Overtime Calculator 2025-2026
Calculate how much overtime pay you'll actually take home after tax, National Insurance, student loans, and pension contributions. See if those extra hours are worth it.
Ready to Calculate
Enter your hourly rate and overtime details to see how much you'll take home.
Understanding Overtime Pay
Overtime is taxed just like regular income - it's added to your total earnings for the year and taxed at your marginal rate. This means you don't keep the full overtime rate multiplier after tax. Our calculator shows you exactly what you'll take home.
Common Overtime Rates
- ✓ Time and Quarter (1.25x) - Common for evenings
- ✓ Time and Half (1.5x) - Standard overtime rate
- ✓ Double Time (2x) - Weekends and bank holidays
- ✓ Triple Time (3x) - Special occasions (rare)
Is Overtime Worth It?
- ✓ Check your effective take-home per hour
- ✓ Consider work-life balance impact
- ✓ Account for additional costs (travel, childcare)
- ✓ Watch for tax bracket changes
- ✓ Student loan repayments increase with overtime
Important Considerations
This calculator assumes overtime is paid at a consistent rate throughout the year. If you only work overtime occasionally, your actual tax may vary slightly. The calculator also assumes your employer correctly applies your tax code to all earnings.
Remember that working overtime may push you into a higher tax bracket or affect means-tested benefits. Always consider the full financial picture before committing to regular overtime.