Free calculators for the new 2025–2028 tax law
See exactly what the One Big Beautiful Bill Act means for your paycheck — tips, overtime, SALT, car loan interest. No signup. No data collected.
Explore the calculators
Explore the topic hubs
What changed
| Provision | Old law | 2025 | 2026 | Expires |
|---|---|---|---|---|
| Tips deduction | none | up to $25,000 | $25,000 | after 2028 |
| Overtime deduction | none | up to $12,500 / $25,000 joint | same | after 2028 |
| SALT cap | $10,000 | $40,000 | $40,400 | reverts to $10,000 in 2030 |
| Car loan interest | none | up to $10,000 | $10,000 | after 2028 |
Phase-outs: $150k/$300k MAGI (tips, overtime), $100k/$200k (car loan), $500k/$505k threshold (SALT). Sources: IRC §224, §225, §163(h) as amended, §70120 — Pub. L. 119-21.
Built for clear answers
Every formula cites the statute
Read the assumptions and source notes in each tool's Methodology section.
Tested and cross-checked
Test cases are compared with IRS-published examples and independent calculators.
Free, no signup
We never ask for your name, email, or SSN. See our Privacy Policy.
FAQ
Is TaxBreak Hub free?
Yes, every calculator is free with no signup.
Are these calculators accurate?
Formulas match the statute exactly (see each tool's Methodology); results are estimates, not advice.
Does it work for the 2026 tax year?
Yes, caps and thresholds are year-indexed (SALT $40,400 cap, $505,000 phase-down threshold in 2026).
Do you store the numbers I enter?
No. Calculations run in your browser; see our Privacy Policy for the few anonymous usage analytics.
Is this tax advice?
No, educational estimates only; consult a licensed professional.
Which deductions are temporary?
Tips, overtime and car loan run 2025–2028; SALT reverts to $10,000 in 2030.
Do I need to itemize?
No for tips, overtime and car loan (above-the-line). SALT only matters when you itemize.
Who runs this site?
An independent team, not affiliated with the IRS or any tax software company; monetized by ads and disclosed affiliate links.