My husband didn’t have federal taxes withheld all year. I need my tax return due to car accident putting me out of work. Should I file married seperately or joint?

[kyates89]

My husband and I just got married in July last year so neither of us have filed married before. We split all finances 50/50 and make about the same paycheck. He told me today he didn’t have any federal taxes withheld all year. I’m frustrated because I’ve been out of work for the last 2 months from a car accident and was counting on a tax return for my lost wages. I imagine he will owe a lot and my refund will go towards his debt. My question is, would it be more beneficial for me to file separately? Or will that hurt us worse?

[Vanessa · Accepted solution]

It depends on your entire situation.  The best way to determine this is to create one or 2 more dummy accounts.  Do your taxes as married filing jointly, then do a return for each of you individually. Compare the results.  You can choose to file whichever way produces the best result.  

If you don't have kids, aren't taking a student loan interest deduction and don't qualify for a few other credits, filing separate will not likely hurt you.  But, it is best to put the numbers in to be sure.