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Forecast your projected federal income tax changes under 2026 tax law transitions, the expiration of the Tax Cuts and Jobs Act (TCJA), and proposed One Big Beautiful Bill Act (OBBBA) provisions. Compare marginal bracket expansions, standard deduction adjustments, and SALT cap modifications.
Total Income = W2 + 1099 + CapGains.Taxable Income = AGI - Standard/Itemized Deduction.Tax Delta = New Tax - Prior Tax.+-------------------------------------------------------------+
| 2026 TAX IMPACT COMPARISON |
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[ Gross Income ] ---> [- Deductions & Exemptions] ---> [ Taxable Base ]
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[ TCJA Bracket Structure ] <======== VS ========> [ 2026 Sunset / OBBBA ]
10%, 12%, 22%, 24%, 32%, 35%, 37% 10%, 15%, 25%, 28%, 33%, 35%, 39.6%
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[ NET TAX LIABILITY DELTA & ROI ]Individual provisions of the 2017 Tax Cuts and Jobs Act expire on December 31, 2025. Without legislative intervention, marginal brackets revert to pre-2018 levels (12% becomes 15%, 22% becomes 25%, 24% becomes 28%, 37% becomes 39.6%).
TCJA nearly doubled the standard deduction while eliminating personal exemptions. A sunset would cut the standard deduction roughly in half while reinstating personal exemption deductions adjusted for inflation.
Under TCJA, the itemized deduction for state and local taxes (SALT) is capped at $10,000. If allowed to sunset, the $10,000 cap expires, allowing full uncapped deductions for taxpayers who itemize.
Taxpayers should run mid-year paycheck checks using updated IRS tax withholding estimators to prevent surprise tax bills or underpayment penalties when bracket structures adjust.
Take advantage of lower current 12% and 22% marginal brackets before potential reversion to 15% and 25% by converting pre-tax IRA assets to Roth accounts.
Taxpayers in high-tax states (CA, NY, NJ, IL) should prepare to itemize deductions if the $10,000 state and local tax cap expires.
TCJA expanded the Child Tax Credit to $2,000; sunset provisions revert the credit to $1,000 per qualifying child with lower phaseout thresholds.
Bunch multiple years of charitable contributions into a single tax year using a Donor-Advised Fund (DAF) to exceed standard deduction thresholds.