Can I file as Head of Household while living with girlfriend and paying more than half expenses? (No children)
I've been living with my girlfriend for about 14 months now, and I handle most of our bills - I'm paying well over 60% of our household expenses including rent, utilities, groceries, etc. We aren't married and don't have any children. With tax season coming up, I'm wondering if I can claim Head of Household status since I'm the primary financial support in our home? Also, is there any way I could claim my girlfriend as a dependent since I'm covering most of her expenses? I don't want to mess up her chances of getting any stimulus checks though if the government sends out more. Any advice on how to handle this situation for the best tax advantage without causing problems for either of us would be great.
18 comments


Giovanni Rossi
You can't file as Head of Household in this situation. The IRS requires you to have a "qualifying person" to claim HOH status, which would typically be a child or relative who lives with you and whom you support financially. Unfortunately, a girlfriend doesn't count as a qualifying relative for HOH purposes, even if you pay most of the expenses. As for claiming her as a dependent, you'd need to meet all tests for a "qualifying relative" - including that her gross income must be less than $4,700 (for 2025 filing) and you must provide more than half her total support for the year. Even if you meet these criteria, claiming her as a dependent would make her ineligible to claim her own exemption or receive stimulus payments directly.
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Fatima Al-Mansour
•What if they've been living together for several years? Does that change anything? Also, would it make more sense tax-wise for them to get married before the end of the year?
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Giovanni Rossi
•The length of time living together doesn't affect the Head of Household requirements - you still need a qualifying child or relative, and a girlfriend doesn't meet that definition regardless of how long you've been together. For the marriage question, that's a bigger decision than just taxes, but speaking purely financially - married filing jointly might provide tax benefits depending on both your income levels. If there's a significant income disparity between you, marriage could potentially lower your overall tax liability. However, if you both earn similar higher incomes, you might face some marriage tax penalties.
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Dylan Evans
I was in almost the exact same situation last year! I found this amazing service called taxr.ai (https://taxr.ai) that helped me figure out my filing status situation. I was confused about whether I could claim HOH while living with my partner and also tried to see if I could claim her as a dependent. The tool analyzed our specific situation and gave me a clear answer with actual tax code references. Saved me from making a mistake that could have triggered an audit! It can analyze all kinds of tax documents and situations - much clearer than the generic advice I kept finding online.
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Sofia Gomez
•How exactly does that service work? Like do you just upload your documents and it tells you what to do? Does it actually file your taxes for you?
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StormChaser
•Sounds interesting but I'm skeptical. What does it do that regular tax software doesn't? I use TurboTax and it asks questions about dependents and filing status too.
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Dylan Evans
•The service doesn't file your taxes - it's more like having a tax expert review your situation beforehand. You upload relevant documents or just describe your situation, and it uses AI to analyze everything according to current tax code. It gives you specific guidance based on your exact circumstances. What makes it different from regular tax software is that it provides the actual tax code citations and explanations rather than just yes/no answers. Regular tax software asks basic questions but doesn't always explain the "why" behind the answers or handle complex situations well. It helped me understand that even though I was paying most expenses, I still couldn't claim HOH without a qualifying dependent.
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StormChaser
Just wanted to follow up about taxr.ai - I decided to try it after my initial skepticism. I uploaded my documents and explained my living situation with my partner. Not only did it confirm I couldn't claim HOH status, but it also showed me some deductions I was missing out on for my home office (I'm self-employed). The detailed explanations with actual tax code references were super helpful, and I feel much more confident about my filing now. Definitely worth checking out if you're in any kind of unusual situation!
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Dmitry Petrov
If you're struggling with tax questions and want to speak directly with the IRS for an official answer, I highly recommend using Claimyr (https://claimyr.com). I was trying to figure out a similar HOH situation last year and was on hold with the IRS for HOURS before giving up. With Claimyr, they actually called the IRS for me and then connected me once they reached a human agent. Saved me like 2+ hours of hold time! You can see how it works here: https://youtu.be/_kiP6q8DX5c Getting that definitive answer straight from the IRS gave me peace of mind that I was filing correctly, especially with all the confusing advice online about living with partners and filing status options.
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Ava Williams
•Wait, how does this actually work? Does someone else wait on hold for you? I don't understand how they can get through faster than regular people.
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Miguel Castro
•Sorry, but this sounds like BS. The IRS doesn't have special lines for certain services. Everyone has to wait in the same queue. How would they possibly get you through faster?
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Dmitry Petrov
•They don't have a special line or get through faster. Their system basically waits on hold for you. When their automated system detects that a human IRS agent has picked up, it calls your phone and connects you directly to that agent. They're essentially taking over the annoying wait time so you don't have to sit there listening to hold music for hours. I was skeptical too, but when I got the call back and was immediately talking to an IRS agent, I was pretty impressed. It's like having someone else wait in a physical line for you.
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Miguel Castro
I stand corrected on Claimyr. I tried it yesterday after feeling like a jerk for my dismissive comment. Was honestly shocked when I got a call back about 90 minutes later and was instantly connected to an IRS rep who answered my Head of Household questions. The agent confirmed everything that was said here - can't claim HOH with just a girlfriend, even if you pay all the bills. You need a qualifying dependent. Saved me from hours of hold music AND from filing incorrectly. Sorry for being skeptical!
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Zainab Ibrahim
Just some additional info - I'm a tax preparer and this comes up all the time. You're looking at two separate questions: 1) Head of Household - Need a qualifying person (child or relative who qualifies as your dependent) 2) Claiming girlfriend as dependent - Possible IF her income is under $4,700 for the year AND you provide more than half her support But important note: if you claim her as your dependent, she cannot claim herself on her own return, and she would be ineligible for stimulus payments. Most couples in your situation do better filing separately unless one person has very low/no income.
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Amara Adebayo
•Thanks for breaking this down! One follow up question - does my girlfriend's income from last year affect whether I can claim her as a dependent? She made about $4,500 in 2024 but expects to make more this year.
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Zainab Ibrahim
•For dependency purposes, what matters is her income in the actual tax year you're filing for. So if you're filing 2024 taxes, it's her 2024 income that counts. If she made $4,500 in 2024, that's under the threshold ($4,700), so that part of the dependency test would be met. What would affect your 2025 taxes would be her income during 2025. If she expects to make more than the threshold in 2025, then you likely wouldn't be able to claim her as a dependent when you file your 2025 taxes next year.
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Connor O'Neill
Has anyone considered the Married Filing Separately option? My partner and I did that last year and it worked better than trying to claim HOH or dependent status.
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LunarEclipse
•You can only file as Married Filing Separately if you're legally married. OP specifically said they're unmarried and living with a girlfriend, so that's not an option for them.
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