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One thing nobody has mentioned yet - are you using the same filing status as your friend? If you're filing as single and she's filing as head of household somehow, that could explain the difference in refunds. Also, if she has any educational expenses, child tax credits, or earned income credits that you don't qualify for, that would create a big difference. The W-4 is usually the culprit though. You might want to use the IRS Tax Withholding Estimator on their website. It's pretty accurate and will tell you exactly how to fill out your W-4 based on your specific situation.
Dyllan Nantx
ā¢Thanks for your suggestions! We're both filing as single. She doesn't have kids or anything like that either. I'll definitely check out that IRS withholding calculator though - didn't even know that existed!
your friend is probably not filing correctly tbh. i used to work for a tax prep place and sooo many people think they can claim themselves as dependents but thats not a thing. your friend is either claiming credits she shouldnt be or shes getting earned income credit which has income limits. small refund is actually GOOD. it means your not overpaying all year. adjust your w4 if you want more in your checks. bigger refund just means you gave govt free loan all year.
Tate Jensen
ā¢This!! I don't understand why people get excited about big refunds. That's YOUR money you could have had all year long. I always aim for owing or getting back less than $100 because that means I calculated everything just right.
Dyllan Nantx
ā¢This makes sense. I just always thought bigger refunds were better, like a forced savings account. But I like the idea of having more in each paycheck instead. Do you think I should just talk to HR about changing my W4?
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Anna Stewart
Don't forget to check if the LLC is a pass-through entity. If it's a single-member LLC, it's likely reported on Schedule C (which you've got), but if it's a multi-member LLC it might be reported on different forms. Also look for Form 1125-E which would show compensation of officers if they're taking a salary from the business. Some LLC owners deliberately keep their taxable income low through legitimate business deductions, but have plenty of cash flow to cover rent.
Ella Russell
ā¢She did mention it's just her in the business. Where would I find Form 1125-E? Is that part of the standard tax return package?
Anna Stewart
ā¢If it's just her in the business, then she's probably operating as a single-member LLC which is treated as a sole proprietorship for tax purposes. In that case, Schedule C is where all her business income and expenses would be reported, and you wouldn't see Form 1125-E. The Schedule C net profit ($43,325 in your case) would flow directly to her personal 1040 form and be subject to both income tax and self-employment tax. For rental qualification purposes, many landlords add back certain non-cash expenses like depreciation to get a better picture of actual cash flow. You might want to look at her personal bank statements for the past 6-12 months to see what she's actually depositing/withdrawing regularly.
Have you considered requesting her personal tax return (Form 1040) along with the Schedule C? The Schedule C only shows the business profit/loss, but doesn't include any other income she might have. Maybe she has multiple income sources?
This is good advice. I've had applicants with multiple Schedule Cs for different businesses, plus investment income, etc. The full 1040 gives you the complete picture.
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Diego Rojas
Don't forget the safe harbor rule for estimated taxes! As long as you pay either 100% of last year's tax (110% if your AGI was over $150,000) or 90% of this year's tax, you won't face penalties. So if you're struggling with the exact calculations, you can just use 100% of your 2022 tax divided by 4 for each quarterly payment.
That's actually really helpful to know about the safe harbor rule! So if I just take my 2022 total tax and divide by 4, I'm completely covered for this year? Even if I'm making significantly more this year than last year?
Diego Rojas
ā¢If your income for 2022 was below $150,000 (AGI), then yes, paying 100% of your 2022 tax spread across your four quarterly payments will fully protect you from underpayment penalties regardless of how much more you earn this year. If your 2022 AGI was over $150,000, you'll need to pay 110% of your 2022 tax to qualify for the safe harbor. It's a really useful rule when your income fluctuates or increases, especially for self-employed folks who might not know their exact income until the year ends.
Is anyone else annoyed that the 1040-ES and self-employment tax worksheets aren't better integrated? Like why do I have to jump back and forth between multiple forms just to figure out what to pay? The IRS could make this so much simpler!
StarSeeker
ā¢Totally agree! And the instructions are written in the most confusing way possible. I'm convinced they do it on purpose so we mess up and they can charge penalties. I spent 3 hours just trying to figure out my first quarterly payment.
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Tate Jensen
One thing nobody's mentioned yet - check if your 401k had any after-tax contributions. If part of your 401k was funded with already-taxed money, that portion wouldn't have withholding applied when distributed, which might explain why the numbers look off. Also, sometimes the early withdrawal penalty isn't technically "withholding" - it gets calculated separately when you file your return using Form 5329. That could explain part of the discrepancy. Look at Box 7 of your 1099-R for the distribution code. If it shows code "1" that means early distribution with no known exception. If there's a different code, that might explain what's happening.
Thanks for bringing this up. The distribution code is definitely "1" for early withdrawal. And I never made after-tax contributions to this 401k - it was all traditional pre-tax money through my employer. I understand the 10% early withdrawal penalty gets calculated on my tax return, but I'm certain the federal and state income tax withholding should show up on the 1099-R. When I requested the distribution, Fidelity's system specifically asked how much I wanted withheld for federal and state taxes, and I selected the percentages. That withholding definitely happened because the amount deposited to my bank was significantly less than the gross distribution.
Tate Jensen
ā¢You're absolutely right - if you elected to have federal and state taxes withheld during the distribution process, those amounts should definitely be reflected on the 1099-R in boxes 4 and 14 respectively. Since you're certain withholding occurred and have bank statements to prove the net amount received, I'd recommend escalating this at Fidelity. Ask specifically for their tax reporting department rather than general customer service. You might also request to speak with a supervisor if the first person isn't being helpful.
Adaline Wong
Make sure to look closely at ALL boxes on the 1099-R! Sometimes withholding is reported in different areas depending on how the plan is set up. Box 4 is federal income tax withholding and Box 14 is state tax withheld (though different states sometimes use different boxes). Also, check if you received multiple 1099-Rs. I once had a situation where the main distribution was on one form and the withholding was reported separately on a second form for some bizarre administrative reason.
Gabriel Ruiz
ā¢This happened to me too! My 401k company sent TWO different 1099-Rs for the same distribution - one showing the gross amount and a separate one showing the withholding. Made absolutely no sense but that's how they did it. Definitely check if there's another form coming.
LordCommander
One thing to consider that nobody mentioned: as a non-resident alien, your treaty benefits might be affected by information that would be on the K-3. Different countries have different tax treaties with the US regarding partnership income.
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Lucy Lam
ā¢This is a really important point. I'm from India and had issues with this exact situation. The K-3 contained country-specific information that qualified me for reduced withholding under the US-India tax treaty. Would have overpaid by about $1,200 if I hadn't waited for it.
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Brianna Schmidt
Thanks everyone for the advice! I decided to file an extension to be safe, but I also called the partnership using that phone service someone mentioned. They confirmed my K-3 will only have minimal information since my investment is small. They actually offered to send me a preliminary version of what my K-3 will look like when it's finalized!
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