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Marriage Tax Calculator

Enter both partners’ income

2026 federal tax rules

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Yearly salary, wages and tips (Form W-2, box 1, before pre-tax deductions).

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Traditional 401(k), 403(b), deductible IRA and HSA contributions for the year.

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Count each child once, under the partner who would claim them if unmarried.

Head of household needs a qualifying child or relative living with you.

More options
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Interest, ordinary dividends, business or rental profit, taxable retirement income.

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Leave at 0 to use the standard deduction. When married, the two amounts are added together.

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Your 2026 comparison

Marriage penalty or bonus

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Tax as two unmarried filers

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Tax filing jointly

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Tax filing separately

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Federal income tax plus the 0.9% Additional Medicare tax, for tax year 2026. Not included: the refundable part of the child tax credit, the earned income credit, capital gains rates, self-employment tax and state taxes.

Side-by-side tax returns

Each column is one return. Unmarried uses the status you chose for each partner; separate returns split income, deductions and children as entered.

Partner 1 unmarriedPartner 2 unmarriedMarried filing jointlyPartner 1 filing separatelyPartner 2 filing separately

Results are estimates for educational purposes and are not financial, tax or legal advice.

Compare the 2026 federal tax two partners would pay as unmarried filers with filing jointly or separately as a married couple, and see whether marriage raises or lowers the bill. The income tax calculator online uses the same plain-English approach, so you can compare results side by side.