New Hampshire Overtime Calculator

Not fully. For 2025-2028 the federal premium, the "half" of time-and-a-half, is also deductible when you file, up to $12,500 ($25,000 married filing jointly). It's claimed on Schedule 1-A, phases out above $150,000 of income ($300,000 joint), and doesn't reduce Social Security or Medicare. New Hampshire has no wage income tax to begin with. Your employer still withholds on overtime unless you claim the deduction on a new W-4, so for most people it shows up as a bigger refund.

Overtime can push your annualized income into a higher bracket, but only the dollars above the threshold are taxed at the higher rate: you always take home more by working the hours. Priced for New Hampshire: five overtime hours a week is worth $7,834 a year after tax, ten overtime hours a week is worth $15,168 a year after tax, fifteen overtime hours a week is worth $22,027 a year after tax, against $19,500 gross on the middle figure.

Under the Fair Labor Standards Act, non-exempt employees must be paid at least 1.5× their regular rate beyond 40 hours in a workweek. New Hampshire adds no daily-overtime rule on top of that federal floor. The calculator uses the standard 1.5× multiplier.

New Hampshire follows the federal FLSA standard: at least 1.5× your regular rate for hours beyond 40 in a workweek, with no additional daily-overtime requirement. If you believe you're owed overtime, the New Hampshire Department of Labor is the place to check. Our calculator uses the standard 1.5× multiplier.

Add regular earnings (rate × regular hours) to overtime earnings (rate × 1.5 × overtime hours), then subtract federal tax and FICA. In New Hampshire that leaves about 77.8% of each overtime dollar: $15,168 of the $19,500 that ten overtime hours a week adds over a year.

Against the 3 states New Hampshire borders, the same ten overtime hours a week is worth $15,168 here: Massachusetts leaves $1,065 less ($14,104), Vermont leaves $1,123 less ($14,045) and Maine leaves $1,316 less ($13,852). New Hampshire beats every state it borders on this, so the commute only pays in the other direction. New Hampshire is not alone: Alaska, Florida, Nevada, South Dakota, Tennessee, Texas and Wyoming leave exactly the same $15,168.

New Hampshire has no state sales tax (one of five states with no sales tax), which benefits big spenders. However, the state relies heavily on property taxes, which can be among the highest in the nation (especially in certain towns and cities, where property taxes can range from $5,000-$12,000+ annually for typical homes). The lack of sales tax benefits spenders, but homeowners face significant property tax burdens that can offset the benefit of no income tax on wages.

New Hampshire taxes interest and dividend income at 5%, but not wages or salaries. This creates a situation where wage earners pay no state income tax, but retirees and investors with significant interest/dividend income receive a separate tax bill: something that catches many people by surprise. If you have $100,000 in interest/dividend income, you'll pay $5,000 annually in state tax on that income, even though your wages aren't taxed.