Overtime Pay Calculator (2026)
Overtime is where a paycheck gets interesting. Work past 40 hours in a week and federal law usually pays you one and a half times your normal rate for the extra hours, so each one lands worth more than a regular hour. This calculator takes your hourly wage, your regular and overtime hours, and your state, and breaks the result into three parts: regular pay, the overtime premium, and double-time if your job offers it. Then it estimates what actually reaches your bank account after federal income tax, Social Security, Medicare, and state tax. A common worry is that overtime gets taxed away, and the math here shows why that feeling is mostly about withholding, not your real tax bill. A 2026 federal law adds a twist: part of your overtime can be deducted at filing time, though it does not change the size of each paycheck. Enter your numbers below to see your overtime pay, your take-home by pay period, and how the new deduction reaches you.
Weekly gross pay
Overtime pay is the full time-and-a-half amount for those hours. Gross is before taxes and deductions.
Per paycheck (take-home)
Per-paycheck figures apply 2026 federal income tax, FICA, and the state and local tax for the state you pick above. Add 401(k), HSA, and other pre-tax benefits in the full paycheck calculator for an even closer net.
2026 No Tax on Overtime deduction
The premium half of your overtime ($3,900 a year) qualifies for the 2026 federal deduction. It lowers your federal income tax by about $858 for the year, claimed when you file your return, not taken out of each paycheck. Your per-paycheck take-home above does not include it.
Social Security and Medicare (FICA) still apply to overtime pay, so this is an income-tax break only.
This estimate is for planning purposes only and does not constitute tax or financial advice. Actual paycheck withholding depends on your employer's payroll system, custom W-4 elections, additional income, and personal tax situation. For specific tax-planning decisions, consult a licensed CPA or tax professional.
Overtime pay at $30 an hour
Weekly overtime pay and gross at $30 an hour with a 40-hour regular week, plus estimated biweekly take-home for a single filer with 2026 federal tax and FICA and no state income tax.
| Overtime Hours / Week | Overtime Pay / Week | Gross / Week | Take-Home / Check |
|---|---|---|---|
| 0 | $0 | $1,200 | $2,012 |
| 5 | $225 | $1,425 | $2,345 |
| 10 | $450 | $1,650 | $2,661 |
How overtime and time-and-a-half work
The Fair Labor Standards Act sets the federal floor: non-exempt workers earn at least 1.5 times their regular rate for hours over 40 in a workweek. Some states add daily overtime or stricter rules. The regular rate is not always your base wage either; it can include certain bonuses and shift differentials. This tool uses your base hourly rate and treats your overtime hours as a steady weekly pattern, which fits a regular schedule better than a one-off crunch week.
Why your overtime check feels smaller
Picture a week with heavy overtime. The gross looks great, but the deposit can disappoint, and the reason is how withholding works. Payroll often estimates your annual tax as if every week looked like this big one, so it holds back more from that check. Your actual tax is figured on your real yearly income when you file, so a spike usually evens out as a refund. Overtime does not carry a special penalty rate. It rides the same brackets as your other wages.
How the 2026 overtime deduction reaches you
The 2025 tax law created a temporary deduction for qualified overtime, in effect for 2025 through 2028. Read the fine print before you count on it. Only the premium half of time-and-a-half qualifies, meaning the extra half times your rate, not the full overtime wage. The deduction has a dollar cap that depends on filing status and shrinks at higher incomes. You claim it on your federal return, so it lowers the tax you settle at filing rather than your paycheck. Social Security and Medicare still apply.
Frequently asked questions
How is overtime pay calculated?
Is overtime taxed at a higher rate?
What is double-time and when does it apply?
What is the 2026 No Tax on Overtime deduction?
How does pay frequency affect my overtime check?
Does FICA come out of overtime pay?
How to read these numbers
Treat these figures as a careful estimate, not a payroll quote. The take-home applies 2026 federal income tax, FICA, and the state and local tax for the state you choose, so it lands close to a real check in most places. Pre-tax benefits, a different W-4, or extra income shift the result. Use it to plan around an overtime stretch, then confirm the exact amount with your employer.
See also
Reviewed
How This Page Is Reviewed
The overtime pay calculator splits an hourly wage into regular, overtime, and double-time pay using the standard time-and-a-half and double-time multipliers, then runs the annual gross through the same 2026 federal, FICA, and state and local tax engine as the main paycheck calculator and slices the result to each pay frequency. The 2026 No Tax on Overtime deduction is shown as an annual return-time benefit on the premium half of overtime only, separate from per-paycheck withholding.
Reviewed by
PaycheckCalc Research Desk
Last reviewed
2026-06-25
Want to add 401(k), HSA, dependents, and other pre-tax benefits?
Open the full paycheck calculator →