SALT Deduction Calculator
Calculate your SALT deduction with the $10,000 cap. See how much you lose to the cap.
Total SALT
$15,500.00
Capped Deduction
$10,000.00
Lost Deduction
$5,500.00
SALT Deduction Breakdown
| State Income Tax | $8,000.00 |
| Property Tax | $6,000.00 |
| Sales Tax | $1,500.00 |
| Total SALT | $15,500.00 |
| SALT Cap ($10,000) | $10,000.00 |
| Deductible Amount | $10,000.00 |
| Lost to Cap | $5,500.00 |
Tax Impact
| Tax Cost of Cap (24% bracket) | $1,320.00 |
| Standard Deduction | $16,100.00 |
| SALT Alone vs Standard | SALT below standard deduction |
Use the SALT Deduction Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
How It Works
Our SALT Deduction Calculator helps you understand the impact of the $10,000 State and Local Tax (SALT) deduction cap on your federal income taxes. This cap, originally set to expire in 2025, has been extended through 2026, meaning many taxpayers will continue to see their itemized deductions limited. By calculating your potential deduction and showing how much you 'lose' to the cap, this tool provides crucial insights for your tax planning.
The calculator first sums your total state and local income taxes, real estate taxes, and personal property taxes paid. This aggregate amount is then compared against the $10,000 federal SALT deduction cap for individuals and married couples filing jointly. Your deductible SALT amount will be the lesser of your total state and local taxes paid or $10,000, with the difference representing the non-deductible portion due to the cap.
Remember that the SALT cap applies per household, not per individual, for married couples filing jointly. Also, this calculator focuses solely on the federal deduction cap; some states offer their own workarounds or credits related to state and local taxes paid. A common mistake is forgetting to include all eligible state and local taxes, such as personal property taxes on vehicles, in your calculation.
Example: High-Tax State Homeowner
- 1 Sarah and Tom, a married couple in a high-tax state, paid $12,000 in state income taxes, $7,000 in real estate taxes, and $1,500 in personal property taxes in 2026. Their combined state and local taxes totaled $20,500.
- 2 Inputting these figures into the calculator, the total eligible SALT is $20,500. The federal SALT deduction cap for 2026 is $10,000.
- 3 Their deductible SALT amount is limited to $10,000. They 'lose' $10,500 ($20,500 - $10,000) in potential federal deductions due to the cap.
- 4 This $10,500 non-deductible amount means their taxable income will be $10,500 higher than it would have been without the cap, potentially increasing their federal tax liability significantly.
Source: IRS — Forms, Instructions & Publications · Last updated: April 2026
Frequently Asked Questions
What is the SALT deduction cap for 2026?
How much am I losing to the SALT cap?
Is there a workaround for the SALT cap?
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