What is the 2026 standard deduction?

$16,100 single or MFS, $32,200 married filing jointly, $24,150 head of household. Age 65+ or blind adds $2,050 (single/HOH) or $1,650 (married) per qualifier.

This page caps state and local tax at $40,400. Confirm the year’s law and your state.

Only the amount above 7.5% of AGI counts toward itemizing.

No. It is a 2026 sketch. Confirm on Schedule A.

Runs in your browser · Last updated 7 September 2026

Free Standard vs Itemized Deduction Calculator (US, 2026)

Free standard vs itemized deduction calculator for 2026: $16,100 / $32,200 / $24,150 plus SALT cap $40,400. Browser tool — nothing is uploaded.

Filing statusAge 65+ / blind add-ons (count)State and local tax ($)Mortgage interest ($)Charitable gifts ($)Medical expenses ($)AGI for the 7.5% medical floor ($)Other itemized ($)

Better 2026 deduction: itemize. SALT is capped at $40,400 here. Not a Form 1040.

Standard deduction

$32,200

Itemized total

$36,000

Itemized advantage

$3,800

SALT allowed

$18,000

Medical allowed

65+ / blind extra

How to use this tool

Pick filing status and any 65+ / blind add-ons.
Enter SALT, mortgage interest, gifts, and medical bills.
Read which deduction is larger.

Worked example

Single, no extras, $4,000 SALT + $3,000 interest + $500 gifts = $7,500 itemized vs $16,100 standard — take the standard. Joint $50,000 SALT (capped at $40,400) + $12,000 interest + $4,000 gifts beats $32,200.

Frequently asked questions

What is the 2026 standard deduction?: $16,100 single or MFS, $32,200 married filing jointly, $24,150 head of household. Age 65+ or blind adds $2,050 (single/HOH) or $1,650 (married) per qualifier.
SALT cap?: This page caps state and local tax at $40,400. Confirm the year’s law and your state.
Medical expenses?: Only the amount above 7.5% of AGI counts toward itemizing.
Is this tax advice?: No. It is a 2026 sketch. Confirm on Schedule A.
Uploaded?: No.