It depends on the types of deductions you entered. Not all deductions are fully deductible. So, if for instance your AGI is $150,000 and you entered $30,000 in medical expenses, only the amount of medical expenses that are OVER 7.5% of your AGI are deductible. So out of the $30,000, $11,250 would NOT be counted towards your itemized deductions, only $18,750 would be counted.
Other deductions that can be limited are charitable deductions which can be limited to 20% to 60% of your AGI depending on who you donated to and the type of donation. Generally, you can carry forward to future years excess charitable contributions.
So after these limitations, even if you entered $41k in expenses, it doesn't mean you have $41k in deductions that transfer to schedule A. If the program is seeing that your total itemized deductions are less than your standard deduction, it will still tell you that the standard deduction is right for you.
Mortgage interest can also be limited if your mortgage is more than $750,000 (1 million if financed prior to 2018)
The 2025 Standard Deductions are as follows:
- Married Filing Joint (MFJ) $31,500
- Married Filing Separate (MFS) $15,750
- Head of Household (HOH) $23,625
- Single $15,750
Blind or over 65 and MFJ or MFS add $1,600
Single or HOH if blind or over 65 add $2.000
Standard Deduction vs. Itemized Deductions: Which Is Better?
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