Paid by the hour? Enter your rate and weekly hours to see the annual salary it adds up to — and, more importantly, what you actually keep after 2026/27 income tax, National Insurance, pension and student loan. Add overtime lines at time-and-a-half or double time to price up extra shifts after tax.
6 min read·Updated 17 July 2026·🇬🇧 UK
Calculator
Hourly Pay
£
Scottish taxpayer
Overtime
Deductions
None
Sacrifice
Net Pay
Relief at Source
%
£/yr
Minimum Wage Check
Under 18
18–20
21+
Annualised earnings & take-home
Where each hour goes
Your result
Enter your hourly rate above to see your personalised result.
How it works
From hourly rate to annual take-home
The conversion itself is simple arithmetic — rate × hours × 52 — but the useful number is what survives deductions. Once your hours are annualised, this page runs the identical PAYE calculation as the take-home pay calculator: 2026/27 personal allowance of £12,570, then 20%/40%/45% bands (or the six Scottish bands), employee National Insurance at 8% and 2%, and student loan on top.
Worked example: £16/hour with 5 hours weekly overtime
Base pay: £16 × 37.5 × 52 = £31,200. Overtime at time-and-a-half: £24 × 5 × 52 = £6,240, for a total gross of £37,440. Income tax is (£37,440 − £12,570) × 20% = £4,974, NI is £1,989.60, so take-home is about £30,476 a year — £2,540 a month. Notice the overtime added £6,240 gross but only around £4,493 net: each 1.5× overtime hour at this wage is really worth about £17.28 in your pocket, not £24.
Common hourly rates at 37.5 hrs/week for 2026/27:
Hourly rate
Annual gross
Approx. take-home / year
/ month
£12.71 (NLW)
£24,785
£21,364
£1,780
£15.00
£29,250
£24,580
£2,048
£18.00
£35,100
£28,792
£2,399
£22.00
£42,900
£34,408
£2,867
£30.00
£58,500
£44,487
£3,707
Working part-time or comparing against a salaried offer? The pro-rata salary calculator handles reduced hours, and compare two salaries puts an hourly-derived package against a fixed salary side by side.
Frequently Asked Questions
How do I convert an hourly rate to an annual salary?
Multiply the hourly rate by your contracted hours per week, then by 52 weeks. £16 an hour at 37.5 hours a week is £16 × 37.5 × 52 = £31,200 gross a year. This calculator then applies 2026/27 income tax, National Insurance and any student loan or pension to show the net figure.
How much is £15 an hour after tax in the UK?
At 37.5 hours a week, £15 an hour is £29,250 a year. For 2026/27 with a 1257L tax code that attracts £3,336 income tax and £1,334.40 employee National Insurance, leaving roughly £24,580 a year — about £2,048 a month before pension or student loan deductions.
How is overtime pay taxed?
Overtime is ordinary income — it is added to your gross pay and taxed at your marginal rate with National Insurance on top. There is no separate overtime tax rate. Enter your regular overtime hours and multiplier (1.5× and 2× lines are provided) to see the true after-tax value of those extra hours.
What is the National Living Wage for 2026/27?
From April 2026 the National Living Wage for workers aged 21 and over is £12.71 an hour. The 18–20 rate is £10.85 and the under-18/apprentice rate is £8.00. The calculator warns you if the hourly rate you enter falls below the legal minimum for your selected age band.
Does working fewer weeks a year change the calculation?
Yes — the annualisation assumes 52 paid weeks. If you work term-time only or take unpaid weeks, your annual gross is lower and proportionally less tax applies. Use the pro-rata salary calculator in this suite to model reduced weeks precisely.
Is this calculator suitable for zero-hours or agency work?
It gives a good estimate if your hours are fairly steady — enter your average weekly hours. Highly variable hours are taxed cumulatively through PAYE across the year, so individual payslips will vary even though the annual total matches this calculation.
Disclaimer: Figures are estimates based on current rates and rules. Tax legislation may change. Verify with GOV.UK or consult a qualified accountant before making financial decisions based on these figures.