Tax year 2026

Standard or itemized?

Compare the IRS base standard deduction with a simplified total of four common itemized deductions. The larger deduction generally reduces taxable income more.

Your 2026 details

ANNUAL AMOUNTS
$
Used only to calculate the 7.5% medical-expense floor.

Possible itemized deductions

$
$
2026 cap: $40,400, or $20,200 if married filing separately. High-income phase-down not modeled.
$
$
Only the portion above 7.5% of AGI is counted.
Blank expense fields count as $0. Enter only expenses you believe may qualify.

Your entries stay in this tab and are not saved.

Put both paths on the scale.

Enter your filing status, AGI, and possible deductible expenses. The comparison appears here after you calculate.

Method reviewed October 7, 2026. Uses 2026 IRS base standard deductions, the 2026 SALT cap, and the 7.5% AGI medical-expense floor.

Standard deduction ↗SALT limit ↗Medical rule ↗

Estimate only — not tax advice. This simplified tool does not determine whether every entered expense qualifies. It excludes additional standard deductions for age or blindness, dependent limits, charitable and mortgage-interest limits, casualty losses, other itemized deductions, alternative minimum tax, and the SALT phase-down above the 2026 income threshold. If married filing separately, your spouse’s choice to itemize can affect whether you may take the standard deduction.

Last reviewed: October 2026.