Standard vs Itemized Deductions: Which Is Better?
6 min
Federal Deduction Basics
The federal standard deduction for 2026 is $15,000 for single filers and $30,000 for married couples filing jointly. Itemizing makes sense when your deductible expenses exceed these amounts.
State Treatment of Deductions
Most states follow federal deduction rules, but some have their own standard deduction amounts. A few states require you to itemize if you itemize on your federal return.
Which States Are Different
States like California and New York have lower standard deductions than federal. States like Illinois offer limited deductions. Nine states with no income tax don't require deduction decisions.
Tip
Tax laws vary by state and change frequently. Use our calculators for the most up-to-date rates and estimates for your specific situation.
Related Guides
Understanding Tax Brackets: A Complete Guide
Learn exactly how progressive tax brackets work and why earning more doesn't mean all your income is taxed at a higher rate.
Moving to a New State? Here's How It Affects Your Taxes
Relocating to a different state can dramatically change your tax situation. Here's what you need to know before you move.