[FREE GUIDE] TAX SECRETS FOR THE SELF EMPLOYED Download

BOOK A CONSULTATION
CLIENT LOGIN
/    TAX Calculators / Mortgage Interest Deduction Calculator

Mortgage Interest Calculator: See How Much of Your Mortgage Interest You Can Deduct in 2026

Use our Mortgage Interest Deduction Calculator to estimate how much of your mortgage interest you can write off under the current 2026 IRS rules. Whether you’re itemizing or comparing standard deductions, this tool helps homeowners and real estate investors plan smarter.
Start the Calculator

How it works

1.Enter Your Mortgage Details

Input your mortgage balance, interest rate, and payments made in 2026.

2. Add Your Filing Status & Total Deductions

We’ll compare your interest deduction to the standard deduction and help determine if itemizing makes sense.

3. See Your Deductible Interest Amount

Get a clear estimate of how much mortgage interest you can claim—and what it means for your tax return.

Need Professional Tax Help?

Review your results with a tax professional to confirm whether an S-Corp is the right move for your business. If the numbers show potential savings, the next step is validating them with an expert. A personalized review can help confirm whether these estimates apply to your specific situation.
book a consultation

Why Use This Calculator?

Estimate your 2026 mortgage interest deduction
Compare itemized vs. standard deduction
Understand how homeownership impacts your tax strategy
Prepare documents ahead of filing
Maximize tax savings on your primary residence, second home, or investment property

Frequently Asked Questions

This tool works for primary and secondary homes, and applies to conventional, FHA, and VA loans. For investment property interest, contact our team.

Under 2026 law, interest on up to $750,000 of mortgage debt is deductible if you itemize (or $1M for pre-2018 loans). This tool uses updated limits based on your loan type.

No—this tool estimates deductible interest only. Property taxes may be deductible separately up to $10,000.

Absolutely. The results can help you decide whether reducing your balance or timing payments makes sense before year-end.

More frequently asked questions