TurboTax Deluxe will handle W-2 income and Form 1098. HERE is a link that compares the versions.
Now that you are a Homeowner, you may have Form 1098. Form 1098 reports Home Mortgage Interest and might help lower your taxable income if you itemize deductions.
The Standard Deduction for Married Filing Separately is half that of Married Filing Jointly, and the spouse with the higher income will pay a higher rate on that income if you file separately, so your combined tax rate may not change much regardless if you choose to file jointly or separately; however, filing Married Filing Jointly is almost always the better option than filing Married Filing Separately. Some credits can be lost when filing Married Filing Separately and credits can lower your tax liability.
Choosing Online or Desktop is a personal preference. Taxpayers that like to go into different tax forms seem to prefer Desktop, where those that like the convivence of access prefer Online.
State returns can be added and filed using any TurboTax product.
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