£45,000 with 20 Hours Overtime in Wales | 2025-26
Wales Income Tax (same as England) · Time and a half · £34.62/hr overtime rate · Total gross: £45,692
Overtime tax breakdown — Wales 2025-26
| Item | Base salary | With overtime | OT impact |
|---|---|---|---|
| Gross | £45,000 | £45,692 | +£692 |
| Income Tax (Wales) | −£6,486 | −£6,624 | −£138 |
| National Insurance | −£2,594 | −£2,650 | −£56 |
| Net take-home | £35,920 | £36,418 | +£498 |
Wales vs Scotland: overtime take-home
In Wales, this overtime take-home is £153 more than in Scotland. Scotland's Higher Rate (42%) kicks in at £43,663 vs £50,270 in Wales.
£45,000 salary: how much does overtime pay in Wales after tax?
On a £45,000 salary in Wales, your base hourly rate is £23.08 (based on 37.5 hours/week, 1,950 hours/year). Overtime at time and a half is £34.62 per hour gross.
20 hours of overtime earns £692 gross. After income tax and National Insurance at your marginal rate of 28%, you keep £498 — effective overtime tax rate: 28.0%.
Your total take-home with overtime is £36,418 per year, compared to £35,920 on base salary alone — an extra £42 per month or £10 per week.
Wales taxes overtime as regular income — the same rates as England. National Insurance is the same across the UK. Only Scotland has different income tax rates.
Frequently asked questions
How much overtime pay do I keep in Wales on a £45,000 salary?
On a £45,000 salary in Wales, 20 hours of overtime at time and a half (£34.62/hr) earns £692 gross. After income tax and NI, you keep £498. Tax deducted from overtime: £194 (effective rate: 28.0%).
What is the hourly overtime rate in Wales on £45,000?
Your base hourly rate on £45,000 is £23.08 (based on 1,950 hours per year). Overtime at time and a half is £34.62 per hour gross. After tax at your marginal rate of 28%, each overtime hour nets you approximately £25.
How is overtime taxed in Wales?
Overtime pay in Wales is taxed as regular income — added to your annual salary and taxed at your marginal rate (28% income tax + NI for £45,000). Wales uses the same income tax rates as England: Basic (20%), Higher (40%), and Additional (45%). National Insurance is UK-wide. If overtime pushes you over £50,270, only the portion above the threshold is taxed at the higher rate.
What is my total take-home in Wales with 20 hours overtime on £45,000?
Your base salary take-home in Wales is £35,920 per year. With 20 hours overtime, total gross is £45,692 and total take-home is £36,418 — an extra £498 per year (£42/month or £10/week).
Is overtime taxed differently in Wales vs Scotland?
In Wales, this overtime leaves you with £153 more than in Scotland.
How many overtime hours do I need for an extra £1,000 take-home in Wales on £45,000?
On £45,000 in Wales, each overtime hour nets you approximately £25 after tax. To take home an extra £1,000 net, you would need around 41 hours of overtime (at time and a half).