Overtime Calculator 2026/27
Work out your overtime pay at time and a half or double time, and how much of it you keep after tax and NI.
Last updated: October 2026 · 2026/27 tax rates
Your pay and overtime
Basic salary: £29,250.00 a year (52 weeks)
Overtime rate: £22.50 an hour
Your tax code starts with S.
Overtime you keep this year
£4,212.00
From £5,850.00 gross overtime pay (260 hours at £22.50). That is £16.20 an hour after deductions.
£81.00 after deductions
Tax, NI and loans on the extra pay
Basic £29,250.00 plus overtime
Where the overtime goes
| Per year | Basic only | With overtime | On the overtime |
|---|---|---|---|
| Gross pay | £29,250.00 | £35,100.00 | £5,850.00 |
| Income tax | £3,336.00 | £4,506.00 | £1,170.00 |
| National Insurance | £1,334.40 | £1,802.40 | £468.00 |
| Take-home | £24,579.60 | £28,791.60 | £4,212.00 |
How it works
Overtime pay is your basic hourly rate times the overtime multiplier times the hours. If you are salaried, your hourly rate is your annual salary divided by (contracted weekly hours x 52). The calculator then works out your full 2026/27 take-home twice, on basic pay alone and on basic pay plus overtime, and the difference is what the overtime is really worth. That is the honest figure: overtime is taxed at your marginal rate, the rate on the top slice of your pay, not your average rate.
Worked example. At £15 an hour on a 37.5-hour week your basic pay is £29,250.00. Five hours a week at time and a half is £22.50 an hour, so over 52 weeks that is £5,850.00 of gross overtime. All of it falls in the basic-rate band, so 20% income tax and 8% NI come off and you keep £4,212.00, or £16.20 for each overtime hour. With a Plan 2 student loan you keep £3,697.65.
To see your whole payslip rather than just the overtime, use the salary calculator; to turn an hourly rate into a salary, the hourly to annual calculator.
No. There is no special overtime tax. Overtime is ordinary pay, taxed under PAYE with the rest of your wages. It feels taxed more for two reasons. First, it is all taxed at your marginal rate: someone who pays an average of about 16% on their basic pay loses 28% of their overtime. Second, a month with a lot of overtime can push that month's pay into a higher band on your payslip. Income tax is cumulative, so a one-off over-deduction usually corrects itself in later months, but National Insurance is worked out on each pay period on its own.
Overtime that takes you over a threshold costs more. A £48,000 salary with 4 hours a week at time and a half for 46 weeks earns £6,793.85 of overtime; part of it is above £50,270, where 40% tax applies, so you keep £4,258.23 (62.7%). Above £100,000 the loss of the Personal Allowance makes it worse still; see the £100k tax trap.
Salary calculators
This calculator is part of a family. The main calculator covers the general case.
Main calculator: Salary Calculator
Annual, monthly and weekly take-home pay after PAYE, NI, pension and student loan.
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Reviewed by Alexandre Bernier, LLM (UK), CFP®
Educational tool: estimates only. Not individual financial, investment, tax or legal advice. Using it does not create an adviser-client relationship. Rules and figures change; check them against current HMRC and GOV.UK guidance and speak to a qualified professional. Editorial policy →
Sources
Every rate and threshold used by this calculator is taken from the official pages below. If a figure here disagrees with one of these, the official page is right, please tell us.