$6,000 Senior Tax Deduction Calculator
Calculate your new $6,000 (or $12,000) senior tax deduction for 2026, including the income phase-out.
A new temporary deduction lets seniors 65+ deduct up to $6,000 ($12,000 for couples both 65+) for tax years 2025-2028, phasing out above $75,000 MAGI (single) or $150,000 (joint). This is separate from, and stacks with, the older, permanent extra standard deduction for being 65.
This deduction is new, created by recent tax legislation, and many people confuse it with the older standard deduction increase for turning 65. They're different, and you can claim both. Enter your details below to see your amount.
Calculate Your Senior Bonus Deduction
Your 2026 Senior Bonus Deduction
You can claim this deduction together with the separate, permanent extra standard deduction for being 65 or older (see this site's Standard Deduction for Seniors Calculator). The new $6,000 deduction does not replace the older one.
This deduction is scheduled to expire after tax year 2028 unless Congress extends it. It's claimed on Schedule 1-A (Additional Deductions), not directly on Form 1040 line 12.
The One Big Beautiful Bill Act created this deduction. It is available for tax years 2025 through 2028 unless Congress extends it. The full amount is $6,000 for a single qualifying senior, or $12,000 for a married couple when both spouses are 65 or older. It phases out with income. Above $75,000 of MAGI for single filers, or $150,000 for married couples filing jointly, each qualifying person's deduction falls by 6 cents for every dollar over the threshold. It reaches zero at $175,000 single or $250,000 joint. For example, a single filer with MAGI of $100,000 is $25,000 over the threshold, so the deduction falls by $1,500 to $4,500. You also need a valid Social Security number, and you cannot claim the deduction if you file as Married Filing Separately. This deduction is separate from the permanent additional standard deduction for people 65 and older. If you qualify for both, you claim both.
Frequently Asked Questions
What is the new $6,000 senior tax deduction?
A temporary federal deduction created by the One Big Beautiful Bill Act for tax years 2025 through 2028. It is worth up to $6,000 per qualifying person 65 or older, or $12,000 for a married couple when both spouses are 65 or older.
Is this the same as the extra standard deduction for being 65?
No, they're separate and stack together. The extra standard deduction is permanent; this $6,000 deduction is new and temporary, available only 2025-2028.
At what income does the $6,000 deduction phase out?
It starts phasing out above $75,000 MAGI (single) or $150,000 MAGI (married filing jointly), reduced by 6 cents per dollar over the threshold for each qualifying person, and fully phased out at $175,000 single or $250,000 joint.
Can I claim this deduction if I file Married Filing Separately?
No, this deduction is not available for that filing status.
Do I need a Social Security number to claim this deduction?
Yes, a valid, work-authorized Social Security number is required.
How long will the $6,000 senior deduction be available?
It's currently scheduled for tax years 2025 through 2028 only, unless Congress extends it through future legislation.
This calculator provides a general estimate based on the OBBBA senior deduction rules for 2026 and does not constitute tax advice. This deduction is temporary and subject to change by future legislation. For personalized guidance, consult a tax professional or the IRS directly.