Free Calculators Hub
Itemized Deduction Calculator
Educational Schedule A-style worksheet with TY2026 SALT cap/phase-down, 7.5% medical floor, and standard-deduction comparison.
Limitation: Educational estimate for U.S.
How to Estimate Itemized Deductions
Enter AGI and major Schedule A categories.
Choose filing status and enter AGI.
SALT is capped
For TY2026 this model uses a $40,400 SALT cap ($20,200 MFS) with a high-MAGI phase-down toward a $10,000 floor.
What the Itemized Result Means
Estimated deductible total and whether itemizing beats the standard deduction in this worksheet.
Itemized Examples
Itemizing wins
Scenario inputs
Itemized total
SALT limited to $40,400; medical $2,500 after 7.5% floor.
Standard likely better
Scenario inputs
Itemized total
TY2026 joint standard deduction is $32,200.
High-MAGI SALT phase-down
Scenario inputs
Itemized total
Cap phases toward the $10,000 floor above $505,000 MAGI.
Educational estimate
Keep receipts; this worksheet does not audit substantiation.
Frequently Asked Questions
Still have questions about this calculation?
Try the CalculatorItemized Deduction Formulas
Educational Schedule A categories with OBBBA SALT cap assumptions.
Formula
Medical
max(0, medicalExpenses − 7.5% × AGI)
SALT cap
min(SALT paid, capped amount)
Compare
itemize if total > standard deduction
Scientific Background
Assumptions: user-entered category totals; no mortgage acquisition-debt limits, charitable AGI ceilings, or Pease-like 37% benefit haircut modeled in detail. SALT 2026 cap/phase figures follow OBBBA statutory design with commonly published 1% annual step-ups—confirm on IRS Schedule A instructions if later official tables differ. Sources: https://www.irs.gov/forms-pubs/about-schedule-a-form-1040 ; https://www.irs.gov/pub/irs-drop/rp-25-32.pdf
Sources & review
Itemized Deduction Calculator documents the references behind its formulas and assumptions. Always treat results as educational estimates, not personalized professional advice.
Last reviewed
July 22, 2026
IRS digital assets / tax reference
Internal Revenue Service (IRS)
https://www.irs.gov/forms-pubs/about-schedule-a-form-1040IRS digital assets / tax reference
Internal Revenue Service (IRS)
https://www.irs.gov/pub/irs-drop/rp-25-32.pdfFree Calculator Hub methodology
Free Calculator Hub
/methodology
See our methodology and corrections policy.