1. The download version allows you to create up to 5 returns for e-filing. The online version requires you to each have an account.
2. MFS can be very harsh. If you have rental income, retirement funds, or kids, I would really advise you look into how much you could lose.
Very few people file the federal return as MFS. Please follow the IRS link to help you decide which is best for you. IRS quick filing status quiz for your federal return.
As for the states, that can make a difference.
CA - same as federal Filing status | FTB.ca.gov
WA - no state tax
3. The house will offer mortgage interest and property tax, if you itemize deductions. You may have points paid. If you file separately, you must both itemize or both take the standard deduction.
See Is it better for a married couple to file jointly or separately?
4. I would recommend the download version because you can enter one of you. Save it with name. Then enter the spouse, save it MFJ. Enter the spouse as a new return- for the third return. You have three files to work from and play back and forth to see how the numbers move. The deluxe version handles the Sch A, if you itemize.
If you have something that does require an upgrade, one button click let's you upgrade instantly and continue on with your return. You can purchase it here.
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