Tools

Standard vs Itemized Deduction Helper

Enter a few numbers and we’ll estimate whether you’re more likely to benefit from the standard deduction or itemizing.

Your inputs

Filing status

We use this to prefill a standard deduction value (editable).

Standard deduction (editable)

Filing status selected: Single

Common itemized deductions

Mortgage interest

Property taxes

State income tax (or sales tax total)

Property tax + state tax are capped at $40,000 ($20,000 if MFS) for 2025.
Note: Cap may be reduced for higher MAGI. See IRS guidance for phase-down details.

Charitable donations (cash)

Include medical expenses (only the amount above 7.5% of AGI counts)

Results

The standard deduction is likely better for you.

Your standard deduction is about $15,750 higher than your estimated itemized deductions.

Standard deduction$15,750

Estimated itemized total$0

Itemized breakdown (estimate)

Mortgage interest$0

SALT (property + state tax, capped)$0

Charitable donations$0

Helpful reading:

Educational estimate only. This tool is simplified and doesn’t cover every rule/limit (for example: donation limits, mortgage interest limits, special situations, etc.).