Overtime tax calculator
Compare take-home pay with and without extra overtime.
RESULT
Estimated take-home pay
Your breakdown will appear here
Choose a state and enter your pay. Then select Show my take-home estimate to see taxes, deductions, and take-home pay.
Try an example to see how it works.
How much overtime pay will I actually keep?
Compare the same paycheck twice: once with your normal gross pay and once with your added overtime earnings. The difference in take-home pay is the useful number for a shift decision. Your full overtime earnings include both the regular-rate pay and the additional premium.
Example: an extra $300 on a weekly check
A $1,000 weekly check has $78.08 federal withholding, $62 Social Security, and $14.50 Medicare, leaving $845.42. A $1,300 check has $116.19 federal withholding, $80.60 Social Security, and $18.85 Medicare, leaving $1,084.36. The difference is $238.94. No state wage tax, local tax, benefits, insurance, W-4 adjustments, or previous year-to-date wages are included in this example.
Is overtime taxed at a higher rate?
There is no separate regular-paycheck federal tax bracket just for overtime. Withholding annualizes the larger paycheck, so part of the added wages can fall into a higher bracket. That does not put all of your income into the higher bracket. Employers can use different withholding methods for supplemental wages; this calculator models regular-paycheck withholding, not the optional flat supplemental rate. IRS Publication 15-T explains the method and limits.
Should I enter the overtime premium or the whole overtime amount?
Enter the full added gross earnings. Eight added hours at $25 with a 1.5× rate produce $300, not just the $100 additional half-time premium. If straight time for those hours is already in your base check, enter only the earnings not already counted. Read the 0.5× versus 1.5× paycheck guide.
What about “no tax on overtime”?
The qualified federal deduction applies to eligible FLSA-required premium compensation, subject to limits. It does not make all overtime earnings exempt from every tax. Overtime generally remains subject to Social Security and Medicare. An updated W-4 may account for an expected deduction; copy its Step 4(b) amount rather than subtracting all overtime wages. Sources: IRS qualified-overtime withholding guidance and IRS FICA guidance.
Can I use this to decide whether to take another shift?
Yes, for the supported paycheck setup. First get the correct extra gross earnings under the applicable pay rules. Then compare after-tax earnings here. Benefit, local-tax, and insurance entries stay fixed in this comparison. If those deductions rise, the actual gain is lower. This is a paycheck-withholding comparison, not a forecast of your final annual tax.
Plan extra-shift gross pay · Choose a state paycheck calculator · Read the full tax method
Paycheck calculators by state
Choose a state for its tax assumptions, source dates, and worked examples.
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