2026 Calculator
Hourly Paycheck Calculator 2026 - With Overtime + Take-Home Pay
Enter your hourly rate and hours. Overtime is paid at 1.5x for hours over 40, then federal tax, 6.2% Social Security and 1.45% Medicare come out of each 2026 paycheck.
Hourly Paycheck Calculator 2026 - With Overtime + Take-Home Pay
Turn an hourly wage into a paycheck. The calculator adds regular pay and overtime at 1.5x (the FLSA minimum for hours over 40), then subtracts 2026 federal income tax, 6.2% Social Security and 1.45% Medicare. It also estimates the federal no-tax-on-overtime deduction on the premium part of your overtime pay.
How This Hourly Paycheck Calculator With Overtime Works
- Weekly pay: regular hours x hourly rate, plus overtime hours x (hourly rate x multiplier).
- Annual pay: weekly pay x 52.
- Per paycheck: annual pay divided by 52 (weekly), 26 (every two weeks), 24 (twice a month) or 12 (monthly).
- Federal income tax: the 2026 brackets applied to annual pay minus the standard deduction ($16,100 single), spread across your paychecks.
- FICA: 6.2% Social Security on pay up to $184,500, and 1.45% Medicare on all pay.
The result is an estimate of what an employer would withhold over a year. Your actual withholding depends on your W-4, and your actual tax is settled on your return.
Overtime Pay and the No Tax on Overtime Deduction
For covered employees, the Fair Labor Standards Act requires overtime of at least 1.5 times the regular rate for hours over 40 in a workweek. Of that overtime pay, only the premium, the part above your regular rate, counts for the federal overtime deduction (IRC §225). At time-and-a-half, that is one third of your overtime pay.
- Cap: $12,500 a year ($25,000 married filing jointly).
- Phase-out: the cap shrinks by 10% of modified AGI above $150,000 ($300,000 joint). The calculator uses your annual pay as an estimate of modified AGI.
- Married filing separately: not eligible.
- Not on your paycheck: the deduction is claimed on your federal return. It does not reduce Social Security or Medicare.
For more detail, including the premium rules for double time, use the no tax on overtime calculator.
Worked Examples With 2026 Figures
Example 1: $18 an hour, 40 hours + 10 overtime hours a week, single, paid every two weeks
Annual pay: $51,480; per paycheck: $1,980.00
Federal income tax: $153.75; Social Security: $122.76; Medicare: $28.71
Take-home per paycheck: $1,674.78
Overtime premium for the year: $4,680; overtime deduction: $4,680
Federal income tax reduction at filing: $562
Example 2: $30 an hour, 40 hours + 15 overtime hours a week, married filing jointly, paid weekly
Federal income tax: $141.15; Social Security: $116.25; Medicare: $27.19
Take-home per paycheck: $1,590.41
Overtime premium: $11,700, under the $25,000 joint cap
Federal income tax reduction at filing: $1,404
Example 3: $25 an hour, 40 hours + 20 overtime hours a week, single (cap reached)
Overtime premium: $13,000, limited to the $12,500 single cap
Federal income tax reduction at filing: $2,750
Hourly Pay to Annual Salary and Take-Home Pay
Full-time, 40 hours a week for 52 weeks, no overtime, single filer, paid every two weeks:
| Hourly rate | Annual salary | Gross per paycheck | Take-home per paycheck |
|---|---|---|---|
| $15.00 | $31,200 | $1,200.00 | $1,048.05 |
| $18.00 | $37,440 | $1,440.00 | $1,240.89 |
| $20.00 | $41,600 | $1,600.00 | $1,369.45 |
| $25.00 | $52,000 | $2,000.00 | $1,690.85 |
| $30.00 | $62,400 | $2,400.00 | $2,012.25 |
| $40.00 | $83,200 | $3,200.00 | $2,590.82 |
To convert between hourly and salary in either direction without taxes, use the hourly to salary calculator. For a salaried paycheck, use the paycheck calculator.
What This Calculator Leaves Out
- State and local income tax. See the state paycheck calculators linked from the paycheck calculator.
- Pre-tax deductions such as 401(k) contributions and health insurance premiums.
- Your W-4 choices, credits such as the child tax credit, and other income.
- Unpaid weeks. Annual figures assume 52 paid weeks.