Itemized vs Standard Deduction Calculator 2026: guide
Itemizing deductions can save you money, but only if your itemized total is higher than the standard deduction. This guide explains what counts and what to watch out for.
What itemized deductions include
- Mortgage interest
- State and local taxes (SALT)
- Charitable donations
- Some medical expenses
SALT cap (big limitation)
State and local taxes are capped for itemized deductions.
That means even if you paid more, you may not be able to deduct the full amount.
Standard deduction is simpler
Most taxpayers take the standard deduction.
Itemizing is usually worth it only if you have a mortgage, high charitable giving, or unusually high deductible expenses.
Quick example
If your standard deduction is $15,500 and your itemized total is $14,200, itemizing does not help.
If your itemized total is $18,900, itemizing likely saves you money.
Try the calculator
Use our itemized vs standard deduction calculator to compare your numbers.