Should I Itemize Deductions in 2025?

Calculate exactly how much itemizing will save you under the new $40,000 SALT cap

By DeductAble Team Updated

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."

If you're tracking charitable donations to Goodwill or other non-cash contributions, accurate valuation can push you over the itemization threshold. Learn more about how DeductAble helps maximize your deductions.

1Your Filing Profile

Filing Status

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

1

Enter Your Info

Add your filing status, income, and deductible expenses like SALT, mortgage interest, and donations.

2

See Your Tax Bracket

We automatically calculate your marginal tax rate using official 2025 IRS brackets.

3

Get Your Answer

Instantly see whether itemizing saves you money and exactly how much you'd benefit.

What Is the SALT Deduction?

The SALT deduction (State and Local Tax deduction) allows you to deduct certain taxes you pay to state and local governments from your federal taxable income. The SALT tax deduction includes:

  • State income tax — Yes, state income tax is deductible on your federal return when you itemize
  • Property taxes — Both real estate and personal property tax are deductible
  • Sales tax — You can choose to deduct sales tax instead of state income tax

Under the current SALT deduction cap of $10,000 ($5,000 for married filing separately), many taxpayers in high-tax states couldn't fully benefit from their state and local taxes. The Big Beautiful Bill proposes raising this salt cap to $40,000, making this SALT tax calculator especially relevant for 2025 tax planning.

Frequently Asked Questions

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