£28,000 with 10 Hours Overtime After Tax | 2025-26
Time and a half · £21.54/hr overtime rate · Total gross: £28,215
Overtime tax breakdown 2025-26
| Item | Base salary | With overtime | OT impact |
|---|---|---|---|
| Gross | £28,000 | £28,215 | +£215 |
| Income Tax | −£3,086 | −£3,129 | −£43 |
| National Insurance | −£1,234 | −£1,252 | −£18 |
| Net take-home | £23,680 | £23,834 | +£154 |
£28,000 salary: how much does overtime pay after tax?
On a £28,000 salary, your base hourly rate is £14.36 (based on 37.5 hours/week, 1,950 hours/year). Overtime at time and a half is £21.54 per hour gross.
10 hours of overtime earns £215 gross. After income tax and National Insurance at your marginal rate of 28%, you keep £154 — effective overtime tax rate: 28.4%.
Your total take-home with overtime is £23,834 per year, compared to £23,680 on base salary alone — an extra £13 per month or £3 per week. Consider pension contributions or salary sacrifice to reduce your taxable income.
Frequently asked questions
How much overtime pay do I keep on a £28,000 salary?
On a £28,000 salary, 10 hours of overtime at time and a half (£21.54/hr) earns £215 gross. After income tax and NI, you keep £154. Tax deducted from overtime: £61 (effective rate: 28.4%).
What is the hourly rate for overtime on £28,000?
Your base hourly rate on £28,000 is £14.36 (based on 1,950 hours per year). Overtime at time and a half is £21.54 per hour gross. After tax at your marginal rate of 28%, each overtime hour nets you approximately £16.
How is overtime taxed in the UK?
Overtime pay is taxed as regular income — it is added to your annual salary and taxed at your marginal rate (28% income tax + NI combined for £28,000). There is no special overtime tax rate. If overtime pushes you into a higher tax band, only the portion above the threshold is taxed at the higher rate.
Is it worth doing overtime, or does tax eat most of it?
Overtime is always worth it financially — you never lose money by earning more. On £28,000 with 10 hours overtime, you keep £154 from £215 gross (effective overtime tax rate: 28.4%). Tax takes a share, but £154 extra per year (£3/week) still goes into your pocket. Your total take-home rises to £23,834/year.
Why does my overtime feel more heavily taxed than my regular pay?
It is not more heavily taxed — overtime is taxed at exactly the same marginal rate (28% income tax + NI) as the last pound of your salary. The reason it can feel more taxed is that your payroll department sometimes withholds extra tax in months with a big overtime payment (to avoid a year-end underpayment). Any overpayment is refunded through your payslip or a self-assessment tax return. The real effective overtime tax rate here is 28.4%.
How many hours overtime would I need for an extra £1,000 take-home on £28,000?
On £28,000, each overtime hour nets you approximately £15 after tax. To take home an extra £1,000 net, you would need around 65 hours of overtime (at time and a half).