VERSION v11 • 2025-09-26 05:24 • build-id: state-thick-content
1) Pay details
2) Deductions & taxes (simple estimate)
Note: Taxes here are **rough estimates** for planning. For exact withholding, check your paystub and W‑4/W‑2 settings.
Results
| Item | Amount |
|---|---|
| Net Pay | $0.00 |
Effective rates
CA Daily OT Assistant (beta)
Enter hours worked each day; we’ll estimate OT1.5/OT2.0 per CA daily rules (simplified).
Simplified CA logic: >8 hrs/day at 1.5× (to 12), >12 hrs/day at 2×; Day 7: first 8 hrs at 1.5×, >8 hrs at 2×.
How this works
We compute regular pay + overtime multipliers (1.5× and 2.0×). Then we subtract pre‑tax amounts, estimate federal/state withholding by the simple percentages you choose, and optionally apply **FICA (≈7.65%)**. That yields an approximate take‑home. For exact withholding, your employer’s payroll settings (W‑4, allowances, local taxes) control the numbers.
What this site does
Use this tool to estimate your take‑home pay when overtime is involved. Enter your base hourly rate, scheduled hours, and any overtime (time‑and‑a‑half or double‑time). We’ll calculate your gross pay, withhold estimated taxes, and show your net paycheck so you can plan with confidence.
How it works
- Enter your info: hourly rate, regular hours, overtime hours, pay frequency, and state.
- Choose overtime type: time‑and‑a‑half (1.5×) or double‑time (2.0×). You can mix both.
- We estimate taxes: federal, FICA, and state where applicable. These are estimates, not advice.
- See your results: gross pay, taxes, and take‑home for this paycheck and year‑to‑date projections.
Quick examples
- Hourly $20, 40 regular hrs, 8 overtime (1.5×): Overtime rate is $30/hr; overtime pay is $240; total gross increases accordingly.
- Hourly $28, 36 regular hrs, 12 overtime (2.0× on Sunday): Sunday double‑time boosts gross; taxes scale with higher gross.
Adjust the sliders or inputs to match your schedule—results update instantly.
Overtime basics
“Time‑and‑a‑half” generally means 1.5× your regular rate for hours beyond 40 in a workweek (common in the U.S.). Some employers or states offer daily overtime or double‑time for specific days. Always confirm your employer’s policy and your state’s rules.
Tips to maximize your paycheck
- Track your hours daily so nothing is missed.
- If you’re close to a threshold, ask whether a shift qualifies for overtime or double‑time.
- Consider pre‑tax deductions (401(k), HSA) which can change your take‑home.
- Review your pay stub and compare with our breakdown to catch errors.
Overtime math explained
Your overtime rate is based on your regular rate of pay. For hourly workers, that’s usually your hourly wage. For some salaried roles, the regular hourly rate is your weekly salary divided by the number of hours the salary is intended to cover.
Formulas you can check
- Time-and-a-half OT rate = hourly rate × 1.5
- Double-time OT rate = hourly rate × 2.0
- Gross pay = (regular hours × hourly rate) + (OT1.5 hours × hourly rate × 1.5) + (OT2.0 hours × hourly rate × 2.0)
Our calculator uses these formulas to compute gross pay and then estimates taxes to show take-home pay.
State snapshots (overview)
Overtime rules vary by state. Here’s a quick high-level overview. Always confirm your employer policy and state regulations.
- Most states: Weekly overtime after 40 hours at time-and-a-half.
- California (common example): Daily OT after 8 hours, double-time after 12 hours (some exceptions apply).
- Alaska/Colorado/Nevada: Daily overtime rules for certain industries or conditions.
- Public/union roles: Contract terms may add holiday OT or double-time.
Note: This site provides estimates only and does not replace official guidance.
What’s in a paycheck?
- Gross pay: Your total before taxes and deductions.
- FICA taxes: Social Security and Medicare.
- Federal income tax: Withholding based on filing status and taxable income.
- State/local tax: If applicable in your location.
- Pre‑tax deductions: 401(k), HSA, traditional IRA, certain health premiums (these reduce taxable income).
- Post‑tax deductions: Roth contributions, garnishments, or after‑tax benefits.
- Net pay (take‑home): Gross minus taxes and deductions.
Quick glossary
- Regular rate: The base hourly rate used to compute OT multipliers.
- Pay frequency: Weekly, biweekly, semimonthly, or monthly (affects per‑check amounts).
- W‑4 settings: Your withholding choices that influence federal withholding.
- YTD: Year‑to‑date totals for earnings and taxes.
Troubleshooting your paycheck
- Compare hours on your pay stub with your timesheet—especially OT and double‑time hours.
- Check whether holiday or weekend rules apply to your shift.
- Verify your pay frequency and that your W‑4 details are current with HR.
- Look for pre‑tax deductions (401(k), HSA) that might explain a lower take‑home.
Planning tips
- Preview your check here before accepting extra shifts so you know the impact.
- Use pay frequency to plan bills—overtime can widen pay swings between checks.
- Consider earmarking a portion of OT pay for savings or debt payoff.
What’s new
- Content: Added clear OT formulas, state snapshots, paycheck anatomy, glossary, and planning tips.
- UX: Kept your original design; this is a text‑only upgrade to help with clarity and SEO.
FAQ
Does this include taxes?
Yes—federal, FICA, and state where applicable. These are estimates based on typical rates, not personalized tax advice.
Can I switch between time‑and‑a‑half and double‑time?
Yes. Enter hours for each overtime type to see the impact.
Is this legal or financial advice?
No. This tool is for educational estimates only. Check your pay stub and employer’s policies for exact amounts.