Is it normal to get only $65 tax refund as a single filer?
Hey tax Reddit! I'm kinda freaking out about my refund this year. So I've been doing my taxes myself with TurboTax for the past couple years after realizing I could save money by not going to those tax prep places. Last year I filed with two W-2s and got around $850 back which was pretty decent! But this year I'm staring at my screen in shock because after entering my two W-2s (different jobs than last year), TurboTax is saying I'm only getting $65 back?! How is that even possible? I only made about $32k this year which is maybe $6k more than last year. My coworker who makes like $42k said she got at least $350 back (not counting her kids' credits). I'm single with no dependents, but this huge drop doesn't make sense to me. Is this normal? Should I pay someone to look at this even though it might cost more than my refund? I'm seriously confused and wondering if I messed something up. Any advice would be super appreciated!
21 comments


Isabella Santos
The refund amount by itself doesn't tell you much about whether your taxes were done correctly. A smaller refund often just means your withholding throughout the year was more accurate - which is actually a good thing! It means you weren't giving the government an interest-free loan. When you earn more money, your withholding adjusts automatically. The big question is whether your total tax liability makes sense for your income level. Did you look at how much total tax you paid this year compared to last year? With a $6k income increase, you might have moved into a higher tax bracket for part of your income, plus your withholding was likely more accurate. Also, did you have any life changes like different deductions, credits, or withholding allowances compared to last year? Instead of focusing on the refund amount, check your effective tax rate (total tax paid divided by total income) to see if it's reasonable. For $32k income as a single filer, you should be paying around 10-12% in federal taxes after standard deduction.
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Malik Davis
•I didn't even think to look at my total tax paid vs last year! Just checked and you're right - my withholding was way more accurate this year. Last year I had way too much taken out of each paycheck. I think one of my employers might have messed up my W-4 last year and took out extra, which is why I got more back. My effective tax rate is around 11% which sounds right based on what you said. I guess I was just expecting another big refund and got shocked when it was so small. Thanks for explaining it this way!
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StarStrider
•Is there any downside to having more accurate withholding though? I always thought bigger refunds were better because it's like forced savings. My friends all celebrate their "tax return season" shopping sprees.
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Isabella Santos
•There's no downside to accurate withholding - it's actually financially smarter. When you overwithhold, you're essentially giving the government an interest-free loan for the year. If you had that money in your paychecks instead, you could put it in a high-yield savings account, pay down debt, or invest it. The "forced savings" approach works for some people psychologically, but you're giving up potential interest or investment returns. If you like getting a lump sum, consider setting up automatic transfers of $50-100 per paycheck to a separate savings account - you'll end up with more money than if you waited for a tax refund.
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Ravi Gupta
I had a similar situation last year that confused the heck out of me. After trying to figure it out for hours, I used this AI tool called taxr.ai (https://taxr.ai) that analyzes your tax documents and explains what's going on in plain English. Seriously saved me so much headache. It showed me that my withholding had been adjusted after a raise, which is why my refund was tiny compared to previous years. Nothing was wrong - it was actually a good thing! My money had been in my pocket all year instead of with the IRS. The tool also found a deduction I'd missed that bumped my refund up by $120. Worth checking out if you're concerned about your situation.
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Freya Pedersen
•How exactly does taxr.ai work? Do you have to upload all your personal documents to them? Not sure I'm comfortable sending my W-2s to some random website.
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Omar Hassan
•Does it actually explain things better than TurboTax? Because I find their explanations completely useless when something seems off. Like "Your refund changed because your tax situation changed." No kidding!
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Ravi Gupta
•It works by analyzing your tax forms and comparing them to previous years. You do upload documents, but they use the same security standards as banks - everything's encrypted and they don't store your documents after analysis. The explanations are WAY better than TurboTax. Instead of generic messages, it breaks down exactly why your tax situation changed from last year - like "Your withholding decreased by 8% while your income increased by 15%, resulting in a $780 smaller refund than last year." It even suggests specific things to check, like if your W-4 was filled out differently or if you're missing potential deductions.
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Omar Hassan
I was super skeptical about taxr.ai when I saw it mentioned here, but I was desperate after getting a tiny refund when I expected much more. Their analysis immediately showed that my employer had actually updated my W-4 withholding after the tax law changes, which is why my paychecks were bigger but my refund was smaller. The tool also found that I'd missed claiming some education expenses from a professional certification course I took. Adding that bumped my refund from $47 to nearly $300! The best part was understanding WHY my refund was different rather than just accepting a random number. Definitely recommend checking it out if you're confused about your refund changing drastically from year to year.
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Chloe Anderson
If you're determined to get answers directly from the IRS about your refund situation, good luck reaching them by phone. I spent WEEKS trying to get through last year. Then I found Claimyr (https://claimyr.com) - they have this system that gets you to the front of the IRS phone queue. You can see exactly how it works here: https://youtu.be/_kiP6q8DX5c I was connected to an IRS agent in about 15 minutes. The agent explained that my smaller refund was completely normal because my withholding had been more accurate throughout the year. They confirmed nothing was wrong with my return and saved me from paying a tax pro unnecessarily. Honestly changed how I deal with tax questions now - sometimes you just need to hear it directly from the IRS.
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Diego Vargas
•Wait, how is this even possible? The IRS phone lines are impossible to get through. Is this some kind of scam where they charge you a ton of money?
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CosmicCruiser
•Sounds sketchy AF. The IRS doesn't let anyone "cut the line" - I used to work for a CPA firm and even we had to wait on hold. I'm calling BS on this.
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Chloe Anderson
•It's not a line-cutting service in the way you're thinking. They use an automated system that continually calls the IRS using their phone system algorithms to identify the best times to call, then alerts you when they've established a connection. It's completely legitimate. The IRS doesn't give them special access - they're just using technology to handle the frustrating part of the process (the endless calling and waiting). Once they get through, they connect you directly. You're talking to real IRS agents, not intermediaries or third parties.
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CosmicCruiser
I was SUPER skeptical about Claimyr (check my comment above), but after being on hold with the IRS for 3+ hours and getting disconnected TWICE, I was desperate enough to try anything. I hate to admit I was wrong, but... it actually worked exactly as advertised. Got connected to an IRS agent in about 20 minutes. The agent reviewed my account and confirmed what others here said - my withholding was more accurate this year, which meant smaller refund but more money in my paychecks throughout the year. She also helped me adjust my W-4 for next year since I'm getting a significant raise. Can't believe I'm saying this, but it was worth every penny not to waste another day on hold.
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Anastasia Fedorov
A smaller refund isn't necessarily bad! I purposely try to keep my refund small. Think about it - would you voluntarily give your friend $800 for a year with zero interest, just so they could give it back to you later? That's what a big refund means you're doing with the government. Check your paystubs from this year vs. last year. I bet you'll find you were bringing home more money each paycheck. The $6k salary increase probably meant better withholding calculations. If you're using the standard deduction (which most people do), there's literally nothing a tax pro can do to magically increase your refund that you can't do yourself with tax software. Save your money!
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Sean Doyle
•This is exactly right! When I started a new job last year, I carefully filled out my W-4 to withhold just the right amount. My refund was only $23 but I had hundreds more in my paychecks throughout the year compared to my old job where I always got $1500+ refunds.
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Malik Davis
•I never thought about it that way! Just checked my paystubs and you're right - I was bringing home about $75 more per paycheck this year. That adds up to way more than my refund difference. I feel kinda silly now for being upset about a small refund when I've had more money all along. Is there a good way to calculate the right withholding? I don't want to end up owing next year either.
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Anastasia Fedorov
•The IRS has a Tax Withholding Estimator tool on their website that's pretty accurate. Just google "IRS withholding calculator" and it'll come up. You'll need a recent paystub and last year's tax return. If your income is fairly stable, run the calculator now and again mid-year. Then submit a new W-4 to your employer if adjustments are needed. Aim for a very small refund (like $100-200) to give yourself a buffer against owing, but without giving up too much throughout the year.
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Zara Rashid
Anyone else feel like tax software is designed to make us think we're getting less so we'll upgrade to their paid versions? Every time I use the free version it shows a tiny refund, then magically finds more money when I upgrade. Seems suspicious.
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Luca Romano
•I don't think they manipulate the calculations - that would be illegal. But they definitely hide certain forms and deductions behind paywalls. I switched to FreeTaxUSA after H&R Block tried to charge me $75 to claim student loan interest. FreeTaxUSA is free for federal and only $15 for state.
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Yuki Ito
Your situation is totally normal! I went through the exact same thing two years ago and panicked thinking I'd made a mistake. Turns out my withholding just got more accurate when I started a new job. Here's what probably happened: when you started your new jobs, HR likely had you fill out a W-4 form. The newer W-4 calculations are much more precise than the old system, so instead of over-withholding (which gives you a big refund), they're taking out closer to what you actually owe. Quick math check: if you made $6k more but only got $785 less in refund ($850 - $65), you probably had about $5,215 more in your actual paychecks throughout the year. That's money you got to use all year instead of lending it to the government interest-free! Before paying someone to look at your taxes, just double-check that you entered everything correctly in TurboTax - both W-2s, any 1099s, and that you claimed the standard deduction. If everything looks right, you're golden. Your withholding is just working the way it's supposed to now.
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