Tax years 2025 to 2028 · Last verified October 17, 2026

How much is your tips and overtime deduction?

A free estimator that follows Schedule 1-A: caps, the income phase-out and a line-by-line result. Everything runs in your browser.

Your numbers never leave your browser. Nothing is stored or sent. No account.

How it works

Qualified tips, the overtime premium, MAGI and filing status. Manual entry only.

$25,000 tips, $12,500 ($25,000 joint) overtime, then $100 off per $1,000 over $150,000 ($300,000 joint).

See each Schedule 1-A line, with warnings for eligibility traps.

Phase-out, in one line. The reduction is applied separately to tips and to overtime, each with its own threshold. See the sources and an example.

Codes TT, TP and box 14b.

4 min read

Use Notice 2025-69 and your pay records.

4 min read

Check the IRS list; do not guess.

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Voluntary tips count; service charges do not.

3 min read

Only the premium part counts.

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Separate $150,000 / $300,000 thresholds.

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Filed 2025 without the deduction.

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Parts I to III line by line.

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Honest limits. This is an estimator, not tax software. It does not check that your job qualifies. Compare with the IRS page and Schedule 1-A.