Combined OBBBA Total Tax Savings Calculator | 2026 Relief

Four deductions, four different cliffs

The stack is generous at $60,000 of income and nearly empty at $160,000, but not uniformly: the auto deduction dies first (gone at $150k single), the senior deduction starts fading at just $75k, while tips and overtime hold full strength until $150k. A raise from $95,000 to $130,000 quietly kills different deductions at different speeds, and nobody at payroll is tracking that for you.

That staggering is worth modeling before income-shifting decisions: a December bonus, a Roth conversion, or selling appreciated stock lands on top of MAGI and can knock out hundreds of dollars of deduction per thousand of extra income while you are inside multiple ramps at once. The calculator's MAGI slider shows the combined cliff for your exact mix, and watching where the total saving drops fastest tells you which threshold your household actually lives next to. Deferring $10,000 of a bonus into January can be worth more than the bonus's own interest when it holds two ramps at bay simultaneously.

Where Carla's $3,420 actually comes from

Summing caps is not the same as saving money: the deduction pile only saves at your bracket rate, and it can drag you DOWN a bracket partway through. Carla's first dollars of deduction save 22 cents each; once her taxable income falls below $50,400 the rest save 12 cents. The blended result, $3,420 on $28,500 of deductions, is exactly the kind of number a flat 'marginal rate times deduction' shortcut gets wrong.

The uncomfortable mirror image: workers in the 10% bracket get the least from the same deductions, and workers with income so low they already owe no federal tax get precisely nothing, these are deductions, not refundable credits. The biggest winners are full-cap earners in the 22-24% brackets, which is the honest summary of who OBBBA's personal provisions serve best. If your withholding already lands near zero, do not expect a windfall refund from this stack; there is no liability left for it to erase, and the calculator will show a small or zero saving for exactly that reason.

All four expire together after 2028

Every deduction in this stack runs out after the 2028 tax year unless Congress renews it. Plan on four filing seasons of this arithmetic and be pleasantly surprised by a fifth, not the other way round.

The sunset also frames the one genuinely time-sensitive decision here: a car purchase you were making anyway is worth timing inside the window if the US-built trim qualifies, but taking on debt or working punishing overtime purely to harvest a temporary deduction inverts the math, you spend real dollars to collect a fraction back at your bracket rate.

At filing time each deduction claims separately on the 1040 against its own reporting trail: W-2 tip and overtime boxes, the lender's interest statement, your date of birth. Nothing here requires itemizing, but everything here requires the paperwork to agree with the claim.

Two eligibility gates apply across the whole stack and get missed constantly. First, every one of these deductions requires a valid Social Security number on the return, ITIN filers are excluded by statute. Second, married taxpayers filing SEPARATELY are barred from the tips and overtime deductions entirely, the law forces joint filing to claim them, which quietly changes the filing-status math for couples who normally separate for student-loan or liability reasons. If you are weighing IBR payment optimization against a $2,000 OBBBA saving, that trade now has a price tag, and this calculator gives you the OBBBA side of it in one run.