See what extra hours may actually add to take-home pay.
Use this focused route when overtime looks attractive in gross terms but you need to understand the real monthly reward after deductions.
Calculator
Enter details. Read the result.
Extra-hours impact
See what overtime may actually leave you with
This tool estimates whether extra hours are likely to feel worthwhile once deductions reduce the gross overtime figure.
Best use
Overtime take-home estimate
Best next step
Compare with higher base pay
Step 1
Enter the overtime setup
Use your approximate hourly rate, overtime hours, and multiplier to estimate the extra take-home.
Why overtime often disappoints
The gross overtime figure can look motivating, but the net result is what determines whether the extra hours really feel worthwhile.
Step 2
Read the extra-hours impact
This is designed to show how much the extra work may actually feel like after deductions.
Interpretation
This overtime should feel useful, but the deduction drag is noticeable
An estimated gross overtime amount of £270 should still help, but enough is being lost to deductions that the net result can feel smaller than many users expect.
Gross overtime
£270
Estimated net overtime
£184
Lost to deductions
£86
Keep rate
68%
This is the rough share of overtime estimated to remain after deductions in this setup.
Overtime reading
This overtime should feel useful, but the deduction drag is noticeable
An estimated gross overtime amount of £270 should still help, but enough is being lost to deductions that the net result can feel smaller than many users expect.
What to compare this against
If the net overtime reward feels weak, compare it against a higher base salary or another income route before assuming more hours is automatically the best option.
Compare with higher salary
Useful when the better question is more hours versus better base pay.
Open salary calculator
Return to the broader salary route for full take-home context.
Compare with bonus pay
Helpful when extra money could come from either route and you want clearer context.
2026/27
Current UK tax year
HMRC / GOV.UK
Reference sources
Estimate
Matches 2026/27 UK deduction reference rules with HMRC/GOV.UK guidance points.
Next