What's Left, step 1 of 7: What will I take home?
Overtime calculator
See what extra hours add to your pay before and after tax.
You'll keep about
£97
a week from £135.00 of overtime pay, after 20% tax and 8% National Insurance. That's about £16.20 for each extra hour.
Your overtime
| Item | Week | Month |
|---|---|---|
| Overtime pay | £135.00 | £585.00 |
| Tax and National Insurance | £37.80 | £163.80 |
| You keep | £97.20 | £421.20 |
Overtime is not taxed at a higher rate. It is added to your pay and taxed the same way. It can look like more is taken because tax is worked out on each payday, so a big overtime month can briefly push some pay into a higher band; it usually evens out over the year.
This is an estimate for a basic-rate taxpayer, not advice. Add your salary under More options to use your own tax band, pension and student loan.
Why your payslip might differ
Your payslip can be different from this if:
- your tax code isn't 1257L (check the code on your payslip);
- you pay into a pension or repay a student loan (add them under More options);
- you started or changed job this tax year, and you're on an emergency code;
- this month included a bonus or overtime;
- you have more than one job;
- you live in Scotland, where the tax rates are different.
For hours or pay, ask your payroll team. For a tax code, ask HMRC. Why is my pay different this month?
How overtime pay is worked out
Overtime pay is your hourly rate × the overtime multiplier × hours: £15 × 1.5 × 6 = £135 a week.
Basic-rate taxpayers lose 28p of each extra pound to Income Tax and National Insurance; above £50,270 it is 42p.
Common questions
Is overtime taxed more?
No. Overtime is added to your pay and taxed the same way as the rest of it. It can look as if more is taken because tax and National Insurance are worked out on each payday, so a big overtime month briefly looks higher; Income Tax evens out over the year. A basic-rate taxpayer keeps about 72p of every extra £1, before any pension or student loan.
Is overtime worth it?
At basic rate you keep about 72p of each extra £1 you earn: 20% goes in Income Tax and 8% in National Insurance. A student loan takes another 9% if you are over its threshold. Put your rate and hours into the calculator to see what you keep for each extra hour.
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These results are an estimate, not financial advice. They use the 2026/27 rates in force on 24 October 2026 and the inputs shown, so your actual tax, pay or costs may differ. Before making a decision about your money, check the figures with HMRC or your provider, or speak to a regulated financial adviser. Free, impartial guidance is available from MoneyHelper.
This page explains the rules using the 2026/27 rates in force on 24 October 2026. It is general information, not financial advice. For decisions about your own money, speak to a regulated financial adviser, or get free, impartial guidance from MoneyHelper.