Overtime & Take-Home Pay Calculator 2026 (UK & US) – Free Hourly to Salary Tool
Working overtime? Before you assume that extra shift bumps up your paycheque as much as you think, run the numbers first. This free overtime and take-home pay calculator converts your hourly rate into an annual salary, adds your overtime pay, and then estimates what actually lands in your bank account after tax — for both the UK and the US, using 2026 tax year rates.
Whether you’re checking a job offer, negotiating overtime, or just curious how much of your overtime pay is really “take-home,” this hourly-to-salary calculator gives you an instant, no-signup estimate of your real paycheck.
Estimate only — federal/national rates for the 2026 tax year. Doesn't include state/local tax, student loans, pension contributions or benefits.
How to use the overtime & take-home pay calculator
- Choose your country — UK or US.
- Enter your hourly rate, regular hours per week, and any overtime hours.
- Pick your overtime multiplier — 1.5x (time-and-a-half) is the most common, 2x is double time.
- US users: select your filing status (Single, Married Filing Jointly, or Head of Household).
- Click Calculate take-home pay to instantly see your gross salary, overtime pay, tax/NI/FICA deductions, and your real take-home pay — annually and monthly.
How is take-home pay calculated in 2026?
United Kingdom (2026/27 tax year)
- Personal Allowance: £12,570 tax-free (reduced by £1 for every £2 earned above £100,000, reaching zero at £125,140).
- Income Tax: 20% basic rate up to £50,270, 40% higher rate up to £125,140, 45% additional rate above that.
- National Insurance (Class 1, employee): 8% on earnings between £12,570 and £50,270, then 2% above £50,270.
United States (2026 tax year, federal)
- Standard deduction: $16,100 (Single), $32,200 (Married Filing Jointly), $24,150 (Head of Household).
- Federal income tax: seven progressive brackets from 10% to 37%, depending on filing status.
- FICA: 6.2% Social Security (up to the $184,500 wage base) plus 1.45% Medicare, with an extra 0.9% Additional Medicare Tax above $200,000 ($250,000 for joint filers).
Note: the US estimate covers federal tax only — it does not include state income tax (which varies by state), pre-tax deductions like 401(k), or health insurance premiums. The UK estimate does not include pension auto-enrolment, student loans, or Scottish income tax bands.
Frequently asked questions
Is overtime pay taxed at a higher rate?
No. Overtime is taxed the same way as regular pay. It can push part of your income into a higher tax bracket, but that higher rate only applies to the portion of income above the threshold — not your whole paycheck.
What’s the difference between an hourly-to-salary calculator and a take-home pay calculator?
An hourly-to-salary calculator converts your hourly rate into an annual gross salary. A take-home pay (net pay) calculator goes a step further and subtracts income tax and mandatory deductions such as UK National Insurance or US FICA, so you can see what actually hits your bank account.
Does this calculator include US state tax or UK student loan repayments?
Not yet. It currently estimates UK Income Tax and National Insurance, and US federal income tax plus FICA (Social Security and Medicare). State income taxes, pension contributions, and student loan deductions are not included.
How accurate is this take-home pay estimate?
It uses official 2026 tax year thresholds published by HMRC and the IRS, so it’s a close estimate for most employees — but your real payslip may differ slightly depending on your tax code, benefits-in-kind, or additional deductions.
