Overtime After Tax Calculator
Find out exactly how much of your overtime pay you keep after Income Tax and National Insurance. Calculate take-home pay for standard hours, 1.5x time-and-a-half, and 2x double time.
Calculate Take-Home Pay on Overtime Hours
Gross rate: £30.00/hour
+£216.00for 10 hours
How Overtime Pay Is Taxed in the UK (2026/27)
Under Section 62 of the Income Tax (Earnings and Pensions) Act 2003 (ITEPA 2003), all overtime, weekend shift enhancements, and bank holiday premiums are classified as employment earnings. In the UK, there is no special “overtime tax penalty”.
Because your regular basic salary normally consumes your £12,570 tax-free Personal Allowance across the payroll year, your overtime earnings are taxed at your marginal deduction rate:
Deductions total 28% (20% Income Tax + 8% Class 1 NI). You keep 72p of every £1 earned on overtime.
Deductions total 42% (40% Income Tax + 2% Class 1 NI). You keep 58p of every £1 earned on overtime.
Deductions total 62% (60% effective Income Tax via allowance reduction + 2% NI). You keep 38p of every £1.
Quick Overtime Rates Matrix (2026/27)
UK employment contracts typically benchmark enhanced overtime pay across three standard multiplier tiers. Because your normal contractual hours consume your tax-free personal allowance, overtime pay is taxed at your marginal rate (20% Income Tax + 8% Class 1 NI = 28% total deductions for basic rate taxpayers, retaining 72p of every £1 earned):
Standard weekday overtime rate for extra hours worked immediately before or after a normal shift, or early morning call-ins.
Standard shift worker premium applied to Saturday work, late night/unsocial hours, and scheduled rest-day working.
Premium rate reserved for Sunday shifts, statutory bank holidays (Christmas, New Year, Easter), and emergency call-outs.
| Base Hourly Rate | Overtime Rate Tier | Gross Overtime Pay | Marginal Deductions (28%) | Net Hourly Take-Home | Net Take-Home (8h Shift) |
|---|---|---|---|---|---|
| £15.00/hr | 1.25x (Time & a Quarter) | £18.75/hr | -£5.25/hr | £13.50/hr | £108.00 in bank |
| £15.00/hr | 1.50x (Time & a Half) | £22.50/hr | -£6.30/hr | £16.20/hr | £129.60 in bank |
| £15.00/hr | 2.00x (Double Time) | £30.00/hr | -£8.40/hr | £21.60/hr | £172.80 in bank |
| £20.00/hr | 1.25x (Time & a Quarter) | £25.00/hr | -£7.00/hr | £18.00/hr | £144.00 in bank |
| £20.00/hr | 1.50x (Time & a Half) | £30.00/hr | -£8.40/hr | £21.60/hr | £172.80 in bank |
| £20.00/hr | 2.00x (Double Time) | £40.00/hr | -£11.20/hr | £28.80/hr | £230.40 in bank |
| £25.00/hr | 1.25x (Time & a Quarter) | £31.25/hr | -£8.75/hr | £22.50/hr | £180.00 in bank |
| £25.00/hr | 1.50x (Time & a Half) | £37.50/hr | -£10.50/hr | £27.00/hr | £216.00 in bank |
| £25.00/hr | 2.00x (Double Time) | £50.00/hr | -£14.00/hr | £36.00/hr | £288.00 in bank |
| £30.00/hr | 1.25x (Time & a Quarter) | £37.50/hr | -£10.50/hr | £27.00/hr | £216.00 in bank |
| £30.00/hr | 1.50x (Time & a Half) | £45.00/hr | -£12.60/hr | £32.40/hr | £259.20 in bank |
| £30.00/hr | 2.00x (Double Time) | £60.00/hr | -£16.80/hr | £43.20/hr | £345.60 in bank |
*Calculations reflect 2026/27 basic rate taxpayers (20% Income Tax + 8% Class 1 National Insurance). Higher rate taxpayers (£50,270+ taxable earnings) face 42% marginal deductions (40% IT + 2% NI), retaining 58% of gross overtime pay.
Take-Home Pay for 10 Hours of Overtime: Realistic Worked Benchmarks
The table below models net take-home earnings for 10 overtime hours worked in a single monthly pay period across common hourly rates:
| Standard Rate | Multiplier | Gross Overtime (10h) | Tax & NI Deductions | Net Take-Home | Effective Hourly Net |
|---|---|---|---|---|---|
| £15.00/hr | 1.5x Time & Half | £225.00 | -£63.00 | £162.00 | £16.20/hr |
| £18.00/hr | 1.5x Time & Half | £270.00 | -£75.60 | £194.40 | £19.44/hr |
| £20.00/hr | 2.0x Double Time | £400.00 | -£112.00 | £288.00 | £28.80/hr |
| £25.00/hr | 1.5x Time & Half | £375.00 | -£105.00 | £270.00 | £27.00/hr |
| £30.00/hr | 1.5x Time & Half | £450.00 | -£189.00 | £261.00 | £26.10/hr |
| £35.00/hr | 2.0x Double Time | £700.00 | -£294.00 | £406.00 | £40.60/hr |
Working Time Regulations 1998 & 48-Hour Statutory Limit
Under Regulation 4 of the Working Time Regulations 1998, UK employers cannot legally compel workers to work more than an average of 48 hours per week, calculated over a standard 17-week reference period.
If you choose to work overtime hours that exceed the 48-hour weekly threshold, your employer must obtain a signed voluntary written opt-out agreement. Workers retain the absolute statutory right to revoke their opt-out agreement at any time by giving written notice (normally between 7 days and 3 months).
Understanding Temporary Monthly Tax Spikes
Under the Income Tax (Pay As You Earn) Regulations 2003 (SI 2003/2682), payroll software calculates your tax assuming your earnings in that specific pay run represent your earnings for the entire 12 months. If a massive overtime payment pushes a single month's pay above £4,189.17, higher rate tax will be deducted for that month. Because PAYE is cumulative across the tax year, any excess tax is automatically refunded in your subsequent payslips when your earnings return to normal.
Frequently Asked Questions: UK Overtime Pay
Clear answers based on official HMRC rules and statutory guidance.
Authored and verified by UK tax and payroll specialists in accordance with the Income Tax (Earnings and Pensions) Act 2003 (ITEPA 2003), Working Time Regulations 1998, and Social Security Contributions and Benefits Act 1992 (Section 6). Calculations reflect the 2026/27 tax year.
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Use the stated tax code and gross pay to compare employment deductions in England, Wales and Northern Ireland. Monthly, weekly and daily figures divide an annual result; they do not reconstruct cumulative payroll.
The main pension input models salary sacrifice. Irregular pay, benefits in kind, multiple employments and a different pension method can change a real payslip. Use the Scottish tool for Scottish employment income.
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Official guidance supports the rules described here; it does not approve or certify this calculator. Confirm dates, eligibility and unsupported cases before making a financial decision.