Should I File Separately If My Husband Owes Taxes?

Filing taxes is a cumbersome process, and the number of questions or doubts you may have will only increase if you are married. For instance, you may wonder, ‘Should I file separately if my husband owes taxes?’ Read on to know more.
Should I file separately if my husband owes taxes
Should I File Separately If My Husband Owes Taxes?
If you are married and often wonder, “Should I file separately if my husband owes taxes,” around tax filing time, this blog is for you.
In this article

Am I innocent or liable for my partner’s tax debt? Should I file separately if my husband owes taxes? These are common questions among couples about filing taxes together or separately. While a marriage essentially brings two individuals together, joining their lives and responsibilities, due to the interwoven nature of financial obligations and duties, questions could arise regarding each spouse’s past tax liabilities. Let us learn about such liability and potential consequences in both situations. 


When filing their federal income tax returns, married couples can file jointly or separately. Many tax breaks are available to married couples who file jointly with the IRS.

Your spouse is responsible for any tax debt they had before you got married. Injured Spouse Relief and Innocent Spouse Relief can help if the IRS still attempts to collect from you. 

Your spouse may incur tax debts during your marriage, and your liability will be determined based on your marital and tax debts. 

Pros and Cons of Filing Separately

You can benefit from filing your tax return jointly with your spouse in many ways. Joint filers benefit from one of the most significant annual standard deductions when calculating taxable income.

Often, joint filers can earn a more significant income and still qualify for certain tax breaks because of higher income thresholds for certain taxes and deductions.

A couple that files separately, on the other hand, typically receives fewer tax benefits. Taxes may be higher if you file separate returns. However, individuals will only be liable for their tax debts and returns.

Benefits of Separate Filing

A couple who files separately experience many benefits, including:

  • Choosing the married-filing-separately status provides financial protection since the IRS won’t apply your refund to your partner’s tax bill. 
  • When one spouse falls behind on child support payments, the IRS may seize the refund of the other spouse.
  • When divorcing, couples may shun joint returns to avoid post-divorce IRS headaches, while spouses who disagree with their partners’ tax ethics may prefer to live separate tax lives.

Drawbacks of Separate Filing

  • For married taxpayers who file separately in 2023, the Standard Deduction will be $13,850, compared to $27,700 for married taxpayers who file jointly.
  • The deductions and credits mentioned above are often automatically disqualified if you file your tax return.
  • The deduction for IRA contributions is also usually limited to separate filers.
  • They also need help to take the deduction for student loan interest.
  • Jointly filed returns have a $3,000 limit, whereas separate returns have a $1,500 limit.

If you need more clarification about the process, consult a tax professional or seek assistance like Beem provides online.

Understanding Community Property States

Divorcing couples are required by community property law to split their assets 50/50, but only assets acquired while residing in the state. It is impossible to consider or divide community property as property owned by either spouse before marriage or after a legal separation.

Only nine states are community property states. However, their law varies; some lean more towards community property, while others adhere to common law. By having the law decide how much of what goes to whom and who gets what, squabbling will be eased.

Assessing Individual Tax Situations

The United States allows a person to be a resident and a nonresident for tax purposes simultaneously. This usually happens when you enter or leave the United States. The government requires dual-status individuals to file tax returns.

A U.S. resident must establish their U.S. residency to take advantage of a tax treaty benefit from a foreign country. It is necessary to complete the Certification of U.S. Residency for Tax Treaty Purposes.

The IRS considers you a nonresident of the United States if you are not a U.S. citizen or if you meet one of two tests. When you meet the substantial presence or green card tests for the calendar year, you are considered a resident of the United States for tax purposes. 

Consultation with Tax Professionals

A tax consultant or advisor assists individuals and organizations with their tax payments. Tax compliance, tax planning, and tax law are among their specialties. Individuals and businesses optimize their taxes long-term and short-term by employing the services of a tax consultant. Their goal is to minimize your and your partner’s tax liabilities throughout the year by assisting in the preparation of tax returns.


So, if you’re wondering, “Should I file separately if my husband owes taxes,” know that many factors must be considered when deciding whether married couples should file separately or jointly. Couples still determining which filing status to choose should compute their tax returns both ways to determine which will result in the biggest refund or lowest tax bill.

Consult your tax advisor if you still need to determine whether the married-filing-separately strategy suits you. There is always the possibility that you will miss out on some tax deductions. Check out Beem Tax Calculator to get a quick and accurate estimate of your federal and state tax refund.


Am I responsible for my husband’s tax debt if we file separately?

No, you won’t be responsible if you file taxes separately. 

Will the IRS take my refund if my spouse owes it?

Yes. Jointly filed tax returns may result in the IRS applying part of your refund to your spouse’s legally enforceable past-due debt. If you filed a joint return, you can use Form 8379: injured spouse allocation to recover your share of the joint refund.

Was this helpful?

Did you like the post or would you like to give some feedback? Let us know your opinion by clicking one of the buttons below!

Team Beem

Team Beem

Team Beem brings you the latest in the world of personal finance to you. From tips and tricks on how to manage money to how to get cash for emergencies, Beem is your destination for all the information you need to be smart about your money.

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

Related Posts

Do Homeless People Pay Taxes
Do Homeless People Pay Taxes?
Being homeless is a complicated problem that affects a huge number of people all over the United States. Some of them pay taxes, but not all do. Here's a detailed guide to help through paying taxes for homeless people.
List of Tax Deductions for Lawn Care Business [2024]
Do Nursing Home Residents on Medicaid Need to File Income Taxes?
Do Nursing Home Residents on Medicaid Need to File Income Taxes?
Low-income people obtain health insurance through Medicaid. If you are covered under this program, you may not have to file income taxes if your income is below the filing threshold. Let's read on to know more!
Taxes on game show winnings and prizes: How much tax you have to pay?
Winning at least $600 is likely to result in a 1099-MISC tax form being sent by the awarding entity to both the winner and the IRS. If no form is received, the winner is still obligated to report the winnings value.
60000 after tax
60k a year is how much a month/week/hour after taxes?
If you earn a yearly salary of $60,000, it is crucial to know the amount of income tax you are obligated to pay. Planning ahead and determining the income tax rate on a salary of $60,000 per year can help you efficiently navigate the tax filing process. Calculating how much you owe can be a daunting task, but our blog provides a useful breakdown to help you determine the amount of tax you need to pay this year.
W2 Form 2024: Everything You Need to Know
The IRS requires employers to send their employees a copy of their W-2 form by January 31 or face penalties. Even if you have quit your job, your last employer can send you a W-2 by  January 31 or earlier, in which case the employer has 30 days to provide it.

Get up to $1,000 for emergencies

Send money to anyone in the US

Ger personalized financial insights

Monitor and grow credit score

Get up to 20% on everyday spends

Save up to 40% on car insurance

Get up to $1,000 for loss of income

Insure up to $1 Million

Coming Soon

File federal and state taxes at low cost

Quick estimate of your tax returns

Get up to $1,000 for emergencies

Send money to anyone in the US

Save big on auto insurance - compare quotes now!

Zip Code:
Zip Code: