Every OBBB Tax Write-Off Explained
Your complete guide to all OBBB deductions. Find out what you can claim and how much you can save.
OBBB Individual Deductions List
Overtime Deduction
$12,500 (single) or $25,000 (married) cap.
Tips Deduction
Up to $25,000 for tipped employees.
Car Loan Interest Deduction
Deduct interest on car loans up to $10,000.
Senior Deduction
Additional $6,000 deduction for those 65 and older.
SALT Cap Increase
State and Local Tax deduction cap raised to $40,000.
Child Tax Credit
Credit increased to $2,200 per child.
Pass-through Business Deduction
The 20% QBI deduction is now permanent.
Gig Worker Deductions
Special deductions for freelancers and 1099 contractors.
Content Creator Deductions
Tax write-offs for YouTubers, streamers, and influencers.
2026 Tax Changes
All the new tax law changes taking effect in 2026.
Deduction Comparison Table
| Deduction | Max Amount | Key Eligibility |
|---|---|---|
| Overtime | $12,500 / $25,000 | FLSA-covered employees with overtime pay. |
| Tips | $25,000 | Employees who receive tips. |
| Car Loan Interest | $10,000 | Interest on a loan for a primary vehicle. |
| Senior | $6,000 | Age 65 or older by Dec 31. |
| SALT Cap | $40,000 | Taxpayers who itemize deductions. |
| Child Tax Credit | $2,200 per child | Parents with qualifying children. |
| Pass-through | 20% of QBI | Owners of sole proprietorships, partnerships, S-corps. |
Eligibility Checklist
Worked Overtime?
If you are an hourly employee who worked more than 40 hours a week, you may be eligible for the Overtime Deduction.
Earned Tips?
Service industry workers who receive tips can benefit from a generous Tips Deduction.
Have a Car Loan?
If you are paying off a loan for your primary vehicle, the interest might be deductible.
Are You Over 65?
Seniors get an extra standard deduction to reduce their taxable income.
Pay High State/Local Taxes?
The increased SALT cap to $40,000 helps homeowners and high-earners in high-tax states.
Have Children?
The Child Tax Credit has been increased, providing more relief for families.
Own a Small Business?
The 20% Qualified Business Income (QBI) deduction for pass-through entities is now permanent.
Frequently Asked Questions
Which OBBB deduction is the most valuable?
The value of each deduction depends on your personal circumstances. For many, the permanent Pass-through Business Deduction or the increased SALT Cap of $40,000 will offer the most significant savings. High-income earners with overtime may benefit most from the Overtime or Tips deductions.
Can I claim more than one OBBB deduction?
Yes, absolutely. You can claim any and all OBBB deductions for which you are eligible. They are not mutually exclusive. Use our Eligibility Checklist to see which ones you might qualify for.
Are these deductions available in all states?
These are federal tax deductions established by the OBBB Act. While they apply to your federal income tax return, their impact on your state taxes can vary. Some states automatically conform to federal tax law, while others may decouple from specific provisions. Always check your state's tax regulations.
Tools & Guides
SE Tax Calculator
Calculate your self-employment tax and deductible half.
Home Office Calculator
Simplified vs. regular method — see which saves more.
Vehicle Deduction Calculator
Standard mileage vs. actual expenses compared.
Quarterly Tax Estimator
Calculate your estimated quarterly tax payments.
W-2 Box 14 Guide
Understanding overtime codes on your W-2.
TurboTax Comparison
How our calculator stacks up vs. the big names.
Military Overtime Guide
Tax rules for service members working extra duties.
Remote Worker Overtime
Home office rules when working overtime.
Union Overtime Rights
Understand your rights under union contracts.
Overtime Tax Myths
Debunking common myths about overtime pay.
Calculate Your Total Savings
Use our main calculator to see how these OBBB deductions stack up for your tax situation.
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