Getting Married? Here’s How It Changes Your Taxes
Tying the knot changes more than your last name—it also changes your tax situation. Whether you just got married or you’re planning to say “I do,” here’s how your taxes will be different.
1. 👫 You’ll File Jointly (Most Likely)
After marriage, you can choose to file:
Married Filing Jointly (most common, and usually offers the lowest tax rate)
Married Filing Separately (used when one spouse has high deductions or liabilities)
Filing jointly often means:
A higher standard deduction ($29,200 in 2025)
Better tax brackets
Access to more credits and deductions
2. 💼 Your Tax Bracket Might Shift
Your combined income could push you into a different tax bracket. While joint filers get more favorable rates, your overall tax bill may go up or down depending on income and deductions.
3. 🧮 Withholding May Need an Update
Update your W-4 form with your employer after marriage. Use the IRS Withholding Estimator to make sure you’re not over- or underpaying throughout the year.
4. 💳 More Tax Credits Available
Filing jointly may make you eligible for:
The Earned Income Tax Credit (EITC)
The Child Tax Credit
Education credits and other benefits
Just make sure your income stays within qualifying limits.
5. 🏡 Shared Deductions & Expenses
Married couples can combine deductions like mortgage interest, charitable donations, and medical expenses (if itemizing). That can boost your tax savings!
6. 📝 Name & Address Updates
If you change your name, notify:
The Social Security Administration (so your name matches your tax records)
The IRS (use Form 8822 if you changed your address)
💡 Final Tip: Getting married is a perfect time for a financial checkup. Adjust your tax planning, review withholdings, and maybe even sit down with a tax pro to avoid surprises next tax season.