UK Hourly Pay Calculator (2025/26)
Easily convert your hourly rate into weekly, monthly, and annual earnings, seeing exactly how much you take home after tax and National Insurance deductions for the 2025/26 UK tax year.
Whether you're paid hourly, working part-time, freelancing, or just want to compare job offers, understanding your true earnings is crucial. This calculator breaks down your gross pay, identifies your tax and NI contributions, and reveals your net take-home pay – essential for budgeting and financial planning.
Calculate Your Hourly Wage After Tax
Enter your hourly rate and the average number of hours you work per week (default is 37.5, a common UK full-time standard). The results will show your estimated earnings breakdown based on 2025/26 tax rates.
Your Estimated Earnings Breakdown
The table below shows your estimated gross pay, deductions, and net take-home pay across different time periods based on the details you entered. Figures use standard 2025/26 UK tax and NI thresholds.
| Category | Yearly (£) | Monthly (£) | Weekly (£) | Daily (£) (approx) | Hourly (£) |
|---|---|---|---|---|---|
| Enter your details above and click Calculate to see your results. | |||||
Note: Daily figures assume a 5-day working week (Annual / 260). These are estimates and do not account for pensions, student loans, specific tax codes, or benefits unless explicitly added. Calculations based on standard 2025/26 rates.
How the Calculation Works
Understanding how your hourly wage translates to take-home pay involves a few key steps:
- Gross Annual Salary: Calculated as
Hourly Rate × Weekly Hours × 52. - Taxable Income: Your Personal Allowance (£12,570 for 2025/26) is subtracted from your gross salary.
- Income Tax: Calculated on taxable income using UK tax bands (20%, 40%, 45% - Scotland differs).
- National Insurance (NI): Calculated using NI categories and thresholds (e.g., 8% on earnings between £12,570 and £50,270 for employed Class 1 in 2025/26 - **Verify rates**).
- Take-Home Pay: Gross Salary minus Income Tax and NI.
Crucially, factors like your specific tax code, pension contributions (especially salary sacrifice), student loan repayments (Plan 1, 2, 4, 5, PGL), and benefits in kind will adjust these figures. This calculator provides a baseline estimate using standard assumptions.
For detailed official guidance, please refer to the HMRC website on Income Tax and National Insurance rates.
Understanding Your Results
The results table provides a snapshot of your finances:
- Gross Income: Your total earnings before any deductions. Useful for comparing headline job offers.
- Taxable Income: The amount used to calculate your income tax liability.
- Income Tax: The estimated tax payable based on standard UK bands.
- National Insurance: Your estimated employee contribution.
- Take-Home Pay (Net Pay): The estimated amount hitting your bank account. Use this for budgeting.
Compare the yearly, monthly, and weekly figures to understand your cash flow. Remember this is an estimate; your actual payslip will show precise deductions based on your specific circumstances.
Frequently Asked Questions (FAQ)
Is this calculator accurate for Scotland?
This calculator currently uses standard UK Income Tax bands. Scotland has different tax bands which will affect your Income Tax amount. We are working on adding specific Scottish tax calculations. For now, please use this as a guide and refer to official Scottish tax resources for precise figures.
Does this include student loan deductions?
No, student loan repayments (Plan 1, 2, 4, 5, or Postgraduate Loan) are not included in this basic calculation. Deductions depend on your specific plan and earnings threshold, and would further reduce your take-home pay. We plan to add this feature soon.
How are pension contributions handled?
Pension contributions are not included here. Your contributions, especially via salary sacrifice, receive tax relief and significantly impact net pay. Use our dedicated Pension Salary Sacrifice Calculator to estimate this.
What if my hours or pay rate change?
Simply update the 'Hourly Rate' or 'Average Hours per Week' fields and click 'Calculate Take-Home Pay' again to see the new estimate instantly.
Where do the tax/NI rates come from?
The rates and thresholds used are based on publicly available information from HMRC for the 2025/26 tax year (starting April 6th, 2025). We strive for accuracy but always double-check against official sources for definitive figures.