£12.21 an hour after tax (2026/27)
Tax year 2026/27 · 37.5 hours a week · England, Wales and Northern Ireland unless stated
At £12.21 an hour for 37.5 hours a week you take home £1,721.87 a month, £20,662 a year, or £10.60 for every hour worked after tax.
Pay: £12.21 a hour · England, Wales or NI · 2026/27
Your take-home pay
£1,721.87 a month
£20,662 a year · £397.35 a week · £10.60 an hour after tax
| Item | Year | Month | Week |
|---|---|---|---|
| Gross pay | £23,810 | £1,984.13 | £457.88 |
| Taxable pay | £23,810 | £1,984.13 | £457.88 |
Income tax
| −£2,248 | −£187.33 | −£43.23 |
| National Insurance | −£899 | −£74.93 | −£17.29 |
| Take-home pay | £20,662 | £1,721.87 | £397.35 |
| Item | Month |
|---|---|
| Gross pay | £1,984.13 |
| Taxable pay | £1,984.13 |
Income tax
| −£187.33 |
| National Insurance | −£74.93 |
| Take-home pay | £1,721.87 |
Where your pay goes
- Take-home pay: £20,662 a year (86.8%)
- Income tax: £2,248 a year (9.4%)
- National Insurance: £899 a year (3.8%)
Key rates
Effective deduction rate: 13.2%
Of your next £100 of pay you keep £72.00
Things to know
Warning: Below the National Living Wage
At 37.5 hours a week this works out at £12.21 an hour, below the National Living Wage for workers aged 21 and over (£12.71 an hour).
Employer cost
- Employer National Insurance
- £2,821 a year
- Total cost to your employer
- £26,631 a year
Excludes any employer pension contribution.
Estimate for the 2026/27 tax year using 1257L (default code). Rates verified against HMRC on 5 October 2026. Estimate only, not financial or tax advice. How we calculate →
£12.21 an hour by hours worked
| Hours a week | Gross a year | Take-home a month | Take-home a week |
|---|---|---|---|
| 16 | £10,159 | £846.56 | £195.36 |
| 20 | £12,698 | £1,055.20 | £243.51 |
| 25 | £15,873 | £1,245.68 | £287.46 |
| 30 | £19,048 | £1,436.16 | £331.42 |
| 37.5 | £23,810 | £1,721.87 | £397.35 |
| 40 | £25,397 | £1,817.11 | £419.33 |
| 45 | £28,571 | £2,007.58 | £463.29 |
Minimum wage
£12.21 is below the National Living Wage for workers aged 21 and over (£12.71) but meets the minimum for: aged 18 to 20 (£10.85).
| Rate | Per hour |
|---|---|
| National Living Wage (21 and over) | £12.71 |
| Aged 18 to 20 | £10.85 |
| Under 18 | £8.00 |
| Apprentice | £8.00 |
£12.21 an hour in Scotland
At 37.5 hours a week, Scottish taxpayers take home £1,725.18 a month (£20,702 a year), £40 a year more than in the rest of the UK.
Equivalent salary
£12.21 an hour full-time is about £23,810 a year. See £24,000 after tax for a full breakdown.
Nearby hourly rates
Frequently asked questions
How much is £12.21 an hour a month after tax?
At 37.5 hours a week, £12.21 an hour is £1,721.87 a month after income tax and National Insurance in 2026/27 (England, Wales or Northern Ireland, standard tax code).
How much is £12.21 an hour a week after tax?
You take home £397.35 a week for 37.5 hours, from £457.88 gross.
How much is £12.21 an hour a year after tax?
£12.21 an hour full-time is £23,810 a year before tax and £20,662 after tax.
Figures for 2026/27, verified against HMRC on 5 October 2026.
Sources:HMRC rates and thresholds for employers, National Minimum Wage and National Living Wage rates, Income Tax rates and Personal Allowances. Methodology →