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Marriage Tax Penalty Calculator

See if getting married increases or decreases your tax bill. Compare filing single vs married jointly using 2024 tax brackets.

Both Incomes
Tax Comparison
Filing Single
combined
Filing Jointly
as couple
Difference
per year
Your income
Partner's income
Combined income
Standard deduction (single × 2)
Standard deduction (married)
Tax when filing single
Tax when filing jointly
When Does a Marriage Penalty Occur?

Penalty: When two similar incomes are combined. The 22%–37% tax brackets for married couples are NOT simply double the single brackets — creating a "marriage penalty" for dual-income couples.

Bonus: When one spouse earns significantly more than the other. The higher earner benefits from being bumped into lower brackets on their partner's income portion.

SALT deduction: Married couples share a $10,000 SALT cap, vs. $10,000 each if filing single. This can magnify the penalty for high-tax-state couples.

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