Marriage tax calculator

Compare 2026 ordinary federal income tax for two single filers with a married couple filing jointly.

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Person 1 adjusted gross income (USD)

Person 2 adjusted gross income (USD)

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Tax year

Answer

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Compare 2026 ordinary federal income tax for two single filers with a married couple filing jointly.

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Formula and assumptions

This illustration uses the basic standard deductions and ordinary income brackets for 2026. It excludes credits, itemized deductions, preferential capital-gain rates, age/blindness additions, senior deductions, payroll taxes, AMT, state taxes and income-dependent deductions. The single-filer comparison is hypothetical; married people cannot simply choose to file as single. This is not a filing recommendation or a full marriage-penalty estimate.

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Updated 2026-10-03

Using Marriage tax calculator

Compare 2026 ordinary federal income tax for two single filers with a married couple filing jointly.

Next: Income tax calculator

Next: AGI calculator

A worked example

With incomes of $80,000 and $0, the basic 2026 standard deductions leave $63,900 of single taxable income or $47,800 jointly. Ordinary federal tax is $8,770 versus $5,240: $3,530 less jointly before any other tax rules.

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Example results for person 1 adjusted gross income (usd)

These examples use Person 2 adjusted gross income (USD): 0; Tax year: 2026. They are reference calculations, not recommended settings.

Person 1 adjusted gross income (USD)	Joint minus two-single federal tax (USD)
40000	-1840
80000	-3530
160000	-9594

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ToolOctopus. “Marriage tax calculator.” Updated 2026-10-03. https://tooloctopus.com/marriage-calculator.

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