Overtime Paycheck Calculator
Calculate your take-home pay when working overtime hours. Understand how overtime pay affects your net income after taxes and deductions.
Take-Home Pay
Detailed Breakdown
See how your pay is calculated
Assumptions & Notes
Your details
Hourly Rate & Hours
Enter your hourly wage and hours worked
Regular hours (up to 40 per week)
Overtime hours at 1.5× rate ($37.50/hr)
Pay Frequency
How often you get paid
Location & Filing
Your state and filing status
Pre-Tax Deductions (Optional)
Reduce your taxable income
Percentage of gross pay
Annual Health Savings Account contribution
Take-Home Pay
Detailed Breakdown
See how your pay is calculated
Assumptions & Notes
Estimates based on 2026 tax rules (updated July 2026). Actual amounts may vary based on your W-4, benefits, and employer payroll rules.
Understanding Overtime Pay
Overtime pay is a critical consideration for hourly workers who regularly work more than 40 hours per week. The Fair Labor Standards Act (FLSA) requires employers to pay non-exempt employees at least 1.5 times their regular hourly rate for hours worked over 40 in a workweek. This calculator will help you understand how overtime affects your take-home pay after taxes.
How Overtime Pay is Calculated
When you work overtime, your employer must pay you time-and-a-half (1.5x) your regular rate for each hour over 40 in a workweek. For example, if your regular rate is $20 per hour, overtime hours are paid at $30 per hour. This means that a 50-hour workweek would include 40 hours at your regular rate and 10 hours at the overtime rate. The overtime premium can significantly increase your gross pay, but it also pushes you into higher tax brackets, affecting your net take-home amount.
Tax Implications of Overtime
Overtime pay is taxed at the same rates as regular pay, but because it increases your total income, it can push you into a higher tax bracket. This is particularly noticeable when overtime is consistent throughout the year, as it raises your annual income projection. The calculator accounts for federal income tax, state income tax (where applicable), and FICA taxes (Social Security and Medicare) on your total earnings, including the overtime premium.
Why Overtime Take-Home Pay Differs
While overtime pay is taxed at higher rates due to increased annual income, you still take home significantly more than regular hours. However, the percentage of overtime pay that reaches your bank account may be slightly lower than regular hours due to progressive tax brackets. Our upcoming calculator will show you exactly how much of each overtime dollar you'll take home after all taxes and deductions.
Using an Overtime Calculator
When available, this calculator will allow you to input your regular hourly rate, typical hours per week, and any overtime hours. It will calculate your gross pay including the overtime premium, apply appropriate tax rates based on your projected annual income, and show your estimated take-home pay. This helps you understand whether working overtime hours is financially beneficial after accounting for taxes and any additional costs.
Note: Overtime rules vary by state and employment agreement. Some states require daily overtime (for example, after 8 hours in a day), while others follow federal guidelines. Consult your employer or labor department for specific rules applicable to your situation.