Hal_Al
Level 15

Deductions & credits

You may be thinking that  filing Married Filing Separately (MFS) is going to save you money, because you won't have to add your spouse’s income to your return. It doesn't work that way. There is a special rule that says Social Security (SS) becomes taxable at zero ($0) other income when Filing as MFS. So your spouse will have to report his SS either way

The doubled standard deduction will usually wipe out most of the spouse’s income, on a joint return. And you will still get to use the lower joint filing tax rates.

 

Before making a decision to file as MFS, you should run test returns and compare. You can use this tool: https://turbotax.intuit.com/tax-tools/calculators/taxcaster/?s=1