Marriage Tax Calculator
Estimate the marriage bonus or penalty: total federal tax as a married couple filing jointly versus each spouse filing single, using 2024 U.S. federal brackets, the standard deduction, and child tax credits.
TheCalculators — Marriage Tax Calculator
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Marriage Bonus
$0
Filing jointly costs $7,312 vs $7,312 filing as two singles (2024 brackets)
- Tax Filing Jointly
- $7,312.00
- Tax as Two Singles
- $7,312.00
- Joint Taxable Income
- $64,800
- Standard Deduction (joint)
- $29,200
- Marginal Rate — Joint
- 12%
- Marginal Rate — Single (S1)
- 12%
- Child Tax Credits
- $0
- Effective Rate — Joint
- 7.78%
Joint return bracket breakdown
Estimate using 2024 federal brackets, standard deduction ($29,200 joint / $14,600 single), and a $2,000 child tax credit per dependent. Does not include state tax, FICA, or itemized deductions.
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Formula
Tax(joint) − [Tax(single A) + Tax(single B)]; negative = marriage bonus, positive = marriage penalty
Pro tips
- • Two similar incomes often pay a small marriage penalty; one high and one low income usually earns a bonus.
- • Marriage status is set by your situation on December 31 — marry on Dec 31 and you file jointly all year.
FAQ
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