Should I Itemize Deductions in 2025?
Calculate exactly how much itemizing will save you under the new $40,000 SALT cap
Deciding whether to itemize or take the standard deduction can mean hundreds—or even thousands—of dollars in tax savings. Use this free calculator to see exactly how much you'd save by itemizing in 2025, factoring in the proposed $40,000 SALT cap under the "Beautiful Bill."
1Your Filing Profile
2Taxes & Mortgage
3Charitable Donations
Clothing, furniture, electronics, kids' gear, household items donated to Goodwill, Salvation Army, etc.
Your Results
Enter your income and at least one deduction above to see your personalized tax analysis.
Standard deductions shown are 2025 IRS values. The $40,000 SALT cap reflects proposed "Beautiful Bill" legislation and may change.
This calculator provides federal estimates only. State benefits vary and are not included. This is for illustrative purposes only and does not constitute tax advice.
How the Itemize vs Standard Deduction Calculator Works
Enter Your Info
Add your filing status, income, and deductible expenses like SALT, mortgage interest, and donations.
See Your Tax Bracket
We automatically calculate your marginal tax rate using official 2025 IRS brackets.
Get Your Answer
Instantly see whether itemizing saves you money and exactly how much you'd benefit.
Frequently Asked Questions
Should I itemize deductions in 2025?
You should itemize if your total deductions (SALT, mortgage interest, charitable donations, etc.) exceed the 2025 standard deduction: $15,000 for single filers, $30,000 for married filing jointly, or $22,500 for head of household. The proposed $40,000 SALT cap under the "Beautiful Bill" makes itemizing worthwhile for more taxpayers than before.
How much will itemizing save me?
Your savings depend on how much your itemized deductions exceed the standard deduction, multiplied by your marginal tax rate. For example, if you're in the 22% bracket and your itemized deductions are $5,000 above the standard deduction, you'd save approximately $1,100 by itemizing.
What is the best ItsDeductible alternative in 2025?
Since TurboTax discontinued ItsDeductible, DeductAble has become the leading alternative for tracking non-cash charitable donations. DeductAble uses AI to automatically value your donated items at fair market value, generates IRS-ready reports, and helps you maximize your deductions—all from your phone.
What's the SALT cap in 2025?
The proposed "Beautiful Bill" would raise the SALT (State and Local Tax) deduction cap from $10,000 to $40,000 for 2025. This includes state income taxes and property taxes combined. This calculator uses the proposed $40,000 cap—check back for updates as legislation progresses.
How do non-cash donations affect whether I should itemize?
Non-cash donations (clothing, furniture, electronics, kids' gear) can significantly boost your itemized deductions. Many households donate $1,000–$5,000+ worth of items annually but under-report because they don't track fair market value. Properly valuing your donations could push you over the itemization threshold.
Track Your Donations Like ItsDeductible—But Better
Most households under-report non-cash donations by 70–90%. That Patagonia jacket, those Nike shoes, the quality kids' items — they're worth more than you think.
DeductAble is the modern ItsDeductible alternative that uses AI to automatically value your items at fair market value. No more guessing, no more spreadsheets, no more leaving money on the table.
Accurate tracking can add $1,000–$5,000+ to your itemized deductions and meaningfully shift your tax savings.
The smarter ItsDeductible replacement — capture the real value of everything you donate.