'/%3E%3Ctext%20x='45'%20y='75'%20font-family='Arial,Helvetica,sans-serif'%20font-size='40'%20fill='%23fff'%3E%C2%A3%20/%20%24%3C/text%3E%3Ctext%20x='45'%20y='125'%20font-family='Arial,Helvetica,sans-serif'%20font-size='22'%20fill='%23eaf1ff'%3EHourly%20%E2%86%92%20Salary%20%E2%86%92%20Take-Home%3C/text%3E%3C/svg%3E "Take-Home Pay Calculator 2026: Overtime & Hourly to Salary (UK & US)")
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ToggleThis free take-home pay calculator (2026) converts your hourly rate — plus overtime — into an annual salary, then shows what actually lands in your bank account after UK Income Tax & National Insurance, or US Federal Tax & FICA. Updated for the 2026/27 UK tax year and 2026 US tax year.
Estimate only — assumes no pension contributions, student loan, benefits-in-kind, or local/city taxes, and (UK) England/Wales/NI rates. Scottish taxpayers pay different bands. Not tax advice.
Enter your hourly rate, your normal weekly hours, and any overtime hours. The tool first works out your gross pay — regular hours × rate, plus overtime hours × rate × your overtime multiplier — and annualises it (× 52 weeks). It then applies the correct 2026 tax rules for the country you select to estimate your net take-home pay.
Scotland uses different income tax bands and rates — this calculator uses the England/Wales/Northern Ireland bands. Source: gov.uk Income Tax rates and gov.uk National Insurance rates.
State income tax varies a lot (from 0% in states like Texas or Florida, to over 10% in California) — enter your own state's approximate flat rate above if you want it included. Federal figures don't include local/city taxes. Sources: IRS federal tax brackets and SSA contribution & benefit base.
UK example: A warehouse worker on £14/hour works 40 regular hours plus 6 overtime hours a week at time-and-a-half. That's £560 regular pay + £126 overtime pay = £686/week, or £35,672/year gross. After the £12,570 Personal Allowance, roughly £4,620 in Income Tax and £1,848 in National Insurance come out, leaving take-home pay of around £29,200/year — about £562/week.
US example: A retail associate in a no-income-tax state earns $18/hour for 40 regular hours plus 5 overtime hours at time-and-a-half. That's $720 regular pay + $135 overtime pay = $855/week, or $44,460/year gross. As a single filer, after the $16,100 standard deduction, federal tax comes to roughly $3,155 and FICA (Social Security + Medicare) to about $3,400, leaving take-home pay of around $37,900/year — about $729/week.
Use the calculator above with your own numbers — these examples are illustrative only.
Overtime pay is usually your normal hourly rate multiplied by an overtime multiplier — most commonly 1.5x ("time and a half") for hours beyond your standard week, though some employers pay 2x ("double time") for weekends, holidays, or hours beyond a higher threshold. This calculator lets you set your own multiplier.
No — to keep the estimate simple and comparable, it excludes pension contributions, student loan repayments, benefits-in-kind, and other salary sacrifice arrangements. Your actual take-home pay may be lower if these apply to you.
Not exactly. Scottish taxpayers are subject to separate Scottish Income Tax bands set by the Scottish Parliament, which differ from the England/Wales/Northern Ireland rates used here. National Insurance is unaffected and stays the same UK-wide.
Only if you enter a rate yourself. Federal tax and FICA (Social Security and Medicare) apply nationwide, but state income tax rates vary from 0% to over 10%, so you can add your own state's approximate flat rate for a more complete estimate.
Gross pay is your total earnings before any deductions. Take-home (net) pay is what's left after income tax and mandatory payroll deductions — National Insurance in the UK, or Federal tax and FICA in the US — are subtracted.
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