How much overtime you keep

Extra pay after tax, NI and student loan.

Your details

Your result

Extra take-home this year£2,160
  • You keep72%£2,160
  • Tax, NI and loan28%£840
Take-home without it£30,720
Take-home with it£32,880
Share you keep72.0%
Show the working
Income tax and NI on your new total of £43,000
Personal allowance£12,570
Taxable income: £41,000 − £12,570£28,430
Income tax 20% on £28,430£5,686
NI 8% on £30,430£2,434
Assumptions and limits

Overtime is taxed at your marginal rate, not a special higher rate. A one-off payroll spike can look worse than the yearly picture. Overtime is assumed not to count towards your pension.

Sources: Income Tax rates · National Insurance rates · Student loan repaymentsTax year 2026/27

Common questions

Is overtime taxed more than normal pay?

No. It’s taxed at your normal rates. It can look higher on a payslip because it all lands in one month.

Does overtime count towards my pension?

It depends on your scheme. Regular overtime is often pensionable; occasional overtime often isn’t. Check your scheme rules.

How we calculate

Every calculator uses the published 2026/27 rates from one shared set of rules, so when a rate changes, it changes everywhere.

Where rates come from

Tax, National Insurance, student loan, benefit and property tax rates come from GOV.UK. Each calculator links to its sources.

What we don’t cover

Scottish income tax bands, tax codes other than 1257L, benefits in kind and your personal circumstances. Results are estimates to help you plan, not a payslip or advice.