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Level 1

Question

Filing jointly or separately

Forum|Forum|3 years ago
November 16, 2022
1 reply
3 views

My wife has a tax free pension due to disability. Her income is 90k mine is 130k. Should I file married head of household so that the IRS considers only my 130k income for tax purposes?

Level 4

Since her $90,000.00 is tax exempt, you should file as Married Filing Jointly (MFJ). This will help lower the tax on your $130,000.00 of taxable income. Using the 2021 tables, this will expose $104,900.00 to Federal Tax in the 22% tax bracket. Married Filing Separately would expose $117,500.00 to Federal Tax in the 24% tax bracket. More taxable income at a higher tax bracket. Not good.

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