Filing jointly in retirement? Learn how couples age 65 and older can claim thousands in additional deductions on their IRS Form 1040 in 2026 using the Senior Bonus Deduction.
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🔍 What Is the Senior Bonus Deduction?
The Senior Bonus Deduction is an additional standard deduction available to taxpayers age 65 or older. For 2026, this extra amount significantly boosts the total deduction on Form 1040, reducing taxable income and potentially saving married couples up to $12,000 in taxes when combined with other standard deduction amounts.
👥 Who Qualifies for the Senior Bonus?
- Taxpayer must be at least 65 years old by the end of 2026.
- If filing jointly, both spouses must be 65+ to claim the full bonus.
- You must take the standard deduction—this bonus does not apply to itemizers using Schedule A.
This deduction is available to U.S. residents and citizens filing Form 1040 or 1040-SR in the 2026 tax year.
💵 How Much Is the Senior Bonus Deduction in 2026?
| Filing Status | Base Standard Deduction | Senior Bonus (65+) | Total Deduction |
|---|---|---|---|
| Single (65+) | $15,300 | $2,050 | $17,350 |
| Married Filing Jointly (one 65+) | $30,600 | $2,050 | $32,650 |
| Married Filing Jointly (both 65+) | $30,600 | $4,100 | $34,700 |
Combined with lower taxable income, retirees may see up to $12,000 in tax savings depending on their tax bracket and income.
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📋 How to Claim the Deduction on Form 1040 or 1040-SR
- On Line 12 of Form 1040 or 1040-SR, choose the standard deduction option.
- Check the box on the form indicating you or your spouse is 65+.
- The IRS automatically calculates the higher deduction if the age box is checked correctly.
- Use Form 1040-SR for a senior-friendly layout with larger fonts and simplified design.
Tip: Always confirm your date of birth with the Social Security Administration and IRS records to avoid miscalculations.
🧮 Example: Married Couple Filing Jointly in 2026
Robert (66) and Linda (68) are both retired. Their combined Social Security, pension, and IRA withdrawals total $42,000. With a standard deduction of $34,700, their taxable income drops below $8,000—placing them in the 10% tax bracket and saving nearly $12,000 compared to itemizing or taking no senior bonus.
📢 Final Takeaway
For seniors filing in 2026, the Senior Bonus Deduction is one of the easiest ways to reduce taxable income and boost refund potential. Married couples aged 65+ can potentially deduct up to $34,700, dramatically lowering their IRS liability. Be sure to use Form 1040-SR and confirm eligibility before filing.
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