Standard Deduction Calculator
Find your 2026 standard deduction by filing status, age, and blindness — including the new $6,000 senior bonus — and see whether to itemize instead.
Your details
2026 standard deduction by filing status
Base amounts and the 65+/blind add-on per condition from IRS Rev. Proc. 2025-32. The separate $6,000-per-person senior deduction (OBBBA, 2025–2028) requires married couples to file jointly and phases out at 6% of MAGI above $75,000 ($150,000 joint).
| Filing status | Base | 65/blind add-on | Senior deduction |
|---|---|---|---|
| Single | $16,100 | $2,050 | $6,000 |
| Married filing jointly | $32,200 | $1,650 | $6,000 |
| Married filing separately | $16,100 | $1,650 | Not eligible |
| Head of household | $24,150 | $2,050 | $6,000 |
| Qualifying surviving spouse | $32,200 | $1,650 | $6,000 |
Estimates the 2026 US federal standard deduction (IRS inflation adjustments) plus the OBBBA senior deduction where it applies. It is a federal figure only and does not compute your full tax. Not tax advice — verify with the IRS or a tax professional.
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Free 2026 Standard Deduction Calculator
See exactly how much you can deduct in 2026 without itemizing. Pick your filing status, mark whether you (or your spouse) are 65 or older or blind, and this calculator returns your full 2026 standard deduction — base amount plus the age and blindness add-ons — along with the new $6,000 senior bonus deduction from the One Big Beautiful Bill Act. Add your itemized total and it tells you which route saves more, and roughly how much tax you'll save.
What Is the Standard Deduction?
The standard deduction is a flat amount you can subtract from your income before tax is calculated, so you don't have to itemize individual deductions. The amount depends on your filing status and rises if you are 65 or older or blind. Most filers take the standard deduction because it exceeds their itemizable expenses; you should itemize only when your deductible expenses (mortgage interest, state and local taxes, charitable gifts, large medical bills) add up to more than your standard deduction.
Standard deduction
Standard deduction = Base (by filing status) + Additional (age 65+ / blind)How to Use the Standard Deduction Calculator
Choose your filing status (or tap a quick scenario).
Mark whether you or your spouse are 65 or older or blind.
Mark 'someone can claim me as a dependent' if that applies and enter your earned income.
Optionally enter your income to apply the senior-bonus phase-out.
Optionally enter your itemized total to compare standard vs. itemized.
Read your 2026 standard deduction, the breakdown, and which route saves more.
When to Use It
Filing your 2026 return
Confirm your exact standard deduction before you file or estimate your taxes.
Standard vs. itemizing
Decide whether your mortgage, SALT, and charitable deductions beat the standard amount.
Retirees 65+
See the age add-on plus the new $6,000 senior deduction and where it phases out.
Tax-withholding planning
Use your deduction to estimate taxable income and fine-tune withholding or estimated payments.
Newly married or divorced
Compare deductions across filing statuses after a change in household.
Quick what-ifs
Try different incomes and itemized totals to see how your deduction and tax change.
Why Use This Calculator?
Updated for 2026
Uses the IRS 2026 amounts (Single $16,100 · Head of household $24,150 · Married filing jointly $32,200) and the latest One Big Beautiful Bill Act changes.
Includes the age & blindness add-ons
Adds the extra $2,050 (unmarried) or $1,650 (married) for each age-65 and blindness condition, doubled if you are both.
Factors in the new senior bonus
Applies the new $6,000-per-person senior deduction and phases it out at higher incomes, shown as a separate line because it applies whether you itemize or not.
Standard vs. itemized in one view
Enter your itemized total and instantly see which is larger, by how much, and the estimated tax saved at your bracket.
Every filing status
Single, married filing jointly or separately, head of household, and qualifying surviving spouse — each with the correct amounts.
Free, instant, private
Runs entirely in your browser. Nothing you enter is stored or sent to a server.
Standard Deduction FAQ
For tax year 2026 it is $16,100 for single filers and married filing separately, $24,150 for head of household, and $32,200 for married filing jointly and qualifying surviving spouses.
For 2026 you add $2,050 per condition if unmarried (single or head of household) or $1,650 per condition if married, for each of being 65+ and being blind. If you are both 65 and blind, the add-on is doubled.
The One Big Beautiful Bill Act created a $6,000 deduction for each taxpayer age 65 or older, for 2025 through 2028. It is separate from the standard deduction, is available even if you itemize, and phases out at 6% of MAGI above $75,000 (single) or $150,000 (married filing jointly) — at $100,000 of MAGI a single filer keeps $4,500. Married couples must file jointly: married filing separately gets no senior deduction.
Anyone who is 65 by the end of the tax year, from 2025 through 2028. Each qualifying spouse on a joint return gets their own $6,000 — up to $12,000 per couple. Married taxpayers must file jointly (separate filers are ineligible), and one $6,000 deduction is fully phased out at $175,000 of MAGI ($250,000 on a joint return with one qualifying spouse).
Take whichever is larger. Itemize only if your total itemized deductions — mortgage interest, state and local taxes (up to the cap), charitable gifts, and large medical expenses — exceed your standard deduction. Enter your itemized total above and the calculator tells you which wins.
For 2026 it is limited to the greater of $1,350 or your earned income plus $450, never more than the regular amount for your filing status. A student earning $8,000 gets $8,450; with no earned income the floor is $1,350. The age-65/blind add-ons still apply on top of the limited amount.
Yes. The One Big Beautiful Bill Act made the higher post-2017 standard deduction permanent and added an inflation adjustment, so the 2026 amounts are higher than 2025.
Yes. Starting in 2026, non-itemizers can also deduct up to $1,000 ($2,000 married filing jointly) in cash charitable contributions on top of the standard deduction.
If your spouse itemizes, your standard deduction is $0 — you must itemize too. This is an IRS rule for separate returns (IRC §63(c)(6)). Check 'my spouse itemizes deductions' above to see it applied.
No. It is an estimate using published 2026 figures to help you plan. For your specific situation, confirm with the IRS or a tax professional.