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Situaciones en las que elegir el estado de casado que presenta la declaración por separado te ahorrará impuestos

Written by a TurboTax Expert • Reviewed by Miguel Burgos, CPAUpdated for Tax Year 2023 • December 26, 2023 2:12 PM
OVERVIEW

Si estás casado, existen circunstancias en las que presentar la declaración por separado puede ahorrarte dinero en los impuestos sobre ingresos.

 

Una pareja riendo juega en la playa.

Puntos clave

  • Cuando ambos esposos trabajan y se ganan más o menos la misma cantidad, presentar en conjunto puede poner a la pareja en una escala tributaria más alta, mientras que presentar por separado los puede resultar en una tasa tributaria más baja.
  • Si los gastos médicos de un cónyuge exceden el 7.5 % de su Ingreso Bruto Ajustado (AGI según sus siglas en inglés) individual, pero no excede el 7.5 % de su AGI en conjunto, quizás pudieran reducir sus impuestos mediante presentar por separado y reclamar su deducción médica.   
  • Cuando el AGI de una pareja es demasiado alto para calificar para perdidas fortuitas en un área declarada como zona de desastre por el gobierno federal, presentar por separado pudiera hace posible que uno de los cónyuges reclame la deducción y reduzcan la factura tributaria general de la pareja.
  • Si uno de los cónyuges tiene una gran deuda tributaria y al otro se le debe un reembolso, presentar por separado protegerá el reembolso. El IRS no lo aplicará al balance pendiente del otro cónyuge.

Presentar conjuntamente o por separado

El IRS (Servicio de Impuestos Internos) considera a los contribuyentes unidos en matrimonio si están legalmente casados de acuerdo con la ley estatal, si viven juntos en concubinato reconocido por el estado o están separados, pero no tienen una sentencia de sustento financiero ni una sentencia de divorcio definitiva al final del año tributario.

De las 150,300,000 declaraciones de impuestos presentadas en 2016 (el último año en el que el IRS publicó estadísticas [al momento de la redacción]), 3,070,000 pertenecían a parejas que presentaron sus declaraciones por separado.

  • Estas parejas reportaron ingresos y gastos individuales en sus declaraciones de impuestos.
  • Tuvieron que aceptar detallar sus gastos o usar la deducción estándar.
  • Al presentar sus declaraciones por separado, es probable que sus ingresos similares, deducciones varias o gastos médicos les hayan ayudado a reducir sus impuestos.

Presentación de declaraciones separadas con ingresos similares

Es posible que una pareja pague menos al IRS al presentar sus declaraciones por separado si ambos cónyuges trabajan y ganan más o menos lo mismo.

    • Al comparar la cantidad de impuesto adeudado en los estados de presentación de manera conjunta y por separado, es posible que descubran que, si combinan sus ingresos, quedarán en una escala de impuestos más alta.
    • Sin embargo, sus ahorros dependen de diversos factores, como su situación en términos de inversiones y si tienen hijos o no.
    • El estado "casado que presenta la declaración por separado" reduce las deducciones para las contribuciones a cuentas IRA y elimina determinados créditos de impuestos, entre otros beneficios tributarios.

Nota de TurboTax:

Cuando presentan por separado, las parejas casadas deben acordar si ambos van a detallar sus gastos o a reclamar la deducción estándar.

Uso de deducciones misceláneas mediante la presentación de declaraciones por separado (para los años tributarios anteriores a 2018)

Si bien las deducciones misceláneas pueden reducir el ingresos tributable, para ingresarlas en el Anexo A, deben sumar más del 2 % del ingreso bruto ajustado (AGI, por sus siglas en inglés).

      • Es posible que los cónyuges con cuotas sindicales, costos de búsqueda de empleo, costos de preparación de impuestos y gastos comerciales sin reembolsar descubran que sus deducciones misceláneas no califican cuando el ingreso combinado más alto aumenta su AGI.
      • Un cónyuge que viaja seguido por negocios podría acumular una cantidad considerable en tarifas de aerolíneas por equipaje y cambios de itinerario que hagan que valga la pena reclamar las deducciones misceláneas.

A partir de 2018, estos tipos de gastos misceláneos ya no son deducibles.

Presentación de declaraciones por separado para ahorrar con gastos imprevistos

El Ingreso Bruto Ajustado (AGI según sus siglas en inglés), también determina si una pareja puede usar los costos de cuidado de la salud sin reembolsar y las pérdidas por hecho fortuito en el Anexo A para ahorrar en impuestos.

      • Salvo que los gastos médicos que pagues de tu bolsillo excedan el 7.5 % del AGI, no califican como deducción.
      • Las pérdidas por hecho fortuito también deben sumar más del 10 % del AGI y tener lugar en un área declarada como zona de desastre por el Gobierno federal.

Si la pareja presenta declaraciones por separado, el cónyuge que sufrió la pérdida o que incurrió en el gasto médico sustancial calcula la posibilidad de deducir gastos en función de su propio AGI más bajo. Si un cónyuge puede reducir los ingresos tributables de este modo, la declaración por separado podría recortar la carga tributaria general de la pareja.

Presentación de declaraciones por separado para proteger el futuro

Cuando no quieras hacerte responsable de la factura de impuestos de tu pareja, elegir el estado "casado que presenta la declaración por separado" ofrece protección financiera: el IRS no aplicará tu reembolso al saldo pendiente de tu cónyuge. Las declaraciones por separado son útiles para evitar que el IRS retenga el reembolso de impuestos de uno de los cónyuges cuando el otro se ha retrasado en el pago del sustento financiero de los hijos.

Es posible que las parejas que se encuentran en proceso de divorcio eviten presentar sus declaraciones como casadas que declaran de forma conjunta para evitar complicaciones con el IRS después del divorcio y que un cónyuge que cuestiona la ética tributaria de su pareja se sienta más cómodo si lleva una vida tributaria independiente.

Las parejas que viven en estados con comunidad de bienes
matrimoniales o gananciales, deben tener en cuenta la ley estatal en el momento de decidir qué estado civil usar en la declaración de impuestos.

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TURBOTAX DESKTOP

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  • 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 may 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 connectivity.

  • Fastest Refund Possible: Fastest federal tax refund with e-file and 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: Sum of $3140 is the average refund American taxpayers received based upon IRS data date ending 02/17/23 and may not reflect actual refund amount received.

  • TurboTax Product Support: Customer service and product support hours and options vary by time of year.

  • #1 Best Selling Tax Software: Based on aggregated sales data for all tax year 2022 TurboTax products.

  • Deduct From Your Federal or State Refund (if applicable): A $40 Refund Processing Service fee may apply 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 (2021 and higher) and QuickBooks Desktop (2021 and higher); both Windows only. Quicken import not available for TurboTax Desktop Business. Quicken products provided by Quicken Inc., Quicken import subject to change.

  • 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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