Actual vs. Standard Mileage Calculator (2026)

Actual vs. standard mileage calculator (2026)

Compare the IRS standard mileage rate with your actual car costs and see which deduction is bigger, plus the rules that lock in your choice.

Miles

Total miles driven in 2026

Business miles Jan. 1 to June 30Rate: 72.5¢ a mile

Business miles July 1 to Dec. 31Rate: 76¢ a mile

Do you own or lease the car?

Method used for this car in earlier years

My business uses 5 or more vehicles at the same time

Yearly car costs (whole year, before business share)

Gas or charging

Oil, maintenance and repairs

Tires

Car insurance premiums

Registration and license fees

Other (car washes, garage rent)

Depreciation for 2026

Use your depreciation figure, or try the equipment depreciation calculator.

Lease payments in 2026

Deductible with either method

Business parking and tolls

Count 100% of business parking and tolls.

Car loan interest (self-employed only)

Employees can’t deduct this.

Personal property tax on the car

CT town car tax bill, or the property tax part of NC registration.

Educational estimate only, not tax or legal advice. Uses 2026 IRS figures. Nothing you enter leaves this page. Checked November 2026.