Estimate regular wages, overtime pay, and your after-tax paycheck using your hourly rate, overtime hours, pay frequency, and state. Compare time-and-a-half or double-time scenarios with a 2026 paycheck estimate.
2026 tax year
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For covered, nonexempt employees, federal law generally requires at least 1.5x the regular rate for hours over 40 in a workweek. This estimate lets you model 1.5x or 2.0x pay and then applies the calculator's 2026 federal, FICA, and state tax treatment.
Estimated take-home
$1,225.06
Per paycheck after estimated taxes
2026 estimate
Where your gross pay goes$1,500.00
Net payFederal taxFICAState taxDeductions
Federal income tax$160.19
Social Security$93.00
Medicare$21.75
State income tax$0.00
Pre-tax deductions$0.00
Net pay$1,225.06
Estimates use your 2026 inputs. Actual paychecks can vary with employer payroll settings and benefits.
How the overtime paycheck calculator works
This overtime paycheck calculator starts with your hourly rate, regular hours, overtime hours, overtime multiplier, pay frequency, and state. It estimates gross pay and then applies federal income tax withholding, Social Security, Medicare, and state income tax treatment used by the calculator.
The result is a planning estimate rather than a copy of an employer payroll statement. Actual take-home pay can differ because of your Form W-4, benefits, deductions, year-to-date wages, local taxes, payroll settings, and the rules that apply to your employment situation.
How to calculate overtime pay
For a simple hourly calculation, start with your regular hourly rate and multiply it by the applicable overtime multiplier. For example, if your regular rate is $30 per hour and the overtime multiplier is 1.5, the overtime rate is $45 per overtime hour.
The calculator then combines regular and overtime earnings for the selected pay period before estimating taxes and take-home pay.
Time-and-a-half overtime example
Suppose you earn $30 per hour, work 40 regular hours, and work 8 overtime hours at 1.5 times your regular rate. Your overtime rate would be $45 per hour. The 8 overtime hours would produce $360 in overtime pay, while the first 40 hours would produce $1,200 in regular pay, for $1,560 in gross weekly wages before taxes and deductions.
This is a simplified example. Your actual overtime entitlement can depend on whether you are covered by the Fair Labor Standards Act (FLSA), your classification, your regular rate, applicable state law, and employer policies.
1.5x overtime vs. 2x double time
Under the federal FLSA, covered nonexempt employees generally must receive at least one-and-one-half times their regular rate for hours worked over 40 in a workweek. Federal law does not generally require double-time pay. A 2.0x multiplier may instead come from an employer policy, employment agreement, collective bargaining agreement, or applicable state rule.
Use the 1.5x option when you want to model the common federal overtime premium. Use 2.0x when double-time actually applies to your situation.
How overtime affects your paycheck
Overtime increases gross wages, but the additional gross pay is not the same as additional take-home pay. Federal income tax withholding, Social Security, Medicare, state taxes, and other payroll deductions can reduce the amount that reaches your bank account.
Overtime compensation is generally still subject to Social Security and Medicare taxes. The 2026 Social Security wage base is $184,500, while Medicare tax continues without a Social Security-style wage base limit.
2026 qualified overtime tax deduction
Federal tax rules for 2026 include a new deduction for qualified overtime compensation. The deduction can generally apply to the portion of qualifying FLSA-required overtime compensation that exceeds the employee's regular rate, rather than making all overtime wages tax-free.
The maximum deduction is $12,500 per return, or $25,000 for a married couple filing jointly. The deduction is subject to eligibility requirements and income-based limitations, so an overtime paycheck estimate should not be interpreted as a guaranteed tax benefit.
The IRS also explains that qualified overtime compensation generally remains subject to Social Security and Medicare taxes. Employees who want their withholding to account for the expected deduction can use the updated 2026 Form W-4 and the applicable IRS withholding procedures.
Why your actual overtime paycheck may be different
Payroll calculations can vary from a simple overtime estimate. Your employer may account for benefits, retirement contributions, health insurance, additional withholding, local taxes, year-to- date wages, multiple jobs, or other Form W-4 information.
State and local overtime rules can also differ. The calculator provides an estimate based on the information you enter and should not be treated as legal, tax, or payroll advice.
Overtime calculator methodology
The calculator combines the overtime inputs you provide with the selected pay frequency and state to estimate gross and net pay. Federal withholding uses the calculator's 2026 federal withholding engine, while Social Security, Medicare, and state treatment are shown separately where applicable.
Federal withholding methodology is based on the 2026 IRS Publication 15-T. Federal overtime requirements are described by the U.S. Department of Labor under the Fair Labor Standards Act. Tax rules and payroll guidance can change, so verify important payroll decisions against current official guidance.
Primary sources
IRS Publication 15-T — 2026 Federal Income Tax Withholding Methods
IRS Publication 15 — 2026 Employer's Tax Guide
U.S. Department of Labor — Fair Labor Standards Act overtime guidance
Common questions
Overtime paycheck calculator FAQ
How do I calculate overtime pay?+
Multiply the applicable regular hourly rate by the overtime multiplier, then multiply that overtime rate by the number of overtime hours. For a 1.5x rate, a $30 hourly rate produces $45 per overtime hour.
Is overtime usually paid at 1.5x?+
Under the federal FLSA, covered nonexempt employees generally receive at least 1.5 times their regular rate for hours over 40 in a workweek. Some workers and situations are subject to different rules or exemptions.
Is overtime pay taxed?+
Overtime compensation is generally subject to federal income tax withholding, Social Security, and Medicare taxes. A 2026 federal deduction may apply to certain qualified overtime compensation, but that does not make all overtime pay tax-free.
Is double-time pay required by federal law?+
The federal FLSA generally requires at least time-and-a-half for covered nonexempt overtime after 40 hours in a workweek. It does not generally require double-time pay. Double-time can apply under other rules or agreements.
Why is my actual overtime paycheck different?+
Employer payroll settings, Form W-4 information, benefits, retirement contributions, local taxes, year-to-date wages, and other deductions can change your actual take-home pay.