Senior Deduction Calculator (65+)
The 2025 tax law added a brand-new $6,000 deduction per person aged 65+ — on top of the extra standard deduction you already get.
Senior deduction, age 65+ (2026)
$5,700
Income phase-out applied — your deduction is reduced based on MAGI.
- · SSN required for each qualifying person. This stacks on top of the existing age-65 extra standard deduction.
Estimated tax savings (deduction × your marginal rate)
12% bracket
$684
22% bracket
$1,254
24% bracket
$1,368
32% bracket
$1,824
A deduction reduces taxable income — not your tax bill dollar-for-dollar.
How it works
You qualify if you are 65 or older at the end of the tax year (each spouse qualifies separately on a joint return — up to $12,000 total). It phases out at 6% of MAGI above $75,000 ($150,000 joint), disappearing entirely at $175,000 ($350,000). This is separate from and additional to the existing age-65 extra standard deduction, and you can claim it whether or not you itemize.
Available 2025–2028. SSN required; not available for married filing separately. Estimates only — not tax advice.