Hourly to Salary Converter UK

Q: How do I convert hourly rate to annual salary in the UK?

Multiply your hourly rate by the number of hours you work per week, then multiply by the number of weeks you work per year. For example, £20/hour x 37.5 hours x 52 weeks = £39,000 per year. Use our calculator above for an instant conversion including tax and National Insurance deductions.

Q: How many working weeks are there in a UK tax year?

There are 52 weeks in a year. Most full-time UK employees work 47-48 weeks after accounting for 20-28 days of annual leave plus 8 bank holidays. The standard full-time calculation uses 37.5 or 40 hours per week.

Q: What is the UK minimum wage for 2026/27?

The National Living Wage for workers aged 21 and over is expected to be around £12.21 per hour from April 2026. Workers aged 18-20 receive a lower rate, and apprentices have a separate minimum wage rate.

Q: How much tax do I pay on my salary?

UK Income Tax uses a tiered system: 0% on income up to £12,570 (Personal Allowance), 20% on £12,571 to £50,270 (Basic Rate), 40% on £50,271 to £125,140 (Higher Rate), and 45% above £125,140 (Additional Rate). You also pay National Insurance contributions.

Last Updated9 May 2026 · HMRC 2026/27 rates

Convert your hourly rate to annual salary or vice versa. Includes Income Tax, National Insurance, pension and student loan deductions so you see your true take-home pay.

💲 Your Details

Hourly Rate

Your gross hourly rate before any deductions.

Annual Salary

Your gross annual salary before any deductions.

Hours Per Week

Standard UK full-time is 37.5 or 40 hours per week.

Working Weeks Per Year

52 weeks minus holidays and bank holidays. Typical: 46-48 weeks.

Pension Contribution (%)

Your contribution percentage. Employer contributions are separate.

Student Loan Plan

💰 Your Pay Breakdown

Gross Annual

Gross Monthly

Gross Weekly

Hourly Equivalent

Income Tax: --

National Insurance: --

Pension: --

Student Loan: --

Net Take-Home (Annual)

📊 Common Hourly Rates

How the Conversion Works

Converting between hourly rates and annual salary in the UK involves a few straightforward calculations:

Hourly to Annual: Hourly Rate × Hours Per Week × Weeks Per Year
Annual to Hourly: Annual Salary ÷ Hours Per Week ÷ Weeks Per Year
Standard full-time: 37.5 or 40 hours/week, 47-48 weeks/year (after 20-28 days holiday + 8 bank holidays)
Tax and NI are calculated using HMRC's 2026/27 rates and thresholds

Our calculator also accounts for pension contributions (tax-relieved at source) and student loan repayments to show your true take-home pay, not just the gross conversion.

Frequently Asked Questions

How do I convert hourly rate to annual salary in the UK?

Multiply your hourly rate by your weekly hours, then multiply by your working weeks per year. For a standard full-time role: £20/hour x 37.5 hours x 47 weeks = £35,250 gross per year. Remember to account for holiday entitlement — most UK workers get 20-28 days paid leave plus 8 bank holidays, so the working weeks are typically 46-48, not 52.

How many working weeks are there in a UK tax year?

There are 52 calendar weeks in a year. Most full-time UK employees work between 46 and 48 weeks after accounting for annual leave (20-28 days) and 8 bank holidays. If you're self-employed or a contractor, you may work fewer weeks depending on your holiday preferences. Our calculator defaults to 47 weeks as a typical full-time figure.

What is the UK minimum wage for 2026/27?

From April 2026, the National Living Wage for workers aged 21 and over is expected to be approximately £12.21 per hour. Workers aged 18-20 have a lower minimum wage rate, and there are separate rates for apprentices and workers under 18. Check Gov.uk for the latest minimum wage rates.

How much tax do I pay on my salary?

UK Income Tax uses a tiered system for 2026/27: 0% on income up to £12,570 (Personal Allowance), 20% on £12,571 to £50,270 (Basic Rate), 40% on £50,271 to £125,140 (Higher Rate), and 45% above £125,140 (Additional Rate). The Personal Allowance reduces by £1 for every £2 earned above £100,000, reaching zero at £125,140. You also pay National Insurance: 8% on earnings between £12,570 and £50,270, and 2% above.

Is my hourly rate good for my industry?

Hourly rates vary significantly by industry, location and experience. As a rough guide for 2026: entry-level roles £12-16/hour, skilled trades £18-30/hour, professional services £25-60/hour, specialist contractors £40-100+/hour. London rates are typically 15-30% higher than the UK average. Use our calculator to see what your rate means in annual terms, then compare to salary benchmarks for your specific role.

Sources & Methodology

All calculations use HMRC's official 2026/27 tax bands and thresholds. Income Tax calculated with tapered Personal Allowance above £100,000. National Insurance at 8% (Basic Rate) and 2% (Higher Rate). Student loan thresholds as announced for 2026/27. Pension contributions are assumed to be deducted before tax (relief at source). Calculations are for guidance only.

What You Should Do Next

Negotiate your rate with data — Use our converter to translate any salary offer into an hourly rate for easy comparison. A £45k salary at 37.5 hrs/week is only £22.50/hour.
Consider pension auto-enrolment — Employers must contribute at least 3% on qualifying earnings. Maximise your contributions — they're tax-free. Try our Pension Calculator.
Check your tax code — An incorrect tax code could cost you hundreds. Use our Tax Code Checker to verify yours.
Plan for student loan repayments — Factor Plan 1, Plan 2 or Postgraduate deductions into your budget when comparing job offers.