There are five types of tax filing statuses: head of household, qualified widow(er), married filing jointly, married filing separately and single. Your tax filing status can have a big effect on your tax bill and which tax forms you’ll need to fill out. Show
Tax filing status options
Head of householdWho can use it:Typically, unmarried people who paid more than half the cost to keep up a home for the year and provided most or all the support for at least one other person for more than half the year. How it works:
What it gets you:This filing status gets you bigger tax deductions and more favorable tax brackets than if you just filed single. The standard deduction for single status is $12,550 in 2021 — but it’s $18,800 for head of household. And $50,000 of taxable income will land you in the 22% tax bracket if you're a single filer, but if you're filing as head of household, you'll only be in the 12% bracket. Qualified widow or widowerWho can use it:People who lost a spouse recently and are supporting a child at home. How it works:
What it gets you:The qualified widow or widower status lets you file as if you were married filing jointly. That gets you a much higher standard deduction and better tax bracket situation than if you filed as single.
Married, filing jointlyWho uses it:Most married couples. How it works:
What it gets you:Probably a lower tax bill than if you file separately; your standard deduction — if you don’t itemize — could be higher, and you can take deductions and credits that generally aren’t available if you file separately. Married, filing separatelyWho uses it:High earners who are married, people who think their spouses may be hiding income or people whose spouses have tax liability issues. For example, if you're thinking of or are in the process of divorcing and don't trust that your spouse is being upfront about income, this option might be for you. If you've recently married someone who is bringing tax problems into the mix, filing separately might be worth thinking about. How it works:
What it gets you:Usually just a bigger tax bill, but there are a few possible perks.
SingleWho uses it:Unmarried people who don’t qualify for another filing status. How it works:
What it gets you:Possibly lower taxes if you make a lot of money. That’s because at the very highest tax brackets, the income levels that determine the tax brackets for married people filing jointly are less than double the income levels that determine the tax brackets for single people. It’s a phenomenon called “the marriage penalty,” and it means married couples end up in higher tax brackets faster than single people do. For example, let’s assume you and your partner were single in 2021 and you each had $325,000 of taxable income. You each use the single tax filing status. You’ll each be in the 35% tax bracket. Now let’s assume you and your partner are married and use the married, filing jointly tax filing status. You still each make $325,000. You might expect to remain in the 35% bracket, but that’s not the case anymore. If you’re married and filing jointly, your income — simply because it’s combined — puts you squarely in the 37% bracket. How should I file my taxes if my spouse did not work?You can file a joint tax return with your spouse even if one of you had no income. You can use the Married Filing Jointly filing status if both of the following statements are true: You were married on the last day (December 31) of the tax year. You and your spouse both agree to file a joint tax return.
How should I file if my wife has no income?Married Filing Jointly
The vast majority of married couples file jointly—over 95%. You can choose married filing jointly as your filing status if you are married and both you and your spouse agree to file a joint return. You can file a joint return even if one of you had no income or deductions.
What if my spouse has no income should we file jointly?Even if you or your spouse had no income or deductions, you can still file a joint return. In contrast, you can use the Married Filing Separately status to report your own income, exemptions, deductions, and credits on two separate tax returns. Even if only one of you had income, you can still file a separate return.
Can you file head of household if married and spouse doesn't work?To qualify for the head of household filing status while married, you must be considered unmarried on the last day of the year, which means you must: File your taxes separately from your spouse. Pay more than half of the household expenses. Not have lived with your spouse for the last 6 months of the year.
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