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PayClear UK

Overtime calculator

Estimate only

See what overtime is worth after deductions — overtime is taxed at your marginal rate, not a special rate.

Tax year 2025/26 · rules last reviewed 22 August 2026 · engine v1.0.0 · calculated 16 October 2026

Illustrated payslip and tax calculation charts
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Used to find the rate your overtime is taxed at.

Scotland has its own income tax bands. Rates for the rest of the UK are the same.

Estimated net overtime pay

£172.80

From £240.00 gross · 28.0% deducted

Overtime breakdown

Gross overtime pay£240.00
Income tax− £48.00
National Insurance− £19.20
Student loan− £0.00
Estimated net overtime£172.80

You keep roughly 72.0% of this overtime, based on where it sits against your normal salary.

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How this calculator works

  • Gross overtime is your hourly rate multiplied by the hours and the multiplier.
  • We calculate your deductions on your salary alone, then again with the overtime added.
  • The difference between the two is the tax, National Insurance and student loan on the overtime.

Assumptions

  • Overtime is treated as extra pay in the same tax year as your normal salary.
  • Your normal salary is used only to work out which rate the extra pay falls into.
  • You are aged under State Pension age and pay Class 1 employee National Insurance where relevant.
  • You have the standard tax code with no adjustments, restrictions or underpayments carried forward.
  • Income is spread evenly across the tax year, so no month-by-month PAYE smoothing effects are modelled.
  • No other taxable income, taxable benefits in kind, salary sacrifice arrangements or Marriage Allowance transfers are included unless entered.
  • Pension contributions are treated as a net pay (salary sacrifice equivalent) deduction taken before income tax is applied.

Limitations

  • PAYE works per pay period, so a single large overtime payment can be deducted more heavily in that month and corrected later.
  • Pension contributions on overtime are not modelled.

Sources for 2025/26

This calculator estimates figures from what you entered and the published rates for 2025/26. Your actual position depends on your tax code, your employer's payroll, other income and reliefs. This is not tax advice — you may wish to seek professional advice. See our calculation methodology.

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