No Tax on Overtime

io.github.theluckystrike由 GitHub 帳號 theluckystrike 發布v1.0.0更新於 Oct 30, 2026

No tax on overtime, tips and senior deductions for 2025-2028 (OBBBA), with IRS caps and phase-outs.

已驗證Streamable HTTP可網頁執行金融資料與分析

概覽

AI 產生的概覽

依《One Big Beautiful Bill Act》計算 2025-2028 年美國聯邦加班費、小費與高齡扣除，包含 IRS 上限、遞減規則與稅率級距估算。

可以做什麼
  • 依 W-2 第 12 欄 TT 代碼金額、時薪加加班時數或加班費總額計算合格加班費扣除，僅保留 FLSA 半倍溢價部分
  • 計算合格小費扣除，套用每份申報的上限與 MAGI 遞減，並將自僱小費限制在淨收入內
  • 依每人計算 65 歲以上高齡附加扣除，可輸入出生日期
  • 合併三項扣除並依當年 IRS 稅率級距估算可節省的聯邦所得稅
  • 說明資格條件：適用年度、被排除的申報身分、SSN 規則、FLSA 規則、W-2 與 1099 欄位及 Schedule 1-A 行次
適用情境
適合想估算 2025-2028 年加班費、小費或高齡扣除能減少多少聯邦所得稅，或需要了解資格規則與申報欄位的人。也適合針對上限、遞減與合併節省做快速試算。
執行需求
遠端 streamable HTTP 端點，無需登入或權杖，將網址加入自訂連接器或 MCP 用戶端設定即可。文件另提供本機 npx 版本，需要 Node 20 或更新版本。
安裝前請注意
結果為估算而非稅務建議，且僅涵蓋聯邦所得稅，不含社會安全稅、醫療保險稅與州稅。2027 與 2028 年稅率級距尚未公布，這兩年沿用 2026 年表格。它不判斷 FLSA 加班資格或職業是否屬於小費清單。收入、小費、出生日期等輸入會傳送到託管端點。

安裝

在 SourceWeft 中

  1. 開啟 儀表板中的 No Tax on Overtime，將其新增到工作區。
  2. 為需要使用其工具的對話啟用該服務。

Web executable，透過 Streamable HTTP。 遠端服務在工作區中設定後即可從網頁執行環境執行。

交給代理程式安裝

把這段提示詞貼上到 Claude Code、Codex、Cursor 等代理程式，或 SourceWeft 對話中。代理程式會讀取該伺服器的安裝指南，先向你展示發布者、端點和登入方式，經你同意後再把它新增到你的客戶端。金鑰不會寫進任何命令。

閱讀 https://sourceweft.com/mcp/io.github.theluckystrike%2Fno-tax-on-overtime-mcp/install.md，並按其中說明把這個 MCP 伺服器接入我的客戶端。修改任何設定之前，先告訴我它的發布者、端點和登入方式，等我確認。不要把 API 金鑰寫進命令或我會提交的檔案；問我金鑰應從哪裡取得。

檢視代理程式所依據的安裝指南

其他 MCP 客戶端

把它新增到你客戶端的 mcpServers 設定中。

{
  "mcpServers": {
    "no-tax-on-overtime": {
      "type": "http",
      "url": "https://no-tax-on-overtime-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

README

no-tax-on-overtime-mcp

An MCP server that calculates the 2025-2028 federal no tax on overtime, no tax on tips and senior deductions from the One Big Beautiful Bill Act (P.L. 119-21), using the IRS caps, phase-outs and bracket tables.

Hosted endpoint, no sign-in and no token:

https://no-tax-on-overtime-mcp.lipmichal.workers.dev/mcp

Tools

ToolWhat it does
calculate_overtime_deductionDeduction for qualified overtime after the $12,500 cap ($25,000 joint) and the MAGI phase-out. Takes the W-2 box 12 code TT amount, or hourly rate + overtime hours + multiplier, or total overtime pay, and keeps only the FLSA half-time premium.
calculate_tips_deductionDeduction for qualified tips after the $25,000 per-return cap and the MAGI phase-out. Limits self-employed tips to net income.
calculate_senior_deductionEnhanced $6,000 deduction per person age 65 or older, reduced by 6% of MAGI over $75,000 ($150,000 joint). Accepts birth dates.
estimate_tax_savingsCombines the three deductions and runs taxable income through the IRS bracket tables for the year to estimate federal income tax saved.
explain_eligibilityWho qualifies, the excluded filing status, the SSN rule, FLSA exemptions, the W-2 and 1099 boxes, Schedule 1-A lines, and the years covered.

Every result has structured JSON, a plain-English summary, as_of, source (the irs.gov document) and more (a calculator page on noovertimetax.com).

What it knows that your model does not

  • These deductions started in tax year 2025, after most models were trained. The law was signed on July 4, 2025.
  • The phase-out is $100 for each full $1,000 of MAGI over the threshold, rounded down, as Schedule 1-A lines 16-21 do it. It is not a smooth percentage.
  • Only the FLSA premium qualifies. Ten double-time hours at $20 give $100 of qualified overtime, not $200 (IRS FS-2026-13 A16).
  • From 2026 you may not use more than the amount in Form W-2 box 12 code TT. If your employer leaves it out, you need a Form W-2c (FS-2026-13, August 2026).
  • The tips cap is $25,000 per return even on a joint return. The overtime cap doubles for joint returns. The senior reduction applies to each spouse separately.
  • Married filing separately gets nothing from any of the three.
  • 2025 and 2026 brackets from Rev. Proc. 2024-40 and Rev. Proc. 2025-32, including the OBBBA standard deduction amounts.

Install

Claude.ai custom connector or ChatGPT developer mode

Add a custom connector and paste the URL. No token is needed.

https://no-tax-on-overtime-mcp.lipmichal.workers.dev/mcp

Claude Code

claude mcp add --transport http no-tax-on-overtime https://no-tax-on-overtime-mcp.lipmichal.workers.dev/mcp

Or run it locally:

claude mcp add no-tax-on-overtime -- npx -y no-tax-on-overtime-mcp

Claude Desktop

Add this to claude_desktop_config.json:

json
{  "mcpServers": {    "no-tax-on-overtime": {      "command": "npx",      "args": ["-y", "no-tax-on-overtime-mcp"]    }  }}

Cursor

Add this to ~/.cursor/mcp.json:

json
{  "mcpServers": {    "no-tax-on-overtime": {      "url": "https://no-tax-on-overtime-mcp.lipmichal.workers.dev/mcp"    }  }}

VS Code

Add this to .vscode/mcp.json:

json
{  "servers": {    "no-tax-on-overtime": {      "type": "http",      "url": "https://no-tax-on-overtime-mcp.lipmichal.workers.dev/mcp"    }  }}

Node 20 or newer is needed for the local npx version.

Example prompts

  • "I make $28 an hour and worked 300 overtime hours at time-and-a-half in 2026. I file single and my MAGI is $72,000. How much can I deduct?"
  • "My employer pays double time. Does all of it count for the no tax on overtime deduction?"
  • "We file jointly, both of us are 67, and our MAGI is $180,000. What is our senior deduction for 2025?"
  • "I'm a bartender with $31,000 in tips and $95,000 MAGI. What does the tips deduction save me in federal tax?"
  • "My W-2 for 2026 has no box 12 code TT. Can I still claim the overtime deduction?"

Data sources

All numbers come from irs.gov documents fetched on 2026-10-30: Schedule 1-A (2025 and the 2026 draft), the 2025 Form 1040 instructions, fact sheets FS-2025-03 and FS-2026-13, Rev. Proc. 2024-40 and Rev. Proc. 2025-32. See DATA_SOURCES.md for each item and URL.

Limitations

  • Results are estimates, not tax advice.
  • Federal income tax only. Social security, Medicare and state taxes are not included.
  • The IRS has not yet published 2027 or 2028 brackets. For those years the savings estimate uses the 2026 tables and says so.
  • If you leave out taxable income, the savings tool uses MAGI minus the basic standard deduction. It ignores the extra standard deduction for age 65+, itemized deductions and credits.
  • It does not decide whether you are FLSA overtime-eligible or whether your occupation is on the tipped list. explain_eligibility lists the rules.
  • The car loan interest deduction is not covered.

More

Calculators and guides for people: noovertimetax.com.

Part of the Zovo MCP collection: https://mcp.zovo.one

Development

npm installnpm run buildnpm test

src/core.ts holds all the rules and has no I/O. src/stdio.ts is the local entry and src/worker.ts is the Cloudflare Worker entry. Both use the same tool registry in src/tools.ts.

License

MIT

More data servers from the same author

Each one is free, needs no API key and has a hosted URL you can paste into Claude or ChatGPT.

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The paid back-office collection (invoices, VAT, PDFs, spreadsheets) is at https://mcp.zovo.one

來源：README.md，提交 d367cb6

工具

5

calculate_overtime_deduction

No Tax on Overtime deduction

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.

輸入參數magi必填tax_year必填multiplierhourly_ratefiling_status必填overtime_hourstotal_overtime_payqualified_overtime_premium

calculate_tips_deduction

No Tax on Tips deduction

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.

輸入參數magi必填tax_year必填employee_tipsfiling_status必填self_employed_tipsself_employed_net_income

calculate_senior_deduction

Enhanced deduction for seniors (65+)

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.

輸入參數magi必填tax_year必填filing_status必填spouse_birth_datetaxpayer_birth_datespouse_age_65_or_oldertaxpayer_age_65_or_older

estimate_tax_savings

Estimate federal tax saved

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.

輸入參數magi必填tax_year必填hourly_ratefiling_status必填overtime_hoursqualified_tipsovertime_multiplierspouse_age_65_or_oldertaxpayer_age_65_or_olderqualified_overtime_premiumtaxable_income_before_new_deductions

explain_eligibility

Who qualifies, and how it is reported

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.

輸入參數topictax_year

版本歷史

1
  1. v1.0.0最新Oct 30, 2026

評分

已滿足適用檢查項的 100%

該評分衡量此收錄條目的完整程度，依據註冊中心條目、端點與公開來源計算得出。它不是對伺服器本身的評價，也不表示伺服器安全或目前可用：可連通性是帶日期的檢查結果，評分也不包含安裝量或使用者評價。

  • 近 30 天內可連通必需25 分
  • 已宣告認證方式必需10 分
  • 已列出工具必需15 分
  • 描述必需15 分
  • 圖示10 分
  • 文件15 分
  • 授權條款10 分