Enter your hourly rate and weekly hours below to see what you earn daily, weekly, monthly and annually plus an estimated take-home pay after Income Tax, National Insurance, pension and student loan deductions for the 2026/27 tax year.
Going the other way working out an hourly rate from an annual salary? Use our Salary to Hourly Calculator or Hourly Rate Calculator instead.
If you know your tax code, please enter it here.
If you are still repaying your student loan, select the repayment option that applies to you.
Do you contribute to a workplace or personal pension?
Are you receiving a one-off bonus or annual bonus?
How many hours of paid overtime do you do each month?
Do you have any other deductions before or after tax?
Do you have any salary sacrifice arrangements?
Additional working pattern options.
Gross Pay£0
Income Tax£0
National Insurance£0
Pension£0
Student Loan£0
Other Deductions£0
Your hourly rate is only half the story. What matters is what it adds up to over a week, a month and a year — and what actually lands in your bank account after tax. This calculator converts any UK hourly wage into daily, weekly, monthly and annual pay, with an estimated take-home figure for the 2026/27 tax year.
That is all there is to it — under a minute, no sign-up, and everything runs in your browser. Nothing you type is sent anywhere or stored.
If you would rather work it out by hand, the formula is simple:
Worked example: you earn £30,000 a year and work 37.5 hours a week. 37.5 × 52 = 1,950 hours a year. £30,000 ÷ 1,950 = £15.38 an hour.
The 52 covers the full year. If you take unpaid weeks off, use the number of weeks you are actually paid for instead — that small change is the reason two people on the same salary can have different hourly rates. Someone on £30,000 working 48 paid weeks (1,800 hours) earns £16.67 an hour, a full £1.29 more per hour than someone working all 52 weeks, for the same annual pay.
Our Salary to Hourly Calculator does this conversion for you, including unpaid leave, bonuses and salary sacrifice.
These are the figures people search for most. All assume a 37.5-hour week, 52 weeks a year, a standard 1257L tax code, and no pension or student loan deductions for the 2026/27 tax year:
| Hourly rate | Annual gross | Take-home / year | Take-home / month |
|---|---|---|---|
| £12.71 (National Living Wage) | £24,785 | £21,364 | £1,780 |
| £15.00 | £29,250 | £24,580 | £2,048 |
| £18.00 | £35,100 | £28,792 | £2,399 |
| £22.00 | £42,900 | £34,408 | £2,867 |
| £25.00 | £48,750 | £38,620 | £3,218 |
| £30.00 | £58,500 | £44,487 | £3,707 |
So £15 an hour is £29,250 a year before tax — roughly £24,580 in your pocket. Notice how the gap between gross and take-home widens as pay rises: at £30 an hour you keep about 76% of your gross, because earnings above £50,270 are taxed at 40%. Tax figures use the 2026/27 Personal Allowance of £12,570 and the rates published on GOV.UK's Income Tax rates page.
It depends on where you live and what you compare against, but here are the three benchmarks that matter:
The legal minimum. The National Living Wage is £12.71 an hour for workers aged 21 and over, from April 2026. Younger workers have lower minimum rates (£10.85 for 18–20, £8.00 for under-18s and apprentices). Nobody can legally pay you less than the rate for your age — check the current rates on GOV.UK's minimum wage rates page.
The voluntary Living Wage. The Living Wage Foundation sets a higher voluntary rate based on actual living costs — currently £14.10 an hour outside London (£15.45 in London).
The UK average. Median hourly pay in the UK sits around £15–£16 an hour. If you earn £15 an hour full-time, you are close to the middle of the national picture.
Your gross pay is not what you get. In the UK, three main deductions come off before your pay reaches you:
Income Tax — 20% on earnings above the £12,570 Personal Allowance (up to £50,270), then 40% above that. Full bands on GOV.UK.
National Insurance — 8% on earnings between £12,570 and £50,270, then 2% above that.
Pension and student loan — most employees pay at least 5% into a workplace pension, and graduates repay 9% of earnings above the student loan threshold.
That is why £15 an hour (£29,250 a year) leaves you about £24,580 — roughly £4,670 a year goes to tax and National Insurance before you ever see it. Add a 5% pension (£1,463) and the take-home drops to about £23,100. If you want the exact tax bands behind the maths, our UK Tax Brackets 2026/27 page lays them out.
The calculator follows the same order HMRC uses: start with your gross annual pay, subtract pension contributions made before tax, take off your Personal Allowance (£12,570 on a standard code), apply 20% Income Tax to the next slice up to £50,270 (40% above that), then apply National Insurance at 8% between £12,570 and £50,270 (2% above). Student loan comes off last, at 9% of earnings above the threshold.
Each step uses the published 2026/27 rates — which is also why the figures match what payroll software produces, as long as the inputs match your payslip. The biggest source of confusion is usually the Personal Allowance: it is not a separate payment, but the slice of your income the government does not tax. Earn £29,250 and only £16,680 of it is actually subject to Income Tax — the first £12,570 is untouched, which is why the effective tax rate feels lower than the 20% headline.
This is one of the most common reasons people use this calculator — comparing two offers where one quotes an hourly rate and the other an annual salary. Do not compare the headline numbers; compare the hourly value of each.
37.5 hrs/week × 52 weeks = 1,950 hours
£16 × 1,950 = £31,200/year
No paid overtime; 28 days holiday.
40 hrs/week × 52 weeks = 2,080 hours
£30,000 ÷ 2,080 = £14.42/hour
Paid overtime at time-and-a-half; 28 days holiday.
Offer A looks smaller but pays £1.58 more per hour. Offer B only wins if you regularly work paid overtime. Always convert to a common unit — hourly rate — before deciding. Watch out for unpaid overtime expectations too: an extra 5 unpaid hours a week on Offer B would drag its real hourly rate down to £12.82, barely above minimum wage.
The calculator works the same whatever your pattern — but a few things are worth knowing:
If the calculator's take-home figure does not match your payslip, one of these is almost always the reason:
A small difference (a few pounds a month) is normal. A large one is worth querying with your payroll department.
£15 an hour is £29,250 a year gross on a 37.5-hour week (£15 × 37.5 × 52). After Income Tax and National Insurance, take-home is roughly £24,580 a year (£2,048 a month) in 2026/27 on a standard tax code.
Yes — it is a reasonable wage. It is about £2.30 above the National Living Wage (£12.71) and close to median hourly pay nationally. Whether it feels comfortable depends on where you live: it stretches further outside London and the South East than inside it.
Divide your annual salary by your total working hours for the year: annual salary ÷ (hours per week × 52). For example, £35,000 ÷ (37.5 × 52) = £17.95 an hour. If you take unpaid leave, use your actual paid weeks instead of 52.
£20 an hour is £39,000 a year gross (37.5-hour week). After 20% Income Tax and 8% National Insurance on earnings above £12,570, take-home is roughly £31,600 a year — about £2,633 a month — before pension or student loan deductions.
£25 an hour is £48,750 a year gross on a 37.5-hour week. Take-home is roughly £38,620 a year (£3,218 a month) in 2026/27 — all of it taxed at the 20% basic rate, since £48,750 sits just below the £50,270 higher-rate threshold.
There is no legal definition, but full-time is usually 35–40 hours a week, with 37.5 the most common. What the law does set is a ceiling: most workers cannot be required to average more than 48 hours a week — see GOV.UK's working time rules.
From April 2026: £12.71 an hour for workers aged 21 and over (the National Living Wage), £10.85 for 18–20 year olds, and £8.00 for under-18s and apprentices. Check GOV.UK for the current rates and exceptions.
Yes. Enter your tax code and the calculator estimates Income Tax and National Insurance using 2026/27 rates, plus pension and student loan if you add them. It is an estimate — your exact pay depends on your payroll — but it uses the same thresholds HMRC applies.
Because tax and National Insurance are taken before you are paid. On £29,250 a year, about £3,336 goes to Income Tax and £1,334 to National Insurance. Pension contributions (usually 5%) and student loan repayments (9% above the threshold) reduce it further.
Yes — Scotland has its own Income Tax bands which differ from England, Wales and Northern Ireland. The calculator above uses England/Wales/NI bands; if you pay Scottish Income Tax, your take-home will differ slightly. The GOV.UK Scottish Income Tax page has the current bands.
Graduates repay 9% of earnings above the repayment threshold (postgraduates 6% on a separate threshold). It is taken automatically through payroll, like tax — on a typical £29,250 salary a Plan 2 graduate repays roughly £70–£120 a year, only a few pence per hour worked.
Tax rates, thresholds and the minimum wage are reviewed every year and usually change each April. This page uses 2026/27 figures. When new rates are announced (normally in the Autumn Budget), the calculator and tables are updated — and you can always verify the latest on GOV.UK.
Knowing your hourly wage is useful; knowing what it is worth after tax is what actually helps you budget, compare job offers and negotiate pay. A £1-an-hour rise on a 37.5-hour week is worth £1,950 a year before tax — but only about £1,320 of that reaches you after tax and NI, so always look at the take-home figure, not just the headline rate.
It also pays to think in hourly terms even when you are salaried. Two jobs offering £30,000 can be worth very different amounts per hour once you account for contracted hours, unpaid overtime expectations and holiday allowance. Converting every offer to an hourly rate — which takes less than a minute with the calculator above — is the simplest way to compare like with like and make sure you are not leaving money on the table.
And remember that the legal minimum rises most Aprils: what was a fair offer last year may already be below the going rate today. Check your rate against the current minimum wage on GOV.UK whenever you change jobs or negotiate a rise.
Enter your rate in the calculator above, and if you want to dig deeper, try the Salary to Hourly Calculator for converting job offers, or the Annual Salary Calculator for the full breakdown including overtime and bonuses.
Figures use 2026/27 UK tax rates and thresholds. This is an estimate for guidance, not financial advice. Official rates change — verify the latest on GOV.UK.
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