S
SalarySorted

Your details

£/hr

= £26,437 per year

40h
1h40h standard80h
0%
0%30%

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

Your breakdown

Annual gross

£26,437

Annual take-home

£22,554

Monthly take-home

£1,880

Weekly take-home

£434

Effective rate14.7%
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
£26,437
Income TaxBasic rate
-£2,773
National Insurance
-£1,109
Take-home pay
£22,554

In plain English

At £12.71 per hour for 40 hours over 52 weeks, your gross annual salary is £26,437 in England and Wales. You are in the Basic rate band, paying £2,773 in income tax and £1,109 in National Insurance. Your take-home is £22,554 per year — £1,880 per month or £434 per week. Your effective deduction rate is 14.7%. An extra £1 per hour (£2,080 more per year) would add approximately £582 to your take-home.

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What if...

£12.71 an hour after tax -- 2026/27 breakdown

Hourly rate

£12.71

Annual take-home

£22,554

Monthly take-home

£1,880

Weekly take-home

£434

Deductions at a glance

Gross annual£26,436.8
Income Tax (20%)-£2,773
National Insurance (8%)-£1,109
Take-home pay£22,554

£12.71 an hour is the National Living Wage for workers aged 21 and over from April 2026. It is the statutory minimum wage floor for most adults in the UK. Jobs at this rate span retail, hospitality, care work, warehousing and many entry-level roles across almost every sector. Workers aged 18 to 20 are entitled to a lower National Minimum Wage rate of £10.00 per hour.

Working 40 hours a week for 52 weeks a year at £12.71 an hour, your take-home pay after income tax and National Insurance is £22,554 per year -- that is £1,880 per month or £434 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 £12.71 an hour after tax per month?

At £12.71 an hour working 40 hours a week and 52 weeks a year, your monthly take-home pay in 2026/27 is £1,880. Your annual take-home is £22,554 and your weekly take-home is £434. 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 £12.71 an hour?

On a gross annual salary of £26,436.8 (£12.71 for 40 hours over 52 weeks), you pay no income tax on the first £12,570 (your personal allowance). The remaining £13,867 is taxed at the basic rate of 20%, giving an income tax bill of £2,773 per year.

How much National Insurance do I pay on £12.71 an hour?

National Insurance is charged at 8% on earnings between £12,570 and £50,270. On a gross annual salary of £26,436.8, you pay 8% of £13,867, coming to £1,109 per year. There are no NI contributions on income below £12,570.

Is £12.71 the current National Living Wage?

Yes. From April 2026, the National Living Wage for workers aged 21 and over is £12.71 per hour. This is a legal minimum -- employers cannot pay less to qualifying workers. The National Minimum Wage for workers aged 18 to 20 is £10.00 per hour and for 16 to 17-year-olds is £7.55 per hour.

How can I increase my take-home pay on £12.71 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.