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Siete ventajas tributarias por casarse

Written by a TurboTax Expert • Reviewed by Miguel Burgos, CPAUpdated for Tax Year 2023 • December 27, 2023 4:11 PM
OVERVIEW

Hay muchas buenas razones para casarse, entre las que se destacan el verdadero amor y la compatibilidad. Aquí tienes 7 ventajas tributarias por casarse y algunos consejos para hacer que tu luna de miel extendida sea un poco más dulce al preparar tu declaración de impuestos.

Puntos clave

  • Si un esposo tiene un ingreso substancialmente menor al otro, presentar conjuntamente pudiera resultar en que el ingreso menor atraiga al ingreso mayor abajo hacia una escala tributaria más baja, reduciendo tus impuestos totales.

  • Si un cónyuge tiene ingreso negativo y no es elegible para ciertas deducciones, el cónyuge con un balance de ingreso positivo pudiera reclamar esas deducciones no utilizadas y reclamar las pérdidas del otro cónyuge como una deducción al presentar en conjunto.

  • Las parejas elegibles que presentan en conjunto pueden hacer contribuciones a dos cuentas IRA separadas (una para cada cónyuge), y recibir beneficios tributarios substanciales, incluso si uno de los cónyuges no está trabajando.

  • El dinero que se deje a un cónyuge no está sujeto al impuesto sobre la herencia federal, protegiendo usualmente el patrimonio del cónyuge de tributación hasta que el cónyuge sobreviviente muera.

El matrimonio y los impuestos

Hay muchas buenas razones para casarse, entre las que se destacan el verdadero amor y la compatibilidad. Nadie te sugeriría contraer matrimonio simplemente para recibir bendiciones tributarias de parte del Servicio de Impuestos Internos. Pero el código tributario proporciona algunos regalos de boda para aquellos que digan “Acepto”. Aquí tienes 7 ventajas tributarias por casarse y algunos consejos para hacer que tu luna de miel extendida sea un poco más dulce al preparar tu declaración de impuestos.

1. Juntos pueden tener una escala de impuestos menor

Por años, los contribuyentes se han quejado sobre la llamada “multa” matrimonial, la que solía suceder cuando cónyuges con cantidades de ingresos similares, al combinarlos, esto los empujaba a una escala de impuestos más alta que la que hubieran tenido si fuesen solteros. El congreso tomó medidas para reducir esta “multa”, haciendo que la responsabilidad tributaria de las parejas casadas declarando en conjunto sea similar al total combinado que hubiesen debido si declararan como contribuyentes solteros. Dependiendo de su ingreso, puede que aún haya una “multa” matrimonial. Pero si los contribuyentes casados tienen ingresos sustancialmente diferentes, el que tiene un ingreso menor, puede llevar al que tiene un ingreso mayor a una escala de impuestos más baja, reduciendo así sus impuestos combinados.

2. Tu cónyuge puede ser un refugio tributario

Aunque no es aconsejable buscar una pareja específicamente porque está perdiendo dinero, cabe señalar que las pérdidas de un cónyuge, en un matrimonio, pueden ayudar a ambos cónyuges. El cónyuge que está perdiendo dinero, digamos por ejemplo en un negocio, quizás no puede beneficiarse de algunas deducciones, incluyendo las relacionadas a su casa. Sin embargo, el cónyuge que sí está generando dinero, probablemente pueda aprovechar estas deducciones que no se han utilizado y también reclamar las otras perdidas como deducciones en una declaración conjunta.

3. El cónyuge desempleado puede tener una cuenta IRA

Generalmente, un contribuyente soltero que no tenga un empleo que le genere ingreso no es elegible para hacer una aportación a una cuenta de jubilación personal (IRA, por sus siglas en inglés). Sin embargo, un contribuyente casado sin empleo, puede aportar a una cuenta IRA utilizando el ingreso conjunto como pareja.

  • Las parejas que son elegibles y declaran en conjunto pueden contribuir a dos cuentas IRA separadas, una para cada cónyuge, y recibir beneficios tributarios sustanciales.
  • Además, la cantidad de ingreso límite o el punto en el cual los beneficios de las cuentas IRA comienzan a desaparecer, es mucho mayor para las parejas casadas que para las personas solteras.
  • Incluso si una pareja no es elegible para hacer contribuciones deducibles a una cuenta IRA debido a que sobrepasan los límites de ingresos, ambos cónyuges pueden hacer contribuciones no deducibles a sus cuentas IRA.

4. Las parejas pueden optar por los beneficios que más les convengan

Si ambos cónyuges tienen paquetes de beneficios de sus empleos, pueden elegir los beneficios más valiosos de los dos planes. Usualmente los beneficios discrepan entre cónyuges y la mezcla de beneficios adecuada de dos planes puede aumentar los ahorros en impuestos de una pareja. Por ejemplo, una pareja con dependientes puede tomar ventaja de la cuenta de gastos flexibles (FSA, por sus siglas en inglés) para el cuidado de dependientes de uno de los cónyuges, lo que directamente reduce su ingreso sujeto a impuestos.

5. Una pareja casada puede obtener mayores deducciones por contribuciones caritativas

Hay un límite sobre las contribuciones caritativas que se pueden deducir en un año, basado en el ingreso, que típicamente es el 50% de tu ingreso. Tener un cónyuge puede aumentar ese límite. Si un cónyuge no tiene una cantidad de ingreso que al menos duplique la cantidad de sus contribuciones caritativas en un año, el exceso de la contribución que no se pudo reclamar se puede aplicar al próximo año. Sin embargo, para las parejas declarando en conjunto, la deducción toma en consideración el ingreso del otro cónyuge, y así pueden potencialmente deducir una cantidad mayor en el año en curso.

  • En el 2020, el límite en donaciones caritativas se ha aumentado al 100% de tu Ingreso Bruto Ajustado (AGI según sus siglas en inglés).
  • En el 2020 puedes deducir hasta $300 en contribuciones caritativas cualificadas hechas en efectivo por declaración de impuestos, si reclamas la deducción estándar.
  • En el 2021 esta cantidad será hasta $600 por declaración de impuestos para los que presentan en conjunto y $300 para los otros estados civiles tributarios.

6. El matrimonio puede proteger el patrimonio

Casarse puede ayudar a una persona rica a proteger los activos que deja al morir. De acuerdo con las leyes tributarias federales, puedes dejar cualquier cantidad de dinero a un cónyuge sin generar impuestos sobre el patrimonio, de modo que esta exención protegerá el patrimonio del difunto hasta que el cónyuge sobreviviente fallezca.

7. Presentar solo una declaración puede requerir menos tiempo y gastos

Esto es simple: Si los cónyuges tienen que presentar solo una declaración de impuestos, posiblemente les tome menos tiempo reunir la documentación, al menos para el que no prepara la declaración, y les cueste menos que alguien más la prepare.

Nota de TurboTax:

Una desventaja de presentar una declaración de impuestos en conjunto es que ambos cónyuges son igualmente responsables por los errores u omisiones deliberadas en la declaración de impuestos. Sin embargo, un cónyuge no es responsable por los errores del otro cónyuge si estos sucedieron años antes de haberse casado.

Las desventajas tributarias del matrimonio

Así como las nupcias traen aparejados beneficios tributarios, también conllevan algunas desventajas. Eso no significa que no debas casarte; simplemente considéralas como regalos desagradables, como ese tercer horno eléctrico y el set barato para fondue.

  • Una vez que firmes la declaración conjunta, serás totalmente responsable por cada número que se incluya en ella. Si tu cónyuge inventa una cifra, serás igualmente responsable por las consecuencias. Sin embargo, no eres responsable por los errores u omisiones voluntarias de tu cónyuge si estos se produjeron en los años anteriores al matrimonio o si puedes probar que no sabías nada sobre ellos.
  • Además, dado el ingreso combinado, podría ser más difícil alcanzar los porcentajes de ingresos mínimos necesarios para poder deducir los gastos médicos (deben ser mayor del 7.5 %), salvo que uno o ambos hayan tenido gastos médicos significativos.
  • Si se produce un embargo contra un cónyuge por un préstamo no pagado o manutención de hijos no pagada, el reembolso podría ser atrasado o bloqueado.

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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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