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Most of that complexity does not matter for most people because the standard deduction is higher than you can reach through itemized deductions. Even home owners can usually get more via standard than going through the trouble of mortgage interest deductions.

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Except for all those above-the-line deductions and credits that apply even if you take the standard deduction. Like the new tip tax credit and senior tax credit recently added to our already incredibly complicated tax code.

The tip tax credit is only for businesses though right? That's all I'm finding when I search for tip tax credit, so that's not a factor for individual filers. Senior credit is a bit more but it's still relatively simple to claim. That would also be pretty trivial under the government prepared initial return scenario too.

No it’s a deduction on personal income taxes for up to $25,000 in tip income, newly added by Trump’s “Big Beautiful Bill.” https://www.thetaxadviser.com/news/2025/sep/details-on-irs-p...

Ok I just got confused because there is such a think as the "tip tax credit" as well which is an employeer side tax credit for tips above the catchup required to hit the true minimum wage.

https://www.irs.gov/businesses/small-businesses-self-employe...

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