USAUpdated for 2026TaxesUS Standard Deduction vs Itemized Deduction Calculator (Schedule A) 2026
Compare your IRS Standard Deduction ($14,600 Single, $29,200 MFJ, $21,900 HoH) against Itemized Deductions on Schedule A (Mortgage Interest, $10k SALT Cap, Charitable Gifts, Medical Expenses over 7.5% AGI).
Optimal Claimed Tax Deduction
Calculator Inputs
Optimal Claimed Tax Deduction
Total Allowable Itemized Deductions
Statutory Standard Deduction
State & Local Tax (Capped at $10k)
Medical Expenses Over 7.5% AGI
State and Local Tax (SALT) deduction is capped at $10,000 ($5,000 if married filing separately). Medical expenses are only deductible to the extent they exceed 7.5% of AGI.
This calculator is a mathematical model for general financial estimation, planning, and educational guidance. Results depend on your inputs and standard formulas, and do not constitute binding financial, tax, or investment advice. Always consult a qualified professional before making financial decisions.
Calculation Methodology
Total Itemized = min(10000, State Income Tax + Property Tax) + Mortgage Interest + Charitable Gifts + max(0, Medical Expenses - 7.5% * AGI). Taxpayer uses max(Standard Deduction, Total Itemized).
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