Overtime Pay Calculator 2026

Hours & Rate

$

Pay Breakdown

Annual Net Take-Home
$48,959
Per paycheck: $1,883
Regular Pay (annual)
$52,000
Overtime Pay @ 1.5x (annual)
$9,750
Gross Annual
$61,750
Annual taxes breakdown:
Federal$5,288
State$2,779
FICA$4,724
Total Taxes$12,791
Your overtime effective tax rate
27.3%
Net gain from OT this year: $7,090

Overtime Rules and the FLSA

The federal Fair Labor Standards Act (FLSA) requires that most non-exempt employees be paid at one-and-a-half times their regular rate of pay for any hours worked beyond 40 in a single workweek. Several states impose stricter rules — California, for example, mandates daily overtime after 8 hours and double-time after 12 hours in a day, or after 8 hours on the seventh consecutive day worked.

Whether a worker qualifies for overtime depends on the FLSA exemption tests: executive, administrative, professional, computer, and outside sales categories can exempt salaried employees who meet specific duty and salary-level requirements. Most hourly workers and many lower-paid salaried workers are non-exempt and entitled to time-and-a-half. Overtime wages are taxed at the same rates as regular wages — there is no special "overtime tax" — but a heavier paycheck can withhold more federal tax for that pay period, which evens out at tax time.

Frequently Asked Questions

How is overtime pay calculated?
Under the federal Fair Labor Standards Act (FLSA), non-exempt employees must be paid at least 1.5 times their regular rate for hours worked beyond 40 in a workweek. Some states and union contracts require double-time for hours past a certain threshold (commonly over 12 hours in a day or on the 7th consecutive day).
Is overtime taxed at a higher rate?
No — overtime is taxed at the same rates as regular wages. The reason your overtime check feels small is that the extra income may push you into a higher marginal bracket for that pay period, leading to higher withholding. But over the year, you'll only owe tax on the OT at your normal marginal rate.
Who qualifies for overtime under FLSA?
Most hourly workers are non-exempt and qualify for FLSA overtime. Salaried employees are exempt only if they meet specific tests for executive, administrative, professional, computer, or outside sales roles AND earn above the federal salary threshold. Job title alone doesn't determine exemption — duties matter most.
Does overtime affect my Social Security and Medicare?
Yes. Social Security (6.2%) and Medicare (1.45%) apply to overtime wages just like regular pay. Once year-to-date wages exceed the Social Security wage base ($168,600 in 2026), SS withholding stops. Medicare has no cap, plus an additional 0.9% surcharge kicks in above $200,000 ($250,000 married filing jointly).

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