Tax Deductions for Stay at Home Moms: All You Need to Know

Anyone who has ever spent even a single day doing household chores, looking after the children, and cooking for the family, will understand just how busy and stressful it can be to be a stay-at-home mom.

Far from being the easy, relaxed lifestyle that many people assume it to be, being a stay-at-home mom is a full-time job on its own, and mothers who make that sacrifice for their family need to be appreciated more by society.

Not only are people that donate to charity, or adopt a child, entitled to file for tax deductions, but with the right tax advice, even stay-at-home moms can get certain benefits too.

More tax information, tax planning, and help with tax problem resolution, are available from the Certified Public Accountants (CPA), at Marcus, Fairall, Bristol + Co. PLLC.

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What Is a Tax Deduction?

A tax deduction is an outcome when taxable income is lowered to reduce tax liability. This is done by subtracting the amount of tax deduction from the income, thus making the taxable income lower, which subsequently lowers the tax bill.

Who Is Eligible for Tax Deductions?

The list of situations where tax deductions apply is a very long one because there are literally hundreds of deductions out there. Here are a few examples of these deductions:

Student Loan Interest Deduction

Students who paid interest on their loans can get up to $2,500 worth of deductions.

Charitable Donations Deduction

Individuals are eligible to make deductions of $300 ($600 if filed as a married couple) on the value of their donated goods.

Medical Expenses Deduction

Tax deductions can be made for qualified, unreimbursed medical bills that amount to more than 7.5% of the gross annual income.

401 (k) Contributions Deduction

Any money diverted from a paycheck into a 401 (k) is not taxed by the IRA. However, there are limits to the total amount that can be contributed.

Tax Planning Services

Stay-at-home moms from El Paso, Texas, can get all the tax planning services they need from the experienced CPAs at Marcus, Fairall, Bristol + Co. PLLC. These include answering questions regarding the Tax Policy on stay-at-home moms such as the following so-called “5 Ds of tax planning:”

  1. Dividing their tax dollars into total and overall tax rates
  2. Disguising one tax payment into another, under the heading of another job
  3. Deducting from partially claimed or unclaimed tax deductions from previous years
  4. Dodging a payment that is due – Legally of course  
  5. Deferring tax payments to the following year

How Stay-At-Home Moms Can Get Tax Deductions

The most important assistance moms can get from a CPA is advice on tax breaks for stay-at-home moms. It is very unfortunate that at this time, no specific tax breaks are tailored for mothers who either choose or are forced by circumstances, to stay at home unemployed.

This does not seem fair, considering the important societal contribution made by stay-at-home moms. In fact, a recent study suggested that the financial impact on a family that is caused by loss of income when a mother decides to stay at home can be as high as $39,300, or much more.

That is why it is important to get sound advice about other ways to benefit from tax deductions. In most cases, these are centered on the mom’s marital status, and any children that belong to, and are cared for, by the married couple. The following, are tax breaks that can be exploited by stay-at-home moms:

A Tax Credit for Each Child

The tax credit, for each child aged 16 years and below, is $2,000 as of 2022 going forward. These amounts had been increased during the Coronavirus pandemic.

Tax Credit for Other Dependents

When stay-at-home moms are supporting children over the age of 19 years, the government will consider them as dependants, and a tax credit of up to $500 is applicable.

Qualifying as Head of Household

A stay-at-home mom, who is unmarried, can qualify as a head of household, regardless of employment status. As of 2021, the standard deduction for a head of household is $18,650, which is significantly more than the $12,550 awarded to moms who file as single parents.

A Tax Credit When Actively Looking for a Job

If a stay-at-home mom can show that she is actively seeking employment, she qualifies for a tax credit of up to $3,000 for a single child or $6,000 for two or more children, provided that the children are under the age of 13 years.


With sound tax planning advice, there can be many ways to make the tax system work for stay-at-home moms, allowing them to get the benefits they richly deserve for the amazing sacrifices they make for their families each day.

The CPAs at Marcus, Fairall, Bristol + Co. PLLC, understand this very well and are ready to assist all stay-at-home moms in El Paso, Texas.

Contact Marcus, Fairall, Bristol + Co., PLLC for Any Tax Questions

If you’re looking to ask a CPA (Certified Public Accountant) about any tax-related questions whether it be tax filing, tax planning, or if you have any tax issues, give our firm a call. We’ve been providing El Paso, TX with tax services for over 30 years!

Marcus, Fairall, Bristol + Co., PLLC
CPA Firm in El Paso, TX
230 Thunderbird Dr Ste G, El Paso, TX 79912
Phone: (915) 775-1040