Your Pay Details
Take-home estimate is for England/Wales (standard 1257L tax code). Scotland uses different income tax bands — use the HMRC calculator for Scottish rates.
Enter your hourly rate and working hours to instantly see your annual, monthly, weekly and daily pay — plus an estimated take-home for 2026/27.
Take-home estimate is for England/Wales (standard 1257L tax code). Scotland uses different income tax bands — use the HMRC calculator for Scottish rates.
The table below shows what each 2026/27 National Minimum Wage rate translates to in annual salary terms, across the most common working week lengths.
| Age Band / Rate | Hourly Rate | 37.5 hrs/wk | 40 hrs/wk | 45 hrs/wk |
|---|---|---|---|---|
| NLW (21+) — £12.21 | £12.21 | £23,830.50 | £25,396.80 | £28,571.40 |
| Age 18–20 — £10.00 | £10.00 | £21,202.50 | £22,609.60 | £25,435.80 |
| Under 18 / Apprentice — £7.55 | £7.55 | £14,722.50 | £15,704.00 | £17,667.00 |
All annual figures assume 52 working weeks per year. Source: GOV.UK — National Minimum Wage rates
To convert an hourly rate to an annual salary, multiply the hourly rate by the number of hours you work each week, then multiply by the number of weeks you work each year. The formula is: Annual salary = hourly rate × hours per week × weeks per year. For example, someone earning the 2026/27 National Living Wage of £12.21/hr, working 40 hours a week for 52 weeks, would earn £12.21 × 40 × 52 = £25,396.80 per year before tax. Most full-time employment contracts are based on 37.5 or 40 hours per week and 52 weeks per year, though if you work fewer weeks due to unpaid leave or seasonal work, you should adjust the weeks figure accordingly. The monthly figure is simply the annual salary divided by 12, and the daily figure is typically calculated on an 8-hour working day (hourly rate × 8).
Age 25+ • 40 hrs/week
Age 19 • 24 hrs/week
Age 30 • 37.5 hrs/week
The National Living Wage of £12.21/hr gives a full-time worker (40 hrs/week) an annual salary of £25,397 — but after tax and NI, take-home is only around £21,800. That means roughly 14% of your gross pay goes to tax and National Insurance at the NLW level.