Leonardo, who is married but files separately, earns $64,500 of taxable income. He also has $17,000 in city of Tulsa bonds. His wife, Theresa, earns $52,000 of taxable income. How much money would Leonardo and Theresa save if they file jointly instead of separately for 2022? (Use tax rate schedule.)

2022 Tax Rate Schedules

Individuals Schedule X-Single \\begin{tabular}{|c|c|l|} \\hline If taxable income is over: & But not over: & \\multicolumn{1}{|c|}{ The tax is: } \\\\ \\hline\\( \\$ \\quad 0 \\) & \\( \\$ 10,275 \\) & \10 of taxable income \\\\ \\hline\\( \\$ 10,275 \\) & \\( \\$ 41,775 \\) & \\( \\$ 1,027.50 \\) plus \12 of the excess over \\( \\$ 10,275 \\) \\\\ \\hline\\( \\$ 41,775 \\) & \\( \\$ 89,075 \\) & \\( \\$ 4,807.50 \\) plus \22 of the excess over \\( \\$ 41,775 \\) \\\\ \\hline\\( \\$ 89,075 \\) & \\( \\$ 170,050 \\) & \\( \\$ 15,213.50 \\) plus \24 of the excess over \\( \\$ 89,075 \\) \\\\ \\hline\\( \\$ 170,050 \\) & \\( \\$ 215,950 \\) & \\( \\$ 34,647.50 \\) plus \32 of the excess over \\( \\$ 170,050 \\) \\\\ \\hline\\( \\$ 215,950 \\) & \\( \\$ 539,900 \\) & \\( \\$ 49,335.50 \\) plus \35 of the excess over \\( \\$ 215,950 \\) \\\\ \\hline\\( \\$ 539,900 \\) & - & \\( \\$ 162,718 \\) plus \37 of the excess over \\( \\$ 539,900 \\) \\\\ \\hline \\end{tabular} Schedule Y-1-Married Filing Jointly or Qualifying Widow(er) \\begin{tabular}{|c|c|l|} \\hline If taxable income is over: & But not over: & \\multicolumn{1}{c|}{ The tax is: } \\\\ \\hline\\( \\$ \\quad 0 \\) & \\( \\$ 20,550 \\) & \10 of taxable income \\\\ \\hline\\( \\$ 20,550 \\) & \\( \\$ 83,550 \\) & \\( \\$ 2,055 \\) plus \12 of the excess over \\( \\$ 20,550 \\) \\\\ \\hline\\( \\$ 83,550 \\) & \\( \\$ 178,150 \\) & \\( \\$ 9,615 \\) plus \22 of the excess over \\( \\$ 83,550 \\) \\\\ \\hline\\( \\$ 178,150 \\) & \\( \\$ 340,100 \\) & \\( \\$ 30,427 \\) plus \24 of the excess over \\( \\$ 178,150 \\) \\\\ \\hline\\( \\$ 340,100 \\) & \\( \\$ 431,900 \\) & \\( \\$ 69,295 \\) plus \32 of the excess over \\( \\$ 340,100 \\) \\\\ \\hline\\( \\$ 431,900 \\) & \\( \\$ 647,850 \\) & \\( \\$ 98,671 \\) plus \35 of the excess over \\( \\$ 431,900 \\) \\\\ \\hline\\( \\$ 647,850 \\) & - & \\( \\$ 174,253.50 \\) plus \37 of the excess over \\( \\$ 647,850 \\) \\\\ \\hline \\end{tabular} Schedule Z-Head of Household \\begin{tabular}{|c|c|l|} \\hline If taxable income is over: & But not over: & \\multicolumn{1}{|c|}{ The tax is: } \\\\ \\hline\\( \\$ \\quad 0 \\) & \\( \\$ 14,650 \\) & \10 of taxable income \\\\ \\hline\\( \\$ 14,650 \\) & \\( \\$ 55,900 \\) & \\( \\$ 1,465 \\) plus \12 of the excess over \\( \\$ 14,650 \\) \\\\ \\hline\\( \\$ 55,900 \\) & \\( \\$ 89,050 \\) & \\( \\$ 6,415 \\) plus \22 of the excess over \\( \\$ 55,900 \\) \\\\ \\hline\\( \\$ 89,050 \\) & \\( \\$ 170,050 \\) & \\( \\$ 13,708 \\) plus \24 of the excess over \\( \\$ 89,050 \\) \\\\ \\hline\\( \\$ 170,050 \\) & \\( \\$ 215,950 \\) & \\( \\$ 33,148 \\) plus \32 of the excess over \\( \\$ 170,050 \\) \\\\ \\hline\\( \\$ 215,950 \\) & \\( \\$ 539,900 \\) & \\( \\$ 47,836 \\) plus \35 of the excess over \\( \\$ 215,950 \\) \\\\ \\hline\\( \\$ 539,900 \\) & - & \\( \\$ 161,218.50 \\) plus \37 of the excess over \\( \\$ 539,900 \\) \\\\ \\hline \\end{tabular} Schedule Y-2-Married Filing Separately \\begin{tabular}{|c|c|l|} \\hline If taxable income is over: & But not over: & The tax is: \\\\ \\hline\\( \\$ 10 \\) & \\( \\$ 10,275 \\) & \10 of taxable income \\\\ \\hline\\( \\$ 10,275 \\) & \\( \\$ 41,775 \\) & \\( \\$ 1,027.50 \\) plus \12 of the excess over \\( \\$ 10,275 \\) \\\\ \\hline\\( \\$ 41,775 \\) & \\( \\$ 89,075 \\) & \\( \\$ 4,807.50 \\) plus \22 of the excess over \\( \\$ 41,775 \\) \\\\ \\hline\\( \\$ 89,075 \\) & \\( \\$ 170,050 \\) & \\( \\$ 15,213.50 \\) plus \24 of the excess over \\( \\$ 89,075 \\) \\\\ \\hline\\( \\$ 170,050 \\) & \\( \\$ 215,950 \\) & \\( \\$ 34,647.50 \\) plus \32 of the excess over \\( \\$ 170,050 \\) \\\\ \\hline\\( \\$ 215,950 \\) & \\( \\$ 323,925 \\) & \\( \\$ 49,335.50 \\) plus \35 of the excess over \\( \\$ 215,950 \\) \\\\ \\hline\\( \\$ 323,925 \\) & - & \\( \\$ 87,126.75 \\) plus \37 of the excess over \\( \\$ 323,925 \\) \\\\ \\hline \\end{tabular}