Medical Expense Deduction Calculator
Total unreimbursed qualified costs and subtract the 7.5% adjusted-gross-income floor used on Schedule A.
Schedule A medical amount
$3,560Unreimbursed expenses
$10,3107.5% AGI floor
$6,750Medical mileage amount
$110This amount helps only if total itemized deductions exceed the standard deduction. HSA/FSA-paid costs, pre-tax premiums, cosmetic procedures, and reimbursed costs generally cannot be counted again.
What this tool covers
Calculation scope
- Applies the 7.5% AGI floor.
- Subtracts reimbursements and separately entered premiums.
- Uses the split 2026 IRS medical mileage rates.
Frequently asked questions
Do medical expenses help if I take the standard deduction?
No. The medical amount is part of itemized deductions, so it generally provides a federal benefit only when itemized deductions exceed the standard deduction.
Can I include health insurance premiums?
Eligible premiums paid with after-tax dollars can count, but not amounts already excluded from income or paid through a tax-advantaged account.
Can I deduct HSA-paid expenses?
No. Expenses paid or reimbursed tax-free by an HSA, FSA, HRA, or insurer cannot also be claimed as a medical itemized deduction.
Sources
Related Calculators
Schedule A Deduction Calculator
Itemized deductions vs standard deduction — medical, SALT, mortgage interest, charity
Itemized vs Standard
$40,000 SALT cap, mortgage interest, 7.5% AGI medical floor
Long-Term Care Deduction
IRS age-based LTC premium limits, 7.5% AGI floor, self-employed above-line deduction
HSA Calculator
$4,300/$8,550 triple tax advantage, HDHP, post-65 stealth IRA