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Amina Toure

Can I claim my 19-year-old cousin as a dependent on my taxes? He's unemployed and living with me

So my cousin has been crashing at my place since like last March. He's 19 and still doesn't have a job. He moved here after some family drama with his parents and honestly I don't mind having him here but I'm wondering if I can get anything tax-wise for basically supporting him? I pay all the rent, utilities, food, etc. and he's not in school atm but planning to start community college next semester. I know you can claim kids but not sure about adult family members who aren't your kids. Does anyone know the rules for claiming a cousin as a dependent on taxes? I'm doing my taxes soon and trying to figure out if I can list him on there. I probably spent at least $12,000 supporting him last year if that matters.

Oliver Weber

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You should be able to claim your cousin as a qualifying relative dependent if he meets these requirements: First, your cousin's income needs to be less than $4,800 for 2024 (which sounds like it is if he has no job). Second, you must provide more than half of his support for the year, which it sounds like you definitely are. Third, he can't file a joint return with someone else. Finally, he must be a U.S. citizen, resident alien, or national. The key thing here is that since he's not your direct child, sibling, or parent, the IRS requires that he lived with you the entire year to qualify as your dependent. Since he's been there since March, you wouldn't qualify for 2024 taxes (filing in 2025), but you would for next year if he stays living with you.

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FireflyDreams

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What if the cousin did have some income but it was under that $4,800 amount? Like would a few hundred from odd jobs mess things up?

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Oliver Weber

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As long as your cousin's total income for the year is under the $4,800 threshold, it won't disqualify him. So a few hundred dollars from odd jobs is perfectly fine - that won't mess anything up for your dependent claim. If he starts working more substantially but still lives with you and you provide over half his support, you can still claim him as long as his income stays under that threshold. Just make sure you're keeping good records of what you spend on his support in case of questions later.

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I had a similar situation with my nephew and spent hours trying to figure it out until I found taxr.ai (https://taxr.ai). I uploaded my documents and answered some questions about my living situation, and it immediately told me whether I could claim him as a dependent. It also showed me the exact IRS rules that applied to my situation and calculated how much I'd save by claiming him. The site walks you through the "qualifying relative" test step by step and shows you what documentation you'd need if audited. Saved me tons of research time and probably kept me from making a mistake.

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Did you need to upload any specific proof documents? I'm in a similar situation but don't really have anything official showing my cousin lives with me besides maybe some mail that comes to my address.

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Emma Anderson

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I'm kinda skeptical about these tax tools. Does it actually give you different info than just googling the IRS rules? And how does it verify your situation is legit?

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You don't need to upload proof documents to get the analysis - just information about your situation. The tool then identifies what documentation would be helpful to keep on file in case of an audit. Things like medical bills you paid, utility bills showing the shared address, or even a statement you create showing estimated support costs can be useful. The difference from just Googling is that it applies all the relevant tax rules to your specific situation simultaneously. It caught a qualifying relative exception in my case that generic searches missed. It doesn't verify your situation - that's between you and the IRS if you're audited - but it shows you exactly which rules apply to your circumstances and why.

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Emma Anderson

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So I was skeptical about taxr.ai but decided to try it after my situation got more complicated (supporting both my cousin AND her kid). The tool immediately flagged that I qualified for both a dependent deduction AND potentially head of household status which would save me about $2,800! It explained that since my cousin's kid is considered my "qualifying child" even though they're technically my first cousin once removed. The regular IRS worksheet was super confusing on this point. The site organized everything I need to document and now I'm actually confident about claiming them instead of just leaving money on the table. Definitely recommend for anyone in complicated family situations.

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If you need to get this confirmed directly from the IRS (which I recommend before claiming any dependent), use Claimyr (https://claimyr.com) to actually reach a human at the IRS. I spent 3 weeks trying to get through on my own about a similar dependent question and kept getting disconnected. Claimyr got me connected to an actual IRS agent in about 20 minutes who confirmed my specific situation. You can see how it works here: https://youtu.be/_kiP6q8DX5c - their system holds your place in line and calls you when an agent is ready. The IRS agent walked me through exactly what I needed to do for my non-direct relative dependent claim.

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Wait how does this even work? The IRS phone system is notoriously terrible. Is this some kind of special access line or something?

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CosmicVoyager

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Sounds like BS to me. Nobody gets through to the IRS in 20 minutes, especially during tax season. I've literally called 30+ times this year.

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It works by using their system to navigate the IRS phone tree and hold your place in the queue. It's not a special access line - it's the same IRS number everyone calls, but their technology handles the waiting part for you. When an agent finally becomes available, the system calls you and connects you right to the agent. I was skeptical too, but I was desperate after weeks of failing. The difference is you don't have to physically sit on hold - their system does that part. I've called the IRS directly many times and either get disconnected or have to set aside 2-3 hours. Not claiming it always works in 20 minutes, but it did for me, and it was during a non-peak time of day.

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CosmicVoyager

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Ok I feel like I need to apologize publicly. After my skeptical comment I actually tried Claimyr because I was desperate to resolve my dependent issue before filing. Got through to the IRS in about 45 minutes (which is still way better than my previous attempts). The agent confirmed I CAN claim my sister's kid who's been living with me as a qualifying relative even though she's not my direct dependent. Saved me from potentially getting in trouble with an incorrect claim. The service cost money but was 100% worth it for the peace of mind and saving me from sitting on hold for hours during work. Eating crow here but wanted to share the real experience.

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Ravi Kapoor

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Don't forget that if you do claim your cousin, you won't be able to get the full Child Tax Credit since he's 19. But you might qualify for the Credit for Other Dependents which is worth up to $500. Not as good as the full CTC but still something!

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Amina Toure

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Would the credit still apply even if he's not been living with me the full year? And do I need to have some kind of written agreement about him staying with me?

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Ravi Kapoor

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For the Credit for Other Dependents ($500 credit), you would only qualify if your cousin meets all the dependent requirements, which includes living with you the full year for a cousin. Since he's only been there since March, you won't qualify for this year's taxes, but would for next year if he stays the full time. You don't need a formal written agreement, but should keep evidence that he lives with you. This could include mail addressed to him at your address, medical bills you paid, record of expenses you covered, or even a signed statement from him confirming the living arrangement. Documentation is key if the IRS questions the claim.

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Freya Nielsen

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I tried claiming my roommate as a dependent once because I was paying all the bills and got audited so fast lol. Make sure your cousin ACTUALLY qualifies. The IRS has been cracking down on dependent claims.

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Omar Mahmoud

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What happened with the audit? Did you have to pay penalties or just return the tax benefit?

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Chloe Harris

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Stupid question maybe but does your cousin file his own taxes? If he does and claims himself as independent, and then you also try to claim him, it'll trigger an automatic flag in the IRS system.

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Amina Toure

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I don't think he's filed taxes the last couple years since he hasn't had income. But that's a good point, I should probably ask him to be sure before I file.

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Diego Vargas

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This is super important! Both of you can't claim him. I had this happen with my niece and it delayed my refund by 5 months while the IRS sorted it out. Make sure you have that conversation before either of you file.

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