TAX · DEDUCTIONS

Standard Deduction Calculator

Find your 2026 standard deduction based on filing status, age, and blindness. See the itemization breakeven point to decide which method saves more.

LAST REVIEWED · APR 10, 2026 · BY M. REYES, CPA
You need
$15,000
Standard DeductionReset
Filing Status
Age65+ gets additional deduction
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2026 standard deduction amounts

  • Single: $15,000
  • Married filing jointly: $30,000
  • Head of household: $22,500 (not covered by this calculator)

When to itemize

Itemize if your total deductible expenses exceed your standard deduction. Common itemized deductions include: state and local taxes (capped at $10,000), mortgage interest, charitable contributions, and medical expenses above 7.5% of AGI.

Who can't take the standard deduction?

Married individuals filing separately when the other spouse itemizes, nonresident aliens, and individuals filing returns for periods shorter than 12 months due to a change in accounting period.

Methodology. Base standard deduction: $15,000 (single) or $30,000 (married filing jointly) for 2026. Additional deduction for age 65+: $2,000 (single) or $1,600 (married). Additional deduction for blindness: same amounts. Itemize breakeven equals total standard deduction — itemize only if your itemized deductions exceed this amount.

Sources

  • IRS Revenue Procedure 2025-11 (2026 standard deduction)
  • IRS Publication 501 (Dependents, Standard Deduction, and Filing Information)
  • IRC Section 63 (standard deduction definitions)
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Frequently asked questions

Is the standard deduction higher in 2026 than 2025? +
Yes. The standard deduction is adjusted annually for inflation. The 2026 amounts ($15,000 single / $30,000 MFJ) are higher than 2025 ($14,600 single / $29,200 MFJ).
Can I take the standard deduction and still deduct student loan interest? +
Yes. Student loan interest (up to $2,500) is an 'above-the-line' deduction, meaning you claim it regardless of whether you itemize or take the standard deduction.
What if I'm claimed as a dependent? +
Your standard deduction is limited to the greater of $1,300 or your earned income plus $450, up to the regular standard deduction amount. Most dependent students fall into this category.
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