Overtime Calculator (UK)
Work out your overtime pay and take-home after tax and National Insurance for 2026/27 — including time-and-a-half and double-time. Add your base salary and overtime hours in our calculator.
How Overtime Tax Works
Overtime is just extra pay — taxed at your marginal rate.
| Rate | Gross per hour (base £15) | Take-home kept |
|---|---|---|
| Single time | £15.00 | ≈ £10.80 (basic) |
| Time & a half | £22.50 | ≈ £16.20 (basic) |
| Double time | £30.00 | ≈ £21.60 (basic) |
Overtime Tips
- Watch the £50,270 line: regular overtime can tip you into 40% tax.
- Pension sacrifice: divert overtime to pension to avoid the higher rate.
- Student loan: more overtime means higher Plan 2/5 repayments.
Frequently asked questions
How is overtime taxed in the UK?
Overtime is taxed exactly like normal pay — added to your salary and charged at your marginal Income Tax rate plus employee National Insurance. Time-and-a-half simply means more gross pay, not a different tax treatment.
How much overtime take-home do I get?
At the basic rate, about 72p of every overtime £1 is kept (20% tax + 8% NI). At the higher rate (above £50,270) about 58p is kept. Use the calculator to model your hours and rate.
Does overtime push me into a higher tax band?
Yes, if total pay crosses £50,270 (40%) or £100,000 (Personal Allowance trap). The calculator shows your marginal rate with overtime included.