The medical expense deduction calculator determines how much of your medical costs are deductible above the 7.5% AGI floor for 2026. Only the amount exceeding this threshold can be included in your itemized deductions on Schedule A.
Medical Expense Details
Medical Expenses (enter qualifying amounts)
Only if not employer-sponsored or pre-tax
How the Medical Expense Deduction Works
The medical expense deduction allows you to deduct qualified medical expenses that exceed 7.5% of your AGI. Only the excess amount is deductible as an itemized deduction on Schedule A.
Qualifying vs Non-Qualifying Expenses
Qualifying expenses include diagnosis, cure, mitigation, treatment, and prevention of disease. This covers: doctor/specialist visits, hospital care, prescriptions, dental, vision, hearing aids, insulin, medical equipment, and long-term care. Non-qualifying expenses include cosmetic procedures, gym memberships, and over-the-counter items (except insulin).
HSA vs Medical Expense Deduction
Expenses paid from an HSA cannot also be claimed as a medical expense deduction — you'd be getting a double tax benefit, which isn't allowed. Track which expenses were paid from your HSA separately from those paid out-of-pocket.
FAQ
Is this medical expense calculator free?
Yes, completely free with no signup required.
What is the medical expense deduction threshold?
For 2026, you can only deduct medical expenses that exceed 7.5% of your Adjusted Gross Income (AGI). For example, with $80,000 AGI, only medical expenses above $6,000 are deductible.
What medical expenses qualify for deduction?
Qualifying expenses include: doctor/dentist visits, prescriptions, hospital care, vision/dental care, hearing aids, medical equipment, long-term care insurance premiums, and health insurance premiums if self-employed.
What medical expenses are NOT deductible?
Non-qualifying expenses include: cosmetic surgery (unless medically necessary), health club dues, toiletries, nonprescription medications, and medical expenses reimbursed by insurance or your HSA.
Should I itemize to claim medical expenses?
Only if your total itemized deductions (including qualifying medical expenses) exceed your standard deduction. Use the Standard vs Itemized Deduction calculator to compare. Most taxpayers with medical expenses still benefit more from the standard deduction.