PPaycheck Calculator Pro
OVERTIME PAY ESTIMATE

Overtime calculator

Combine regular earnings with overtime pay and estimate your paycheck. The federal qualified-overtime deduction is optional, with eligibility limits explained.

Your pay details

Change any field to update the gross estimate.

01 / INPUT

Regular resident wages, 2020+ federal W-4, latest supported 2026 state tables. Not for historical paychecks, bonuses, nonresident allocation, or multistate payroll.

Earnings

Overtime is included in taxable wages. An overtime-related withholding adjustment must be elected through W-4 Step 4(b) below; it is not automatic.

Tax context
Deductions

Enter deductions for one pay period. Other pre-tax reduces income-tax wages but not FICA; use only qualifying deductions. Dollar elections below specify annual or per-paycheck amounts separately.

Federal W-4 elections

Planning inputs only. This does not submit an electronic W-4; your employer uses the form you file with them. Leave blank anything you did not enter on your W-4.

Annual dollars
Annual dollars
Annual dollars
Dollars per paycheck
Year-to-date taxable wages

Taxable wages earned before this paycheck from the same employer—not tax already withheld. Blank means 0.

Wages before this paycheck
Wages before this paycheck
State withholding

Select a state to see its withholding choices.

Local and other payroll

Known actual dollar amounts per paycheck, not rates. Blank means 0.

Dollars per paycheck
Dollars per paycheck
ESTIMATED TAKE-HOME PAY
Complete the inputs
Enter pay, state, and filing status to calculate.
Paycheck breakdownBIWEEKLY
Gross pay · every 2 weeks gross$0.00
Federal income tax · estimate—
State income tax · estimate—
Social Security · estimate—
Medicare, including any additional tax—
Pre-tax deductions—
Post-tax deductions—
Local tax · entered amount—
Other payroll · entered amount—
Estimated net pay—
Choose your tax contextSelect a U.S. state and filing status. Tax lines stay blank until these are selected.
Withholding estimates use current employer tables and the elections entered. Annual totals repeat this paycheck—not future wage-cap changes. Local taxes, disability, and paid leave require actual entered amounts. Historical or special payroll methods are not supported.
Paycheck & Tax Guides

Understand the numbers behind your paycheck.

Practical 2026 explanations with IRS and state sources. Learn what an estimate can—and cannot—tell you.

How overtime pay is taxed in 2026Overtime can increase your withholding without having its own permanent tax rate. The 2026 deduction has specific limits—and does not make your entire overtime check tax-free.California paycheck guide: DE 4, income tax, and SDICalifornia personal income-tax withholding and State Disability Insurance are different deductions. Check them separately before comparing net pay.How to calculate take-home payA good estimate starts with the right earnings period and separates taxes from benefits. Use your pay stub to make each input meaningful.
Browse all paycheck & tax guides
GUIDE

See what overtime adds to your paycheck

Gross overtime earnings equal your regular hourly rate multiplied by overtime hours and the applicable overtime multiplier. Regular earnings are calculated separately and added to that total.

01

Enter regular and overtime hours separately

Do not include the same hours in both fields. The multiplier starts at 1.5 for time-and-a-half, but you should enter the rate that applies to your work. The calculator does not decide whether an employee is exempt or whether particular hours legally qualify for overtime. Bonuses and other compensation can affect the FLSA regular rate, which this simplified hourly input does not determine.

02

The federal deduction is not a blanket tax exemption

For eligible FLSA-required overtime, the federal deduction covers the qualifying premium above regular pay—not all overtime wages. The modeled premium is capped at half the entered regular rate. Annual deduction limits are $12,500 for non-joint filers and $25,000 for joint filers; married filing separately is not eligible. The deduction phases out above $150,000 of modified adjusted gross income, or $300,000 on a joint return, using completed $1,000 increments.

03

Payroll taxes still apply

Applying the qualified-overtime deduction lowers federal taxable income in this model. It does not remove Social Security or Medicare tax. State income tax is calculated without that federal overtime deduction; state conformity rules may differ. Other income can change your modified adjusted gross income and eligibility. Use your employer-reported qualified overtime amount when preparing a return.

04

Withholding versus annual tax estimates

Default mode uses the 2026 IRS employer method and current state withholding tables with W-4 and state certificate inputs. Weekly, biweekly, semimonthly, monthly, and annual schedules use 52, 26, 24, 12, and 1 pay periods.

The annual tax estimate toggle retains the older simplified liability model. It is not a substitute for payroll tables or a complete tax return. In withholding mode, any overtime-related withholding deduction must be entered through federal W-4 Step 4(b), rather than automatically applied to overtime wages.

Frequently asked questions

Is all overtime pay tax-free?

No. The optional federal deduction applies only to eligible qualified overtime compensation, has an annual cap and income phaseout, and does not eliminate payroll taxes.

Does double-time pay qualify for a larger federal deduction?

Not automatically. This model caps the qualifying FLSA premium at half your regular hourly rate. The rest of double-time pay still counts toward gross wages.

Why can overtime withholding look unusually high?

A larger paycheck may be annualized by payroll as if you earn that amount every period. Actual withholding and your final annual tax liability are not necessarily the same.

HOW WE ESTIMATE

Understand the calculation.

Default mode follows IRS Publication 15-T Worksheet 1A for a 2020-or-later W-4 and each supported state’s current employer formula. W-4 credits and annual adjustments affect federal withholding; state elections follow the state certificate independently.

Social Security withholds 6.2% on this check’s remaining wages under the $184,500 employer wage cap. Medicare withholds 1.45%, plus 0.9% on wages crossing the employer’s $200,000 threshold, regardless of filing status. Enter taxable wages before this paycheck in the YTD controls. Traditional retirement deferrals remain subject to FICA; qualifying cafeteria-plan health premiums are assumed FICA-exempt.

Annual projections repeat this check. The separate annual tax estimate mode retains a limited legacy liability model and uses filing-status Medicare liability thresholds; it does not represent paycheck withholding. Overtime is not automatically exempt from withholding or FICA. Use W-4 Step 4(b) for an elected overtime-related withholding deduction.

TAX YEAR 2026

Sources & assumptions

Regular resident wage withholding only. Not for 2019-or-earlier W-4 forms, historical pay dates, supplemental/bonus methods, multistate allocation, reciprocity, pensions, or special employer methods. State wage overrides and entered local/other payroll dollars are used as supplied, not independently verified. Each state section identifies its table and effective period. DC withholding is not verified and is unavailable rather than silently using annual brackets. Legacy annual mode omits many state adjustments and later amendments. This is a planning estimate, not tax advice or a guarantee of your employer’s exact result.