2026 tax deduction calculators
The 2025 tax law (OBBBA) created brand-new deductions for car loan interest, overtime pay, and seniors — available 2025 through 2028, even if you take the standard deduction. Check what you qualify for before filing season.
Car Loan Interest Deduction→
Up to $10,000 of interest on a new US-assembled vehicle — includes a free VIN eligibility checker.
Overtime Tax Deduction→
"No tax on overtime" — deduct up to $12,500 ($25,000 joint) of your overtime premium pay.
Senior Deduction (65+)→
The new $6,000 per-person deduction for taxpayers 65 and older, with income phase-out.
Passport Photo Tool→
2×2 inch crop and file-size control — no upload, no face scan, no watermark.
HSA & FSA Limits + Tax Savings→
2026 limits including the Dependent Care FSA jump to $7,500 — its first increase since 1986.
What changed for 2026
The 2025 tax law created three deductions that did not exist before — on car loan interest, overtime premium pay, and being 65 or older — and all three are available even if you take the standard deduction. They run from 2025 through 2028, are claimed on the new Schedule 1-A, and each phases out at higher incomes. None of them are available to taxpayers filing married filing separately.
Separately, benefit limits moved: the HSA ceiling rose to $4,400 self-only and $8,750 for families, and the Dependent Care FSA jumped from $5,000 to $7,500 — its first increase since 1986. If your open enrollment defaulted you to the old $5,000, you have to change that election yourself. Full guide to the new 2026 deductions →
No sign-up, nothing uploaded
Every calculation runs inside your browser — nothing you type is sent to a server. There is no account to create and no paywall. Figures come from IRS publications and are updated when the rules change.
Rules sourced from the IRS (Schedule 1-A, Form 1098-VLI, W-2 Box 12 code TT). All three deductions phase out at higher incomes and are unavailable for married-filing-separately. Estimates only — not tax advice.