S
SalarySorted

Your details

£/hr

= £20,800 per year

40h
1h40h standard80h
0%
0%30%

For public sector workers (NHS, teachers, civil servants) making additional pension contributions on top of your workplace pension.

The standard code for most UK employees. You receive the full £12,570 personal allowance tax-free.

Only relevant if you or your partner earns over £60,000 and claims Child Benefit

Your breakdown

Annual gross

£20,800

Annual take-home

£18,496

Monthly take-home

£1,541

Weekly take-home

£356

Effective rate11.1%
Marginal rate28%
Tax bandBasic rate
Take-homeIncome TaxNI

Based on your inputs. Actual pay may vary depending on your holiday entitlement, contract terms and employer. For guidance only.

Gross salary
£20,800
Income TaxBasic rate
-£1,646
National Insurance
-£658
Take-home pay
£18,496

In plain English

At £10.00 per hour for 40 hours over 52 weeks, your gross annual salary is £20,800 in England and Wales. You are in the Basic rate band (20% income tax). After paying £1,646 in income tax and £658 in National Insurance, you take home £18,496 per year — £1,541 per month or £356 per week. Your effective deduction rate is 11.1%. Every extra pound you earn above this is taxed at 28p in the pound.

See what is left after bills

Try the Budget Calculator

What if...

£10 an hour after tax -- 2026/27 breakdown

Hourly rate

£10

Annual take-home

£18,496

Monthly take-home

£1,541

Weekly take-home

£356

Deductions at a glance

Gross annual£20,800
Income Tax (20%)-£1,646
National Insurance (8%)-£658
Take-home pay£18,496

£10 an hour is close to the National Minimum Wage rate for workers aged 18 to 20, which from April 2026 is £10.00 per hour. It is common in part-time roles, Saturday jobs and some junior hospitality or retail positions. Workers aged 21 and over are entitled to the National Living Wage of £12.71 per hour, so if you are an adult being paid at this rate you should check whether you qualify for the higher rate.

Working 40 hours a week for 52 weeks a year at £10 an hour, your take-home pay after income tax and National Insurance is £18,496 per year -- that is £1,541 per month or £356 per week. All taxable income falls within the basic rate band, so every pound of taxable earnings above your personal allowance is taxed at 20%. Based on 40 hours per week, 52 weeks per year. Use our hourly pay calculator to adjust for your hours.

Even at this hourly rate, auto-enrolment pension contributions are worth taking seriously. If your employer offers salary sacrifice, contributions come out before tax and National Insurance are calculated, so the real cost to your take-home is lower than the headline figure suggests. Starting early and increasing contributions whenever you receive a pay rise can make a significant difference over a working lifetime.

Frequently asked questions

How much is £10 an hour after tax per month?

At £10 an hour working 40 hours a week and 52 weeks a year, your monthly take-home pay in 2026/27 is £1,541. Your annual take-home is £18,496 and your weekly take-home is £356. These figures are for England and Wales using the standard 1257L tax code with no pension contributions or student loan.

How much income tax do I pay on £10 an hour?

On a gross annual salary of £20,800 (£10 for 40 hours over 52 weeks), you pay no income tax on the first £12,570 (your personal allowance). The remaining £8,230 is taxed at the basic rate of 20%, giving an income tax bill of £1,646 per year.

How much National Insurance do I pay on £10 an hour?

National Insurance is charged at 8% on earnings between £12,570 and £50,270. On a gross annual salary of £20,800, you pay 8% of £8,230, coming to £658 per year. There are no NI contributions on income below £12,570.

How does £10 an hour compare to the minimum wage?

The National Living Wage from April 2026 is £12.71 per hour for workers aged 21 and over. At £10 an hour you are below the NLW. The National Minimum Wage for 18 to 20-year-olds is £10.00 per hour. On an annual basis, £10 equates to £20,800 before tax.

How can I increase my take-home pay on £10 an hour?

Check your tax code on your payslip -- the standard code for most employees is 1257L. If yours is different, contact HMRC to confirm it is correct, as an error could mean you are overpaying tax. If your employer offers a salary sacrifice pension scheme, contributions reduce your taxable income before income tax and National Insurance are calculated, increasing the value of each pound saved.