topic If itemized deductions amount is larger than standard deductions why won't the refund amount change? in Deductions & credits

If itemized deductions amount is larger than standard deductions why won't the refund amount change?

mkn81 — Mon, 09 Mar 2026 05:12:52 GMT

My itemized deductions amount is larger than the standard deductions. Why won't it convert from standard to itemized?

Re: If itemized deductions amount is larger than standard deductions why won't the refund amount change?

xmasbaby0 — Wed, 23 Feb 2022 01:44:15 GMT

Are you making the common mistake of just adding up all the amounts for your itemized deductions without considering the caps and thresholds that must be met?

STANDARD DEDUCTION

Many taxpayers are surprised because their itemized deductions are not having the same effect as they did on past tax returns. The new higher standard deduction and the elimination of certain deductions, as well as the cap on state and local taxes have had a major impact since the new tax laws went into effect beginning with 2018 returns.

Your itemized deductions have to be more than your standard deduction before you will see a change in your tax owed or tax refund. The deductions you enter do not necessarily count “dollar for dollar;” many of them are subject to meeting tough thresholds—medical expenses, for example, must meet a threshold that is pretty hard to reach. (Only the amount that is MORE than 7.5% of your AGI counts) The software program uses all the IRS rules that apply to the expenses you enter, and it tells you if you have enough to use your itemized deductions or if using the standard deduction is more advantageous for you. Under the new tax laws, some deductions have been capped—there is a $10,000 limit to the itemized deductions for state, local, property and sales taxes.

Your standard deduction lowers your taxable income. It is not a refund. You will see your standard or itemized deduction amount on line 12a of your 2021 Form 1040.

2021 STANDARD DEDUCTION AMOUNTS

SINGLE $12,550 (65 or older + $1700)

MARRIED FILING SEPARATELY $12,550 (65 or older + $1350)

MARRIED FILING JOINTLY $25,100 (65 or older + $1350 per spouse)

HEAD OF HOUSEHOLD $18,800 (65 or older +$1700)

Legally Blind + $1350

Re: If itemized deductions amount is larger than standard deductions why won't the refund amount ...

ErnieS0 — Wed, 23 Feb 2022 01:48:12 GMT

TurboTax will give you the best deduction–standard or itemized. Where do you see that your itemized deductions are larger than standard?

State and local taxes are limited to $10,000 so you total itemized deductions may be higher, but your allowable deductions could be lower,.

TurboTax shows a comparison between your standard and allowable itemized deductions after you enter Deductions & Credits. You can also change your deduction on that screen.

Select Federal in the left column
Deductions & Credits at the top
Tap Wrap up tax breaks in the lower right
On the next screen Based on what you just told us, the Standard Deduction is best for you tap Change my deduction