no grammatical rule
There is but not not in his case. If the guy was called Mruczek, his wife is still Mruczek, but can be addressed as Mrs Mruczkowa. If they had a daughter, she could be addressed as Ms Mruczkówna.
However, Mruczka, Beczka, Paczka, etc and other feminine nouns stay the same both for males and females.