Standard vs. Itemized Deduction
Which deduction saves you more money?
Calculator
Enter Your Deductions
Enter your itemizable expenses below. The calculator compares them to the 2025 standard deduction and shows which saves more.
Itemizable Expenses:
Capped at $10,000
Frequently Asked Questions
When should I itemize?
Itemize when your total deductible expenses exceed the standard deduction. For most single filers, this means over $15,000 in deductions. Common reasons to itemize: large mortgage interest, high state taxes (capped at $10K), or significant charitable giving.
What is the SALT cap?
The State and Local Tax (SALT) deduction is capped at $10,000 ($5,000 for married filing separately). This includes state income tax, property tax, and local taxes combined. This cap was introduced by the 2017 TCJA.
What about the medical expense threshold?
You can only deduct medical expenses that exceed 7.5% of your AGI. So if your AGI is $80,000, only expenses above $6,000 count. Enter only the deductible amount (the excess) in the calculator.
Standard vs Itemized Deduction Comparison
Enter your deductible expenses to see whether the standard deduction or itemizing saves you more. The calculator accounts for the $10,000 SALT cap and shows the tax impact of each option side-by-side.