The National Living Wage is £12.71 an hour for workers aged 21 and over. At 37.5 hours a week that is £24,784.50 a year, or £21,364.44 after tax.
Reference notes for the UK tax year 2026/27, computed from HMRC's published rates rather than copied from another site.
| Age | Rate an hour |
|---|---|
| 21 and over | £12.71 |
| 18 to 20 | £10.85 |
| Under 18 and apprentices | £8.00 |
Salaried workers can still be underpaid. If your annual salary divided by the hours you actually work falls below the rate for your age, your employer is in breach regardless of what the contract says.
Unpaid time counts: mandatory training, security checks, and time spent travelling between appointments all form part of working time.
Accommodation offset, salary sacrifice and deductions for uniform can all pull effective pay below the minimum. Sacrifice cannot legally take you below it.
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Full deduction breakdowns, computed on 2026/27 rates:
| Salary | Take-home a year | Take-home a month |
|---|---|---|
| £25,000 after tax | £21,519.60 | £1,793.30 |
| £35,000 after tax | £28,719.60 | £2,393.30 |
| £45,000 after tax | £35,919.60 | £2,993.30 |
| £60,000 after tax | £45,357.40 | £3,779.78 |
- Hourly wage calculator — convert the rate to an annual salary
- Payslip checker — check the hours and deductions on your payslip
- Salary percentile calculator — see where the rate sits nationally
- UK tax rates and thresholds 2026/27 — every band and threshold on one page
- Take-home pay statistics — effective and marginal rates from £20,000 to £200,000, free to cite
- How the calculator works — the order of calculation and the source for every rate
- rates.json — the same figures as machine-readable JSON, no key required
- UK Income Tax Calculator
- National Insurance Calculator UK
- Hourly Wage Calculator UK
- Pro Rata Salary Calculator UK
Full index: UK Tax & Take-Home Pay Guide — twelve guides, twelve worked salary examples and a reference table covering the whole UK system.
Figures are for the 2026/27 tax year, which runs 6 April 2026 to 5 April 2027, and were checked against gov.uk on 28 August 2026.
Rates change every April, and often at a Budget. Check the tax year a figure belongs to before relying on it.
Found a wrong number? Open an issue with the figure and a gov.uk link. Tax errors are worth fixing quickly.
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