Retirement tax calculator · 2026

Senior Deduction Calculator

The new $6,000 deduction for people 65 and older, available for 2025 through 2028: how much of it you keep at your income, and what each extra $1,000 of income costs inside the phase-out.

Everything is calculated in your browser. Nothing you enter is sent anywhere, saved, or added to the page address.

Filing status
Not sure of your MAGI? Build it from your income

Yearly amounts. Fill these in and the MAGI above is worked out for you, with the taxable part of Social Security figured the IRS way.

Enter your age and MAGI to see your deduction.

What this doesn’t include

Married filing separately (the deduction isn’t allowed), the requirement that each person have a valid Social Security number, income excluded from AGI that the IRS adds back (foreign earned income, and income from Puerto Rico or U.S. territories), and state tax.

Estimates for 2026 using federal figures only, from the inputs you entered. Not tax advice for your situation and not a guarantee of any result. State taxes, the net investment income tax, AMT and other items are not included. See how this is calculated.