by Sacramento, CA — For many California residents, turning 65 brings more than just Medicare eligibility and senior discounts — it can also mean additional tax savings. One such benefit is the California Extra Standard Deduction for Seniors, which can help lower taxable income and potentially reduce the amount of state taxes owed.
This guide explains how the deduction works, who qualifies, how much you can claim, and how it compares to the federal standard deduction.
What Is the Extra Standard Deduction for Seniors?
The California Extra Standard Deduction for Seniors is an additional amount that qualifying taxpayers can add to their standard deduction when filing state income taxes. This deduction is designed to help seniors and certain disabled individuals keep more of their income.
Unlike itemized deductions, which require detailed tracking of expenses, the standard deduction — and any extra amount for seniors — is automatically available if you meet the eligibility requirements.
According to the California Franchise Tax Board, this benefit is one of the most straightforward tax savings options available for older residents.
Who Qualifies for the Extra Deduction?
To claim the extra deduction in California, you must meet at least one of the following:
- Be 65 years of age or older on the last day of the tax year
- Be legally blind, regardless of age
If you’re married or filing jointly and both spouses are over 65 or blind, you can claim the extra deduction for each qualifying person.
“This deduction is an important but sometimes overlooked benefit for seniors in California,” says David Chang, a Sacramento-based tax preparer, in an interview with CalMatters.
“Even if you have modest income, it can make a noticeable difference in your state tax bill.”
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How Much Is the Deduction Worth?
The exact amount of the extra standard deduction for seniors changes from year to year because it’s adjusted for inflation. For the 2025 tax year, the additional amount is:
- $1,800 for single or head-of-household filers age 65+ or blind
- $1,800 per person for married couples, meaning potentially $3,600 if both qualify
This is in addition to California’s regular standard deduction, which for 2025 is:
- $5,363 for single or married/RDP filing separately
- $10,726 for married/RDP filing jointly, qualifying widow(er), or head of household
For example, a single senior over 65 in 2025 could claim $5,363 + $1,800 = $7,163 as their total standard deduction.
How to Claim the Extra Deduction
Claiming the extra deduction is straightforward:
- When filling out your California Form 540 (or 540 2EZ), indicate your age and/or blindness status.
- The tax form automatically adjusts your standard deduction to include the extra amount if you qualify.
- You do not need to provide medical proof for age, but if you’re claiming blindness, you may need certification from an eye doctor or the state.
“The key is to make sure you check the right box,” notes Chang.
“It’s surprising how many seniors miss out on this because they overlook that section of the return.”
How It Differs from the Federal Deduction
While both California and the federal government offer extra deductions for seniors, the amounts and rules are different.
For 2025 federal taxes, the additional standard deduction is:
- $1,950 for single or head-of-household filers 65+
- $1,550 per person for married couples 65+
As IRS.gov explains, the federal deduction is larger overall, but California’s benefit still adds meaningful savings — especially since it applies to your state tax bill, which is separate from federal taxes.
Why This Matters for Retirement Planning
For retirees living on fixed incomes, every dollar counts. This deduction:
- Lowers taxable income, reducing how much you owe in state taxes
- Can help offset increases in property taxes, utility bills, or medical costs
- Works even if you don’t itemize deductions
It’s especially valuable for seniors with Social Security benefits, pensions, or part-time work income that are subject to California state taxes.
Final Tips for Seniors Filing Taxes in California
- Double-check eligibility each year, especially if your filing status changes
- Combine this with other senior benefits, like property tax exemptions or credits
- If unsure, consult a California tax professional to avoid missing savings
- Keep in mind that California’s tax rules often differ from the IRS
“The extra standard deduction is one of the simplest ways for seniors to reduce their California tax bill,” says Chang.
“Don’t leave it on the table — it’s your money.”
Have you claimed California’s senior tax deduction before? Share your experience and tips for others at ibwhsmag.com.
