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cmmerolla
New Member

I am seeing only the standard deduction when I get to the end of my tax return, not the $12,000 additional deduction

Married, jointly filing, claiming standard deduction income under 150,000
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2 Replies

I am seeing only the standard deduction when I get to the end of my tax return, not the $12,000 additional deduction

If you are filing as Married Filing Separately you are not eligible for the deduction.  If you are Single and your AGI is over $150,000 or Married Filing Jointly and your AGI is over $250,000 you are not eligible for the deduction.

 

If you are age 65 or older and meet the requirement, the additional deduction is automatically added on your federal tax return.

 

Standard deductions for 2025

Single - $15.750 add $2,000 if age 65 or older
Married Filing Separately - $15,750 add $1,600 if age 65 or older
Married Filing Jointly - $31,500 add $1,600 for each spouse age 65 or older
Head of Household - $23,625 add $2,000 if age 65 or older

 

New Bonus Standard Deduction (OBBB):
An additional $6,000 deduction for taxpayers 65 and older.
This is per eligible individual, meaning a married couple both over 65 could get $12,000.
Important: This bonus deduction is temporary, lasting from 2025 through 2028.
Income limitations: It phases out for taxpayers with modified adjusted gross income over $75,000 for single filers and $150,000 for joint filers.


The amount is calculated on Schedule 1-A, Part V, with that amount flowing to Form 1040 Line 13b

Look at your Form 1040 -

You can view your Form 1040 plus Schedules 1, 2 and 3 at any time using the online editions. Click on Tax Tools on the left side of the online program screen. Click on Tools. Click on View Tax Summary. Click on Preview my 1040 on the left side of the screen.

TomK2023
Employee Tax Expert

I am seeing only the standard deduction when I get to the end of my tax return, not the $12,000 additional deduction

The IRS treats the new One Big Beautiful Bill Senior Deduction as an adjustment to income rather than a part of your Standard Deduction.

 

Line 12e of Form 1040 will show your regular Standard Deduction ($31,500 for Married Filing Jointly (2025), plus any extra for blindness or being 65+).

 

Line 13b of Form 1040 will show the new $12,000 OBBBA Senior Deduction.  It flows from a new form called Schedule 1-A.
 

To See the Senior Deduction online:

  1. Open or continue your return.
  2. In the left-hand menu, click Tax Tools, and then Tools.
  3. Select View Tax Summary.
  4. Click Preview my 1040.
  5. Scroll down to Line 13b. You should see the $12,000 (MFJ... or a phased-out portion of it) listed there.

To qualify for the full, additional "Senior Deduction" of $12,000 tax deduction ($6,000 per person):

  1. Both Taxpayer and Spouse must be considered "65 or older" for 2025 (born before 1/02/1961).
  2. Both Taxpayer and Spouse must have a valid SSN (make sure that you don't accidentally check that your SSN is "not valid for employment.").
  3. Your Modified Adjusted Gross Income (MAGI) must be less than $150,000.
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