Overtime Calculator 2026/27
Overtime is never worth the headline rate. Enter your hours and multiplier to see the gross — and what is actually left after tax and National Insurance.
- Rates: GOV.UK — checked 5 Nov 2026
- Tested against HMRC worked examples
- Your salary never leaves your browser
Pre-filled from your salary at 37.5 hours a week — change it if your rate is different.
A student loan adds 9% (6% Postgraduate) to the marginal rate on overtime above your plan threshold.
Your overtime pay
— net
- Gross overtime
- —
- Marginal rate
- —
- Net per hour
- —
We could not load the 2026/27 rates. Please check your connection and refresh the page.
Rates checked 5 November 2026.
Every figure checked against HMRC's own examples.
Your salary never leaves your browser.
Rates re-checked by hand after every Budget.
Rates: GOV.UK — last checked 5 November 2026 See the official rates
How this is calculated
Gross overtime = your hourly rate × hours × multiplier. The net figure applies your marginal deduction rate — your marginal income-tax rate plus National Insurance (8% below £50,270, 2% above) plus any student loan — to that gross. Pension is left out because overtime is usually not pensionable. Your marginal rate comes from the same engine as the take-home pay calculator; the rates are on the 2026/27 rates page.
Examples — overtime on a £35,000 salary
Hourly rate £17.95 (from £35,000 at 37.5 hours a week), marginal rate 28% (20% tax + 8% NI), no student loan.
| Overtime | Gross | Net after tax & NI | Net per hour |
|---|---|---|---|
| 5 hours at 1.5× | £134.63 | £96.93 | £19.39 |
| 10 hours at 1.5× | £269.25 | £193.86 | £19.39 |
| 8 hours at 2× | £287.20 | £206.78 | £25.85 |
Questions
How much is overtime worth after tax?
Less than the headline rate. On a £35,000 salary your marginal deduction rate is 28% (20% income tax + 8% National Insurance), so 10 hours at time-and-a-half on a £17.95 hourly rate pays £269.25 gross but £193.86 after tax and NI. The calculator above works it out for your salary and multiplier.
Is overtime taxed at a higher rate?
No — overtime is taxed at your marginal rate, the same rate as your next pound of ordinary pay. It only feels higher because a big overtime month can push that month's PAYE into the 40% band temporarily, even if your yearly pay stays basic-rate. The annual figure is what counts.
Do I pay pension on overtime?
Usually not — most schemes take pension only on basic pay, so this calculator leaves pension out of the overtime deduction. If your employer does deduct pension on overtime, your net will be a little lower; check your scheme rules or your payslip.
What is time-and-a-half on £20 an hour?
£30 an hour. Ten hours at time-and-a-half is £300 gross. After 28% marginal deductions (basic-rate taxpayer) that is £216.00 in your pocket.
Is my pay sent anywhere?
No. The calculator runs entirely in your browser. No figure you enter is sent to a server, stored, or shared.
Related calculators
Take-home pay calculator · Hourly rate calculator · Bonus tax calculator · Income tax calculator · 2026/27 rates