Overtime Calculator UK 2025/26
Calculate your overtime take-home pay after tax, National Insurance, and pension. Check if overtime pushes you into a higher tax band or the £100K PA trap. Project your annual overtime earnings and see your effective hourly rate after deductions.
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How to Use This Calculator
Overtime Pay tab
Enter your annual base salary, the number of overtime hours per week, and your overtime rate multiplier (1.0×, 1.25×, 1.5×, or 2.0×). Select weekly or monthly pay frequency to see your gross overtime, income tax at your marginal rate, National Insurance, pension deduction, and net overtime pay. You see exactly what lands in your bank account.
Tax Impact tab
Enter your base salary and overtime hours to see whether overtime pushes you into a higher tax band. The calculator shows your marginal tax rate on base salary versus overtime, warns if you cross the £50,270 higher rate threshold or the £100,000 Personal Allowance taper, and calculates the extra tax cost.
Annual Projection tab
Enter your regular weekly overtime hours to see the full-year projection. The calculator compares your take-home pay with and without overtime, showing total tax, NI, pension, annual take-home, and your effective hourly rate after all deductions — the real value of each overtime hour.
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The Formula
Overtime pay in the UK is calculated from your base hourly rate derived from your annual salary:
Overtime Hourly Rate = Hourly Rate × Overtime Multiplier
Gross Overtime = Overtime Hours × Overtime Hourly Rate
Tax on Overtime = (Gross Overtime − Pension) × Marginal Tax Rate
NI on Overtime = Gross Overtime × Marginal NI Rate
Pension on Overtime = Gross Overtime × Pension Rate
Net Overtime = Gross Overtime − Tax − NI − Pension
Your marginal tax rate depends on which band your total income falls into. If your salary is £30,000, overtime is taxed at 20% (basic rate) and 8% NI. If your salary is £48,000 and overtime pushes you past £50,270, the portion above the threshold is taxed at 40%.
National Insurance: 8% on earnings between £12,570 and £50,270, 2% on earnings above £50,270. Category C (over state pension age) pays 0% NI.
The £100,000 PA taper: for every £2 earned above £100,000, you lose £1 of Personal Allowance, creating an effective marginal rate of approximately 60%.
Example
James — warehouse supervisor on £30,000, works 5 hours overtime per week at 1.5×
James earns £30,000 per year on a 37.5-hour week. His contract pays overtime at time and a half (1.5×). He has a 5% pension.
Calculating the hourly rate
Weekly overtime
James takes home approximately £78 per week from 5 hours of overtime. His effective net rate is £15.69/hr — still above his base rate but noticeably less than the £23.08 gross overtime rate.
Sarah — £48,000 salary, overtime pushes into higher rate band
Sarah earns £48,000 and regularly works 5 hours of overtime at 1.5× per week. This projects to £54,813 annually — crossing the £50,270 higher rate threshold.
£4,543 of Sarah's overtime is taxed at 42% combined (40% income tax + 2% NI above £50,270) instead of 28% (20% + 8%). She should use the Tax Impact tab to see the exact cost before accepting overtime shifts.