Yes, you can use TurboTax to weigh the differences as an estimate by setting up accounts for each scenario in TurboTax Desktop. This version will allow you to create practice returns and you are not trying to file them. You can keep changing the scenario with changes in your income.
Check the interest amount if you cashed in the bonds and then add that interest to the rest of your income on a married filing jointly status and in the other account use the single status to see the differences
2025 Filing jointly or separately (using 2024 software):
There is also a 'What-if Worksheet' you can use in TurboTax Desktop. Select 'Open Form' and type 'what', then click the 'What-if Worksheet. Use the Married Filing Joint versus Married Filing Separate checkbox to see these results however the tax would be higher using this. This is a quick view in worse case scenario.
Also TurboTax Online can be created for each scenario. You can use a different user name for each online account.
The tax brackets in 2024 will give a good indicator of your tax situation based on income and filing status. We could assume they will go up by 2030 however working with what we know is the place to start. Also you can see the tax rates for 2025 in the link below.
We are sorry for your loss.
[Edited: 04/08/2025 | 7:05 AM PST]
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