How it works
Regular hours are paid at the base rate; overtime hours are paid at the base rate multiplied by the overtime factor.
Example
40 regular hours at $24 plus six hours at time and a half comes to $1,176.
This tool is for estimation and education, not financial, tax, or legal advice.
Frequently asked questions
Are the results exact lender quotes?
No. Results are estimates from the values entered and exclude terms or charges not shown.
Does the calculator send my numbers anywhere?
No. The calculation runs locally in your browser.
How should I use the result?
Compare scenarios, then verify important figures against a lender disclosure or account statement.
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