For educational purposes only — not tax, legal, or financial advice. Tax laws change frequently. Consult a qualified CPA, Enrolled Agent, or tax attorney for your specific situation.

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    Senior Standard Deduction Bonus Calculator (2025–2028)

    The OBBBA senior bonus adds $6,000 per qualifying filer aged 65+ (up to $12,000 on a joint return where both spouses qualify) for tax years 2025 through 2028. It stacks with the regular age-65 additional standard deduction.

    Guidance, not advice. This calculator runs the rules as published, it doesn't assess your circumstances. Your actual tax may be affected by factors it doesn't cover (deductions, credits, filing status nuances, state-specific adjustments). Always seek financial or tax advice from a qualified CPA, Enrolled Agent, or tax attorney, or contact the IRS. Read our editorial scope →

    Temporary provision — expires after tax year 2028
    Temporary provision — expires after tax year 2028. Without further legislation, this benefit is not available for 2029 and beyond.

    Your situation

    Additional $6,000 (single/HoH 65+), $6,000 per qualifying spouse on a joint return (up to $12,000 when both are 65+). Stacks with the regular age-65 additional standard deduction.

    $

    Your estimated savings

    OBBBA senior bonus

    $6,000

    Regular age-65 additional SD (stacks)

    $2,050

    Federal tax savings on OBBBA bonus (22% bracket)

    $1,320

    Stacks with the regular additional standard deduction
    The OBBBA bonus is in addition to the long-standing $1,650 (MFJ/MFS) / $2,050 (single/HoH) age-65 or blind additional standard deduction. Both apply at the same time for taxpayers 65+.
    Available whether you take the standard deduction or itemize (it is a separate bonus applied above-the-line for this purpose). Phase-out applies at higher incomes (not modeled here).