Claim your $6,000 senior deduction with confidence.
A free calculator for the additional federal deduction for taxpayers 65 and older. Enter your age, filing status and income, and see exactly how much you qualify for after the income phase-out.
- $6,000 per eligible person - $12,000 if both spouses are 65+
- For itemizers and non-itemizers alike
- Full amount below $75,000 (single) / $150,000 (joint)
Who it's for
A real tax cut for older Americans
If you or your spouse turned 65 by the end of the tax year, the 2025 law gives you an extra $6,000 deduction each - on top of the standard deduction and the existing age-65 addition. For many retirees on a fixed income, that's a meaningful cut in taxable income.
This calculator tells you exactly how much you qualify for, including what happens as your income approaches the phase-out.
The calculator
See your deduction in under a minute
Check eligibility and what you keep after the income phase-out - single or joint.
How it works
Three simple steps
Enter age & status
Whether you - and a spouse - reach 65 by the end of the tax year, and how you file.
Add your income
Your modified adjusted gross income, so the phase-out is applied correctly.
See your deduction
The amount you qualify for after any reduction, plus the tax it saves at your bracket.
Guides
Understand the deduction, year by year
Senior Deduction for 2025 Returns
How the new $6,000 deduction works on 2025 returns, who qualifies, the income limit, and what to do if you already filed.
ReadSenior Tax Deduction 2026
The 2026 deduction: $6,000 per eligible person, the phase-out, and how it stacks with the standard deduction.
ReadHow the $6,000 Deduction Phases Out
Where it starts shrinking ($75,000 single, $150,000 joint), how fast, and a table of results by income.
ReadWhat you get
Your number, and the tax it saves
Enter each person's year of birth, your filing status and your income. The calculator counts who qualifies, applies the phase-out over $75,000 (single) or $150,000 (joint), and shows your deduction plus the federal tax it saves at your bracket.
It works for any year from 2025 to 2028, and nothing you enter ever leaves your browser.
Why trust these numbers
Straight from IRS guidance
The $6,000 amount per eligible person, the age-65-by-year-end rule, the 2025-2028 window and the phase-out thresholds ($75,000 single / $150,000 joint) come from official IRS guidance - the newsroom explainer and the Schedule 1-A instructions - not from other calculator sites.
Each figure on the calculator links to its IRS source with the date we last checked it, and we update the tool the same week the IRS changes a number. This is an estimate to help you plan - not tax advice. Confirm your situation with IRS.gov or a tax professional before you file.
Ready?
See your senior deduction now
Free and private - find out what you qualify for after the phase-out.
Open the calculator