Recommendation
Itemize Your DeductionsSaves you $1,375 in federal tax
Vehicle registration, etc.
Investment interest is limited to this amount (Form 4952)
Limited to 60% of AGI
Limited to 30% of AGI for most property
| Standard | Itemized | |
|---|---|---|
| Deduction Amount | $15,750 | $22,000 |
| Federal Tax | $13,449 | $12,074 |
| Difference | Itemizing saves $1,375 | |
| Line Item | Entered | Allowed | Note |
|---|---|---|---|
| Medical & Dental Expenses | $0 | ||
| Medical & dental expenses | $0 | $0 | — |
| Taxes You Paid (SALT) | $9,000 | ||
| State & local income tax | $5,000 | $5,000 | — |
| Real estate taxes | $4,000 | $4,000 | — |
| Personal property tax | $0 | $0 | — |
| Interest You Paid | $10,000 | ||
| Mortgage interest (Form 1098) | $10,000 | $10,000 | — |
| Mortgage points paid | $0 | $0 | — |
| Investment interest expense | $0 | $0 | — |
| Gifts to Charity | $3,000 | ||
| Cash contributions | $3,000 | $3,000 | — |
| Non-cash contributions | $0 | $0 | — |
| Carryover from prior years | $0 | $0 | — |
| Casualty & Theft Losses | $0 | ||
| Casualty & theft losses | $0 | $0 | — |
| Other Itemized Deductions | $0 | ||
| Gambling losses | $0 | $0 | — |
| Other deductions | $0 | $0 | — |
| Total Itemized Deduction | $22,000 | ||
This calculator mirrors the IRS Schedule A (Form 1040) worksheet for 2025. SALT deduction is subject to a cap that varies by filing status and income level. Medical expenses are deductible only above 7.5% of AGI. Mortgage interest is limited based on loan balance and origination date. Charitable contributions are subject to AGI-based percentage limits. Gambling losses cannot exceed gambling winnings. Casualty losses are deductible only for federally declared disasters. This calculator provides estimates — consult a tax professional for your specific situation.
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