Filing jointly or separately

[vamonos65]

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? 

[rferreira 1]

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.