UK overtime calculator: pay after tax
See how much extra pay your overtime leaves you in 2026/27. Enter your basic salary or hourly rate, contracted hours and average overtime hours a month.
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How to enter your overtime
Use your basic pay before overtime or deductions. For salary, the calculator divides annual pay by your contracted weekly hours and the weeks in a year to find a basic hourly rate. If you know your hourly rate, enter it directly. The hourly pay calculator helps you compare hourly and annual pay.
Enter the overtime hours you expect to work in an average month. Choose the multiplier from your contract: standard rate, time and a half, double time or a custom rate. These are examples of pay rates. They are not automatic legal rights. A zero multiplier represents unpaid overtime.
Select where you pay Income Tax. England, Wales and Northern Ireland share the same bands here; Scotland has separate bands. Add your pension and loan details if they apply.
What the result means
Gross overtime is the extra pay before deductions. Extra take-home is the difference between your annual take-home pay with and without overtime, divided into monthly amounts. The amount per extra hour divides that annual difference by all your overtime hours for the year.
The breakdown separates Income Tax from employee National Insurance, student loan repayments and pension contributions. These deductions can change as extra pay crosses a threshold. Use the take-home pay calculator to check your full salary. For a lump sum paid in one month, the bonus tax calculator includes a payslip comparison.
Pension and student loan deductions
The pension percentage is the gross amount going into your pension, including provider relief for relief at source. The calculation uses your whole basic salary as its pension basis. Include overtime only if your scheme counts it as pensionable pay.
Net pay contributions come out before Income Tax. Relief at source includes a provider top-up; this estimate assumes you obtain any eligible extra relief from HMRC. Salary sacrifice means giving up contractual pay for an employer pension contribution. The salary sacrifice calculator explains its effect on take-home pay.
Salary sacrifice must not take pay below the applicable minimum wage. This tool does not check eligibility. A separate later HMRC payment for eligible low earners in net pay schemes is excluded.
Select your undergraduate loan plan and add a postgraduate loan if you repay both. Overtime may increase repayments. Check the student loan repayment calculator if you are unsure which plan applies.
Assumptions and limits
The estimate uses 2026/27 rates, the standard tax code and standard employee National Insurance. It assumes one job, no other income and the same average overtime every month. It uses annual tax and repayment calculations, so it cannot predict an exact one-off payroll deduction. The calculation method explains why annual estimates can differ from payslips.
Benefits, the High Income Child Benefit Charge and pension allowance charges are excluded. Your contract or pension scheme may use a different hourly rate or pension basis. Check those before relying on an estimate.
Official guidance
GOV.UK overtime rights explains contractual overtime rates. Tax rates come from Income Tax rates and allowances, Scottish Income Tax and National Insurance rates. See HMRC's pension tax relief guidance and net pay guidance for pension relief and the separate low-earner payment.
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