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¿Deberían tú y tu cónyuge presentar sus impuestos de forma conjunta o por separado?

Written by a TurboTax Expert • Reviewed by Miguel Burgos, CPAUpdated for Tax Year 2023 • December 29, 2023 2:43 PM
OVERVIEW

Las parejas casadas tienen la opción de presentar sus declaraciones de impuestos federales sobre el ingreso de forma conjunta o por separado. El IRS (Servicio de Impuestos Internos) incentiva a la mayoría de las parejas a presentar declaraciones de impuestos conjuntas al ofrecer varios alivios tributarios a quienes lo hagan. En la gran mayoría de los casos, para las parejas casadas, la mejor opción es declarar en conjunto, pero, en algunas situaciones, conviene presentar declaraciones separadas.

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Puntos clave

  • Para el año tributario 2023, la mayoría de las parejas casadas menores de 65 años que presenten una declaración conjunta recibirán una deducción estándar de $27,700, mientras que las parejas que presenten sus declaraciones por separado recibirán una deducción estándar de $13,850. Para el 2024, la deducción estándar para las parejas casadas presentando en conjunto menores de 65 aumenta a $29,200 y a $14,600 para aquellos que presenten como solteros. 
  • Los contribuyentes conjuntos suelen tener límites de ingresos más altos para recibir ciertos beneficios tributarios, como es el caso de la deducción por contribuir a una cuenta IRA.
  • Si eres casado y presentas tu declaración por separado, es posible que tu tasa de impuesto sea mayor y pagues más impuestos.
  •  Presentar las declaraciones por separado podría beneficiarte si tienes una gran cantidad de gastos médicos extraordinarios. Tal vez sea más sencillo alcanzar el límite del 7.5% de tu ingreso bruto ajustado a fin de calificar para las deducciones por gastos médicos si solo reclamas un ingreso.

¿Cuáles son las ventajas de presentar conjuntamente?

Presentar una declaración de impuestos conjuntamente con tu cónyuge provee muchas ventajas. Los contribuyentes conjuntos reciben una de las deducciones más grandes cada año, lo que les permite deducir una cantidad importante de los ingresos al calcular los ingresos sujetos a impuestos.

Es habitual que las parejas que presentan su declaración en conjunto puedan calificar para varios créditos tributarios, entre los que se incluyen:

Por lo general, a los contribuyentes con declaración conjunta les corresponden límites de ingresos más altos para ciertos impuestos y deducciones, lo cual significa que pueden tener ingresos más elevados y, de todos modos, tal vez calificar para ciertos beneficios tributarios.

¿Cuáles son las desventajas potenciales de presentar tus declaraciones de impuestos por separado?

Por otro lado, las parejas que declaran por separado suelen recibir menos beneficios tributarios. Las declaraciones de impuestos separadas podrían dar como resultado una mayor cantidad de impuestos.

    • En 2023, los contribuyentes casados que declaran por separado solo reciben una deducción estándar de $13,850 , en comparación con los $27,700 que se les ofrece a los que declaran en conjunto. Para el 2024, estas deducciones estándar aumentan a $14,600 y $29,200 respectivamente.
    • Si tú y tu cónyuge presentan sus declaraciones por separado, por lo general, quedan automáticamente descalificados de varias de las deducciones y los créditos antes mencionados.
    • Además, los contribuyentes que declaran por separado suelen estar limitados a una deducción menor por contribuciones a cuentas IRA.
    • Tampoco pueden tomar la deducción por intereses pagados sobre préstamos estudiantiles.
    • El límite de la deducción por pérdida de capital es de $1,500 para cada declaración separada, en lugar de $3,000, como es el caso de una declaración conjunta.

Nota de TurboTax:

La mejor manera de saber si deberías presentar una declaración conjunta o por separado con tu cónyuge es preparar la declaración de impuestos de ambas formas. Verifica tus cálculos y, luego, mira el reembolso o saldo debido neto que produzca cada método.

¿Cuándo deben las parejas casadas presentar sus impuestos por separado?

En raras ocasiones, presentar los impuestos por separado te puede hacer ahorrar dinero en tu declaración.

      • Por ejemplo, si tú o tu cónyuge tienen una gran cantidad de gastos médicos extraordinarios para reclamar y, dado que el IRS solo te permite deducir la cantidad de estos costos que supere el 7.5% de tu Ingreso Bruto Ajustado (AGI) en 2022, puede resultar difícil reclamar la mayoría de los gastos si ambos tienen un AGI elevado.
        • Por ejemplo, si tienes gastos médicos por $10,000 y ganaste $50,000, eso cubriría el límite del 7.5 % ($10,000 ÷ $50,000 = 20 % de tus ingresos).
        • Sin embargo, si ambos de manera conjunta ganan $135,000, quedarían descalificados y no podrían reclamar esos gastos médicos ($10,000 ÷ $135,000 = 7.4 % de sus ingresos).
      • En ese caso, presentar declaraciones por separado puede ser beneficioso si te permite reclamar más de tus deducciones médicas disponibles al aplicar el límite a solo uno de sus ingresos.
      • Si el pago de tu préstamo estudiantil es determinado por el ingreso en tu declaración de impuestos, presentar por separado pudiera ayudarte a mantener tus pagos más manejables.

      • Tú y tu cónyuge planifican divorciarse y no quieren ser responsables por los impuestos a pagar el uno del otro. Esto pudiera ser especialmente aplicable si no va a ser un divorcio amistoso.

Para obtener más consejos sobre cuándo sería mejor presentar tu declaración por separado, asegúrate de leer nuestro artículo Situaciones en las que elegir el estado de casado que presenta la declaración por separado te ahorrará impuestos.

¿Hay reglas relacionadas a las deducciones cuando estás casado y presentas por separado?

Si eres casado y presentas por separado, hay varios requisitos a tener en mente cuando se trata de reclamar deducciones:

  • Al presentar las declaraciones por separado, ambos cónyuges deben tomar la deducción estándar o detallar sus deducciones. Un cónyuge no puede detallar sus deducciones si el otro elige la deducción estándar.
  • Al detallar las deducciones, cada deducción puede ser usada por un cónyuge, aunque ambos hayan pagado el gasto. Una deducción se puede dividir entre los dos cónyuges que declaran por separado siempre que el total que reclamen ambos no supere el total de la deducción.

¿Tienen todas las parejas la opción de presentar en conjunto o por separado?

Puedes utilizar el estado casado que presenta en conjunto si:

  • Estabas casado al finalizar el año de presentación. Por ejemplo, para presentar tus impuestos para el año tributario 2023, tendrías que haberte casado en o antes del 31 de diciembre de 2023.
  • Viven aparte, pero no están legalmente separados.
  • Tu cónyuge falleció este año, y no te has casado. Nota que esto aplica solo en el año que falleció.
  • Estás en un matrimonio de hecho que es reconocido por el estado donde tu matrimonio comenzó.

Si tienes más preguntas sobre si tú y tu pareja califican para el estado civil casado que presenta conjuntamente, tal vez quieras hablar con un profesional de impuestos.

Cuando presentas por separado, ¿Puedes presentar como soltero si estás casado?

No. Si presentas por separado como individuo casado, no puedes presentar como soltero. El estado civil soltero está reservado para individuos que no son casados. Si estás legalmente separado o divorciado, también puedes utilizar la presentación como soltero cuando completes tu declaración de impuestos.

Una vez estás casado, solo tienes dos opciones para tu estado de presentación: casado que presenta por separado o casado que presenta conjuntamente.

¿Es mejor presentar en conjunto o separado?

La mejor manera de saber si deberías presentar una declaración conjunta o por separado con tu cónyuge es preparar la declaración de impuestos de ambas formas. Verifica tus cálculos y, luego, mira el reembolso o saldo debido neto que produzca cada método. Si usas TurboTax para preparar tu declaración, haremos los cálculos por ti y te recomendaremos el estado civil que te dé los máximos ahorros en impuestos.

¿Puedes cambiar un estado civil para propósitos de impuestos anterior de casado que presenta por separado a casado que presenta en conjunto?

Si presentaste por separado, pero quieres cambiar tu estado civil para propósitos de impuestos a casado que presenta conjuntamente, puedes enmendar tu declaración anterior dentro de tres años a partir de la fecha límite de declaración de la declaración original.

Pudieras querer cambiar tu estado civil para propósitos de impuestos de casado que presenta por separado a casado que presenta conjuntamente si te das cuenta de que puede resultar en un reembolso de impuesto.

Aprende más sobre cómo cambiar tu estado civil para propósitos de impuestos.

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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 2023 TurboTax individual tax return, we will provide one-on-one question-and-answer support with a tax professional, if requested through our Audit Report Center, for audited individual returns filed with TurboTax Desktop for the current 2023 tax year and, for individual, non-business returns, for the past two tax years (2021, 2022). 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, 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.

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, 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.

TURBOTAX DESKTOP

  • 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 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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