Senior Bonus Deduction Calculator
The One, Big, Beautiful Bill Act provides an additional $4,000 deduction ($8,000 for married couples both 65+) for taxpayers age 65 and older. This is on top of the existing additional standard deduction. Enter your details to see your savings.
annual savings ($40/month)
- Base amount (1 qualifying person × $4,000)
- $4,000
- Deductible amount
- $4,000
This is in addition to the existing $1,550/$1,250 additional standard deduction for age 65+.
7.16%
Before
6.09%
After OBBBA
- ✓You are age 65 or older by the end of the tax year
- ✓You have a valid Social Security number
- ✓For married filing jointly, your spouse must also be age 65+ to claim the full $8,000
This is an above-the-line deduction — you don't need to itemize. It applies to federal income tax only. Available for tax years 2025–2028.
How the OBBBA Senior Bonus Deduction Works
Deduction Amount
$4,000 per qualifying person. Married filing jointly with both spouses 65+ get up to $8,000.
Above-the-Line
This is an above-the-line deduction — you don't need to itemize. It reduces your adjusted gross income directly.
Income Phase-Out
Phases out proportionally for AGI between $75,000–$100,000 (single) or $150,000–$200,000 (MFJ). Zero above the upper limit.
In Addition To Existing Deduction
This stacks on top of the existing $1,550/$1,250 additional standard deduction for age 65+. You get both.
Frequently asked questions
How much is the OBBBA senior bonus deduction?
$4,000 per qualifying person. For MFJ with both spouses 65+, the maximum is $8,000. It's an above-the-line deduction — no itemizing required.
Is this the same as the existing age 65+ standard deduction?
No. This is a new, additional deduction on top of the existing $1,550 (single/HoH) or $1,250 (married) additional standard deduction for age 65+. You can claim both.
What is the income phase-out?
The deduction phases out proportionally between $75K–$100K AGI (single/HoH/MFS) and $150K–$200K (MFJ). At the midpoint you get half; above the upper limit, zero.
Can I claim this with other OBBBA deductions?
Yes. The senior bonus, tip, overtime, and car loan deductions are all independent. Claim every one you qualify for.
Sources
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