5 New OBBB and SECURE Act 2.0 Tax Calculators for 2026

The One Big Beautiful Bill Act (P.L. 119-21, signed July 4, 2025) and SECURE Act 2.0 of 2022 reshaped US retirement and tax planning for 2026. The IRS is still issuing final regulations on several provisions — and most taxpayers don't know whether they'll be hit or helped.

I built 5 free browser-based calculators to model the changes. No signup, no data collection — everything runs locally. Sourced from IRS Pub 590-B, Form 6251, Form 461, IRS Notice 2023-62, and the OBBB statutory text.

1. SECURE Act 2.0 RMD Age Checker

SECURE 2.0 staggered the Required Minimum Distribution start age based on birth year: 73 for those born 1951-1959, 75 for 1960+. Many pre-retirees still think it's 72.

The checker also handles the still-working exception (defer 401(k) RMDs while employed and non-5%-owner), the new Roth 401(k) RMD exemption starting 2024, and the inherited-IRA 10-year rule with annual distributions for owners who died on/after their RBD.

Try it: SECURE Act 2.0 RMD Age Checker

2. Mandatory Roth Catch-Up Calculator 2026

SECURE 2.0 §603 forces high-earner catch-up contributions to be Roth (not pre-tax) starting tax year 2026, after IRS Notice 2023-62 deferred the original 2024 effective date. The test: prior-year FICA wages from the plan sponsor over $145,000 (indexed).

This catches more workers than expected — anyone earning $145K+ from one employer must redirect their $7,500 catch-up (or $11,250 super catch-up for ages 60-63) to Roth. At a 32% marginal rate, that's $2,400 of foregone deduction.

Try it: Mandatory Roth Catch-Up 2026

3. OBBB SALT Cap 2026 State Comparison

OBBB preserved the $10,000 SALT cap for single filers but introduced a phase-up cap reaching as high as $40,000 for joint filers at certain income levels. California, New York, and New Jersey residents lose the most.

The calculator models 10 high-tax states, computes how much you lose at the cap, and explains Pass-Through Entity (PTE) tax workarounds available in 36+ states under IRS Notice 2020-75.

Try it: OBBB SALT Cap 2026 Calculator

4. OBBB AMT Exemption Calculator 2026

OBBB made the TCJA-era higher AMT exemption permanent — 2026 estimates: $88,100 single / $137,000 MFJ, phase-out at $626,350 / $1,252,700. The 26%/28% rate structure remains.

Useful for anyone exercising ISOs across year-end, holding private activity bonds, or making large state tax + property tax prepayments. Also computes Minimum Tax Credit recovery on Form 8801.

Try it: OBBB AMT Exemption 2026

5. Excess Business Loss §461(l) Calculator 2026

OBBB made §461(l) permanent — previously scheduled to sunset after 2028. The 2026 cap: $313,000 single / $626,000 MFJ. Excess business losses convert to NOL carryforward.

Built for landlords (especially real estate professionals), S-corp owners, and sole proprietors who hit losses big enough to trigger the limit. Models the netting interaction with W-2 wages, which count as business income for the §461(l) calculation.

Try it: §461(l) Excess Business Loss 2026

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All 5 are part of an evolving suite of 200+ US tax tools. The full catalog: tool.teamzlab.com/us/ and tool.teamzlab.com/tax/.

Methodology: figures verified against IRS publications and statutory citations. Updated May 2026 ahead of IRS final regulation announcements expected throughout 2026.

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Originally published at https://tool.teamzlab.com?utm_source=blogger&utm_medium=article&utm_campaign=2026-05-obbb-secure-act-2-2026-tax-calculators

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