Estimate the take-home impact of overtime pay after UK tax, National Insurance, pension, and student loan deductions.
Use this overtime pay calculator to estimate extra gross overtime and the likely take-home impact after PAYE deductions. It annualises the selected overtime pattern for planning, so contract rules and payroll timing still need checking.
Add the overtime to the annual figure. Overtime is taxed at your marginal rate, so the extra is worth less than the headline.
Of £32,000.00 gross a year: Income Tax £3,886.00, National Insurance £1,554.40, Take-home £26,559.60.
Of the £2,000, you keep £1,440. The rest goes to Income Tax and National Insurance at your marginal rate.
Saving £110 a month — about 5% of this take-home — becomes £7,279.69 in five years at an example 4%: try the savings calculator.
2026/27 rates, England, Wales and Northern Ireland, no student loan. Open the full calculator to change region, student loan or pension method.
Payslip showing different figures? The payslip checker works out what your pay and tax code should have produced and shows which assumption could explain the gap.
Planning estimate only. Pay-event outputs cannot confirm real payroll treatment, HMRC records, employer policy, employment terms, or payslip timing.
| Tax year | 2026/27 |
|---|---|
| Income Tax impact | £720 |
| National Insurance impact | £288 |
| Student loan impact | £0 |
Overtime is modelled as extra taxable employment earnings from hourly rate, overtime hours and multiplier. Contract rules, enhanced rates and payroll timing can vary.
| Tax/source year | 2026/27 |
|---|---|
| Region | England/Wales/Northern Ireland |
| Tax code basis | 1257L where the page uses PAYE defaults |
| Pension basis | No pension deduction unless this example says otherwise |
| Student loan basis | No student loan unless selected in this example |
| Gross pay | Employment pay before PAYE deductions and pension or loan settings. |
|---|---|
| Income Tax | Tax estimated from the selected tax-year, region, tax code and taxable-pay assumptions. |
| National Insurance | Employee NI is calculated separately from Income Tax and may not follow the same bands. |
| Pension and loans | Pension method and student-loan plan can change take-home pay and payslip comparisons. |
| Pension contribution | Changing the rate or method can change taxable income, National Insurance and take-home pay. |
|---|---|
| Tax code and region | Scottish Income Tax, Welsh codes, emergency tax or a non-standard tax code can move the result. |
| Student loan plan | A different plan can change deductions because each plan uses its own threshold and repayment rate. |
| Bonus, overtime or second job | Extra pay and payroll timing can make a real payslip differ from the smooth annual estimate. |
| Tax code | HMRC tax-code changes, K codes, BR/D codes, or emergency markers can change PAYE deductions. |
|---|---|
| Cumulative basis | Week 1, Month 1 or non-cumulative payroll can differ from a smooth annual calculator estimate. |
| Pension method | Relief at source, net pay and salary sacrifice can affect taxable pay and take-home pay differently. |
| Payroll timing | Bonus, overtime, arrears, refunds, cut-off dates and corrections can all move a single payslip. |
| Why is the tax on my payslip higher than expected? | payslip difference |
|---|---|
| What do the main payslip lines mean? | payslip explainer |
| What tax code should I use for modelling? | tax code |
| How much does pension reduce take-home pay? | pension comparison |
| How does this affect a monthly budget? | budget planning |
| What is not decided here | PayBreakdown does not decide payroll correctness, lender approval, benefit entitlement or employer compliance, and does not give regulated financial, mortgage, debt, tax, payroll or legal advice. |
|---|
The figures on this page are worked from overtime pay, using the values below. Open the calculator if your example salary differs.
The calculator multiplies hourly rate, overtime hours and overtime multiplier, then annualises that extra pay through the shared salary engine.
This estimate is worked out on £30,000 annual gross. Change any of those and the take-home figure moves; pension method and student loan plan usually move it most. A payslip can differ from any calculator because payroll works pay period by pay period, so a tax-code change, a bonus, arrears or a refund can land in one month and not the next. See how each deduction is worked out.
The calculator works out gross overtime from rate, hours and multiplier, then compares take-home pay before and after that extra taxable income.
Overtime is normally employment income. It can be taxed at a higher marginal rate if the extra pay sits in a higher band or increases student-loan deductions.
Contract rules, pay period, payroll timing, tax code, pension setup and employer treatment can all change the actual payslip result.
Last updated 2026-08-27. Checked by Sean Elsmore. Rates last checked against GOV.UK on 2026-08-07. Estimates are for planning and should be checked against official records where the decision matters.