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No tax on tips checker

A few yes or no questions show which IRS rules for the no tax on tips deduction may apply to you, and an estimated deduction range. Uses the official IRS figures for 2025 to 2028: $25,000 per return (single or joint), phase-out starts at modified AGI over $150,000 ($300,000 joint).

Not tax advice. TaxBreakChecker explains the official IRS rules in plain English. It is not affiliated with the IRS or any government agency. Confirm with a tax professional or your tax software.
What is your filing status?
Does the person who got the tips have a Social Security number valid for work?
How were you paid for that work?
Were the tips voluntary, paid in cash, card, check or app (not an automatic service charge)?
Are the tips on a W-2 or 1099, or will you report them on Form 4137?
Is the business a "specified service trade or business"?That covers fields like health, law, accounting, consulting, performing arts, athletics and financial services. For employees, it is about your employer's business.

Your answers stay in your browser. Nothing is saved or sent anywhere.

Want the full rules first? Read our plain-English guide to the no tax on tips deduction.

About this checker

Does this checker tell me if I qualify?

No. It shows which official IRS rules may apply based on your answers and gives a rough estimated range. Only you and your tax professional or tax software can decide what goes on your return.

Is my information saved?

No. The checker runs in your browser. Your answers are not saved or sent anywhere.

How is the estimate figured?

It follows the steps on IRS Schedule 1-A: apply the cap, then the income phase-out. The range allows for your numbers being a bit different from what you entered.

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