Estimated weekly net overtimeCalculating...

How overtime pay is estimated

The calculator works out normal weekly gross pay, adds overtime pay, then compares the estimated annual tax and National Insurance position before and after overtime. The difference is shown as the estimated extra deduction linked to the overtime.

Estimate only: payroll may tax overtime in the pay period, and real deductions can differ because of tax codes, pension deductions, student loans, benefits, unpaid breaks, holiday pay rules and employer rounding.

Multiplier or custom rate

Use 1.5x for time-and-a-half, 2x for double time, or custom rate if your payslip uses a specific overtime hourly rate.

Check paid hours

Only include paid overtime hours. Unpaid breaks, time off in lieu and salaried unpaid overtime can change the real value.

Tax bands matter

Overtime can sit in a higher marginal tax band than normal pay, so the net amount may be lower than the gross overtime suggests.

Overtime example

Five hours at time-and-a-half on a £15 hourly rate gives £112.50 gross overtime for the week. The take-home increase will usually be lower once Income Tax and National Insurance are considered, especially if regular pay already uses the personal allowance.

For irregular overtime, compare a normal week with a heavy overtime week. For predictable overtime, check the annual projection and compare it with payslips after a few pay periods.

Questions to check before counting on overtime

Check whether overtime is guaranteed, voluntary, capped, paid at a premium rate, paid as time off in lieu, or included in pensionable pay. Some employers calculate holiday pay, bonuses or shift premiums differently when overtime is regular rather than occasional.

If overtime is seasonal or irregular, use a conservative average rather than the busiest week. If the overtime pushes annual income into another tax band or student loan repayment zone, the net amount can be noticeably lower than the gross overtime line.