Use our free salt cap calculator to estimate your eligible deduction under the new $40,000 limit in seconds
Enter your information in our salt cap calculator to see your potential tax savings
Your itemized deductions may still be below the standard deduction threshold.
The SALT cap is a limit on how much you can deduct for state and local taxes—including income taxes, property taxes, and sales taxes—on your federal tax return. The original cap, introduced in 2017, was $10,000. Starting in 2025, the cap increases significantly to $40,000 per household.
Anyone who pays substantial state or property taxes should consider using a salt cap calculator—especially if you itemize your deductions, live in a high-tax state, own a home with significant property taxes, or you're unsure if itemizing beats the standard deduction. Our salt cap calculator takes all these factors into account to provide a fast and reliable estimate.
For millions of California, New York, New Jersey, Illinois, and Connecticut residents, this change creates new planning opportunities. The salt cap calculator is particularly useful for comparing your deductions under the new cap vs. the old one, and for seeing whether it's worth making changes before year-end.
We've built a simple, user-friendly tool that shows your deductible amount instantly. Here's how our salt cap calculator works:
The salt cap calculator will show you: your total SALT taxes paid, the capped amount based on filing status, the deductible amount under current IRS rules, whether you benefit more from itemizing or taking the standard deduction, and a visual chart comparing pre- and post-cap deduction results.
These examples illustrate how using a salt cap calculator makes your options clear—and helps you act before filing. Our salt cap calculator helps you explore these scenarios with real-time feedback, allowing you to fine-tune your income strategies or pre-payments before tax season.
With the new $40,000 limit, some taxpayers will benefit significantly, while others may still be below the threshold. The cap is especially relevant if you're in a dual-income household, paying more than $20,000 in property taxes, or already itemizing due to mortgage interest or charitable deductions.
The simple bar chart in our salt cap calculator shows the two caps, but our expanded data grid breaks the outcome into clear lines:
Those five lines turn abstract policy into practical dollars. Our salt cap calculator also alerts you if your combined itemized deductions still fall below the standard-deduction threshold, reminding you that the standard deduction might remain the smarter move.
There's no signup, no confusing forms, and no waiting. Just enter a few numbers and get your results. The entire experience takes less than 2 minutes—and could save you thousands of dollars.
Use our salt cap calculator now to understand your itemized vs standard deduction, optimize your year-end tax moves, generate a report for your accountant, and make smarter financial decisions before you file.
Bookmark this page and come back whenever your numbers change—our salt cap calculator will be here, free, accurate, and always up to date.
Our salt cap calculator is current with all 2025 tax law changes
Visual feedback helps you understand your salt cap calculator results
Save your salt cap calculator results for tax advisors
No hidden costs with our comprehensive salt cap calculator
The salt cap calculator runs entirely in your browser
As tax laws evolve, so will our salt cap calculator
We're not just giving you numbers—we're giving you insight. That's what makes our salt cap calculator different from generic tax tools.
Beyond our salt cap calculator, here are some simple strategies to increase your deduction value:
If allowed, consider paying the next year's tax before December 31st. These tips work best when used alongside our salt cap calculator, so you can test their impact on your deduction total.
Combining donations into one year may push you into itemizing territory. Use our salt cap calculator to compare scenarios with and without charitable contributions.
Don't forget vehicle registration and other SALT-eligible fees. Our salt cap calculator accounts for all qualifying state and local tax payments.
The SALT cap may seem like a technical detail, but it has real financial impact. Don't leave money on the table. Use our trusted, data-driven salt cap calculator to clarify your options and act with confidence. The calculations are estimates for planning only and do not constitute personalized tax advice. Always consult a licensed professional before filing. © 2025 SaltCapCalculator.com, all rights reserved.