Standard vs Itemized Deduction Comparator
Compare the standard deduction to your itemized deductions to see which saves you more in taxes.
📅 Tax Year:
Compare Deductions
Itemized Deductions
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Max $10,000
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Expenses exceeding 7.5% of AGI
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How It Works
You can either take the standard deduction (a fixed amount based on filing status) or itemize your deductions (list individual qualifying expenses). You should choose whichever is larger to minimize your taxable income.
Standard Deduction (2026)
- Single: $15,350
- MFJ: $30,700
- MFS: $15,350
- HOH: $23,100
Common Itemized Deductions
- Mortgage interest (on loans up to $750k)
- State and local taxes (capped at $10,000 SALT)
- Charitable contributions
- Medical expenses over 7.5% of AGI
Examples
Example 1: Standard is Better
Single filer with $8,000 mortgage interest, $5,000 SALT, $1,000 charity = $14,000 itemized. Standard deduction $15,350 is higher → Take standard.
Example 2: Itemizing is Better
MFJ with $18,000 mortgage interest, $10,000 SALT, $5,000 charity = $33,000 itemized. Standard deduction $30,700 → Itemize for extra $2,300 deduction.
Frequently Asked Questions
What is the SALT cap?
State and local tax (SALT) deductions are capped at $10,000 ($5,000
if MFS). This includes state income taxes and property taxes combined.
Can I switch between standard and itemized?
Yes, you can choose differently each year. Pick whichever gives you
the larger deduction for that tax year.
Who typically benefits from itemizing?
Homeowners with large mortgages, people in high-tax states, and
those with significant charitable giving often benefit from itemizing.
What about medical expenses?
Only medical expenses exceeding 7.5% of your AGI can be deducted.
For example, if AGI is $100,000 and medical expenses are $10,000, you can deduct $2,500.
Does the standard deduction increase for age/blindness?
Yes, taxpayers 65+ or blind receive an additional deduction amount
per qualifying condition.
What about MFS and itemizing?
If one spouse itemizes, the other must also itemize (cannot take
standard). This is an important consideration for MFS filers.