Tax guide
Standard vs. Itemized Deduction (2026)
You take whichever is bigger: the standard deduction or your itemized deductions. Most filers come out ahead with the standard deduction — but not everyone.
When itemizing usually wins
- Large mortgage interest
- High state/local taxes (up to the cap)
- Significant charitable giving
- Major medical expenses above the threshold
When the standard deduction wins
If your itemized total is below the standard deduction for your filing status, the standard deduction is simpler and saves more.
How we help
We calculate both automatically and apply whichever lowers your tax — you never leave money on the table.
FAQ
Can I switch year to year?
Yes. You can choose whichever is better each year, and we check both every time.
Do I need receipts to itemize?
Yes — keep records for the deductions you claim. We’ll tell you exactly what to hold onto.
General information, not tax advice for your specific situation. A human preparer reviews your facts before any return is filed.