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.

2026/27 Tax Year

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)

💡 Note

🔧These kept figures assume the basic 20%/8% band. Above £50,270 you keep ~58% of overtime pay instead. The calculator applies your real marginal rate.

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.