TaxShift 2026 — Free OBBBA Tax Calculators & Guides

TaxShift 2026 OBBBA Tax Navigator — free federal and state tax calculators

TL;DR — what you'll find on TaxShift 2026

Here's the short version. You probably landed on this page because you heard about the One Big Beautiful Bill Act (OBBBA) and you want to know what it means for your own tax bill in 2026. Good news: you're in the right place, and everything here is free. You'll find eleven federal calculators, fifty-one state calculators (every state plus DC), and eighteen guides written in plain English. No sign-up. No email. No catches. Your numbers never leave your browser.

If you work for tips, you'll want the Tips Deduction calculator (up to $25,000 off your taxable income). If you pull overtime, try the Overtime Deduction calculator ($12,500 if you're single, $25,000 if you file jointly). If you're 65 or older, the brand-new $6,000 Senior Deduction is yours to claim. If you bought a new American-assembled car, you can deduct up to $10,000 of loan interest. High-tax-state homeowners? The SALT cap just jumped from $10,000 to $40,000 — huge.

How to use TaxShift in under two minutes

Start with the calculator closest to your situation. Pick your filing status (single, married filing jointly, head of household). Type in your gross annual income — a rough estimate is fine. Hit Calculate. You'll see a side-by-side comparison of 2025 vs 2026 so you can see exactly how much OBBBA shifts your bill. Scroll down to the "Understanding your results" section for the plain-English explanation of what your numbers mean and what to do next. That's it.

Why should you trust these numbers?

Fair question. Every figure on the site comes straight from IRS Revenue Procedures, the OBBBA statute itself (Public Law 119-21), the Joint Committee on Taxation's explanatory "blue book," and Treasury guidance Notices published in 2025 and 2026. For state calculators, we reconcile against each state Department of Revenue and the Tax Foundation's conformity tracker annually. If a figure ever looks off, tell us — our contact form goes straight to editorial.

Who is TaxShift 2026 for?

Mostly everyday Americans trying to figure out their 2026 taxes. If you're a W-2 employee curious about the new tips and overtime deductions, you're our target reader. If you're a retiree or nearing 65 and want to see how the new senior deduction stacks with Social Security, yes — this is for you. Self-employed, gig worker, or small business owner? The permanent 20% QBI deduction is a game-changer and we've built a calculator for it. High earner in a high-tax state? The raised $40,000 SALT cap and its $500,000 MAGI phase-out are easy to model here. Planning an estate? The permanent $15 million exemption is covered too. We're not filing your taxes for you and we're not licensed tax advisors — think of us as an educational first stop before you call your CPA.

What changed under OBBBA for 2026

The One Big Beautiful Bill Act extended the most popular Tax Cuts and Jobs Act provisions permanently and added several brand-new deductions for 2025 through 2028. The seven-bracket federal income tax structure (10%, 12%, 22%, 24%, 32%, 35%, and 37%) is now permanent, with an additional inflation bump applied to the 10% and 12% brackets in 2026. The near-doubled standard deduction is also permanent — $16,100 for single filers, $24,150 for heads of household, and $32,200 for married couples filing jointly in 2026. Personal exemptions remain at zero. The Child Tax Credit was raised to $2,200 per qualifying child under 17 with $1,700 of that amount refundable. The 20% Qualified Business Income deduction under Section 199A — the cornerstone of pass-through business tax planning — is now permanent rather than expiring at the end of 2025. The estate and gift tax unified exemption rose to $15 million per person ($30 million per married couple), also permanent. Bonus depreciation returned to 100% for qualifying business assets, and Section 179 expensing was raised to $2.5 million.

Brand-new OBBBA deductions (2025–2028)

Four temporary above-the-line deductions are unique to OBBBA. The "No Tax on Tips" deduction lets qualified tipped workers deduct up to $25,000 of reported tip income from their adjusted gross income, with phase-outs beginning at $150,000 MAGI for single filers and $300,000 for joint filers. The "No Tax on Overtime" deduction allows non-exempt workers to deduct up to $12,500 (single) or $25,000 (married joint) of FLSA overtime premium pay, with the same income-based phase-outs. The "Senior $6,000 Deduction" gives each taxpayer aged 65 or older an additional $6,000 above-the-line deduction, stacking on top of the existing age-65 enhancement to the standard deduction; the phase-out begins at $75,000 MAGI for singles and $150,000 for joint filers. The Auto-Loan Interest deduction allows up to $10,000 per year of interest deduction on loans used to purchase qualifying new vehicles assembled in the United States, with phase-outs starting at $100,000 MAGI for singles. All four temporary deductions sunset on December 31, 2028 unless Congress extends them.

State income tax interaction

Federal tax is only half the story. Your total 2026 tax bill depends heavily on which state you live in and how that state treats OBBBA's federal changes. Nine states levy no income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Eleven states use a flat rate ranging from 2.5% (Arizona) to 5.8% (Idaho). The remaining thirty-one states plus DC use progressive bracket structures with top marginal rates as high as 13.3% in California and 10.75% in New Jersey. State conformity to OBBBA also varies dramatically — California, Minnesota, and Wisconsin do not conform to several federal OBBBA provisions, while most other states fully conform. TaxShift provides combined federal-and-state calculators for every jurisdiction so you can see your true effective tax rate and take-home pay in one place.

Who TaxShift 2026 is for

TaxShift 2026 serves W-2 employees curious about the new tip and overtime deductions, retirees and pre-retirees evaluating the new $6,000 senior benefit, gig workers and small business owners wanting to see how the permanent QBI deduction affects their bottom line, high earners in high-tax states tracking the $40,000 SALT cap phase-out at $500,000+ MAGI, families comparing the permanent $2,200 Child Tax Credit to prior-year amounts, investors planning capital gains harvesting around the 0%/15%/20% LTCG brackets, and high-net-worth families preparing estate plans under the permanent $15 million exemption. Our content is editorial, educational, and free — we do not file taxes for you, do not give one-on-one tax advice, and we are not affiliated with the IRS or any government agency. Always consult a licensed tax professional for advice specific to your situation.

Why TaxShift is different

Most online tax calculators are either oversimplified marketing tools (one input, one output, no transparency about the math) or paywalled enterprise products. TaxShift is the opposite: every calculator shows the full year-over-year comparison (2025 vs 2026), a Recharts visualization of where your money goes, an "Understanding your results" guide written in plain English, a glossary of terms used, and clear next-step recommendations. Each calculator also includes a "How to use this calculator" section with four tailored steps so first-time users never get stuck. Inline calculator buttons in our blog posts let readers jump directly from a relevant article into the calculator that models their situation. Optional in-browser PDF reports can be generated and downloaded without uploading any data. The site is fully mobile-responsive, GDPR-compliant for European visitors, and follows WCAG accessibility guidelines.

How we keep figures accurate

Every dollar threshold and percentage in our calculators is sourced directly from IRS Revenue Procedures, the OBBBA statute (Public Law 119-21), the Joint Committee on Taxation's "blue book" explanation, and Treasury Department guidance Notices issued in 2025 and 2026. Our state tax brackets are reconciled annually against each state Department of Revenue's published figures and the Tax Foundation's State Tax Conformity tracker. We update figures whenever new IRS or state guidance is published and disclose all limitations of our estimates. Because tax law is complex and individual situations vary, our results are presented as estimates only, not as legal, accounting, or financial advice.

Federal calculators

TaxShift 2026 federal tax calculator suite — 11 OBBBA-aware calculators covering tax brackets, standard deduction, Child Tax Credit, capital gains, SALT cap, QBI, estate tax, No Tax on Tips, No Tax on Overtime, Senior $6,000 deduction, and Auto Loan Interest deduction.

State calculators

TaxShift 2026 state calculators — 51 state-specific combined federal and state tax calculators covering every US state and the District of Columbia, with state-level conformity notes for OBBBA provisions.

All 50 states plus DC — combined federal & state 2026 calculators with conformity notes for each jurisdiction.

Direct links to all 51 state calculators

OBBBA guides

TaxShift 2026 OBBBA editorial guides — 18 plain-English long-form articles explaining each provision of Public Law 119-21, the One Big Beautiful Bill Act, with source citations and practical tax planning tips.

All eighteen plain-English OBBBA guides covering brackets, deductions, credits, business provisions, estate planning, and 1099 reporting changes for 2026.

Direct links to all 18 OBBBA guides

Frequently Asked Questions

What is OBBBA and when did it take effect?

The One Big Beautiful Bill Act (OBBBA), Public Law 119-21, was signed into law on July 4, 2025. Most provisions apply starting tax year 2025, with further changes and inflation adjustments taking effect in 2026. It permanently extended most Tax Cuts and Jobs Act provisions and created several brand-new deductions: No Tax on Tips, No Tax on Overtime, the Senior $6,000 Deduction, and the Auto Loan Interest deduction.

Are my taxes going up or down in 2026?

For most households, slightly down. The standard deduction rises to $16,100 single / $32,200 married joint for 2026, tax brackets widen with OBBBA's extra inflation bump on the 10% and 12% brackets, the Child Tax Credit is permanently at $2,200 (with $1,700 refundable), the SALT cap rises from $10,000 to $40,000, and new above-the-line deductions become available for tipped workers, overtime workers, and seniors. High earners above $500,000 MAGI face SALT cap phase-outs.

Who qualifies for No Tax on Tips under OBBBA?

Workers in occupations on the IRS list of customarily-and-regularly-tipped occupations — hospitality (servers, bartenders, bellhops), personal services (hair stylists, nail technicians), ride-share and delivery drivers, and similar roles. The deduction is up to $25,000 of reported tip income, phased out above $150,000 MAGI for single filers and $300,000 for married filing jointly. Tips are still subject to payroll (FICA) taxes — only federal income tax is deducted under this new provision.

Who qualifies for the $6,000 Senior Deduction?

Any taxpayer aged 65 or older by December 31 of the tax year qualifies. Phase-out begins at $75,000 MAGI single / $150,000 joint, fully phased out near $175,000 single / $250,000 joint. This deduction stacks on top of the existing age-65 additional standard deduction. Available for tax years 2025 through 2028 only.

How much is the Child Tax Credit for 2026?

The 2026 Child Tax Credit is $2,200 per qualifying child under age 17, with $1,700 refundable. OBBBA made this amount permanent and inflation-indexed for future years. Phase-out begins at $200,000 MAGI single / $400,000 married joint, reducing by $50 per $1,000 of income above the threshold.

What is the 2026 SALT cap and phase-out?

OBBBA raised the State And Local Tax (SALT) deduction cap from $10,000 to $40,000 for 2025, with small annual increases through 2029. A phase-out begins at $500,000 MAGI, reducing the cap by approximately 30% of the excess, with a floor of $10,000. In 2030 the cap reverts to $10,000 unless Congress extends the provision.

What are the 2026 federal income tax brackets?

For single filers in 2026: 10% up to $12,150, 12% up to $49,450, 22% up to $105,350, 24% up to $201,050, 32% up to $255,350, 35% up to $638,400, and 37% above $638,400. Married-filing-jointly brackets are approximately double. These are inflation-adjusted IRS figures with OBBBA's additional bump on the 10% and 12% brackets.

Is TaxShift 2026 free?

Yes. All 11 federal calculators, 51 state calculators, and 18 OBBBA guides are completely free — no sign-up, no paywall, no email required. We are funded by Google AdSense display advertising. All calculations run in your browser; no personal financial data is sent to or stored on our servers.

Is TaxShift professional tax advice?

No. TaxShift 2026 provides educational estimates based on published IRS figures and the OBBBA statute. We are not tax preparers or licensed tax professionals. For decisions affecting your personal finances, always consult a CPA, Enrolled Agent, or tax attorney. Our calculations are estimates only and do not account for every factor that may affect your individual tax situation.

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