KLOORAStandard vs Itemized Deduction Calculator
Compare the 2026 standard deduction with your itemized deductions and see which saves more tax.
How to use Standard vs Itemized Deduction Calculator
- Enter your values in the fields.
- The results update instantly as you type.
- Note or copy the numbers you need.
Features
- Instant results
- Free, no signup
- Runs in your browser, nothing is uploaded
- Works on phone and desktop
How it works
Add up your allowed itemized deductions and compare the total with the standard deduction for your filing status. The larger number lowers taxable income more.
Worked example
A single filer with 9,000 mortgage interest, 12,000 state taxes and 2,500 gifts has 23,500 itemized. That beats the 16,100 standard deduction by 7,400, saving about 1,600 in the 22 percent bracket.
Good to know
The SALT cap shown (40,000) is an assumption for 2026 and phases down for high earners. These are planning estimates, not tax or legal advice. Rules and limits change, so confirm at irs.gov, uscis.gov, ssa.gov or with a professional.
Frequently asked questions
What is the 2026 standard deduction?
16,100 for single filers, 32,200 for married filing jointly and 24,150 for head of household.
What can I itemize?
Mortgage interest, state and local taxes (capped), charitable gifts and large medical costs above 7.5 percent of income.
Is the Standard vs Itemized Deduction Calculator free?
Yes. It is free, needs no signup and works on any device.