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To Be or Not To Be Married, That Is the Tax Question!

having a baby tax changesOk, here's the situation. You are pregnant and the father of the child may or may not marry you. Once you and/or the father consider the options below it might help both of you to decide what to do, at least from a taxation point of view. Did you know that financial disagreements are one of the largest factors why marriages or relationships break up?

What If You DO Get Married?

What If You DON'T Get Married?

What If You Are a Single Parent?

  • If you raise the baby on your own as a single parent, then Head of Household is the perfect filing status for you!
  • The Head of Household filing status has distinct advantages over the Single filing status, including better tax rates and a bigger standard deduction.
  • How to file as Head of Household

You can file as Head of Household when you prepare your tax return on efile.com! If it isn't free, it's the lowest price guarantee!

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What If We Still Live Together?

  • Maybe you live together and raise the child together as a family. In this case, either one of you can still file as Single, but only one of you can file as Head of Household by claiming your baby as a Qualifying Person.
  • There is only one Head of Household per household!
  • If you qualify as Head of Household, then you should strongly consider using that filing status on your tax return.
  • Do I Qualify as Head of Household?

Find out if your dependent qualifies you to file as Head of Household.
Use the free HOHucator tax educator tool!

Can I Claim My Baby as a Dependent?

  • Even though you are definitely supporting your baby while he or she is growing in your belly, the baby must be born in order to be your dependent for tax purposes.
  • If you did not give birth on or before December 31, you will have to wait until next year to claim your baby as a dependent.
  • If your baby is born on or before December 31, then he or she is considered to have been living with you for the entire year, and may qualify to be your dependent.
  • See the requirements for claiming a Qualifying Child as a dependent.

having a baby tax changes

What If the Baby's Father Supports Me and the Baby?

  • If you and the baby are supported by the baby's father, then he may be able to claim both of you as dependents.
  • If you and the baby also live with him, he may be able to file as Head of Household.
  • He can claim his baby as a dependent if the baby meets the requirements to be his Qualifying Child.
  • He can claim YOU as a dependent if you meet the requirements to be his Qualifying Relative.

What If Someone Else Supports Me and the Baby?

  • If you and the baby are supported by someone other than the baby's father, they can claim you both as dependents if you meet the requirements to be their Qualifying Relatives.
  • If you and the baby are supported by a boyfriend who is NOT the baby's father, the boyfriend may still be able to claim your baby as a dependent, even if the baby does not meet all of the requirements to be his Qualifying Relative. He can claim your baby if you and the baby lived with your boyfriend all year, and you did not have enough income to need to file a tax return.