We file as joint, this year I enter on the Tax return software my spouse’s W2 first and it said we owe $500, but then I enter mine and it went up to owing $6000! I earn 1/10th of his income and I get federal and state taxes retain on my paychecks, I work for the city and they don’t retain Social Security, but for $28K I don’t think I should get to pay $5500 extra, what can be wrong there?
The amount you would pay on federal income tax as a single person making $28000 is about $1600. The amount adding $28000 of income to the income of a married couple filing jointly making $280000 would increase your taxes is about $6700. You guys are probably both withholding taxes as if the other isn’t working, owing an extra $5500 because of that sounds reasonable
Enter your income first.
Notice you get a huge refund!
Now enter spouse’s income. It’s all their fault!
As another commenter stated, if you file as married filing jointly, there is no such thing as his income vs her income. All income is added together, and the order doesn’t matter. I wish tax software didn’t even display a refund until all information is entered.
As far as the $6000 shortage, nobody can answer why, since you didn’t provide any figures. But perhaps you selected “Married” on your W4 form? You have to either follow the full IRS withholding calculator, or for many couples, selecting “Single” will get close enough. “Married filing jointly” on the W4 form is for single-earning housholds.
You are under-withheld. Redo the W-4s. Follow the instructions for Section 2 on both W-4s and make sure to fully read and execute the instructions for sections 3 and 4 on the W-4 for the higher earner.
The order you put the W-2 into the software doesn’t matter, only the totals matter. Together, you and your spouse are not having enough withheld.
Keep in mind the tax bracket is progressive based on total earned income for the couple. It doesn’t matter who earns it.
If you are paying taxes as if you are single, or at a rate that ignores your spouses rate, you will owe much more at the end of the year because more money was earned in the under taxed bracket.
In other words, you probably paid taxes in the lowest bracket, but you should have been paying in a 22% or 24% bracket.
You don’t understand how taxes work. You make $28K and your spouse makes $280K. If you’re filing jointly then that’s irrelevant because you make a total of $308K. The order you enter the documents into your tax software doesn’t matter.
With $280K as a base, the next $28K is taxed at 24% which gives you two an additional liability of $6720. If you had around $1200 withheld from your checks then that all sounds about right.
If you make 28k you’re probably withholding very little, even though your household’s marginal tax rate is likely 24%. 24% of 28k is almost 7k.
You need to redo your W4 to withhold extra.
This is normal. When you indicate you’re filing MFJ, you’re getting double the standard deduction. So the expected return number will be wildly inaccurate until both incomes are in there. So you alone aren’t paying $5500 extra in taxes. Beyond that, if you’re paying in $6000, you both should probably adjust your withholding.
As another commenter suggested…..try redoing the taxes, but enter your info first. I’ll bet you that you see something similar. Owe a small amount, or even get a refund. And then when your spouse’s info is entered, you suddenly owe $6000.
How much in federal did you pay in of your 28k income?
I am in a similar boat with me and my wife. My wife makes about 1/8th of what I do. But her paychecks take out almost nothing from federal (only about 5%, $2400/yr). But adding her to my income, we are taxed at the 32% tax bracket, which means her 48k income should be getting taxed at 32% ($15k/yr), so we owe $12k more, after I put her w2 numbers in.
We amended her W4, to take out an extra $800/month, so it should be closer for 2023. I’d recommend you do the same, if that is in fact the problem.
Me and my spouse make decent money and we both have our w-4 as married filing jointly but withholding at the higher rate and generally don’t owe at the end of the year with our private sector jobs. But when we both had jobs with the federal government and filed in the same status we always owed money strangely. This was even when we both changed to a single rate withholding.
I figured that whatever accounting software that agency used was pretty much the culprit on why not enough taxes were not being taken out. If two working spouses claim single rate withholding through the year and then filed married jointly at the end of the year, you shouldn’t owe anything most times.
I’m so glad we both are no longer working for the federal government anymore. My spouse now makes double what she previously made and that is in less than a year after leaving the federal government.
The reason the IRS makes tables and calculators is because a lot of employers use crap accounting and payroll software that can screw you even when your w-4 is right even with no exemptions.
We always ended up owing thousands since we got married and it took us nearly 4 years to find out why.
We filed our W4’s as married, filing jointly, but didn’t calculate the withholdings correctly. That turned into an effective tax rate that was <5%. The first time it happened we were about to go on our honeymoon and we were told that we owed $2k. And every year after that we owed about $2k until this tax season, where we ultimately were able to get a near net even tax year.
I did my taxes on my own for the first time this year as well so I was able to see that one of my wife’s employers was withholding only 5% on federal income, but the social security taxes were correct. It was really odd. Still have to fix that, but at least we know now that we are better off filing our W4’s as single.
Why the hell isn’t your job withholding Social Security Tax? If they aren’t have you been paying it? Because you should be.
Progressive tax rates. So your income, by being added at the end, is likely getting taxed at the higher rates
This type of question is why people are better off using real tax forms and no TurboTax or equivalent. Your problem is that you don’t know how income taxes work, and you’ve outsourced this very basic adulting function to a scripted questionnaire.
Try working through a basic 1040. Even if you let TurboTax file your actual return this year, work up a parallel return alongside. This can be done with paper forms or something like FreeFileFillableForms. It’ll take a couple hours of work, but it will revolutionize how you understand your finances.
You may find our [Taxes wiki](/r/personalfinance/wiki/taxes) helpful.
*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/personalfinance) if you have any questions or concerns.*
Impossible to answer since you might be hitting the AMT with your income and then deductions go away
You have to look at the raw forms in your software to figure it out
Income tax rates are marginal. Since you entered his income first, your standard deduction first came out of that, so the first $25,900 of his income wasn’t taxed at all. Then the next $20,500 of his income was only taxed at 10%. Then the next $62,999 of his income was only taxed at 12%. Then when you put in your income, all of it probably fell into the 22% bracket.
If you’d done it the opposite way, and put in your $28,000 first, your tax showing would have been close to zero or maybe even negative (depending on credits), and then when you put in his income it would have leapt up dramatically. It’s just calculating the tax as you enter information, without the complete information.
But, yeah, if you make only 1/5 of what he does, your income is essentially “marginal” and between federal income taxes, state income taxes, and FICA, you are really only adding around $18,500 net to total family income. Then, if you have any work-related expenses (commuting expenses, work clothes, work lunches, childcare) you are netting even less. I’ve known some second income earners in a family who end up working full-time only to add nothing to the family income when all these expenses are accounted for.
People seem to be getting most of the way there. Part of this is the software, part of this is your tax rate.
1- The amount of taxable income you have is getting under taxed. A single person who makes 30,000 can take 13k as a deductible and gets taxed on the remaining 17k at a marginal tax rate of ~11%. So you’re probably getting taxed that amount on your paycheck. But since you have a partner, if they make 10x you, the 30k income that you’re adding SHOULD actually be taxed at a marginal rate around 30% (I’m ballparking these aren’t exact figures.
2- The software already includes the 25k deductible at the from the get-go. So it’s going to “Look” like 100% of your income is getting taxed, which impacts it as well.
It’s important to look at your income as one whole, not individual earnings.
Standard deduction within a higher tax bracket
MFJ settings give you a higher standard deduction………. nothing wrong. (I fell for that trap years ago myself)
Your money is getting piled on top of theirs. That means ALL of your money is getting taxed at their higher rate. Tax brackets are like gates, as you pile the money up higher, you cross over into a new bracket, every dollar you add after each bracket is taxed at that higher rate. Your income is just adding to there large pile that already crossed into the higher brackets.
I’m dealing with something similar. My wife’s HSA is killing us. We went from getting back thousands to possibly owing. There’s something wrong with Turbo tax. It told me that I needed to call my HR because they took out too much social security tax and my work owed me $2k. I entered it into a different tax software and all was well. I went back to turbo tax and uploaded it as a pdf instead of manually entering it, and that time it worked fine. So, I’m trying different software and will probably end up paying someone to do it.
Depending on your state the better option may be for you to file married filing separately.
Because your income is taxed at your household tax rate, but it was withheld at your individual rate. Your employer doesn’t know about your spouses income.
For example, let’s say you make $30k and your individual tax rate is 10%. Your employer would withhold $3k
But as a household you make $330k, and your household tax rate is 30%. That means the tax owed on your $30k is $9k, not the $3k withheld. Therefore you would owe $6k in taxes.
Next year you can elect to have additional withholdings to try to get your unpaid tax bill closer to $0
Are you disabled, by chance?
Most of your partners taxes have already been paid via the employer(s) withholding a portion of your income.
But the taxes relating to your income haven’t been paid yet, meaning when you add your income to the tax software the entire bill gets added to the “taxes owed” section.
One of you guys need to increase your withholdings. If you have no deductions it should be about 20% of your combined taxable income. If you do have deductions it depends on what they are but you might be able to get away with 15%.
Assuming you make roughly the same each year you should be able to get it so that you only pay/get a few hundred dollars when you file.
Thank you for your post. I really enjoyed reading it, especially because it addressed my issue. It helped me a lot and I hope it will also help others.
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