Single, Pregnant and Taxes

pregnant and taxes

Important: As a single parent, you should check if you qualify to e-File with the Head of Household filing status instead of the Single status. It might greatly reduce your taxes!

Single With a Dependent

Ok, 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?

If you get married on or before December 31 of a given tax year, then the IRS considers you married for the entire year. You now have a choice of 2 filing statuses: Married Filing Jointly and Married Filing Separately.

In most cases, it is more beneficial to file jointly. However, there are some exceptions where separate returns will yield a better result, and there are specific reasons why you might want to file a separate return. The eFile.com STATucator will help you determine the best filing status for you. If you end up getting married, you and your spouse can claim your newborn child as a dependent on your joint tax return or one of you can claim the dependent on a married filing separately return. The dependent can only be claimed once per tax return per year.

Find out more about marriage and taxes.

What If You do Not Get Married?

Let's assume that you don't get married. In this case, you will have 2 choices for your filing status: Single or Head of Household. Both you and the baby's father can file as Single, no matter what your relationship is after the baby is born. However, filing as Head of Household could get you lower taxes and/or a bigger tax refund, but you must have a dependent to file with the Head Of Household status.

If you take care of your newborn child and provide at least half the support, then you should file as Head of Household. This will allow you to claim a higher standard deduction on any income you may earn as well as entitle you to additional tax benefits. Also, claim your dependent to claim any deductions and credits, such as the Child Tax Credit.

Should I file as Single or Head of Household?

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. Claim your child as a dependent on your taxes and so you can take advantage of this. Note: only one person can claim a dependent per tax year. If you provide the most support as well as a home for this dependent, claim this filing status when you file your return.

See 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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Still Live Together?

Maybe you live together and raise the child 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.

Use the HOHucator tax educator tool

Can I Claim a Dependent While Pregnant?

Even though you are definitely supporting your baby during pregnancy, 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 of a given tax year, you will have to wait until the following tax year to claim the baby as a dependent. In other words, if you gave birth after December 31, 2021, you will have to wait until 2023 to claim your baby as a dependent on your 2022 Tax Return.

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 on your return.

See the requirements for claiming a Qualifying Child as a dependent.

Use the DEPENDucator tool

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 the 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 or Person - but not if you are married and are his spouse.

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 or Person.

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 or Person. He can claim your baby if you and the baby lived with your boyfriend all year and you did not have enough income and you do not need to file a tax return.

When you prepare and e-File with eFile.com, a simple tax interview will allow the app to determine all of this for you. It will suggest the best filing status, generate and help you complete the proper forms, and help you get the most of your 2022 Refund. File now or by April 18, 2022.

Additional Information on Marriage, Relationships and Taxes

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