How to Find Your Spouse’s AGI on a Tax Return

Understanding where to find your spouse’s Adjusted Gross Income (AGI) on a tax return is important for financial and legal purposes. Whether for loan applications, educational grants, or accurate personal records, knowing how to locate this information is essential.

This article will explain how to find your spouse’s AGI across different filing scenarios to help you access this financial data efficiently.

Locating AGI in Different Filing Scenarios

Finding your spouse’s AGI depends on the chosen filing status. Each scenario—joint, separate, or head of household—has specific guidelines for locating this key figure.

Joint

When filing jointly, both spouses’ incomes and deductions are combined into a single AGI figure. This amount is located on line 11 of IRS Form 1040 for the 2023 tax year. Joint filing often offers benefits like a higher standard deduction and access to more tax credits, which can influence the AGI. To avoid discrepancies that could trigger audits or penalties under Internal Revenue Code (IRC) Section 6662, ensure all income and deductions are accurately reported. Review W-2 forms, 1099s, and other income documents before completing the return.

Separate

Filing separately results in two distinct AGI figures, as each spouse files their own tax return. The AGI for separate filers is also found on line 11 of Form 1040. This option is sometimes chosen for financial privacy or when one spouse has significant itemized deductions. However, filing separately can lead to higher tax liabilities due to reduced access to certain credits and deductions, though it may shield one spouse from joint liability under IRC Section 6015. Consulting a tax advisor can help determine whether this filing status is the best choice for your circumstances.

Head of Household

The head of household filing status applies to individuals who financially support a home for dependents. To qualify, you must be unmarried or considered unmarried at the end of the tax year and pay more than half the cost of maintaining the household. The AGI for this status is listed on line 11 of Form 1040. This filing status typically offers a lower tax rate and a higher standard deduction than single filers, which can favorably affect the AGI. Accurate reporting of income and deductions is crucial to avoid penalties. Keeping records of household and dependent-related expenses can support claims made on the return.

Checking Paper or Digital Tax Copies

To locate your spouse’s AGI, start by accessing the appropriate tax documents, whether in paper or digital form. Many taxpayers now use electronic filing platforms like TurboTax or H&R Block, which store tax returns securely and allow easy access to past returns for downloading or printing. For those using paper returns, keeping organized files in a fireproof safe or secure cabinet ensures the documents remain accessible and protected.

When reviewing these documents, focus on IRS Form 1040, where the AGI is prominently displayed on line 11 for the 2024 tax year. Familiarity with the form’s structure simplifies identifying the AGI. If you notice discrepancies or calculation errors, consult a tax professional for clarification.

Requesting Official Transcripts

If you need an official transcript of your spouse’s tax return, follow IRS procedures to obtain one. Tax Return Transcripts include the AGI and are often required for financial transactions like mortgage applications or immigration processes.

You can request a transcript through the IRS’s Get Transcript Online service, which requires identity verification using a financial account number and mobile phone. Alternatively, you can use IRS Form 4506-T to request a transcript by mail. Online requests are typically processed within minutes, while mailed requests can take up to 10 days. Transcripts are provided free of charge.

For additional details, such as post-filing adjustments or amendments, a Tax Account Transcript may be more appropriate. Understanding the differences between transcript types ensures you select the most relevant document for your needs.