Complete library of CPA-reviewed 2026 tax guides. From OBBBA changes to state tax rates to take-home pay calculations — every question answered with real numbers and IRS-verified sources.
The One Big Beautiful Bill Act (OBBBA) rewrote major parts of the 2026 tax code. These guides cover every OBBBA change that affects your paycheck, deductions, and refund.
For 2026, the federal standard deduction is $16,100 for single filers, $32,200 for married filing jointly, and $24,150 f...
Read guide → HIGHFor 2026, the State and Local Tax (SALT) deduction cap is $40,400 — a 4x increase from the $10,000 cap that existed from...
Read guide → HIGHTips are not fully tax-free in 2026, but the OBBBA created a new deduction that lets qualifying workers deduct up to $25...
Read guide → HIGHUnder the OBBBA, qualifying workers can deduct the 'premium' portion of overtime pay — the extra 0.5x above regular pay ...
Read guide → HIGHA Trump Account is a new tax-advantaged savings account for children created by the OBBBA, launching July 4, 2026. Every...
Read guide → MEDIUMThe enhanced ACA premium tax credit expired December 31, 2025. For 2026 coverage, households earning above 400% of the f...
Read guide → MEDIUMThe One Big Beautiful Bill Act (OBBBA), signed July 2025, made permanent the TCJA individual tax cuts that were schedule...
Read guide → MEDIUMThe OBBBA created a new above-the-line deduction for interest paid on qualifying US-assembled vehicle loans, up to $10,0...
Read guide → MEDIUMThe OBBBA created a new $6,000 senior bonus deduction available to taxpayers age 65 or older for tax years 2025-2028. Th...
Read guide → LOWFor 2026, major tax changes include: higher standard deduction ($16,100/$32,200), higher 401(k) limit ($24,500), new SAL...
Read guide →The IRS raised 2026 limits for 401(k), IRA, HSA, and other retirement accounts. See exactly how much you can contribute and how to maximize each account.
The 2026 401(k) contribution limit is $24,500, up from $23,500 in 2025. Employees age 50 and older can make an additiona...
Read guide → HIGHThe 2026 IRA contribution limit is $7,500, up from $7,000 in 2025. This applies to both Traditional and Roth IRAs combin...
Read guide → MEDIUMThe 2026 HSA contribution limits are $4,400 for individual coverage and $8,750 for family coverage under a high-deductib...
Read guide → MEDIUMThe 2026 SEP IRA contribution limit is the lesser of 25% of your net self-employment earnings or $70,000. For self-emplo...
Read guide → MEDIUMFor 2026, Roth IRA eligibility phases out between $161,000-$176,000 MAGI for single filers and $242,000-$262,000 for mar...
Read guide → LOWThe 2026 SIMPLE IRA contribution limit is $17,600 for employees under 50 and $21,150 with the $3,550 catch-up for those ...
Read guide → LOWFor 2026, the 401(k) catch-up contribution for employees age 50 and older is $7,500, bringing the total limit to $32,000...
Read guide → MEDIUMYes, you can contribute the full $24,500 to a 401(k) AND the full $7,500 to an IRA in 2026 — the limits are separate. To...
Read guide →Real 2026 take-home pay calculations for specific salary levels across California, Texas, New York, Ohio, and more. See the actual dollar amount you'll bring home.
For a single filer earning $80,000 in California for 2026, take-home pay is approximately $57,500 annually, or $2,212 pe...
Read guide → HIGHFor a single filer earning $100,000 in Texas for 2026, take-home pay is approximately $78,500 annually, or $3,019 per bi...
Read guide → HIGHFor a single filer earning $150,000 in New York City for 2026, take-home pay is approximately $101,000 annually, or $3,8...
Read guide → MEDIUMA single filer earning $75,000 in Florida for 2026 takes home approximately $59,200 per year, or $2,278 bi-weekly. Flori...
Read guide → MEDIUMA single filer earning $60,000 in Illinois for 2026 takes home approximately $46,050 annually, or $1,771 bi-weekly. Illi...
Read guide → MEDIUMA single filer earning $200,000 in California for 2026 takes home approximately $131,600 annually, or $5,062 bi-weekly. ...
Read guide → MEDIUMA single filer earning $50,000 in Ohio for 2026 takes home approximately $40,720 annually (outside city limits), or $1,5...
Read guide → LOWA single filer earning $90,000 in Pennsylvania for 2026 takes home approximately $69,500 per year, or $5,790 per month. ...
Read guide →Ohio's new flat tax, Georgia's HB 463 acceleration, NC's rate cut — every 2026 state tax change explained with real numbers.
For 2026, Ohio has a flat 2.75% income tax rate on all nonbusiness income above $26,050. Income at or below $26,050 is t...
Read guide → HIGHFor 2026, North Carolina's flat income tax rate is 3.99%, down from 4.25% in 2025. This continues a phased reduction tha...
Read guide → HIGHFor a single filer earning $70,000 in Georgia for 2026, the state income tax is approximately $2,745. This is calculated...
Read guide → MEDIUMFor 2026, California SDI (State Disability Insurance) is 1.2% of all wages, with no wage cap. This means high earners pa...
Read guide → HIGHFor 2026, NYC has 4 progressive income tax brackets ranging from 3.078% to 3.876% for residents. This is in ADDITION to ...
Read guide → MEDIUMFor 2026, Yonkers residents pay a surcharge equal to 16.75% of their New York State income tax liability. For example, i...
Read guide → MEDIUMNo, Florida does not have a state income tax in 2026. Florida is one of nine US states with zero personal income tax, pr...
Read guide → MEDIUMNo, Texas does not have a state income tax in 2026. Texas is one of nine US states without personal income tax, protecte...
Read guide → MEDIUMPennsylvania's local Earned Income Tax (EIT) rates range from 0.5% to 3.75% depending on municipality. Philadelphia has ...
Read guide → LOWFor 2026, the Illinois personal exemption is $2,775 per taxpayer and dependent, but it phases out for higher earners. Si...
Read guide →The new Texas $140K homestead exemption, NY STAR eligibility, CA Prop 13 rules — everything homeowners need to know for 2026.
Your 2026 property tax equals: assessed value × total millage rate, minus any exemptions. To estimate: multiply your hom...
Read guide → HIGHThe new $140,000 Texas homestead exemption (enacted under SB 4 / Prop 13 in November 2025) reduces the taxable value of ...
Read guide → MEDIUMTo qualify for the Basic STAR exemption in New York for 2026, you must own and occupy the home as your primary residence...
Read guide → MEDIUMProposition 13, passed in 1978, caps California property tax at 1% of assessed value, with assessment increases limited ...
Read guide → LOWProperty tax assessment in 2026 depends on your state's system. Most states use market value assessment: the county asse...
Read guide →Quarterly estimated tax deadlines, self-employment tax rates, safe harbor rules — the complete 2026 guide for freelancers, 1099 workers, and small business owners.
You must pay quarterly estimated taxes in 2026 if you expect to owe $1,000 or more in federal tax after subtracting with...
Read guide → HIGHThe 2026 self-employment tax rate is 15.3% on your net self-employment earnings, applied to 92.35% of your net income. T...
Read guide → MEDIUMThe IRS 2026 quarterly estimated tax payment deadlines are: Q1 (Jan-Mar) due April 15, 2026; Q2 (Apr-May) due June 15, 2...
Read guide → MEDIUMAs a freelancer in 2026, save 25-30% of every payment for taxes. Breakdown: ~15% for self-employment tax (15.3% of 92.35...
Read guide → MEDIUMThe IRS safe harbor rule protects you from underpayment penalties even if you owe more at filing time. You qualify if yo...
Read guide →Foundational tax concepts explained clearly: standard vs itemized, AGI vs MAGI vs taxable income, filing deadlines, and additional Medicare tax.
For 2026, take the standard deduction if your itemized deductions total less than $16,100 (single) or $32,200 (MFJ). Ite...
Read guide → MEDIUMAGI (Adjusted Gross Income) is your total income minus above-the-line deductions (401k, HSA, half of SE tax, student loa...
Read guide → MEDIUMFor 2026, the Additional Medicare Tax is 0.9% on wages and self-employment income over $200,000 (single) or $250,000 (ma...
Read guide → MEDIUMFederal tax returns for tax year 2026 are due April 15, 2027. You can file an extension to October 15, 2027, but any tax...
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