The person behind the calculators.
I'm an independent developer building small, fast tools that do one job well. TaxBreakCalc is one of them. Type your numbers in, see what a 2026 break is worth, and read where it came from. No account, no pop-ups, no essay before the calculator loads.
Verified 2026-06-22 against IRS, Tax Foundation, and CRS.
Solo, full time, and sourced to the IRS rather than an ad network.
One job per tool, done fast
Most tax sites bury a simple calculator under three ad slots and a wall of text. I go the other way. Each tool does one thing, and it loads right away.
Underneath sits one shared engine. Every break is a single pure function. Feed it your inputs and it hands back your savings, the qualified amount, the phase-out status and the citations.
Because every calculator returns that same shape, the result card, the sources and the disclaimers get built once and reused. That reuse is the only reason one person can keep eight breaks accurate at once.
The math is unit-tested at the boundaries. The cap, both ends of the phase-out, single versus joint, and the $0 edge case all get checked before each publish rather than eyeballed. On a money topic the accuracy is the product.
What this is
A free, fast way to see what a tax break is worth for your numbers, the part an AI answer box can't calculate. Sourced, date-stamped, and honest about caps, phase-outs, and the 2028 sunsets.
What this is not
Not tax advice. Not a substitute for a CPA or filing software. Not legal guidance. Every page says so. Use it to understand the break, then confirm on your actual return.
What's solid, and what's still pending
The HSA and child tax credit calculators run on published IRS limits and standard statutory mechanics. Those numbers are about as settled as tax gets.
The overtime and tips math uses the statutory definition of qualified compensation. It's pending a CPA sign-off, labelled plainly on those pages. I'd rather say so than pretend.
If a figure looks off, or you want a break added, send it over. Sourced fixes usually ship the same week. Bigger ideas go on a list I actually work through. A message here gets read by the person who can change the code.
Figures were verified 2026-06-22 and get re-checked weekly. A stale date blocks the publish. Sources on every page are IRS guidance, the OBBBA statute (P.L. 119-21), the Congressional Research Service, and the Tax Foundation.
Keep the tools free, or get all of them
Every calculator here is free and stays free. There's no paywall on the math, and there never will be. Two options if you want more than that, both one-time, and neither a subscription.
Back the tools for $4.99
A small thank-you for the work. It covers the server bill, pushes your requests up the list, gets you new tools before they go public, and keeps the whole site free of ads.
- Your feature requests near the top of the queue
- Early access to calculators still in testing
- No subscription, nothing to cancel
Every tool I build, for good. $99 once
One payment for the whole toolkit. The lifetime membership on zovo.one covers TaxBreakCalc and everything else I make, now and the ones I haven't shipped yet, with no monthly fee and no per-tool charge.
- Lifetime access to every tool on zovo.one
- The zovo.one Chrome extension and BeLikeNative, included
- Your requests jump the queue, one payment, kept for good
The calculators
- No Tax on Overtime. See how much federal income tax you save on your overtime pay.
- No Tax on Tips. Up to $25,000 of qualified tips, deducted from your income.
- Child Tax Credit. $2,200 per qualifying child, permanent and inflation-indexed.
- HSA Contribution. 2026 limits: $4,400 self / $8,750 family.
- Student Loan Interest. Up to $2,500 of interest, phasing out from $85,000 of modified AGI.
- Car-Loan Interest. Up to $10,000 on a new, US-assembled vehicle, cut in $200 steps above $100,000.
More breaks from the directory are in testing, including the SALT cap, QBI for the self-employed, the senior deduction, and car-loan interest. They ship as the math clears review.
Tools, code, and a real inbox
zovo.one
The full toolkit, the membership, and lifetime access in one place. TaxBreakCalc is one build in it.
Visit zovo.oneA wrong figure, a break to add, or a question before you buy. A real person, me, writes back.
hello@taxbreakcalc.comTry the tools first
The best way to decide if any of this is worth it is to use the thing. Start with the overtime calculator, then come back if you want the rest.
Open the overtime calculatorWho builds TaxBreakCalc?
One independent developer, full time. It’s a Zovo build, running the same calculator engine as the tools on zovo.one, pointed at a single job. That job is showing what a 2026 break is worth on your numbers. No outsourced math.
Is it really free?
Yes, and it stays free. There’s no paywall on the math and there never will be. If you want to back the work, zovo.one has a one-time Pro option and a lifetime option. Neither is a subscription.
Where do your numbers come from?
Every dollar figure is sourced to the IRS (FS-2025-03, FS-2026-01, IR-2025-103, IR-2026-49, Rev. Proc. 2025-19/32), the OBBBA statute (P.L. 119-21), the Congressional Research Service, and the Tax Foundation. Each page lists its sources and the date its figures were verified.
How is the math done?
One shared calculation engine. Each break is a single pure function, inputs in and a structured result out, so the same tested math runs on every calculator here. It’s unit-tested at the caps and phase-out boundaries before every publish.
Is this tax advice?
No. These are estimates, meant to help you understand a break and decide whether to look closer. Not a substitute for a CPA or filing software. Confirm the real numbers on your return.
Which breaks last beyond 2028?
The OBBBA deductions (overtime, tips, senior, car-loan) sunset after 2028, and the enhanced SALT cap reverts in 2030. The Child Tax Credit, QBI, HSAs and education credits are permanent or evergreen. That’s the durable core.
Spotted a wrong figure or have a correction? Email hello@taxbreakcalc.com and sourced errors get fixed fast.