Standard vs itemized deduction: which should I choose?

Choosing between the standard deduction and itemizing can change your 2025-2026 taxable income. This guide helps you total common itemized deductions, compare against the standard deduction, and use calculators to confirm which option produces the lowest tax.

Common itemized deductions

  • Mortgage interest and points.
  • State and local taxes (SALT) up to the cap.
  • Charitable contributions and qualifying medical expenses.

When the standard deduction wins

If your itemized total is below the standard deduction for your filing status, the standard deduction usually lowers tax more.

  • Lower mortgage interest or rent-only households.
  • Limited SALT due to the cap.

Prepare before you decide

  • Collect mortgage statements, tax bills, and donation receipts.
  • Estimate totals early and recheck before filing.

Related calculators

Standard vs itemized decision

Compare deduction totals using IRS rules.

Mortgage interest deduction estimator

Estimate deductible mortgage interest.

Property tax deduction estimator

Estimate deductible property taxes.

SALT cap impact estimator

See how the SALT cap affects itemizing.

California tax toolsNew York tax toolsTexas tax toolsFlorida tax tools

FAQ

Do I need receipts to itemize?

Yes. Documentation is required for most itemized deductions.

Updated 2026-01-20. TaxGuide Pro provides educational tax guidance, not legal advice.