Overtime Paycheck Calculator — Gross and Net Pay with OT
See your full paycheck breakdown including regular pay, overtime at any multiplier, estimated income-tax withholding, FICA, and other deductions — then get the net take-home amount and an annual estimate.
$/hr
hrs
hrs
Pay period
%
$
Gross pay minus estimated income tax, FICA and other deductions
$1,100
Gross payNet take-home
70.3%
Income tax
22%
FICA
7.6%
Other deductions
0%
- 1
Regular pay
20 × 40 = 800 - 2
Overtime pay
20 × 1.5 × 10 = 300 - 3
Gross pay
800 + 300 = 1,100 - 4
Income tax withheld
1,100 × 22% = 242Estimated combined federal + state income tax at the rate you entered. - 5
FICA (7.65%)
1,100 × 7.65% = 84.15 - 6
Net paycheck
1,100 − 242 − 84.15 − 0 = 773.85
How does this calculator work?
Net paycheck = gross pay − income tax − FICA (7.65%) − other deductions. Gross = (rate × regular hours) + (rate × OT multiplier × overtime hours). Enter your hourly rate, hours, estimated combined tax rate and deductions to see take-home pay and an annual estimate.
Formula
How this is calculated
The calculator first builds your gross pay from two components: regular hours at the base rate, and overtime hours at the rate multiplied by your overtime multiplier (typically 1.5 for time and a half, or 2.0 for double time). Gross pay = (rate × regular hours) + (rate × multiplier × overtime hours).
From gross pay, three classes of deductions are subtracted. The income tax estimate uses the percentage you enter — enter your combined federal and state marginal rate for the most accurate estimate; a common US federal bracket for middle incomes is 22%. FICA (Federal Insurance Contributions Act) is added automatically at the 2024 employee rate of 7.65% (6.2% Social Security + 1.45% Medicare). Other deductions cover fixed per-period amounts such as health insurance premiums or 401(k) contributions.
Results are estimates: actual withholding depends on your W-4 allowances, year-to-date earnings (Social Security caps at $168,600 for 2024), state-specific rules and other factors. Consult your pay stub or a payroll professional for precise figures.
Frequently asked questions
FICA (Federal Insurance Contributions Act) covers Social Security (6.2%) and Medicare (1.45%) taxes — a combined 7.65% employee share. Yes, FICA applies to overtime pay at the same rate. Social Security has an annual wage base limit ($168,600 for 2024); Medicare has no cap.
Your federal marginal rate depends on your filing status and taxable income: 10%, 12%, 22%, 24%, 32%, 35% or 37% for 2024. Add your state income tax rate to get the combined marginal rate. For a rough estimate, many full-time US workers use 22–24% federal plus 3–9% state.
Not by a special "overtime tax" — all wages are taxed at the same income-tax rates. However, a pay period with overtime will have higher gross pay, which may push some of those dollars into a higher bracket and result in more withholding for that cheque. Your actual full-year tax is based on total annual income.
Also known as
TG we-Calculate Editorial Team. (2026). Overtime Paycheck Calculator — Gross and Net Pay with OT [Online calculator]. TG we-Calculate. https://we-calculate.com/calculator/overtime-paycheck-calculator
TG we-Calculate Editorial Team. "Overtime Paycheck Calculator — Gross and Net Pay with OT." TG we-Calculate. 2026. https://we-calculate.com/calculator/overtime-paycheck-calculator.
TG we-Calculate Editorial Team, "Overtime Paycheck Calculator — Gross and Net Pay with OT," TG we-Calculate, 2026. [Online]. Available: https://we-calculate.com/calculator/overtime-paycheck-calculator
@misc{wecalculate_overtime_paycheck_calculator, title = {Overtime Paycheck Calculator — Gross and Net Pay with OT}, author = {{TG we-Calculate Editorial Team}}, howpublished = {\url{https://we-calculate.com/calculator/overtime-paycheck-calculator}}, year = {2026}, note = {TG we-Calculate} }
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