You'll need to sign in or create an account to connect with an expert.
Sounds like you made a number of mistakes.
Let's start with filing Head of Household. Unless you lived apart from your husband for at least the last six months of 2025 and had custody of the children that is a mistake that you have to fix. You cannot file HOH if you lived with your spouse. And it does make a difference. If, in fact, you and your spouse did live apart for at least six months then filing as HOH is legit if you have had the children.
If you still want to file married filing separately you will have to change your filing status to married filing separately in MY INFO when you amend.
When you file MFS you will have to enter information about your husband---it did not ask you about your spouse because you incorrectly filed HOH. You will need to enter your spouse's name, SSN, date of birth, and whether the two of you will use standard deduction or itemized deductions. If you are in a community property state there will be more questions and it gets trickier.
You cannot amend yet. You have to wait for the return to be fully processed. The Form 1040X you will need will not be available until February 26 (date subject to change). Since your standard deduction will be less when you change to MFS, you might have to pay some of the refund back. And you may lose some other credits like earned income credit if you were getting it. You will also lose education credit if you were getting anything for student loan interest or a child in college.
Not sure why you chose to file married filing separately---which is usually the worst way to file. Read some of this information about filing MFJ and MFS and decide if you want to amend from HOH to MFS or amend from HOH to MFJ with your spouse and change it all to a joint return.
If you were legally married at the end of 2025 your filing choices are married filing jointly or married filing separately when you prepare your 2025 return.
Married Filing Jointly is usually better, even if one spouse had little or no income. When you file a joint return, you and your spouse will get the married filing jointly standard deduction of $31,500 (+ $1600 for each spouse 65 or older) for 2025. You are eligible for more credits including education credits, earned income credit, child and dependent care credit, and a larger income limit to receive the child tax credit.
If you choose to file married filing separately, both spouses have to file the same way—either you both itemize or you both use standard deduction. Your tax rate will be higher than on a joint return.
Some of the disadvantages of filing separately include:
You cannot get earned income credit,
You cannot get education credits or deductions for student loan interest.
You cannot get the childcare credit
You have a lower amount of income on which to base the refundable additional child tax credit
85% of your Social Security benefits will be taxable even with no other income
The amount you can contribute to a retirement account will be limited.
Capital loss deduction is less than if you file jointly
You cannot get the $6000 senior deduction
You cannot get the deductions for overtime or tips
If you live in a community property state, you will be required to provide additional information regarding your spouse’s income. ( Community property states: AZ, CA, ID, LA, NV, NM, TX, WA, WI) and your returns become very complicated.
If you are using online TurboTax to prepare your returns, you will need to prepare two separate returns and pay twice since with online, you get one return per fee.
the reason I filed separately is because my husband is paying child support from his ex partner, and last year it was out first time doing it together and I didn’t received nothing even if it says that I was going to receive something especially since I have a child (not his). So I thought it will be ok for me to do it separately so I can at least receive something back.
this time when I tried to do it separately I only erased his W2 form, but for some reason It erased all his information and I don’t remember clicking where it says that we live separately, I triple checked and it did not show me that part at all, and I also checked to click where it says filed separately, but it never showed anything so I assumed everything was a go, until I downloaded the file and that’s where I saw the mistakes, I hope I don’t get in trouble or my husband, but thank you for your response I appreciate it.
Still have questions?
Questions are answered within a few hours on average.
Post a Question*Must create login to post
Ask questions and learn more about your taxes and finances.
terricaj1982
New Member
Periwinkle65
Level 5
jncerqueira12
New Member
zombitroid
Level 3
lisa986
Level 2