Hourly to salary

Hourly to Salary Calculator UK 2026/27

Estimated take home

£3,218/mo
Annual gross
£48,750
Taxes / year
£10,130
Take home per paid hour
£19.80
Your year at a glance£48,750 gross, before deductions
79%kept as cash
Take home
£38,620
Income tax
£7,236
National Insurance
£2,894
  • Employee National Insurance is calculated on an annualised basis; irregular payroll can differ.

Your pay at a glance

Full tax & deductions

Where the money goes, per year

Gross pay
£48,750
Income tax
£7,236
National Insurance
£2,894
Take home
£38,620
All pay periods

Every period · typical paid periods and calendar averages

PeriodGrossTake home
Typical paid dayrate × hours ÷ days£188£149
Typical paid weekrate × hours£938£743
Fortnightlyyear ÷ 26£1,875£1,485
Four-week periodyear ÷ 13£3,750£2,971
Monthlycalendar average · year ÷ 12£4,063£3,218
Calendar weekcalendar average · year ÷ 52£938£743
Yearrate × hours × paid weeks£48,750£38,620
Scope & assumptions

Scope & assumptions

  • HMRC rates and thresholds for the 2026/27 tax year.
  • National Insurance is annualised as a planning estimate — actual NI is calculated per pay period and can differ.
  • Pensions and student loans are optional and shown as separate deductions, not tax.
  • Not overtime pay, statutory holiday pay or one-off bonuses — this converts a steady hourly schedule.
Estimates onlyShow

Calculations use HMRC published rates for education and illustration. They are not regulated financial, tax, or legal advice. Verify against your own tax position before filing or making financial decisions.

Background reading

From an hourly rate to a yearly salary in 2026/27

Show

Multiply your hourly rate by your weekly hours and the number of weeks you are paid in the year: rate × hours × paid weeks = annual gross. A £25 rate at 37.5 hours for 52 paid weeks is £48,750 gross. Employees then pay income tax and National Insurance on that salary; sole traders pay tax on profit after expenses. Paid holidays count as paid weeks — only unpaid time off reduces the number.

  • How do I convert an hourly rate to an annual salary?

    Multiply your hourly rate by the hours you work each week, then by the number of weeks you are paid in the year. For example, £25 an hour at 37.5 hours a week for 52 paid weeks is £25 × 37.5 × 52 = £48,750 gross a year. Afterax then applies income tax and National Insurance to show take home pay.

  • Do paid holidays reduce the number of weeks I should enter?

    No. If you are paid for 52 weeks of the year — including holiday weeks — enter 52. Only reduce paid weeks when weeks are genuinely unpaid, such as unpaid leave or gaps between contracts for freelancers. A typical employee on an annual salary is paid for all 52 weeks.

  • Is the monthly figure the same as a four-weekly paycheck?

    No. The monthly figure is a calendar average (annual ÷ 12). A four-weekly pay period is annual ÷ 13 and a fortnight is annual ÷ 26. The monthly average is larger than a four-week paycheck because 13 four-week periods fit into a year.

  • How is take home pay different for a sole trader?

    Sole traders pay income tax and Class 4 National Insurance on profit — billings minus allowable business expenses — rather than on gross pay, usually through Self Assessment. The calculator shows expenses and profit separately from tax, and supports a loss if expenses exceed revenue.

  • Does it include pension and student loan deductions?

    Yes, optionally. Open Tax settings to add an annual pension contribution and choose the scheme type, or pick a student loan plan. They appear as their own deduction lines, separate from income tax and National Insurance.

Privacy, sources & last reviewed27 October 2026 · Show

Privacy and independence

Built and maintained by Afterax as an independent educational UK tax calculator project. Calculations run in your browser using HMRC 2026/27 rates. Inputs can be saved on this device and included in share links.