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US Tax Filing and Compliance

Standard Deduction vs Itemized Deduction - Which One To Choose

Vikram AgrawalBy Vikram Agrawal |Last Updated: December 26, 2025
Standard Deduction vs Itemized Deduction - Which One To Choose
    1. US Tax Filing and Compliance
    2. Standard Deduction vs Itemized Deduction - Which One To Choose
    3. Reading Time: 8 mins
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    Frequently Asked Questions

    No matter what your source of income is, we've got you covered. There’s a plan for everybody!

    The difference is Simple:

    • Standard Deduction:- The standard deduction amount is a fixed dollar amount that is subtracted from your taxable income based on your filing status. 
    • Itemized Deduction:- An itemized deduction means listing down all the eligible expenses and then deducting the sum from the total Adjusted Gross Income. 

    2024 (tax return filing in 2025)

    • Single / MFS: $14,600
    • Married filing jointly/Surviving Spouse: $29,200.
    • Head of Household: $21,900
    • An additional standard deduction may be applied if you are 65+ or blind. 

    2025 (tax return filing in 2026)

    • Single/MFS: $15,000
    • Married filing jointly: $30,000
    • Head of Household: $22.500

    If the Amount of Itemized Deduction is Over the Standard Deduction Amount, Then Consider the Itemized Deduction. Choosing Itemized Deduction Can Result in Significant Tax Savings.

    Yes, there are certain scenarios where itemizing your deduction can be beneficial.

    • Married filing tax return, separated when the spouse itemizes. 
    • Nonresident aliens or dual status filers. 
    • Returns covering in less than 12 months due to a tax year change. 

    These Deductions Reduce Your Adjusted Gross Income Before You Even Apply the Standard or Itemized Deductions. They Include Contributions Made to a Traditional Ira, Student Loan Interest, Hsa Contributions, and More.

    The Main Reason Behind This is That the Tax Cuts and Jobs Act (Tcja) Has Nearly Doubled the Standard Deduction Rates and Limited or Eliminated Many of the Itemized Deductions. Such as Salt or Miscellaneous Expenses. This Has Made the Standard Deduction More Attractive to Most Taxpayers.

    About 90% of the Taxpayers Opt for the Standard Deduction Mainly Because It is Simple and, at Times, Offers Equal or Better Value Than Itemizing the Deductions.