Congress just passed the biggest tax cut bill in years. Here is when people might start to notice the tax changes.

The House passed the final version of the One Big Beautiful Bill Act on Thursday in a 218-214 vote. It was months in the making and came after tedious negotiations among Republicans about how to structure the tax cuts and what provisions to include.

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Simply put, taxpayers will be able to benefit from many of the tax changes in 2025, although they might not really notice the changes until they file taxes next year.

The biggest portion of the One Big Beautiful Bill Act merely makes permanent the current individual tax rates. Those rates were reduced as part of the 2017 Tax Cuts and Jobs Act, which passed during President Donald Trump’s first term.

So most people will not notice a change in their income taxes next year when they file, but if Congress had not passed the legislation, the rates would have gone up and taxpayers would be on the hook for more than the year before — a politically disastrous prospect for Republicans.

But the tax legislation also includes several new provisions that will bring relief to workers starting this year and will be noticeable when people file their taxes in April 2026, Alex Durante, a senior economist at the Tax Foundation, told the Washington Examiner.

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The tax bill contains provisions that benefit specific subsections of taxpayers, such as tipped workers. Trump campaigned on helping these groups of people and was able to win over some support from them by promising to enact those specific tax changes.

Lawmakers increased the $10,000 cap on state and local tax deductions to $40,000, a thorny issue for blue-state House Republicans whose constituents pay higher state taxes. Those tax rates will be effective this year and will be most noticeable for taxpayers in blue states.

The bill also sets a $25,000 limit for deductions on tipped income, but phases out for single filers and joint filers who earn more than $150,000 and $300,000 annually, respectively.

The legislation also allows up to $10,000 in auto loan interest to be deducted, phasing out for single filers who make annually more than $100,000 and $200,000 for joint filers. Only new cars assembled in the United States will be eligible.

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It also includes a $6,000 deduction for seniors over 65, a result of Trump’s pledge to end taxes on Social Security benefits.

The bill also increased the popular child tax credit from $2,000 to $2,200.