Marriage Tax Impact Calculator
Calculate how getting married affects your federal tax liability. Compare filing jointly vs. separately based on projected 2025 tax brackets and see potential savings or penalties.
Enter Your Tax Information
How Marriage Affects Your Taxes
Marriage can result in either a “marriage bonus” (tax savings) or “marriage penalty” (higher taxes) depending on:
- Income disparity between partners
- Combined income level
- Current tax brackets and deductions
- Filing status before marriage
This calculator uses projected 2025 federal tax brackets and standard deduction amounts.
Tax Comparison Results
| Filing Status | Combined Income | Tax Liability | Effective Tax Rate |
|---|---|---|---|
| Single (Combined) | $140,000 | $27,450 | 19.61% |
| Married Filing Jointly | $140,000 | $25,920 | 18.51% |
| Difference | – | -$1,530 | -1.10% |
Understanding the Marriage Tax Impact
Marriage Bonus: Occurs when couples save money by filing jointly, typically when there’s a significant income disparity between partners.
Marriage Penalty: Occurs when couples pay more tax by filing jointly, typically when both partners have similar high incomes.
Note: This calculator provides estimates based on projected 2025 federal tax brackets. State taxes, credits, and other factors may affect your actual tax liability. Consult a tax professional for personalized advice.