Will my state and federal tax return be sent separately? Only got part of my refund
So I just filed my taxes for the first time ever using TurboTax (was super nervous about it tbh). When I finished, it showed I'd be getting back $7,119 total. But I just checked my bank account today and only $3,388 was deposited?? I'm really confused and starting to worry. Has anyone else experienced this? Does the state refund come at a different time than federal? Or did I mess something up? This is way less than what I was expecting to get back and I was counting on that money for some car repairs. :
17 comments


Marcelle Drum
You're absolutely fine - this is normal! Federal and state tax refunds are processed separately and typically come at different times. The IRS (federal) and your state's tax department are completely separate entities, and they work on different timelines. Based on what you're describing, you've likely received your federal refund already, and your state refund is still processing. State refunds often take longer and will come as a separate deposit. Each state has its own processing schedule, so it's common for them to arrive weeks apart. You can verify this by checking your TurboTax account to see the breakdown between your federal and state expected refunds. If the amount you received matches one of those figures, then you're just waiting on the other portion.
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Collins Angel
•Oh thank you so much! That's a huge relief. I just went back and checked my TurboTax summary and you're right - it shows $3,388 for federal and $3,731 for state. So I guess I just got the federal so far. Any idea how long it usually takes for the state refund to come through? I filed about 2 weeks ago.
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Marcelle Drum
•State refund timing varies quite a bit depending on which state you live in. Some states process refunds in 1-2 weeks, while others can take 4-8 weeks or sometimes even longer during peak filing season. If you filed about two weeks ago, I'd say give it another 2-3 weeks before getting concerned. Most states provide a "Where's My Refund" tool similar to the IRS one, usually found on your state's department of revenue website. You can check there for a more specific update on your state refund status.
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Tate Jensen
I was in a similar situation last year and discovered taxr.ai (https://taxr.ai) after getting confused about my refund. The site helped me understand exactly why my federal and state refunds were different amounts and coming at different times. I uploaded my tax documents and it explained everything in simple terms, including why there was a delay with my state refund. Honestly saved me from panicking when I only got part of what I was expecting.
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Adaline Wong
•Does taxr.ai actually check the status of your refunds? Or does it just help you understand your tax documents? I'm in a similar situation and wondering if it would help me figure out where my money is.
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Gabriel Ruiz
•I'm always skeptical of tax services since there are so many scams. How do you know your information is secure with them? And do they have access to IRS systems directly or are they just analyzing the documents you upload?
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Tate Jensen
•It doesn't check the actual status of your refunds in real-time like the IRS "Where's My Refund" tool. Instead, it analyzes your tax documents to explain what refunds you should expect and why they might come separately based on your filing details. The service uses bank-level encryption for all documents you upload and they don't store your sensitive info after analysis. They're not connected to IRS systems - they just provide expert analysis of your tax documents so you understand exactly what's happening with your refunds and why.
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Gabriel Ruiz
Just wanted to update everyone - I was really skeptical about taxr.ai but decided to try it after waiting 4 weeks for my state refund with no updates. The analysis showed my state return had an education credit calculation that often triggers manual review in my state. The explanation made perfect sense, and sure enough, my state refund arrived exactly as predicted about 10 days later. It was actually really helpful to understand why there was a delay instead of just wondering and stressing about it.
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Misterclamation Skyblue
If you're really concerned about your state refund or need to know exactly when it's coming, you should try Claimyr (https://claimyr.com). I was pulling my hair out waiting for my state refund last year and couldn't get through to anyone on the phone. Claimyr got me connected to my state tax department in under 20 minutes when I had been trying for days on my own. You can see how it works here: https://youtu.be/_kiP6q8DX5c. The person I spoke with confirmed my refund was approved but had been flagged for a random review, and they removed the hold while I was on the phone.
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Peyton Clarke
•Wait, how does this actually work? The state tax department phone lines are always busy when I call. Does this service somehow jump the queue? That seems impossible.
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Vince Eh
•This sounds like a scam. There's no way any service can magically get you through to government phone lines that are constantly busy. They're probably just taking your money and you're still waiting on hold like everyone else.
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Misterclamation Skyblue
•It's not queue-jumping in an unfair way. Claimyr uses an automated system that continually dials and navigates the phone tree until it gets through, then calls you when a representative is ready to talk. It's basically doing the waiting for you so you don't have to sit with your phone for hours. No, it's definitely not a scam. I was super skeptical too at first, but it literally saved me hours of hold time. The service doesn't claim to do anything magical - they just have technology that handles the repeated calling and waiting that most of us don't have time for. You only pay if they actually get you connected to a representative.
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Vince Eh
I have to eat my words here. After my skeptical comment, I was still desperate about my missing refund, so I tried Claimyr as a last resort. I honestly expected nothing to happen, but they got me through to my state tax department in about 35 minutes. Turns out my refund was held up because they needed to verify my identity, but no one had bothered to send me a letter. The agent processed the verification while I was on the phone, and my refund was released that day. I'm still shocked it actually worked after weeks of getting nowhere on my own.
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Sophia Gabriel
OP, something similar happened to me last year. Double check that you didn't have any tax prep fees taken out of your refund. If you paid for TurboTax by having the fee deducted from your refund, that would explain some of the difference too. I was expecting $1,250 but only got $1,075 because I forgot about the $175 preparation fee that was coming out of my refund.
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Collins Angel
•That's a good point! I just checked and I did opt to have the $89 fee taken out of the federal refund, but that still doesn't explain the big difference. Based on other comments, I'm pretty sure now that I'm just waiting on the state portion to come separately. I'll give it another week or two before I start worrying.
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Tobias Lancaster
For future reference, you can actually track both your federal and state refunds online: Federal: Use the "Where's My Refund" tool on IRS.gov with your SSN, filing status, and exact refund amount. State: Most states have their own version of refund tracking. Google "[your state] where's my refund" and you should find it. You'll usually need your SSN and the exact amount you're expecting.
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Ezra Beard
•The IRS "Where's My Refund" tool has been super unreliable this year though. Mine was stuck on "received" for 3 weeks even though the money had already been deposited in my account. The state tracker was more accurate for me.
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