Some tax deductions are neither above-the-line nor itemized. They’re available if you take the standard deduction, but they don’t lower your AGI.
Latest Blog Posts
$1,000 Charity Donation Deduction in the 2025 Trump Tax Law
The 2025 Trump tax law adds a new tax deduction for charity donations for non-itemizers and lowers the deduction for itemizers, starting in 2026.
Deductible Car Loan Interest in the New 2025 Trump Tax Law
The 2025 Trump tax law made car loan interest deductible with many strings and only temporarily. See what qualifies and what does not.
The ACA Premium Subsidy Cliff After the 2025 Trump Tax Law
The 2025 new Trump tax law didn’t extend the enhanced ACA premium subsidy. Manage your income carefully to stay under the tax credit cliff.
2025 2026 Cap on Paying Back ACA Health Insurance Subsidy
You must pay back some of the ACA health insurance subsidy when your income is higher than estimated. See when you may benefit from the repayment cap.
Social Security Is Still Taxed Under the New 2025 Trump Tax Law
The new 2025 Trump tax law doesn’t eliminate federal income tax on Social Security benefits. Social Security is still taxable just as before.
Use an Independent Agent for Auto and Home Insurance
Using an independent agent for auto and home insurance gives you a different channel for lower premiums. It’s worth a try.
eSIM for International Travel Mobile Data Roaming
U.S. phone companies charge exorbitant prices for international mobile data roaming. Buying an eSIM for international travel costs under $10.
2025 2026 HSA Contribution Limits and HDHP Qualification
2025 and 2026 HSA contribution limits and HDHP qualifications for individual and family coverage. Small changes in 2026 due to mild inflation.
Backdoor Roth in FreeTaxUSA: Recharacterize & Convert, Same Year
Follow this detailed walkthrough of how to report a Roth conversion in FreeTaxUSA after recharacterizing a Roth IRA contribution in the same year.