New York 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. It's a federal deduction, so don't assume New York income tax follows it. 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 York: five overtime hours a week is worth $7,266 a year after tax, ten overtime hours a week is worth $14,031 a year after tax, fifteen overtime hours a week is worth $20,322 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 York adds no daily-overtime rule on top of that federal floor. The calculator uses the standard 1.5× multiplier.

New York 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 York 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, New York income tax and FICA. In New York that leaves about 72.0% of each overtime dollar: $14,031 of the $19,500 that ten overtime hours a week adds over a year.

Against the 5 states New York borders, the same ten overtime hours a week is worth $14,031 here: Pennsylvania keeps $539 more ($14,570), Massachusetts keeps $73 more ($14,104), Connecticut keeps $65 more ($14,096), Vermont keeps $14 more ($14,045) and New Jersey leaves $23 less ($14,008). Connecticut, Massachusetts, Pennsylvania and Vermont are the only borders worth crossing for the tax alone.

Possibly. New York's 'convenience of the employer' rule requires you to pay New York income tax if you're working remotely for your convenience (not your employer's requirement), even if you live in another state. This catches many remote workers by surprise: they think moving out of New York eliminates their tax obligation, but it doesn't if the employer is based in New York. Consult a tax professional familiar with New York's remote work rules.

High earners ($200,000+) who rent will likely save $12,000-$20,000+ annually in state income tax. NYC residents save even more due to the elimination of local income tax. However, homeowners must account for property taxes in Florida ($5,000-$10,000+ for higher-value properties), which can offset income tax savings. Additionally, Florida's sales tax on services and goods means big spenders may pay more in sales tax than they'd pay in income tax in moderate-tax states. Factor in cost-of-living and potential salary adjustments.