MFJ is usually better. to see each possibility, you possibly could do it with one account, but note that you would possibly have to pay several fees and you would need to delete the old return before creating the next version or you could create 3 account - 2 for MFS and 1 for joint but again the fees. you could also buy desktop software that will allow you to do as many versions as you like for only one fee. don't forget state, if your state has an income tax. note that some maximum amount for taxes and mortgage interest are cut in half for MFS and many tax credits can not be taken
for joint account the taxpayer's ID that's on the 1099 should report full amount then subtract half otherwise they'll ne a matching problem the spouse reports the other half.
