How should Florida residents interpret the result?

Florida is commonly described as not applying a broad state wage income tax, so the result is mainly about the federal deduction. Still, confirm any state-level details on the Florida tax agency website.

Florida Overtime Tax Calculator 2025 | Federal OBBBA Savings Estimate

Estimate your federal overtime premium deduction (and possible tax impact) under the 2025 proposal, with Florida-specific context and official sources.

Florida context:

This calculator estimates a potential federal overtime-related savings scenario under the 2025 proposal. State and local tax outcomes depend on Florida rules and your full household picture, so use the official sources below to validate what applies to you.

Model assumptions used in this calculator

Overtime “premium” is modeled as 0.5× your hourly rate per overtime hour (the time-and-a-half premium portion).
Annual cap: 2,500 (single) / $25,000 (married filing jointly).
Phase-out starts at MAGI 50,000 (single) / $300,000 (MFJ), reducing the deductible amount by 00 per ,000 over the threshold.
If MAGI is blank, it’s estimated from your weekly pay and overtime scenario.

How to Use This Estimate for Planning

Overtime can materially change take-home pay in Florida, especially for hospitality seasons, healthcare staffing, and logistics. This tool focuses on the federal side of the proposal: it models a capped overtime “premium” amount and then applies an income phase-out based on filing status and estimated household income (MAGI). The output is an estimate meant to help you compare scenarios (for example: “What if I work 6 more OT hours per week?”), not a guarantee of your final tax filing result.

If you leave MAGI blank, the calculator estimates it from the entered weekly pay and overtime scenario. If you know your approximate household income, entering MAGI can reduce surprises because phase-out behavior is driven by that number. Either way, remember that real returns can differ based on deductions, credits, and how a final law is written and implemented.

What to confirm (and where)

Florida Department of Revenue: state income tax and withholding rules (if applicable), definitions, and current guidance.
IRS tools: whether a W-4 update makes sense after you model a scenario here.
Your pay stub: how overtime is computed and reported for your specific job (rules can vary by employer and pay type).

A practical workflow is: (1) model a few overtime scenarios here, (2) check official guidance, and (3) only then adjust withholding if you’re confident the change is appropriate. If you want to share your scenario with a spouse or coworker, use the Share/Copy buttons to include the exact inputs in the link.

What to double-check in Florida

Florida is often described as not imposing a broad-based tax on wage income. Your result here is a federal-only estimate, so it’s worth double-checking how your pay is taxed and withheld in practice.

Check the latest Florida guidance on the official tax agency site.
Re-check your federal withholding with the IRS Form W‑4 guidance if your overtime pattern changes.

More context: Guide: States with no broad wage income tax.

Florida FAQ

Quick answers to common questions about the federal overtime deduction estimate for Florida.

Does this estimate include Florida state income tax rules?

No. This tool estimates a federal deduction related to overtime premium pay. State rules can differ. For Florida-specific guidance, review the Florida tax agency website.

Where can I verify official information for Florida?

Use IRS resources for federal withholding and forms, and the Florida tax agency for state filing guidance and updates.

Will Florida automatically follow federal changes?

Not always. Some states conform to federal rules, while others decouple or adopt changes differently. Check official updates from the Florida tax agency.

Does Florida generally tax wage income at the state level?

Many summaries describe Florida as not levying a broad-based tax on wage income, but details can vary and change. Verify what applies to you on the Florida tax agency site and adjust federal withholding using IRS guidance if needed.

Before you rely on this estimate, check whether Florida conforms to federal deductions and how your payroll defines overtime earnings. If needed, validate withholding using IRS resources and review guidance from the Florida tax agency.

State-specific scenario for Florida

Scenario: if you work in Florida and your overtime varies, the most noticeable swings are usually on the federal side. Use a federal estimator after a few pay periods to ensure the year‑to‑date trend still matches your expectations. For official guidance, compare your inputs against the IRS Withholding Estimator and your official Florida tax agency.

How to use this estimate in Florida

Three common use cases to help you decide what to check next (federal estimate only; state rules can differ).

Use case 1: paycheck withholding sanity‑check

When you expect sustained overtime, validate the paycheck impact by running the IRS Withholding Estimator. Then cross‑check assumptions in Methodology.

Use case 2: moved, part‑year, or multi‑state work

If you work in another state, moved recently, or have a second job, state filing rules can still matter even if wage income is often described as untaxed locally. Start with the official Florida guidance, then use our state checklist. See how we use sources.

Use case 3: planning & documentation

Use this as a quick “what-if,” then document the assumptions you used (weekly pay, overtime hours, and whether MAGI was entered). Our methodology section and disclaimer explain the limits of the estimate.

Mini how-to by work situation in Florida

A federal-only estimate can still help planning. Because Florida generally does not levy a broad wage income tax, the state-side impact may be limited—but still confirm any local or special withholding rules on the official state guidance page. Use official tools like the IRS Withholding Estimator, review Form W‑4, and check official Florida tax guidance.

Hourly / shift workers

When your schedule changes (extra shifts, weekend coverage), re-check your federal withholding using the IRS estimator and confirm your W‑4 still matches your current pay mix. Save two recent pay stubs so you can spot whether withholding moved in the direction you expected. In Florida, there’s generally no broad state wage income tax, so focus on accurate federal withholding and still verify any state/local rules. Official links: IRS estimator, Form W‑4, Florida tax guidance.

Salaried with overtime

For salaried roles with periodic overtime, the biggest lever is usually withholding accuracy rather than the label on your salary. Use the IRS estimator, then decide whether a W‑4 adjustment makes sense and confirm with payroll how supplemental/overtime pay is handled. Because Florida generally doesn’t tax wages broadly, the main moving parts are federal withholding—still confirm any state/local requirements. Official links: IRS estimator, Form W‑4, Florida tax guidance.

Multiple jobs or job change

If you have more than one job (or you changed jobs mid‑year), withholding can get out of sync quickly. Run the IRS estimator with combined income, then check whether each employer’s withholding settings are consistent with the estimator’s guidance. Because Florida generally doesn’t tax wages broadly, the main moving parts are federal withholding—still confirm any state/local requirements. Official links: IRS estimator, Form W‑4, Florida tax guidance.

Official state tax pointers

Use official pages to confirm residency rules, part-year situations, and paycheck withholding.

Use the estimate safely

Treat this as a federal estimate, then verify what actually changes for your paycheck and filing situation.

Florida Overtime Tax Calculator (2025)