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SALT Estimator

Estimate the state and local tax deduction under OBBB, including the income phase-out.

Tax year
Filing status
Estimate your total household income for the year. This includes, but is not limited to:

Business income, wages, interest, dividends, capital gains, rental income, social security and retirement benefits.
Includes, but is not limited to:

State income tax, local income tax, city income tax, county income tax, and other state and local taxes.
Includes, but is not limited to:

Property taxes, real estate taxes, and other state and local taxes.
Includes, but is not limited to:

Personal property taxes for vehicles, boats, and other personal property.

2026 uses the OBBB cap of $40,400 ($20,200 MFS), with a 30% phase-out above the income threshold.

Important disclaimers

  • This calculator is provided for informational and educational purposes only and does not constitute tax, legal, accounting, or financial advice.
  • Results are estimates based solely on the information entered and the OBBB SALT cap and phase-out used by the calculator.
  • Actual deductibility depends on whether you itemize, the taxes you paid, and the law in effect for the tax year.

What's Next?

Key Notes

  • You can only deduct SALT actually paid, up to the OBBB cap for the selected year and filing status.
  • High income phases the cap down by 30% of the excess over the threshold, but not below $10,000.
  • This estimate is for planning. Confirm itemizing versus the standard deduction with a qualified tax advisor.

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