OBBBA 2026 — Tips & Overtime Deduction
OBBBA Tips & Overtime Tax Calculator — find out exactly what you keep.
Servers, bartenders, factory workers, nurses on overtime — the OBBBA lets you deduct up to $25,000 in tips and $12,500 in overtime premium pay from your federal taxes. Takes 90 seconds.
The OBBBA deductions apply to tax years 2025–2028 — update your W-4 now to benefit this year.
What this OBBBA calculator does
Tips & Overtime in one session
Every other calculator handles one or the other. This one handles both.
Real-time state conformity
Know instantly whether your state conforms — updated from live data, not outdated tables.
Exact W-4 Line 4b amount
Stop overwithholding today. We give you the exact dollar to enter on your W-4.
How it works
- 1
Tell us your situation
Pick whether you earn tips, overtime, or both, then enter your income and filing status. No signup, no account.
- 2
We do the math
We apply the OBBBA caps and phase-outs, your federal marginal rate, the FICA that still applies, and your state’s conformity status.
- 3
Get your number + W-4
See your estimated federal and state savings and the exact amount to put on W-4 Line 4b to stop over-withholding.
FICA taxes (Social Security + Medicare) still apply to tips and overtime. We show you that too — because you deserve the accurate picture. Learn more →