Medical Expense Deduction Calculator
You can deduct qualified medical expenses that exceed 7.5% of your Adjusted Gross Income (AGI). Use this tool to see if you qualify.
Calculate Deduction
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Unreimbursed expenses only
What Qualifies?
- Health insurance premiums (paid post-tax)
- Doctor, dentist, hospital fees
- Prescription medications
- Glasses, contacts, hearing aids
- Medical mileage (check current rate)
- Long-term care insurance (limited)
Not Qualified: OTC meds, funeral expenses, cosmetic surgery, gym memberships.
Use Cases
- Determining if your medical expenses exceed the 7.5% AGI floor for deduction eligibility
- Estimating the deductible amount of unreimbursed medical costs on Schedule A
- Planning elective medical procedures to maximize tax deductions in a single year
- Deciding whether high medical expenses make itemizing more beneficial than the standard deduction
- Reviewing which medical costs qualify (insurance premiums, prescriptions, dental, vision)
Assumptions & Limitations
- Uses the 7.5% AGI threshold for medical expense deductions per current tax law
- Only unreimbursed medical expenses count; amounts paid by insurance are excluded
- You must itemize deductions on Schedule A to claim this deduction
- Does not account for HSA or FSA contributions that may already cover some expenses tax-free
- Does not calculate the overall benefit of itemizing vs taking the standard deduction
Sources & References
- IRS Publication 502 — Medical and Dental Expenses
- IRS Schedule A Instructions — Itemized Deductions
- IRS Topic No. 502 — Medical and Dental Expenses overview
- IRS Publication 969 — Health Savings Accounts (HSA alternative)
- IRS Publication 501 — Dependents, Standard Deduction, Filing Information
Disclaimer: This calculator provides estimates for educational purposes only. It does not constitute tax advice. Consult a qualified tax professional for advice specific to your situation.