Married homeowners cannot easily determine how to split mortgage interest deduction between spouses for tax purposes

Married couples who jointly own a home struggle to figure out the correct way to allocate mortgage interest deductions on their tax returns, especially when filing separately or when one spouse has significantly higher income. Current tax guidance is unclear, and mistakes can result in overpaying taxes, audits, or leaving money on the table. Accountants and tax software don't provide clear, automated solutions for this specific scenario.