FREE · FINANCE CALCULATORS
No Tax on Tips & Overtime Calculator.
Estimate the US federal deductions for qualified tips and overtime premium (tax years 2025–2028), with the caps, the income phase-out and the tax you may save.
Loading the calculator…
How to use No Tax on Tips & Overtime Calculator
Choose your filing status, enter your qualified tips, your overtime hours and rate (or the premium), your modified AGI and your tax bracket.
How it works
Tips are deductible up to 25,000 per return; the overtime premium (the half in time-and-a-half) up to 12,500 or 25,000 joint. Each deduction drops by 100 for every full 1,000 of MAGI above 150,000 (300,000 joint).
Example
18,000 of tips and 260 overtime hours at 24 an hour (3,120 premium) give 21,120 of deductions, about 2,534 less federal tax in the 12 % bracket.
Questions about No Tax on Tips & Overtime Calculator
Is No Tax on Tips & Overtime Calculator free, and do I need an account?
Yes. This tool is free to use in your browser without an account. Processing takes place on your device.
What are the limits and what should I check?
An estimate for federal income tax only; state taxes, Social Security and Medicare are not reduced. Not tax advice. Everything is calculated in your browser; nothing you type is uploaded. Review the result before using it in your work.
Is my input sent to a server?
Your input is processed in your browser and is not uploaded by this tool. Files and pasted text are cleared when the page is refreshed. Normal website requests are still required to load the page and its libraries. Read the privacy explanation.