How many extra shifts stand between you and the target?
Turn a savings gap into an estimate of overtime shifts and hours, using your role, shift length and marginal deduction assumptions.
Use the marginal rate, not your average rate
Extra earnings sit on top of regular pay, so the relevant deduction can differ from the average percentage shown on a payslip. The calculator lets you enter the Income Tax, National Insurance and pension percentages that best match the next pound of overtime.
Protect the plan from false precision
Overtime availability is never guaranteed. A sustainable plan should leave room for recovery, changing tax codes and months with fewer available shifts. For a fuller annual model, use the Pay Planner Pro.
Frequently asked questions
Is all firefighter overtime pensionable?
No. Pensionability depends on the payment and scheme rules. Check the payroll description or ask your administrator.
Does the result include savings interest?
No. It models only the remaining cash gap divided by estimated net overtime per shift.