Overtime Pay Calculator: Hourly, OT, Double-Time

Last updated: July 17, 2026

What This Calculator Does

You earn $24 an hour. Your friend says they make $52,000 a year. Who makes more? This hourly to salary calculator answers that question instantly—and shows what happens when you add overtime pay to the equation.

Most people get the basic math right: $24/hour × 40 hours × 52 weeks = $49,920/year. But they miss the overtime piece. If you work 5 overtime hours weekly at 1.5× pay, that's an extra $9,360/year—pushing your total to $59,280. Suddenly you're making more than your salaried friend.

This calculator converts between hourly, weekly, monthly, and annual pay. Add overtime hours and double-time to see total compensation and your effective hourly rate (what you actually earn per hour when premium pay is factored in). Then it goes one step further than the gross number: pick your state and it estimates what actually lands in your bank account after federal tax, state tax, and FICA.

What You Actually Take Home From Overtime

The gross math is easy. At $26 an hour, an overtime hour pays $26 × 1.5 = $39, and eight of them add $312 to the week. The question that actually matters is how much of that $312 you keep, and that depends on where you live and how the tax on it is withheld.

Do you take home more from overtime? Yes, always. Overtime is extra gross pay, so your net goes up. What throws people off is the withholding: the take-home slice on an overtime check is usually smaller than on regular pay, which is not the same thing as taking home less. Enter your state above and the calculator shows the exact split for your numbers.

Is overtime taxed at a higher rate? No. There is no separate overtime tax rate. Overtime dollars stack on top of your regular pay, so they land in your highest tax bracket, and payroll often withholds a single big check as if that pace continued all year. That makes the withholding look steep. It's the same brackets working as designed, not a penalty, and any over-withholding comes back when you file. (IRS Publication 15-T, federal income tax withholding methods.)

Does overtime count toward Social Security tax? Yes. Overtime wages are ordinary wages, so the full 6.2% Social Security tax and 1.45% Medicare tax apply, the same 7.65% FICA you pay on regular hours. Social Security stops once your wages for the year pass the wage base (2026: $184,500, per the Social Security Administration); Medicare has no cap and keeps applying.

The Conversion Formulas

Two Workers, Two Calculations

Example 1: Warehouse Worker With Overtime

Derek earns $22/hour at a distribution center. He works 40 regular hours plus 8 overtime hours every week—mandatory during peak season.

Without overtime, Derek would earn $45,760/year. The 8 weekly OT hours add $13,728 annually—a 30% boost. His effective rate of $23.84/hour reflects the blended value of regular and overtime pay.

Example 2: Comparing Job Offers

Maria has two offers: a $58,000/year salaried position (no overtime) or $26/hour with potential for 5 OT hours weekly.

The hourly job pays $6,220 more annually—but Maria will work 260 extra hours. The salary job pays $27.88/hour for 40-hour weeks ($58,000 ÷ 2,080). She needs to decide if $6,220 is worth 260 hours of her time.

When to Use This (and When Not To)

Use It For:

• Comparing job offers: Convert everything to the same unit (annual or hourly) before deciding
• Budgeting: Know your monthly income for rent, loan applications, or savings goals
• Overtime planning: See how extra hours affect total pay and effective rate. Overtime is marginal income that's easy to spend without noticing. If you'd rather put it to work, the compound interest calculator shows what a recurring slice of that extra pay becomes over a couple of decades
• Freelance rate-setting: Figure out what hourly rate equals your target annual income
• Part-time income: Calculate annual earnings with fewer than 40 hours or 52 weeks

Don't Rely on It For:

• Your paycheck to the penny: the take-home estimate uses the standard deduction and assumes this pay level holds all year. Your real check depends on your W-4, 401(k), health premiums, and any other income. It's a close approximation, not the exact figure.
• Exempt employee overtime: Salaried exempt workers don't get OT pay regardless of hours
• Commission or bonus income: Variable pay needs to be calculated separately
• Benefits valuation: Health insurance, 401(k) match, PTO add 20-30% to compensation value

How We Calculate This

For the hours split, pick a rule. The federal FLSA preset pays 1.5× on hours over 40 in a week (29 U.S.C. §207; U.S. Department of Labor overtime guidance). The California preset applies the state's daily rules: 1.5× over 8 hours in a day, 2× over 12, and 7th-consecutive-day premiums, computed from the hours you enter for each day (California Labor Code §510; California DLSE). Custom lets you set your own overtime and double-time hours and multipliers for a union contract or a rule we don't list.

For take-home, we reuse the same withholding engine as our Salary Take-Home Calculator: IRS federal income tax brackets and standard deduction, your state's income tax, and FICA (Social Security up to the 2026 wage base of $184,500, plus Medicare). To isolate the tax on your overtime specifically, we compute your take-home with and without the overtime dollars; the difference is what those extra hours really add.

What we include: gross regular, overtime (1.5× default), and double-time (2.0×) pay; the FLSA weekly and California daily rules; effective hourly rate; and an after-tax take-home estimate covering federal, state, and FICA.

What we don't include: shift differentials, tips, bonuses, and piece-rate pay. The take-home estimate assumes the standard deduction and no other income, so it doesn't model 401(k), HSA, or city income taxes, and it applies the federal weekly rule for states other than California whose own daily rules we haven't verified. To layer overtime onto a full-year salary with those deductions, or to add a specific city, open the Salary Take-Home Calculator.