Enter your hours and see your exact take-home pay — including night, weekend, and holiday differentials, overtime, and state taxes.
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Three steps to know if you were paid correctly
1
Split your hours by shift type — regular day, night, weekend, and holiday. Use your timesheet or pay stub.
2
Add your employer’s differential rate — as a percentage, flat dollar amount, or multiplier.
3
Get a full breakdown: regular pay, each differential, overtime using the correct blended FLSA rate, plus taxes.
Built for the worker — not the payroll department
We show what actually hits your bank account after federal tax, state tax, and FICA — not just the pre-tax number.
When you work overtime on a differential shift, your rate must use the blended average — not just your base rate. We do this correctly.
No sign-up. No email. No paywall. Open it on your phone between shifts and check your paycheck in under a minute.
State income tax rates are built in. Select your state and we apply the correct deduction automatically.
Nurses working night shifts, weekend shifts, and holidays are among the most common users of shift differential pay in the US. With night differentials typically ranging from 10–20% and weekend differentials from 5–15%, calculating your correct take-home pay — especially when overtime overlaps with a differential — is genuinely complex. This tool handles the FLSA blended rate calculation automatically, so you can verify your paycheck in seconds.
Warehouse workers at Amazon, FedEx, UPS, and similar companies commonly receive night shift differentials of $1–4/hr extra. When combined with 10-hour or 12-hour shifts and overtime, the blended rate calculation becomes critical. Many workers are underpaid on overtime because employers incorrectly use the base rate instead of the weighted average. Use this calculator to verify yours.
Everything you need to know about shift differential pay
Shift differential is additional pay your employer gives you for working less desirable hours — typically nights (usually 6pm–6am), weekends, or holidays. It’s usually expressed as a percentage of your base hourly rate (e.g. 15% extra for night shifts) or a flat dollar amount per hour (e.g. $3 extra per hour).
Yes — and this is where many employers get it wrong. Under the Fair Labor Standards Act (FLSA), your overtime rate must be calculated using your “regular rate of pay,” which legally must include shift differential pay. If you earn $20/hr base and $3/hr night differential, your effective rate for that shift is $23/hr. Your overtime rate should be 1.5 × $23 = $34.50/hr — not 1.5 × $20. Our calculator uses the correct blended rate method.
Yes. The IRS treats shift differential as ordinary wages — it’s added to your gross pay and taxed at your normal income tax rate. There is no special lower tax rate for differential pay. This calculator applies federal and state income tax plus FICA (Social Security 6.2% + Medicare 1.45%) to your full gross including all differentials.
Several reasons: your employer may have pre-tax deductions like 401(k) contributions, health insurance premiums, or HSA contributions that reduce your taxable income. They may also use a different state tax rate or a different withholding method. This calculator gives you a close estimate — the exact figure depends on your specific deductions.
Shift differential is extra pay for when you work — specific shift types like nights or weekends. Overtime is extra pay for how much you work — hours beyond 40 in a workweek under federal law (or 8 hours/day in some states like California). You can receive both at the same time, which is when the blended rate calculation becomes important.
Very close for most workers. We use current 2025 federal income tax brackets, a selection of state flat/effective rates, and the correct FLSA blended overtime rate formula. The main sources of difference from your actual paycheck are pre-tax deductions (401k, insurance), your exact withholding elections (W-4), and whether your state has local city taxes.
Three steps to know if you were paid correctly
1
Split your hours by shift type — regular day, night, weekend, and holiday. Use your timesheet or pay stub.
2
Add your employer’s differential rate — as a percentage, flat dollar amount, or multiplier.
3
Get a full breakdown: regular pay, each differential, overtime using the correct blended FLSA rate, plus taxes.
Built for the worker — not the payroll department
We show what actually hits your bank account after federal tax, state tax, and FICA — not just the pre-tax number.
When you work overtime on a differential shift, your rate must use the blended average — not just your base rate. We do this correctly.
No sign-up. No email. No paywall. Open it on your phone between shifts and check your paycheck in under a minute.
State income tax rates are built in. Select your state and we apply the correct deduction automatically.
Nurses working night shifts, weekend shifts, and holidays are among the most common users of shift differential pay in the US. With night differentials typically ranging from 10–20% and weekend differentials from 5–15%, calculating your correct take-home pay — especially when overtime overlaps with a differential — is genuinely complex. This tool handles the FLSA blended rate calculation automatically, so you can verify your paycheck in seconds.
Warehouse workers at Amazon, FedEx, UPS, and similar companies commonly receive night shift differentials of $1–4/hr extra. When combined with 10-hour or 12-hour shifts and overtime, the blended rate calculation becomes critical. Many workers are underpaid on overtime because employers incorrectly use the base rate instead of the weighted average. Use this calculator to verify yours.
Everything you need to know about shift differential pay
Shift differential is additional pay your employer gives you for working less desirable hours — typically nights (usually 6pm–6am), weekends, or holidays. It’s usually expressed as a percentage of your base hourly rate (e.g. 15% extra for night shifts) or a flat dollar amount per hour (e.g. $3 extra per hour).
Yes — and this is where many employers get it wrong. Under the Fair Labor Standards Act (FLSA), your overtime rate must be calculated using your “regular rate of pay,” which legally must include shift differential pay. If you earn $20/hr base and $3/hr night differential, your effective rate for that shift is $23/hr. Your overtime rate should be 1.5 × $23 = $34.50/hr — not 1.5 × $20. Our calculator uses the correct blended rate method.
Yes. The IRS treats shift differential as ordinary wages — it’s added to your gross pay and taxed at your normal income tax rate. There is no special lower tax rate for differential pay. This calculator applies federal and state income tax plus FICA (Social Security 6.2% + Medicare 1.45%) to your full gross including all differentials.
Several reasons: your employer may have pre-tax deductions like 401(k) contributions, health insurance premiums, or HSA contributions that reduce your taxable income. They may also use a different state tax rate or a different withholding method. This calculator gives you a close estimate — the exact figure depends on your specific deductions.
Shift differential is extra pay for when you work — specific shift types like nights or weekends. Overtime is extra pay for how much you work — hours beyond 40 in a workweek under federal law (or 8 hours/day in some states like California). You can receive both at the same time, which is when the blended rate calculation becomes important.
Very close for most workers. We use current 2025 federal income tax brackets, a selection of state flat/effective rates, and the correct FLSA blended overtime rate formula. The main sources of difference from your actual paycheck are pre-tax deductions (401k, insurance), your exact withholding elections (W-4), and whether your state has local city taxes.
Three steps to know if you were paid correctly
1
Split your hours by shift type — regular day, night, weekend, and holiday. Use your timesheet or pay stub.
2
Add your employer’s differential rate — as a percentage, flat dollar amount, or multiplier.
3
Get a full breakdown: regular pay, each differential, overtime using the correct blended FLSA rate, plus taxes.
Built for the worker — not the payroll department
We show what actually hits your bank account after federal tax, state tax, and FICA — not just the pre-tax number.
When you work overtime on a differential shift, your rate must use the blended average — not just your base rate. We do this correctly.
No sign-up. No email. No paywall. Open it on your phone between shifts and check your paycheck in under a minute.
State income tax rates are built in. Select your state and we apply the correct deduction automatically.
Nurses working night shifts, weekend shifts, and holidays are among the most common users of shift differential pay in the US. With night differentials typically ranging from 10–20% and weekend differentials from 5–15%, calculating your correct take-home pay — especially when overtime overlaps with a differential — is genuinely complex. This tool handles the FLSA blended rate calculation automatically, so you can verify your paycheck in seconds.
Warehouse workers at Amazon, FedEx, UPS, and similar companies commonly receive night shift differentials of $1–4/hr extra. When combined with 10-hour or 12-hour shifts and overtime, the blended rate calculation becomes critical. Many workers are underpaid on overtime because employers incorrectly use the base rate instead of the weighted average. Use this calculator to verify yours.
Everything you need to know about shift differential pay
Shift differential is additional pay your employer gives you for working less desirable hours — typically nights (usually 6pm–6am), weekends, or holidays. It’s usually expressed as a percentage of your base hourly rate (e.g. 15% extra for night shifts) or a flat dollar amount per hour (e.g. $3 extra per hour).
Yes — and this is where many employers get it wrong. Under the Fair Labor Standards Act (FLSA), your overtime rate must be calculated using your “regular rate of pay,” which legally must include shift differential pay. If you earn $20/hr base and $3/hr night differential, your effective rate for that shift is $23/hr. Your overtime rate should be 1.5 × $23 = $34.50/hr — not 1.5 × $20. Our calculator uses the correct blended rate method.
Yes. The IRS treats shift differential as ordinary wages — it’s added to your gross pay and taxed at your normal income tax rate. There is no special lower tax rate for differential pay. This calculator applies federal and state income tax plus FICA (Social Security 6.2% + Medicare 1.45%) to your full gross including all differentials.
Several reasons: your employer may have pre-tax deductions like 401(k) contributions, health insurance premiums, or HSA contributions that reduce your taxable income. They may also use a different state tax rate or a different withholding method. This calculator gives you a close estimate — the exact figure depends on your specific deductions.
Shift differential is extra pay for when you work — specific shift types like nights or weekends. Overtime is extra pay for how much you work — hours beyond 40 in a workweek under federal law (or 8 hours/day in some states like California). You can receive both at the same time, which is when the blended rate calculation becomes important.
Very close for most workers. We use current 2025 federal income tax brackets, a selection of state flat/effective rates, and the correct FLSA blended overtime rate formula. The main sources of difference from your actual paycheck are pre-tax deductions (401k, insurance), your exact withholding elections (W-4), and whether your state has local city taxes.
Three steps to know if you were paid correctly
1
Split your hours by shift type — regular day, night, weekend, and holiday. Use your timesheet or pay stub.
2
Add your employer’s differential rate — as a percentage, flat dollar amount, or multiplier.
3
Get a full breakdown: regular pay, each differential, overtime using the correct blended FLSA rate, plus taxes.
Built for the worker — not the payroll department
We show what actually hits your bank account after federal tax, state tax, and FICA — not just the pre-tax number.
When you work overtime on a differential shift, your rate must use the blended average — not just your base rate. We do this correctly.
No sign-up. No email. No paywall. Open it on your phone between shifts and check your paycheck in under a minute.
State income tax rates are built in. Select your state and we apply the correct deduction automatically.
Nurses working night shifts, weekend shifts, and holidays are among the most common users of shift differential pay in the US. With night differentials typically ranging from 10–20% and weekend differentials from 5–15%, calculating your correct take-home pay — especially when overtime overlaps with a differential — is genuinely complex. This tool handles the FLSA blended rate calculation automatically, so you can verify your paycheck in seconds.
Warehouse workers at Amazon, FedEx, UPS, and similar companies commonly receive night shift differentials of $1–4/hr extra. When combined with 10-hour or 12-hour shifts and overtime, the blended rate calculation becomes critical. Many workers are underpaid on overtime because employers incorrectly use the base rate instead of the weighted average. Use this calculator to verify yours.
Everything you need to know about shift differential pay
Shift differential is additional pay your employer gives you for working less desirable hours — typically nights (usually 6pm–6am), weekends, or holidays. It’s usually expressed as a percentage of your base hourly rate (e.g. 15% extra for night shifts) or a flat dollar amount per hour (e.g. $3 extra per hour).
Yes — and this is where many employers get it wrong. Under the Fair Labor Standards Act (FLSA), your overtime rate must be calculated using your “regular rate of pay,” which legally must include shift differential pay. If you earn $20/hr base and $3/hr night differential, your effective rate for that shift is $23/hr. Your overtime rate should be 1.5 × $23 = $34.50/hr — not 1.5 × $20. Our calculator uses the correct blended rate method.
Yes. The IRS treats shift differential as ordinary wages — it’s added to your gross pay and taxed at your normal income tax rate. There is no special lower tax rate for differential pay. This calculator applies federal and state income tax plus FICA (Social Security 6.2% + Medicare 1.45%) to your full gross including all differentials.
Several reasons: your employer may have pre-tax deductions like 401(k) contributions, health insurance premiums, or HSA contributions that reduce your taxable income. They may also use a different state tax rate or a different withholding method. This calculator gives you a close estimate — the exact figure depends on your specific deductions.
Shift differential is extra pay for when you work — specific shift types like nights or weekends. Overtime is extra pay for how much you work — hours beyond 40 in a workweek under federal law (or 8 hours/day in some states like California). You can receive both at the same time, which is when the blended rate calculation becomes important.
Very close for most workers. We use current 2025 federal income tax brackets, a selection of state flat/effective rates, and the correct FLSA blended overtime rate formula. The main sources of difference from your actual paycheck are pre-tax deductions (401k, insurance), your exact withholding elections (W-4), and whether your state has local city taxes.
Three steps to know if you were paid correctly
1
Split your hours by shift type — regular day, night, weekend, and holiday. Use your timesheet or pay stub.
2
Add your employer’s differential rate — as a percentage, flat dollar amount, or multiplier.
3
Get a full breakdown: regular pay, each differential, overtime using the correct blended FLSA rate, plus taxes.
Built for the worker — not the payroll department
We show what actually hits your bank account after federal tax, state tax, and FICA — not just the pre-tax number.
When you work overtime on a differential shift, your rate must use the blended average — not just your base rate. We do this correctly.
No sign-up. No email. No paywall. Open it on your phone between shifts and check your paycheck in under a minute.
State income tax rates are built in. Select your state and we apply the correct deduction automatically.
Nurses working night shifts, weekend shifts, and holidays are among the most common users of shift differential pay in the US. With night differentials typically ranging from 10–20% and weekend differentials from 5–15%, calculating your correct take-home pay — especially when overtime overlaps with a differential — is genuinely complex. This tool handles the FLSA blended rate calculation automatically, so you can verify your paycheck in seconds.
Warehouse workers at Amazon, FedEx, UPS, and similar companies commonly receive night shift differentials of $1–4/hr extra. When combined with 10-hour or 12-hour shifts and overtime, the blended rate calculation becomes critical. Many workers are underpaid on overtime because employers incorrectly use the base rate instead of the weighted average. Use this calculator to verify yours.
Everything you need to know about shift differential pay
Shift differential is additional pay your employer gives you for working less desirable hours — typically nights (usually 6pm–6am), weekends, or holidays. It’s usually expressed as a percentage of your base hourly rate (e.g. 15% extra for night shifts) or a flat dollar amount per hour (e.g. $3 extra per hour).
Yes — and this is where many employers get it wrong. Under the Fair Labor Standards Act (FLSA), your overtime rate must be calculated using your “regular rate of pay,” which legally must include shift differential pay. If you earn $20/hr base and $3/hr night differential, your effective rate for that shift is $23/hr. Your overtime rate should be 1.5 × $23 = $34.50/hr — not 1.5 × $20. Our calculator uses the correct blended rate method.
Yes. The IRS treats shift differential as ordinary wages — it’s added to your gross pay and taxed at your normal income tax rate. There is no special lower tax rate for differential pay. This calculator applies federal and state income tax plus FICA (Social Security 6.2% + Medicare 1.45%) to your full gross including all differentials.
Several reasons: your employer may have pre-tax deductions like 401(k) contributions, health insurance premiums, or HSA contributions that reduce your taxable income. They may also use a different state tax rate or a different withholding method. This calculator gives you a close estimate — the exact figure depends on your specific deductions.
Shift differential is extra pay for when you work — specific shift types like nights or weekends. Overtime is extra pay for how much you work — hours beyond 40 in a workweek under federal law (or 8 hours/day in some states like California). You can receive both at the same time, which is when the blended rate calculation becomes important.
Very close for most workers. We use current 2025 federal income tax brackets, a selection of state flat/effective rates, and the correct FLSA blended overtime rate formula. The main sources of difference from your actual paycheck are pre-tax deductions (401k, insurance), your exact withholding elections (W-4), and whether your state has local city taxes.
Three steps to know if you were paid correctly
1
Split your hours by shift type — regular day, night, weekend, and holiday. Use your timesheet or pay stub.
2
Add your employer’s differential rate — as a percentage, flat dollar amount, or multiplier.
3
Get a full breakdown: regular pay, each differential, overtime using the correct blended FLSA rate, plus taxes.
Built for the worker — not the payroll department
We show what actually hits your bank account after federal tax, state tax, and FICA — not just the pre-tax number.
When you work overtime on a differential shift, your rate must use the blended average — not just your base rate. We do this correctly.
No sign-up. No email. No paywall. Open it on your phone between shifts and check your paycheck in under a minute.
State income tax rates are built in. Select your state and we apply the correct deduction automatically.
Nurses working night shifts, weekend shifts, and holidays are among the most common users of shift differential pay in the US. With night differentials typically ranging from 10–20% and weekend differentials from 5–15%, calculating your correct take-home pay — especially when overtime overlaps with a differential — is genuinely complex. This tool handles the FLSA blended rate calculation automatically, so you can verify your paycheck in seconds.
Warehouse workers at Amazon, FedEx, UPS, and similar companies commonly receive night shift differentials of $1–4/hr extra. When combined with 10-hour or 12-hour shifts and overtime, the blended rate calculation becomes critical. Many workers are underpaid on overtime because employers incorrectly use the base rate instead of the weighted average. Use this calculator to verify yours.
Everything you need to know about shift differential pay
Shift differential is additional pay your employer gives you for working less desirable hours — typically nights (usually 6pm–6am), weekends, or holidays. It’s usually expressed as a percentage of your base hourly rate (e.g. 15% extra for night shifts) or a flat dollar amount per hour (e.g. $3 extra per hour).
Yes — and this is where many employers get it wrong. Under the Fair Labor Standards Act (FLSA), your overtime rate must be calculated using your “regular rate of pay,” which legally must include shift differential pay. If you earn $20/hr base and $3/hr night differential, your effective rate for that shift is $23/hr. Your overtime rate should be 1.5 × $23 = $34.50/hr — not 1.5 × $20. Our calculator uses the correct blended rate method.
Yes. The IRS treats shift differential as ordinary wages — it’s added to your gross pay and taxed at your normal income tax rate. There is no special lower tax rate for differential pay. This calculator applies federal and state income tax plus FICA (Social Security 6.2% + Medicare 1.45%) to your full gross including all differentials.
Several reasons: your employer may have pre-tax deductions like 401(k) contributions, health insurance premiums, or HSA contributions that reduce your taxable income. They may also use a different state tax rate or a different withholding method. This calculator gives you a close estimate — the exact figure depends on your specific deductions.
Shift differential is extra pay for when you work — specific shift types like nights or weekends. Overtime is extra pay for how much you work — hours beyond 40 in a workweek under federal law (or 8 hours/day in some states like California). You can receive both at the same time, which is when the blended rate calculation becomes important.
Very close for most workers. We use current 2025 federal income tax brackets, a selection of state flat/effective rates, and the correct FLSA blended overtime rate formula. The main sources of difference from your actual paycheck are pre-tax deductions (401k, insurance), your exact withholding elections (W-4), and whether your state has local city taxes.
Three steps to know if you were paid correctly
1
Split your hours by shift type — regular day, night, weekend, and holiday. Use your timesheet or pay stub.
2
Add your employer’s differential rate — as a percentage, flat dollar amount, or multiplier.
3
Get a full breakdown: regular pay, each differential, overtime using the correct blended FLSA rate, plus taxes.
Built for the worker — not the payroll department
We show what actually hits your bank account after federal tax, state tax, and FICA — not just the pre-tax number.
When you work overtime on a differential shift, your rate must use the blended average — not just your base rate. We do this correctly.
No sign-up. No email. No paywall. Open it on your phone between shifts and check your paycheck in under a minute.
State income tax rates are built in. Select your state and we apply the correct deduction automatically.
Nurses working night shifts, weekend shifts, and holidays are among the most common users of shift differential pay in the US. With night differentials typically ranging from 10–20% and weekend differentials from 5–15%, calculating your correct take-home pay — especially when overtime overlaps with a differential — is genuinely complex. This tool handles the FLSA blended rate calculation automatically, so you can verify your paycheck in seconds.
Warehouse workers at Amazon, FedEx, UPS, and similar companies commonly receive night shift differentials of $1–4/hr extra. When combined with 10-hour or 12-hour shifts and overtime, the blended rate calculation becomes critical. Many workers are underpaid on overtime because employers incorrectly use the base rate instead of the weighted average. Use this calculator to verify yours.
Everything you need to know about shift differential pay
Shift differential is additional pay your employer gives you for working less desirable hours — typically nights (usually 6pm–6am), weekends, or holidays. It’s usually expressed as a percentage of your base hourly rate (e.g. 15% extra for night shifts) or a flat dollar amount per hour (e.g. $3 extra per hour).
Yes — and this is where many employers get it wrong. Under the Fair Labor Standards Act (FLSA), your overtime rate must be calculated using your “regular rate of pay,” which legally must include shift differential pay. If you earn $20/hr base and $3/hr night differential, your effective rate for that shift is $23/hr. Your overtime rate should be 1.5 × $23 = $34.50/hr — not 1.5 × $20. Our calculator uses the correct blended rate method.
Yes. The IRS treats shift differential as ordinary wages — it’s added to your gross pay and taxed at your normal income tax rate. There is no special lower tax rate for differential pay. This calculator applies federal and state income tax plus FICA (Social Security 6.2% + Medicare 1.45%) to your full gross including all differentials.
Several reasons: your employer may have pre-tax deductions like 401(k) contributions, health insurance premiums, or HSA contributions that reduce your taxable income. They may also use a different state tax rate or a different withholding method. This calculator gives you a close estimate — the exact figure depends on your specific deductions.
Shift differential is extra pay for when you work — specific shift types like nights or weekends. Overtime is extra pay for how much you work — hours beyond 40 in a workweek under federal law (or 8 hours/day in some states like California). You can receive both at the same time, which is when the blended rate calculation becomes important.
Very close for most workers. We use current 2025 federal income tax brackets, a selection of state flat/effective rates, and the correct FLSA blended overtime rate formula. The main sources of difference from your actual paycheck are pre-tax deductions (401k, insurance), your exact withholding elections (W-4), and whether your state has local city taxes.
Three steps to know if you were paid correctly
1
Split your hours by shift type — regular day, night, weekend, and holiday. Use your timesheet or pay stub.
2
Add your employer’s differential rate — as a percentage, flat dollar amount, or multiplier.
3
Get a full breakdown: regular pay, each differential, overtime using the correct blended FLSA rate, plus taxes.
Built for the worker — not the payroll department
We show what actually hits your bank account after federal tax, state tax, and FICA — not just the pre-tax number.
When you work overtime on a differential shift, your rate must use the blended average — not just your base rate. We do this correctly.
No sign-up. No email. No paywall. Open it on your phone between shifts and check your paycheck in under a minute.
State income tax rates are built in. Select your state and we apply the correct deduction automatically.
Nurses working night shifts, weekend shifts, and holidays are among the most common users of shift differential pay in the US. With night differentials typically ranging from 10–20% and weekend differentials from 5–15%, calculating your correct take-home pay — especially when overtime overlaps with a differential — is genuinely complex. This tool handles the FLSA blended rate calculation automatically, so you can verify your paycheck in seconds.
Warehouse workers at Amazon, FedEx, UPS, and similar companies commonly receive night shift differentials of $1–4/hr extra. When combined with 10-hour or 12-hour shifts and overtime, the blended rate calculation becomes critical. Many workers are underpaid on overtime because employers incorrectly use the base rate instead of the weighted average. Use this calculator to verify yours.
Everything you need to know about shift differential pay
Shift differential is additional pay your employer gives you for working less desirable hours — typically nights (usually 6pm–6am), weekends, or holidays. It’s usually expressed as a percentage of your base hourly rate (e.g. 15% extra for night shifts) or a flat dollar amount per hour (e.g. $3 extra per hour).
Yes — and this is where many employers get it wrong. Under the Fair Labor Standards Act (FLSA), your overtime rate must be calculated using your “regular rate of pay,” which legally must include shift differential pay. If you earn $20/hr base and $3/hr night differential, your effective rate for that shift is $23/hr. Your overtime rate should be 1.5 × $23 = $34.50/hr — not 1.5 × $20. Our calculator uses the correct blended rate method.
Yes. The IRS treats shift differential as ordinary wages — it’s added to your gross pay and taxed at your normal income tax rate. There is no special lower tax rate for differential pay. This calculator applies federal and state income tax plus FICA (Social Security 6.2% + Medicare 1.45%) to your full gross including all differentials.
Several reasons: your employer may have pre-tax deductions like 401(k) contributions, health insurance premiums, or HSA contributions that reduce your taxable income. They may also use a different state tax rate or a different withholding method. This calculator gives you a close estimate — the exact figure depends on your specific deductions.
Shift differential is extra pay for when you work — specific shift types like nights or weekends. Overtime is extra pay for how much you work — hours beyond 40 in a workweek under federal law (or 8 hours/day in some states like California). You can receive both at the same time, which is when the blended rate calculation becomes important.
Very close for most workers. We use current 2025 federal income tax brackets, a selection of state flat/effective rates, and the correct FLSA blended overtime rate formula. The main sources of difference from your actual paycheck are pre-tax deductions (401k, insurance), your exact withholding elections (W-4), and whether your state has local city taxes.