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Video: What Is the Standard Tax Deduction?

Written by a TurboTax Expert • Reviewed by a TurboTax CPA

Updated for Tax Year 2025 • July 3, 2026 7:09 PM

OVERVIEW

Get the pros and cons of Standard Deductions in this video. The Standard Deduction allows you to claim a predictable lump-sum deduction instead of adding up personal and business deductions. Note: The reference to the Standard Deduction amount in this video applies only to taxes prepared for 2010.

NEW TAX LAW CHANGES

The One Big Beautiful Bill that passed includes permanently extending tax cuts from the Tax Cuts and Jobs Act, including increasing the cap on the amount of state and local or sales tax and property tax (SALT) that you can deduct, makes cuts to energy credits passed under the Inflation Reduction Act, makes changes to taxes on tips and overtime for certain workers, reforms Medicaid, increases the Debt ceiling, and reforms Pell Grants and student loans. Updates to this article are in process. Check our One Big Beautiful Bill article for more information.

TABLE OF CONTENTS

Video transcript:

Video transcript:

Wondering what the Standard Deduction means? This edition of Tax Tips by TurboTax has the answer.

The Standard Deduction is a set dollar amount that the IRS lets you subtract from your income before taxes are calculated. In simple terms, it lowers the amount of income you pay tax on, which usually means a smaller tax bill. It's made up of two parts: the basic Standard Deduction, and in some cases, an additional deduction for being 65 or older, or blind, or both.

The IRS adjusts the Standard Deduction each year for inflation, and the amount can change depending on your filing status, your age, or whether someone else can claim you as a dependent. For tax year 2025, the Standard Deduction is $15,750 if you're single or married filing separately, $23,625 if you're Head of Household, or $31,500 if you're married filing jointly or a qualifying surviving spouse.

So how does the Standard Deduction actually work? Let's say you file as Head of Household and earned $105,000 in 2025. You would subtract the $23,625 standard deduction, which means you only pay taxes on $81,375 of your income. It's that simple. You don't have to keep receipts or track individual expenses to claim it.

But are there situations where you can't take the standard deduction? Most taxpayers qualify, but some people must itemize their deductions using Schedule A instead. That includes the following situations: someone who's married filing separately and their spouse itemized deductions; an individual who was a nonresident alien or dual-status alien during the tax year; anyone filing a return for less than 12 months because of a change in their accounting period; and an estate or trust, common trust fund, or partnership.

Other taxpayers may choose to itemize because it could save them more money. You typically only itemize if your total deductions are greater than your standard deduction. For example, the Head of Household filer earning $105,000 might choose to itemize if they pay high mortgage interest and property taxes that add up to more than $23,625. Otherwise, the standard deduction would result in a lower tax bill.

With TurboTax, we'll guide you step-by-step and automatically choose the option that gives you the biggest refund guaranteed. Visit turbotax.com for more info to help you file your taxes with confidence.

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What are Standard Tax Deductions?Video: What are Income Taxes?What Are Itemized Tax Deductions?Video: What is a Schedule A: Itemized Tax Deductions?Video: Changes in the Standard Deduction for Certain Tax Filers

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The 5 Biggest Tax Credits You Might Qualify For No Tax on Overtime Explained: Qualified Overtime Deduction Rules for 2025 No Tax on Tips: How It Works in the One Big Beautiful Bill How to Maximize Your Itemized Tax Deductions 10 Popular Tax Deductions

The above article is intended to provide generalized financial information designed to educate a broad segment of the public; it does not give personalized tax, investment, legal, or other business and professional advice. Before taking any action, you should always seek the assistance of a professional who knows your particular situation for advice on taxes, your investments, the law, or any other business and professional matters that affect you and/or your business.

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IRS standard deduction
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Refer your Expert (TurboTax Customer referring Intuit’s own experts): Maximum of $500 in total rewards for 10 referrals. See official terms and conditions for more details.
Average Refund Amount: $3,453 is the average refund amount American taxpayers received in the 2024 filing season based upon IRS data as of February 21, 2025 and may not reflect actual refund amount received. Each taxpayer’s refund will vary based on their tax situation.
More self-employed deductions: based on the median amount of expenses found by TurboTax Do It Yourself Premium (formerly Self Employed) customers who synced accounts, imported and categorized transactions compared to manual entry. Individual results may vary.
TurboTax Online Business Products: For TurboTax Expert Assist Business and TurboTax Expert Full Service Business, we currently don’t support the following tax situations: C-Corps (Form 1120) and entities electing to be treated as a C-Corp, Trust/Estates (Form 1041), Tax Exempt Entities/Non-Profits, returns that require more than 5 state filings, and other issues unrelated to the preparation of a tax return or unrelated to business income/franchise taxes.
Audit Defense: Audit Defense is a third-party add-on service provided, for an additional fee, by TaxResources, Inc., dba Tax Audit. Audit Defense is included at no added cost with business returns filed with TurboTax Experts for Business (excluding Sole Proprietor). See Membership Agreements at https://www.intuit.com/legal/terms/ for service terms and conditions.

TURBOTAX EXPERT 365 BUSINESS Subscription Terms:

Who’s Eligible for Expert 365 Business:

Expert 365 Business is available to new QuickBooks customers with the following entity and business tax situations: sole proprietorships and single-member LLCs.
At this time, the following entity types and business tax situations are not eligible for Expert 365 Business: C-Corps, S-Corps, partnerships.

Your Expert 365 Business subscription includes access to the following services and features:

Tax-Ready Bookkeeping: You must connect your business accounts to QuickBooks in order for your Expert to be able to review and reconcile your books on a quarterly basis. The expert will update bookkeeping to be tax-ready on a quarterly basis, so the expert can calculate your quarterly tax payments and develop personalized tax advice. All advice and information made available by Expert 365 Business in connection with the bookkeeping service is based on the information you provide to Intuit or authorize Intuit to obtain from your banks and other third party platforms that sync data into our bookkeeping services, so it is important for you to make sure that information is complete and accurate. The bookkeeping service cannot be relied upon to discover errors, fraud deflections or other irregularities, should any exist.
Business Tax Advisory Sessions: You can meet with your Expert on a quarterly basis to obtain personalized tax planning recommendations based on your information provided.
Quarterly Expert Reviews: Your Expert will be available to meet with you at least once per calendar quarter to deliver quarterly tax estimates, and review and reconcile your books.
TurboTax Expert Full Service: TurboTax Experts are available to prepare 2026 tax returns starting January 5, 2027. One-day preparation and filing availability depends on start time, the complexity of your return, is based on completion time for the majority of customers, and may vary based on Expert availability. A tax preparation assistant will validate the customer’s tax situation during the welcome call and review uploaded documents to assess readiness and ability to file same-day. All tax forms and documents must be ready and uploaded by the customer for the tax preparation assistant to refer the customer to an available Expert for live tax preparation. The TurboTax Terms of Service apply to your use of TurboTax Expert Full Service and Expert 365 Business. As described more in those Terms, the following Guarantees apply to your use of TurboTax Expert Full Service: TurboTax Accurate Calculations Guarantee - Business Tax Returns, TurboTax Maximum Savings Guarantee - Business Tax Returns, and TurboTax Audit Support Guarantee - Business Tax Returns.

In addition to the above Expert 365 Business subscription features, you have access for 1 user license to the QuickBooks Simple Start product. QuickBooks Simple Start offers features such as receipt capture, tracking income and expense, tracking miles and running financial reports on any device (mobile and web). The cost of QuickBooks Simple Start is included in the displayed pricing, but this subscription is sold separately from Expert 365 Business. The QuickBooks Terms of Service apply to your use of QuickBooks Simple Start.

Cancelation: Expert 365 Business is billed on a monthly basis of $61, and QuickBooks Simple Start is billed on a monthly basis of $38, your subscription will automatically renew each month on your account’s billing date until you cancel. You may cancel your subscription at any time by navigating to the Account & Settings section of your Expert 365 Business account and selecting “Cancel.” You will not receive a pro-rated refund; your access and subscription benefits will continue for the remainder of the billing period.

Cancelation of your Expert 365 Business subscription will not impact your QuickBooks subscription. You will continue to receive all QuickBooks benefits and incur ongoing monthly charges until you separately cancel your QuickBooks subscription. Your Expert 365 Business subscription is dependent upon maintaining an active QuickBooks subscription. As a result, cancelation of your QuickBooks subscription will result in a concurrent cancelation of your Expert 365 Business subscription.

TURBOTAX DESKTOP GUARANTEES

TurboTax Desktop Individual Returns:

100% Accurate Calculations Guarantee - Individual Returns: If you pay an IRS or state penalty or interest because of a TurboTax calculation error, we'll pay you the penalty and interest. You are responsible for paying any additional tax liability you may owe. Excludes payment plans. This guarantee is good for the lifetime of your personal, individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax Desktop. Excludes TurboTax Desktop Business returns. Additional terms and limitations apply. See License Agreement for details.
Maximum Refund Guarantee / Maximum Tax Savings Guarantee - or Your Money Back - Individual Returns: If you get a larger refund or smaller tax due from another tax preparation method by filing an amended return, we'll refund the applicable TurboTax federal and/or state software license purchase price you paid. You are responsible for paying any additional tax liability you may owe. This guarantee is good for the lifetime of your personal, individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax Desktop. Excludes TurboTax Desktop Business returns. Additional terms and limitations apply. See License Agreement for details.
Audit Support Guarantee - Individual Returns: If you receive an audit letter from the IRS or State Department of Revenue based on your 2025 TurboTax individual tax return, we will provide one-on-one question-and-answer support with a tax professional, if requested through our Audit Support Center, for audited individual returns filed with TurboTax Desktop for the current 2025 tax year and, for individual, non-business returns, for the past two tax years (2023, 2024). Audit support is informational only. We will not represent you before the IRS or state tax authority or provide legal advice. If we are not able to connect you to one of our tax professionals, we will refund the applicable TurboTax federal and/or state license purchase price you paid. This guarantee is good for the lifetime of your personal, individual tax return, which Intuit defines as seven years from the date you filed it with TurboTax Desktop. Excludes TurboTax Desktop Business returns. Additional terms and limitations apply. See License Agreement for details.
Satisfaction Guarantee/ 60-Day Money Back Guarantee: If you're not completely satisfied with TurboTax Desktop software, go to refundrequest.intuit.com within 60 days of purchase and follow the process listed to submit a refund request. You must return this product using your license code or order number and dated receipt. Desktop add-on products and services purchased are non-refundable.

TurboTax Desktop Business Returns:

100% Accurate Calculations Guarantee - Business Returns: If you pay an IRS or state penalty or interest because of a TurboTax calculation error, we'll pay you the penalty and interest. You are responsible for paying any additional tax liability you may owe. Excludes payment plans. Additional terms and limitations apply. See License Agreement for details.
Maximum Tax Savings Guarantee - Business Returns: If you get a smaller tax due (or larger business tax refund) from another tax preparation method using the same data, TurboTax will refund the applicable TurboTax Desktop Business license purchase price you paid. Additional terms and limitations apply. See License Agreement for details.
Satisfaction Guarantee/ 60-Day Money Back Guarantee: If you're not completely satisfied with TurboTax Desktop software, go to refundrequest.intuit.com within 60 days of purchase and follow the process listed to submit a refund request. You must return this product using your license code or order number and dated receipt. Desktop add-on products and services purchased are non-refundable.

TURBOTAX DESKTOP DISCLAIMERS

Installation Requirements: Product download, installation and activation requires an Intuit Account and internet connection. Product limited to one account per license code. You must accept the TurboTax License Agreement to use this product. Not for use by paid preparers.
TurboTax Desktop Products: Price includes tax preparation and printing of federal tax returns and free federal e-file of up to 5 federal tax returns. Additional fees may apply for e-filing state returns. E-file fees may not apply in certain states, check here for details. Savings and price comparison based on anticipated price increase. Software updates and optional online features require internet connection. Desktop add-on products and services purchased are non-refundable.
Fastest Refund Possible: Get your tax refund from the IRS as fast as possible by e-filing and choosing to receive your refund by direct deposit. Tax refund time frames will vary. The IRS issues more than 9 out of 10 refunds in less than 21 days.
Average Refund Amount: $3,453 is the average refund amount American taxpayers received in the 2024 filing season based upon IRS data as of February 21, 2025 and may not reflect actual refund amount received. Each taxpayer's refund will vary based on their tax situation.
TurboTax Technical Support: Customer service and technical support hours and options vary by time of year.
Deduct From Your Federal or State Refund: Individual taxes only. Subject to eligibility requirements. Additional terms apply. A $40 Refund Processing Service fee applies to this payment method. Prices are subject to change without notice.
Data Import: Imports financial data from participating companies; Requires Intuit Account. Quicken and QuickBooks import not available with TurboTax installed on a Mac. Imports from Quicken (2023 and higher) and QuickBooks Desktop (2024); both Windows only. Quicken import not available for TurboTax Desktop Business. Quicken products provided by Quicken Inc., Quicken import subject to change.
Live Tax Advice: Access to tax experts to obtain answers to tax questions and to assist with tax year 2025 return(s) prepared with TurboTax Desktop software. Additional fees may apply. Must be purchased and used by October 31, 2026. Excludes TurboTax Desktop Business. See License Agreement for details.
Audit Defense: Audit Defense is a third-party add-on service provided, for a fee, by TaxResources, Inc., dba Tax Audit. See Membership Agreements at https://turbotax.intuit.com/corp/softwarelicense/ for service terms and conditions.

All features, services, support, prices, offers, terms and conditions are subject to change without notice.

Unless otherwise stated, strikethrough prices reflect anticipated late-season pricing (4/1–10/31; for S-corps & partnerships, 5/1–10/31).

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