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Useful next calculations
Rates & sources2026/27
Converts hourly pay to annual take-home using 2026/27 income tax (including the additional rate) and Category A employee NI.
Source: HMRC — 2026/27 employer rates and thresholds — source checked for 2026/27.
When to use this calculator
- Before accepting a pay change, bonus, pension contribution or salary-sacrifice option.
- When you want a simple take-home estimate before payroll or filing.
- When you are approaching the £100,000 income level and want to see the personal allowance taper.
- When you need to convert between hourly, monthly and annual pay.
A realistic UK planning example
Use these sample inputs as a quick scenario test, then change one variable at a time to compare outcomes.
| Input | Value |
|---|---|
| Hourly Rate (£) | 5% |
| Hours Per Week | 40 hours |
| Tax Code | 1257L (Standard) |
After entering these figures, review hourly take-home, weekly take-home and annual take-home together rather than in isolation. Then rerun the tool with one input adjusted.
How to read your results
Hourly Take-Home
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Weekly Take-Home
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Annual Take-Home
The figure produced by this output for the inputs you entered. Change one variable at a time if you want to see what drives it.
Method & assumptionsAuthoritative sources
This calculator converts a gross hourly rate into weekly and annual take-home pay after UK income tax and employee National Insurance contributions using 2026/27 rates. Income tax is applied under the selected tax code: 1257L applies the standard personal allowance of £12,570 before taxing the remainder at 20% up to the higher-rate threshold (£50,270) and 40% above. The BR code taxes all income at 20% with no personal allowance. The 0T code has no personal allowance and uses the full band structure. National Insurance is calculated at 8% on earnings between £12,570 and £50,270 per year, and 2% above that limit. The calculator does not include student loan repayments, pension contributions, or salary sacrifice arrangements — all of which would further reduce (or in the case of pensions, beneficially redirect) the net amount received.
Common mistakes
- !Entering gross income when you really want take-home pay, or vice versa.
- !Ignoring pension contributions, deductions or local tax rules that change the result.
- !Comparing monthly and annual figures without standardising them first.
- !Overlooking National Insurance or student-loan plan differences that apply to you.
What to do next
- Check the same scenario with related pay or deduction calculators.
- Keep a copy of the assumptions so you can compare the next tax year or pay period.
- If you are self-employed, compare this result with the self-employment tax calculator.
- Check whether a small pension contribution change moves take-home pay more than you expect.
Frequently asked
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