Paycheck Calculator 2026 - Take Home Pay Calculator by State

Work out time and a half, double time, California daily overtime and tipped overtime for any week.

Overtime Pay Calculator 2026

Enter one week of hours, or log your shifts as you work them, and get your real overtime pay. This calculator uses the actual FLSA regular rate method, so bonuses and shift premiums are folded in the way the law requires, and tipped overtime is built on the full minimum wage rather than the reduced cash wage.

Weekly overtime and tip calculator

Pick a job to prefill, or type your own numbers.

Base hourly rate Your posted rate before any premium.

Overtime multiplier 1.5x, time and a half 1.75x 2x, double time Federal law requires at least 1.5x.

Total hours worked this week Every hour you were on the clock.

Overtime starts after Hours per week. Federal rule is 40.

Hours paid at double time Only if your contract or state gives double time. Leave 0 if unsure.

Double time multiplier 2x 2.5x 3x Used for the double time hours above.

Hours worked each day

Mon

Tue

Wed

Thu

Fri

Sat

Sun

This was my seventh straight working day California pays the first 8 hours of a seventh consecutive workday at 1.5x and anything past 8 hours at 2x. Tick this only if Sunday was day seven of an unbroken run.

How daily overtime works Over 8 hours in a day is 1.5x, over 12 hours in a day is 2x, and hours past 40 straight time hours in the week are also 1.5x. Hours already paid as daily overtime are not counted twice. Alaska, California, Colorado and Nevada all have some form of daily overtime.

Your shifts this week Clock in and out for each shift. Hours and tips add up on their own and the log stays saved in this browser.

Date	Clock in	Clock out	Break min	Tips	Hours

Apply daily overtime rules to these shifts Tick this if you work in California, Alaska, Colorado or Nevada. Hours past 8 in a single day go to 1.5x and hours past 12 go to 2x, on top of the weekly rule. Leave it off for the federal 40 hour rule only.

Overnight shifts and breaks are handled A shift that clocks out earlier than it clocked in is treated as crossing midnight, so 5pm to 1:30am reads as 8 hours 30 minutes. Break minutes are unpaid and come off the total. For daily overtime a shift belongs to the day it started, which is how the rule actually works. Fill in the date if you work two shifts in one day, so they get added together. Nothing leaves your device.

Extra pay that changes your overtime rate

Nondiscretionary bonus this week Production, attendance or safety bonuses that were promised in advance.

Shift differential or other premium Night, weekend or hazard pay in dollars for the week.

Why this matters These payments have to be added to your pay and then spread across every hour you worked before overtime is calculated. That raises your regular rate, which raises your overtime rate. Skipping this step is one of the most common ways overtime gets underpaid.

Tips and tip credit

I am a tipped employee and my employer takes a tip credit Tick this if you are paid a reduced cash wage because you earn tips. Servers, bartenders, bussers, barbers, nail techs, valets and hotel staff usually fall here.

State, to prefill the wage boxes Starting values from published state rates. Most states raise the minimum every January 1, so check yours and edit the boxes below if the numbers are out of date.

Cash wage your employer pays The hourly amount on your paycheck, before tips.

Full minimum wage that applies to you Use the higher of federal, state or city minimum wage.

Tips you actually received this week Cash plus card tips, after any lawful tip pool.

Mandatory service charges paid to you Auto gratuity on large parties is wages, not tips, and it raises your regular rate.

No tax on overtime and tips estimate

Weeks a year like this one Used only to annualise the estimate below.

Filing status Single or head of household Married filing jointly

Your federal marginal rate 10 percent 12 percent 22 percent 24 percent The rate on your last dollar of income.

Gross pay for the week $0.00 before taxes and deductions

Regular rate$0.00

Overtime rate$0.00

Overtime hours0

Pay breakdown for this week

What this overtime calculator actually does

Most overtime calculators multiply your hourly rate by 1.5 and stop there. That answer is right only when your rate is the single thing you get paid. The moment a bonus, a shift premium or a tip credit enters the picture, straight multiplication gives you the wrong number, and it almost always gives you a number that is too low.

This tool follows the method the Fair Labor Standards Act sets out. It adds up everything you earned for the week, divides by every hour you worked to get your regular rate, then applies the overtime multiplier to that rate. For tipped workers it goes a step further and builds overtime on the full minimum wage before subtracting the tip credit, which is the part employers get wrong most often.

Three ways to enter your week

The weekly tab is the fastest if you already know your total. The daily tab handles states that pay overtime by the day. The shift log is for anyone who would rather record shifts as they happen, which is how most servers, bartenders and hospitality staff actually track a week.

In the log you enter a clock in, a clock out, unpaid break minutes and the tips for that shift. Hours are worked out for you, overnight shifts are counted across midnight, and the whole week totals into the same calculation. The log saves in your own browser, so you can add Friday's shift on Friday and come back on Sunday to see the week. Nothing is uploaded anywhere.

Keeping your own record matters more than people expect. If a pay dispute ever comes up, a contemporaneous log of shifts and tips is the evidence that settles it, and your employer's timekeeping system is not something you control.

The regular rate is the number that matters

Overtime is not calculated on your posted hourly rate. It is calculated on your regular rate of pay, which is total straight time earnings divided by total hours worked. If those two numbers are the same, good. If you got a bonus, they are not.

Here is a case that shows the gap. You earn $20 an hour, you work 45 hours, and you get a $100 attendance bonus that was promised to you in advance.

Step	Wrong way	Correct way
Straight time earnings	$900	$900 plus $100 bonus, so $1,000
Regular rate	$20.00	$1,000 divided by 45, so $22.22
Overtime rate	$30.00	$33.33
Pay for 5 overtime hours	$150.00	$166.67
Week total	$1,000.00	$1,016.67

The bonus itself was paid either way. What went missing in the wrong column is $16.67 of overtime premium on the bonus. It looks small for one week. Across a year of weekly bonuses it is real money, and it is the single most common overtime error the Department of Labor finds in wage and hour investigations.

Which payments go into the regular rate

• Nondiscretionary bonuses. Anything promised in advance for production, attendance, quality or safety.
• Shift differentials. Extra for nights, weekends or undesirable shifts.
• Hazard and premium pay tied to the work itself.
• Commissions earned during the week.
• Mandatory service charges handed to you, such as auto gratuity on a party of eight. These are wages, not tips.

Which payments stay out

• Genuine discretionary bonuses where the amount and the decision were both up to the employer at the time.
• Gifts at holidays that are not tied to hours or performance.
• Paid time off, holiday pay and sick pay for hours you did not actually work.
• Reimbursed expenses such as mileage or tool allowances.
• True tips left voluntarily by the customer.

Time and a half, double time, and who owes what

Federal law gives you one overtime rule and it is simpler than most people expect. Hours over 40 in a single workweek get at least 1.5 times your regular rate. That is the whole federal requirement.

Federal law does not require double time, does not require overtime for working more than eight hours in a day, and does not require extra pay for weekends or holidays. When you hear about those, they come from a state law or from a contract.

Where daily overtime exists

A handful of states pay overtime by the day as well as by the week. California is the strictest and is what the daily tab in this calculator models.

• California. Over 8 hours in a day is 1.5x. Over 12 hours in a day is 2x. On a seventh consecutive workday, the first 8 hours are 1.5x and anything beyond is 2x.
• Alaska. Over 8 hours in a day is 1.5x.
• Nevada. Over 8 hours in a day is 1.5x for workers earning under a wage threshold tied to the state minimum.
• Colorado. Over 12 hours in a day, or over 12 consecutive hours, is 1.5x.
• Puerto Rico has daily overtime rules of its own.

When both a daily and a weekly rule could apply to the same hour, you get paid once, at the higher rate. The calculator handles that by counting daily overtime first and then applying the weekly rule only to hours that were still being paid at straight time.

Tipped overtime is where the real money hides

If your employer takes a tip credit, your paycheck shows a cash wage below minimum wage and your tips are expected to make up the difference. The federal floor is a $2.13 cash wage against a $7.25 minimum, so the tip credit is $5.12 an hour.

Now here is the part that gets fumbled constantly. Your overtime is calculated on the full minimum wage, not on the cash wage. The tip credit is subtracted afterwards, and it is subtracted at the same flat dollar amount, not multiplied.

Step	Wrong method	Correct method
Starting rate	$2.13 cash wage	$7.25 full minimum wage
Times 1.5	$3.20	$10.88
Subtract tip credit	nothing subtracted	minus $5.12
Overtime cash rate	$3.20	$5.76

That is $2.56 an hour missing. At six overtime hours a week for a year it comes to roughly $800 of unpaid wages, and it shows up on payroll systems that were set up carelessly rather than dishonestly. The calculator flags this comparison whenever you tick the tipped box and log overtime hours, so you can hold your stub up against the correct figure.

States where no tip credit is allowed

Seven states require the full state minimum wage in cash before tips. Alaska, California, Minnesota, Montana, Nevada, Oregon and Washington all ban the tip credit outright. If you work in one of those, your cash wage should equal the full minimum and your tips sit entirely on top.

The weekly minimum wage test

Tips have to actually cover the tip credit. If a slow week leaves your tips short, your employer has to make up the difference in cash so that your cash plus tips reaches at least the full minimum wage for every hour you worked. There is no averaging across weeks and no borrowing from a good week. The calculator runs this test and tells you when makeup pay is owed.

No tax on overtime and no tax on tips, what it really is

The 2025 tax law created two new federal deductions that run for tax years 2025 through 2028. They are deductions, not exemptions, and the names in the headlines oversell them.

• Qualified overtime. You can deduct the overtime premium only, meaning the extra half on top of your regular rate, not the whole overtime paycheck. The cap is $12,500, or $25,000 on a joint return.
• Qualified tips. Up to $25,000 of tip income in an occupation that customarily receives tips.

Both phase out once modified adjusted gross income passes $150,000 single or $300,000 joint. Both are available whether or not you itemize. Neither one touches Social Security or Medicare tax, so 7.65 percent still comes off every dollar, and neither one touches state income tax unless your state passes its own version.

The estimate in the calculator annualises the premium and tip figures from the week you entered, applies the caps, and multiplies by the marginal rate you chose. Treat it as a rough size check rather than a filing number.

How to read your pay stub against this

1. Add up the hours on the stub and confirm they match what you actually worked, including any pre shift or post shift time.
2. Find every dollar of pay that is not straight hourly, and check whether it was folded into the overtime rate.
3. Divide total straight time pay by total hours to get the regular rate yourself.
4. Compare the overtime rate on the stub to that number times 1.5.
5. If you are tipped, confirm the overtime rate started from the full minimum wage and not from your cash wage.

If the numbers do not line up, start with payroll and put it in writing. Most gaps are configuration mistakes that get corrected once someone looks. Where they do not, the federal statute of limitations for back wages is two years, and three years when the violation was wilful, so the clock is worth knowing about.

Frequently asked questions

How do I calculate overtime pay for 46 hours at $18 an hour?

Forty hours at $18 is $720. The six overtime hours are paid at $27, which is $18 times 1.5, giving $162. Gross for the week is $882. If you also received a bonus or shift premium that week, your regular rate climbs above $18 and the overtime rate climbs with it, which is exactly what this overtime pay calculator works out for you.

Is overtime calculated daily or weekly?

Under federal law it is weekly. Only hours past 40 in a single workweek trigger overtime, so four ten hour days is 40 hours with no overtime owed federally. Several states add a daily rule on top. California pays 1.5x past 8 hours in a day and 2x past 12, and Alaska, Nevada and Colorado have daily rules of their own. Use the daily tab if you work in one of those states.

Does a bonus change my overtime rate?

A nondiscretionary bonus does. If it was promised in advance for attendance, production, quality or safety, it has to be added to your earnings and spread across every hour you worked, which raises your regular rate and therefore your overtime rate. A genuinely discretionary bonus, where both the amount and the decision to pay were up to the employer at the time, stays out of the calculation.

What is the correct overtime rate for a tipped employee?

Take the full minimum wage that applies to you, multiply by 1.5, then subtract the tip credit as a flat dollar figure. At the federal floor that is $7.25 times 1.5, which is $10.88, minus the $5.12 tip credit, leaving $5.76 an hour in cash. Multiplying the $2.13 cash wage by 1.5 to get $3.20 is the mistake, and it underpays you by $2.56 for every overtime hour.

What is a tip credit and how much can my employer take?

The tip credit is the gap between the reduced cash wage your employer pays and the full minimum wage, which your tips are expected to fill. Federally the maximum is $5.12 an hour, being $7.25 minus $2.13. Many states cap it lower and seven states ban it entirely. Your employer can only claim the credit up to the tips you actually received, so a slow week means they owe you more cash.

Which states do not allow a tip credit?

Alaska, California, Minnesota, Montana, Nevada, Oregon and Washington all require the full state minimum wage in cash before tips. In those states your tipped minimum wage and your regular minimum wage are the same number, and every tip you earn sits on top of it rather than counting toward it.

What happens if my tips do not reach minimum wage?

Your employer has to top you up in cash for that workweek so that cash plus tips reaches at least the full minimum wage for every hour you worked. The test runs week by week. A strong week cannot be averaged against a weak one, and the shortfall cannot be carried forward. This calculator runs the test and tells you when makeup pay is owed.

Do I get double time for working over 8 hours a day?

Not under federal law, which has no daily overtime and no double time requirement at all. In California you get 1.5x past 8 hours in a day and 2x past 12 hours in a day. Anywhere else double time comes from a union contract, a company policy or an employment agreement rather than from statute. The double time calculator field lets you enter it when your contract provides it.

Is holiday pay or weekend pay required to be overtime?

No. Federal law treats a holiday or a Saturday as an ordinary workday. Extra pay for working them is a benefit your employer chose to offer. Overtime is owed only once your hours pass 40 in the week, or past a daily threshold in the few states that have one. Note that holiday pay for a day you did not work does not count toward the 40 hour total.

Does no tax on overtime mean my overtime is tax free?

No. It is a deduction on your federal return covering the overtime premium only, meaning the extra half above your regular rate, capped at $12,500 single or $25,000 joint for tax years 2025 through 2028. Social Security and Medicare still come off every dollar, your state may still tax it, and the deduction phases out above $150,000 of modified adjusted gross income, or $300,000 joint.

How does the no tax on tips deduction work?

Up to $25,000 of tip income can be deducted on your federal return for tax years 2025 through 2028, provided you work in an occupation that customarily receives tips. Your tips still need to be reported to your employer and still carry Social Security and Medicare tax. The same income phaseout applies, and mandatory service charges do not count because they are wages rather than tips.

Can my employer average two weeks to avoid paying overtime?

No. The workweek stands alone, even when you are paid every two weeks. If you work 50 hours one week and 30 the next, you are owed 10 hours of overtime for the first week. The 80 hour total across the pay period is irrelevant. Averaging across weeks is a violation, and it is a common one on biweekly payroll systems.

Am I exempt from overtime because I am paid a salary?

A salary alone does not make you exempt. You also have to clear a minimum salary level and your actual job duties have to fit the executive, administrative, professional, outside sales or computer employee tests. Job titles carry no weight. Plenty of salaried assistant managers and coordinators are legally entitled to overtime, and misclassification is one of the largest categories of wage claims.

Do unauthorised overtime hours still have to be paid?

Yes. If your employer knew or should have known you were working, the hours are payable, even if nobody approved them. That covers answering messages after your shift, finishing a closing task off the clock and skipping an unpaid break. Your employer can discipline you for breaking the rule. They cannot refuse to pay for the time.

How far back can I claim unpaid overtime?

Two years under federal law, extending to three years where the violation was wilful. Some states allow longer, and a few allow up to six years. Recovery can include liquidated damages equal to the unpaid amount, which effectively doubles it. Because the clock runs continuously, the practical advice is to raise a discrepancy in writing as soon as you spot it.

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This calculator is an educational estimate and not legal, tax or payroll advice. Minimum wage rates, tip credit limits and daily overtime rules change often and vary by state and city, so confirm the figures that apply to you before relying on them. Your own pay may differ because of union agreements, exemption status, alternative workweek schedules or local ordinances. For a wage dispute, contact your state labor agency or the federal Wage and Hour Division.