Marriage isn’t just about joining lives—it’s also about joining finances in the eyes of the IRS. If you said “I do” in 2025, even as late as December 31, you are considered married for the entire tax year. That change can unlock new deductions, alter your withholding, and even affect your refund.
Before filing your return, the IRS recommends specific steps to avoid costly mistakes or delays. From updating your name to revisiting your filing status, these actions can save time, reduce stress, and possibly boost your refund.
Here’s a complete, easy‑to‑follow checklist that every newlywed should review before submitting a 2025 tax return.
Why Marital Status on December 31 Matters
Your marital status on the last day of the year determines your tax filing choices. Even couples married late in December count as married for the full year. This allows you to select between:
- Married Filing Jointly (MFJ): Typically the most beneficial, offering a higher standard deduction—$29,200 for 2025—access to more tax credits, and often a lower tax rate.
- Married Filing Separately (MFS): Sometimes preferable in specific situations, like when one spouse has significant medical expenses, legal obligations, or certain student loan repayment plans.
Choosing the right status is crucial because it directly impacts your tax bill and refund amount.
The IRS Checklist for Newlyweds
The IRS provides a clear roadmap to make sure your records match and your refund isn’t delayed:
| Step | What To Do & Why It Matters |
|---|---|
| Update Your Name | If you changed your last name, inform the Social Security Administration using Form SS‑5 so your tax return matches official records. |
| Update Your Address | Moved in together? Submit Form 8822 to the IRS to ensure refund checks and documents reach you. |
| Adjust Withholding | Use the IRS Tax Withholding Estimator and update your W‑4 at work. Your new status may change how much tax is withheld. |
| Select Filing Status | Compare joint vs. separate filing options to see which yields the best outcome for your situation. |
| Coordinate Deductions | Review income‑based benefits like the Earned Income Tax Credit or student loan interest deductions, as combined income can change eligibility. |
Key Forms You Might Need
- Form SS‑5: For name changes with the SSA.
- Form 8822: For address updates with the IRS.
- W‑4: To adjust tax withholding at your workplace.
Having these in order helps prevent mismatches that could lead to refund delays or IRS notices.
Extra Tax Benefits for Married Couples
Getting married can open doors to larger deductions and credits:
- Higher phase‑out limits for deductions
- Joint IRA contribution deductions
- Expanded eligibility for the Child Tax Credit
- Student loan interest deductions, if applicable
These benefits can add up, so review them carefully with your spouse or a tax professional.
Marriage changes more than your last name—it reshapes your financial picture. By following this IRS checklist for newlyweds in 2025, you can avoid common filing errors, secure the deductions you’re entitled to, and keep your refund on track.
Stay proactive, update your records now, and enjoy the peace of mind that your first tax season as a married couple will be smooth and stress‑free. Because starting your new life together should be about celebrating love—not worrying about tax penalties.
FAQs
What happens if I don’t update my name with SSA?
- Your tax return might not match SSA records, which can lead to rejection or delayed refunds.
Should all married couples file jointly?
- Not always. If one spouse has high medical expenses or unique liabilities, filing separately may be better.
Can changing my address affect my taxes?
- Yes. Without the correct address on file, you could miss important IRS correspondence or a mailed refund check.
