Marriage Tax Calculator
Compare individual vs joint tax filing for married couples. Discover if you have a marriage bonus or penalty.
Combined income
95.000 US$
Marriage bonus
-0 US$
You save by filing jointly
Filing separately
7432 US$
4016 US$ + 3416 US$
Filing jointly
7432 US$
0.0%
Individual breakdown
Spouse 1
Income
50.000 US$
Tax
4016 US$
Spouse 2
Income
45.000 US$
Tax
3416 US$
Visual comparison
Filing separately7432 US$
Filing jointly7432 US$
Income scenarios
| Incomes | Separate | Joint | Difference |
|---|---|---|---|
| 50.000 US$ / 50.000 US$ | 8032 US$ | 8032 US$ | -0 US$ |
| 75.000 US$ / 25.000 US$ | 9381 US$ | 8032 US$ | -1349 US$ |
| 100.000 US$ / 0 US$ | 13.841 US$ | 8032 US$ | -5809 US$ |
| 80.000 US$ / 80.000 US$ | 18.882 US$ | 18.882 US$ | -0 US$ |
| 150.000 US$ / 50.000 US$ | 29.555 US$ | 27.682 US$ | -1873 US$ |
What is the marriage penalty?
Occurs when a married couple pays more taxes filing jointly than they would as singles. Typically happens when both have similar high incomes.
When is there a penalty?
Typically when both spouses have similar high incomes. Tax brackets don't exactly double for couples.
When is there a bonus?
When there's a large income difference. The lower-earning spouse uses lower brackets that the other wouldn't access.