Time Card Calculator · Practical guide
How to Calculate Overtime Pay After 40 Hours
The 40-hour rule with time-and-a-half math, worked out to the dollar on real weekly schedules.
At a glance
The Short Answer
Under the federal FLSA rule, the first 40 hours in a workweek are paid at your regular rate and every hour beyond that at 1.5 times your rate. At $20 per hour, a 45-hour week pays 40 x $20 + 5 x $30 = $950 gross.
Interactive tool
Time Card Calculator
Enter your own values, then compare the result with the examples below.
| Day | Clock In | Clock Out | Break (min) | Daily Hours |
|---|---|---|---|---|
| Monday | - | |||
| Tuesday | - | |||
| Wednesday | - | |||
| Thursday | - | |||
| Friday | - | |||
| Saturday | - | |||
| Sunday | - |
Results
The Overtime Formula
Gross pay = (regular hours x rate) + (overtime hours x rate x 1.5)
Overtime hours = total weekly hours minus 40 (or zero if you worked less). The calculator above applies exactly this split and lets you change both the threshold and the multiplier.
Overtime Pay at Common Rates
| Hourly Rate | 45 Hours | 50 Hours | 55 Hours |
|---|---|---|---|
| $15 | $712.50 | $825.00 | $937.50 |
| $20 | $950.00 | $1,100.00 | $1,250.00 |
| $25 | $1,187.50 | $1,375.00 | $1,562.50 |
| $30 | $1,425.00 | $1,650.00 | $1,875.00 |
Two Things That Change the Math
- Daily overtime states: some states (like California) also pay overtime after 8 hours in a single day. This calculator uses a weekly threshold — adjust the threshold field to match your situation.
- Double time: some employers pay 2x for holidays or hours past a higher cap. Change the overtime rate multiplier to 2 to model that.
What Overtime Adds Up To
Five overtime hours a week at $20 per hour is $150 extra per week — about $7,800 per year. Enter your own clock-in and clock-out times above to see your actual regular and overtime split for the week.
Frequently Asked Questions
Is overtime based on daily or weekly hours?
Federal law (FLSA) sets overtime at 40 hours per workweek. Some states add daily overtime, such as after 8 hours in a day, so check your state's rules and adjust the calculator's threshold accordingly.
Do salaried employees get overtime?
Some do. Salaried workers below the federal exempt salary threshold, and those whose duties do not qualify for an exemption, are entitled to overtime. Exempt employees like many managers and professionals are not.
Does PTO or holiday time count toward 40 hours?
Under federal law, no — only hours actually worked count toward the overtime threshold, though some employers choose to count paid leave by policy.
Is overtime pay taxed more?
No. Overtime is taxed as ordinary income at the same rates as your regular wages. A bigger withholding on an overtime-heavy paycheck is just the payroll system annualizing that check.