OBBBA Tax Provision Summary Chart 2025 July 16, 2025 | Page 12

INDIVIDUAL( cont.)

CHANGE PREVIOUS LAW OBBBA CHANGE IMPACT ON YOU / YOUR BUSINESS
Pease Limitation
Suspended
New formula reduces itemized deductions by 2 / 37 of the lesser of deductions or income above the 37 % bracket threshold
High-income taxpayers may see reduced itemized deductions
Charitable Deduction Floor
No floor
Only contributions exceeding 0.5 % of AGI are deductible when itemizing deductions, with carryforward rules
Small charitable contributions may not be deductible
Child and Dependent Care Credit
Percentage phased down from 35 % to 20 % as income increased
Percentage is 50 %, phased down to 35 % at $ 15,000 AGI, then to 20 % at $ 75,000 AGI($ 150,000 joint)
Larger credit for many families, especially lower and middle income
Increase in Dependent Care Assistance Program Limit
Exclusion limit was $ 5,000($ 2,500 MFS).
Increased to $ 7,500($ 3,750 MFS).
Increases exclusion of employer-provided dependent care assistance from income, may help working families better afford care expenses.
Enhancement of Adoption Credit
Adoption credit was nonrefundable.
Up to $ 5,000 of the adoption credit is refundable.
More adoptive families, especially those with low or no tax liability, can benefit from the adoption credit

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