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Return progress

57% complete4 of 7 filing steps complete

Current phase: Deductions

Step 4 of 7Federal + state

Personal Info

Income

3

Deductions

4

Credits

5

Review

6

File

Documents and uploads for this phase

Gather these first so SpeedTax can keep your federal and state returns in sync.

Mortgage interest statements
State and local tax records
Donation receipts
Medical expense totals

SpeedTax

Federal and state return workspace

Tax Year 2025DeductionsSaved 12:00 AM

Deductions

Time to find every deduction you deserve. We'll compare standard vs. itemized and recommend the best option.

Maximum refund guaranteed100% accuracy guarantee256-bit encryptionAudit support included

Estimated refund tracker

$4,781

Projected total refund across federal and state.

Credits applied: $0AGI: $143,115

Federal return

$4,816

Estimated federal refund

Refund

Pennsylvania return

$35

Estimated state amount due

Due

Total income

$143,200

AGI

$143,115

Taxable income

$127,365

Federal tax

$23,584

Federal credits

$0

State tax

$4,394

SE tax

$170

State deduction

$0

Investment cross-check

BatBucks dividends $0

Realized gains

$0

Effective state rate

Pennsylvania at 3%

Federal withholding

$28,400

Audit risk indicator

Low

Your return has straightforward income and standard deductions.

Estimated Refund
$4,781

Friendly check-in

Now let's lower your tax bill.

We'll walk through the big four deduction categories and compare itemized vs. standard so you keep every dollar you're entitled to.

1

Mortgage

Home mortgage interest

2

Taxes

State and local taxes

3

Charity

Cash and item donations

4

Medical

Expenses above the AGI floor

Did you pay mortgage interest this year?

Enter the total from your Form 1098. This is often the largest single itemized deduction.

Interest paid on Form 1098 and similar statements.

Did you pay state and local taxes?

Include property taxes and state income taxes paid during the year.

Property tax and other deductible state/local taxes. Capped at $10,000.

Did you make any charitable donations?

Cash gifts, clothing, household items, and vehicle donations may all count.

Total deductible cash and property donations.

Did you have significant medical or dental expenses?

Only the portion that exceeds 7.5% of your AGI is deductible.

Only the amount above 7.5% of AGI is deductible.

Did you have deductible business expenses?

Ordinary and necessary costs of running your self-employed or freelance work this year.

Total business expenses for self-employment or freelance income.

Did you work from a home office?

Self-employed filers can deduct expenses for a dedicated workspace. Enter the number of days you used it for business.

Days the home office was used for self-employment income this year.

What were your total charitable contributions?

Combined cash + non-cash gifts to qualified charities for the year. Pulled forward from step 3, but you can adjust it here if needed.

Total cash + non-cash gifts to qualified charities.

How should we handle your deduction?

SpeedTax can automatically pick the larger deduction, or you can choose.

Let SpeedTax choose, or override with standard or itemized.

Itemized deduction estimate

Mortgage interest$0.00
SALT allowed (capped at $10,000)$4,359.00
Charitable contributions$950.00
Deductible medical portion$0.00
Total itemized deduction$5,309

Compare with the standard deduction

Standard deduction$15,750
Current itemized total$5,309

SpeedTax recommendation

Use the standard deduction

Difference: $10,441 in favor of standard.

Saved 12:00 AM