r/PFtools • u/curves911 • Jul 23 '26
[Tool] Free, no-signup calculators for the 2025–2028 OBBBA deductions (tips, overtime, senior, Trump Account, SALT)
I kept seeing the same confusion about the new One Big Beautiful Bill deductions — especially that overtime only deducts the premium half, and that "no tax on tips / SS" is a deduction, not tax-free income — so I built a small set of free calculators, one per deduction, all based on the finalized IRS rules (caps, MAGI phase-outs, the qualifying-occupation list, the sunset after 2028).
No signup, no ads on the calculators, no data collection. Disclosure: they're mine and the site is free.
- No Tax on Overtime (premium-only + phase-out): https://newdeductioncalc.com/no-tax-on-overtime-calculator/
- No Tax on Tips (checks the IRS occupation list): https://newdeductioncalc.com/no-tax-on-tips-calculator/
- Trump Account balance projector: https://newdeductioncalc.com/trump-account-calculator/
- Senior deduction: https://newdeductioncalc.com/senior-deduction-calculator/
- OBBBA overview hub: https://newdeductioncalc.com/obbba-deduction-calculator/
Happy to take feedback on the math or add cases people are running into.
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u/SirMontego Jul 23 '26
For the No Tax on Tips and No Tax on Overtime calculators, Head of Household can also claim the deductions. Under filing status, the option should be "Single or Head of Household."
For the No Tax on Overtime, the first box should be titled "Qualified overtime compensation for the year ($)." "Qualified Overtime Compensation" is the term used by the law (26 USC Section 225), the IRS documents (e.g. Schedule 1-A), and the source of that website (the calculator says "Source: IRS FS-2025-03"). Notice also that the "source" does not contain the term "overtime premium."