Big Beautiful Bill Tax Calculator
Calculate your tax impact under the proposed 2025 tax legislation
Calculate Your Tax Impact
Your Tax Comparison
See how different scenarios affect your taxes
Calculate Your Tax Impact Under the Big Beautiful Bill
See exactly how the One Big Beautiful Bill Act affects your taxes in 2025
Please Note: Since the Big Beautiful Bill Act just went into effect, our calculator is still being refined and updated. We're working hard to ensure accuracy, but there may be some bugs or calculation errors as we continue to improve the tool. We appreciate your patience and understanding as we work to make this the most reliable tax calculator available.
The Big Beautiful Bill represents one of the most significant tax policy changes in recent American history. Whether you're a working family, small business owner, or planning for retirement, this legislation will directly impact your finances.
Our calculator helps you understand exactly what these changes mean for your wallet.
What is the Big Beautiful Bill?
The One Big Beautiful Bill Act is comprehensive 2025 tax legislation that:
- Makes TCJA tax cuts permanent - Prevents tax increases scheduled for 2026
- Eliminates taxes on tips - Up to $25,000 for singles, $50,000 for married couples
- Eliminates taxes on overtime - Up to $12,500 for singles, $25,000 for married couples
- Increases SALT deduction cap - From $10,000 to $40,000 through 2030
- Enhances Child Tax Credit - Permanently increases to $2,200 per child
- Adds senior tax benefits - $6,000 additional deduction for seniors under $75K income
How Much Will You Save or Pay?
Use our calculator above to see your personalized tax impact across three scenarios:
Scenario 1: If Big Beautiful Bill Passes
See your taxes under the new legislation with all benefits included.
Scenario 2: Current Tax Law (TCJA)
Your taxes under today's tax code (expires 2025).
Scenario 3: If Tax Cuts Expire
What you'd pay if current tax cuts sunset as scheduled.
Who Benefits Most?
Tipped Workers
Restaurant servers, bartenders, hairstylists, and other tipped workers can exclude thousands in tip income from federal taxes.
Overtime Workers
Manufacturing, healthcare, and service workers earning overtime pay get significant tax relief on premium pay.
High-Tax State Residents
Families in California, New York, New Jersey, and other high-tax states benefit from increased SALT deductions.
Parents
All families with children receive enhanced Child Tax Credits worth hundreds more per child.
Seniors
Americans 65+ earning under $75K get additional $6,000 tax deductions.
Tax Impact by Income Level
| Income Level | Typical Annual Savings |
|---|---|
| $30,000 - $50,000 | $800 - $1,500 |
| $50,000 - $75,000 | $1,200 - $2,200 |
| $75,000 - $100,000 | $1,800 - $3,200 |
| $100,000 - $150,000 | $2,500 - $4,500 |
| $150,000+ | Varies by deductions |
Savings estimates include Child Tax Credit increases and assume some overtime/tip income where applicable.
Calculator Features
✅ Accurate 2025 tax brackets - Uses official OBBBA rates
✅ All filing statuses - Single, Married, Head of Household
✅ State-specific calculations - Includes your state and local taxes
✅ Tips and overtime modeling - See tax-free income benefits
✅ SALT deduction optimization - Compares standard vs. itemized
✅ Three-scenario comparison - Side-by-side results
Frequently Asked Questions
When do these tax changes take effect?
The Big Beautiful Bill provisions are designed for the 2025 tax year, with some benefits extending through 2030.
Are there income limits on the benefits?
Yes, many benefits phase out for high earners:
- Tips/overtime deductions: Phase out starting at $150K (single) / $300K (married)
- Senior deductions: Phase out starting at $75K (single) / $150K (married)
How accurate is this calculator?
Our calculator uses the actual tax brackets and provisions from the Big Beautiful Bill Act. Results are estimates - your actual taxes may vary based on your complete financial situation.
What about state taxes?
The calculator includes estimated state tax impacts based on your location, as state taxes affect your total tax burden and SALT deduction benefits.
Should I consult a tax professional?
Yes, especially if you have complex finances. This calculator provides estimates to help you understand the legislation's impact, but professional advice is recommended for tax planning decisions.
About This Calculator
This tax calculator is an educational tool designed to help Americans understand how the One Big Beautiful Bill Act affects their taxes.
Important: Results are estimates based on current legislative proposals. Tax laws are complex and individual situations vary. Always consult with a qualified tax professional for personalized advice.
Last updated: January 2025