Jerry
Getting married changes your life — and your tax situation. While you may still be basking in newlywed bliss, the IRS wants you to know that saying “I do” affects how you file your taxes.
As the 2026 tax season approaches, it’s important to be aware of the IRS rules that apply to newly married couples.
From choosing the right filing status to updating your information with the Social Security Administration (SSA), this guide will walk you through the IRS tax checklist for newlyweds, helping you make smart financial decisions and avoid costly delays.
Why Marital Status Matters at Tax Time
For IRS purposes, your marital status on December 31, 2025, determines your filing status for the entire tax year. So, if you’re married by the end of the year — even if you just got married on December 31 — you’ll be considered married for all of 2025.
Newlyweds typically choose between two filing statuses:
- Married Filing Jointly
- Married Filing Separately
Filing jointly often offers the most benefits:
- Higher standard deduction: $29,200 in 2025 (vs. $14,600 for single filers)
- Lower overall tax rate
- More tax credits (EITC, education credits, etc.)
- Larger IRA deduction thresholds
However, filing separately may make sense in specific cases, like when:
- One spouse has significant medical expenses
- One partner has outstanding tax debt or legal obligations
- You’re on an income-based student loan repayment plan
IRS Tax Checklist for Newlyweds in 2025
Follow these essential steps to prepare your taxes properly and ensure a smoother tax filing process next year.
| Checklist Item | Details |
|---|---|
| Update Your Name | If your name changes after marriage, notify the Social Security Administration (SSA) by filing Form SS-5. The name on your tax return must match SSA records. |
| Report Address Changes | If you move to a new residence, file Form 8822 with the IRS and update your address with the U.S. Postal Service. |
| Check Withholding | Use the IRS Tax Withholding Estimator to adjust your Form W-4 and avoid underpayment or overpayment. Your new filing status can impact tax brackets. |
| Choose the Right Filing Status | Evaluate whether Married Filing Jointly or Separately works better for your situation. Most couples benefit from filing jointly. |
| Combine and Organize Financial Records | Collect both spouses’ income documents, W-2s, 1099s, student loan interest, and IRA contributions. Accurate records reduce audit risks. |
| Know Your Tax Benefits | You may qualify for expanded tax credits as a married couple, including the Child Tax Credit, Saver’s Credit, and education deductions. |
| Update Health Insurance Marketplace Info | If you’re on a Marketplace health plan, report your household and income changes to avoid incorrect premium tax credits. |
Filing Jointly vs. Separately: Pros and Cons
| Filing Status | Pros | Cons |
|---|---|---|
| Married Filing Jointly | Lower tax rate, higher standard deduction, access to credits | Joint liability for any errors or debt |
| Married Filing Separately | Can separate liability, beneficial for income-driven loan plans | Lose access to some credits and deductions |
What Happens If You Don’t Update Your Records?
Failing to update your name or address could delay your tax refund. The IRS uses SSA records to validate names and banking details to deposit refunds. A mismatch could flag your return for review or rejection.
Additionally, not adjusting your withholding could lead to a tax bill in April or smaller-than-expected refund. If you’re both employed, your combined income may push you into a higher tax bracket, requiring strategic tax planning.
Tips to Maximize Your Refund
- Contribute to traditional IRAs and 401(k) plans to lower taxable income.
- Track and deduct student loan interest or qualified education expenses.
- Consider using a CPA or tax software with guidance for newlyweds.
- If one of you is self-employed, explore estimated tax payments or qualified business deductions.
Marriage comes with many joyful changes — and a few tax responsibilities. By following this IRS tax checklist for newlyweds, you can avoid filing mistakes, maximize your refund, and ensure a smooth tax season in 2026.
Don’t wait until April. Start updating your records, reviewing your tax situation, and planning together as a couple now.
A few simple steps today can save you time, money, and stress tomorrow. Let your marriage be filled with love — and smart financial planning.
FAQs
What should I do if my name changed after marriage?
You must notify the Social Security Administration to update your name. File Form SS-5 so your name matches IRS records, preventing refund delays.
Should newlyweds file taxes jointly or separately?
It depends. Most couples benefit from filing jointly, but if one spouse has significant debt or special circumstances, filing separately may be better.
How can I update my withholding after getting married?
Submit a new Form W-4 to your employer. Use the IRS Withholding Estimator to ensure your new marital status is accurately reflected in your paycheck.