(Closed) tax return for a newly married

posted 6 years ago in Married Life
Post # 3
2622 posts
Sugar bee
  • Wedding: November 1999

It wont matter what your w-4 says. It only adjusts what you pay or dont pay in taxes. What matters is what your status is on the taxe form.

It may be a good thing you paid more. Many people end up owing taxes when they first file as married. You may get a return or break even now.  If you did over pay, it will come back to you.

Post # 4
1038 posts
Bumble bee
  • Wedding: October 2012

Me and my husband haven’t changed our w-4s yet.  We married in Oct 2012 and just did our taxes and are actually getting a refund.  We are so confused  on changing our w-4s cause it looks like if we do, we get less taken out in taxes but will actually owe next year.  Until we figure it out(we plan on seeing a CPA to discuss this matter more at depth) are we ok to just leave our w-4s the way they are now?


We filed as married, jointly for 2012 btw.

Post # 5
8168 posts
Bumble Beekeeper

@tico:  That’s not how it works. The W4 tells your employer how much to withhold. The more they withhold throughout the year, the more you get back (or the less you end up owing) when you file the next year. My husband and I always claim 0 on our W4s even though we’re married with kids. This means we have a lot of taxes taken out, but then we get a big refund. (Some people see this as giving the government a free loan, but I like getting that big check.)

If you and your husband both work, you probably do NOT want both of you to claim 2 on your W4s because you will almost certainly end up owing taxes at the end of the year. 

Post # 6
3229 posts
Sugar bee

You claim it on your tax return – that is the point of a refund. The government is refunding the money that was over withheld. 

Post # 7
11233 posts
Sugar Beekeeper
  • Wedding: August 2013

@Daisy_Mae:  Same here. The government needs that couple thousand dollars more than I need the extra tens of dollars per paycheck. I like getting my refund–it’s a much better savings plan (since I don’t see that money) than trying to put it in a bank account at none percent interest.

Post # 8
11166 posts
Sugar Beekeeper

@vorpalette:  agreed! We both still claim zero having the maximum deducted. With my husbands income as six figures adding mine bumped us into a highly taxable bracket. We are getting back a good size refund whereas most people (according to our accountant) in our situation end up owing.

it is a lot easier to spend less throughout the year than paying back the IRS in one big chunk.

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