1. TurboTax /
  2. Tax Calculators & Tips /
  3. Tax Tips Guides & Videos /
  4. En Español /
  5. Video: Consejos para el Cierre del Ejercicio Fiscal

Video: Consejos para el Cierre del Ejercicio Fiscal

Updated for Tax Year 2017


OVERVIEW

Al terminarse el año fiscal, hay ciertos métodos que puedes elegir para reducir tus impuestos. Mira este video para obtener más información sobre las oportunidades que tienes para este cierre fiscal.


Hola, soy Adrianna de Turbo Tax y tengo algunos consejos para darte sobre cómo reducir tus impuestos a final de año.

Aunque no lo creas todavía hay oportunidades para hacer una planeacion impositiva de último minuto cuando el año llega a su fin y, en algunos casos, incluso después de que ha terminado.

Planear tu retiro y el dinero de tus aportaciones a una cuenta individual de jubilación clásica puede ayudarte de muchas maneras a ahorrar dinero en impuestos.

Sujeto a máximos anuales, el dinero que pones cada año en una cuenta individual de jubilación clásica es deducible en tu declaración de impuestos. Por otra arte, los ingresos que la cuenta obtiene a través de inversiones se consideran libres de impuestos, lo que significa que no tendrás que informarlos en tu declaración de impuestos de cada año. Sólo en el momento en que comiences a retirar el dinero de tu jubilación tendrás que comenzar a pagar los impuestos.

Lo positivo de la cuenta individual de jubilación clásica es que puedes hacer contribuciones deducibles en cualquier momento del año -incluso si estás a 31 de diciembre- y se reducirán los impuestos que informes en la declaración que estarás presentando inmediatamente después. Pero si cuando estés haciendo tu última aportacion consideras que estás pagando más impuestos de lo que esperabas, el Servicio de Rentas Internas te dará tiempo hasta el 15 de abril para hacer tus aportaciones adicionales, las que se pueden deducir de la misma declaración de impuestos que estas efectuando por el año anterior.

Como alternativa a efectuar una deducción para tus aportaciones comunes en tu cuenta de jubilación y para las aportaciones que hagas a otros tipos de cuentas de jubilación como un 401k y un acuerdo de retiro individual, puedes aprovechar el crédito de los ahorros (o Saver’s credit, en inglés).

A diferencia de la deducción, el crédito de los ahorros te brinda una reducción de tus impuestos dólar por dólar. El crédito también te permite hacer aportaciones a la cuenta hasta el último día del año fiscal. Por lo tanto, si cuando se acerca diciembre te das cuenta de que necesitas reducir un poco tu declaración de impuestos, podrás poner dinero en una cuenta de jubilación, lo que incrementará la cantidad de tu crédito.

Si sólo tienes planes de seguro de salud altamente deducibles, no estás matriculado en Medicare y no estás listado como dependiente de alguien mas, entonces puedes obtener una cuenta de ahorro de salud para los gastos médicos en el futuro no cubiertos en el plan y puedes deducir las aportaciones que haces en esta cuenta.

Una cuenta de ahorro de salud es similar a una cuenta de jubilación en el sentido en que puedes hacer aportaciones de último minuto para incrementar tus deducciones para ese año y obtener ingresos libre de impuestos dentro de la cuenta. Además, los retiros que efectúas también son libres de impuestos mientras tanto uses los fondos para solventar gastos de médicos calificados.

Recuerda que mientras efectúes tus declaraciones con TurboTax, no necesitarás saber nada de impuestos. Nosotros te haremos algunas preguntas simples, efectuaremos todos los cálculos y pondremos todas tus respuestas en los formularios correctos.

Para obtener más información acerca de los impuestos sobre la renta visita TurboTax.com

All you need to know is yourself

Just answer simple questions about your life, and TurboTax Federal Free will take care of the rest.

For only $0.00*
Start for Free

Looking for more information?

The above article is intended to provide generalized financial information designed to educate a broad segment of the public; it does not give personalized tax, investment, legal, or other business and professional advice. Before taking any action, you should always seek the assistance of a professional who knows your particular situation for advice on taxes, your investments, the law, or any other business and professional matters that affect you and/or your business.

* Important Offer Details and Disclosures
  • TURBOTAX ONLINE/MOBILE

  • Try for Free/Pay When You File: TurboTax online and mobile pricing is based on your tax situation and varies by product. Absolute Zero $0 federal (forms 1040EZ/1040A) + $0 state limited time offer only available with TurboTax Free Edition; offer may change or end at any time without notice. Actual prices are determined at the time of print or e-file and are subject to change without notice. Savings and price comparisons based on anticipated price increase. Special discount offers may not be valid for mobile in-app purchases.
  • QuickBooks Self-Employed Offer with TurboTax Self-Employed and TurboTax Live for Extension Filers: To receive your complimentary subscription to QuickBooks Self-Employed through 10/31/19, you must pay for your 2017 TurboTax Self-Employed or TurboTax Live return between 4/18/18 and 10/15/18 and sign-in and access your QuickBooks Self-Employed account via mobile app or at https://selfemployed.intuit.com/turbotax at least twice by 12/31/18. You will have the option of renewing your QuickBooks Self-Employed subscription by 10/31/19 for another year at the then-current subscription rate. You may cancel your subscription at any time from within the QuickBooks Self-Employed billing section. See QuickBooks.com for price comparison. Offer not valid for existing QuickBooks Self-Employed subscribers already on a paid subscription.
  • Pays for itself (TurboTax Self-Employed): Estimates based on deductible business expenses calculated at the self-employment tax income rate (15.3%) for tax year 2017. Actual results will vary based on your tax situation.
  • Anytime, anywhere: Internet access required; standard data rates apply to download and use mobile app.
  • Fastest refund possible: Fastest tax refund with e-file and direct deposit; tax refund time frames will vary.
  • Pay for TurboTax out of your federal refund: A $X.XX Refund Processing Service fee applies to this payment method. Prices are subject to change without notice.
  • TurboTax Help and Support: Access to a TurboTax specialist is included with TurboTax Deluxe, Premier, Self-Employed and TurboTax Live; not included with Free Edition (but is available as an upgrade). TurboTax specialists are available to provide general customer help and support using the TurboTax product. SmartLook on-screen help is available on a PC, laptop or the TurboTax mobile app. Service, area of expertise, experience levels, wait times, hours of operation and availability vary, and are subject to restriction and change without notice.
  • Tax Advice, Expert Review and TurboTax Live: Access to tax advice and Expert Review (the ability to have a Tax Expert review and/or sign your tax return) is included with TurboTax Live or as an upgrade from another version, and available through October 15, 2018. These services are provided only by credentialed CPAs, EAs or tax attorneys. State tax advice is free. Some tax topics or situations may not be included as part of this service, which shall be determined in the tax expert’s sole discretion. In the event your return is reviewed by a tax expert and requires a significant level of tax advice or actual preparation, the tax expert may be required to sign your return as the preparer at which point they will assume primary responsibility for the preparation of your return. Expert Review [and TurboTax Live] not available on the TurboTax mobile app or when using a web browser on your mobile phone. On-screen help is available on a PC, laptop or the TurboTax mobile app. Service, area of expertise, experience levels, wait times, hours of operation and availability vary, and are subject to restriction and change without notice.
  • Tax Return Access and My Docs features: Included with TurboTax Deluxe, Premier, Self-Employed, TurboTax Live or with PLUS benefits. Access to all tax-related documents we have on file for you is available through 10/31/2019. 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 2016 TurboTax products.
  • Most Popular: TurboTax Deluxe is our most popular product among TurboTax Online users with more complex tax situations.
  • CompleteCheck: Covered under the TurboTax accurate calculations and maximum refund guarantees.
  • #1 rated online tax prep provider: Based on independent comparison of the best online tax software by TopTenReviews.com March 13, 2017.
  • Get tips based on your tax and credit data to help get you to where you want to be: Tax and credit data accessed upon your consent.
  • TURBOTAX CD/DOWNLOAD SOFTWARE

  • TurboTax CD/Download 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 do not apply to New York state returns. Savings and price comparison based on anticipated price increase. Prices subject to change without notice.
  • Fastest refund possible: Fastest tax refund with e-file and direct deposit; tax refund time frames will vary.
  • Pay for TurboTax out of your federal refund: A $X.XX Refund Processing Service fee applies to this payment method. Prices are subject to change without notice. This benefit is available with TurboTax Federal products except TurboTax Business.
  • About our TurboTax Product Experts: Customer service and product support vary by time of year.
  • About our credentialed tax experts: Live tax advice via phone is included with Premier and Home & Business; fees apply for Basic and Deluxe customers. State tax advice is free. Service, experience levels, hours of operation and availability vary, and are subject to restriction and change without notice. Not available for TurboTax Business customers.
  • #1 best-selling tax software: Based on aggregated sales data for all tax year 2016 TurboTax products.
  • Data Import: Imports financial data from participating companies; may require a free Intuit online account. Quicken and QuickBooks import not available with TurboTax installed on a Mac. Imports from Quicken (2016 and higher) and QuickBooks Desktop (2012 and higher); both Windows only. Quicken import not available for TurboTax Business. Quicken products provided by Quicken Inc., Quicken import subject to change.