Overtime Pay Calculator
Overtime looks great on paper, but a chunk goes to tax and National Insurance. This calculator shows your gross overtime pay and exactly what lands in your bank account.
Enter your annual salary, hourly rate and the hours you plan to work overtime.
How the calculation works
We believe numbers should be transparent. Here is the formula behind this calculator.
Worked example
Worked example: 10 hours at time-and-a-half
Important assumptions
- Uses your marginal tax and NI rates based on your salary.
- Student loan repayments are not deducted from overtime in this calculator.
- Overtime is taxed in the same pay period as your regular pay.
Frequently asked questions
Why do I keep less than my hourly rate in overtime?
Overtime is taxed at your marginal rate on top of your normal pay, so it can look like a bigger cut. Tax at 20% or 40% plus NI at 8% or 2% reduces what you keep.
What multiplier should I use?
Many UK employers pay time-and-a-half (1.5×) or double time (2×). Use your contract figure — anything from 1× to 2× is common.
Does overtime affect my tax code?
Overtime is just more income, so it can push you into a higher tax band. This calculator already accounts for that using your salary and the overtime amount.
Related calculators
Hourly Rate Calculator
Turn an annual salary into an hourly rate and see the take-home pay behind it.
View calculatorSalary Calculator
See your annual, monthly and weekly take-home pay with a full income tax and National Insurance breakdown.
View calculatorBonus Tax Calculator
See how much of your bonus you keep after Income Tax and National Insurance.
View calculatorRelated guides
New to the topic? Read a plain-English guide on salary & tax, with worked examples and tips.
How UK Income Tax works
The tax-free allowance, rate bands and how PAYE takes tax from your pay.
Read the guide TaxPAYE explained
How pay as you earn collects Income Tax and NI from your salary.
Read the guide TaxUnderstanding tax bands
Basic, higher and additional rate explained with worked examples.
Read the guide TaxHow to read a payslip
Every line on your pay slip decoded — payments, deductions, year-to-date, and why a bonus month looks different.
Read the guide TaxUK tax rates and allowances 2026/27
Every UK tax rate and allowance for the 2026/27 tax year in one place — income tax, National Insurance, VAT, dividends, corporation tax, student loans and more.
Read the guide TaxHigh Income Child Benefit Charge explained
How the High Income Child Benefit Charge works — the £60,000 threshold, the 1% clawback and what you repay.
Read the guide TaxPension tax relief explained
How pension tax relief works — 20% added at source, extra relief for higher and additional-rate taxpayers, and the annual allowance.
Read the guideThese calculations are estimates for guidance only and are not professional financial, tax or legal advice. UK rates and rules change, so always verify important figures with official GOV.UK / HMRC information or speak to a qualified professional. See our full disclaimer.