Works with any currency. No country-specific rules applied.Includes NMW checker and 2026/27 tax band estimation for UK workers.
Income & Pay Tool
Time and a Half Calculator
Calculate your overtime pay at time and a half (1.5×), double time (2.0×), or any custom multiplier. Works with any currency and hourly rate — instant gross pay results.
Calculate your UK overtime pay at time and a half (1.5×), double time (2.0×), or a custom rate. Includes estimated net pay based on 2026/27 HMRC tax bands, a National Minimum Wage checker, and holiday pay guidance.
Time and a half means you receive 1.5 times your standard hourly rate for qualifying overtime hours. It is the most common overtime premium across retail, hospitality, healthcare, logistics and construction. The formula is straightforward:
For example: if your base rate is $20.00 per hour, your time and a half rate is $30.00. Work 5 overtime hours and you earn $150.00 in additional gross pay before tax.
For example: if your base rate is £14.00 per hour, your time and a half rate is £21.00. Work 5 overtime hours and you earn £105.00 in additional gross pay before tax.
Is time and a half legally required in the UK?
No. Time and a half is not a statutory right in the United Kingdom. The Working Time Regulations 1998 do not mandate any specific enhanced pay rate for overtime. The only legal minimum is that average hourly pay across all hours worked must not fall below the National Minimum Wage (NMW) or National Living Wage (NLW). Your entitlement to time and a half is governed entirely by your employment contract.
2026/27 National Minimum Wage Rates
From April 2026, the National Living Wage for workers aged 21 and over is £12.71 per hour. Workers aged 18–20 receive £10.85/hr, and those under 18 (including apprentices) receive £8.00/hr. This calculator automatically flags if your base rate falls below the applicable threshold.
Is overtime pay legally required?
This depends entirely on your country and employment contract. In the United States, the Fair Labor Standards Act (FLSA) requires time and a half for hours worked beyond 40 in a workweek for most employees. In the UK, there is no statutory right to enhanced pay — your contract governs. In Australia, penalty rates are set by Modern Awards. Always check your local employment law and contract. Switch to UK 2026/27 mode above for UK-specific minimum wage and tax guidance.
Calculator
Time and a Half Calculator
Enter your rate and hours — instant gross pay results.
Enter your rate and hours — includes UK tax and NMW estimates.
Your Pay Details
$
Overtime Multiplier
×1.5 — Time & Half×2.0 — Double TimeCustom
×
Hours Worked
Tax Estimation (Optional)
£
Used only to estimate your tax band on overtime. Not stored.
ResultsUK 2026/27Generic
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Rate below NMW Your base rate is below the National Minimum Wage for the selected age bracket. Employers are legally required to pay at least the NMW for all hours worked.
Higher Rate Tax Band — Your estimated annualised earnings including overtime exceed the £50,270 basic rate threshold. The portion above this threshold will be taxed at 40% rather than 20%.
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Enter your details on the left to see your overtime pay breakdown.
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Overtime Rate per Hour
Gross Overtime Pay
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Est. Net Overtime Pay
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Standard Weekly Pay
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Total Gross Weekly Pay
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Enter your details to generate a personalised summary.
Weekly Pay Breakdown
Standard pay (— hrs × —)—
Overtime pay (— hrs × —)—
Total gross weekly pay—
Estimated Deductions on Overtime
Income tax (est. —% marginal)—
National Insurance (est. 8%)—
Est. Net Overtime Pay—
Total Gross Weekly Pay—
Tax estimates are illustrative based on standard 2026/27 HMRC bands. Actual deductions depend on your tax code, pension and NI category. Use the UK Salary Calculator for full take-home pay.
Gross figures only — no tax deductions applied. Switch to UK 2026/27 mode for HMRC tax band and NMW estimates.
How the calculation works
Regardless of your country or currency, time and a half overtime pay is calculated the same way. Your base hourly rate is multiplied by the overtime multiplier (1.5 for time and a half, 2.0 for double time) to produce your overtime rate. That rate is then multiplied by the number of overtime hours worked to give your gross overtime pay for the period.
The key distinction everywhere is between gross pay (before taxes and deductions) and net pay (what you actually receive). This calculator shows gross figures in generic mode. Switch to UK mode to see an estimated net figure based on current HMRC bands.
UK regulatory framework: what you need to know for 2026/27
National Minimum Wage 2026/27
From 1 April 2026, the updated National Minimum Wage rates are:
Age Bracket / Category
Hourly Rate (April 2026)
21 and over (National Living Wage)
£12.71
18–20 years old
£10.85
Under 18 / Apprentice
£8.00
These rates apply to every hour worked, including overtime. Enhanced pay like time and a half counts towards your average — if you earn below NMW for standard hours and only reach the legal minimum once overtime is included, your employer is still in breach.
2026/27 PAYE tax bands (England, Wales and Northern Ireland)
Overtime is not taxed at a special rate in the UK. It is added to your gross earnings and processed through PAYE. The 2026/27 bands are:
Personal Allowance: £12,570 — 0% tax
Basic Rate: 20% on income from £12,571 to £50,270
Higher Rate: 40% on income from £50,271 to £125,140
Additional Rate: 45% on income over £125,140
Employee Class 1 National Insurance is charged at 8% on earnings between £12,570 and £50,270, and 2% above that. Thresholds remain frozen, meaning "fiscal drag" continues to draw more workers into higher bands as wages rise.
Working Time Regulations 1998
Under the Working Time Regulations, employees cannot legally work more than an average of 48 hours per week, calculated over a 17-week reference period. Workers may voluntarily sign a 48-hour opt-out agreement. Workers under 18 are capped at 40 hours per week and cannot opt out. The 48-hour cap is a health and safety protection — what triggers enhanced pay is solely your contract.
How overtime affects holiday pay
UK employment law requires that regular, settled overtime must be included in holiday pay calculations for the first four weeks of statutory leave. If you consistently work time and a half each week, your employer must factor this into your holiday pay, averaged over a 52-week reference period. This is one of the most commonly breached employee rights in the UK.
Self-employed and freelance workers
If you are a sole trader, limited company contractor, or freelancer, the Working Time Regulations and NMW provisions do not apply to you. Time and a half for the self-employed is purely a contractual negotiation. If your contract falls inside IR35, additional tax considerations apply to any deemed employment income.
Frequently Asked Questions
How do you calculate time and a half pay?
Identify your standard hourly gross pay rate.
Multiply your standard rate by 1.5 to establish your time and a half rate.
Determine the total number of overtime hours worked.
Multiply the time and a half rate by the overtime hours to calculate total gross overtime pay.
Add this figure to your standard weekly wage for your total gross earnings.
What is the difference between time and a half and double time?
Time and a half pays 1.5× your standard rate — for every $10 you normally earn, you receive $15. Double time pays 2.0× your standard rate — so you receive $20 for every $10 base rate. Double time is typically reserved for bank holidays, Sundays, or hours beyond a second overtime threshold. Use the multiplier selector in the calculator to switch between them.
Does overtime pay get taxed more?
Overtime pay itself is not taxed at a special higher rate in most countries. It is added to your total earnings for the period and taxed at your normal marginal rate. However, because overtime increases your total income for that pay period, it may push some of your earnings into a higher tax bracket — meaning the additional dollars or pounds could attract a higher rate of tax than your regular pay does. This is not a punishment for overtime; it is the standard progressive tax system at work.
What is double time pay?
Double time pay means your employer pays you twice your standard hourly rate (a 2.0× multiplier) for qualifying hours. It is commonly offered for bank holidays, Sundays, or extended shifts beyond a defined threshold. Like time and a half, entitlement to double time depends on your employment contract — it is not automatically required by law in most jurisdictions.
Do part-time workers get time and a half?
Whether part-time workers receive time and a half for overtime depends on your employment contract and local law. In many countries, the overtime threshold is based on a standard full-time week (e.g. 40 hours in the US under the FLSA), so a part-timer working 30 contracted hours would only reach the overtime threshold at 40 hours total — not at 30. In the UK, part-time workers are entitled to the same contractual overtime treatment as comparable full-time colleagues, but the trigger point may differ.
What is the UK overtime pay rate?
There is no single legally mandated overtime pay rate in the UK. Time and a half (1.5× the standard rate) is the most common contractual premium, but employers are free to set their own rates. The only legal floor is that average pay across all hours worked must not fall below the National Minimum Wage — £12.71/hr for workers aged 21 and over from April 2026.
Is time and a half mandatory in the UK?
No. Time and a half is not a legal requirement in the United Kingdom. Employers are not legally mandated to offer enhanced overtime pay rates. Your total average pay across all hours worked must never fall below the National Minimum Wage thresholds. Any entitlement to time and a half is governed purely by your employment contract.
Does overtime get taxed more in the UK?
No. Overtime pay is added to your total gross salary and taxed under standard PAYE Income Tax bands and Class 1 National Insurance. However, if overtime pushes your annualised income above the £50,270 higher rate threshold, that portion is taxed at 40% rather than 20% — not a special rate, just the standard progressive system applying to higher total earnings.
How does overtime affect holiday pay in the UK?
UK employment law requires that regular, settled overtime — even if non-guaranteed — must be included in statutory holiday pay calculations for the first four weeks of annual leave. If you consistently work overtime at time and a half, your employer must include this in your holiday pay, averaged over the preceding 52 weeks. Failing to include regular overtime in holiday pay is one of the most common unlawful deduction claims in the UK.
What happens to time and a half on a bank holiday in the UK?
There is no statutory right to enhanced pay for working UK bank holidays. Whether you receive time and a half, double time, or your standard rate depends entirely on your employment contract. Many retail, hospitality and healthcare roles do include a bank holiday premium, but it must be explicitly stated in your contract to be enforceable.
How much is time and a half for £12 an hour?
Time and a half for a £12.00 base rate is £18.00 per hour. Note that from April 2026, the National Living Wage for workers aged 21 and over is £12.71/hr — a base rate of £12.00 would fall below the legal minimum for that age group.
Can my employer force me to work overtime in the UK?
Your employer can only require you to work overtime if your contract explicitly permits it. Even compulsory overtime is capped at the 48-hour weekly average under the Working Time Regulations (unless you have signed a voluntary opt-out). You may withdraw a 48-hour opt-out by giving your employer at least seven days' notice.
Disclaimer: Results are gross figures only. No tax deductions are applied in generic mode. Overtime entitlement and required rates vary by country and employment contract. This calculator does not constitute legal or financial advice.
Disclaimer: Tax estimates are based on 2026/27 HMRC bands for England, Wales and Northern Ireland using standard tax code assumptions. Results are illustrative only and do not constitute financial or legal advice. Verify against your own tax code, pension and contract, or consult a qualified adviser.