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Isabella Martin

If I file as head of household, can other parent still claim child dependency?

So my girlfriend and I have a situation with our taxes this year. We have a child together but we're not married. We're trying to figure out the best way to handle our filing status and dependents to maximize our refund. If she claims our daughter as a dependent, can I still file as head of household if I paid for more than half of our daughter's living expenses? I was thinking about checking the box saying we were separated for more than half of 2023, even though we actually live under the same roof. I'm just trying to understand my options here since the difference is pretty significant - getting about $1,500 more vs. having to pay around $250. Any advice on whether this is allowed or if we're setting ourselves up for trouble?

This is actually a common question for unmarried parents. The short answer is no - you cannot file as Head of Household if your child is not your qualifying person (dependent). To file HOH, you need to have a qualifying person who is your dependent. If you live together with your child's other parent, the IRS generally considers this a shared living situation. Only one of you can claim the child as a dependent, and only that person can file as Head of Household. The box about being "separated" refers to legally separated couples who were previously married, not unmarried couples. Checking that box when you actually live together would be providing false information, which could lead to issues if you're audited. The IRS has specific "tiebreaker rules" for unmarried parents living together - generally the parent with the higher AGI gets to claim the child unless you agree otherwise.

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Sophia Miller

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But what if they're splitting the expenses? Does it matter who pays more for the child if they're both contributing?

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When unmarried parents live together and both contribute to expenses, the IRS still only allows one parent to claim the child as a dependent. The rules state that if both parents together provide more than half the child's support, and they live together all year, then typically the parent with the higher adjusted gross income can claim the child. However, parents can agree between themselves who claims the child, as long as that parent meets all other qualifying child requirements. Just remember that only the parent claiming the child as a dependent can use head of household filing status, claim the child tax credit, and other child-related benefits.

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Mason Davis

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I had a similar issue last year and used taxr.ai to help figure it out. I was confused because my girlfriend and I share custody of our son, and we weren't sure who should claim what. I uploaded my W-2s and answered some questions about our living situation, and it showed me the best filing strategy. You might want to check out https://taxr.ai since it breaks down all those complicated IRS rules into plain English. It analyzed our situation and showed that we'd actually get more back overall if she claimed our son and I filed single instead of both trying to claim HOH. Saved us from potentially getting flagged by the IRS too.

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Mia Rodriguez

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How does that work exactly? Does it just tell you the rules or does it actually calculate the difference in refund amounts both ways?

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Jacob Lewis

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Seems kinda sketchy tbh. How do you know it's giving accurate information? I'd rather just pay a professional than trust some website.

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Mason Davis

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It does both - it explains the rules that apply to your specific situation and then runs calculations to show you the difference in your tax outcome based on different filing options. In my case, it showed side-by-side comparisons of what would happen if I claimed our son versus if my girlfriend claimed him. As for accuracy, I was skeptical at first too, but it references all the specific IRS tax code sections so you can verify everything. They have tax pros that review complex situations. Honestly, it was way more detailed than when I paid $200 for a tax preparer the year before who didn't even ask about our living situation properly.

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Jacob Lewis

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I wanted to follow up about that taxr.ai site I was skeptical about. I actually ended up trying it because my situation with my ex is complicated with our shared custody arrangement. It was surprisingly helpful - showed me that we were doing it all wrong for years! The tool flagged that I was missing out on EIC by letting my ex claim our kid every year when I was the one actually eligible for more benefits. The analyzer showed we'd get almost $3,000 more back collectively if we switched who claims what. Just filed last week and already got my refund which was way bigger than last year.

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If you're having trouble figuring this out, you might need to talk directly to the IRS, but good luck getting someone on the phone! I spent HOURS trying to reach them about a similar dependent situation. I finally used https://claimyr.com and it was a game changer. They have this system that basically waits on hold for you and calls when an actual IRS agent picks up. You can see how it works here: https://youtu.be/_kiP6q8DX5c My question was about unmarried parents claiming HOH and dependents, and the agent confirmed that you can't both claim HOH for the same child, and that marking yourself as "separated" when you actually live together is a no-go. She explained all the tiebreaker rules and dependencies clearly. Saved me from making a costly mistake.

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Ethan Clark

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That sounds too good to be true. The IRS never answers their phones. How long did you actually have to wait before they called you back?

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Mila Walker

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I don't get it, how is this not just a scam to get your phone number? Why would I trust some random service to connect me to the actual IRS?

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I got a call back in about 45 minutes, which was shocking considering I had tried calling myself for 3 days with no luck. The IRS is actually answering phones, there's just millions of people trying to get through, especially during tax season. It's definitely not a scam - they don't actually handle any of your tax information or personal details beyond your phone number. They just use technology to navigate the IRS phone system and hold queue for you. When they get through to an agent, they connect you directly. I was skeptical too but the IRS agent I spoke with was definitely legitimate and answered all my questions about dependents and head of household filing.

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Mila Walker

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So I tried that Claimyr service after being totally skeptical about it. I'm actually embarrassed I doubted it because it worked perfectly. Got a call back in about an hour with an actual IRS agent on the line. I asked specifically about unmarried parents living together and who can claim what. The agent was super clear that only ONE parent can claim the child as a dependent and use HOH status. She explained that marking "separated" when you live together is considered misrepresentation and could trigger an audit. She also explained that we should look at the "support test" and who provides more than half of the child's support to determine the rightful claimant. Talking directly to the IRS gave me way more confidence about our filing decision than all the online forums and guesswork.

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Logan Scott

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Just FYI, I work at a tax prep office, and we see this question all the time. If you're unmarried but living together with your child, here's the simple truth: 1) Only one parent can claim the child as a dependent 2) Only the parent who claims the child can file as Head of Household 3) The other parent must file as Single 4) Claiming you're "separated" when you live together is false information The IRS doesn't care about your relationship status - they care about your living arrangement. Two unmarried people living together with a child is still one household according to tax law.

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Thanks everyone for the advice. So if we're understanding correctly, since we share one household, only one of us can claim HOH status, and it should be whoever claims our daughter as a dependent. What's the best way to decide which one of us should claim her to maximize our combined refund?

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Logan Scott

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The best approach is to prepare your taxes both ways and see which gives you the better combined refund. Generally, the person with the lower income might benefit more from claiming the child and HOH status because it could make them eligible for earned income credit and other income-based credits. Run the numbers with the lower-income parent claiming the child and using HOH, then run them with the higher-income parent doing so. Compare your combined refund amounts. Tax software makes this pretty easy to do. Remember that the child tax credit, earned income credit, child care credit, and head of household filing status all go together with whoever claims the child.

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Chloe Green

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Did anyone mention the "tiebreaker rules" yet? If both parents provide support and live with the child, the IRS has specific rules to determine who gets to claim the child: 1. First, parents can decide between themselves (if both qualify) 2. If they can't agree, it goes to the parent with whom the child lived the longest during the year 3. If the child lived with both equally, it goes to the parent with the higher AGI 4. If neither is a parent, it goes to the person with the highest AGI Just don't both try to claim the same kid or file HOH based on the same qualifying person. That's a quick way to get matching CP87 notices and have to prove who's right!

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Lucas Adams

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Doesn't this only apply if the parents live separately? The original post says they live together.

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Ella Russell

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I see a lot of good advice here, but let me add one important point that might help with your decision-making process. Since you mentioned the potential $1,500 difference vs. having to pay $250, you should definitely run the calculations both ways to see your combined household benefit. However, I want to stress what others have mentioned about the separation issue - checking that box when you actually live together is considered tax fraud, not just a "gray area." The IRS defines separated as living apart with the intention of divorce or separation. Living together while unmarried doesn't qualify, regardless of your relationship status. For unmarried parents living in the same household, the general rule is that you can mutually agree who claims the child, but only that person gets to file Head of Household and claim all the child-related credits. The other parent must file Single. Make sure whoever has the better overall tax situation (considering income levels, other deductions, eligibility for credits like EITC) is the one claiming your daughter. If you're unsure about the calculations, consider using tax software that lets you model different scenarios, or consult with a tax professional who can run the numbers both ways safely and legally.

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Grace Durand

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This is really helpful advice! I'm in a similar situation with my partner and we've been going back and forth on who should claim our son. The point about running calculations both ways makes a lot of sense - I hadn't thought about how the EITC might come into play differently based on our income levels. One thing I'm curious about - when you say "mutually agree," does that need to be documented anywhere officially, or is it just between the parents? Also, if we choose to have the lower-income parent claim the child this year, can we switch it next year if our financial situation changes, or does the IRS expect consistency? Thanks for emphasizing the fraud risk too - definitely not worth the potential consequences for what might seem like a harmless checkbox.

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