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.

Filing status

Your age at end of tax year

Other taxable income (for marginal-rate estimate)

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).

Tax year 2026 · USD · OBBBA permanent law

Formula: Federal savings ≈ OBBBA bonus deduction × marginal federal rate

Assumptions

Bonus deduction: $6,000 (single/HoH 65+), $12,000 (MFJ with both 65+).
Stacks with the regular age-65 additional standard deduction.
Provision sunsets after the 2028 tax year.
High-income phase-out is not modeled; consult a CPA if MAGI is well into the top brackets.

Estimates only — not tax advice. Brackets, deductions and thresholds reflect the locked 2026 federal configuration. State amounts use each state's posted 2026 top-line rules and may differ from a full state-form computation. Always confirm complex situations with a qualified CPA, EA, or tax attorney.