Overtime Calculator
An overtime calculator turns hours into money: regular rate × multiplier × overtime hours gives gross overtime pay, and then the withholding layers come off — 22% federal supplemental withholding (reduced by the 2026 overtime premium deduction), 7.65% FICA, and your state's income tax if it has one.
Quick answer: Overtime pay = hourly rate × 1.5 × overtime hours. After the 22% federal withholding, 7.65% FICA and state tax, a $25/hour worker with 10 overtime hours keeps roughly $270–$290 of the $375 gross (less in high-tax states, more in states with no income tax).
$
hrs
%
Net overtime pay (after all withholding)
$272.56
of $375.00 gross · 2026 rules applied
| Gross overtime pay | $375.00 |
| Regular-rate portion (taxed normally) | $250.00 |
| Deductible premium portion (the “half”) | $125.00 |
| Federal withholding (22% supplementalpremium deduction applied | − $55.00 |
| FICA (6.2% SS + 1.45% Medicare)applies to all overtime — not deductible | − $28.69 |
| State tax (custom rate 5%) | − $18.75 |
Estimate at paycheck level: federal at the 22% supplemental withholding rate with the 2026 premium deduction applied, FICA flat, state at a published supplemental rate or your custom estimate. Your actual check and tax return may differ. Not tax advice.
Core facts
| Formula | Gross overtime = hourly rate × multiplier × OT hours (1.5× is the federal default) |
|---|---|
| Federal withholding | 22% supplemental rate, reduced by the 2026 overtime premium deduction |
| FICA | 7.65% of the full overtime amount (no exemption) |
| State tax | 0% in nine no-income-tax states; 2.5%–10.23% supplemental elsewhere |
Common uses
- Check a paycheck that included overtime hours against what you expected
- Decide whether extra shifts are worth it after tax in your state
- Compare 1.5× versus 2× (double-time) offers
- Estimate annual overtime income if you work a fixed amount of extra hours each week
Frequently asked questions
Frequently Asked Questions
How is overtime pay calculated?
Under the FLSA, covered employees earn at least 1.5× their regular rate for hours worked beyond 40 in a workweek. Gross overtime = regular hourly rate × 1.5 × overtime hours. Some employers pay double time (2×) for holidays or after 12-hour shifts by policy or state rule (e.g., California daily overtime).
Why is my overtime check taxed so much?
Overtime is treated as supplemental wages, so many employers withhold a flat 22% for federal tax — higher than the effective rate many workers see on regular wages. From 2026 the half-time premium is deductible, which claws some of that back at filing. FICA always applies at 7.65%.
Is overtime calculated on my base salary if I'm salaried?
Only non-exempt salaried employees get overtime, and the regular rate is derived from the salary divided by the hours the salary is intended to cover. If you are a truly exempt employee, no overtime is owed regardless of hours worked.
More Overtime Pay Calculators
No Tax on Overtime Calculator
See how much federal income tax the 2026 overtime deduction saves you on each overtime check, plus FICA and state tax that still apply.
Overtime Tax Calculator
Enter a gross overtime amount and see the estimated federal, FICA and state tax taken out — with the 2026 premium deduction applied.
Time and a Half Calculator
Multiply your hourly rate by 1.5 for overtime hours, holidays or weekends, then see the after-tax result.
Double Time Calculator
Calculate 2× pay for double-time hours — holidays, emergency callouts or post-shift extensions — with after-tax estimates.
Holiday Pay Calculator
Work out holiday pay at 1.5× or 2× your normal rate, with or without the paid day off, and see the after-tax amount.
Overtime Calculator CA
Overtime pay and the after-tax result for California workers: federal withholding, the 2026 premium deduction, FICA and California tax.
Overtime Calculator TX
Overtime pay and the after-tax result for Texas workers: federal withholding, the 2026 premium deduction, FICA and Texas tax.
Overtime Calculator NY
Overtime pay and the after-tax result for New York workers: federal withholding, the 2026 premium deduction, FICA and New York tax.
More guides
How Are Bonuses Taxed?
The 22% supplemental rule, the aggregate method, FICA, state tax — and why over-withheld bonus tax comes back as a refund.
Is Overtime Taxed More?
Overtime is withheld at a higher flat rate but taxed as ordinary income — and from 2026 the premium gets a federal deduction.
No Tax on Overtime, Explained
The 2026 OBBBA overtime deduction in plain English: what qualifies, the caps, the phase-out, and the fine print.
What Is Time and a Half?
The FLSA overtime rule, who's exempt, how the rate is computed, and state rules that go beyond 1.5×.