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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
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Tax Comparison
Filing Single
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combined
Filing Jointly
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as couple
Difference
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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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