Income tool
Overtime Pay Calculator UK
Estimate overtime pay based on your hourly rate, overtime multiplier, and hours worked. See the gross overtime amount and a simplified take-home pay estimate after tax, National Insurance, pension, and optional student loan repayments.
Include student loan repayments
Toggle this on for a broader net pay estimate.
What this calculator includes
This tool estimates gross overtime pay and compares estimated take-home pay with and without overtime. Actual payslips can vary depending on tax code, payroll timing, pension setup, student loan plan, bonuses, and employer rules.
Overtime rate
£22.50
Your estimated overtime hourly rate.
Monthly overtime pay
£900.00
Estimated extra gross pay per month from overtime.
Extra monthly take-home
£522.00
Estimated net monthly uplift after deductions.
Total monthly take-home
£2,470.01
Estimated monthly take-home including overtime.
Overtime summary
Useful boost
This amount of overtime gives a meaningful increase to monthly earnings without needing a full salary change.
Annual overtime pay
£10,800.00
Total annual gross
£40,800.00
Annual take-home
£29,640.15
Monthly gross
£3,400.00
How to think about overtime
Gross overtime can look attractive, but the more useful figure is often the extra monthly take-home after deductions.
This page helps you compare that uplift against your existing salary and see whether the extra hours create a meaningful change.
If overtime is irregular, it may be safer to use it for savings, debt reduction, or one-off goals rather than relying on it for fixed monthly bills.
How overtime pay is calculated
Overtime pay is usually calculated by multiplying your normal hourly rate by an overtime multiplier. For example, a 1.5x rate means you earn one and a half times your normal hourly pay for the overtime hours worked.
The gross overtime amount is not always the amount you keep. Tax, National Insurance, pension contributions, and student loan repayments may reduce the final take-home amount.
This calculator gives a simplified estimate only. Your actual pay may differ depending on your employer, payroll date, tax code, pension method, and whether overtime is paid weekly or monthly.
Hourly rate
Your normal hourly rate is the starting point for the calculation.
Multiplier
Overtime may be paid at 1.25x, 1.5x, 2x or another agreed rate.
Net pay
The take-home uplift can be lower than the gross overtime amount.
Related next steps
Overtime pay calculator FAQs
How is overtime pay calculated?
Overtime pay is usually based on your hourly rate multiplied by an overtime rate such as 1.5x or 2x.
Why is my extra take-home lower than the gross overtime figure?
Because tax, National Insurance, pension contributions, and student loan repayments may reduce the net amount you keep.
Is overtime worth it?
That depends on how much extra take-home it adds, how often you work it, and whether it creates a meaningful improvement to your finances.
Is this calculator financial advice?
No. This calculator gives a general estimate only and should not be treated as financial, tax, or payroll advice.
Next step
Use the extra income wisely
Once you know the estimated take-home uplift, a useful next step is putting it into your budget, savings goal, or debt payoff plan.
Related income tools
Take-Home Pay Calculator UK
Estimate salary after tax, National Insurance and other deductions.
Hourly to Salary Calculator
Convert hourly pay into weekly, monthly and annual salary.
Monthly Budget Planner
Use your extra income estimate in a realistic monthly plan.
Savings Goal Calculator
See how overtime income could help you reach a savings goal faster.
Important
This tool provides general estimates and educational guidance only. It does not account for your full personal circumstances and should not be treated as financial advice or a personal recommendation.