2026 Standard Deduction for Every Filing Status, Including Over 65
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 →
| Limit | 2026 |
|---|---|
| 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 4.14(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
Modified AGI only matters for the senior deduction’s phase-out; leave it blank to see the full amount.
How much can I withdraw in 2026 before I owe federal income tax?
At 65 or older your deductions are the standard deduction, the additional amount for age and the senior deduction, so more income is tax-free than the base figure suggests; Social Security shrinks the room, because withdrawals make part of it taxable. A single 67-year-old with no other income can take $24,154 from an IRA in 2026 and owe no federal income tax (the deductions, plus the first few dollars the IRS Tax Table taxes at $0). With $24,000 of Social Security the room is $20,436 (by then $3,718 of the benefits is taxable and AGI is $24,154); a married couple, both 67, with $40,000 of Social Security has $33,462.
| Key number | 2026 |
|---|---|
| Single, 67, no other income (Rev. Proc. 2025-32) | $24,154 |
| Single, 67, $24,000 Social Security (Pub. 915) | $20,436 |
| … Social Security taxable at that point | $3,718 |
| … AGI at that point | $24,154 |
| … federal tax on $5,000 more | $873 |
| Married, both 67, $40,000 Social Security (IRC §151(d)(5)) | $33,462 |
The deduction is one line of the return. Your whole 2026 return, with the senior deduction, taxable Social Security, your state and what was withheld, ends in a refund or an amount owed: 2026 tax return calculator (free: your federal and state refund or amount owed) →
An estimate from QuantCalc’s open tax engine (federal 2.3.2, state 1.14.2) for the 2026 tax year. Not tax advice: your return depends on facts this page does not ask about, so check a move with your tax preparer or custodian before acting. How the engine computes each line, with its official source: federal, state.
How much more income fits before you owe federal tax?
Enter the rest of your year: the tax engine applies your standard deduction, the 65+ additions and the senior deduction, and shows how much more IRA money fits before any federal income tax, and the room left in your bracket.
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.
Run the free tax-aware simulation →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 4.14.
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.
How much can I withdraw in 2026 before I owe federal income tax?
At 67 with no other income, $24,154 from an IRA; with $24,000 of Social Security, $20,436; a married couple, both 67, with $40,000 of Social Security, $33,462. The deductions at 65 and the senior deduction raise the room, Social Security lowers it. The calculator on this page finds yours.
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 → Itemize or take the standard deduction? Charitable deduction calculator → No tax on overtime: the 2026 deduction calculator → Senior deduction calculator: how much of the $6,000 do you keep? →