--- title: "Mileage Deduction Calculator: Standard Rate vs Actual Costs" description: "Work out your business mileage deduction at the IRS standard rate and compare it with actual vehicle costs. Free and private, runs in your browser." url: "https://mcc-solutionsnj.com/bookkeeping/mileage-deduction-calculator" --- Free tool # Mileage deduction calculator ## Overview Enter your business miles and the rate. See your standard mileage deduction, then add your actual vehicle costs to compare the two methods. [![Intuit ProAdvisor Gold tier badge](/img/credentials/intuit-proadvisor-gold.png)](https://proadvisor.intuit.com/app/accountant/search?searchId=matthew-coleman77)Gold tier in Intuit's ProAdvisor program. [See my Intuit listing](https://proadvisor.intuit.com/app/accountant/search?searchId=matthew-coleman77) Keeping your own books? Tallyfinch does invoices, bank import and reports on your computer. [See Tallyfinch](/bookkeeping/mcc-books-downloadable-bookkeeping-software) Business miles driven Rate in cents per mile (76 = IRS rate July 1 to Dec 31, 2026) Total miles driven all year (optional, for actual costs) Gas ($) (optional) Insurance ($) (optional) Repairs and upkeep ($) (optional) Depreciation ($) (optional) Other vehicle costs ($) (optional) Excel workbook ยท $19 ### Gig Driver Income and Mileage Tracker Log each day by platform and see what you really earn per mile and per hour, which platform pays best, and how much to set aside for taxes. [See what is inside ($19)](/toolkits/gig-driver-income-mileage-tracker)14-day full refund Share ## Put this tool on your own site Free to use. Paste this where you want it to appear. It runs in the visitor's browser, so nothing they enter is sent to us. [See every calculator you can embed](/embed) How it works ## How it works The standard deduction is **business miles x the rate per mile**. The IRS rate for 2026 is 72.5 cents for January through June and 76 cents for July through December, so if you drove in both periods, run each period's miles separately and add the results. Want a second pair of eyes on your books? [A free bookkeeping health check](/bookkeeping/health-check). For actual costs, enter your total miles, gas, insurance, repairs and depreciation. The calculator multiplies the costs by your business share of the driving. Parking and tolls are tracked separately. Check IRS rules for your vehicle before choosing a method. FAQ ## About this calculator **What is the standard mileage rate for 2026?** The IRS set the business rate at 72.5 cents per mile for January 1 through June 30, 2026, and raised it to 76 cents per mile for July 1 through December 31, 2026. If you drove in both periods, add up the miles for each period and apply that period's rate. The IRS posts the rates on its standard mileage rates page. **What does the standard rate cover?** It is meant to cover the cost of operating the vehicle, including gas, repairs, insurance and depreciation. Parking fees and tolls for business trips are generally added on top. **What counts as business miles?** Driving between work locations, to clients and to pick up supplies can count. Commuting from home to your regular workplace generally does not. Keep a log with the date, miles, place and purpose of each trip. **Standard rate or actual costs?** Actual costs means tracking gas, repairs, insurance and depreciation and deducting the business share. The standard rate is simpler. Which one you may use depends on IRS rules for your vehicle and when you started using it for business, so ask your preparer before choosing. **Can I change the rate in the calculator?** Yes. The rate field is in cents per mile. If the IRS changes the rate, type the new one. **Is anything saved?** No. The math runs in your browser and nothing you enter is sent to us. Build your log with our guide to [keeping a business mileage log](/bookkeeping/guides/how-to-keep-a-business-mileage-log), plan payments with the [quarterly estimated tax calculator](/bookkeeping/quarterly-estimated-tax-calculator), or check [deductions to review](/bookkeeping/tax-deduction-checklist). More free tools: [Depreciation calculator](/bookkeeping/depreciation-calculator), [Do I need to send a 1099?](/bookkeeping/do-i-need-to-send-a-1099), [Craft fair profit calculator](/bookkeeping/craft-fair-profit-calculator), or [see all free tools](/free-tools). Free ### Month-End Close Checklist (PDF) The five-day close, one page to print. Enter your email and we send a link to confirm it is yours, then the download. We may email you about new toolkits, and every email has an unsubscribe link. General information, not tax or legal advice. [How we write and check our tools](/editorial-standards). Keep this calculator on your phone: [Add MCC Money to your phone](/tools/mcc-money-app). It's free, works offline and holds 62 calculators. Excel workbook ### Gig Driver Income and Mileage Tracker Log each day by platform and see what you really earn per mile and per hour, which platform pays best, and how much to set aside for taxes. [See what is inside ($19)](/toolkits/gig-driver-income-mileage-tracker) Also in the [Driver and Side Hustle Bundle](/toolkits/driver-side-hustle-bundle): 3 products for $49 instead of $62 separately. Tallyfinch ### Books you keep on your own computer Tallyfinch does invoices, bills, bank import, reconciliation and the main reports, in a file you own. $99 once, then $5 a month for updates; the app keeps working if you stop the plan. It does not do payroll or sales tax filing. The free download records up to 60 entries. [See Tallyfinch](/bookkeeping/mcc-books-downloadable-bookkeeping-software) [Download it free](/tools/pro/trial/mccBooks) [Compare the three apps](/software) ## Want your records ready at tax time? [See bookkeeping](/bookkeeping/)[Call (908) 444-6373](tel:+19084446373)