Unpaid Overtime Calculator
See your real hourly rate once extra hours are included.
Enter your hours
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See Income Protection optionsUnpaid overtime calculator guide for UK employees
WeCovr's unpaid overtime calculator helps UK employees see their real hourly rate after extra hours, supported by FCA-authorised guidance and 900,000+ policies issued across protection products. It shows how overtime can reduce effective pay.
What this unpaid overtime calculator shows
The calculator converts your annual salary into a real hourly rate based on actual hours worked, then compares it to the minimum wage. It highlights how unpaid overtime affects your effective pay.
Results are indicative and should be used for awareness rather than employment advice.
Uses actual hours vs paid hours.
Shows effective hourly rate.
Compares against minimum wage.
Why the effective rate matters
Working more hours for the same pay can reduce the value of your time and increase financial strain if income stops due to illness or injury.
Why WeCovr links income and protection
WeCovr provides FCA-authorised guidance with high customer satisfaction ratings. We also offer complimentary access to the CalorieHero AI calorie tracking app and discounts when customers take PMI or Life insurance.
Data sources and guidance references
This guide references UK minimum wage guidance and FCA information on protection insurance.
Work hours impact
| Scenario | Hourly rate | Impact | Best for |
|---|---|---|---|
| Contracted hours | Higher | Stable pay | Standard schedules |
| Unpaid overtime | Lower | Reduced hourly value | High workload roles |
| Adjusted workload | Balanced | Improved sustainability | Long-term wellbeing |
Related WeCovr resources
FAQs
Can unpaid overtime reduce my hourly rate below minimum wage?
It can if your salary is fixed and your actual hours are much higher than your contracted hours.
Should I track my actual hours worked?
Yes. Tracking hours helps you understand your real hourly rate and whether work patterns are sustainable.
Does this calculator provide employment advice?
No. It is a financial awareness tool only.
Why link overtime to income protection?
If your real hourly rate is lower, a period without income can create a larger financial gap.