2026 Mileage Deduction Calculator
The IRS split 2026 in two: business miles are worth 72.5 cents through June 30 and 76 cents from July 1 (Announcement 2026-11 - a rare mid-year increase). Most calculators still use one flat rate; this one applies the right rate to the right half and estimates what the deduction saves you in actual tax.
Know your exact split? Enter first-half and second-half miles
Estimates for planning. SE-tax savings assume you stay profitable after the deduction; income limits, QBI interactions, and state tax are not modeled. Not tax advice.
How to calculate your 2026 mileage deduction
- Split your miles at June 30. Total the business miles you drove January through June, then July through December. This is the step a single annual odometer figure cannot give you, and it is the reason a dated per-trip log matters more in 2026 than in a normal year.
- Apply each rate to its own half. First-half miles multiply by $0.725, second-half miles by $0.76. Add the two results. Nothing is prorated or averaged - the IRS rate is set by the date the mile was driven.
- Add parking and tolls. Business parking fees and tolls deduct on top of the standard rate. Gas, maintenance, insurance and depreciation do not, because the rate already bundles them.
- Estimate the tax saved, not just the deduction. A deduction is not a refund. Multiply the total by roughly 14.1% for self-employment tax, then by your federal bracket, to see what it is actually worth. The calculator above does this for you.
IRS business mileage rates by year
Two things stand out. The rate has only been changed mid-year twice in recent memory, in 2022 and again in 2026, both times driven by fuel prices. And 2025's 70 cents is still the figure most online calculators use, which is why a 2026 deduction computed with it comes out low.
| Tax year | Business rate | Note |
|---|---|---|
| 2026 (Jul 1 - Dec 31) | 76.0¢ | Announcement 2026-11, mid-year increase |
| 2026 (Jan 1 - Jun 30) | 72.5¢ | Notice 2026-10 |
| 2025 | 70.0¢ | Do not use this for 2026 miles |
| 2024 | 67.0¢ | |
| 2023 | 65.5¢ | |
| 2022 (Jul 1 - Dec 31) | 62.5¢ | The previous mid-year increase |
| 2022 (Jan 1 - Jun 30) | 58.5¢ | |
| 2021 | 56.0¢ | |
| 2020 | 57.5¢ |
Source: IRS standard mileage rates table, irs.gov, checked August 2026. Amending an earlier return? Use the rate for the year the miles were driven, not today's.
Why the split matters this year
On July 13, 2026 the IRS raised the business rate mid-year for the first time since 2022, citing fuel prices. That makes 2026 a two-rate year: a December total of your annual miles can't be filed correctly, because 7,500 miles driven in spring are worth $5,437.50 while the same miles driven in fall are worth $5,700. Your log has to say when you drove - which a dated, per-trip record does automatically and a year-end odometer guess does not. Full coverage of the change is in our mid-year rate article, and the rate's history and rules are in the 2026 rate guide.
What the deduction is really worth
Two taxes shrink when your mileage deduction grows. Self-employment tax runs 15.3% on 92.35% of net profit - roughly 14.1 cents saved per deduction dollar while you remain profitable. Federal income tax comes off at your bracket. A driver in the 12% bracket saves about $260 per $1,000 of deduction; in the 22% bracket, about $360. That's why the difference between a complete log and a platform's partial estimate is real money, not bookkeeping pride - and why the quarterly estimate math moves when the rate does.
The miles most drivers forget to count
Platform year-end figures cover engaged miles at best - DoorDash's estimate is on-delivery only, and Walmart gives Spark drivers no mileage summary at all. Deductible working miles also include repositioning between offers, driving toward hotspots while available, and multi-app gaps that no single platform sees. Gridwise estimates unreported deadhead adds 30-40% on top of what apps show. At second-half rates, an uncounted 200-mile week is $152 of deduction - $790 of deduction per thousand uncounted miles, every month, forever. An automatic tracker exists so none of this depends on memory.
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