Answers · UK 2025/26

What is £12 an hour as an annual salary and take-home pay in the UK?

On a standard 37.5-hour week, £12 an hour works out to a £23,400 annual salary. For 2026/27, that gives take-home pay of £20,367.60 a year after £2,166 Income Tax and £866.40 National Insurance -- about £1,697.30 a month.

Last updated: 3 July 2026Last reviewed: 3 July 2026How we verify

Full answer

Using a standard full-time working week of 37.5 hours, £12 an hour converts to an annual salary of £12 x 37.5 x 52 = £23,400. Note that £12 an hour is below the 2026/27 National Living Wage of £12.71 for workers aged 21 and over, so this rate would only be lawful for workers on the 18-20 Development Rate (£10.85) or in specific circumstances -- anyone aged 21 or over must legally be paid at least £12.71 an hour. On this £23,400 salary for 2026/27: taxable income after the £12,570 Personal Allowance is £10,830, all within the 20% basic rate band, giving £2,166 Income Tax. National Insurance is 8% of £10,830 = £866.40. Combined deductions of £3,032.40 leave £20,367.60 take-home a year, around £1,697.30 a month or £391.68 a week. If you are aged 21 or over and being paid £12 an hour in a role that qualifies for the National Living Wage, your employer may be underpaying you -- HMRC actively investigates minimum wage complaints and can order backdated payments plus penalties.