Compare your 2025 taxes before and after the One Big Beautiful Bill Act. Every number sourced directly from the IRS.
For most W-2 employees, MAGI ≈ total gross income. Includes wages, business income, investments, Social Security, etc. before deductions.
Qualifies for additional standard deduction + OBBBA $6,000 senior bonus
OBBBA increased the Child Tax Credit from $2,000 to $2,200 per child
These deductions are new under the One Big Beautiful Bill Act. Open only the sections that apply to you.
Enter your income to see
your OBBBA savings
This is an estimate. Actual tax liability depends on your complete tax situation including itemized deductions, AMT, self-employment tax, state taxes, and other factors not modeled here.
MAGI note: OBBBA phaseouts use Modified Adjusted Gross Income (MAGI), which equals AGI plus certain excluded income (e.g., foreign earned income under IRC §§911, 931, 933). For most W-2 employees, MAGI closely approximates total gross income. Self-employed and international filers should consult a tax professional for precise MAGI calculations.
All figures use IRS-published 2025 rates and OBBBA provisions (Public Law 119-21, Rev. Proc. 2024-40, Rev. Proc. 2025-32, IRS FS-2025-03). Phaseout rates confirmed by H&R Block, Tax Foundation, Bipartisan Policy Center, and multiple CPA/law firms reading the statute text. The Child Tax Credit may be partially refundable (up to $1,700 per child). This calculator computes federal income tax only.
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Start Free Tax ReviewThe calculator above covers standard OBBBA provisions. Real estate investors may qualify for significantly more — but these require professional analysis.
OBBBA restored full first-year depreciation for qualifying property (was 40% pre-OBBBA). Apply via cost segregation study.
Restored by OBBBAReclassify building components into shorter depreciation schedules (5, 7, 15-year). Requires engineering analysis of your specific property.
Professional AnalysisOBBBA increased the cap to $2.5M for qualifying property improvements including HVAC, roofing, and fire protection.
Cap: $2.5MDeduct rental losses against other income if you qualify as a Real Estate Professional (750+ hours/year) or meet active participation rules.
Income-DependentOBBBA made the 20% Qualified Business Income deduction permanent for pass-through entities and qualifying rental activities.
Made PermanentOBBBA raised the state & local tax deduction cap from $10,000 to $40,000 for itemizers. Phases out above $500K MAGI.
Raised by OBBBAEvery property is different. A personalized analysis can uncover thousands in additional savings.
Get Your Personalized Tax AnalysisSigned into law July 4, 2025. These changes affect your 2025 return.