Senior Deduction Calculator (Age 65+)

New for 2025 to 2028. An extra $6,000 deduction per person age 65 or older. See what you keep.

How the senior deduction works

The new law gives an extra $6,000 deduction to each person age 65 or older. A married couple where both spouses are 65+ can deduct $12,000. It runs for tax years 2025 through 2028. It stacks on top of the standard deduction and the existing extra deduction for seniors.

The income phase out

The deduction shrinks by 6 cents for every dollar of income above $75,000. For married couples the limit is $150,000. It phases out fully at $175,000 single and $250,000 married.

Is Social Security tax free now?

Not exactly. You may have heard "no tax on Social Security." The law did not change how Social Security is taxed. Instead it added this deduction. For most seniors with modest incomes, the effect is similar. The deduction wipes out the tax on their benefits.