OBBB Saver
Keep the tax you’re owed on tips and overtime.
The One Big Beautiful Bill added four new federal deductions. OBBB Saver tracks your tips, overtime and car loan interest all year, shows the tax you’re saving, and hands you a Schedule 1-A–ready report at tax time.
No ads. No account. Your data stays on your phone.
Four new deductions, one app
No tax on tips
Deduct up to $25,000 of qualified tips a year. Log cash and card tips per shift; tip-outs are taken out.
No tax on overtime
Deduct the extra half of time-and-a-half, up to $12,500 ($25,000 jointly). Counted per workweek, the way the law does.
Car loan interest
Up to $10,000 of interest on a new, US-assembled car. Check your VIN with NHTSA’s free decoder in the app.
Senior deduction
An extra $6,000 for each person 65 or older, on top of the standard deduction.
No tax on tips and overtime calculator
Same math as the app: Schedule 1-A limits, income phase-outs and 2025–2026 tax brackets. Nothing you type leaves this page.
Estimate only. Doesn’t include credits, other deductions, Social Security, Medicare or state tax. Not tax advice.
Why people switch to OBBB Saver
No ads, ever
Not even on the free plan.
No account
Your log lives on your phone and in its backup. Export anytime.
Tax-time ready
A Schedule 1-A worksheet with every line filled in, plus PDF and CSV.
Plain English
Short guides with links to the IRS sources.
Questions
Is there really no tax on tips?
For 2025 through 2028 you can deduct up to $25,000 of qualified tips from your income before federal income tax is figured, whether you itemize or not. The deduction shrinks above $150,000 of modified AGI ($300,000 jointly). Social Security, Medicare and possibly state taxes still apply.
How much overtime can I deduct?
Only the premium part of overtime that federal law requires: the extra half in time-and-a-half for hours over 40 in a workweek. Up to $12,500 a year, or $25,000 on a joint return.
Which car loans qualify?
A loan taken out after December 31, 2024 for a new car, minivan, van, SUV, pickup or motorcycle under 14,000 pounds, with final assembly in the United States, mainly for personal use and secured by the vehicle. Up to $10,000 of interest a year.
Who gets the $6,000 senior deduction?
Each person 65 or older by December 31. It goes down by 6% of modified AGI over $75,000, or $150,000 filing jointly.
Can married couples filing separately use these?
No. Married couples must file jointly to take any of the four deductions.
Does OBBB Saver file my taxes?
No. It tracks, estimates and prepares a worksheet you or your tax preparer can use. It isn’t tax advice and isn’t affiliated with the IRS.