How Many Extra Shifts
To Reach Your Goal?
Saving for a car, house deposit, or holiday? Enter your target and we'll calculate exactly how many extra shifts you need — factoring in tax and NI on overtime.
How Does This Calculator Work?
Set Your Goal
Choose a savings target — from a driving test fund to a house deposit. Or enter any custom amount.
We Calculate Net Per Shift
Using your band's hourly rate and unsocial hours uplifts, we work out what you actually take home per extra shift after tax.
See Your Plan
Get a clear breakdown of how many shifts you need in total, per month, and per week to hit your timeline.
Frequently Asked Questions
Are extra shifts taxed differently?
Extra shifts are taxed at your marginal tax rate — the tax band your income falls into after your basic salary. For most Band 5 staff, this means 20% income tax + 8% NI = 28% deducted from extra earnings. Higher earners (above ~£50,270) will see 40% tax + 2% NI on additional income.
What counts as unsocial hours?
Under Agenda for Change Section 2, Saturday and weekday night hours (8pm–6am) attract a 30% uplift (41% for Band 2). Sundays and Bank Holidays attract a 60% uplift (83% for Band 2). Regular weekday shifts are paid at your basic hourly rate.
Is this for bank shifts or overtime?
This works for both NHS bank shifts and rostered overtime. The pay calculation is the same — based on your substantive band's hourly rate with the appropriate unsocial hours enhancement. Bank shifts are usually paid at the same rate unless your trust offers enhanced bank rates.
How accurate is the tax calculation?
We use 2024/25 UK tax bands and National Insurance rates. The calculator estimates your marginal rate based on your base salary, so extra shift income is taxed accordingly. For most NHS staff, this gives a very accurate figure. It does not account for student loan deductions or Scottish tax rates — use our main NHS calculator for those details.