Question 1

What is minimum wage after tax per month in 2026?

Accepted Answer

The National Living Wage (NLW) is £15.71/hour from April 2026 for workers aged 21 and over. At 40 hours per week (52 weeks) that is £32,674/year gross. After income tax (£4,021) and National Insurance (£1,609), take-home is approximately £21,478/year — £1,790/month or £413/week. At 37.5 hours per week the annual gross is £30,632 and take-home is £20,234/year (£1,686/month).

Question 2

How do I convert an hourly rate to an annual salary?

Accepted Answer

Multiply your hourly rate by the number of hours worked per week, then by 52 (weeks in a year). For example: £20/hour × 37.5 hours × 52 = £39,000/year gross. To find take-home, subtract income tax and National Insurance using 2026-27 HMRC rates: 20% tax on earnings above £12,570 to £50,270, and 8% NI on earnings above £12,570 to £50,270.

Question 3

What is £20 an hour as an annual salary after tax in 2026?

Accepted Answer

£20/hour at 37.5 hours per week equals £39,000/year gross. After income tax (£5,286) and National Insurance (£2,114), take-home is approximately £31,600/year — £2,633/month. At 40 hours per week, gross is £41,600 and take-home is approximately £33,356/year (£2,780/month).

Question 4

How is hourly take-home pay calculated for 2026-27?

Accepted Answer

Annual gross = hourly rate × hours per week × 52. Income tax = 20% on (gross − £12,570) up to £50,270, plus 40% above £50,270 (up to £125,140). Employee NI = 8% on (gross − £12,570) up to £50,270, plus 2% above. Student loan and pension reduce net pay further if applicable. Take-home = gross − income tax − NI − student loan − pension.

Question 5

What is the minimum wage in the UK in 2026?

Accepted Answer

From April 2026, the National Living Wage (NLW) for workers aged 21+ is £15.71/hour. The National Minimum Wage for 18–20 year olds is £12.98/hour, and for under-18s (not in apprenticeships) is £10.18/hour. Apprentice rate is £7.55/hour. These rates are set by the Low Pay Commission and confirmed by HMRC.

Hourly rate	Annual gross	Take-home/year	Take-home/month
£12.98 (18–20 NMW)	£25,311	£20,693	£1,724
£15.71 (NLW 21+)	£30,632	£24,938	£2,078
£17.00	£33,150	£26,847	£2,237
£20.00	£39,000	£31,600	£2,633
£25.00	£48,750	£37,970	£3,164
£30.00	£58,500	£42,890	£3,574

Hourly Rate Calculator 2026-27 — Convert to Annual Take-Home

Common hourly rates — annual take-home 2026-27 (37.5 hrs/week)

2026-27 rates used in this calculator

Hourly Rate
Take-Home Calculator

Your Hours

Annual Deductions