2026/27 tax year · hourly pay

£12.21 an Hour is How Much a Year After Tax?

At 37.5 hours a week, £12.21 an hour is £23,810 a year before tax — about £20,662 take-home after income tax and National Insurance.

£12.21 an hour — annual, monthly and weekly

Hours per week	Gross annual	Annual take-home	Monthly take-home
16 hours	£10,159	£10,159	£847
20 hours	£12,698	£12,662	£1,055
25 hours	£15,873	£14,948	£1,246
30 hours	£19,048	£17,234	£1,436
37.5 hours	£23,810	£20,662	£1,722
40 hours	£25,397	£21,805	£1,817

These figures assume 52 paid weeks, a 1257L tax code and no pension or student loan.

Scenario	Gross annual	Annual take-home	Monthly
37.5 hours, England	£23,810	£20,662	£1,722
37.5 hours, Scotland	£23,810	£20,702	£1,725
40 hours, England	£25,397	£21,805	£1,817

Pension: 5% of £23,810 is £1,190 a year — a net-pay pension reduces taxable pay and changes take-home.
Student loan: Plan 2 repayments start above £29,385; on £23,810 that is £0 a year if you are on Plan 2.
Minimum wage: compare your rate with the 2026/27 National Living Wage in the minimum wage calculator.
Exact hours: use the hourly to salary calculator for different hours and weeks.

£12.21 an hour is how much a year?

At 37.5 hours a week and 52 weeks a year, £12.21 an hour is £23,810 a year gross. At 40 hours a week it is £25,397.

£12.21 an hour after tax — what is the take-home?

On a standard 1257L code with no pension or student loan, £23,810 gross leaves about £20,662 a year (£1,722 a month) at 37.5 hours a week.

£12.21 an hour at 40 hours a week after tax?

At 40 hours a week the gross salary is £25,397, leaving about £21,805 a year (£1,817 a month) after income tax and National Insurance.

Is £12.21 an hour above the minimum wage?

£12.21 is below the 2026/27 National Living Wage of £12.71 for workers aged 21 and over. Check your age band in the minimum wage calculator.