It’s wedding season and if you are celebrating a new marriage, one area you should consider is how this changes your tax status. Taking care of tax-related paperwork early can prevent headaches later and ensure you get the full benefits of your new filing status.

Update your name and address

If either spouse changes their name, update it with the Social Security Administration by filing Form SS-5 (Application for a Social Security Card). You can get this form at SSA.gov or by visiting a Social Security office. Once the SSA approves your name change (10-14 days), it will inform the IRS. The names on your tax return must match Social Security records exactly or your refund could be delayed. If either spouse changes their address, it is a good idea to complete and submit IRS Form 8822 (Change of Address). This will allow the IRS to contact you without delay should you be due a refund or should the agency have questions about a past return. The form includes detailed instructions on page 2. Also be sure to notify your employer of any name and address changes so that the tax forms it generates will match the IRS' records.

Adjust your tax withholding

Both spouses should give their employers a new Form W-4 (Employee's Withholding Certificate) within 10 days of marriage because your combined income may push you into a higher tax bracket or subject you to additional Medicare tax. Use the Tax Withholding Estimator on IRS.gov to check your withholding amounts and get guidance on completing Form W-4. This tool helps ensure you're having the right amount withheld from your paychecks throughout the year.

Choose your filing status wisely

As a married couple, you can file your federal income taxes either jointly or separately. Filing jointly typically provides better tax benefits, but it's worth calculating both options to see which saves you more money. When filing jointly, you combine both incomes and deductions on one return. This often results in lower overall taxes and makes you eligible for certain credits and deductions that aren't available to married couples filing separately. However, both spouses become responsible for the entire tax bill, including any penalties or interest. Filing separately means each spouse reports only their own income and deductions. While this limits your tax benefits, it may make sense if one spouse has significant medical expenses, miscellaneous deductions, or potential tax issues.

Final thoughts

Taking care of these tax-related tasks early in your marriage sets a solid foundation for managing your finances together. Handling paperwork promptly can save you time, money, and complications with the IRS down the road. Contact us using the form on this page with questions.

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