Earn Over Time Calculator
How much will you actually earn over the next month, quarter or year? Enter your pay in whatever form you are paid (hourly, daily, weekly, monthly or annual), add overtime and bonuses, and this calculator projects your earnings over any number of weeks, with the monthly and annual equivalents alongside. A second mode, Salary growth, projects the same pay over several years with an annual raise applied, so you can see what a raise is really worth over time. Everything is gross pay, before tax and deductions.
New here? The pre-filled example is $25 an hour with 5 overtime hours a week and a $500 bonus over 4 weeks. Click Calculate to see it worked through.
Quick Answer
At $25 an hour, 8 hours a day, 5 days a week, with 5 overtime hours at time and a half and a $500 bonus, you earn $1,187.50 a week ($1,000 regular plus $187.50 overtime) and $5,250.00 over 4 weeks, equal to $5,145.83 a month or $61,750.00 a year. In Salary growth mode, a $3,000 monthly salary with a 5% annual raise totals $113,490.00 over 3 years.
Key takeaways
- Everything converts to a weekly figure first. That single step is what makes an hourly rate, a day rate and a salary honestly comparable.
- A month averages 4.33 weeks, not 4. Monthly equivalents here use 52 ÷ 12, so they run about 8% higher than a naive times-four conversion.
- Bonuses are added once, overtime is added every week. Mixing those two up is the most common way home-made projections go wrong.
- Raises compound. A 5% raise is worth far more over 3 years than 5% of one year’s pay, and the growth mode shows the gap year by year.
- Quick Answer
- How to use the two modes
- How the projection works: weekly first, then scale
- Worked examples, checked against the tool
- Putting your projection in context
- What competing calculators miss
- Getting the inputs right, and what the projection cannot do
- Frequently asked questions
- Add This Calculator to Your Website
- References
How to use the two modes
Use Earnings projection for a single period at your current pay, and Salary growth for several years of pay with raises. Results stay hidden until you click Calculate, and Reset restores the worked examples on this page.
- Pick your pay type and rate: hourly, daily, weekly, monthly salary or annual salary. The rate field always matches the type you picked.
- Hourly workers: add hours per day and days per week, then your typical overtime hours and multiplier. Switching away from hourly hides the overtime fields, because fixed daily and salary rates in this tool already cover the work.
- Set the period: number of weeks for hourly, daily and weekly pay. Monthly and annual pay ignore the weeks field: a monthly salary projects one month, and an annual salary projects a full year.
- Add bonuses once: the bonuses and commissions field is a single amount for the whole period, added after the weekly maths.
- Salary growth: enter a monthly salary, an annual raise percentage and a horizon of 1 to 40 years to get a year-by-year table with running totals.
If your question runs the other way, starting from a salary and asking what it pays per hour, an annual income to hourly calculator does that reverse conversion directly.
How the projection works: weekly first, then scale
Every pay type is converted to a weekly figure first, then scaled to your period. That design keeps the five pay types consistent with each other, so switching types on the same underlying job gives the same answer.
| Pay type | Weekly figure | Period total |
|---|---|---|
| Hourly | Rate × hours per day × days per week, plus overtime hours × rate × multiplier | Weekly × weeks + bonuses |
| Daily | Rate × days per week | Weekly × weeks + bonuses |
| Weekly | Rate as entered | Weekly × weeks + bonuses |
| Monthly salary | Salary × 12 ÷ 52 | One month (the salary itself) + bonuses |
| Annual salary | Salary ÷ 52 | One year (the salary itself) + bonuses |
From the weekly figure, the equivalents are mechanical: monthly equivalent = weekly × 52 ÷ 12, and annual equivalent = weekly × 52. In growth mode the maths is different: year 1 is the monthly salary × 12, and each later year multiplies the previous year by (1 + raise ÷ 100), with a running cumulative total. Overtime follows the familiar pattern described by the U.S. Department of Labor overtime guidance: covered non-exempt workers are owed at least time and a half after 40 hours in a workweek. If some of your overtime is regularly going unpaid, that is a pay problem rather than a projection problem, and an unpaid overtime calculator values what is owed.
Worked examples, checked against the tool
The pre-filled example is an hourly worker on $25 an hour. The four steps below are the whole calculation, and the bar split shows why overtime punches above its hours.
Where the $1,187.50 week comes from:
Five overtime hours are 11% of the 45 hours worked but 15.8% of the pay, which is exactly what a 1.5x multiplier is supposed to do. The same week annualizes to $61,750 with overtime included, against $52,000 without it: a $9,750 difference that decides plenty of job comparisons. Handle lump sums with care in your own runs: a signing or performance bonus belongs in the extras field, and if you are testing how a larger bonus changes your year, a bonus salary calculator isolates that one payment.
| Growth mode: $3,000 a month, 5% raise | Year pay | Cumulative |
|---|---|---|
| Year 1 | $36,000.00 | $36,000.00 |
| Year 2 (after one 5% raise) | $37,800.00 | $73,800.00 |
| Year 3 (after two raises) | $39,690.00 | $113,490.00 |
Three flat years at the starting salary would total $108,000. The raises add $5,490, and the gap widens fast over longer horizons, which is why the growth mode runs to 40 years. One caution before you bank on it: a raise only holds its value if it beats price growth, and a cost of living raise calculator checks a percentage raise against inflation directly.
Putting your projection in context
That median comes from the Bureau of Labor Statistics Usual Weekly Earnings release, which defines usual weekly earnings as pay before taxes and other deductions, including overtime, commissions and tips as usually received. It is a useful yardstick for a projection: the worked example here, at $1,187.50 a week with steady overtime, sits just under the national median, while the same job without overtime, at $1,000 a week, sits well under it. The BLS breakdowns in its median weekly earnings by occupation chart show how wide the spread is between occupations, so compare your projection with your own field where you can, not only with the all-worker figure. The Department of Labor fact sheet on hours worked is the reference for which hours count as paid time in the first place, and its FLSA questions and answers cover the edge cases around overtime eligibility.
What competing calculators miss
The tools ranking for overtime and salary conversion each do one slice of this job well. Their gaps are consistent, and they are the reason this page is built the way it is.
- Overtime-only tools stop at the week. The leading time-and-a-half calculators break a single week down beautifully, regular versus overtime, then annualize by simple multiplication. None projects an arbitrary period of 4, 13 or 26 weeks with a one-off bonus added once, which is the question contract and seasonal workers actually ask.
- Salary converters have no overtime or bonuses. Hourly-to-salary converters handle the basic rate conversion and sometimes unpaid weeks, but a steady 5 overtime hours a week is worth $9,750 a year at $25 an hour, and tools that cannot enter it understate real earnings by that much.
- Nobody projects the raises. Conversion tools freeze pay at today’s rate. The salary growth mode here compounds an annual raise year by year for up to 40 years, which turns a vague promise of yearly reviews into a number you can plan around.
- Regular and overtime pay are rarely shown side by side with equivalents. This tool shows the split, the period total and the monthly and annual equivalents in one results block, so an hourly offer and a salaried offer can be compared without a second calculator.
Getting the inputs right, and what the projection cannot do
Use gross figures everywhere. Enter the rate before tax and deductions, because the outputs are gross too, and mixing a net rate with gross equivalents produces a projection that matches nothing. Count only paid days in days per week: unpaid days off belong in a shorter period, meaning fewer weeks, not in a lower rate. For irregular overtime, enter your average week honestly rather than your best week; the annual equivalent multiplies whatever week you describe by 52, so one heroic week becomes a heroic year.
The model has three firm limits. First, the rate never changes inside the earnings mode: a mid-period raise needs two runs, one for each rate, added together. Second, there is no field for unpaid leave in the earnings mode, so subtract those weeks from the period instead of expecting the tool to know about them. Third, salaried modes treat pay as fixed: a monthly salary projects exactly one month and an annual salary exactly one year, whatever the weeks field says, because that is what those pay types mean. None of this is a flaw to hide. It is the boundary of a projection tool, and naming it keeps the numbers it does produce trustworthy.
Frequently asked questions
Convert your pay to a weekly figure first, multiply by the number of weeks in the period, then add bonuses or commissions once. Hourly pay converts as rate times hours per day times days per week, plus overtime. Daily pay converts as rate times days per week. A monthly salary converts as salary times 12 divided by 52, and an annual salary divides by 52. This calculator runs that conversion for all five pay types and also shows the monthly and annual equivalents of the same pay.
Overtime pay is overtime hours per week times your hourly rate times the multiplier you pick: 1.5 for time and a half, 2 for double time, or 1 for straight time. Five overtime hours at $25 an hour and a 1.5 multiplier pay 5 times $25 times 1.5, which is $187.50 a week. Overtime only appears in hourly mode, because salaried and daily rates in this tool are treated as fixed amounts that already cover the work.
Run the hourly offer through the earnings mode and read the annual equivalent line. At $25 an hour, 8 hours a day, 5 days a week, with no overtime, the annual equivalent is $52,000, which you can compare directly with a salary figure. Add your realistic overtime and bonuses before comparing, because steady overtime can close a gap of several thousand dollars a year between two offers.
On a $3,000 monthly salary, year 1 pays $36,000, the 5% raise takes year 2 to $37,800, and a second raise takes year 3 to $39,690. The three-year total is $113,490, which is $5,490 more than three flat years at the starting salary. The salary growth mode shows this year-by-year pattern for any starting salary, raise and period up to 40 years.
Because a month is not four weeks. A year has 52 weeks and 12 months, so the average month holds 52 divided by 12, about 4.33 weeks. Multiplying weekly pay by 4 understates monthly earnings by roughly 8%. This tool uses the 52 divided by 12 conversion throughout, which is why $1,187.50 a week shows as a $5,145.83 monthly equivalent rather than $4,750.
No. Every figure is gross pay before income tax, payroll taxes, retirement contributions, health premiums and any other deductions. That is deliberate: gross figures are what job offers, contracts and raise percentages are quoted in, so projections stay comparable. Expect your take-home pay to be noticeably lower, and use a paycheck or tax calculator when you need the net figure for budgeting.
Yes, and the hourly and daily modes fit contract work well. Enter your rate, realistic billable hours rather than total hours at your desk, and the contract length in weeks. Put project fees, completion bonuses or expected commissions in the bonuses field so they are added once to the period total. Leave gaps between contracts out by reducing the number of weeks, not the rate.
Add This Calculator to Your Website
Embed this calculator on your own site with the code below. Pick a size to preview it live, then copy the code.
Powered by Calculator Zilo
References
- U.S. Department of Labor, Wage and Hour Division. Overtime Pay. Accessed October 21, 2026.
- U.S. Department of Labor, Wage and Hour Division. Fact Sheet #22: Hours Worked Under the Fair Labor Standards Act (FLSA). Accessed October 21, 2026.
- U.S. Department of Labor, Wage and Hour Division. Questions and Answers About the Fair Labor Standards Act (FLSA). Accessed October 21, 2026.
- U.S. Department of Labor, elaws Advisors. Fair Labor Standards Act Advisor: When Is Overtime Due? Accessed October 21, 2026.
- U.S. Bureau of Labor Statistics. Usual Weekly Earnings of Wage and Salary Workers. Accessed October 21, 2026.
- U.S. Bureau of Labor Statistics. Median Usual Weekly Earnings of Full-Time Wage and Salary Workers by Occupation and Sex. Accessed October 21, 2026.