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Overtime Calculator

Work out your overtime pay and total earnings for any pay period. Enter your hourly rate, the regular and overtime hours you worked, and pick a multiplier (time-and-a-half by default). See your pay broken down by period, projected over the year, your blended hourly rate, and an optional estimate after tax.

Your details

Hours paid at your normal rate this pay period.
Time-and-a-half is the US federal minimum for hours over 40 in a week.
The hours you entered are treated as one pay period; annual figures scale from this.
Currency
Total gross pay (this period)
$950.00
Regular pay$800.00
Overtime pay$150.00
Overtime hourly rate$30.00
Blended hourly rate$21.11
Projected annual gross$49,400
Annual overtime pay$7,800
Regular pay$800.00
Overtime pay$150.00

Your total gross pay this week is 950.

  • Overtime is paid at 1.5× your rate, 30 per hour, adding 150 this week.
  • Across all the hours you worked, your blended (effective) rate is 21.11 per hour.
  • At this pace, that is about 49,400 gross per year, including 7,800 from overtime.
  • This is gross pay; income tax and other deductions come out of the total.

Next stepSwitch the overtime rate to double time (2×) to see what holiday or high-threshold hours would pay.

Formula

total=(rate×reg)+(rate×m×OT),blended=totalreg+OT\text{total} = (\text{rate}\times\text{reg}) + (\text{rate}\times m \times \text{OT}), \quad \text{blended} = \frac{\text{total}}{\text{reg}+\text{OT}}

Worked example

$20/hr, 40 regular hours and 5 overtime hours at 1.5×, paid weekly: regular $800, overtime 5 × $30 = $150, total $950. Blended rate $950 / 45 = $21.11/hr, and about $49,400 gross per year (× 52).

How overtime pay is calculated

Overtime pay multiplies your regular hourly rate by an overtime factor for each qualifying hour. The most common factor is time-and-a-half (1.5×), so a $20 rate becomes $30 per overtime hour. Total gross pay is your regular hours at the normal rate plus your overtime hours at the higher rate. Some situations use double time (2×) or even triple time (3×), such as holidays or hours beyond a daily threshold in certain jurisdictions. This calculator lets you pick a preset or enter any custom multiplier.

Pay period, annual projection and blended rate

The hours you enter are treated as one pay period. Choose weekly, bi-weekly, semi-monthly or monthly and the calculator projects your gross over a full year by multiplying by the number of periods (52, 26, 24 or 12). It also reports your blended hourly rate, which is total pay divided by every hour worked. Because overtime hours pay more, your blended rate sits above your base rate, a quick way to see how much overtime lifts your effective pay.

When overtime applies

Rules vary by country and employer. In the United States, the Fair Labor Standards Act requires covered, non-exempt employees to receive at least 1.5× their regular rate for hours worked beyond 40 in a workweek. Other places set daily thresholds or different multipliers, and some roles are exempt entirely. Check your local labor rules or contract to know which hours qualify and at what rate.

Gross pay versus take-home

The totals shown here are gross pay, before income tax, social security or other deductions. Turn on the take-home estimate and enter a blended tax-and-deduction rate to see roughly what lands in your account. Overtime can push part of your income into a higher tax bracket for that period, but only the amount above the threshold is taxed at the higher rate, so working overtime still increases your take-home pay.

Common overtime multipliers and pay frequencies

ItemValueNotes
Time and a half1.5×US federal minimum for 40+ hours in a week
Double time2.0×Common for holidays or daily-threshold hours
Triple time3.0×Some union or holiday agreements
Weekly52 periods/yearPaid every week
Bi-weekly26 periods/yearPaid every two weeks
Semi-monthly24 periods/yearTwice a month
Monthly12 periods/yearOnce a month

Typical overtime rates and how many pay periods each frequency has in a year.

Frequently asked questions

What is time-and-a-half?

Time-and-a-half means each overtime hour is paid at 1.5 times your normal hourly rate. If you earn $20 an hour, time-and-a-half is $30 an hour for qualifying overtime.

What is the blended (effective) hourly rate?

Your blended rate is total pay divided by every hour you worked, both regular and overtime. Because overtime hours pay more, the blended rate is higher than your base rate. It is a useful way to see your real average earnings per hour for the period.

How do the annual figures work?

The calculator treats your entered hours as a single pay period, then multiplies the period total by the number of pay periods in a year for your chosen frequency: 52 for weekly, 26 for bi-weekly, 24 for semi-monthly and 12 for monthly. It assumes the same hours each period, so treat it as a projection.

Is overtime taxed more?

Overtime is taxed at your normal rates. It can feel like more is withheld because the extra income may fall in a higher bracket, but only the portion above each threshold is taxed at the higher rate, so your overall take-home still rises. Use the take-home estimate for a rough after-tax figure.

Who is entitled to overtime?

It depends on your country, employer and job classification. Many hourly employees qualify, while some salaried or exempt roles do not. Your contract or local labor authority is the definitive source.

Sources

Written by Sarah Klein, CFP Certified Financial Planner · Chicago, USA

Fifteen years translating mortgage tables and amortization schedules into decisions that actually help real borrowers.

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