Tools
Overtime cost calculator
Short answer: under the federal Fair Labor Standards Act, overtime is generally due at one and a half times the regular rate for hours over 40 in a workweek. This tool uses that official weekly rule and this site’s official employer-tax engine to show the overtime wages, the extra employer FICA, and the incremental true cost versus a 40-hour week. It does not invent daily-overtime rules that some states use.
On a $20-an-hour Indiana example, 45 hours a week costs $7,800 a year in overtime wages plus $596.70 of extra employer FICA, or $8,396.70 more than a 40-hour week, when SUTA is already at the $9,500 wage base and no workers’ comp quote is entered. Change the wage, hours, and state below. See also hourly versus salary.
Federal overtime here follows the FLSA weekly 40-hour, time-and-a-half rule used in this site’s rate engine. Some states have daily overtime or other rules; this tool does not invent those. Employer taxes use official 2026 IRS and DOL figures. Confirm with your accountant and agencies before you hire or set a price.