Tax Hub
As the year draws to a close, the last thing on your mind may be taxes. The loss of a spouse brings a whirlwind of emotions and responsibilities, often leaving little room for financial planning. Yet, this time of year is crucial for making decisions that can significantly impact your financial future. This hub is designed to guide you through the essential year-end tax planning steps and considerations, providing a roadmap to navigate this complex terrain with confidence and clarity.
2026 tax updates
🔔 2026 TAX UPDATES FOR SURVIVING SPOUSES
Key Changes:
- Standard deduction: $32,200 (up from $31,500)
- Tax brackets adjusted for inflation
- TCJA provisions now permanent (won't expire after 2025)
MAJOR BENEFIT for Ages 65+:
New $6,000 deduction for seniors with income ≤ $150,000
Your potential total deduction:
$39,800 ($32,200 base + $1,600 age addition + $6,000 new senior deduction)
This unprecedented tax relief recognizes the financial challenges facing older surviving spouses.
For specific guidance about handling your first tax return after loss, including detailed instructions on gathering documentation and completing your forms, visit our comprehensive guide on How to File Taxes in 2026 as a Recent Widow or Widower.
📅 YOUR FILING STATUS TIMELINE
Year spouse dies (2025): File jointly for the full year
Next year (2026): File as Qualifying Surviving Spouse (if eligible)
Year after (2027): Still file as Qualifying Surviving Spouse (if eligible)
Third year (2028): Transition to Head of Household or Single
Remember: You must maintain a home for a qualifying dependent and remain unmarried to use Qualifying Surviving Spouse status after the year of death.
