Hourly Wage Calculator, 2026/27
Convert an hourly rate into annual, monthly and weekly gross pay, including regular overtime, then estimate what each working hour is worth after income tax, National Insurance, pension contributions and any student loan repayment.
The hourly wage calculator runs on the rates and thresholds HMRC has published for the 2026/27 tax year, so the figures you see reflect the position your company is actually filing on rather than a historic set of bands. Change any input and the result recalculates immediately, with no sign-up and nothing sent anywhere.
If you are a director of a UK limited company, use it as a first look before a decision rather than as the decision itself. Overtime is assumed to be worked every paid week at the multiplier entered. Real company positions bring in other income, reliefs, group structures and prior year adjustments that a single page of inputs cannot see, which is why the workings are written out below under payroll, paye & employment. Read those, then check the numbers against your own accounts, and speak to us if anything looks materially different from what you expected.
Last reviewed 12 September 2026 for the 2026/27 tax year. Reviewed by Waqas Sagar, Member of ICAEW, Fellow of ACCA, Fellow of AAT.
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Result, 2026/27
Net pay per working hour
Annual gross salary
Includes £4,212 overtimeMonthly gross salary
Weekly gross salary
Income tax and National Insurance
£4,955 tax and £2,139 NIPension and student loan
£1,966 pension and £0 student loanIllustration only, figures are based on the rates you have selected and the information entered. Please check your own position with us before acting.
Estimates for the 2026/27 tax year using published GOV.UK rates. Switch between 2026/27 and 2025/26 above.
How this is calculated
Standard weekly pay is the hourly rate multiplied by normal hours. Overtime pay multiplies overtime hours by the basic rate and overtime multiplier. Those weekly figures are multiplied by paid weeks to give annual gross salary, then divided for monthly and weekly comparisons.
Income tax is calculated on gross salary after the pension amount. Employee National Insurance and the selected student loan repayment are then deducted to estimate annual take-home pay and net pay for every hour worked.
What changes net hourly pay
Two jobs with the same headline hourly rate can produce different take-home pay when one includes unpaid weeks, regular overtime, pension deductions or student loan repayments. Enter the hours you realistically expect to work rather than relying on contracted hours alone.
If overtime changes month to month, use an average week and rerun the calculation with a lower and higher estimate to create a sensible range.
What this means for your company
Treat the result as a planning figure for the 2026/27 tax year. If it changes what you were about to do, take a director's salary, a dividend, a large asset purchase or a filing decision, check it against your own accounts first. We can review the position with you and confirm the tax treatment before you commit.
Frequently asked questions
How do I convert hourly pay to annual salary?
Multiply the hourly rate by weekly hours and paid weeks. Add overtime separately at its enhanced multiplier before calculating tax and deductions.
Does the net hourly figure include overtime hours?
Yes. It divides estimated take-home pay by standard and overtime hours combined, so extra hours cannot make the displayed hourly value look artificially high.
Why does pension reduce my take-home pay?
This illustration treats your pension as an employee contribution. Some salary-sacrifice schemes also reduce tax and National Insurance and may therefore produce a different net result.
Can I use this calculator for Scottish income tax?
Yes. Select Scotland and the calculator applies Scottish bands to employment income while keeping National Insurance and student loan deductions on their UK-wide rules.
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