The IRS Checklist Every Newlywed Should Follow to Avoid Tax Issues

Newlywed? The IRS has important tips to avoid tax filing regrets. Follow this simple checklist to ensure a smooth process come 2026.

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The IRS Checklist Every Newlywed Should Follow to Avoid Tax Issues - Credit: Shutterstock | en.Econostrum.info - United States

For newlywed couples in the United States, navigating the intricacies of tax filing can be a daunting task. The IRS offers specific guidance to help those who have recently tied the knot avoid future complications with their tax returns. It’s vital for newlyweds to understand how their marital status affects their tax situation, as missteps now can lead to significant delays or errors in their tax filings. Fortunately, the IRS provides a checklist to ensure that couples are well-prepared for tax season.

As the 2025 tax season approaches, it’s reminding newlywed taxpayers to stay ahead of the game by addressing key tasks now. This preparation will ensure smoother filings in the coming years and potentially prevent delays in tax refunds. The tax agency underscores the importance of ensuring all personal details are up to date, such as name changes and address adjustments. This proactive approach will help ensure that couples don’t encounter unexpected issues when they file their 2026 tax returns.

The Importance of Filing Status

One of the most significant factors in a newlywed’s tax return is their filing status. The IRS offers two primary options for married couples: filing jointly or filing separately. Typically, couples who file jointly enjoy several financial benefits, including a higher standard deduction, lower tax rates, and more eligibility for tax credits.

When filing jointly, couples may also benefit from more favorable deductions related to retirement accounts, such as IRAs, and student loan interest. This joint filing option simplifies the tax process, making it the go-to choice for most newlyweds. However, in some cases, filing separately might be the more advantageous option. For example, if one spouse has significant medical expenses or legal debts, filing separately could help mitigate tax liabilities.

Updating Personal Information

A crucial aspect of tax filing that many newlyweds overlook is updating their personal information. If either spouse changes their name after the wedding, it’s essential to report this to the Social Security Administration (SSA). This step is vital because the IRS requires that the name on the tax return matches the SSA’s records. Failing to do so can delay refunds, as the IRS will need to investigate discrepancies before proceeding with the return.

Additionally, any address changes should be promptly updated with the IRS. Newlyweds who move into a new home after the wedding should ensure that their new address is on file. Failure to update address information can lead to missed or delayed tax-related correspondence, such as refund checks or notices regarding tax issues.

Checking Withholding Information

After marriage, many couples find that their tax withholding amounts no longer reflect their new financial situation. It’s crucial for newlyweds to review and adjust their withholding to ensure that enough taxes are withheld from their paychecks. If too little is withheld, the couple may face a hefty tax bill at the end of the year. Conversely, if too much is withheld, they may be giving the government an interest-free loan.

The IRS recommends that newlywed couples use the IRS Tax Withholding Estimator to determine the proper withholding amount. This tool is particularly useful for couples who have a significant change in their income or tax deductions after marriage.

Understanding the December 31 Deadline

For tax purposes, the IRS determines your marital status based on your situation as of December 31. This means that if you are married by the end of the year, you will be considered married for the entire tax year, even if the wedding took place just days before the deadline. Newlyweds should be aware that the IRS does not take into account the date of the wedding, but rather the marital status on the last day of the year.

This rule is important for newlyweds who may file taxes for the first time as a married couple. It ensures that any adjustments to filing status, deductions, or credits are based on their marital status as of December 31, regardless of when the wedding occurred.

Preparing for the 2026 Tax Filing Season

As the 2025 tax season wraps up, the IRS is already advising newlyweds to make these essential updates and preparations for the upcoming 2026 tax filing. Taking care of these tasks early can prevent headaches and potential delays in future filings. Whether it’s updating personal information with the SSA, checking tax withholding, or reviewing the best filing status, these steps can ensure a smoother tax season for newlywed couples.

For additional information, newlyweds can visit the IRS website for more comprehensive guidance on tax issues and filing requirements. By staying informed and proactive, couples can navigate the complexities of tax filing without the fear of costly mistakes or unexpected delays.

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