No tax on overtime, tips and senior deductions for 2025-2028 (OBBBA), with IRS caps and phase-outs.
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Calculates the 2025-2028 federal deduction for qualified overtime pay under the One Big Beautiful Bill Act (P.L. 119-21, IRC 225) as IRS Schedule 1-A Part III does: the $12,500 cap ($25,000 joint), then $100 off per full $1,000 of MAGI over $150,000 ($300,000 joint). Only the FLSA half-time premium qualifies, so it converts hourly rate, overtime hours and multiplier (or total overtime pay) to the qualified amount; double time does not double it. Married filing separately gets $0. Figures copied from irs.gov in Oct 2026.
Modified adjusted gross income in USD: Form 1040 line 11b plus excluded Puerto Rico and foreign income (Schedule 1-A Part I).
Tax year, 2025 to 2028. The deductions end after 2028.
Federal filing status. married_filing_separately cannot claim these deductions.
Overtime pay multiplier. 1.5 = time-and-a-half (default), 2 = double time.
FLSA regular rate of pay per hour, in USD.
Overtime hours over 40 in a workweek, summed for the year.
Total pay for the overtime hours (straight time plus premium).
Qualified overtime compensation already known, e.g. Form W-2 box 12 code TT. Use this OR the hourly fields OR total_overtime_pay.
Pick your client. Values in capitals, like YOUR_TOKEN, are yours to fill in.
claude mcp add --transport http no-tax-on-overtime-mcp https://no-tax-on-overtime-mcp.lipmichal.workers.dev/mcp
Calculates the 2025-2028 federal deduction for qualified overtime pay under the One Big Beautiful Bill Act (P.L. 119-21, IRC 225) as IRS Schedule 1-A Part III does: the $12,500 cap ($25,000 joint), then $100 off per full $1,000 of MAGI over $150,000 ($300,000 joint). Only the FLSA half-time premium qualifies, so it converts hourly rate, overtime hours and multiplier (or total overtime pay) to the qualified amount; double time does not double it. Married filing separately gets $0. Figures copied from irs.gov in Oct 2026.
| Argument | Type | Description |
|---|---|---|
| magi* | number | Modified adjusted gross income in USD: Form 1040 line 11b plus excluded Puerto Rico and foreign income (Schedule 1-A Part I). |
| tax_year* | integer | Tax year, 2025 to 2028. The deductions end after 2028. |
| multiplier | number | Overtime pay multiplier. 1.5 = time-and-a-half (default), 2 = double time. |
| hourly_rate | number | FLSA regular rate of pay per hour, in USD. |
| filing_status* | string | Federal filing status. married_filing_separately cannot claim these deductions. |
| overtime_hours | number | Overtime hours over 40 in a workweek, summed for the year. |
| total_overtime_pay | number | Total pay for the overtime hours (straight time plus premium). |
| qualified_overtime_premium | number | Qualified overtime compensation already known, e.g. Form W-2 box 12 code TT. Use this OR the hourly fields OR total_overtime_pay. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"filing_status",
"magi",
"tax_year"
],
"properties": {
"magi": {
"type": "number",
"maximum": 1000000000,
"minimum": 0,
"description": "Modified adjusted gross income in USD: Form 1040 line 11b plus excluded Puerto Rico and foreign income (Schedule 1-A Part I)."
},
"tax_year": {
"type": "integer",
"maximum": 2028,
"minimum": 2025,
"description": "Tax year, 2025 to 2028. The deductions end after 2028."
},
"multiplier": {
"type": "number",
"maximum": 5,
"minimum": 1,
"description": "Overtime pay multiplier. 1.5 = time-and-a-half (default), 2 = double time."
},
"hourly_rate": {
"type": "number",
"maximum": 1000000000,
"minimum": 0,
"description": "FLSA regular rate of pay per hour, in USD."
},
"filing_status": {
"enum": [
"single",
"married_filing_jointly",
"married_filing_separately",
"head_of_household",
"qualifying_surviving_spouse"
],
"type": "string",
"description": "Federal filing status. married_filing_separately cannot claim these deductions."
},
"overtime_hours": {
"type": "number",
"maximum": 1000000000,
"minimum": 0,
"description": "Overtime hours over 40 in a workweek, summed for the year."
},
"total_overtime_pay": {
"type": "number",
"maximum": 1000000000,
"minimum": 0,
"description": "Total pay for the overtime hours (straight time plus premium)."
},
"qualified_overtime_premium": {
"type": "number",
"maximum": 1000000000,
"minimum": 0,
"description": "Qualified overtime compensation already known, e.g. Form W-2 box 12 code TT. Use this OR the hourly fields OR total_overtime_pay."
}
},
"additionalProperties": false
}Calculates the 2025-2028 enhanced deduction for seniors under the One Big Beautiful Bill Act (P.L. 119-21) as IRS Schedule 1-A Part V does: $6,000 per person age 65 or older by Dec 31, each reduced by 6% of MAGI over $75,000 ($150,000 joint). On a joint return the reduction applies to each spouse's $6,000. Married filing separately gets $0. Figures copied from irs.gov in Oct 2026.
| Argument | Type | Description |
|---|---|---|
| magi* | number | Modified adjusted gross income in USD: Form 1040 line 11b plus excluded Puerto Rico and foreign income (Schedule 1-A Part I). |
| tax_year* | integer | Tax year, 2025 to 2028. The deductions end after 2028. |
| filing_status* | string | Federal filing status. married_filing_separately cannot claim these deductions. |
| spouse_birth_date | string | Joint returns only. Spouse birth date, YYYY-MM-DD. |
| taxpayer_birth_date | string | Your birth date, YYYY-MM-DD. |
| spouse_age_65_or_older | boolean | Joint returns only. True if your spouse is 65 or older on Dec 31. |
| taxpayer_age_65_or_older |
Calculates the 2025-2028 federal deduction for qualified tips under the One Big Beautiful Bill Act (P.L. 119-21, IRC 224) as IRS Schedule 1-A Part II does: a $25,000 cap per return for every filing status, then $100 off per full $1,000 of MAGI over $150,000 ($300,000 joint). Self-employed tips count only up to that business's net income. Married filing separately gets $0. Figures copied from irs.gov in Oct 2026.
| Argument | Type | Description |
|---|---|---|
| magi* | number | Modified adjusted gross income in USD: Form 1040 line 11b plus excluded Puerto Rico and foreign income (Schedule 1-A Part I). |
| tax_year* | integer | Tax year, 2025 to 2028. The deductions end after 2028. |
| employee_tips | number | Qualified tips received as an employee (2025: Form W-2 box 7 or Form 4137; 2026+: W-2 box 12 code TP). |
| filing_status* | string | Federal filing status. married_filing_separately cannot claim these deductions. |
| self_employed_tips | number | Qualified tips received in your own trade or business (Form 1099-NEC, 1099-MISC or 1099-K). |
| self_employed_net_income | number | Net income of the trade or business where the self-employed tips were earned. |
Estimates the federal income tax saved in 2025-2028 by the One Big Beautiful Bill Act overtime, tips and senior deductions combined. It applies each deduction's cap and phase-out, then runs taxable income through the IRS bracket tables for that year (Rev. Proc. 2024-40 for 2025, Rev. Proc. 2025-32 for 2026) before and after. 2027-2028 brackets are not published yet, so it uses 2026 and says so. Federal income tax only.
| Argument | Type | Description |
|---|---|---|
| magi* | number | Modified adjusted gross income in USD: Form 1040 line 11b plus excluded Puerto Rico and foreign income (Schedule 1-A Part I). |
| tax_year* | integer | Tax year, 2025 to 2028. The deductions end after 2028. |
| hourly_rate | number | Regular hourly rate, if you want the premium computed from hours. |
| filing_status* | string | Federal filing status. married_filing_separately cannot claim these deductions. |
| overtime_hours | number | Overtime hours for the year. |
| qualified_tips | number | Qualified tips for the year. |
| overtime_multiplier | number |
Explains who can claim the 2025-2028 One Big Beautiful Bill Act deductions for overtime, tips and seniors: years covered, excluded filing status (married filing separately), the valid-SSN rule, FLSA overtime eligibility, and exactly where the amounts are reported (Form W-2 box 12 codes TT and TP, Form 1099-NEC/1099-MISC/1099-K boxes, Schedule 1-A lines), including the 2026 change that only W-2 box 12 code TT amounts count. Taken from IRS FAQs and forms fetched Oct 2026.
| Argument | Type | Description |
|---|---|---|
| topic | string | overtime, tips, senior or all (default all). |
| tax_year | integer | Tax year, 2025 to 2028. The deductions end after 2028. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"properties": {
"topic": {
"enum": [
"overtime",
"tips",
"senior",
"all"
],
"type": "string",
"description": "overtime, tips, senior or all (default all)."
},
"tax_year": {
"type": "integer",
"maximum": 2028,
"minimum": 2025,
"description": "Tax year, 2025 to 2028. The deductions end after 2028."
}
},
"additionalProperties": false
}We read every tool's name, description and inputs the way the model will, looking for instructions hidden from you. A clean result means no warning signs, not a guarantee. Scanned Oct 30, 2026.
| boolean |
| True if you are 65 or older on Dec 31 of the tax year. Ignored if taxpayer_birth_date is given. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"filing_status",
"magi",
"tax_year"
],
"properties": {
"magi": {
"type": "number",
"maximum": 1000000000,
"minimum": 0,
"description": "Modified adjusted gross income in USD: Form 1040 line 11b plus excluded Puerto Rico and foreign income (Schedule 1-A Part I)."
},
"tax_year": {
"type": "integer",
"maximum": 2028,
"minimum": 2025,
"description": "Tax year, 2025 to 2028. The deductions end after 2028."
},
"filing_status": {
"enum": [
"single",
"married_filing_jointly",
"married_filing_separately",
"head_of_household",
"qualifying_surviving_spouse"
],
"type": "string",
"description": "Federal filing status. married_filing_separately cannot claim these deductions."
},
"spouse_birth_date": {
"type": "string",
"pattern": "^\\d{4}-\\d{2}-\\d{2}$",
"description": "Joint returns only. Spouse birth date, YYYY-MM-DD."
},
"taxpayer_birth_date": {
"type": "string",
"pattern": "^\\d{4}-\\d{2}-\\d{2}$",
"description": "Your birth date, YYYY-MM-DD."
},
"spouse_age_65_or_older": {
"type": "boolean",
"description": "Joint returns only. True if your spouse is 65 or older on Dec 31."
},
"taxpayer_age_65_or_older": {
"type": "boolean",
"description": "True if you are 65 or older on Dec 31 of the tax year. Ignored if taxpayer_birth_date is given."
}
},
"additionalProperties": false
}{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"filing_status",
"magi",
"tax_year"
],
"properties": {
"magi": {
"type": "number",
"maximum": 1000000000,
"minimum": 0,
"description": "Modified adjusted gross income in USD: Form 1040 line 11b plus excluded Puerto Rico and foreign income (Schedule 1-A Part I)."
},
"tax_year": {
"type": "integer",
"maximum": 2028,
"minimum": 2025,
"description": "Tax year, 2025 to 2028. The deductions end after 2028."
},
"employee_tips": {
"type": "number",
"maximum": 1000000000,
"minimum": 0,
"description": "Qualified tips received as an employee (2025: Form W-2 box 7 or Form 4137; 2026+: W-2 box 12 code TP)."
},
"filing_status": {
"enum": [
"single",
"married_filing_jointly",
"married_filing_separately",
"head_of_household",
"qualifying_surviving_spouse"
],
"type": "string",
"description": "Federal filing status. married_filing_separately cannot claim these deductions."
},
"self_employed_tips": {
"type": "number",
"maximum": 1000000000,
"minimum": 0,
"description": "Qualified tips received in your own trade or business (Form 1099-NEC, 1099-MISC or 1099-K)."
},
"self_employed_net_income": {
"type": "number",
"maximum": 1000000000,
"minimum": -1000000000,
"description": "Net income of the trade or business where the self-employed tips were earned."
}
},
"additionalProperties": false
}| 1.5 = time-and-a-half (default). |
| spouse_age_65_or_older | boolean | Joint returns only. True if your spouse is 65+ on Dec 31. |
| taxpayer_age_65_or_older | boolean | True if you are 65+ on Dec 31 of the tax year. |
| qualified_overtime_premium | number | Qualified overtime premium (W-2 box 12 code TT). |
| taxable_income_before_new_deductions | number | Taxable income before these deductions. If left out it is approximated as MAGI minus the basic standard deduction. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"filing_status",
"magi",
"tax_year"
],
"properties": {
"magi": {
"type": "number",
"maximum": 1000000000,
"minimum": 0,
"description": "Modified adjusted gross income in USD: Form 1040 line 11b plus excluded Puerto Rico and foreign income (Schedule 1-A Part I)."
},
"tax_year": {
"type": "integer",
"maximum": 2028,
"minimum": 2025,
"description": "Tax year, 2025 to 2028. The deductions end after 2028."
},
"hourly_rate": {
"type": "number",
"maximum": 1000000000,
"minimum": 0,
"description": "Regular hourly rate, if you want the premium computed from hours."
},
"filing_status": {
"enum": [
"single",
"married_filing_jointly",
"married_filing_separately",
"head_of_household",
"qualifying_surviving_spouse"
],
"type": "string",
"description": "Federal filing status. married_filing_separately cannot claim these deductions."
},
"overtime_hours": {
"type": "number",
"maximum": 1000000000,
"minimum": 0,
"description": "Overtime hours for the year."
},
"qualified_tips": {
"type": "number",
"maximum": 1000000000,
"minimum": 0,
"description": "Qualified tips for the year."
},
"overtime_multiplier": {
"type": "number",
"maximum": 5,
"minimum": 1,
"description": "1.5 = time-and-a-half (default)."
},
"spouse_age_65_or_older": {
"type": "boolean",
"description": "Joint returns only. True if your spouse is 65+ on Dec 31."
},
"taxpayer_age_65_or_older": {
"type": "boolean",
"description": "True if you are 65+ on Dec 31 of the tax year."
},
"qualified_overtime_premium": {
"type": "number",
"maximum": 1000000000,
"minimum": 0,
"description": "Qualified overtime premium (W-2 box 12 code TT)."
},
"taxable_income_before_new_deductions": {
"type": "number",
"maximum": 1000000000,
"minimum": 0,
"description": "Taxable income before these deductions. If left out it is approximated as MAGI minus the basic standard deduction."
}
},
"additionalProperties": false
}