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Overtime Tax Calculator

Overtime is taxed like the rest of your pay. Enter your base salary, hourly rate and typical overtime to see what the extra hours really add.

Tax year 2026/27 · Estimates, not personal tax advice

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Overtime take-home per week

£83.05

From £115.35 gross overtime a week · 72% kept
Gross overtime per year£5,998.20
Extra Income Tax−£1,199.64
Extra NI−£479.86
Overtime you keep per year£4,318.70
Per month£359.89

Rates and rules used

Tax year 2026/27

Default year 2026/27 (6 April to 5 April). 2025/26 and 2024/25 figures are kept for comparison where the calculator offers a year choice.

Independent site, not affiliated with HMRC. Always check GOV.UK for the latest figures.

How this calculation works

  1. 01Multiply hourly rate, multiplier and hours to get weekly overtime.
  2. 02Annualise it and add to salary.
  3. 03Compare take-home with and without it.

Real payroll can differ because tax and NI are worked out per pay period, and your tax code may include adjustments HMRC hasn't told you about. See our methodology.

Time-and-a-half after tax

For a basic-rate employee, each overtime pound usually keeps 72p after Income Tax and NI. With Plan 2 student loan above the threshold, that drops to 63p.

Understanding your overtime tax calculator result

The calculator adds overtime earnings to normal pay, then compares the two net results. This shows the estimated value of the extra hours after deductions rather than applying a separate overtime tax rate.

Valuing a weekend shift

Scenario: Enter normal salary, the paid hourly rate or multiplier, and the extra hours offered for the pay period.

How to use the result: Divide the additional take-home amount by the overtime hours to see the effective net hourly reward. Use that figure when comparing time worked with the cash received.

Details to check before relying on the estimate

  • Use the enhanced overtime rate if the employer pays one.
  • Loan and pension deductions can apply to the extra earnings.
  • One payslip may vary because NI is assessed by pay period.

Putting the estimate into perspective

Consider the additional net pay alongside the hours required. The total extra payment and the reward per extra hour answer different questions when deciding whether a shift is worthwhile.

Frequently asked questions

Is overtime taxed more?

Not at a special rate. It can look that way on a single payslip, but over the year it's taxed at your normal marginal rate.

Check it on GOV.UK: Income Tax rates and allowances (opens GOV.UK in a new tab)

Do I pay National Insurance on overtime?

Yes. Overtime counts as earnings, so it is included when Income Tax and National Insurance are worked out, although the effect depends on your other pay.

Check it on GOV.UK: National Insurance rates and category letters (opens GOV.UK in a new tab)

How do I work out an overtime rate?

Your contract or employer policy sets the rate, often as a multiple of your normal hourly pay. Use the gross overtime amount you actually receive rather than a headline rate.

Check it on GOV.UK: Income Tax rates and allowances (opens GOV.UK in a new tab) · National Insurance rates and category letters (opens GOV.UK in a new tab)

Related calculators

Related guides

  • Tax on Overtime — Why overtime can look heavily taxed on a single payslip, how it's actually taxed over the year, and how to estimate what you'll keep.