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Pay and student loans
Overtime pay
Estimate the extra tax, NI and take-home pay from regular overtime at the same employer.
Open calculatorEngland / 2026/27
Overtime take-home pay calculator
Calculations run in your browser.
Extra take-home from overtime / year
| Extra gross pay | £5,200.00 |
|---|---|
| Extra Income Tax | £1,040.00 |
| Extra National Insurance | £416.00 |
| Extra loan repayments | £0.00 |
| Total take-home / year | £28,863.60 |
| Extra take-home / month (annual ÷ 12) | £312.00 |
Annual same-employer comparison without pensions. A one-off payment can produce different NI and loan deductions in payroll. Monthly figures divide the annual result; they do not predict the month in which a bonus is paid.
Check the inputs to calculate a result.
Calculation details
Calculation
Annual overtime is the hourly overtime rate multiplied by hours and weeks. The calculator compares annual pay before and after adding overtime. Enter the actual overtime rate, including any time-and-a-half or double-time premium.
Example
£20 an hour for five hours a week over 52 weeks adds £5,200 gross. On a £30,000 base salary with no loans, annual take-home rises by £3,744.
Limits
England 2026/27, one job, standard Personal Allowance and its taper. Annual NI and loan approximations do not reproduce a one-off payroll payment. Other income, benefits, special tax codes and pension contributions are excluded unless explicitly entered.
Sources
- Personal Allowance and adjusted-net-income taper
- Category A rates and annual NI thresholds
- NI normally deducted per pay period
- Separate employment NI liabilities and aggregation exceptions
- Plan thresholds, rates and simultaneous undergraduate/postgraduate deductions
- Loan earnings follow Class 1 NI earnings; pension net pay does not lower loan earnings
- Multiple employers and Self Assessment loan aggregation
- Voluntary repayments may not help before write-off and are not refundable
Checked 2026-10-25. Estimate only, not financial advice.