Wage Calculator
Estimate your UK gross pay, Income Tax, National Insurance and take-home wage based on your hourly rate, hours and overtime.
📅 Tax Year 2026/27 🇬🇧 England · Wales · NI · Scotland📊 Your Pay Details
💰 Estimated Wage Summary
UK Wage Calculator
Our Wage Calculator helps UK employees, workers and employers estimate gross and take-home pay based on hourly rates, regular hours, overtime and UK tax rules for 2026/27. Whether you are a part-time worker, full-time employee or hourly-paid contractor, this tool gives you a clear breakdown of your estimated earnings after Income Tax, National Insurance and other deductions.
How to Use the Wage Calculator
Enter your hourly wage, your usual hours per week and the number of weeks worked per year. Add any overtime hours and the overtime multiplier. Select your pay frequency (weekly, biweekly, monthly or annual) and your tax region (England, Wales, Northern Ireland or Scotland). Optionally, include pension contributions, student loan repayments or other annual deductions. Click Calculate Wage to see a full breakdown.
How UK Wages Are Calculated
Your gross annual wage is the sum of your regular annual wage and overtime annual wage. The regular annual wage is your hourly rate × hours per week × weeks worked per year. Overtime annual wage is your hourly rate × overtime multiplier × overtime hours per week × weeks worked. From the gross annual wage, we subtract estimated Income Tax, employee National Insurance, pension contributions, student loan repayments and other deductions to arrive at your net take-home pay.
Hourly Wage to Annual Wage
If you earn £15.50 per hour and work 37.5 hours per week for 52 weeks, your regular annual wage is £15.50 × 37.5 × 52 = £30,225. Add overtime at 1.5× for 5 hours per week: £15.50 × 1.5 × 5 × 52 = £6,045. Total gross annual wage = £36,270.
How Income Tax Affects Your Wage
Income Tax is calculated using the Personal Allowance and tax bands for your region. For 2026/27 in England, Wales and Northern Ireland, the standard Personal Allowance is £12,570 (tapered above £100,000). Basic rate 20% on income up to £37,700, higher rate 40% up to £125,140, additional rate 45% above £125,140. Scotland has separate bands (starter, basic, intermediate, higher, top). The calculator applies the correct bands based on your selection.
How National Insurance Affects Your Pay
Employee Class 1 National Insurance for 2026/27 is 0% below the Primary Threshold (£242/week), 8% between the Primary Threshold and Upper Earnings Limit (£967/week), and 2% above the Upper Earnings Limit. This is deducted from your gross wage before take-home pay. Employer NI is not deducted from your pay.
Gross Wage vs Net Wage
Gross wage is your total pay before any deductions. Net wage (take-home pay) is the amount you receive after Income Tax, National Insurance, pension, student loan and other deductions. Understanding the difference helps with budgeting and comparing job offers.
Overtime and Wage Calculations
Overtime can significantly boost your earnings. Our calculator lets you add overtime hours and a custom multiplier (e.g., 1.5× for time-and-a-half, 2× for double time). Overtime is added to your regular wage and taxed at the same marginal rate.
Weekly, Monthly and Annual Wage Conversion
Your gross annual wage is divided by 52 for weekly, by 26 for biweekly, or by 12 for monthly. These figures help you understand your pay in different timeframes.
Wage Calculator Example
Example: Hourly rate £15.50, 37.5 hours/week, 52 weeks/year, 5 overtime hours/week at 1.5×. Gross annual = £36,270. Income Tax (England, no pension) = £4,740. NI = £2,429. Net annual = £29,101. Monthly net ≈ £2,425.
UK Wage Calculation by Region
Tax bands vary across the UK. Select your region to see accurate estimates. Scotland uses different thresholds and rates. Wales and Northern Ireland follow England's bands.
Frequently Asked Questions
What is a wage calculator?
A wage calculator estimates your gross and net pay based on your hourly rate, hours, overtime and UK tax rules.
How do I calculate my annual wage from an hourly rate?
Multiply your hourly rate by hours per week and weeks per year. Add overtime if applicable.
How do I calculate weekly wages?
Divide your gross annual wage by 52.
How do I calculate monthly wages?
Divide your gross annual wage by 12.
What is the difference between gross wage and net wage?
Gross wage is before deductions; net wage (take-home) is after tax, NI, pension and other deductions.
Does a wage calculator include Income Tax?
Yes, our UK Wage Calculator estimates Income Tax based on your region and annual earnings.
Does a wage calculator include National Insurance?
Yes, employee Class 1 National Insurance is estimated using 2026/27 rates.
How does overtime affect my wage?
Overtime increases your gross pay and may push you into a higher tax band, reducing the net benefit.
Can I use this calculator if I am paid hourly?
Yes, it is designed specifically for hourly-paid workers and wage earners.
Is this an official HMRC calculator?
No, it is an estimate only. Always verify with HMRC or a tax professional.
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External references: HMRC Income Tax rates · HMRC National Insurance rates · MoneyHelper Salary Calculator