No Tax on Tips + Overtime Checker 2026

Check whether your tips and overtime fit the new federal rules for 2025 to 2028, and estimate each 2026 deduction after the caps and the income phase-out. Works in Excel, Google Sheets and as an offline web page.

The tips deduction is up to $25,000 and the overtime deduction up to $12,500 ($25,000 joint), each reduced by $100 for every full $1,000 of MAGI above $150,000 ($300,000 joint). Only the premium half of time-and-a-half counts, and only tips given freely in an occupation on the IRS list. The checker asks the questions, applies the caps and the phase-out, and estimates the federal income tax saved at 2026 rates, while showing that Social Security and Medicare still apply.

Inside: the workbook (Checker, Tips log, Overtime log, the full IRS list of 71 tipped occupations, Rates, Sources), the same checker as an offline HTML page, and a quick-start PDF.

For servers, bartenders, stylists, drivers and other tipped workers, and hourly workers paid overtime.

Estimates for planning only, not tax, legal or financial advice. Rules checked against IRS sources on 2 November 2026; check them before you act.