---
title: "Standard Deduction Calculator 2026 - Should You Itemize?"
description: "Calculate your 2026 standard deduction including NEW $6,000 senior deduction. Compare standard vs itemized deductions to maximize your tax savings."
canonical_url: "https://www.themoneypocket.com/tools/standard-deduction-calculator"
last_updated: "2026-05-01T16:53:14.849Z"
---

**Determine whether to take the standard deduction or itemize for 2026 with our free calculator.** Includes the NEW $6,000 senior deduction for taxpayers 65+ under the OBBBA.

<standard-deduction-calculator>



</standard-deduction-calculator>

## 2026 Standard Deduction Amounts

### Base Standard Deductions

- **Single:** $16,100
- **Married Filing Jointly:** $32,200
- **Head of Household:** $24,150

### Additional Amounts (Age 65+ or Blind)

- **Single:** $2,050 per condition
- **Married:** $1,650 per person, per condition

### NEW: Senior Deduction (OBBBA 2026)

- **$6,000 per taxpayer age 65+**
- Available whether you itemize or take standard deduction
- Phases out at 6% per dollar over:

  - Single: $75,000
  - Married: $150,000

This NEW senior deduction can add $6,000-$12,000 for married couples age 65+!

## Should You Itemize or Take Standard Deduction?

**Take Standard Deduction if:**

- Your itemized deductions are less than standard amount
- You don't want the hassle of tracking receipts
- You're 65+ (higher standard deduction + senior deduction)

**Itemize if:**

- High mortgage interest
- Significant charitable donations
- Large medical expenses (>7.5% of AGI)
- High state/local taxes (up to $10,000 SALT cap)

Use our calculator to see which saves you more!