OBBBA Calc

About This Calculator

What Is This Tool?

The OBBBA Tax Savings Calculator is a free, browser-based tool that helps American taxpayers understand how much they could save under the One Big Beautiful Bill Act. It covers all six major tax provisions: no tax on tips, no tax on overtime, auto loan interest deduction, senior tax deduction, expanded Child Tax Credit, and the SALT cap increase.

All calculations happen in your browser. We do not store, transmit, or collect any financial information you enter into the calculator. Your data stays on your device.

Who Built This?

This calculator was built by a team of tax-focused software developers who specialize in translating complex tax legislation into accessible, easy-to-use tools. Our calculations are reviewed against IRS publications, revenue procedures, and the legislative text of the One Big Beautiful Bill Act.

We work with licensed CPAs and Enrolled Agents to verify the accuracy of our tax models. While this tool does not replace professional tax advice, we are committed to providing the most accurate estimates possible based on current law and IRS guidance.

Our Commitment to Accuracy

  • Calculations based on official IRS tax brackets and published revenue procedures
  • Reviewed by licensed tax professionals (CPAs and Enrolled Agents)
  • Updated when IRS issues new guidance or revenue procedures
  • Open methodology — we explain how every calculation works on our How It Works page

How We Calculate Savings

Our calculations use the projected 2026 federal tax brackets (based on TCJA permanence under the OBBBA) and the deduction/credit amounts specified in the law. For each provision, we:

  • Determine your eligibility based on filing status, income, and other factors
  • Apply any deduction caps (e.g., $25,000 for tips, $10,000 for auto loan interest)
  • Calculate income phaseouts where applicable
  • Multiply the deduction by your marginal tax rate to determine actual tax savings
  • For credits (like the CTC), calculate the dollar-for-dollar tax bill reduction

Important Disclaimer

This calculator is an educational estimation tool only. It does not constitute tax, legal, or financial advice. The estimates provided are approximations based on the law as written and projected 2026 tax data.

Your actual tax savings may differ based on your complete tax situation, including but not limited to: other deductions, credits, alternative minimum tax, self-employment tax, investment income, and state-specific tax rules.

We strongly recommend consulting a qualified tax professional (CPA, Enrolled Agent, or tax attorney) for personalized tax advice.

This website is not affiliated with, endorsed by, or connected to the Internal Revenue Service (IRS), the United States Congress, or any government agency. Tax data is sourced from publicly available IRS publications and the legislative text of the One Big Beautiful Bill Act.

Data Sources

All tax data used in our calculations comes from official, public sources:

Privacy Policy

Your financial data is never stored or transmitted. All calculations run entirely in your browser using JavaScript. When you enter income, deduction, or credit information into our calculators, that data stays on your device and is never sent to any server.

We may use analytics tools (such as Google Analytics or Plausible) to understand how people use the site (which pages are visited, which calculators are most popular). These tools do not collect your financial information.

If you subscribe to our email newsletter, we store only your email address for the purpose of sending you tax tips and updates. You can unsubscribe at any time.

We display ads and affiliate links to tax preparation services. These third-party services have their own privacy policies. We encourage you to review them before using those services.

Updates & Accuracy

We update this calculator annually when new IRS tax data is published and when legislative changes take effect. We also monitor IRS guidance and revenue procedures for any implementation details that may affect our calculations.

If you find an error in our calculations or have a suggestion for improvement, please let us know. Accuracy is our top priority.