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OBBBA Deduction Estimator (2025–2028)

Combine the four new One Big Beautiful Bill Act deductions — tips, overtime, car loan interest and the senior deduction — into one estimated total and tax saving.

Updated for tax year 2025Verified against IRS primary sourcesFree · no sign-up

Estimate your combined OBBBA deductions

Source: IRS Schedule 1-A
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Estimated total federal tax savings
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Total deductions: –
Tips deduction–
Overtime deduction–
Car loan interest deduction–
Senior deduction–
Total deductions–

All four new deductions in one place

The One Big Beautiful Bill Act created four new deductions for 2025–2028: tips, overtime, car loan interest, and the senior deduction. Each is claimed on the new Schedule 1-A and is available whether or not you itemize. This estimator applies each deduction's own cap and MAGI phase-out and sums them.

Estimate onlyEach deduction has its own eligibility rules (occupation lists, vehicle requirements, age, filing status). Use the individual calculators for the detail, and confirm eligibility before filing.
How this calculator works

This tool runs each deduction through its own verified formula (tips and overtime cap + $100/$1,000 floor phase-out; car loan $10,000 cap + $200/$1,000 round-up phase-out; senior $6,000/person 6% phase-out), sums the deductions, and multiplies by your marginal bracket for an estimated federal tax saving.

Sources
  1. IRS — Schedule 1-A, additional deductions
  2. IRS — OBBBA deductions overview (FS-2025-03)
Disclaimer. This calculator provides simplified estimates of federal tax only and is not tax, legal, or financial advice. Figures are based on IRS guidance as of July 2026 and may change; some 2026 rules are from proposed regulations. Consult a qualified tax professional for your situation.