Overtime Pay Calculator UK 2026/27: After Tax & NI
Picking up extra shifts and wondering what you'll actually take home? Enter your hours and overtime rate multiplier to see your net overtime pay after income tax and National Insurance. This overtime pay calculator shows what overtime is really worth after tax — effectively an overtime tax calculator for time-and-a-half, double time and any multiplier.
In short: Hourly rate = salary ÷ (weekly hours × 52). On £30,000 for 37.5 hours that’s £15.38, so time and a half is £23.08 and double time £30.77. Five overtime hours a week at 1.5× add £6,000 gross a year (£500 a month) and £4,320 after tax and NI (£360 a month). Overtime is taxed at your normal marginal rate, not a special rate.
- Enter your base annual salary and standard weekly hours.
- Enter overtime hours and rate multiplier.
- See gross and net overtime pay.
| Annual | Monthly | |
|---|---|---|
| Base salary | - | - |
| Hourly rate | - | |
| Gross overtime | - | - |
| Tax on overtime | - | - |
| NI on overtime | - | - |
| Net overtime | - | - |
Overtime pay is taxed at your marginal rate, so a long week of extra hours never lands in full. This calculator shows what overtime is really worth after income tax and National Insurance, across time-and-a-half, double time and any other multiplier your employer uses.
How overtime is taxed
Overtime is added to your regular pay and taxed the same way as any other income — at your marginal rate. A basic-rate taxpayer keeps 72p of each extra £1; a higher-rate taxpayer keeps 58p; someone in the £100,000–£125,140 taper zone may keep only 38p because of the personal allowance withdrawal. There is no special overtime tax rate.
If a large overtime payment in one month pushes you over a threshold, PAYE may deduct more than the annual rate that month. It usually corrects itself later in the year.
Overtime pay table: 5 extra hours a week at time and a half
Based on a 37.5-hour week and 5 overtime hours a week at 1.5×, worked out on the annual figures for 2026/27 (England, Wales and Northern Ireland, tax code 1257L):
| Salary | Hourly | 1.5× rate | Extra gross a month | Extra take-home a month |
|---|---|---|---|---|
| £25,000 | £12.82 | £19.23 | £416.67 | £300.00 |
| £30,000 | £15.38 | £23.08 | £500.00 | £360.00 |
| £35,000 | £17.95 | £26.92 | £583.33 | £420.00 |
| £40,000 | £20.51 | £30.77 | £666.67 | £480.00 |
| £50,000 | £25.64 | £38.46 | £833.33 | £486.48 |
| £60,000 | £30.77 | £46.15 | £1,000.00 | £580.00 |
Hourly overtime rates
Time and a half and double time for common hourly rates, with what you keep from each time-and-a-half hour (a basic-rate taxpayer keeps 72%, a higher-rate taxpayer 58%):
| Base rate | 1.5× | 2× | Take-home per 1.5× hour (basic rate) | Take-home per 1.5× hour (higher rate) |
|---|---|---|---|---|
| £12.71 (minimum wage, 21+) | £19.07 | £25.42 | £13.73 | £11.06 |
| £15 | £22.50 | £30.00 | £16.20 | £13.05 |
| £18 | £27.00 | £36.00 | £19.44 | £15.66 |
| £20 | £30.00 | £40.00 | £21.60 | £17.40 |
| £25 | £37.50 | £50.00 | £27.00 | £21.75 |
| £30 | £45.00 | £60.00 | £32.40 | £26.10 |
To convert your salary to an hourly rate first, use the hourly wage calculator.
Overtime and the working time rules
Most workers cannot be required to work more than 48 hours a week on average unless they have opted out. Overtime rates are not set by law — an employer only has to pay at least the National Living Wage overall, averaged across the pay reference period. Time-and-a-half or double time are contractual, not statutory.
Overtime and holiday pay
Overtime you work regularly must be included in your holiday pay for the 4 weeks of leave that come from EU law. The Working Time (Amendment) Regulations 2023 set this out for leave years starting on or after 1 April 2024, so if you regularly work overtime, your holiday pay for those weeks should reflect it rather than just your basic hours.
Is the overtime worth it?
Because overtime is taxed at your top rate, the effective hourly rate for extra hours is always lower than your headline rate. Use the calculator to see your real after-tax overtime rate, then compare it honestly against the value of your time — or against what a pay rise is worth after tax. If the extra hours are with a different employer, see tax on a second job; for one-off payments use the bonus tax calculator.
Calculate your take-home overtime above, then check the full picture with the take-home pay calculator.
Frequently asked questions
How much tax do I pay on overtime?
Overtime is taxed at your top rate, not a special rate. A basic-rate taxpayer pays 20% tax and 8% NI and keeps 72p of each extra £1, a higher-rate taxpayer pays 40% and 2% and keeps 58p, and in the £100,000–£125,140 taper zone you pay an effective 62% and keep 38p.
How do I calculate time and a half?
Work out your hourly rate and multiply it by 1.5. On £30,000 for a 37.5-hour week the hourly rate is £15.38, so time and a half is £23.08 an hour and double time £30.77.
Why was more tax taken in my overtime month?
PAYE spreads your personal allowance and tax bands across the year, so a month with a lot of overtime can show extra tax. On a normal tax code it usually evens out by the end of the tax year.
Does overtime count towards holiday pay?
Yes, if you work it regularly. Regular overtime must be included in holiday pay for the 4 weeks of leave that come from EU law, under rules that apply to leave years starting on or after 1 April 2024.
Does my employer have to pay extra for overtime?
No. Overtime premiums such as time and a half are set by your contract, not by law. Your average pay for all the hours you work must not fall below the minimum wage.