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My tax lady said direct deposits usually hit Wednesday or Thursday after presidents day. Been filing with her for 5 years and shes always right
Same situation here! Filed Jan 27th with EITC and CTC. From what I've read, the IRS systems will still process on Feb 15th even though it's Saturday, but yeah the banking delays from Presidents Day weekend mean we're probably looking at Feb 19th-21st for actual deposits. It's frustrating but at least we know the PATH hold will officially lift on time.
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StarSurfer
Friendly reminder to everyone: dont count on refund dates until you see code 846. The IRS be playing games fr
Ava Martinez
ā¢facts šÆ learned that lesson last year
Your transcript looks pretty standard for early 2025 processing! The cycle code 20250605 with the Feb 24 processing date is actually a good sign - you're in regular processing without any review holds. The missing dollar amounts are normal at this stage - they'll populate once your return moves further through the system. The April 15 dates you're seeing are just tax year placeholders, not your actual refund date. Based on your cycle and processing timeline, you should see movement on your transcript by early March, possibly with a refund date around March 3-7 if everything continues smoothly. Keep checking your transcript weekly - once you see code 846 with a date, that's your official refund deposit date!
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Kyle Wallace
My accountant told me the Colorado processing system had some major crash in april that caused massive backlog. theyre still working through it. lots of returns from march-april period are taking 3-4 months this year
Ryder Ross
Fwiw I've been using taxr.ai for the last few months to monitor all my tax stuff and it's been incredibly helpful for decoding what's happening with both my federal and state taxes. It actually explained my CO refund delay when the state website was useless. I recommend giving it a try - https://taxr.ai
Alright, I broke down and tried it. And... I gotta admit you're right. It identified that my return was flagged for a manual review due to a discrepancy in my reported state withholding amount (which I had no idea about). Really helpful tool.
Same experience here - was stuck for months with zero info from the CO website. Taxr.ai actually showed me my return was held up because of an AGI mismatch between federal and state. Fixed it through the state portal and got my refund 2 weeks later. Sometimes you need tools that actually explain what's going on instead of just "processing" status updates.
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Zara Malik
Great question! The switch from bi-weekly to semi-monthly pay frequency won't affect your actual tax liability - you'll owe the same amount to the IRS regardless of how often you get paid. However, there are a few practical considerations worth noting. With semi-monthly pay, you'll receive 24 paychecks per year instead of 26, so each paycheck will be slightly larger. This means more taxes will be withheld from each individual check, but your total annual withholding should be similar. The real factor here is your salary increase from $58,000 to $72,000. This 24% jump will likely push some of your income into a higher tax bracket, so you'll definitely want to update your W-4 with your new employer. The old system of claiming "0 deductions" doesn't exist on the current W-4 form - it was redesigned in 2020 to be more straightforward. I'd recommend using the IRS Tax Withholding Estimator (available on irs.gov) to determine the right withholding for your new salary. This tool will help you fill out your W-4 correctly and avoid either owing money at tax time or giving the government an interest-free loan through over-withholding. Also, don't forget to factor in any pre-tax deductions like 401(k) contributions or health insurance premiums, as these will affect your taxable income calculation.
This is really helpful, thank you! I'm curious about something you mentioned - when you say some of my income will be pushed into a higher tax bracket, does that mean ALL of my income gets taxed at the higher rate, or just the amount above the bracket threshold? I've always been confused about how tax brackets actually work and whether getting a raise could somehow result in less take-home pay.
Ava Johnson
ā¢Great question! Tax brackets are progressive, which means only the income ABOVE each bracket threshold gets taxed at the higher rate - never all of your income. So getting a raise will never result in less take-home pay due to taxes. Here's how it works for 2024 (single filer): The first $11,000 you earn is taxed at 10%, the next portion ($11,001 to $44,725) at 12%, and the next portion ($44,726 to $95,375) at 22%. With your jump from $58k to $72k, you were already in the 22% bracket before. The additional $14k will just be taxed at that same 22% rate. You might see a slightly higher effective tax rate overall, but you'll definitely take home more money with the higher salary. The key is making sure your withholding keeps up with the higher income so you don't owe at tax time. That's why using the IRS withholding estimator is so important when you change jobs with a salary increase.
Zara Ahmed
The pay frequency change itself won't impact your taxes at all - you'll owe the same amount whether you're paid bi-weekly or semi-monthly. The main difference is that with semi-monthly pay, you'll get 24 larger paychecks instead of 26 smaller ones, so your withholding per paycheck will be proportionally higher. However, your salary increase from $58k to $72k is definitely something to address on your W-4. That's a significant jump that will likely push some of your income into the 22% tax bracket. Since the W-4 was redesigned in 2020, the old "claiming 0" system doesn't apply anymore - the new form is actually much more straightforward. I'd strongly recommend using the IRS Tax Withholding Estimator tool on irs.gov when you start your new job. It will walk you through exactly how to fill out your W-4 based on your new salary and help ensure you're not under-withheld. Starting a new job in January is actually perfect timing since you'll have the full year for proper withholding rather than trying to catch up mid-year. One bonus tip: with your higher salary, consider whether you want to increase your 401k contribution rate to take advantage of the additional income while reducing your taxable income at the same time!
Great questions! For the 401k contribution increase, a common approach is to allocate about 50% of any raise to retirement savings. So if your salary is jumping by $14k, consider increasing your 401k contributions by around $7k annually (which would be about 10% on a $72k salary). This way you still see a meaningful boost in take-home pay while significantly improving your retirement savings rate. You could start at 8-10% and then bump it up by 1% each year until you reach that 15% target - this makes it less of a shock to your budget. The IRS Withholding Estimator is pretty comprehensive and will ask about deductions, but it focuses mainly on tax-related items like student loan interest deduction, mortgage interest, charitable donations, etc. It won't factor in your monthly student loan payments themselves since those don't directly affect your tax withholding (unless you qualify for the student loan interest deduction). The key is to be thorough when filling it out - include any side income, spouse's income if married, expected deductions, etc. It's surprisingly detailed and will give you very specific W-4 guidance based on all that information.
Monique Byrd
ā¢Great questions! For the 401k contribution increase, a common approach is to allocate 50-75% of any salary increase toward retirement savings while keeping the rest for lifestyle improvements. With a $14k salary bump, you could comfortably increase your contribution rate by 2-4 percentage points without feeling a big pinch in your take-home pay. The IRS Tax Withholding Estimator is pretty comprehensive - it does account for student loan interest deductions (up to $2,500 annually), standard vs itemized deductions, and other common tax situations. However, it focuses mainly on federal withholding calculations, so you'll want to input things like student loan payments in the "other deductions" section if they're tax-deductible. One thing the estimator might not fully capture is state-specific deductions, so if you have significant state tax considerations, you might want to also check if your state has its own withholding calculator. But for federal purposes, it should give you a solid foundation for filling out your W-4 accurately. Starting fresh in January really is ideal timing for both of you - no mid-year catch-up calculations needed!
Ethan Taylor
mine took exactly 12 days to come. hang in there!
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Carmen Lopez
Same situation here - filed about 2.5 weeks ago and still waiting on my 5071C letter. The uncertainty is killing me! Has anyone had luck with the online ID.me verification process, or is the phone/letter route really the only way? Also wondering if the postal service delays might be making this even longer than usual.
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