Tax Deduction Calculator

How to use

1. Enter annual income and filing status.
2. Enter your potential itemized total: mortgage interest, SALT up to the cap, and charitable gifts.
3. Read the deduction used and resulting federal tax.
4. Check tax_saved: anything above zero is what itemizing adds over the standard deduction.
5. Zero out the itemized field to see your baseline standard-deduction tax.

General information only — not medical, financial or legal advice. Figures cross-checked against public official sources (IRS / HMRC / NHS / WHO guidance) as of 2026-08. For decisions that matter, confirm with a licensed professional in your country.

About this tool

See what your deduction is worth. The estimate takes annual income, filing status, and any itemized total, applies whichever is larger between the 2026 standard deduction and your itemized amount, and reports the deduction used, resulting federal tax, and what itemizing saved over the standard deduction. At the defaults, a single filer earning 85,000 dollars uses the 16,100 dollar standard deduction and owes 10,072.00 dollars, with tax_saved at zero because itemized entries below that threshold change nothing. Raise itemized deductions to 25,000 dollars and the extra 8,900 dollars above the standard amount cuts tax by 1,958.00 dollars at the 22 percent rate, to 8,114.00 dollars. Mortgage interest, SALT, and charitable gifts drive whether that threshold is reachable. Federal-only 2026 estimate using published brackets; SALT cap stated approximately; excludes credits, above-the-line deductions, and AMT; verify with official sources; not tax advice.For 2026 the standard deduction is 16,100 dollars single and 32,200 married. The 2025 tax law lifted the state-and-local-tax cap to about 40,000 dollars for 2026, phasing down at the highest incomes, which revives itemizing in high-tax states. Above-the-line deductions such as student loan interest and half of SE tax stack separately.

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