Senior tax deduction calculator
Senior Tax Deduction 2026 Calculator
Estimate the 2026 enhanced senior deduction, MAGI phaseout, and total standard-deduction stack for taxpayers age 65 and older.
Enhanced senior deduction estimate
This page becomes an interactive calculator after JavaScript loads. The static example uses single filing status, one taxpayer age 65 or older, $65,000 MAGI, and a 12% marginal federal tax rate.
For that example, the enhanced senior deduction is $6,000, estimated tax savings is $720, and the standard-deduction stack is $24,150.
What counts in the stack
The stack includes the regular 2026 standard deduction, the existing age-65 standard deduction addition, and the new enhanced senior deduction after MAGI phaseout. Itemized deductions, credits, and Social Security taxability are outside this estimate.
Senior deduction sources
Common questions
What is the senior tax deduction for 2026?
The enhanced deduction is up to $6,000 per eligible person age 65 or older, before the MAGI phaseout.
Is the enhanced senior deduction the same as the standard deduction?
No. It is in addition to the regular standard deduction and the existing extra standard deduction for taxpayers age 65 or older.
When does the 2026 senior deduction phase out?
It begins phasing out when MAGI is over $75,000 for single/head of household filers or $150,000 for joint filers.
Can married filing separately claim the enhanced senior deduction?
IRS guidance says married taxpayers must file jointly to claim the enhanced senior deduction.