Can I legally claim myself as a dependent for a bigger tax refund?
So I've been feeling kinda ripped off with my tax refunds the last couple years. I'm honestly not getting back as much as I think I should. Yesterday my cousin (who always brags about his huge refunds) told me I should try claiming myself as a dependent on my own tax return. He said it could boost my refund significantly, plus I should adjust my withholding amounts too. I'm not super familiar with all the tax rules, but this sounds too good to be true? Can you actually list yourself as your own dependent? I mean, I do support myself financially so technically I am dependent on... myself? Lol. I just want to make sure I'm not doing anything sketchy but also want to maximize my refund for 2025. My refund last year was only about $850 and the year before was like $720. Would really appreciate any advice on if this dependent thing is legit and any other tips for getting a better refund next year. Thanks!
20 comments


Diego Castillo
I understand wanting to maximize your refund, but unfortunately, you cannot claim yourself as your own dependent. That's not how the tax code works. A person can either file as a dependent of someone else OR file their own return claiming a standard deduction for themselves - but not both. When you file your own return, you're already getting the benefit of claiming yourself through your standard deduction. What might help increase your refund is adjusting your W-4 withholding with your employer. If you're getting small refunds, that actually means your withholding is fairly accurate (which is technically good). If you want larger refunds, you could have additional amounts withheld from each paycheck by filling out a new W-4 form. Just remember that a bigger refund means you're essentially giving the government an interest-free loan throughout the year. Other legitimate ways to increase your refund: check if you qualify for tax credits like the Earned Income Credit, education credits if you're in school, or retirement savings contributions credit if you contribute to an IRA or 401k.
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Logan Stewart
•Wait, so if I'm understanding right, you're saying that a big refund isn't actually a good thing? My friends always brag about their huge refunds but you're making it sound like I'm actually doing better with my smaller one? Also, what's this about education credits? I took some classes last year at community college. Would that count?
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Diego Castillo
•You're absolutely right that a smaller refund often means you're managing your taxes more efficiently. A big refund means you've overpaid throughout the year - essentially lending money to the government without interest. Ideally, you want your withholding to match your actual tax liability as closely as possible. Regarding education credits, yes! If you took classes at a community college, you might qualify for either the American Opportunity Credit (up to $2,500) or the Lifetime Learning Credit (up to $2,000), depending on your situation. You'll need Form 1098-T from your school and should look into these when filing your 2025 taxes. These credits can significantly increase your refund if you qualify.
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Mikayla Brown
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Sean Matthews
•Does this actually work for people with simple tax situations? I just have a regular W-2 job, no kids, no house. I always assumed those tax-help services were only worth it if you had complicated stuff.
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Ali Anderson
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Mikayla Brown
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Ali Anderson
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Zadie Patel
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A Man D Mortal
•How does this even work? I thought it was impossible to get through to the IRS no matter what. Is this just paying someone to wait on hold for you?
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Declan Ramirez
•Yeah right. No way this actually gets you through to the IRS faster than anyone else. The IRS phone system is deliberately designed to be impossible. Sounds like a scam to take advantage of desperate people.
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Zadie Patel
•It works by using technology that navigates the IRS phone tree and waits on hold for you. Once an agent is about to come on the line, you get a call connecting you directly. So yes, part of it is waiting on hold for you, but with sophisticated systems that know how to navigate the complex IRS phone maze. There's nothing magical about it - the IRS isn't giving preferential treatment. It's simply handling the most frustrating part (waiting on hold for hours) so you don't have to. I was skeptical too, but when I needed specific guidance about my dependent situation that wasn't clear online, this saved me literally hours of frustration. Not saying it's for everyone, but when you need to speak with the actual IRS, it's incredibly useful.
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Declan Ramirez
I'm back to eat my words about Claimyr. After leaving that skeptical comment, my tax situation got complicated (got married mid-year, job change, moved states) and I was desperate for answers about filing status. Decided to try Claimyr as a last resort. Not gonna lie - it felt like magic when my phone rang and an ACTUAL IRS PERSON was on the line. Explained my whole situation including the dependent question OP asked about. The agent walked me through everything step by step, including some special circumstances for my state move I wouldn't have known about. Saved me from making a mistake that would have cost at least $1,400 in missed deductions. I've never had such a clear explanation of tax stuff in my life. Sorry for being such a jerk in my previous comment!
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Emma Morales
I work part time at an accounting office and see confusion about dependents all the time. Here's a quick fact check: - You CANNOT claim yourself as a dependent - You already get a standard deduction for yourself when filing - A "big refund" just means you overpaid taxes all year - Deliberately overwithholding (taking more out each check) will give you a bigger refund but means smaller paychecks all year Your cousin might be getting bigger refunds because of kids (child tax credit), education expenses, earned income credit based on income level, or mortgage interest. Not because of some secret "claim yourself" trick.
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Ruby Knight
•Thanks for explaining this! So to clarify - if I wanted a bigger refund I could just increase my withholding on my W-4? But that means I'd take home less in each paycheck throughout the year? Also do you know if there's any downside to doing that? Like could I get in trouble for "overwithholding" intentionally?
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Emma Morales
•Yes, exactly! If you increase your withholding on your W-4 (either by changing your filing status or simply adding an additional withholding amount), you'll get more taken out of each paycheck, resulting in a larger refund when you file. But your biweekly/monthly take-home pay will be smaller. There's no penalty or trouble for intentionally overwithholding - it's completely legal. The IRS is happy to hold onto your money interest-free! The only downside is that you're essentially giving up access to your money throughout the year instead of having it in your pocket. Many people actually use this as a forced savings method because they know they'll get a lump sum back at tax time.
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Katherine Hunter
Imho the best way to get a bigger "refund" is to properly withhold taxes (so minimal actual refund) AND set up automatic transfers of a small amount from each paycheck to a high-yield savings account. Like $50/check or whatever you can afford. By tax time next year you'll have your own "refund" PLUS interest. I did this last year and ended up with $1,300 plus about $70 in interest instead of giving govt free loan.
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Lucas Parker
•This is actually smart af. What savings account do you use? I've been thinking about doing something like this because my refunds are always tiny but I suck at saving.
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Donna Cline
So if I can't claim myself as my dependent (which makes sense now that it's explained), can I at least claim my dog? jk jk But seriously, I've been reading some stuff about tax credits that seems more promising than the dependent thing. Does anyone know if there's an income limit for the earned income tax credit? I make about $38k a year.
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Diego Castillo
•Yes, there are income limits for the Earned Income Tax Credit (EITC). For 2025, if you're single with no qualifying children, you can qualify with income up to about $18,000. With one child, that limit increases to around $43,000. If you're married filing jointly, the limits are higher. At $38k with no children, you'd likely be over the limit for EITC, but if you have a qualifying child, you might still be eligible. There are other credits worth looking into though, like the Saver's Credit if you contribute to retirement accounts, or education credits if you're taking classes.
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