Overtime calculator

Overtime Pay Calculator 2026/27

Enter your hourly rate and overtime hours to see exactly how much you'll take home after income tax and National Insurance — with marginal rate estimation based on your salary.

Your details

Hourly rate (£)

Your normal hourly pay rate.

Overtime hours

Number of overtime hours in this period.

Rate multiplier

I know my annual salary

Enter your salary to estimate marginal tax rates on overtime.

Tax code

Check your payslip for your code.

Your results

Gross overtime pay

£225

£15 × 1.5x × 10 hrs

Tax deduction

—

NI deduction

—

Net overtime pay

—

How Overtime Is Taxed

Overtime pay is treated as part of your taxable income by HMRC. It is not taxed at a special "overtime rate" — instead, it is added to your total earnings and taxed at your marginal rate, which is the income tax band your highest pound of earnings falls into.

If your overtime pushes you into a higher tax band (for example, from the 20% basic rate into the 40% higher rate), only the portion that crosses the threshold is taxed at the higher rate. This is why knowing your annual salary helps produce a more accurate estimate.

National Insurance on overtime is calculated the same way as on your normal salary — at 8% on earnings between £12,570 and £50,270, then 2% on anything above £50,270 for 2026/27.

Frequently asked questions

Is overtime always taxed at a higher rate?

No. Overtime is taxed at your marginal rate — the rate your total income falls into. If you're well within the basic rate band, overtime is simply taxed at 20%. Only when total earnings cross into a higher band does the rate increase, and only on the amount above the threshold.

How do I find my marginal tax rate?

Check your total annual income (salary plus any regular bonuses). In the UK for 2026/27, the basic rate (20%) applies up to £50,270, the higher rate (40%) applies from £50,271 to £125,140, and the additional rate (45%) applies above that. If you enter your salary in this calculator, it will estimate your marginal rate automatically.

Does overtime count towards National Insurance?

Yes. All earnings including overtime count towards your National Insurance contributions. Class 1 NI is charged at 8% on qualifying earnings between £12,570 and £50,270, then 2% above £50,270 for the 2026/27 tax year.