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United Kingdom•Tax Year 2026-27

Hourly Wage Calculator

Convert your hourly rate to annual, monthly and weekly salary — and see your real take-home pay after tax and National Insurance. Includes 2026 National Minimum Wage rates (£12.71 for 21+). Free, instant, accurate for tax year 2026-27.

Schedule 2026-27
Input Parameters
£15.00
£
37.5h
52w
Estimated Annual Take-Home
£23,429.10
✅ Above National Living Wage (£12.71/hr)Legal Min: £12.71/hr
Net Hourly Take-Home: £12.01 / hrGross Weekly: £562.50
Take-Home Pay:80.1%
Income Tax:11.4%
Other Deductions / NI:8.5%
Hourly Net£12.01
Total Tax£3,336.00
Weekly Net£450.56
Monthly Net£1,952.42
Gross to Net Conversion Breakdown (2026-27)
FrequencyGross PayTax & NITake-Home Pay
Hourly£15.00-£2.99£12.01
Weekly£562.50-£111.94£450.56
Monthly£2,437.50-£485.08£1,952.42
Annual£29,250.00-£5,820.90£23,429.10
Step-by-Step Practical Calculations

Worked Calculation Examples (United Kingdom)

Real-world numerical scenarios showing how statutory tax brackets, deductions, and exemptions are applied step-by-step.

Example 1£15.00 / hour (£562.50 / wk, £29,250.00 / yr)

Standard Full-Time Hourly Rate (£15.00/hour, 37.5 hrs/week)

An adult worker aged 21+ earning £15.00/hour on a standard 37.5 hours/week schedule across 52 weeks without student loan.

Calculation Breakdown
Contracted Hourly Rate£15.00 / hr
Weekly Gross Pay (37.5 hrs)£562.50
Annual Gross Salary (52 wks)£29,250.00
Tax-Free Personal Allowance£12,570.00
Income Tax (20% Basic Rate)-£3,336.00
Class 1 National Insurance (8%)-£1,334.40
5% Auto-Enrolment Pension-£1,150.50
Annual Net Take-Home Pay£23,429.10
Monthly Net In-Pocket Pay£1,952.43
Real Net Take-Home Per Hour£12.01 / hr

Key Takeaway: At £15.00/hour, you exceed the £12.71 National Living Wage by £2.29/hr. After all statutory tax, NI, and pension deductions, your actual in-pocket hourly wage is £12.01/hour.

Example 2£11.50 / hour (£230.00 / wk, £11,960.00 / yr)

Part-Time Student / Young Worker (£11.50/hour, 20 hrs/week)

An 18–20 year-old worker earning £11.50/hour working 20 hours per week (£11,960 annual gross).

Calculation Breakdown
Hourly Rate (18–20 Band)£11.50 / hr
Statutory Min Wage for 18–20£10.85 / hr
Annual Gross Earnings£11,960.00
Income Tax (Under £12,570 Allowance)£0.00 (Nil)
National Insurance (Under Threshold)£0.00 (Nil)
Annual Net Take-Home Pay£11,960.00
Real Net Take-Home Per Hour£11.50 / hr

Key Takeaway: Because annual earnings remain under the £12,570 Personal Allowance and NI primary threshold, 100% of your earnings are retained with zero tax deductions.

Researched by CalcWorldwide Tax Team
Updated: August 2026 (2026-27)
Statutory Rates Verified
Official Statutory Sourcing (2026-27)

Audited against published schedules under the UK Finance Act 2025/2026 & National Minimum Wage Regulations from HM Revenue & Customs (HMRC).

gov.uk/browse/tax
UK Low Pay Commission & HMRC Legislation

UK Hourly Wage to Annual Salary & National Minimum Wage Guide (2026-27)

Work out what your hourly wage is really worth in net take-home pay. Enter your hourly rate to instantly convert it to weekly, monthly, and annual earnings — then see exact deductions for PAYE Income Tax, Class 1 National Insurance, workplace auto-enrolment pensions, and student loan repayments for the 2026-27 tax year. The calculator also cross-references your pay with the statutory National Minimum Wage / National Living Wage rates effective from 1 April 2026 (£12.71/hr for ages 21+).

Official UK Statutory Minimum Wage Rates (1 April 2026 → 31 March 2027)

Age Band / CategoryStatutory Hourly Rate (from April 2026)Previous (2025-26)Statutory Increase
21 and over (National Living Wage)£12.71 / hr£12.21+£0.50 (+4.1%)
18 to 20 years old£10.85 / hr£10.00+£0.85 (+8.5%)
16 to 17 years old (Under 18)£8.00 / hr£7.55+£0.45 (+6.0%)
Apprentice Rate£8.00 / hr£7.55+£0.45 (+6.0%)

Accommodation Offset: From 1 April 2026, the maximum accommodation offset that an employer can count towards minimum wage is £11.10 per day (£77.70 per week). Source: Official UK Low Pay Commission & gov.uk statutory minimum wage schedule.

How to Use This Calculator (3 Steps)

Step 1: Enter Rate

Enter your hourly pay rate and contracted weekly hours (default 37.5 hrs/week across 52 weeks).

Step 2: Check Age Band

Select your age category to verify compliance against statutory National Living Wage (£12.71/hr).

Step 3: Compare Take-Home

View exact net take-home per hour, week, month, and year after PAYE income tax, 8% NI, and pension.

Looking for full annual salary breakdowns?

Try our UK Salary Calculator and Take-Home Pay Calculator with salary sacrifice pension and student loans.

Salary CalculatorTake-Home Pay
Core Mathematical FormulaStatutory 2026-27
Net Take-Home = Gross Salary − Income Tax (20%/40%/45%) − National Insurance (8%/2%) − Pension Contribution − Student Loan Repayment

Statutory Allowances & Deductions

Basic Personal Allowance / Exemption

Standard £12,570 Personal Allowance provides 100% tax-free income on foundational earnings before the 20% basic rate applies.

Reliefs & Allowable Deductions

Workplace pension salary sacrifice reduces both Income Tax (20%/40%) and Class 1 National Insurance (8%), maximizing take-home efficiency.

Frequently Asked Questions (United Kingdom)

From 1 April 2026, the National Living Wage for workers aged 21 and over is £12.71 per hour. Workers aged 18–20 receive £10.85, and under-18s and apprentices receive £8.00.

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