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If I could give 10 stars I would If I could give 10 stars I would Such an amazing service so needed during the times when EDD almost never picks up Claimyr gets me on the phone with EDD every time without fail faster. A much needed service without Claimyr I would have never received the payment I needed to support me during my postpartum recovery. Thank you so much Claimyr!
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An incredibly helpful service! Got me connected to a CA EDD agent without major hassle (outside of EDD's agents dropping calls – which Claimyr has free protection for). If you need to file a new claim and can't do it online, pay the $ to Claimyr to get the process started. Absolutely worth it!
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Used this service a couple times now. Before I'd call 200 times in less than a weak frustrated as can be. But using claimyr with a couple hours of waiting i was on the line with an representative or on hold. Dropped a couple times but each reconnected not long after and was mission accomplished, thanks to Claimyr.
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Has anyone had their tax software miscalculate their blended rate? I'm wondering if OP's concern about verifying the calculation is because something looks off in their numbers.
I've never seen the blended/effective rate calculation be wrong in major tax software since it's a pretty simple math formula (tax÷income). What's more common is people misinterpreting what the number means or expecting it to match their marginal bracket.
Thanks for asking this - it's part of what concerned me. The number just seemed so much lower than my bracket rate that I thought maybe there was an error. But after reading everyone's explanations, I understand now that the calculation is probably correct and I was just misunderstanding how tax brackets work!
I went through the exact same confusion last year! The difference between your 18.2% blended rate and 32% tax bracket is totally normal and actually shows the tax system is working as designed. Think of it this way: if you made $100k taxable income, you're NOT paying 32% on all $100k. You're paying 10% on the first ~$23k, 12% on the next chunk, 22% on the next chunk, and so on until only the final dollars get hit with that 32% rate. When you average it all out, you get that lower blended rate. To double-check your calculation, just take your total federal income tax (Form 1040, line 24) and divide by your taxable income (line 15). That should match the 18.2% your FreeTaxUSA is showing. As for owing money when you expected a refund - that's more about your withholding throughout the year versus your actual tax liability. The blended rate calculation itself is probably correct; you might have just had less tax withheld from your paychecks than what you actually owe.
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Wait, I think there might be some confusion in your post. You mentioned filing your federal return in February 2025, but California shows a refund issued in January 2025 - that timeline doesn't make sense since you can't get a refund processed before you even file! Are you maybe looking at last year's CA refund status by mistake? The state and federal systems are completely separate, so your CA refund status wouldn't affect your federal refund at all. For your federal return, if Where's My Refund is blank, definitely check your actual IRS transcript - that's where you'll see the real processing status. The WMR tool glitches out all the time but your transcript will show exactly what's happening with codes and dates.
Good catch on the timeline! That definitely doesn't add up. OP might be looking at 2024 tax year info or got confused between tax years. But yeah, transcript is definitely the way to go - WMR has been super unreliable this season. I've seen so many people get accurate info from their transcripts when WMR shows nothing.
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I just went through this exact scenario last week! My deposit date was April 10th, and like you, I've always received my refunds 1-2 days early in previous years. This year it showed up at 3:45pm on the exact deposit date. Did you by chance file using a different software this year? Or claim any different credits? I'm curious if there's a pattern to who's experiencing these timing changes.
I'm going through this exact same situation right now! My DDD is today (April 17th) and I've been checking my account obsessively since midnight. This is really helpful to read that so many others are experiencing the same timing changes this year. I filed with the same software I always use (TurboTax) and claimed the same credits as last year, so it doesn't seem to be related to filing method or credits claimed. My transcript shows TC846 with today's date and my account number is correct. Based on what everyone is sharing here, it sounds like I should expect it to hit sometime this afternoon rather than panicking that something went wrong. The IRS really should have communicated these processing changes better - a lot of people rely on those early deposits for bill planning! Thanks everyone for sharing your experiences. It's reassuring to know this is a widespread change and not an issue with my specific return.
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One important point about wash sales that nobody mentioned: if you sell at a GAIN, the wash sale rule doesn't apply at all! You can sell for a profit and immediately buy back with no tax consequences (other than owing taxes on the gain of course). I found this helpful when rebalancing - I try to sell my winners when I need to adjust position sizes.
Is there any waiting period for gains? Like could I sell TSLA at a $500 gain today and rebuy immediately tomorrow without any issues?
Nope, there's no waiting period for gains! You can sell TSLA at a $500 gain and literally buy it back seconds later if you want. The wash sale rule only applies to losses, not gains. The reason is that the IRS is mainly concerned with preventing you from artificially creating tax losses while maintaining essentially the same investment position. They have no problem with you paying taxes on gains, so there's no restriction on rebuying after selling at a profit.
Dumb question maybe but what happens at the end of the year with wash sales? If I have disallowed losses from December, do they just disappear?
This is actually a really important question! Wash sales that happen at year-end need special attention. If you sell at a loss in December and then buy back in January (within 30 days), that creates a wash sale that spans tax years. The loss doesn't disappear, but it gets added to the cost basis of your new shares purchased in January - which means you can't claim the loss on this year's taxes. You won't realize that benefit until you eventually sell those January shares (potentially next tax year or beyond). This is why some traders do "year-end tax planning" and avoid rebuying securities they've sold at a loss in December until after the 30-day window has passed.
Olivia Garcia
Have you verified whether your refund was processed through a third-party facilitator like SBTPG or Republic Bank? If you used tax preparation software with fees deducted from your refund, this introduces an additional processing layer that can delay deposits by 24-72 hours beyond your DDD. What payment method did you select when filing, and did you receive confirmation that your banking information was accurately transmitted to the IRS?
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Zara Mirza
@Theodore Nelson, I had the exact same situation last year with Chime and a 3/13 DDD. Mine didn't show up until 3/15, which had me panicking. Turned out there was a weekend processing delay that pushed it back. Since 3/13 fell on a Wednesday this year, you should definitely have it by now if everything processed normally. I'd recommend checking your Chime account for any pending transactions first, then calling their customer service line. They can see incoming ACH transfers before they post to your account. If Chime shows nothing incoming, then you'll want to contact the IRS to verify the refund was actually sent to the correct account. Also double-check your transcript shows TC 846 with your correct account number - sometimes there are routing errors that cause delays.
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