How to use the overtime calculator
- Enter your regular hourly rate.
- Enter your regular hours (usually 40) and overtime hours for the week.
- Choose time and a half (1.5×) or double time (2×) for overtime, and add any extra double-time hours.
- Set how many weeks a year look like this to see a yearly figure.
Example: $22 an hour
| Overtime hours a week | Week | Year (52 weeks) |
|---|---|---|
| 0 | $880 | $45,760 |
| 5 | $1,045 | $54,340 |
| 10 | $1,210 | $62,920 |
| 15 | $1,375 | $71,500 |
| 20 | $1,540 | $80,080 |
Ten hours of overtime every week would add more than $17,000 a year. With 8 hours of overtime, your average pay across all 48 hours is about $23.83 an hour.
Time and a half for common rates
| Hourly rate | Time and a half | Double time |
|---|---|---|
| $15 | $22.50 | $30 |
| $18 | $27 | $36 |
| $20 | $30 | $40 |
| $25 | $37.50 | $50 |
| $30 | $45 | $60 |
Overtime rules in brief
- Federal (FLSA): non-exempt employees get at least 1.5× for hours over 40 in a workweek. A workweek is a fixed 7-day period; hours can't be averaged across two weeks.
- Daily overtime: a few states, including California, require overtime after 8 hours in a day, and double time after 12 hours in a day.
- Regular rate: some bonuses and shift differentials must be included when working out your overtime rate.
- Exempt employees: many salaried professionals aren't owed overtime.
Check your state labor department for local rules; this calculator handles any mix of time-and-a-half and double-time hours you enter.
Overtime and taxes
Overtime is ordinary income. A big overtime week can be over-withheld because payroll treats that paycheck as if it were your regular pay, but you'll get the difference back when you file if you overpaid. To see what an extra paycheck really adds after tax, use the take-home pay calculator.
Don't build your budget on overtime
Overtime is great, but it can vanish when the busy season ends. A safer plan:
- Build your monthly budget on your regular hours only.
- Send overtime pay straight to a goal: an emergency fund, extra debt payments or savings.
- If overtime is steady for months, consider asking for a pay raise instead: it's guaranteed and comes without the extra hours.
For hourly-to-yearly conversions without overtime, see the salary calculator.
Plan around variable paychecks
Flow is a budget planner built around paydays: it shows what's safe to spend until the next check, so a big overtime week becomes progress instead of extra spending. Vault keeps income, bills and goals on one dashboard. Both have a free demo with sample data.
Gross pay before taxes and deductions. Overtime rules vary by state and job; this is not legal advice.
Frequently asked questions
How do I calculate time and a half?
How much is time and a half for $20 an hour?
When do I get overtime pay?
What is double time?
Is overtime taxed more?
Do salaried employees get overtime?
Written by
Finance Specialist & Editor, VaultlyApps
Emma Whitfield writes and edits the VaultlyApps money guides and free calculators. Her focus is US household finance — budgeting on a real paycheck, paying down credit card and student debt, emergency funds and savings goals, renting — and the money side of freelancing and small-business income, from pricing and profit margins to self-employment tax. Every guide is researched against primary sources such as IRS publications and the CFPB, every number is checked in our tested calculators, and tax content is reviewed each year when new IRS figures come out. Emma is not a licensed financial adviser or tax preparer; her work is general education, not personal advice.
Researched against primary US sources, checked against independent calculators and reviewed by a finance expert on our team. Written for US readers — general education, not financial, tax or legal advice. Editorial policy · Disclaimer
