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Is it too late to file for 2022 taxes this year? Deadline concerns
Title: Is it too late to file for 2022 taxes this year? Deadline concerns 1 I haven't filed my taxes for 2022 and 2023 yet and I'm starting to worry. With everything going on in my life (divorce, moving twice, and starting a new job), taxes were the last thing on my mind. Now I'm wondering if it's too late to get both years done in 2025? Will I still be able to claim any refunds I might be owed for 2022? I know I should have done this sooner but honestly I've been overwhelmed. I don't even know where to start at this point. Any advice would be super appreciated!
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TurboTax Advance Refund Delays 2025 - Accepted by IRS but No Advance or Communication
Filed with TurboTax and got accepted by the IRS but still waiting on the advance. Been 5 days since acceptance but no email about approval or denial, and nothing hit my account. Anyone else having this issue with their advance this year?
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LPT: Check your credit karma money account if you have one. Sometimes it shows up there before the TT account for sum reason
Same issue here! Filed on the 16th, got IRS acceptance within hours, but it's been 6 days with zero communication from TurboTax about the advance status. Not even a denial email. Starting to think they oversold their advance capacity this year and are just hoping people forget about it 😤 Anyone know if there's a way to check advance status without calling their useless support line?
How to Adjust Withholding to Get Tax Refund As Close to $0 As Possible After Buying a Home
So excited to share that I finally bought my first house in March! It's been going great, but I just realized something about taxes that I'm not sure how to handle. With the mortgage interest deduction, I'm going to get a way bigger tax refund than normal next year. Here's the thing - I've always tried to get my refund as close to zero as possible so I'm not giving the government an interest-free loan all year. But I'm terrible at actually making this happen. Most years I end up with a refund of like $1,500-2,000 which drives me crazy. With this new mortgage interest deduction (paying about $1,850/month with most going to interest), I'm guessing my refund is going to be even higher unless I make some changes now. What's the best way to adjust things so I can get closer to a zero refund for next filing season? Should I change my W-4? Adjust my withholding? I'm pretty clueless about the best approach here. Thanks for any advice!
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Great question about adjusting withholding after buying a home! I went through this exact situation a couple years ago. One thing to keep in mind is that the mortgage interest deduction isn't as straightforward as it used to be since the Tax Cuts and Jobs Act increased the standard deduction significantly. Before making any W-4 changes, I'd recommend calculating whether you'll actually be itemizing or taking the standard deduction. For 2024, you need more than $14,600 in itemized deductions as a single filer (or $29,200 if married filing jointly) to beat the standard deduction. This includes your mortgage interest, property taxes, state income taxes, and any other deductible expenses. If your total itemized deductions don't exceed the standard deduction, then buying the house won't actually change your tax liability much, and you might not need to adjust your withholding at all. If you will be itemizing, then yes, definitely use one of the tools mentioned here like the IRS withholding calculator or consider talking to a tax professional. They can help you figure out the exact adjustment needed based on your specific situation.
This is exactly why I love this community - so much helpful advice! As someone who works in tax preparation, I'd add one more consideration: timing your withholding adjustment strategically throughout the year. Since you bought in March, you'll have 10 months of mortgage interest to deduct this year. But next year you'll have the full 12 months, which means your tax situation will be different between this year and next year. My suggestion would be to calculate your withholding adjustment based on this year's partial mortgage interest first, then plan to readjust your W-4 again in January for the full-year impact. This prevents you from over-adjusting and ending up owing money at tax time. Also, don't forget about property taxes if you're escrowing them - those count toward your itemized deductions too and can make a significant difference in whether itemizing beats the standard deduction. The tools mentioned here (IRS calculator, TurboTax calculator, taxr.ai) are all solid options. Pick whichever interface feels most comfortable to you and run the numbers!
Yes, exactly! When your property taxes are included in your mortgage payment (escrowed), you can still deduct them. Your mortgage servicer will send you a Form 1098 at the end of the year that shows both your mortgage interest AND the property taxes they paid on your behalf. You'll see the property tax amount in Box 5 of the 1098 form. The key thing to remember is that you deduct property taxes in the year they were actually PAID by your lender, not necessarily when you made the mortgage payments. So if your December 2024 mortgage payment included property tax money that your lender didn't pay to the county until January 2025, you'd deduct that in 2025. But honestly, most people don't need to worry about this timing detail - the 1098 form will show exactly what was paid in each tax year, so just use those numbers when you're calculating your itemized deductions. This is another reason why it's good to wait until you get your 1098 before making major withholding adjustments!
@4df4be235465 Yes, exactly! When your property taxes are escrowed (included in your monthly mortgage payment), you can still deduct them. The key is that you deduct them in the year they're actually paid to the taxing authority, not when you pay into the escrow account. So if your lender pays your 2024 property taxes to the county in December 2024, you'd deduct that amount on your 2024 tax return, even though you've been contributing to the escrow account all year through your monthly payments. Your mortgage servicer should provide you with a Form 1098 at the end of the year that shows both your mortgage interest paid AND the property taxes they paid on your behalf. This is another reason why it's helpful to contact your lender or check your loan documents to get an estimate of your annual property tax amount when you're calculating your potential itemized deductions. Don't forget about any PMI (private mortgage insurance) premiums either - those might also be deductible depending on your income level.
Despite Both Claiming 0 Allowances on W4 Forms, Wife and I Still Owe Federal Taxes - Help!
So frustrated right now and hoping someone can help! My wife and I both claim 0 allowances on our W4s at work, but somehow we STILL end up owing federal taxes every year. Our combined household income is around $223,000 annually. I seriously thought claiming 0 was supposed to withhold the maximum amount? I'm sick of getting hit with a big tax bill every April when I thought we were doing everything right. Should we not be claiming 0 allowances anymore with the new W4 forms? I absolutely hate having to come up with all this extra money at tax time when we're trying to save for a house. What should we update on our W4s so we don't have to pay a surprise amount every year? Has something changed with withholding calculations recently?
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Has anyone tried just doing an extra flat amount of withholding? My husband and I had the same problem (both claimed 0, still owed $3k+ every year). I just calculated how much we owed, divided by 26 pay periods, and added an extra $125 withholding per paycheck in line 4(c). Way simpler than trying to figure out all these worksheets and multiple jobs calculations.
This is actually pretty smart. No complex calculations, just fixing the shortfall directly. I might try this approach since my eyes glaze over with all the W4 worksheet stuff.
I went through this exact same situation last year! My spouse and I were both claiming 0 on our old W4s and still owed about $2,800 at tax time. It's so frustrating when you think you're doing everything right. What really helped me understand the issue was realizing that the withholding tables assume your job is your only income source. So when you have two decent incomes like yours ($223k combined), each employer is withholding based on tax brackets that don't account for your spouse's income pushing you into higher brackets. I ended up using the IRS Tax Withholding Estimator online (it's free on the IRS website) and it calculated exactly how much extra we needed to withhold. We put an additional $110 per paycheck on my W4 in Step 4(c), and this year we're actually getting a small refund instead of owing thousands. The estimator walks you through everything step by step and you can adjust it if your income changes throughout the year. Much better than stressing about a huge tax bill every April when you're trying to save for a house!
What happens if both me and my parents claim my 1098-T on our tax returns?
I'm in a bit of a weird situation and super confused about how to handle this. I just moved into my own place after finishing fall semester, but my parents are still claiming me as a dependent (I'm 19). This is literally my first time ever filing taxes on my own and I only have two W-2s and my 1098-T form from college. I'm trying to file my taxes this weekend while my parents won't be doing theirs until the end of the month. Should I be including my 1098-T when I file? I'm worried because I heard education credits are a big deal, but I don't want to mess things up if my parents are supposed to claim it since they're listing me as a dependent. What would happen if we accidentally both claimed the same 1098-T? Would the IRS freak out and audit us or something? Any help is really appreciated! I'm stressing out about doing this wrong.
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Everyone's talking about the education credits but nobody's mentioned the tuition and fees deduction! It's another option that might be better depending on your parents' tax situation.
The tuition and fees deduction expired after 2020. It's no longer available for current tax returns. The education credits (American Opportunity Credit and Lifetime Learning Credit) are the only options now.
Hey Daniel! I went through this exact same situation last year when I was 20 and still claimed as a dependent. The key thing is coordination with your parents - you absolutely should NOT claim your 1098-T if they're claiming you as a dependent, but you also need to make sure they actually have the form and know to use it. What I did was give my parents a copy of my 1098-T along with a summary of what I paid versus what they paid for my education expenses. This helped them figure out which education credit to claim and avoid any issues. Also, double-check that they're actually planning to claim you as a dependent - sometimes there are situations where it might be better for the family overall if they don't claim you and you file independently instead. The good news is that if you just have W-2 income and you're not claiming education credits, your return should be pretty straightforward to file. Just don't rush into filing before talking to your parents about the 1098-T situation!
Yes, I made a simple breakdown showing who paid what! I listed tuition payments, fees, books, and other qualified expenses with who paid each one. You don't need every receipt, but having the major payment info helps your parents claim the right amount for credits. For figuring out independent vs dependent filing, there are online calculators that can help. Generally, if your parents are in a higher tax bracket, they benefit more from the education credits than you would. But if you had significant income or your parents' income is too high to qualify for certain credits, filing independently might be better. The American Opportunity Credit phases out at higher income levels for parents, so that's something to consider. I'd recommend using one of those "dependent vs independent" tax calculators online, or even better, run the numbers both ways using tax software to see which scenario gives your family the better overall result before anyone files!
@f91f4f4355b9 can probably give you more specifics, but from what I understand you don't necessarily need every receipt - the 1098-T shows the basics like tuition paid and scholarships received. However, it's helpful to note things like who actually made the payments (you vs parents) and any additional expenses like books or fees that might qualify for credits. For figuring out whether you should file independently, you'd want to compare: (1) the tax benefit your parents get from claiming you as a dependent plus any education credits they can claim, versus (2) any education credits you could claim if you filed independently minus the dependency exemption your parents would lose. There are some online calculators for this, but honestly the tax tools people mentioned earlier like taxr.ai might be able to analyze your specific situation and show you both scenarios side by side.
Reginald Blackwell
22 Quick question - I also need to file 2022 taxes late, but I moved states in 2023. Do I file state taxes based on where I lived in 2022 or where I live now?
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Reginald Blackwell
Author8 You file state taxes based on where you lived during the tax year you're filing for. So for your 2022 return, you would file state taxes for the state you lived in during 2022, regardless of where you live now.
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Fatima Al-Mansour
Don't panic - you're definitely not too late! I was in almost the exact same situation a couple years ago (also dealing with a divorce and multiple moves). The key thing to remember is that if you're owed refunds, there are no penalties for filing late - you just won't get interest on the refund money. For 2022, you have until April 18, 2026 to claim any refund (3 years from the original due date). For 2023, you have until April 15, 2027. If you end up owing money instead, yes there will be penalties and interest, but the IRS is usually pretty reasonable about setting up payment plans. My advice: gather all your tax documents for both years, start with 2022 since it's older, and consider using a tax professional if your situation got complicated during the divorce (asset splits, alimony, etc. can affect your taxes). The relief you'll feel once you get caught up is totally worth it!
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