{"id":569,"date":"2021-12-20T05:53:56","date_gmt":"2021-12-20T13:53:56","guid":{"rendered":"\/taxable-vs-non-taxable-income"},"modified":"2025-04-07T18:41:13","modified_gmt":"2025-04-08T01:41:13","slug":"ingresos-imponibles-y-no-imponibles","status":"publish","type":"post","link":"https:\/\/www.irs.com\/es\/ingresos-imponibles-y-no-imponibles\/","title":{"rendered":"Renta gravable vs. no gravable"},"content":{"rendered":"<div style=\"width: 640px;\" class=\"wp-video\"><video class=\"wp-video-shortcode\" id=\"video-569-1\" width=\"640\" height=\"360\" preload=\"metadata\" controls=\"controls\"><source type=\"video\/mp4\" src=\"https:\/\/www.irs.com\/wp-content\/uploads\/2025\/03\/Taxable_vs_Non-Taxable_Income_Explained.mp4?_=1\" \/><a href=\"https:\/\/www.irs.com\/wp-content\/uploads\/2025\/03\/Taxable_vs_Non-Taxable_Income_Explained.mp4\">https:\/\/www.irs.com\/wp-content\/uploads\/2025\/03\/Taxable_vs_Non-Taxable_Income_Explained.mp4<\/a><\/video><\/div>\n<p><i>Generally speaking, the IRS considers almost every type of income under the sun to be taxable income. No surprises there, right? However, there are a few but significant exceptions, which are non-taxable income streams. What are they and how do they work? Let\u2019s dive in!<\/i><\/p>\n<h2>\u00bfQu\u00e9 tipos de ingresos est\u00e1n sujetos a impuestos?<\/h2>\n<p>\u00bfQuiere saber si todos sus ingresos est\u00e1n sujetos a impuestos? Aunque el IRS considera que la mayor\u00eda de los tipos de ingresos est\u00e1n totalmente sujetos a impuestos, hay ciertos casos en los que sus ingresos pueden no estar sujetos a impuestos.<\/p>\n<h3>Ingresos gravables<\/h3>\n<p>Essentially, all income is considered taxable unless it\u2019s specifically excluded by the law. Income can be in the form of money, property, or services that you receive.<\/p>\n<p>In general, you are taxed on the income that\u2019s available to you, whether or not it\u2019s actually in your possession. All taxable income must be reported on your\u00a0<a href=\"https:\/\/www.irs.com\/es\/temas\/federal-tax-returns\/\" target=\"_blank\" rel=\"noopener\">declaraci\u00f3n de impuestos federales<\/a>\u00a0y est\u00e1 sujeta a tributaci\u00f3n.<\/p>\n<p>Entre los tipos de ingresos imponibles figuran los siguientes:<\/p>\n<ul>\n<li>Salarios<\/li>\n<li>Salarios<\/li>\n<li>Comisiones (incluidas las comisiones anticipadas)<\/li>\n<li>Tarifas<\/li>\n<li>Consejos<\/li>\n<li>Opciones sobre acciones.<\/li>\n<li>Intereses recibidos.<\/li>\n<li>Dividendos.<\/li>\n<li>Indemnizaci\u00f3n por desempleo.<\/li>\n<li>Indemnizaciones retroactivas (por acuerdo o sentencia)<\/li>\n<li>Primas y premios (incluidos viajes de vacaciones)<\/li>\n<li>Pagos salariales diferenciados<\/li>\n<li>Notas recibidas por servicios<\/li>\n<li>Indemnizaci\u00f3n por despido<\/li>\n<li>Impuestos de Seguridad Social y Medicare pagados por su empresa<\/li>\n<li>Derechos de revalorizaci\u00f3n de acciones (en el a\u00f1o en que se ejercen)<\/li>\n<li>Deuda cancelada\/ condonada<\/li>\n<li>Ingresos no monetarios procedentes del trueque<\/li>\n<li>Honorarios de asesoramiento financiero pagados por su empresa<\/li>\n<li>Derechos de autor, patentes, petr\u00f3leo, gas y minerales<\/li>\n<li>Alquileres de bienes muebles<\/li>\n<li>Ganancias y p\u00e9rdidas de capital.<\/li>\n<li>Ingresos y p\u00e9rdidas por apuestas.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>RELACIONADO: <a href=\"https:\/\/www.irs.com\/es\/articles\/creditos-fiscales-reembolsables-y-no-reembolsables\/\" target=\"_blank\" rel=\"noopener\">Cr\u00e9ditos fiscales reembolsables vs. No reembolsables<\/a><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-12125 aligncenter\" src=\"https:\/\/www.irs.com\/wp-content\/uploads\/2021\/12\/pexels-rdne-7005624-scaled-e1741977873826-1024x829.jpg\" alt=\"\" width=\"574\" height=\"465\" srcset=\"https:\/\/www.irs.com\/wp-content\/uploads\/2021\/12\/pexels-rdne-7005624-scaled-e1741977873826-1024x829.jpg 1024w, https:\/\/www.irs.com\/wp-content\/uploads\/2021\/12\/pexels-rdne-7005624-scaled-e1741977873826-300x243.jpg 300w, https:\/\/www.irs.com\/wp-content\/uploads\/2021\/12\/pexels-rdne-7005624-scaled-e1741977873826-768x622.jpg 768w, https:\/\/www.irs.com\/wp-content\/uploads\/2021\/12\/pexels-rdne-7005624-scaled-e1741977873826-1536x1244.jpg 1536w, https:\/\/www.irs.com\/wp-content\/uploads\/2021\/12\/pexels-rdne-7005624-scaled-e1741977873826-15x12.jpg 15w, https:\/\/www.irs.com\/wp-content\/uploads\/2021\/12\/pexels-rdne-7005624-scaled-e1741977873826.jpg 1707w\" sizes=\"auto, (max-width: 574px) 100vw, 574px\" \/><\/p>\n<h3>Ingresos no imponibles<\/h3>\n<p>En algunos casos, los ingresos que percibe no est\u00e1n sujetos a impuestos. Sin embargo, es importante tener en cuenta que, aunque determinados tipos de ingresos no est\u00e9n sujetos a impuestos, es posible que tengas que declararlos en tu declaraci\u00f3n de la renta.<\/p>\n<p>Entre los tipos de ingresos no imponibles figuran los siguientes:<\/p>\n<ul>\n<li>Pensiones alimenticias<\/li>\n<li>Reembolso de los gastos de adopci\u00f3n<\/li>\n<li>Donaciones, legados y herencias<\/li>\n<li>Reembolsos en met\u00e1lico de un distribuidor o fabricante por un art\u00edculo que compre<\/li>\n<li>Prestaciones sociales<\/li>\n<li>Indemnizaciones por da\u00f1os f\u00edsicos o enfermedad<\/li>\n<li>Comidas y alojamiento a conveniencia de su empleador<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>RELACIONADO: <a href=\"https:\/\/www.irs.com\/es\/articles\/principales-desgravaciones-fiscales-relacionadas-con-covid\/\" target=\"_blank\" rel=\"noopener\">Principales exenciones fiscales relacionadas con COVID<\/a><\/p>\n<h3>Ingresos que pueden o no ser imponibles<\/h3>\n<p>Algunos tipos de ingresos no est\u00e1n sujetos a impuestos, pero s\u00f3lo en determinadas condiciones (como una exclusi\u00f3n prevista por el IRS). Dependiendo de la situaci\u00f3n, sus ingresos pueden estar totalmente gravados, parcialmente gravados o no estar gravados en absoluto.<\/p>\n<p>Entre los tipos de ingresos que pueden o no estar sujetos a impuestos se incluyen los siguientes:<\/p>\n<ul>\n<li>Seguro de vida<\/li>\n<li>Beca de estudios<\/li>\n<li>Ingresos no monetarios<\/li>\n<li>Premio a los logros de los empleados<\/li>\n<li>Subvenciones p\u00fablicas por el coste de la vida<\/li>\n<li><a href=\"https:\/\/www.fidelity.com\/viewpoints\/retirement\/nqdc\" target=\"_blank\" rel=\"noopener nofollow\">Planes de retribuci\u00f3n diferida no cualificados<\/a><\/li>\n<li>Planes de retribuci\u00f3n diferida no cualificados de entidades no cualificadas<\/li>\n<li>Subsidio de enfermedad<\/li>\n<li>Devoluciones, cr\u00e9ditos o compensaciones de impuestos estatales o locales sobre la renta<\/li>\n<li>Prestaciones complementarias<\/li>\n<li>Prestaciones por accidentes laborales<\/li>\n<li>Prestaciones de la Seguridad Social<\/li>\n<li>Monedas virtuales<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Tenga en cuenta que los ejemplos anteriores no son exhaustivos. Para m\u00e1s informaci\u00f3n, consulte\u00a0<a href=\"https:\/\/www.irs.gov\/pub\/irs-pdf\/p525.pdf\" target=\"_blank\" rel=\"noopener\">Publicaci\u00f3n 525 del IRS (Ingresos imponibles y no imponibles)<\/a>.<\/p>\n<p>RELACIONADO: <a href=\"https:\/\/www.irs.com\/es\/articles\/tramos-marginales-del-impuesto-sobre-la-renta\/\" target=\"_blank\" rel=\"noopener\">Categor\u00edas fiscales de ingresos marginales<\/a><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-12126 size-large\" src=\"https:\/\/www.irs.com\/wp-content\/uploads\/2021\/12\/pexels-nurseryart-360624-1-1024x718.jpg\" alt=\"what is non-taxable income\" width=\"1024\" height=\"718\" srcset=\"https:\/\/www.irs.com\/wp-content\/uploads\/2021\/12\/pexels-nurseryart-360624-1-1024x718.jpg 1024w, https:\/\/www.irs.com\/wp-content\/uploads\/2021\/12\/pexels-nurseryart-360624-1-300x210.jpg 300w, https:\/\/www.irs.com\/wp-content\/uploads\/2021\/12\/pexels-nurseryart-360624-1-768x539.jpg 768w, https:\/\/www.irs.com\/wp-content\/uploads\/2021\/12\/pexels-nurseryart-360624-1-1536x1077.jpg 1536w, https:\/\/www.irs.com\/wp-content\/uploads\/2021\/12\/pexels-nurseryart-360624-1-2048x1437.jpg 2048w, https:\/\/www.irs.com\/wp-content\/uploads\/2021\/12\/pexels-nurseryart-360624-1-18x12.jpg 18w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h3>How Are Digital Currencies Treated By the IRS?<\/h3>\n<p>If you get paid in cryptocurrency\u2014whether by an employer or a client\u2014<a href=\"https:\/\/www.irs.gov\/filing\/digital-assets\" target=\"_blank\" rel=\"noopener\">it counts as taxable income<\/a>. Essentially, it\u2019s just like getting paid in cash, so there are no changes to the tax situation there and it\u2019s subject to income tax withholding.<\/p>\n<p>In a similar vein, if you\u2019re mining crypto, the IRS usually sees that as self-employment income, meaning you\u2019ll need to report it and potentially pay self-employment taxes.<\/p>\n<p>The biggest change comes when you\u2019re mining crypto. The heyday of crypto mining might be behind us, but it\u2019s not gone. Anytime you mine, receive, trade, sell, or exchange crypto, you have to include it on your tax return.<\/p>\n<p>However, if you\u2019re just holding onto your crypto, it\u2019s treated like property. You won\u2019t owe taxes until you actually sell or trade it, and only if you make a profit (a taxable event).<\/p>\n<h2>Most Common Types of Taxable Income<\/h2>\n<p>Like you saw in our list from the previous section, there are plenty of examples of non-taxable income, things are not always as simple as they seem. The specifics of non-taxable income almost always vary depending on which type you\u2019re talking about, and sometimes it even becomes taxable income under specific circumstances.<\/p>\n<p>Let\u2019s look at a few examples to better explain what we\u2019re talking about.<\/p>\n<h3>Financial Gifts<\/h3>\n<p>When it comes to <a href=\"https:\/\/www.irs.gov\/businesses\/small-businesses-self-employed\/gift-tax\" target=\"_blank\" rel=\"noopener\">taxes on gifts<\/a>, it\u2019s usually the <b>giver<\/b> who is responsible, not the person receiving the gift. If someone gives you money and it\u2019s not tied to any work or services you provided, it\u2019s generally not considered taxable income. However, if your employer gives you a financial gift, that\u2019s a different story\u2014it\u2019s typically taxable. Employers can give small non-cash gifts (worth $25 or less) without tax implications, but anything over that amount is taxable.<\/p>\n<p>On the other hand, if you and your coworkers exchange financial gifts, there\u2019s no tax liability\u2014employees can give each other money in any amount without triggering taxes. But keep in mind, business bonuses and profit-sharing payments are not considered gifts at all. These count as compensation for services, so they are always taxable.<\/p>\n<h3>Disability Benefits<\/h3>\n<p>To qualify for disability benefits, a person must have suffered a temporary or permanent disability due to an illness or injury. Generally, disability payments and workers\u2019 compensation are not taxed. But if your disability benefits come from an insurance policy paid for by your employer, those benefits are subject to taxes.<\/p>\n<p>Most disability benefits, including workers\u2019 compensation, private disability insurance, and payments made with after-tax dollars, are exempt from federal income tax. Additionally, compensation received for injury, illness, or loss of function is not taxed, as long as it\u2019s not a punitive settlement (such as a lawsuit penalty).<\/p>\n<h3>Life Insurance Proceeds<\/h3>\n<p>If you receive life insurance proceeds after someone passes away, that money is not taxable. Since the deceased was the insured person, their life insurance payout doesn\u2019t count as part of your gross income, so you don\u2019t have to report it on your tax return. However, if the policy accrues interest, you do need to report the interest as taxable income.<\/p>\n<h3>Inheritances<\/h3>\n<p>If you inherit money, investments, or property, you generally don\u2019t have to pay taxes on it\u2014at least in North Carolina, which has no inheritance tax. But if the deceased lived in another state, you\u2019ll need to check that state\u2019s inheritance tax laws.<\/p>\n<p>Estate taxes are a separate issue altogether. These taxes apply to the total value of someone\u2019s assets when they pass away. For 2025, estates valued at $<i>13,990,000 <\/i>or less are exempt from federal estate tax. If the estate is worth more than that, taxes may apply, and they must be reported.<\/p>\n<h3>Pensi\u00f3n alimenticia y manutenci\u00f3n de los hijos<\/h3>\n<p>If you receive alimony or child support after a divorce, the good news is\u2014you don\u2019t have to include it as taxable income. Since 2019, alimony payments are no longer tax-deductible for the person making the payments, meaning they can\u2019t write it off on their tax return. Child support has never been taxable, so parents receiving those payments don\u2019t need to worry about including them in their gross income either.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-12127\" src=\"https:\/\/www.irs.com\/wp-content\/uploads\/2021\/12\/luah-jun-yang-arLrcu7ZVwE-unsplash-1-1024x819.jpg\" alt=\"what is non-taxable income\" width=\"528\" height=\"422\" srcset=\"https:\/\/www.irs.com\/wp-content\/uploads\/2021\/12\/luah-jun-yang-arLrcu7ZVwE-unsplash-1-1024x819.jpg 1024w, https:\/\/www.irs.com\/wp-content\/uploads\/2021\/12\/luah-jun-yang-arLrcu7ZVwE-unsplash-1-300x240.jpg 300w, https:\/\/www.irs.com\/wp-content\/uploads\/2021\/12\/luah-jun-yang-arLrcu7ZVwE-unsplash-1-768x614.jpg 768w, https:\/\/www.irs.com\/wp-content\/uploads\/2021\/12\/luah-jun-yang-arLrcu7ZVwE-unsplash-1-1536x1229.jpg 1536w, https:\/\/www.irs.com\/wp-content\/uploads\/2021\/12\/luah-jun-yang-arLrcu7ZVwE-unsplash-1-2048x1639.jpg 2048w, https:\/\/www.irs.com\/wp-content\/uploads\/2021\/12\/luah-jun-yang-arLrcu7ZVwE-unsplash-1-15x12.jpg 15w\" sizes=\"auto, (max-width: 528px) 100vw, 528px\" \/><\/p>\n<h2>Taxable vs. Non-Taxable Income: FAQ<\/h2>\n<p><b> 1. What exactly is non-taxable income?<\/b><b><br \/>\n<\/b>Non-taxable income is money that the IRS doesn\u2019t require you to include when filing your tax return. This could be government benefits, certain insurance payouts, or even gifts.<\/p>\n<p><b> 2. Are Social Security benefits considered non-taxable?<\/b><b><br \/>\n<\/b>It depends! If Social Security is your only source of income, it\u2019s likely not taxable. But if you have additional income, a portion of your benefits might be subject to tax.<\/p>\n<p><b> 3. Can I avoid taxes by receiving money as a gift?<\/b><b><br \/>\n<\/b>Yes and no. While receiving a gift isn\u2019t taxable for you, the person giving it might have to pay a gift tax if the amount exceeds the annual exclusion ($18,000 in 2024).<\/p>\n<p><b> 4. Is unemployment income non-taxable?<\/b><b><br \/>\n<\/b>No, unemployment benefits <b>are<\/b> taxable. Unlike some government benefits, you\u2019ll need to report unemployment income when filing your taxes.<\/p>\n<p><b> 5. Do I need to report non-taxable income on my tax return?<\/b><b><br \/>\n<\/b>Generally, you don\u2019t need to report it\u2014but keep records just in case. Some forms of non-taxable income might still need to be listed on certain tax documents.<\/p>\n<p><b> 6. Are inheritances considered taxable income?<\/b><b><br \/>\n<\/b>In most cases, no! Inheritance itself isn\u2019t taxable, but if it earns interest or generates income (like from rental properties), those earnings could be taxable.<\/p>","protected":false},"excerpt":{"rendered":"<p>Generally speaking, the IRS considers almost every type of income under the sun to be taxable income. No surprises there, right? However, there are a few but significant exceptions, which are non-taxable income streams. What are they and how do they work? Let\u2019s dive in! What Types of Income Are Subject to Tax? Are you [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":12128,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[13,18,24,30,25,36,37,39,19],"tags":[],"class_list":["post-569","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tax-resources","category-capital-gains-tax","category-divorce-advice-taxpayers","category-federal-tax-returns","category-inheritance-tax","category-past-tax-returns","category-paying-taxes","category-tax-strategies","category-taxes-and-investments"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.irs.com\/es\/wp-json\/wp\/v2\/posts\/569","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.irs.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.irs.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.irs.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.irs.com\/es\/wp-json\/wp\/v2\/comments?post=569"}],"version-history":[{"count":10,"href":"https:\/\/www.irs.com\/es\/wp-json\/wp\/v2\/posts\/569\/revisions"}],"predecessor-version":[{"id":12539,"href":"https:\/\/www.irs.com\/es\/wp-json\/wp\/v2\/posts\/569\/revisions\/12539"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.irs.com\/es\/wp-json\/wp\/v2\/media\/12128"}],"wp:attachment":[{"href":"https:\/\/www.irs.com\/es\/wp-json\/wp\/v2\/media?parent=569"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.irs.com\/es\/wp-json\/wp\/v2\/categories?post=569"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.irs.com\/es\/wp-json\/wp\/v2\/tags?post=569"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}