Paycheck
Rules that decide what ends up in a paycheck — new deductions on overtime and tips, the minimum-wage check for commission pay, and who can share in a tip pool.
Tools
7- Paycheck
2025 tax law savings calculator
Combine the 2025 tax law's four new deductions — overtime, tips, car loan interest, and the senior bonus — into one total, with your combined estimated tax savings.
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Car loan interest deduction calculator
Work out your federal car loan interest deduction for 2025-2028 under the new tax law, whether your vehicle qualifies, and where the $10,000 cap phases out.
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Commission minimum wage calculator
Check whether a week of commission pay reaches the minimum wage, how tips and a tip credit change it, and what an employer owes if it falls short.
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No tax on overtime calculator
Work out your federal overtime-pay deduction for 2025-2028 under the new tax law, and the exact MAGI where the $12,500/$25,000 cap starts phasing out.
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No tax on tips calculator
Work out your federal tips deduction for 2025-2028 under the new tax law, whether your occupation qualifies, and where the $25,000 cap phases out.
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Senior bonus deduction calculator
Work out the extra $6,000 federal deduction for taxpayers 65 and older under the 2025 tax law, and where the 6% phase-out reduces it to $0.
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Tip pool calculator
Split a tip pool by hours worked after card fees, and see who can legally be in it — owners and managers never, non-tipped staff only without a tip credit.
Look it up
3- Paycheck
Tipped minimum wage by state
Minimum wage, tipped cash wage and tip credit in all 50 states and DC.
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Benefits cliff by state
Where a raise ends SNAP, children’s Medicaid/CHIP or the ACA subsidy, in every state.
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No tax on tips: occupation codes (TTOC)
All 71 qualifying jobs with their W-2 Box 14b code and IRS tip data.
Guides
11- Paycheck
California's Salon Commission Rule (Labor Code §204.11)
Why the federal minimum-wage check isn't the whole story for a licensed salon employee in California — or in any state with its own pay-structure rule.
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Car Loan Interest Deduction — Which Vehicles Actually Qualify
Six requirements, all of them at once — new, the right body type, under 14,000 lbs, and assembled in the US. Miss one and the deduction is $0.
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Do Commission Workers Get the Minimum Wage?
If you're an employee paid by commission, yes — and it's checked one week at a time.
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How to Find Qualified Overtime and Tips on Your W-2
The deduction only counts the "half" premium in time-and-a-half — not your full overtime wage. Here's where that number actually lives.
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Can You Claim Both No Tax on Overtime and No Tax on Tips?
Yes — they're two separate deductions under different code sections, each with its own cap, phased out independently against the same income.
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No Tax on Overtime: Income Limits and Phase-Out, Explained
The $12,500 cap ($25,000 married) shrinks $100 for every $1,000 of income over the threshold — a staircase, not a smooth taper.
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No Tax on Tips: Income Limits and Phase-Out, Explained
The $25,000 cap is flat regardless of filing status — but the same $100-per-$1,000 phase-out as overtime still applies above $150,000 (or $300,000 joint).
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The New $6,000 Senior Deduction vs. the Existing Extra Deduction for Being 65+
Two separate amounts that both apply at once — one has existed for decades, the other only exists 2025–2028.
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Which of the 2025 Tax Law's New Deductions Can You Combine?
Four separate provisions, four separate tests — qualifying for one says nothing about the others, and nothing stops you claiming all four.
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Which Jobs Qualify for the "No Tax on Tips" Deduction
Treasury's final list names 71 occupations across 8 categories. Being tipped in a job that isn't on it doesn't count, no matter the amount.
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Who Owns the Tips at a Salon or Restaurant?
The employees who earn them. An owner or manager can't keep any of it — and card fees have limits.