Transparent US Overtime & Paycheck Calculations on a Single Page
MyOvertimePay provides free, independent US overtime and take-home pay calculators designed to give American workers complete visibility into their earnings. We run the full wage chain — from worked hours and state-specific statutory overtime to federal taxes, FICA, state and local withholdings, and the 2025–2028 OBBBA overtime deduction — without accounts or paywalls.
What the Site Is: The Full Gross-to-Net Wage Chain
Most payroll calculators force you into fragmented steps: one tool gives gross overtime hours, another calculates standard paycheck tax, and neither accounts for state daily overtime laws or new legislative deductions. MyOvertimePay unites the entire chain on a single page.
Worked Hours & Shift Inputs
Captures actual hours worked, distinct shift patterns, 7th-day rules, and regular straight-time wage rates.
State Statutory Overtime Rules
Applies codified state labor statutes — including California § 510 daily & double-time, Alaska 8h daily, Colorado 12h daily, and Nevada wage-threshold rules.
Federal Income Tax Withholding
Computes marginal federal withholdings based on published 2026 IRS Publication 15-T wage bracket and percentage methods.
FICA Payroll Taxes
Deducts 6.2% Social Security (up to the 2026 $176,100 taxable wage ceiling) and 1.45% Medicare (+ 0.9% Additional Medicare for high earners).
State & Local Income Tax
Calculates precise state income tax brackets across all 50 states and DC, plus local wage taxes like Philadelphia's City Wage Tax.
2025–2028 OBBBA § 225 Deduction
Models the federal overtime premium deduction slice ($12,500 single / $25,000 MFJ statutory cap) under the One Big Beautiful Bill Act.
State Overtime AND State-Tax Net Take-Home on One Single URL
No competitor in the US payroll or personal finance space provides state-specific statutory overtime rules and net take-home pay with state and municipal tax withholdings on a single URL with real statutory citations.
Who It's For: Clear, Unrestricted Financial Utility
MyOvertimePay is built for anyone who works hard and wants to verify that their paycheck matches the law — explained in plain language, without hidden catches.
Hourly Workers
Whether you work manufacturing shifts, warehouse rotations, retail, healthcare nursing, or hospitality, our tools let you audit every overtime hour, shift differential, and double-time premium before your paycheck deposits.
Salaried Nonexempt Workers
Salaried workers earning below federal or state statutory salary thresholds, or performing non-exempt job duties, are legally entitled to overtime. We make it simple to calculate your regular rate and verify overtime owed.
Anyone Checking a Paycheck
Evaluating a new job offer? Budgeting after working extra weekend hours? Checking unexpected tax withholdings? MyOvertimePay provides immediate, plain-language financial clarity without logins or fees.
No Accounts • No Paywalls • No Data Harvesting
Access to your wage calculations should never be gated behind an email subscription, a mandatory account registration, or a paid subscription. Every tool on MyOvertimePay is completely free to use, private by design, and requires zero personal information to run.
How Figures Are Produced & Verified
Our calculation models are grounded in published regulatory schedules and state labor codes, not approximations.
Published 2026 Regulatory Schedules
All calculations rely on official government source publications:
- Federal Tax Withholding: 2026 IRS Publication 15-T (Federal Income Tax Withholding Methods) percentage and bracket rules.
- FICA Rates & Wage Bases: Social Security Administration 2026 taxable maximum ($176,100) and statutory 6.2% / 1.45% tax rates.
- Federal Labor Standards: Fair Labor Standards Act (FLSA), 29 U.S.C. § 207 and 29 C.F.R. Part 778 regular rate requirements.
- State Labor Statutes: Codified statutes across all 50 states and the District of Columbia.
Continuous Verification & Freshness Stamps
Tax brackets, statutory minimum wages, and overtime thresholds change frequently. To ensure complete transparency:
- "Data Last Verified" Stamps: Every single tool and state guide page displays a live data verification stamp documenting the latest statutory review.
- Changelog Monitoring: We actively track state legislative sessions, wage orders, and Department of Labor revisions.
- Transparent Calculations: For complete mathematical formulas and step-by-step breakdowns, review our full calculation methodology.
Shah Nawaz — Founder, MyOvertimePay
Lead Architect • Editorial Director, MyOvertimePay
Shah Nawaz founded MyOvertimePay with a single conviction: American workers shouldn't need a degree in tax law or an expensive payroll software subscription just to confirm that their weekly paycheck is correct.
After analyzing dozens of existing financial calculators, Shah recognized a glaring disconnect across the web: tools either calculated gross overtime without withholding taxes, or calculated basic paycheck taxes while completely ignoring daily overtime statutes, double-time rules, blended rates, and the 2025–2028 OBBBA overtime tax exclusion.
MyOvertimePay was created to bridge this divide — delivering a fast, private, and rigorous gross-to-net calculation engine that is 100% free and backed by real statutory citations. Have suggestions, questions, or notice a newly updated state statute? Connect directly via our contact page.
Start Calculating Your Take-Home Pay
Select a tool to calculate your exact overtime entitlement, net paycheck, or review our mathematical formulas.