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Guide

Does your state tax tips and overtime?

The federal deduction is federal. Your state answers separately — and some states answer the two questions differently.

Married filing separately cannot claim these deductions at all, so it is not offered here.

The half-time premium only, not your whole overtime pay.

Colorado

Tips deduction
your state follows
Overtime deduction
your state does not follow

Colorado charges a flat 4.4% on your federal taxable income. It follows the federal tips deduction, but NOT the overtime deduction — under HB25-1296 any federal overtime deduction is added back, so it does not reduce your Colorado tax.

Colorado treats the two differently. Being in a qualifying occupation is not the whole story — which deduction you are claiming decides whether your state bill moves at all.

What each deduction is worth to you

Federal tax saved by the tips deduction$1,800
Colorado tax saved by the tips deduction$660
Federal tax saved by the overtime deduction$480
Colorado tax saved by the overtime deduction$0
Total federal saving$2,280

Federal figures are complete. State figures appear only for states whose rules have been verified against that state’s own publication and covered by tests. Estimate, not tax advice.

Why this is two questions, not one

Almost everything written about this treats state conformity as a single yes or no. It is not. A state decides separately whether to follow the tips deduction and whether to follow the overtime one, and at least one state has already given different answers.

Colorado is the clearest case. It calculates state tax from your federal taxable income, so federal deductions flow through automatically — and then it passed a law, HB25-1296, requiring the overtime deduction to be added back. There is no equivalent addback for tips.

The practical result: a Colorado server saves real money on their state return, and a Colorado factory worker on overtime saves none. Same state, same year, opposite outcome.

A follow-up bill, SB26-056, would have narrowed the overtime addback to a single year. It failed in Senate Appropriations in May 2026, so the broader rule stands.

Why states diverge at all

States build their income tax on the federal system but choose how closely to follow it. Some start from federal taxable income, which already reflects federal deductions — those states inherit new deductions by default and have to legislate if they want to opt out. Most start from federal adjusted gross income and apply their own deductions, so a new federal deduction does nothing for them unless the state legislates it in.

The tips and overtime deductions arrived in mid-2025, after most legislatures had finished for the year. Absent a specific law, the default in an AGI-base state is that nothing changed.

What it costs you

Take a server with $20,000 in tips in a state with a 5% income tax that does not conform. The federal deduction removes that $20,000 from the federal base, worth roughly $2,400 at a 12% marginal rate. The state still taxes it — about $1,000. The headline said the tips were untaxed; nearly a third of the tax on them never went anywhere.

The states where the question does not arise

9 states do not tax wage income at all, so conformity is irrelevant there: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming. If you work in one of these, the federal deduction is the whole story and you keep all of it.

Why most states above say “not verified yet”

Because we cannot yet stand behind an answer for them. State conformity is genuinely in flux, several legislatures are still moving on it, and a confident 50-state table with three wrong rows is worse than no table.

States are added one at a time, each checked against that state’s own revenue department or legislature and covered by tests before it appears. So far that is 8 verified taxing states plus the 9 with no wage tax. The rest will follow.

If you want a particular state prioritised, tell us — it genuinely affects the order.