Finance & Money Calculators

Salt Deduction Calculator

Estimate the state and local tax deduction allowed under an entered SALT cap and filing-status assumptions.

Salt Deduction Calculator — Online Calculator

SALT Deduction Calculator

Apply the 2025-2026 cap, MAGI phaseout, and itemizing comparison.

Allowed SALT Deduction
$35,000
of $35,000 paid for 2026
Statutory cap
$40,400
Phaseout reduction
$0
Effective cap
$40,400
Federal tax savings
$6,000
Your itemized deductions
$40,000
Standard deduction
$16,100
Itemizing wins. The cap starts at $40,400 and falls by 30% of MAGI above $505,000, never below $10,000.
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Disclaimer: This tool provides informational results only and should not be used as professional advice.

The SALT Deduction Calculator estimates the deductible portion of state and local taxes from paid SALT, filing status, and a selected cap assumption.

Deductible SALT=min⁡(Paid SALT,Applicable cap)\text{Deductible SALT}=\min(\text{Paid SALT},\text{Applicable cap})

Questions

What taxes are included in SALT?

Depending on the tax year and rules, state and local income or sales taxes and property taxes may be relevant. The calculator does not verify each tax type.

Is the cap the same for every filer?

No. Filing status and current law can change the applicable limit.

Does this calculate tax savings?

No. It estimates a deduction amount, not the refund or marginal tax benefit.

Limitations

Confirm current federal tax-year rules, itemization eligibility, and local-tax documentation before filing.

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