The person behind the calculators.
I'm an independent developer, and I build small, fast tools that do one job well. TaxBreakCalc is one of them, a Zovo build. Type in your numbers, see what the 2026 tax break is worth, and read where it came from. No account, no pop-ups, no thousand-word 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 here does one thing, whether that is overtime, tips, the child tax credit, or HSA, and it loads right away.
Underneath, there is one shared engine. Every break is a single pure function. You give it your inputs, and it returns your savings, the qualified amount, the phase-out status, and the citations. Because every calculator returns the same shape, the result card, the sources, and the plain-English disclaimers are built once and reused. That reuse is the only reason a one-person project can keep eight breaks accurate at once.
The math is unit-tested at the boundaries. The cap, the start and end of the income phase-out, single versus married filing jointly, and the $0 edge case all get checked, so the math is verified before each publish, not 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 and is pending a CPA sign-off, which is labeled plainly on those pages. I'd rather tell you that than pretend.
So if a figure looks off, or you want a break added, or a calculator would save you a step, send it over. Sourced fixes usually ship the same week. The bigger ideas go on a list I actually work through. A message to a one-person project 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.
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.
[email protected]Try 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. TaxBreakCalc is a Zovo build, the same person and the same calculator engine behind the tools on zovo.one, ported to one focused job. That job is showing you what a 2026 tax break is actually worth on your numbers. No team to route your email through, and no outsourced math.
Is it really free?
Yes. Every calculator here is free and stays free. There is no paywall on the math and there never will be. If you want to back the work or get the whole Zovo toolkit, there is a one-time Pro option and a lifetime option on zovo.one. 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, pure calculation engine. Each tax break is a single pure function. Inputs in, a structured result out, so the same tested math runs whether you are on the overtime, tips, HSA, or child tax credit calculator. It is unit-tested at the caps and phase-out boundaries before every publish.
Is this tax advice?
No. TaxBreakCalc produces estimates to help you understand a break and decide whether to look closer. It is not tax advice and not a substitute for a CPA or filing software. Confirm your actual 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, the QBI deduction, HSAs, and education credits are permanent or evergreen. Those are the durable core of the suite.
Spotted a wrong figure or have a correction? Email [email protected] and sourced errors get fixed fast.