Overtime Pay Calculator
Find out what your overtime is really worth after tax and National Insurance, and how much extra you take home.
e.g. 1257L, BR, K475, S1257L
Your take-home pay · per month
£27,712 a year from £33,600 gross, you keep 82.5%
How overtime is calculated
Hourly rate is your annual pay divided by hours and weeks worked. Overtime hours are multiplied by your chosen rate (such as time and a half) and added to gross pay.
Why you keep less than you expect
Overtime is taxed as normal income, so it is taxed at your marginal rate plus National Insurance. The overtime card shows exactly how much you keep.
Student loans and benefits
Overtime also increases student loan repayments and can trigger the Child Benefit charge, so include those settings for a realistic figure.
Frequently asked questions
Figures use official GOV.UK 2026/27 rates. See the methodology.
Is overtime taxed at a higher rate? +
No, but extra pay can push you into a higher band, which means the extra income is taxed at a higher marginal rate.
How much of £100 overtime do I keep? +
Basic-rate taxpayers keep about £72 of every £100 (20% tax + 8% NI), or about £63 with a Plan 2 student loan.
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Salary after tax
Full take-home calculator: tax, NI, pension, student loan, tax code.
Hourly wage
Turn an hourly rate into annual salary and take-home pay.
Required salary
Enter the take-home you want and get the gross you need.
Compare salaries
Put two offers side by side after tax.