Overtime Tax Break (Code TT)
Up to $12,500 single / $25,000 joint
Qualified overtime premium pay may reduce taxable income, lowering federal income tax, but it does not reduce Social Security or Medicare tax.
Free IRS Schedule 1-A Calculator: Estimate Your OBBBA Tax Savings →
Stop Overpaying Taxes. Uncover Smarter Tax-Saving Strategies in 60 Seconds to Save Thousands.
TaxSaveIQ helps W-2 earners, 1099 contractors, LLC owners, and small businesses uncover planning opportunities and estimate strategies that may reduce their tax bill — free, with plain-English AI explanations and a free PDF export.
Educational estimates only. Not tax, legal, or financial advice.
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Enter your income, contributions, and filing status. Every number updates live — no submit button, no waiting, no email required.
✅ 2026 OBBBA deductions built in
✅ All 50 states + DC covered
✅ QBI, SE tax, NIIT, LTCG — all calculated
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Built for your situation
Which type of taxpayer are you?
We've built tools for every tax situation — from your first W-2 job to running a full S-Corp.
W-2 Tax Optimization
Beyond the standard deduction
Most W-2 employees leave thousands on the table every year. Max your 401k, HSA, and new OBBBA deductions to legally lower your taxable income.
Federal + state tax estimate
401k / HSA / FSA optimizer
OBBBA overtime deduction
Standard vs itemized comparison
Business Tax Savings
Maximize your QBI deduction
1099 freelancers and small business owners can deduct 20% of income through Section 199A — and unlock Solo 401k, home office, mileage, and 100% bonus depreciation.
QBI (20%) deduction calculator
Self-employment tax breakdown
Solo 401k vs SEP-IRA optimizer
S-Corp vs sole prop analysis
Section 179 + bonus depreciation
Smart Retirement Planning
Roth vs Traditional modeling 2026
Should you pay taxes now or later? Our break-even calculator models your exact situation — including backdoor Roth eligibility and 30-year projections.
2026 Roth phase-out checker ($153k–$168k)
Backdoor Roth strategy flag
30-year projection comparison
Capital gains tax optimizer
NIIT surcharge calculator
All 50 states + DC
🗺️ Free 2026 Income Tax Calculator for Every State
Pick your state to see your 2026 brackets, take-home pay, and effective rate — all 50 states + DC, updated for OBBBA.
AlabamaGraduatedAlaskaNo income taxArizonaFlatArkansasGraduatedCaliforniaGraduatedColoradoFlatConnecticutGraduatedDelawareGraduatedFloridaNo income taxGeorgiaFlatHawaiiGraduatedIdahoFlatIllinoisFlatIndianaFlatIowaGraduatedKansasGraduatedKentuckyFlatLouisianaFlatMaineGraduatedMarylandGraduatedMassachusettsFlatMichiganFlatMinnesotaGraduatedMississippiGraduatedMissouriGraduatedMontanaGraduatedNebraskaGraduatedNevadaNo income taxNew HampshireNo income taxNew JerseyGraduatedNew MexicoGraduatedNew YorkGraduatedNorth CarolinaFlatNorth DakotaGraduatedOhioGraduatedOklahomaGraduatedOregonGraduatedPennsylvaniaFlatRhode IslandGraduatedSouth CarolinaGraduatedSouth DakotaNo income taxTennesseeNo income taxTexasNo income taxUtahFlatVermontGraduatedVirginiaGraduatedWashingtonNo income taxWashington DCGraduatedWest VirginiaGraduatedWisconsinGraduatedWyomingNo income tax
Free tools
Free calculators and tax tools. No account needed.
Every calculator runs instantly in your browser. No email. No sign-up. No data stored.
Most popular
Federal Tax Calculator
2026 brackets, all filing statuses, OBBBA deductions built in.
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Capital Gains Tax
Short-term vs long-term · NIIT surcharge · Holding period timer.
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1099 ownersSelf-Employment Tax
92.35% rule · SS wage base $184,500 · QBI · Quarterly estimates.
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Roth vs Traditional IRA
Break-even modeling · 2026 phase-outs · Backdoor Roth check.
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FreelancersW-2 vs 1099 Calculator
Benefits toggle · Target rate formula · Hidden FICA cost revealed.
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State Tax Estimate
All 50 states · OBBBA SALT cap $40,400 · Reciprocity rules.
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Take action, not just estimates
Tax Savings Action Center
Free, privacy-first tools that turn tax rules into specific moves you can make — through payroll, before December 31, or by the filing deadline.
W-2 · Through payroll
W-4 Paycheck Withholding Optimizer
Dial in your federal withholding so you don't over- or under-pay. Get a suggested W-4 Step 3 and Step 4(c) amount.
Open tool →Everyone · Start here
Tax Savings Action Plan & Tax IQ Score
Answer 12 questions to get your Tax IQ score out of 100 and a ranked list of your top tax-saving moves.
Open tool →Parents · By filing deadline
Family Tax Credit Finder
Estimate the Child Tax Credit, Credit for Other Dependents, child-care credit, EITC eligibility, and adoption credit.
Open tool →Self-employed · By filing deadline
Home Office Deduction Calculator
Compare the simplified ($5/sq ft) and actual-expense methods for your self-employed home office and see which is larger.
Open tool →Self-employed · By filing deadline
Mileage Deduction Calculator
Estimate your business-vehicle deduction at the 2026 standard rate of 72.5¢/mile vs the actual-expense method.
Open tool →1099 · Quarterly
Quarterly Estimated Tax Safe-Harbor Planner
Estimate quarterly payments and check the safe-harbor rule so you avoid IRS underpayment penalties.
Open tool →🔒 No SSN, no bank login, no IRS login, no payroll password. Runs in your browser. Educational estimate only.
New2025–2026 Tax Year · Form 1040 Line 13b
Schedule 1-A & OBBBA Deduction Calculator
Estimate new OBBBA deductions for tips, overtime premium pay, car loan interest, and seniors with TaxSaveIQ's free Schedule 1-A OBBBA deduction calculator. No login required.
2026 Law Changes
One Big Beautiful Bill Act —
What Changed for You
The OBBBA created 6 major new deductions and credits for 2026. All of them are built into our calculators — updated the day the bill was signed.
Tax-Free Tip Deduction (Code TP)
Up to $25,000 deduction
Qualified tip income can now be deducted, giving millions of service workers real relief.
SALT Cap Raised 4× to $40,400
$40,400 for 2026 (single or joint)
The OBBBA lifted the SALT cap from $10,000 to $40,400 — the same whether you file single or jointly (married filing separately is half) — the biggest change since TCJA.
Higher Child Tax Credit
$2,200 per qualifying child
The Child Tax Credit increased to $2,200 per child under 17 in 2026, up from $2,000.
100% Bonus Depreciation (Permanent)
Full cost in year one
Business owners can deduct 100% of qualifying equipment and property in the year of purchase.
Charitable Deduction for Non-Itemizers
Up to $1,000 single / $2,000 joint
Even if you take the standard deduction, you can now deduct cash charitable gifts on top.
Privacy-first · No bank passwords · No data stored
Built on trust. Backed by IRS sources.
Zero data storage
Every calculation runs in your browser. We never see your income, name, or financial data.
IRS-sourced numbers
All brackets, limits, and phase-outs cite Rev. Proc. 2025-32 and official IRS publications.
Updated June 2026
OBBBA rules, 2026 SS wage base ($184,500), and all new limits are reflected immediately.
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Fully responsive for every screen. Over half of tax searches happen on mobile.
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Educational disclaimer
Every result carries a plain-English note: educational estimate, not tax advice.
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Common questions
People
also ask
Straight answers to the most searched tax questions for 2026 — no jargon, no fluff.
Get my custom tax roadmap →How much can I save with an HSA in 2026?
In 2026, HSA limits are $4,400 (self-only) or $8,750 (family). At a 22% marginal rate, contributing the maximum saves you up to $1,925 in federal income tax — and withdrawals for medical expenses are 100% tax-free.
What is the OBBBA overtime tax deduction?
The One Big Beautiful Bill Act created a new deduction for qualified overtime premium pay — $12,500 for single filers and $25,000 for married couples. Qualified overtime premium pay may reduce taxable income, lowering federal income tax, but it does not reduce Social Security or Medicare tax.
What is the SALT deduction cap in 2026?
The OBBBA raised the SALT cap to $40,400 for 2026 — and it's the same whether you file single or jointly (married filing separately is half, $20,200), up from the longstanding $10,000. A phase-down begins once income tops $500,000, and the cap reverts after 2029 unless extended.
Can 1099 workers deduct 20% of their income?
Yes. Section 199A allows most self-employed individuals to deduct up to 20% of qualified business income from their taxable income. W-2 employees are not eligible. Our W-2 vs 1099 calculator shows the full after-tax difference.
What is the 401k contribution limit for 2026?
The 2026 401k employee contribution limit is $24,500 (up from $23,500). Workers aged 50–59 and 64+ get a $8,000 catch-up, and workers aged 60–63 qualify for a $11,250 SECURE 2.0 super catch-up — for a total of $35,750.
Is TaxSaveIQ free to use?
Yes — everything on TaxSaveIQ is 100% free. All calculators, AI explanations, PDF downloads, and CPA export summaries are free with no account, no credit card, and no bank connection needed. Every calculation runs entirely in your browser, and we never store your financial data.
Your 2026 tax plan starts here
Check your 2026 Tax IQ score.
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No account. No credit card. No bank password. Just your tax picture — free, private, and built on 2026 IRS data.
For educational purposes only · Not tax advice · Consult a qualified tax professional