Cómo calculamos y verificamos nuestras cifras
Las cifras de taxes afectan decisiones reales, así que queremos que puedas comprobar las nuestras. Aquí explicamos de dónde sale cada número, qué suponen nuestras calculadoras y cómo detectamos errores.
1. Solo fuentes oficiales
Cada tasa, límite y fecha sale de una fuente primaria: procedimientos, avisos, formularios e instrucciones del IRS, y la Administración del Seguro Social (SSA). Cada calculadora enumera sus fuentes al final de la página. No copiamos cifras de otras calculadoras ni de blogs.
2. Un solo lugar para las cifras de cada año
Todas las cifras de un año fiscal viven en un único archivo de datos, cada una junto al enlace de su fuente. Cuando el IRS publica cifras nuevas, actualizamos ese archivo y todas las calculadoras y guías cambian a la vez. Año fiscal actual: 2026, revisado por última vez el 2026-09-22.
3. Comprobado contra el IRS
Las cuentas de nuestras calculadoras tienen pruebas automáticas. Por ejemplo, nuestra función del impuesto federal sobre la renta debe reproducir, al centavo, todos los importes de las tablas de tasas del IRS para los cuatro estados civiles, y nuestra función de self-employment tax debe seguir los pasos del Schedule SE. Si una prueba falla, el sitio no se actualiza.
4. Qué suponen nuestras calculadoras
Nuestros resultados son estimaciones. Salvo que una calculadora diga otra cosa, supone:
- Solo taxes federales. No incluye impuestos estatales ni locales.
- La deducción estándar, no deducciones detalladas (itemized).
- Sin créditos fiscales (como el Child Tax Credit o el EITC), que pueden bajar lo que pagas.
- Para la deducción por ingresos de negocio calificados (QBI): un solo negocio en el que participas activamente, sin empleados en nómina y sin bienes importantes del negocio. Es lo típico en freelancers y choferes de apps.
- Sin ganancias de capital ni ingresos de otros negocios o sociedades.
Hacemos las cuentas con centavos y solo redondeamos lo que te mostramos. El IRS permite redondear a dólares enteros en la declaración, así que tus formularios pueden variar unos pocos dólares.
5. Tu privacidad
Las calculadoras funcionan completamente en tu navegador. Los números que escribes no se nos envían ni se guardan en ningún sitio. Si usas el botón "copiar enlace", tus números quedan guardados solo en ese enlace: compártelo solo con personas de confianza.
6. Correcciones
Si crees que una cifra está mal, avísanos en hola@netacalc.com. Revisamos cada aviso, corregimos rápido los errores confirmados y actualizamos la fecha de revisión de la página.
7. Lo que NetaCalc no es
NetaCalc es un recurso educativo, no un preparador de taxes ni un asesor. Explicamos las reglas y hacemos las cuentas; no te decimos qué hacer en tu caso concreto. Para decisiones importantes, habla con un profesional de taxes, como un CPA o un Enrolled Agent.
Fuentes
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- IRS Rev. Proc. 2025-32irs.gov
- IRS: Self-employment tax (Social Security and Medicare taxes)irs.gov
- IRS: About Schedule SE (Form 1040)irs.gov
- SSA: Contribution and benefit basessa.gov
- IRS: Questions and answers for the Additional Medicare Taxirs.gov
- IRS: Estimated taxesirs.gov
- IRS: Form 1040-ES, Estimated Tax for Individuals (2026)irs.gov
- IRS Publication 505: Tax Withholding and Estimated Taxirs.gov
- IRS: Form 2210, Underpayment of Estimated Taxirs.gov
- IRS Direct Payirs.gov
- IRS: EFTPS, the Electronic Federal Tax Payment Systemirs.gov
- IRS: Instructions for Forms 1099-MISC and 1099-NECirs.gov
- IRS: Form 1099-NEC and independent contractorsirs.gov
- IRS: FAQs on the Form 1099-K threshold under the One, Big, Beautiful Billirs.gov
- IRS: Understanding your Form 1099-Kirs.gov
- IRS: What to do if you receive a Form 1099-Kirs.gov
- IRS: Backup withholdingirs.gov
- IRS: Simplified option for home office deductionirs.gov
- IRS: Instructions for Schedule C (Form 1040)irs.gov
- IRS: Quarterly interest ratesirs.gov
- IRS: Individual Taxpayer Identification Number (ITIN)irs.gov
- IRS: How do I apply for an ITIN?irs.gov
- IRS Tax Topic 857: Individual taxpayer identification number (ITIN)irs.gov
- IRS: Instructions for Form W-7irs.gov
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- IRS: Business structuresirs.gov
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- IRS: Single member limited liability companiesirs.gov
- IRS: S corporationsirs.gov
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- IRS: One-participant 401(k) plansirs.gov
- IRS: Instructions for Form 7206, Self-Employed Health Insurance Deductionirs.gov
- IRS Publication 974: Premium Tax Credit (PTC)irs.gov
- HealthCare.gov: Health coverage for the self-employedhealthcare.gov
- IRS: Home office deductionirs.gov
- IRS: About Form 8829, Expenses for Business Use of Your Homeirs.gov
- Stripe: Guide to 1099 tax forms for Instacart shopperssupport.stripe.com
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- IRS: Failure to file penaltyirs.gov
- IRS: Failure to pay penaltyirs.gov
- IRS: Interestirs.gov
- IRS: Payment plans, installment agreementsirs.gov
- IRS: Online payment agreement applicationirs.gov
- IRS Tax Topic 202: Tax payment optionsirs.gov
- IRS: Offer in compromiseirs.gov
- IRS: Understanding your IRS notice or letterirs.gov
- IRS: Understanding your CP2000 series noticeirs.gov
- IRS: Understanding your CP14 noticeirs.gov
- IRS: IRS auditsirs.gov
- IRS: How to know it is really the IRS calling or knocking on your doorirs.gov
- IRS: Taxpayer Bill of Rightsirs.gov
- IRS: State government websitesirs.gov
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- IRS Tax Topic 503: Deductible taxesirs.gov
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- IRS: Check if you need to file a tax returnirs.gov
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- IRS: Manage taxes for your gig workirs.gov
- IRS: Instructions for Form 8995irs.gov
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- IRS: Instructions for Form 1040 (EIC Worksheet B for the self-employed)irs.gov
- Social Security Administration: Quarter of coveragessa.gov
- Social Security Administration: Social Security credits and benefit eligibilityssa.gov
- Social Security Administration: my Social Security accountssa.gov
- IRS: Paymentsirs.gov
- IRS: Direct Pay helpirs.gov
- IRS: Pay your taxes by debit or credit card or digital walletirs.gov
- IRS: Pay your taxes with cashirs.gov
- IRS: How long should I keep records?irs.gov
- IRS: What kind of records should I keepirs.gov
- IRS Tax Topic 305: Recordkeepingirs.gov
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- IRS Tax Topic 511: Business travel expensesirs.gov
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- IRS: About Form W-9, Request for Taxpayer Identification Number and Certificationirs.gov