identificas a alguien como dependiente en tu declaración de impuestos, informas al IRS que cumpliste con los requisitos para reclamar a esa persona como dependiente.

En los años tributarios anteriores a 2018, los contribuyentes podían deducir de sus ingresos sujetos a impuestos una cantidad determinada por cada dependiente reclamado en la declaración de impuestos. Esto se conoce como deducción por exención. En el año tributario 2017, esta deducción ascendía a $4,050 por cada dependiente calificado. A partir de 2018, la deducción por exención desapareció y fue reemplazada por el Crédito Tributario por Hijos que suele ser más generoso, o por el Crédito por Otros Dependientes, principalmente de acuerdo con la edad del dependiente y su relación con la persona que lo reclama. Un crédito se diferencia de una deducción en que el crédito puede reducir tus impuestos directamente, mientras que una deducción puede reducir la cantidad de ingresos que están sujetos a impuestos.

¿Por qué reclamar a alguien como dependiente?

Si tienes familia, debes conocer el concepto de “dependiente” según el IRS para los fines del impuesto sobre los ingresos. ¿Por qué? Porque podrías ahorrarte miles de dólares en impuestos.

Para los años tributarios anteriores a 2018, por cada dependiente calificado reclamado, podías lograr una reducción de ingresos sujetos a impuestos que se limitaba a la cantidad de la exención, que era de $4,050 en 2017. En el 2024, las deducciones por exenciones fueron reemplazadas por lo siguiente:

  • Una mayor deducción estándar
  • Un mayor Crédito Tributario por Hijos (por un valor de hasta $2,000 por cada hijo calificado)
  • Un mayor Crédito Tributario Adicional por Hijos (de hasta $1,700 por hijo calificado)
  • Un nuevo Crédito por Otros Dependientes, de hasta $500 por cada dependiente calificado (que no debe confundirse con el Crédito por Gastos de Cuidado de Hijos Menores y Dependientes)

Las reglas sobre los dependientes también se aplican a otros beneficios, como los siguientes:

Calificar para acceder a estos beneficios puede marcar la diferencia entre deber dinero y recibir un reembolso.

Las reglas básicas no son complicadas, pero puede resultar difícil aplicarlas en ciertos contextos familiares. Esto aplica en particular si tienes un hijo que se mudó para asistir a la universidad, un primo que vive contigo durante el verano o una hija con un trabajo de tiempo parcial. Las preguntas que figuran a continuación te ayudarán a decidir a qué familiares puedes reclamar como dependientes.

¿Qué hace que alguien califique como dependiente?

Las reglas del IRS para los dependientes calificados abarcan prácticamente todas las situaciones posibles, desde amas de llaves hasta hijos emancipados.

Afortunadamente, la mayoría de las personas tenemos vidas sencillas. Las reglas básicas abarcarán casi todos los casos. Para entenderlas mejor, te explicamos todos los detalles.

Hay dos tipos de dependientes, cada uno de ellos sujeto a diferentes reglas:

  • Un hijo calificado
  • Un pariente calificado

Para ambos tipos de dependientes, tendrás que responder las siguientes preguntas a fin de determinar si puedes reclamarlos.

    • ¿Son ciudadanos o residentes? La persona tiene que ser ciudadana estadounidense, estadounidense nacional o residente de los EE. UU., Canadá o México. Muchas personas se preguntan si pueden reclamar a un estudiante extranjero de intercambio con quien conviven temporalmente. La respuesta es “tal vez”, pero solo si cumple con este requisito.
    • ¿Eres la única persona que lo reclama como dependiente? No se puede reclamar a alguien que ya se reclama como dependiente en otra declaración de impuestos, que afirma que no puede ser reclamado como dependiente en su propia declaración de impuestos (tomando una exención personal para sí mismo) o que reclama a otra persona como dependiente en su propio formulario de impuestos. Este requisito suele aplicarse a los hijos de padres divorciados. En este caso, tienes que usar las “reglas de desempate”, que se encuentran en la Publicación 501 del IRS. En estas reglas, se establecen los requisitos de ingresos, parentesco y residencia para reclamar a un hijo.
    • ¿Presentan una declaración conjunta? No puedes reclamar a alguien que está casado y que presenta una declaración de impuestos conjunta. Supongamos que mantienes a tu hijo adolescente que está casado: Si él presenta una declaración conjunta con su cónyuge, no puedes reclamarlo como dependiente. Esta regla no se aplica si el dependiente presenta una declaración conjunta solo para reclamar un reembolso de impuestos retenidos sobre los ingresos o de cualquier impuesto estimado que haya pagado.

Nota de TurboTax:

La inclusión de dependientes calificados en tu declaración de impuestos es uno de los mejores beneficios tributarios disponibles. Puede abrir la posibilidad a un gran número de deducciones y créditos tributarios que pueden reducir tu factura de impuestos.

Hijo calificado

Además de los requisitos indicados anteriormente, para reclamar a un hijo calificado, tienes que poder responder afirmativamente a todas las siguientes preguntas.

      • ¿Tiene un vínculo familiar contigo? El menor puede ser tu hijo/a, hijastro/a, hijo/a de crianza, hermano/a, medio hermano/a, hermanastro/a, hijo/a adoptivo/a o descendiente de uno de ellos.
      • ¿Cumple el requisito de edad? Tiene que ser menor de 19 años o, si es un estudiante de tiempo completo, menor de 24 años. Si tu hijo tiene una discapacidad total y permanente, el límite de edad no se aplica.
      • ¿Vive contigo? Tu hijo tiene que vivir contigo durante más de la mitad del año, pero se aplican varias excepciones.
      • ¿Lo mantienes financieramente? Tu hijo podría tener un trabajo, pero no puede proporcionar más de la mitad de su propio sustento financiero.

Pariente calificado

Muchas personas mantienen a sus padres ancianos, pero el solo hecho de enviarle de vez en cuando por correo postal un cheque a tu madre de 78 años no significa que puedes reclamarla como dependiente. Esta es una lista de verificación para determinar si tu madre (u otro familiar) califica.

      • ¿Vive contigo? Tu pariente tiene que vivir en tu residencia durante todo el año o estar incluido en la lista de “familiares que no viven contigo” en la Publicación 501. Alrededor de 30 tipos de familiares se incluyen en esta lista.
      • ¿Ganó menos de $5,050 en 2024($4,700 para el 2023)? Si tu familiar tiene un ingreso bruto superior a $4,700 en 2023 no puedes reclamarlo como dependiente. Esta cantidad límite aumenta a $5,050 para el 2024. Ciertos ingresos se exluyen de este requisito, tal como parte o todos los beneficios del Seguro Social.
      • ¿Lo mantienes financieramente? Tienes que proporcionarle más de la mitad de su sustento financiero total cada año.

En todos los casos, para reclamar a alguien como dependiente en tu declaración de impuestos, tú no puedes ser reclamado como dependiente en la declaración de otra persona.

Ejemplos de reclamación de dependientes

Contribuyentes casados con dos hijos menores de edad

Si presentas tu declaración de manera conjunta con tu cónyuge y tienen dos hijos menores de edad que no reciben ingresos y viven con ustedes durante más de la mitad del año (aunque se aplican algunas excepciones), es probable que puedas reclamarlos como hijos dependientes calificados en tu declaración de impuestos.

Contribuyentes divorciados con dos hijos menores de edad

Si estás divorciado y existe un acuerdo de tenencia entre tu excónyuge y tú respecto a sus dos hijos, podrá reclamar a estos hijos en su declaración de impuestos quien cumpla con los criterios establecidos por el IRS para reclamar a un hijo dependiente. Por lo general, la persona con la que los niños viven más de la mitad del año podrá reclamarlos como dependientes en su declaración de impuestos. No obstante, puede haber un acuerdo legal independiente que estipule que el otro progenitor puede reclamar a los hijos como dependientes.

Varios hermanos mantienen a un progenitor adulto mayor mediante un acuerdo de sustento financiero múltiple

Si varios hijos adultos mantienen a su progenitor adulto mayor, por lo general, el hijo que aporta más del 50 % del sustento financiero puede reclamarlo como dependiente. Sin embargo, puedes recurrir a un acuerdo de sustento financiero múltiple para determinar qué hermano puede reclamar al progenitor adulto mayor en una declaración de impuestos. Incluso en esta situación, tendrás que aportar al menos el 10 % de su sustento financiero, pero esto queda muy por debajo del 50 % estándar.

Reclamar a una pareja doméstica registrada

También puedes reclamar a tu pareja doméstica registrada como dependiente si cumple con los requisitos establecidos en la categoría de familiar dependiente calificado. Por lo general, reclamar a una pareja doméstica registrada es un desafío debido a la baja cantidad de ingresos que la pareja puede obtener sin dejar de ser elegible para ser reclamada.

Deducciones y créditos disponibles cuando se reclaman dependientes

      • Crédito Tributario por Ingreso del Trabajo: El Crédito Tributario por Ingreso del Trabajo es el mayor programa de sustento financiero para los trabajadores con ingresos bajos o moderados. Lo que hace el crédito tributario reembolsable es reducir el impuesto sobre los ingresos y, a menudo, aumentar los reembolsos de impuestos para los contribuyentes de ingresos bajos a moderados; puede ascender a un máximo de $7,830 para una familia con tres o más hijos en el año tributario 2024. Esta cantidad aumentó de $7,430 en el 2023. Para recibir el crédito, no es necesario tener hijos, pero la cantidad del crédito suele ser mayor para aquellos contribuyentes que tienen hijos calificados.
      • Crédito por Gastos de Cuidado de Hijos menores y Dependientes: Este crédito tributario reembolsable ayuda a los padres a pagar la guardería de un dependiente calificado mientras trabajan o estudian, o si se trata de un padre que no puede cuidar de sí mismo. El crédito puede ser de entre el 20 % y el 50 % de los gastos del año tributario 2022, hasta un máximo de $6,000.
      • Crédito Tributario por Hijos y Crédito Tributario Adicional por Hijos:
        • El Crédito Tributario por Hijos es de hasta $2,000 por cada hijo calificado menor de 17 años. Para 2021, el Crédito Tributario por Hijos es de $3,600 por cada hijo calificado menor de 6 años y de $3,000 por los hijos calificados de 6 a 17 años. Estos nuevos cambios provienen del Plan de Rescate Estadounidense y están permitidos para contribuyentes solteros y casados que presentan la declaración por separado que ganan hasta $75,000 por año (o hasta $150,000 en el caso de los contribuyentes conjuntos). Si tus ingresos están por encima de estos límites, sigues siendo elegible para el Crédito Tributario Adicional por Hijos, que asciende a $2,000 por hijo e incluye los ingresos del Crédito Tributario por Hijos original y las cantidades para la eliminación gradual. Además, el crédito completo es totalmente reembolsable para 2021.
      • Crédito por Otros Dependientes: Si tienes un familiar que califica como dependiente en tu declaración de impuestos, tienes derecho a reclamar un crédito no reembolsable de hasta $500. Puedes hacer esta reclamación por cada familiar calificado que incluyas en tu declaración de impuestos.
      • Crédito por Adopción: El Crédito por Adopción de 2024 es un crédito tributario no reembolsable por un valor de hasta $16,810 de los gastos que hayas pagado por la adopción de un niño que no sea tu hijastro. Este crédito aumentó de $15,950 en el 2023. Aunque el crédito no es reembolsable, puedes trasladar el valor restante del crédito sin utilizar durante un máximo de cinco años. La cantidad del Crédito por Adopción que puedes reclamar guarda relación con lo que hayas gastado en la adopción. Por ejemplo, si tus gastos de adopción calificados son de $7,000 en 2024 no puedes reclamar el crédito completo de $16,810 . Del mismo modo, si tus gastos de adopción ascienden a $20,000, solo puedes reclamar hasta $16,810 , que es el límite de crédito.
      • Gastos médicos: Si pagaste los gastos médicos de tu hijo o familiar dependiente calificado, puedes reclamarlos como deducción, sujeto a las reglas relacionadas con la deducción de gastos médicos. Por lo general, esto significa que puedes deducir los gastos médicos calificados no reembolsados que superen el 7.5 % de tu ingreso bruto ajustado. Reclamar esta deducción también implica que debes detallar tus deducciones en el Anexo A y elimina la posibilidad de reclamar la deducción estándar.
      • Crédito Tributario de la Oportunidad para los Estadounidenses y Crédito Perpetuo por Aprendizaje: Estos dos créditos tributarios están destinados a cubrir parte del costo relacionado con gastos de educación calificados. Pueden ser para ti, tu cónyuge o tus dependientes mientras estén inscriptos en la universidad, en una escuela vocacional o en algún tipo de capacitación relacionada con el trabajo.

Preguntas frecuentes sobre dependientes calificados

¿Cuánto puede ganar un hijo dependiente?

Un hijo calificado puede ganar una cantidad ilimitada de dinero y seguir siendo reclamado como dependiente, siempre que no aporte, además, más de la mitad de su propio sustento financiero.

Sin embargo, si el hijo dependiente es reclamado según las reglas de familiar calificado, el ingreso bruto del hijo debe ser inferior a $5,050 en el año 2024. Esta cantidad límite aumenta de $4,700 en el 2023.

¿Cuándo tiene que presentar tu hijo una declaración de impuestos?

Para 2024, un hijo puede tener ingresos del trabajo de hasta $14,600 sin pagar impuestos sobre los ingresos o hasta $13,850 en 2023. No obstante, los ingresos de trabajo por cuenta propia y los ingresos no derivados del trabajo, tales como los procedentes de inversiones, tienen límites diferentes para que los hijos presenten declaraciones de impuestos.

¿Cuándo debería dejar de reclamar a mi hijo como dependiente?

Tal vez llegue un momento en que ya no puedas reclamar a tu hijo como dependiente. Esto podría deberse a que, por su edad (tu hijo ya no califica si tiene más de 18 años, o 23 años si es estudiante de tiempo completo), ya no pagas la mitad de su sustento financiero o a que se ha mudado de vivienda. Si ya no puedes reclamarlo según las reglas de hijos dependientes calificados, es posible que puedas reclamarlo según los requisitos de parientes calificados.

¿Puedes reclamar a adultos como dependientes en tu declaración de impuestos?

Puedes reclamar a adultos como dependientes en tu declaración de impuestos si cumplen los criterios de parientes calificados. Muchas personas cuidan a sus progenitores adultos mayores y los reclaman como familiares dependientes calificados. Del mismo modo, puedes reclamar como dependiente en tu declaración de impuestos a una pareja doméstica registrada siempre que cumpla con los requisitos.

Por lo general, el mayor obstáculo que debes superar al reclamar a un adulto como dependiente es el requisito de ingresos. Los dependientes adultos no pueden tener un ingreso bruto superior a $5,050 en 2024 o más de $4,700 para el 2023. Si sigues todas las pautas y el adulto cumple con los criterios, puedes reclamarlo como adulto dependiente y abrir la oportunidad de reclamar deducciones y créditos tributarios adicionales para reducir tu factura de impuestos.

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  • TurboTax Free Edition: TurboTax Free Edition ($0 Federal + $0 State + $0 To File) is available for those filing simple Form 1040 returns only (no forms or schedules except as needed to claim the Earned Income Tax Credit, Child Tax Credit and student loan interest). More details are available here. Roughly 37% of taxpayers qualify. Offer may change or end at any time without notice.

  • TurboTax Free Mobile App Offer: File for free when you start and finish your own taxes in the TurboTax mobile app by February 18, 2024, 11:59pm ET. You are not eligible for this offer if you used TurboTax to file your 2023 taxes. Offer applies only to individual taxes filed with TurboTax do-it-yourself products and excludes TurboTax Live products.

  • TurboTax Full Service - Forms-Based Pricing: “Starting at” pricing represents the base price for one federal return (includes one W-2 and one Form 1040). Final price may vary based on your actual tax situation and forms used or included with your return. Price estimates are provided prior to a tax expert starting work on your taxes. Estimates are based on initial information you provide about your tax situation, including forms you upload to assist your expert in preparing your tax return and forms or schedules we think you'll need to file based on what you tell us about your tax situation. Final price is determined at the time of print or electronic filing and may vary based on your actual tax situation, forms used to prepare your return, and forms or schedules included in your individual return. Prices are subject to change without notice and may impact your final price. If you decide to leave Full Service and work with an independent Intuit TurboTax Verified Pro, your Pro will provide information about their individual pricing and a separate estimate after you discuss your tax situation with them.

TURBOTAX ONLINE/MOBILE

  • Anytime, anywhere: Internet access required; standard data rates apply to download and use mobile app.

  • 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. Last tax year, the IRS issued more than 9 out of 10 refunds in less than 21 days.

  • Get your tax refund 5 days early in your bank account: If you choose this paid add-on feature, your federal tax refund will be deposited to your selected bank account 5 days before the refund settlement date provided by the IRS (the date your refund would have arrived if sent from the IRS directly). The receipt of your refund 5 Days Early is subject to IRS submitting refund information to us at least 5 days before the refund settlement date. IRS does not always provide refund settlement information 5 days early. You will not be eligible to receive your refund 5 Days Early if (1) you take a Refund Advance loan, (2) IRS delays payment of your refund, or (3) your bank's policies do not allow for same-day payment processing. 5 Days Early fee will be deducted directly from your refund prior to being deposited to your bank account. If your refund cannot be delivered 5 Days Early, you will not be charged the 5 Days Early fee. Excludes business tax returns. 5 Days Early program may change or be discontinued at any time without notice.

    Money movement services are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New York State Department of Financial Services. For more information about Intuit Payments' money transmission licenses, please visit https://www.intuit.com/legal/licenses/payment-licenses/.

  • Get your tax refund up to 5 days early with Credit Karma Money™: When it's time to file, have your tax refund direct deposited to a Credit Karma Money™ checking or savings account, and you could receive your funds up to 5 days early. If you choose to pay your tax preparation fee with TurboTax using your federal tax refund or if you choose to take the Refund Advance loan, you will not be eligible to receive your refund up to 5 days early with Credit Karma. 5-day early program may change or discontinue at any time. Up to 5 days early access to your federal tax refund is compared to standard tax refund electronic deposit and is dependent on and subject to IRS submitting refund information to the bank before release date. IRS may not submit refund information early. Excludes business tax returns. Banking services for Credit Karma Money accounts are provided by MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply per account. For more information, please visit https://turbotax.intuit.com/credit-karma-money/.

  • Loan details and disclosures for the Refund Advance program: If you expect to receive a federal refund of $500 or more, you could be eligible for a Refund Advance loan. Refund Advance loans may be issued by First Century Bank, N.A. or WebBank, neither of which are affiliated with MVB Bank, Inc., Member FDIC. Refund Advance is a loan based upon your anticipated refund and is not the refund itself. 0% APR and $0 loan fees. Availability of the Refund Advance is subject to satisfaction of identity verification, certain security requirements, eligibility criteria, and underwriting standards. This Refund Advance offer expires on February 28, 2025, or the date that available funds have been exhausted, whichever comes first. Offer, eligibility, and availability subject to change without further notice.

    Refund Advance loans issued by First Century Bank, N.A. are facilitated by Intuit TT Offerings Inc. (NMLS # 1889291), a subsidiary of Intuit Inc. Refund Advance loans issued by WebBank are facilitated by Intuit Financing Inc. (NMLS # 1136148), a subsidiary of Intuit Inc. Although there are no loan fees associated with the Refund Advance loan, separate fees may apply if you choose to pay for TurboTax with your federal refund. Paying with your federal refund is not required for the Refund Advance loan. Additional fees may apply for other products and services that you choose.

    You will not be eligible for the loan if: (1) your physical address is not included on your federal tax return, (2) your physical address is located outside of the United States or a US territory, is a PO box or is a prison address, (3) your physical address is in one of the following states: IL, CT, or NC, (4) you are less than 18 years old, (5) the tax return filed is on behalf of a deceased person, (6) you are filing certain IRS Forms (1310, 4852, 4684, 4868, 1040SS, 1040PR, 1040X, 8888, or 8862), (7) your expected refund amount is less than $500, or (8) you did not receive Forms W-2 or 1099-R or you are not reporting income on Sched C. Additional requirements: You must (a) e-file your federal tax return with TurboTax and (b) currently have or open a Credit Karma Money™ Spend (checking) account with MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply. Opening a Credit Karma Money™ Spend (checking) account is subject to eligibility. Please see Credit Karma Money Spend Account Terms and Disclosures for details.

    Not all consumers will qualify for a loan or for the maximum loan amount. If approved, your loan will be for one of ten amounts: $250, $500, $750, $1,000, $1,500, $2,000, $2,500, $3,000, $3,500, or $4,000. Your loan amount will be based on your anticipated federal refund to a maximum of 50% of that refund amount. You will not receive a final decision of whether you are approved for the loan until after the IRS accepts your e-filed federal tax return. Loan repayment is deducted from your federal tax refund and reduces the subsequent refund amount paid directly to you.

    If approved, your Refund Advance will be deposited into your Credit Karma Money™ Spend (checking) account typically within 15 minutes after the IRS accepts your e-filed federal tax return and you may access your funds online through a virtual card. Your physical Credit Karma Visa® Debit Card* should arrive in 7 - 14 days. *Card issued by MVB Bank, Inc., Member FDIC pursuant to a license from Visa U.S.A. Inc.; Visa terms and conditions apply. Other fees may apply. For more information, please visit: https://support.creditkarma.com/s/article/Are-there-fees-with-a-Credit-Karma-Money-Spend-account.

    If you are approved for a loan, your tax refund after deducting the amount of your loan and agreed-upon fees (if applicable) will be placed in your Credit Karma Money™ Spend (checking) account. Tax refund funds are disbursed by the IRS typically within 21 days of e-file acceptance. If you apply for a loan and are not approved after the IRS accepts your e-filed federal tax return, your tax refund minus any agreed-upon fees (if applicable) will be placed in your Credit Karma Money™ Spend (checking) account.

    If your tax refund amounts are insufficient to pay what you owe on your loan, you will not be required to repay any remaining balance. However, you may be contacted to remind you of the remaining balance and provide payment instructions to you if you choose to repay that balance. If your loan is not paid in full, you will not be eligible to receive a Refund Advance loan in the future.

  • Pay for TurboTax out of your federal refund or state refund: Individual taxes only. Subject to eligibility requirements. Additional terms apply. A $40 service fee may apply to this payment method. Prices are subject to change without notice.

  • TurboTax Help and Support: Access to a TurboTax product specialist is included with TurboTax Deluxe, Premium, TurboTax Live Assisted and TurboTax Live Full Service; not included with Free Edition (but is available as a paid upgrade). TurboTax specialists are available to provide general customer help and support using the TurboTax product. Services, areas of expertise, experience levels, wait times, hours of operation and availability vary, and are subject to restriction and change without notice. Limitations apply. See Terms of Service for details.

  • TurboTax Live - Tax Advice and Expert Review: Access to an expert for tax questions and Expert Review (the ability to have a tax expert review) is included with TurboTax Live Assisted or as an upgrade from another TurboTax product, and available through December 31, 2025. Access to an expert for tax questions is also included with TurboTax Live Full Service and available through December 31, 2025. If you use TurboTax Live, Intuit will assign you a tax expert based on availability. Tax expert availability may be limited. Some tax topics or situations may not be included as part of this service, which shall be determined at the tax expert's sole discretion. The ability to retain the same expert preparer in subsequent years will be based on an expert’s choice to continue employment with Intuit and their availability at the times you decide to prepare your return(s). 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. 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: Hand off 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.

  • TurboTax Live - Unlimited Expert Support: Unlimited access to TurboTax Live 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 Experts - Years of Experience: Based on experts' self-reported years of tax experience.

  • TurboTax Live - Expert Availability: TurboTax Live experts are available on nights and weekends for certain expanded hours during tax season (from January to April) and in the weeks leading up to tax extension deadlines. Outside of tax season, regular hours are Monday through Friday 5am to 5pm PT. Service, area of expertise, experience levels, and wait times vary, and are subject to restriction and change without notice. Unlimited access to TurboTax Live experts is included with all TurboTax Live products.

  • TurboTax Live Full Service - File your taxes as soon as today: TurboTax Full Service experts are available to prepare 2024 tax returns starting January 6, 2025. One-day preparation and filing availability depends on start time, the complexity of your return, is based on completion time for the majority of customers, and may vary based on expert availability. A tax preparation assistant will validate the customer's tax situation during the welcome call and review uploaded documents to assess readiness and ability to file same-day. 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 - “Local”: For purposes of virtual meetings, “Local" experts are defined as being located within the same state as the consumer's zip code. Not available in all states.

  • Smart Insights: Individual taxes only. Included with TurboTax Deluxe, Premium, TurboTax Live, TurboTax Live Full Service, or with PLUS benefits, and is available through November 1, 2025. Terms and conditions may vary and are subject to change without notice.

  • My Docs: Included with TurboTax Deluxe, Premium TurboTax Live, TurboTax Live Full Service, or with PLUS benefits and is available through December 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, and TurboTax Live Full Service products. Access to up to seven years of tax returns we have on file for you is available through December 31, 2025. Terms and conditions may vary and are subject to change without notice.

  • Easy Online Amend: Individual taxes only. With TurboTax Deluxe, Premium, TurboTax Live, TurboTax Live Full Service, or with PLUS benefits, you can make changes to your 2024 tax return online through October 31, 2027. For TurboTax Live Full Service, your tax expert will amend your 2024 tax return for you through November 15, 2025; after that date, TurboTax Live Full Service customers will be able to amend their 2024 tax return themselves using the Easy Online Amend process described above. TurboTax Free Edition customers may amend 2024 tax returns online through October 31, 2025. Terms and conditions may vary and are subject to change without notice.

  • #1 best-selling tax software: Based on aggregated sales data for all tax year 2023 TurboTax products.

  • #1 online tax filing solution for self-employed: Based upon IRS Sole Proprietor data as of calendar year 2024, for tax year 2023. Self-Employed defined as a return with a Schedule C/C-EZ 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 and either e-filed or printed, not including returns prepared through desktop software.

  • 1099-Ks: Those filing in TurboTax Free Edition, TurboTax Live Assisted Basic or TurboTax Live Full Service Basic will be able to file a limited IRS Schedule 1 if they have hobby income or personal property rental income reported on a Form 1099-K, and/or a limited IRS Schedule D if they have personal item sales with no gain reported on Form 1099-K. Those filing in TurboTax Deluxe, TurboTax Live Assisted Deluxe or TurboTax Live Full Service Deluxe will be able to file a limited IRS Schedule D if they have personal item sales income reported on Form 1099-K. If you add other schedules or forms, or need to report other types of income on Schedules 1, D, E, F, or Form 4835 you may be required to upgrade to another TurboTax product.

  • 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: Maximum of $500 in total rewards for 20 referrals. See official terms and conditions for more details.

  • Refer your Expert (Intuit's own experts): Maximum of $500 in total rewards for 20 referrals. See official terms and conditions for more details.

  • Refer your Expert (TurboTax Verified Pro): Maximum of $500 in total rewards for 20 referrals. See official terms and conditions for more details.

  • 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. Each taxpayer's refund will vary based on their tax situation.

  • 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) and entities electing to be treated as a C-Corp, Trust/Estates (Form 1041), Tax Exempt Entities/Non-Profits, returns that require more than 5 state filings, and other issues unrelated to the preparation of a tax return or unrelated to business income/franchise taxes. TurboTax Live Assisted Business is currently available only in AK, AZ, CA, CO, CT, DE, FL, GA, ID, 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 an additional fee, by TaxResources, Inc., dba Tax Audit. Audit Defense is included at no added cost with business returns filed with TurboTax Live Business (excluding Sole Proprietor). See Membership Agreements at https://www.intuit.com/legal/terms/ 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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