Updated for 2026 · sourced to the IRS

See every tax break you qualify for.

Calculated from your numbers, cited to the bill and the IRS, and ready to file.

Verified 2026-06-22 IRS and bill text Not tax advice

Flagship · sunsets 2028

No Tax on Overtime Calculator

Enter your rate and hours; see your federal savings with the cap and phase-out applied.

What is a tax break

A tax break is any rule that lowers what you owe, and it works in one of three ways. Knowing which one you have tells you what it is actually worth.

1.A deduction lowers the income you are taxed on. A $1,000 deduction saves you your marginal rate times that amount, so about $220 at the 22 percent rate, not the full $1,000.

2.A credit lowers the tax itself, dollar for dollar. A $1,000 credit cuts your bill by $1,000, which is why the Child Tax Credit is worth far more than a deduction of the same size.

3.An exclusion keeps income off the return, like the 2025 no-tax-on-overtime and no-tax-on-tips deductions that exempt part of that pay.

Every calculator here shows the dollar value of one break at your own income, cites the IRS figure behind it, and keeps a deduction separate from a credit so you are never misled about what a break saves. Start with the Child Tax Credit or the no tax on overtime calculator.

The break suite

Two tiers. Evergreen breaks that outlive the 2028 sunset, and fresh OBBBA breaks to harvest now.

Evergreen · Durable authority

$2,200 / child live

Child Tax Credit

$2,200 per qualifying child, permanent and inflation-indexed.

20%, permanent soon

QBI / Self-Employed (§199A)

20% pass-through deduction, now permanent.

$4,400 / $8,750 live

HSA Contribution

2026 limits: $4,400 self / $8,750 family.

2025–2028 · Fresh OBBBA breaks

$12,500 / $25,000 MFJ live

No Tax on Overtime

See how much federal income tax you save on your overtime pay.

$25,000 per return live

No Tax on Tips

Up to $25,000 of qualified tips, deducted from your income.

$40,000 (→ $10k in 2030) soon

SALT Deduction

$40,000 cap through 2029. Are you over it?

+$6,000 (65+) soon

Senior Deduction

Extra $6,000 if you are 65 or older.

$10,000 soon

Car-Loan Interest

Up to $10,000 on a new, US-assembled vehicle.

One thing on energy and EV credits. The residential solar and EV tax credits were terminated by the 2026 law, so we don’t build calculators for benefits that no longer exist.

About TaxBreakCalc

Is TaxBreakCalc free to use?

Yes. Every calculator is free. If you file through one of the tax-software links we show after your result, we may earn a commission at no cost to you. That is how the site is funded.

Is this tax advice?

No. TaxBreakCalc gives estimates to help you understand a break. It is not tax advice, so confirm your numbers with a tax professional or your filing software.

How current are the figures?

Every dollar figure is sourced to the IRS and the statute, then re-checked weekly. Each page shows the date it was verified.

What about my state?

Federal calculators are live now. State-conformity pages are on the roadmap, since the federal deduction and your state’s treatment often differ.