Itemized vs Standard Deduction Calculator
Compare your estimated itemized deductions to the 2026 standard deduction to see which is better.
Key takeaways
- Itemizing only makes sense if your itemized deductions beat your standard deduction.
- SALT (state/local taxes) and mortgage interest are common drivers for itemizing.
- This is a quick comparison — the IRS rules have edge cases.
- Updated for the 2026 standard deduction baseline (add official values).
Calculator
See step-by-step breakdown
How this calculator works
Inputs we ask for
- Filing status
- AGI
- Estimated itemized deductions
What we calculate
- Your estimated itemized total
- 2026 standard deduction baseline
- Which option reduces taxable income more
What this calculator does NOT do
- Validate eligibility of every deduction
- Apply every cap/threshold perfectly
Assumptions + rounding
We compare your entered itemized total to the standard deduction and show the impact on taxable income.
How this calculator works
Details below.
FAQ
Is SALT capped?
Yes, there are limits for many filers. Add the current cap and citation once you finalize the guide.
Does this include business expenses?
No — this tool is for personal itemized deductions, not Schedule C business deductions.
Do medical expenses always count?
Not always — medical deductions can depend on thresholds and qualified expenses.
What if I’m married filing separately?
MFS can have special interactions with itemizing. Confirm rules and consistency with spouse.
Should I always pick the bigger number?
Usually yes for taxable income — but some credits/limitations can interact. For filing, verify in tax software.
Related calculators
Related guides
More resources
These pages explain the rules, assumptions, and constants used in the calculator.