It depends. Typically, filing jointly as a married couple comes with several tax advantages, and could reduce the amount of tax you owe. However, every situation is different, and there are certain circumstances when it may make more sense to file separately.

When it may make sense to file separately if you’re married:

  • If you or your spouse has costly out-of-pocket medical expenses: The IRS only allows a taxpayer to deduct medical expenses greater than 7.5% of their AGI (adjusted gross income). Filing separately could help you surpass the IRS threshold to make the medical expenses tax deductible.
  • If you or your spouse has student loan payments: Filing separately may give you more favorable loan repayment options.
  • If you and your spouse have vastly different incomes: In some situations where spouses have big differences in income, it may be more beneficial to file separately, especially if the spouse who earns less has several itemized deductions. Couples in this situation should reevaluate each year.
  • If you or your spouse has a tax liability issue: If one spouse owes back taxes or has refused to file a tax return, filing separately can help protect the other spouse.
  • If you and your spouse are separated and/or divorcing: Filing separately can help couples going through the process of separation or divorce start to untangle their finances.

The filing status you choose can impact everything from the deductions and credits you qualify for to the dependents you can claim, but the right option for you depends on your situation. Work with a Tax Pro who can help you maximize your tax benefits and get you every dollar you deserve. Book your appointment today.

Sharon Brucker, CPA Senior Tax Research Analyst Published on: August 07, 2025
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*This content is for general informational purposes only. It is not intended to be comprehensive and should not be construed as professional tax or financial advice for any specific individual tax situation. Taxpayers should always consult a qualified professional for individual guidance. This information constitutes a solicitation under the Treasury Department's Circular 230. Most offices are independently owned and operated.