💷 Hourly Wage Tax Calculator UK 2026

Multiply your hourly wage by weekly hours and 52 weeks to get annual gross salary. Then deduct income tax (20%-45%), National Insurance (8%-2%), student loan repayments if applicable, and pension contributions. For example, £15/hour at 37.5 hours/week equals £29,250 gross, with take-home around £23,800 annually after basic rate tax and NI.

This calculator does all calculations automatically using official 2026/27 HMRC rates and shows your take-home in annual, monthly, weekly, daily, and hourly formats.

Yes, this calculator includes overtime calculations. Enter your overtime hours per week and the multiplier rate (1.5 for time-and-a-half, 2.0 for double time). The calculator will add overtime earnings to your base pay and calculate tax on the total income accurately.

Remember that overtime is fully taxable and can push you into higher tax brackets, so your net overtime pay will be less than the gross multiplier suggests.

National Insurance is 8% on earnings between £242-£967 per week (£12,570-£50,270 annually) and 2% on earnings above £967 per week. The calculator converts your hourly wage to annual income and applies the correct NI rates based on 2026/27 thresholds.

For example, £15/hour at 40 hours/week (£31,200 annually) pays 8% on £18,630 (£1,490.40) plus 2% on £12,340 (£246.80) = £1,737.20 total NI annually.

The UK National Living Wage (21+) is £11.44 per hour from April 2025. For 18-20 year olds it's £8.60, for under-18s £6.40, and apprentices £6.40. This calculator checks if your hourly wage meets legal minimum wage requirements and alerts you if it's below the threshold for your age.

Employers must pay at least the minimum wage - if you're being paid less, contact ACAS on 0300 123 1100 or use our minimum wage calculator for compliance checking.

Multiply your hourly rate by hours worked per week, then multiply by 52 weeks. For example: £15/hour × 37.5 hours × 52 weeks = £29,250 annual gross salary. This calculator does this automatically and shows your take-home pay after all deductions.

If you work part-year or have unpaid leave, adjust the "weeks per year" field. For contract workers, you might work 48 weeks (4 weeks unpaid leave) instead of 52.

Yes, the calculator includes Scottish tax rates which differ from rest of UK. Scotland has 6 income tax bands (19%-48%) compared to England's 3 bands (20%-45%). Simply tick the Scottish taxpayer box for accurate calculations using Scottish rates.

Scottish taxpayers earning £25,000-£43,662 typically pay slightly more tax due to the 21% intermediate rate band. Above £125,140, the Scottish top rate is 48% versus England's 45%.

Yes, enter your hourly rate and actual hours worked per week (e.g., 20 hours for part-time). The calculator works for any hours from 1-168 per week and accurately calculates tax, NI, and student loan repayments based on your total annual earnings.

Part-time workers often pay lower effective tax rates because total earnings stay within lower tax bands. Someone working 20 hours at £15/hour (£15,600 annually) pays just 5.4% tax and NI combined.

This calculator uses official HMRC 2026/27 tax rates, NI thresholds, and student loan repayment rates. Calculations are accurate for standard PAYE employees. Results are estimates for guidance - your actual pay may vary based on your specific tax code, benefits, or other circumstances.

The calculator includes all major deductions: income tax, National Insurance, student loans (all 5 plans), pension contributions, and common salary sacrifice schemes. For self-employed calculations, use our self-employed tax calculator.