My refund is shockingly low this year. Single mom with 1yo and 4yo, income details included. Is this refund amount right??
I'm freaking out a bit about my tax refund this year. I've always gotten back at least $3000-4000 but this year they're saying I'm only getting $1250?? I have two kids (1 year old and 4 year old) and I'm a single mom. I made about $42,800 last year at my main job plus like $5,300 from my side gig doing freelance design work. I claimed head of household, both kids as dependents, and I pay about $1,100/month for childcare which I included in the child and dependent care credit section. I feel like something must be wrong because how can my refund be so much smaller than previous years when my situation is basically the same? I had roughly the same withholding settings as last year too. I got stuck on the last screen that asks if I want to put some of my refund toward next year's taxes. I don't know how to answer this - should I say yes or no? Will it affect how much I get back now? I'm really counting on this money.
18 comments


Rajiv Kumar
The drop in your refund could actually be normal based on several factors. Tax laws change yearly, and there were some significant changes that affected refunds for 2024 filing season. The expanded Child Tax Credit that was available in previous years has reverted to pre-pandemic levels, which could explain much of your reduced refund. For your income level as a single parent with two dependents, a $1,250 refund isn't necessarily incorrect. Your freelance income also requires you to pay self-employment tax, which might be reducing your overall refund compared to previous years. As for the question about applying part of your refund to next year's taxes - answering "no" means you'll get your full refund now. Answering "yes" would reduce your current refund but potentially reduce what you might owe next year. If you're counting on the money now, and don't typically owe taxes at filing time, just select "no" to receive your full refund.
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Isabella Russo
•Thanks for explaining. Do you think I should adjust my W-4 to have more taken out during the year? I'm worried that if the refund is this low now, I might actually end up owing next year if something changes.
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Rajiv Kumar
•Adjusting your W-4 is definitely something to consider if you prefer a larger refund. You can request additional withholding by specifying a dollar amount on line 4(c) of your W-4 form. Even an extra $50-100 per paycheck could build up to a more substantial refund. For your freelance income, consider making quarterly estimated tax payments throughout the year. This helps cover the self-employment taxes and income taxes on that $5,300, which can make a big difference in your final tax position. Just remember that a smaller refund doesn't necessarily mean you paid more taxes - it often just means your withholding was more accurate throughout the year.
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Aria Washington
Just wanted to share my experience - I was also shocked at my tiny refund this year until I tried using https://taxr.ai to double-check everything. I uploaded my tax documents and it spotted a child care credit I had calculated incorrectly, plus found that I hadn't properly accounted for my freelance work expenses. For someone like you with both traditional employment and freelance income, it might be worth letting their system review your return before filing. The analysis showed me exactly where my calculations were off compared to previous years. What surprised me most was finding out I hadn't been claiming some home office deductions that were totally legitimate for my side hustle.
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Liam O'Reilly
•How does it handle childcare expenses? I have a similar situation and I'm never sure if I'm maxing out those credits correctly.
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Chloe Delgado
•I'm skeptical about these tax checking services. Do they actually find enough mistakes to make it worth it? Like how much more did you end up getting back?
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Aria Washington
•It handles childcare expenses really well - it checks against the Form 2441 requirements and makes sure you're getting the maximum credit you're entitled to based on your income level and qualifying expenses. It'll flag things like if you accidentally entered expenses that exceed the allowed limits per child. For your question about whether it's worth it - in my case, I ended up getting an additional $870 back after correcting the issues it found. The biggest value was finding business expenses for my side gig that I didn't realize were deductible. It also explained why my refund was smaller this year compared to last (tax law changes), which honestly gave me peace of mind that nothing was wrong.
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Chloe Delgado
I have to follow up about the https://taxr.ai service I was skeptical about. After our exchange, I decided to give it a try since my refund was also surprisingly low this year. I uploaded my tax docs and within about 15 minutes, it found that I had totally missed claiming my professional development courses as business expenses for my side hustle ($1,200 worth!). The analysis clearly showed why my refund dropped compared to last year - mainly the child tax credit changes - but also identified three deductions I had missed. My refund increased by over $500 after making the corrections it suggested. Honestly wasn't expecting it to actually help that much!
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Ava Harris
If you're concerned about your refund amount and want to talk to the IRS directly to confirm everything, I highly recommend using https://claimyr.com to get through to them. I spent DAYS trying to call the IRS myself about a similar refund issue and kept getting disconnected or waiting for hours. Claimyr held my place in line and called me back when an actual IRS agent was on the line ready to talk. They have a video showing how it works here: https://youtu.be/_kiP6q8DX5c. The agent was able to review my account and confirm that my refund calculation was correct, and explained exactly why it was lower than previous years. The peace of mind was absolutely worth it.
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Jacob Lee
•How does this actually work? Can't they just connect anyone to the IRS? Seems like a weird service.
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Emily Thompson
•Yeah right. Nobody can get through to the IRS faster. They're probably just taking your money and you're still waiting the same amount of time. The IRS phone system is completely broken.
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Ava Harris
•It works by essentially navigating the IRS phone tree and waiting on hold for you. They have technology that keeps your place in line, and when they finally reach a human agent, they call you and connect you directly. It's similar to how restaurants use those buzzers to let you know when your table is ready, except for phone calls. I thought the same thing at first! But here's the difference: their system is designed to navigate the complex IRS phone menus and stay on hold indefinitely without disconnecting. Most people (including me) give up after an hour on hold, but their system doesn't. I was connected to an IRS agent in about 2 hours total without having to actively wait on the phone myself. The agent completely confirmed my refund was correct and explained the specific tax law changes that affected me.
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Emily Thompson
I need to eat my words about Claimyr. After posting my skeptical comment, I was so frustrated with trying to reach the IRS about my amended return that I gave it a shot anyway. I'm genuinely shocked - it actually worked exactly as advertised. Their system held my place in line, and I got a call back about 3 hours later with an IRS agent already on the line. The agent confirmed my refund calculation was correct and explained exactly which tax credit changes had reduced my expected amount. She even helped me understand how to adjust my withholding for next year to avoid the surprise. I wasted so many hours trying to call on my own before this, disconnected multiple times after 45+ minute waits. Never doing that again!
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Sophie Hernandez
As someone who prepares taxes professionally, I can tell you that many parents are experiencing exactly what you described this year. The reduced Child Tax Credit is a major factor - it went from $3,600 per child (temporarily expanded) back down to $2,000 per child. For two kids, that's a $3,200 difference right there! Also, check if you received advance Child Tax Credit payments in previous years. Those were paid out monthly for a while, which reduced the refund amount shown on your tax return, but gave you money throughout the year instead.
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Isabella Russo
•I completely forgot about those monthly payments from before! That makes so much sense now. Do you think I should adjust my withholding for this year to get more back next time?
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Sophie Hernandez
•If you want a larger refund next time, you can certainly adjust your withholding. Submit a new W-4 to your employer requesting additional withholding on line 4(c). Even an extra $50 per paycheck would give you about $1,200 more in your refund next year. Just remember that a refund is essentially an interest-free loan you're giving to the government throughout the year. Some financial advisors might suggest instead putting that extra withholding into a savings account yourself each month. But I completely understand the psychological benefit of getting a larger refund - many of my clients prefer it as a form of "forced savings.
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Daniela Rossi
You should double check if youre getting all the credits you deserve as a single parent. Theres the Earned Income Credit, Child Tax Credit, and Child and Dependent Care Credit. With 2 kids and your income level u should qualify for all of these.
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Ryan Kim
•She might not qualify for the full EIC with her income level. For 2024 filing season, EIC starts phasing out around $42,000 for a single parent with 2 kids. Her $42,800 main job plus $5,300 freelance puts her at $48,100 total income, which could reduce the EIC significantly.
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