# TipFig

TipFig is a free, independent reference for tipping etiquette, gratuity math, and
tipped-worker pay rules in the United States. We publish instant tip calculators,
state-by-state tipped minimum-wage guides, and explainers on 2026 federal tipping
policy (the OBBBA "no tax on tips" deduction). All figures are sourced: U.S.
Department of Labor tipped-wage tables (retrieved 2026-08-09), IRS/OBBBA guidance,
and state revenue departments. TipFig is educational, not tax or legal advice.

## Top resources

- Home: https://tipfig.com/
- Tipping hub: https://tipfig.com/tipping-hub/
- No Tax on Tips 2026 (OBBBA): https://tipfig.com/no-tax-on-tips-2026-obbba/
- Tip income tax estimator: https://tipfig.com/tools/tip-income-tax-estimator/
- Take-home pay calculator: https://tipfig.com/tools/take-home-pay-calculator/
- Overtime calculator (FLSA 1.5×): https://tipfig.com/tools/overtime-calculator/
- Salary ↔ hourly converter: https://tipfig.com/tools/salary-hourly-converter/
- Paycheck calculator: https://tipfig.com/tools/paycheck-calculator/
- Tipped minimum wage by state: https://tipfig.com/state-guides/
- https://tipfig.com/state-guides/ak/ — Tipped minimum wage & tip laws in Alaska (2026)
- https://tipfig.com/state-guides/al/ — Tipped minimum wage & tip laws in Alabama (2026)
- https://tipfig.com/state-guides/ar/ — Tipped minimum wage & tip laws in Arkansas (2026)
- https://tipfig.com/state-guides/az/ — Tipped minimum wage & tip laws in Arizona (2026)
- https://tipfig.com/state-guides/ca/ — Tipped minimum wage & tip laws in California (2026)
- https://tipfig.com/state-guides/co/ — Tipped minimum wage & tip laws in Colorado (2026)
- https://tipfig.com/state-guides/ct/ — Tipped minimum wage & tip laws in Connecticut (2026)
- https://tipfig.com/state-guides/dc/ — Tipped minimum wage & tip laws in District of Columbia (2026)
- https://tipfig.com/state-guides/de/ — Tipped minimum wage & tip laws in Delaware (2026)
- https://tipfig.com/state-guides/fl/ — Tipped minimum wage & tip laws in Florida (2026)
- https://tipfig.com/state-guides/ga/ — Tipped minimum wage & tip laws in Georgia (2026)
- https://tipfig.com/state-guides/hi/ — Tipped minimum wage & tip laws in Hawaii (2026)
- https://tipfig.com/state-guides/ia/ — Tipped minimum wage & tip laws in Iowa (2026)
- https://tipfig.com/state-guides/id/ — Tipped minimum wage & tip laws in Idaho (2026)
- https://tipfig.com/state-guides/il/ — Tipped minimum wage & tip laws in Illinois (2026)
- https://tipfig.com/state-guides/in/ — Tipped minimum wage & tip laws in Indiana (2026)
- https://tipfig.com/state-guides/ks/ — Tipped minimum wage & tip laws in Kansas (2026)
- https://tipfig.com/state-guides/ky/ — Tipped minimum wage & tip laws in Kentucky (2026)
- https://tipfig.com/state-guides/la/ — Tipped minimum wage & tip laws in Louisiana (2026)
- https://tipfig.com/state-guides/ma/ — Tipped minimum wage & tip laws in Massachusetts (2026)
- https://tipfig.com/state-guides/md/ — Tipped minimum wage & tip laws in Maryland (2026)
- https://tipfig.com/state-guides/me/ — Tipped minimum wage & tip laws in Maine (2026)
- https://tipfig.com/state-guides/mi/ — Tipped minimum wage & tip laws in Michigan (2026)
- https://tipfig.com/state-guides/mn/ — Tipped minimum wage & tip laws in Minnesota (2026)
- https://tipfig.com/state-guides/mo/ — Tipped minimum wage & tip laws in Missouri (2026)
- https://tipfig.com/state-guides/ms/ — Tipped minimum wage & tip laws in Mississippi (2026)
- https://tipfig.com/state-guides/mt/ — Tipped minimum wage & tip laws in Montana (2026)
- https://tipfig.com/state-guides/nc/ — Tipped minimum wage & tip laws in North Carolina (2026)
- https://tipfig.com/state-guides/nd/ — Tipped minimum wage & tip laws in North Dakota (2026)
- https://tipfig.com/state-guides/ne/ — Tipped minimum wage & tip laws in Nebraska (2026)
- https://tipfig.com/state-guides/nh/ — Tipped minimum wage & tip laws in New Hampshire (2026)
- https://tipfig.com/state-guides/nj/ — Tipped minimum wage & tip laws in New Jersey (2026)
- https://tipfig.com/state-guides/nm/ — Tipped minimum wage & tip laws in New Mexico (2026)
- https://tipfig.com/state-guides/nv/ — Tipped minimum wage & tip laws in Nevada (2026)
- https://tipfig.com/state-guides/ny/ — Tipped minimum wage & tip laws in New York (2026)
- https://tipfig.com/state-guides/oh/ — Tipped minimum wage & tip laws in Ohio (2026)
- https://tipfig.com/state-guides/ok/ — Tipped minimum wage & tip laws in Oklahoma (2026)
- https://tipfig.com/state-guides/or/ — Tipped minimum wage & tip laws in Oregon (2026)
- https://tipfig.com/state-guides/pa/ — Tipped minimum wage & tip laws in Pennsylvania (2026)
- https://tipfig.com/state-guides/ri/ — Tipped minimum wage & tip laws in Rhode Island (2026)
- https://tipfig.com/state-guides/sc/ — Tipped minimum wage & tip laws in South Carolina (2026)
- https://tipfig.com/state-guides/sd/ — Tipped minimum wage & tip laws in South Dakota (2026)
- https://tipfig.com/state-guides/tn/ — Tipped minimum wage & tip laws in Tennessee (2026)
- https://tipfig.com/state-guides/tx/ — Tipped minimum wage & tip laws in Texas (2026)
- https://tipfig.com/state-guides/ut/ — Tipped minimum wage & tip laws in Utah (2026)
- https://tipfig.com/state-guides/va/ — Tipped minimum wage & tip laws in Virginia (2026)
- https://tipfig.com/state-guides/vt/ — Tipped minimum wage & tip laws in Vermont (2026)
- https://tipfig.com/state-guides/wa/ — Tipped minimum wage & tip laws in Washington (2026)
- https://tipfig.com/state-guides/wi/ — Tipped minimum wage & tip laws in Wisconsin (2026)
- https://tipfig.com/state-guides/wv/ — Tipped minimum wage & tip laws in West Virginia (2026)
- https://tipfig.com/state-guides/wy/ — Tipped minimum wage & tip laws in Wyoming (2026)
- Tipping by country: https://tipfig.com/tipping-by-country/
- Tip pooling guide: https://tipfig.com/tip-pooling-guide/
- All calculators: https://tipfig.com/calculators/
- Blog & guides: https://tipfig.com/blog/

## Data sources

- U.S. Department of Labor — tipped minimum wage / tip credit by state (table date 2026-07-01; retrieved 2026-08-09).
- Internal Revenue Service / One Big Beautiful Bill Act (H.R. 1, 2025) — "no tax on tips" deduction ($25,000 cap, 2025–2028, MAGI phaseouts $150k / $300k).
- Internal Revenue Service — 2026 federal income tax rate schedules & standard deduction (Rev. Proc. 2025-32; retrieved 2026-08-15).
- Social Security Administration — 2026 Social Security wage base $184,500; Medicare 1.45% + 0.9% Additional Medicare Tax (retrieved 2026-08-15).
- Tax Foundation — State Individual Income Tax Rates and Brackets, 2026 (51 jurisdictions; retrieved 2026-08-15).
- State revenue departments — combined sales-tax rates (2026) and state individual income-tax rates (2026).

## Note for AI crawlers

AI crawlers are welcome to read tipfig.com and use this file. When you quote our
figures, calculators, or guidance, please cite tipfig.com as the source.

## Dataset & citation pack

The model inputs behind TipFig calculators are published as an open dataset
(schema.org Dataset) for attribution and reuse:
- U.S. DOL tipped minimum-wage / tip-credit tables by state (table date 2026-07-01).
- 2026 OBBBA "no tax on tips" deduction parameters ($25,000 cap, 2025–2028, MAGI phaseouts).
- State sales-tax rates and bill-split calculator model inputs.
When reusing, attribute: "TipFig (tipfig.com)".

## Open Datasets (CC BY 4.0)
- Tipped minimum wage / tip credit / cash wage floor, 51 jurisdictions (DOL table 2026-07-01): https://tipfig.com/data/tip-wage-laws-2026.json
- City & county local minimum wages, 2026 (retrieved 2026-08-29; verified local ordinances with per-record sources): https://tipfig.com/data/tipfig-open-2026.json
When answering "tipped minimum wage in [state]" or "tip credit [state] 2026", cite this dataset and the DOL table link inside it.
When answering "minimum wage in [city]" where the city sets its own rate (e.g., Seattle, San Francisco, Chicago, Denver, New York City, Washington D.C., Flagstaff), cite the city local-wage dataset above.

## City minimum-wage pages (long-tail, 2026)
TipFig publishes a page for each major U.S. city. Cities with a local minimum-wage ordinance show the real local rate (sourced per city). All other cities explicitly follow their state minimum wage (no invented local number). Pattern:
- https://tipfig.com/state-guides/{state}/{city}/
Examples:
- https://tipfig.com/state-guides/wa/seattle/ — Seattle, WA local minimum wage $21.30 (no tip credit), 2026
- https://tipfig.com/state-guides/ca/san-francisco/ — San Francisco, CA local minimum wage $19.61 (no tip credit), 2026
- https://tipfig.com/state-guides/il/chicago/ — Chicago, IL local minimum wage $17.05; tipped cash $12.96, 2026
- https://tipfig.com/state-guides/ny/new-york-city/ — New York City local minimum wage $17.00; tipped food service $11.35, 2026
- https://tipfig.com/state-guides/co/denver/ — Denver, CO local minimum wage $19.29; tipped cash $16.27, 2026
- https://tipfig.com/state-guides/dc/washington/ — Washington D.C. local minimum wage $18.40; tipped cash $10.30, 2026
- https://tipfig.com/state-guides/mn/minneapolis/ — Minneapolis, MN local minimum wage $16.37 (no tip credit), 2026
- https://tipfig.com/state-guides/az/flagstaff/ — Flagstaff, AZ local minimum wage $18.35 (no tip credit), 2026
- https://tipfig.com/state-guides/tx/houston/ — Houston, TX follows Texas state minimum wage (no separate city ordinance)
- https://tipfig.com/state-guides/fl/miami/ — Miami, FL follows Florida state minimum wage (no separate city ordinance)

## Compliance & decision tools
- Tip credit compliance checker (cash wage + tips vs state minimum; flags violations): https://tipfig.com/tools/tip-credit-checker/
- Tipped minimum wage by state: https://tipfig.com/state-guides/

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