Filing Status Optimizer
Your filing status affects your standard deduction, tax brackets, and eligibility for credits. Find the status that results in the lowest tax.
Marital Status
Select the option that describes your marital status as of December 31.
How Filing Status Affects Your Taxes
Your filing status determines three key things: your standard deduction amount, which tax bracket thresholds apply to your income, and your eligibility for certain credits and deductions. Choosing the wrong status can cost you hundreds or even thousands of dollars. The IRS determines your status based on your marital and household situation as of December 31 of the tax year.
Can I Change My Filing Status?
You can change your filing status by filing an amended return (Form 1040-X) within three years of the original filing date. However, if you filed jointly, both spouses must agree to switch to separate returns. The reverse is allowed: both spouses can amend from MFS to MFJ within three years. If your circumstances change mid-year (marriage, divorce, death of spouse), your status as of December 31 is what matters for the entire year.