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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 2024 • December 13, 2024 03:12 AM
OVERVIEW

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

 

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.

Con TurboTax Live Full Service, un experto bilingüe local elegido según tu situación en particular se ocupará de tus impuestos por ti de principio a fin. O bien, obtén ayuda y asesoramiento ilimitados de expertos en impuestos bilingües mientras preparas tu declaración con TurboTax Live Assisted.

Y, si quieres preparar y presentar los impuestos por ti mismo, puedes tener la certeza de que lo harás bien con TurboTax en español , ya que te guiaremos paso a paso. Independientemente de la forma en que realices la presentación, garantizamos un 100 % de precisión y el máximo reembolso correspondiente.

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Presentación gratuita de declaraciones simples con el Formulario 1040 solamente (sin anexos, excepto para el Crédito Tributario por Ingreso del Trabajo, el Crédito Tributario por Hijos y los intereses de préstamos estudiantiles). El 37 % de los contribuyentes califica.

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  • #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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