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Getting started is easy, fast and free.","Access high-quality leads in minutes with UnbiasedPro","Get perfect clients now.","If you're looking for the perfect clients we'll deliver them straight to your inbox and give you the tools to manage them throughout the sales process.",[705],{"_uid":706,"title":707,"CTAText":708,"subtitle":709,"component":710,"errorTitle":711,"description":712,"successTitle":713,"errorSubtitle":714,"successSubtitle":715,"consentCheckboxLabelText":716,"errorMesageFirstNameError":717,"consentCheckboxLabelLinkURL":656,"consentCheckboxLabelLinkText":718,"errorMessageRequiredFieldEmail":719,"errorMessageIncorrectEmailFormat":720,"errorMessageRequiredFieldConsent":721,"errorMessageRequiredFieldInterest":722,"errorMessageRequiredFieldFirstName":723},"8ca4fd8f-da99-489f-aa1b-fcfabdd8b7e3","Get the latest news and tips","Sign up for email updates","Sign up for news that may impact your finances","sidebar-email-signup","Sorry, there was a technical problem","Receive the latest news, tips and guides to help you manage your finances","Thanks for signing up!","Please try again later, or email contact@unbiased.com","You should receive an email confirmation shortly.","I consent to Unbiased storing my data in accordance with their","Too many characters","privacy policy","Your email address is required","Your email address contains errors","Your consent is required","Your interest is required","Your first name is required","config",-60,[],0,"c7c18fda-2d94-4a2f-9d60-e1fee25d980a","2022-11-21T10:48:58.546Z","default",[],{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":734},256,"\u003Cpath fill=\"currentColor\" d=\"m216.49 104.49l-80 80a12 12 0 0 1-17 0l-80-80a12 12 0 0 1 17-17L128 159l71.51-71.52a12 12 0 0 1 17 17Z\"/>",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":736},"\u003Cpath fill=\"currentColor\" d=\"m229.66 218.34l-50.07-50.06a88.11 88.11 0 1 0-11.31 11.31l50.06 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12\"/>",{"name":750,"created_at":751,"published_at":752,"updated_at":753,"id":754,"uuid":755,"content":756,"slug":1241,"full_slug":1242,"sort_by_date":34,"position":1243,"tag_list":1244,"is_startpage":543,"parent_id":1245,"meta_data":34,"group_id":1246,"first_published_at":1247,"release_id":34,"lang":730,"path":34,"alternates":1248,"default_full_slug":34,"translated_slugs":34},"Tax credit vs deduction","2023-12-04T16:37:35.627Z","2024-11-27T10:49:57.232Z","2024-11-27T10:49:57.258Z",414363471,"042eff2c-1705-4f3f-abf3-3693f538e1fb",{"_uid":757,"body":758,"hero":1188,"author":1207,"sidebar":1232,"hide_cta":543,"metatags":1233,"component":1237,"subcategories":1238,"intro_paragraph":1239,"intro_subheading":12,"table_of_contents":558,"outgrow_calculator":1240},"099983eb-2310-4b56-a72b-3e8908e19aea",[759,946,968],{"_uid":760,"data":761,"component":945},"d9334fe7-21d6-42e1-b49d-cb46942a060a",{"type":15,"content":762},[763,774,814,822,829,836,843,866,874,881,888,895,902,923,931,938],{"type":764,"attrs":765,"content":767},"heading",{"level":766},2,[768],{"text":769,"type":22,"marks":770},"Summary",[771,772],{"type":38},{"type":129,"attrs":773},{"color":12},{"type":775,"content":776},"bullet_list",[777,787,796,805],{"type":778,"content":779},"list_item",[780],{"type":18,"content":781},[782],{"text":783,"type":22,"marks":784},"Tax credits can reduce the amount of tax you owe the government. ",[785],{"type":129,"attrs":786},{"color":12},{"type":778,"content":788},[789],{"type":18,"content":790},[791],{"text":792,"type":22,"marks":793},"Tax deductions can reduce your taxable income for the year. ",[794],{"type":129,"attrs":795},{"color":12},{"type":778,"content":797},[798],{"type":18,"content":799},[800],{"text":801,"type":22,"marks":802},"Apply credits before you apply the tax rate and apply deductions after calculating the tax due. ",[803],{"type":129,"attrs":804},{"color":12},{"type":778,"content":806},[807],{"type":18,"content":808},[809],{"text":810,"type":22,"marks":811},"Tax credits might result in a refund; deductions do not generate refunds. ",[812],{"type":129,"attrs":813},{"color":12},{"type":764,"attrs":815,"content":816},{"level":766},[817],{"text":818,"type":22,"marks":819},"What are tax credits? ",[820],{"type":129,"attrs":821},{"color":12},{"type":18,"content":823},[824],{"text":825,"type":22,"marks":826},"To begin to understand tax credits vs. deductions, we need first to know what those two terms mean, starting with tax credits. These reduce the amount of taxes you owe, and in most cases, that reduction is dollar for dollar. ",[827],{"type":129,"attrs":828},{"color":12},{"type":18,"content":830},[831],{"text":832,"type":22,"marks":833},"If you meet the relevant income, age, and tax filing status criteria, you could qualify for a tax credit. Let’s say you owe $3,000 in taxes, and you qualify for a $1,500 tax credit. This will reduce your tax liability by $1,500, so you only need to pay $1,500 in tax. ",[834],{"type":129,"attrs":835},{"color":12},{"type":18,"content":837},[838],{"text":839,"type":22,"marks":840},"You could receive a bigger refund if you claim tax credits, but it’s important to remember that some credits cannot be refunded. If your tax credits reduce your tax liability to a negative number, what’s left over will not be used to increase your tax refund’s size. For example, if you owe $4,000 in taxes and you have a $1,500 tax credit, you will not receive the extra $100 in your tax refund check. ",[841],{"type":129,"attrs":842},{"color":12},{"type":18,"content":844},[845,850,861],{"text":846,"type":22,"marks":847},"However, if you have a refundable tax credit such as the Earned Income Tax Credit, you could receive a bigger refund. You could also receive a partially refundable tax credit, such as the ",[848],{"type":129,"attrs":849},{"color":12},{"text":851,"type":22,"marks":852},"American Opportunity Tax Credit",[853,857,859],{"type":31,"attrs":854},{"href":855,"uuid":34,"anchor":34,"target":856,"linktype":36},"https://www.irs.gov/credits-deductions/individuals/aotc","_blank",{"type":129,"attrs":858},{"color":12},{"type":860},"underline",{"text":862,"type":22,"marks":863},". Now that we know how tax credits work, let’s dive into deductions. ",[864],{"type":129,"attrs":865},{"color":12},{"type":764,"attrs":867,"content":868},{"level":766},[869],{"text":870,"type":22,"marks":871},"What are tax deductions? ",[872],{"type":129,"attrs":873},{"color":12},{"type":18,"content":875},[876],{"text":877,"type":22,"marks":878},"If tax credits lower the amount of tax you owe, what are tax deductions? Unlike credits, tax deductions lower your taxable income for that year. There are two ways to claim deductions.  ",[879],{"type":129,"attrs":880},{"color":12},{"type":18,"content":882},[883],{"text":884,"type":22,"marks":885},"One way is to itemize your deductions by listing out the individual expenses that you want to write off on your tax return. Examples of deductible expenses in 2023 include charitable donations, tuition and fees, medical and dental expenses, business travel mileage, and job search expenses. Remember that your ability to claim some deductions might be limited by your household income or filing status. ",[886],{"type":129,"attrs":887},{"color":12},{"type":18,"content":889},[890],{"text":891,"type":22,"marks":892},"The other way is to claim the standard deduction. The amount that you can deduct depends on your filing status. The biggest standard deduction is available for married couples filing a joint tax return. ",[893],{"type":129,"attrs":894},{"color":12},{"type":18,"content":896},[897],{"text":898,"type":22,"marks":899},"Here’s an example of a standard tax deduction in action: Let’s say you’re a single taxpayer who reported a $90,000 earned income in 2022, putting you in the 24% tax bracket. Your tax bill for that year would have been $15,213.50 plus 24% of the excess over $89,075 ($925), which came out to a total of $15,435.50 ($15,213.50 + $222).  ",[900],{"type":129,"attrs":901},{"color":12},{"type":18,"content":903},[904,909,918],{"text":905,"type":22,"marks":906},"The standard deduction for a single filer in the ",[907],{"type":129,"attrs":908},{"color":12},{"text":910,"type":22,"marks":911},"2022 tax year was $12,950",[912,915,917],{"type":31,"attrs":913},{"href":914,"uuid":34,"anchor":34,"target":856,"linktype":36},"https://www.investopedia.com/terms/s/standarddeduction.asp",{"type":129,"attrs":916},{"color":12},{"type":860},{"text":919,"type":22,"marks":920},". Let’s say you contributed $6,000 to your IRA, giving you a $6,000 deduction that reduced your gross income from $90,000 to $84,000. The standard deduction reduces your taxable income further to $71,050, leaving you with a tax bill of $11,248 ($4807.50 plus 22% of the excess over $41,775). ",[921],{"type":129,"attrs":922},{"color":12},{"type":764,"attrs":924,"content":925},{"level":766},[926],{"text":927,"type":22,"marks":928},"Tax credit vs tax deductions: what’s the difference?  ",[929],{"type":129,"attrs":930},{"color":12},{"type":18,"content":932},[933],{"text":934,"type":22,"marks":935},"As you have probably guessed from our look at tax credits vs. tax deductions so far, there are multiple differences between the two.  ",[936],{"type":129,"attrs":937},{"color":12},{"type":18,"content":939},[940],{"text":941,"type":22,"marks":942},"Learn more about their differences in the table below. ",[943],{"type":129,"attrs":944},{"color":12},"article-rich-text",{"_uid":947,"caption":12,"content":948,"component":966,"paste_content":967,"hide_heading_row":543,"first_col_to_headings":543},"8fe528a9-6887-4022-b59a-4c3f24ed742c",{"tbody":949,"thead":959,"fieldtype":965},[950],{"_uid":951,"body":952,"component":958},"ed5d8819-dce6-4226-b5fc-4037f4c15814",[953,956],{"_uid":954,"value":12,"component":955},"de29229c-7a78-4e46-a7f9-6d2f256c0aaa","_table_col",{"_uid":957,"value":12,"component":955},"b085cb2a-2cb4-4b6b-96f8-e6390ac9d0c1","_table_row",[960,963],{"_uid":961,"value":12,"component":962},"4cead2eb-f326-4de9-95b7-cf6c9fae3e6f","_table_head",{"_uid":964,"value":12,"component":962},"93ae5257-fd79-4000-a0b9-b2ccc689692d","table","article-table","\tTax credits\tTax deductions\nBenefits\tReduces tax liability by offsetting taxes owed\tReduces the amount of income subject to taxes\nPoint of adjustment\tBefore the application of the tax rate\tAfter you have ascertained the tax due\nReductions/deductions\tEvery $1 of credit usually reduces taxes owed by $1\tDeductions can be itemized or standard\nPotential increases/decreases\tRefundable credits can increase tax refund size\tDeductions become more valuable the more income you earn\nAvailability\tSome credits are available to certain income levels only\tSome deductions are limited and are based on income and other factors",{"_uid":969,"data":970,"component":945},"e1aecefd-d290-4251-861b-06337800c5d6",{"type":15,"content":971},[972,980,987,995,1024,1030,1050,1058,1087,1093,1122,1130,1137,1144,1152,1159],{"type":764,"attrs":973,"content":974},{"level":766},[975],{"text":976,"type":22,"marks":977},"Tax credit vs tax deductions: what are the pros and cons? ",[978],{"type":129,"attrs":979},{"color":12},{"type":18,"content":981},[982],{"text":983,"type":22,"marks":984},"Our exploration of tax credits vs. tax deductions is incomplete without mentioning the pros and cons of each. Find out what their pros and cons are in the table below. ",[985],{"type":129,"attrs":986},{"color":12},{"type":18,"content":988},[989],{"text":990,"type":22,"marks":991},"Tax credits pros:",[992,993],{"type":38},{"type":129,"attrs":994},{"color":12},{"type":775,"content":996},[997,1006,1015],{"type":778,"content":998},[999],{"type":18,"content":1000},[1001],{"text":1002,"type":22,"marks":1003},"Reduce the amount of tax you owe ",[1004],{"type":129,"attrs":1005},{"color":12},{"type":778,"content":1007},[1008],{"type":18,"content":1009},[1010],{"text":1011,"type":22,"marks":1012},"This might result in a refund ",[1013],{"type":129,"attrs":1014},{"color":12},{"type":778,"content":1016},[1017],{"type":18,"content":1018},[1019],{"text":1020,"type":22,"marks":1021},"Usually designed for low- to moderate-income families ",[1022],{"type":129,"attrs":1023},{"color":12},{"type":18,"content":1025},[1026],{"text":1027,"type":22,"marks":1028},"Tax credits cons:",[1029],{"type":38},{"type":775,"content":1031},[1032,1041],{"type":778,"content":1033},[1034],{"type":18,"content":1035},[1036],{"text":1037,"type":22,"marks":1038},"Claiming credits can delay your refund ",[1039],{"type":129,"attrs":1040},{"color":12},{"type":778,"content":1042},[1043],{"type":18,"content":1044},[1045],{"text":1046,"type":22,"marks":1047},"Strict eligibility criteria ",[1048],{"type":129,"attrs":1049},{"color":12},{"type":18,"content":1051},[1052],{"text":1053,"type":22,"marks":1054},"Tax deductions pros:",[1055,1056],{"type":38},{"type":129,"attrs":1057},{"color":12},{"type":775,"content":1059},[1060,1069,1078],{"type":778,"content":1061},[1062],{"type":18,"content":1063},[1064],{"text":1065,"type":22,"marks":1066},"Reduce your taxable income ",[1067],{"type":129,"attrs":1068},{"color":12},{"type":778,"content":1070},[1071],{"type":18,"content":1072},[1073],{"text":1074,"type":22,"marks":1075},"Helpful for self-employed people with business expenses ",[1076],{"type":129,"attrs":1077},{"color":12},{"type":778,"content":1079},[1080],{"type":18,"content":1081},[1082],{"text":1083,"type":22,"marks":1084},"You can claim the standard deduction easily ",[1085],{"type":129,"attrs":1086},{"color":12},{"type":18,"content":1088},[1089],{"text":1090,"type":22,"marks":1091},"Tax deductions cons:",[1092],{"type":38},{"type":775,"content":1094},[1095,1104,1113],{"type":778,"content":1096},[1097],{"type":18,"content":1098},[1099],{"text":1100,"type":22,"marks":1101},"Itemized deductions involve lots of paperwork ",[1102],{"type":129,"attrs":1103},{"color":12},{"type":778,"content":1105},[1106],{"type":18,"content":1107},[1108],{"text":1109,"type":22,"marks":1110},"Deductions do not generate refunds ",[1111],{"type":129,"attrs":1112},{"color":12},{"type":778,"content":1114},[1115],{"type":18,"content":1116},[1117],{"text":1118,"type":22,"marks":1119},"Deciding between standard and itemized deductions can be difficult ",[1120],{"type":129,"attrs":1121},{"color":12},{"type":764,"attrs":1123,"content":1124},{"level":766},[1125],{"text":1126,"type":22,"marks":1127},"What are tax exemptions? ",[1128],{"type":129,"attrs":1129},{"color":12},{"type":18,"content":1131},[1132],{"text":1133,"type":22,"marks":1134},"The term refers to income or transactions that are free from tax at the local, state, or federal level. Any reporting of them on your return is for informational purposes only. ",[1135],{"type":129,"attrs":1136},{"color":12},{"type":18,"content":1138},[1139],{"text":1140,"type":22,"marks":1141},"One example of income with tax exemptions is the interest earned on municipal bonds. Any interest you make on these bonds issued in your state of residence is exempt from state and federal taxes. ",[1142],{"type":129,"attrs":1143},{"color":12},{"type":764,"attrs":1145,"content":1146},{"level":766},[1147],{"text":1148,"type":22,"marks":1149},"Need more information? ",[1150],{"type":129,"attrs":1151},{"color":12},{"type":18,"content":1153},[1154],{"text":1155,"type":22,"marks":1156},"You can benefit from tax credits and tax deductions, although both also have cons. Ensure you understand the differences between tax credits and tax deductions, know what the implications are for your finances, and take advantage of them appropriately.  ",[1157],{"type":129,"attrs":1158},{"color":12},{"type":18,"content":1160},[1161,1167,1177,1183],{"text":1162,"type":22,"marks":1163},"Let ",[1164,1165],{"type":38},{"type":129,"attrs":1166},{"color":12},{"text":1168,"type":22,"marks":1169},"Unbiased match you ",[1170,1173,1174,1176],{"type":31,"attrs":1171},{"href":1172,"uuid":34,"anchor":34,"target":856,"linktype":36},"https://v2.unbiased.com/inquiry/financial-advisor?_gl=1%2af4nbz3%2a_ga%2aMTM4NDkzNjczNC4xNjk2NDkwNDk2%2a_ga_2L93GWDPD4%2aMTY5NzQ3MDMxNC40LjEuMTY5NzQ3MTA3OS43LjAuMA..",{"type":38},{"type":129,"attrs":1175},{"color":12},{"type":860},{"text":1178,"type":22,"marks":1179},"with an SEC-regulated financial advisor whom you can turn to for expert financial advice on tax, saving, and taking control of your money.",[1180,1181],{"type":38},{"type":129,"attrs":1182},{"color":12},{"text":1184,"type":22,"marks":1185}," ",[1186],{"type":129,"attrs":1187},{"color":12},[1189],{"_uid":1190,"image":1191,"title":1194,"component":1206,"breadcrumbs":558},"51e4baae-8fa8-4773-a587-155dc0f52607",{"alt":12,"name":12,"title":12,"filename":1192,"copyright":12,"fieldtype":1193},"https://a.storyblok.com/f/185166/2411x1356/b6020f32d8/dan-dimmock-snwnjxm8ety-unsplash_11zon_11zon.webp","asset",{"type":15,"content":1195},[1196],{"type":18,"content":1197},[1198,1204],{"text":1199,"type":22,"marks":1200},"Tax Credits vs. tax deductions",[1201],{"type":25,"attrs":1202},{"class":1203},"primary-gradient",{"text":1205,"type":22},": what’s the difference?","app-hero",{"name":1208,"created_at":1209,"published_at":1210,"updated_at":1211,"id":1212,"uuid":1213,"content":1214,"slug":1224,"full_slug":1225,"sort_by_date":34,"position":1226,"tag_list":1227,"is_startpage":543,"parent_id":1228,"meta_data":34,"group_id":1229,"first_published_at":1230,"release_id":34,"lang":730,"path":34,"alternates":1231,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Rachel Carey","2023-03-28T10:05:08.718Z","2025-01-28T12:05:49.815Z","2025-01-28T12:05:49.832Z",283076789,"b4ce951f-89c7-4ef6-97a8-709dc6d856e1",{"job":1215,"_uid":1216,"name":1208,"image":1217,"component":1220,"education":1221,"expertise":1222,"description":1223},"Senior Content Writer","a6e3129c-eeee-4438-8204-797883981521",{"id":1218,"alt":12,"name":12,"focus":12,"title":12,"filename":1219,"copyright":12,"fieldtype":1193,"is_external_url":543},7792663,"https://a.storyblok.com/f/185166/1199x1257/2401746255/rachel-carey.jpg","article-author","Griffith College Dublin, MA (Hons) in Journalism & Media Communications","Rachel brings over a decade of experience in media, including SEO content writing, marketing, public relations, and broadcast and print journalism.","Rachel is a Senior Content Writer at Unbiased, producing content across a range of different sectors, including personal finance, retirement, and investing. She specializes in simplifying intricate financial terms into clear, engaging content tailored for both B2C and B2B audiences.","rachel-carey","authors/rachel-carey",-10,[],224651374,"024abff2-15a6-4099-8ba2-25c01abe42e8","2023-04-03T07:50:42.397Z",[],[],{"title":1234,"plugin":1235,"og_image":12,"og_title":12,"description":1236,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"Tax Credit vs. Deductions | Unbiased","seo_metatags","Demystify taxation with our comprehensive guide on tax credits vs. tax deductions. Learn the key differences, benefits, and how to maximize your tax savings. ","app-article",[],"Delve into tax credits vs. tax deductions, examine their differences, pros, and cons, and take a look at tax exemptions with this article. ",[],"tax-credit-vs-deduction","discover/taxes/tax-credit-vs-deduction",-2840,[],224651381,"56e15c4d-9a50-4309-8c08-1641a1c804c0","2023-12-05T09:11:43.316Z",[],{"left":727,"top":727,"width":1250,"height":1250,"rotate":727,"vFlip":543,"hFlip":543,"body":1251},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1253,1256,1257],{"title":1254,"exact":558,"href":1255},"Home","https://www.unbiased.com",{"title":453,"exact":558,"to":466,"disabled":543},{"title":750,"exact":558,"to":1258,"disabled":558},"/discover/taxes/tax-credit-vs-deduction",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1260},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777540338526]