Check an hourly rate against the National Living Wage and the minimum wage for your age, and see the take-home pay it gives you.
Deductions for uniform or toolsMoney taken for uniform or tools lowers the rate you are really paid; unpaid working time counts as hours worked. Leave accommodation out — it has an allowance of its own and this page does not work it out.
£12.71 an hour · £476.63 a week for 52 weeks · £24,784.76 a year2026/27 · England
Your next £100 of pay: you keep £72. £28 of it goes in tax and National Insurance.
Your pay works out at £12.71 an hour, exactly the minimum for your age band. £12.71 an hour is the legal minimum for workers aged 21 and over — the National Living Wage. Money taken back for uniform or tools counts against your rate, and unpaid working time counts as hours worked — though time spent travelling between home and work does not (regulation 34 of the National Minimum Wage Regulations 2015), and nor do the hours of a shift you are permitted to sleep through, beyond the hours you are awake in order to work (regulation 32(2), and Royal Mencap Society v Tomlinson-Blake [2021] UKSC 8). A charge for accommodation is different again, and this page does not work it out: it is set against an allowance of its own rather than counting in full, so putting it in the box above would say you are underpaid when you may not be.
National Insurance here is charged one week at a time, on each of the 52 weeks you are paid, against that week’s own limits — which is what a weekly payroll does, and it is never reconciled over the year. Paid monthly on the same hourly rate you would meet twelve thresholds instead of 52, and the year’s National Insurance would come to £976.68 rather than £976.04.
Every age band
The minimum for each band at 37.5 paid hours a week
Age band
Minimum rate
You are above or below by
Gross a year
Take-home a month
21 and overNLW
£12.71
£0.00
£24,785
£1,780.49
18 to 20
£10.85
+£1.86
£21,158
£1,562.87
Under 18
£8.00
+£4.71
£15,600
£1,229.39
Apprentice
£8.00
+£4.71
£15,600
£1,229.39
Minimum wage
National Minimum Wage from 1 April 2026
21 and over£12.71National Living Wage
18 to 20£10.85
Under 18£8.00
Apprentice£8.00Under 19 or first year
Rules v2026.18 · checked against GOV.UK on 18 September 2026Two independent checks on every rate · 393 of 418 hand-verified cases, all passing, beside 43,041 generated · How we calculate · Changelog
Payroll-grade
That is not an amount the calculator can read. Use digits and at most two decimal places — pence are the smallest amount of money there is — and group the thousands in threes or not at all.Enter an amount between £0 and £10,000,000.That is not a number the calculator can read. Use digits and at most two decimal places, and put nothing else in the box.Enter a number between 1 and 168.That is not a number the calculator can read. Use digits and at most two decimal places, and put nothing else in the box.Enter a number between 1 and 53.That is not an amount the calculator can read. Use digits and at most two decimal places — pence are the smallest amount of money there is — and group the thousands in threes or not at all.Enter an amount between £0 and £168,000.That is not a number the calculator can read. Use digits and at most two decimal places, and put nothing else in the box.Enter a number between 0 and 168.Weeks have to be a whole number. Pay is worked out one week at a time — National Insurance is charged on each week’s own pay against that week’s own threshold — so half a week is not something a payroll ever pays. Round to the nearest whole week.A tax year with 53 paid weeks in it is worked out differently, and which way depends on your tax code: on most codes the 53rd pay day is taxed on its own rather than on your pay for the year so far, and on a basic rate code it is not. This page cannot answer either. Enter 52 or fewer.Enter the rate you are actually paid an hour. The minimum wage compares the pay for a week against the hours worked in it, so a rate of nothing gives no rate to compare — and a week you were paid nothing for is a question about whether you have been paid at all rather than a question about the rate. If that is what happened, look up unpaid wages on GOV.UK.That is the whole of the week’s pay or more, so there is no hourly rate to check. The minimum wage compares what you are paid for a week against the hours you worked in it, and a week whose deductions swallow the whole wage is a question about whether those deductions are lawful at all rather than a question about the rate. Check the figure you typed, or look up deductions from pay on GOV.UK.
MyNetIncome gives estimates, not tax or financial advice. Figures follow HMRC and Scottish Government rules for 2026/27; your payslip can differ because of your tax code, pay dates, benefits in kind or pension scheme. Not affiliated with or endorsed by HMRC. Contains public sector information licensed under the Open Government Licence v3.0.