NHS Overtime & Bank Shift Pay Calculator
Calculate your net take-home earnings from extra **NHS bank and overtime shifts** for the **2026/27 tax year**. Our free NHS overtime calculator computes your gross shift rate (including **1.5x time-and-a-half**, **2.0x double time**, and **unsocial hours enhancements** for nights, Saturdays, and Sundays). It then applies your **marginal tax rate** (including **Scottish tax bands**), National Insurance, and optional NHS Pension deductions, showing you exactly how much cash you actually take home in your pocket from working extra hours.
Reference Salary Tables & Quick Facts
NHS Overtime Overview & Calculation Basis
This calculator operates under the official 2026/27 Agenda for Change and NHS Terms and Conditions of Service. All calculations are performed in real time as you adjust inputs.
| Deduction / Allowance | Rate / Threshold (2026/27) |
|---|---|
| Personal Allowance | £12,570 (Standard Tax Code: 1257L) |
| National Insurance | 8% on earnings between £12,570 and £50,270 (2% above) |
| NHS Pension Tiers | 5.2% to 12.5% based on pensionable pay |
Frequently Asked Questions
NHS Overtime Rules & Rates (Section 3)
NHS overtime is paid to staff who work hours in excess of the standard full-time week of **37.5 hours**. Overtime is governed by **Section 3 of the Agenda for Change handbook**:
- Standard Overtime Rate: Overtime is paid at **time-and-a-half (1.5x)** your basic hourly rate.
- Public Holidays: Any overtime worked on a public bank holiday is paid at **double time (2.0x)**.
- Band 8 & 9 Exclusion: Under standard AfC terms, staff in **Bands 8a to 9** are not eligible for overtime payments.
- Part-Time Staff: Part-time staff are paid at their basic single rate until their total weekly hours exceed 37.5 hours.
