2026 Standard Deduction

The official 2026 standard deduction for every filing status, the extra amounts at 65 and for blindness, and the $6,000 senior deduction — the figures used on the 2026 return filed in early 2027.

The 2026 standard deduction is $16,100 for single filers and married filing separately, $32,200 for married couples filing jointly and $24,150 for heads of household. Taxpayers 65 or older, or blind, add $2,050 each if unmarried, or $1,650 per qualifying spouse if married.

Official  Published by the IRS for tax year 2026 (IRS Rev. Proc. 2025-32). These are the figures for income earned in 2026, reported on the 2026 return filed in early 2027. Planning for 2027? See the 2027 figures →

Standard deduction by filing status, 2026 — IRS Rev. Proc. 2025-32 section 3.14
Limit2026
SingleAdditional $2,050 per condition (65 or older, blind) $16,100
Married filing jointlyAdditional $1,650 per condition (65 or older, blind), per spouse $32,200
Married filing separatelyAdditional $1,650 per condition (65 or older, blind) $16,100
Head of householdAdditional $2,050 per condition (65 or older, blind) $24,150

If you are 65 or older in 2026

Two separate amounts stack on top of the standard deduction. The additional standard deduction for age or blindness is $2,050 per condition if you are unmarried and $1,650 per condition per spouse if you are married (IRS Rev. Proc. 2025-32, section 3.14(3)). Separately, for 2025 through 2028 each person 65 or older can deduct up to $6,000 more, reduced by 6% of modified AGI above $75,000 ($150,000 on a joint return); married couples filing separately cannot claim it (IRS: the senior deduction).

The deduction comes off income before the 2026 tax brackets apply, which is why a retiree with only Social Security and a small withdrawal often owes no federal income tax at all.

Your 2026 standard deduction

On December 31, 2026

Modified AGI only matters for the senior deduction’s phase-out; leave it blank to see the full amount.

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The standard deduction is the floor under every withdrawal and conversion you make that year. QuantCalc runs your whole retirement — withdrawals, taxes, Medicare surcharges — year by year, on the 2026 figures above.

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Common questions

What is the standard deduction for 2026?

The 2026 standard deduction is $16,100 for single filers and married filing separately, $32,200 for married couples filing jointly and $24,150 for heads of household. Taxpayers 65 or older, or blind, add $2,050 each if unmarried, or $1,650 per qualifying spouse if married. Source: IRS Rev. Proc. 2025-32, section 3.14.

What is the 2026 standard deduction for married filing jointly over 65?

A married couple filing jointly where both spouses are 65 or older deducts $32,200 plus $1,650 for each spouse, $35,500 in total (IRS Rev. Proc. 2025-32). Each 65+ spouse may also claim the separate $6,000 senior deduction, subject to the income phase-out (IRS: the senior deduction).

Is this the standard deduction for the return I file in 2027?

Yes. These are the IRS's published 2026 amounts (IRS Rev. Proc. 2025-32), used on the 2026 return you file in early 2027. For income earned in 2027, see the 2027 standard deduction.

Sources

Every figure on this page is read at build time from QuantCalc’s tax constants, the same ones the planner runs on, and was checked against the text of the documents above. Every figure with its source: JSON. QuantCalc is calculation software, not tax advice.

Related

2026 federal tax brackets → Standard deduction at 65 → 2026 capital gains tax rates →

The standard deduction is the floor under every withdrawal and conversion you make that year — see the whole picture in the free planner →