Senior Bonus Deduction Calculator (2026)

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Senior Bonus Deduction

Extra deduction for 65+ • 2026

Filing status

People age 65 or older

Modified AGI (income) ⓘ

Your federal tax bracket

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Enter your details to see your senior deduction

How the Senior Bonus Deduction Works

Choose your status and how many people are 65+.
Enter your income — the deduction shrinks above $75k ($150k joint).
See your deduction and tax savings.

The $6,000 Senior Deduction, Explained (2026)

For tax years 2025–2028, the One Big Beautiful Bill adds a $6,000 deduction for each taxpayer age 65 or older — up to $12,000 for a married couple where both qualify. It's on top of the existing extra standard deduction for seniors and can be claimed whether you itemize or not.

The bonus phases out at 6% of modified AGI above $75,000 ($150,000 joint), disappearing entirely around $175,000 single / $250,000 joint for one person. Your savings equal the deduction times your tax bracket. This is an estimate, not tax advice.

Senior Deduction FAQ

Who qualifies for the $6,000 senior deduction? ▾

Any taxpayer who is 65 or older by year-end, with modified AGI under the phase-out ceiling. A couple where both spouses are 65+ can claim $6,000 each ($12,000 total).

Is this instead of the regular senior standard deduction? ▾

No — it's in addition to the existing age-65 standard-deduction add-on, for tax years 2025 through 2028.

At what income does it disappear? ▾

It phases out at 6% of income over $75,000 ($150,000 joint), so a single senior loses it entirely near $175,000 of modified AGI.