PayBreakdown

Hourly to salary calculator

Convert hourly pay into annual salary and estimate UK take-home pay using weekly hours, pension, tax, and student loan settings.

What this works out to

Hourly workers often need more than a simple hourly-rate conversion. This page points to the salary setup where hourly rate and weekly hours can be annualised and then passed through tax and deduction calculations.

A worked example

On £35,000 a year, a standard 2026/27 tax code and no pension or student loan, the figures work out like this. Open a calculator to put your own numbers in.

Gross salary£35,000
Take-home a year£28,720
Take-home a month£2,393
Take-home a week£552

Checks worth making on hourly to salary

Direct answer

Hourly workers often need more than a simple hourly-rate conversion. This page points to the salary setup where hourly rate and weekly hours can be annualised and then passed through tax and deduction calculations.

Assumptions used here

Tax/source year2026/27
RegionEngland/Wales/Northern Ireland
Tax code basis1257L where the page uses PAYE defaults
Pension basisNo pension deduction unless this example says otherwise
Student loan basisNo student loan unless selected in this example

What changes this result

Deposit and debtsDeposit size, existing credit commitments, childcare and other bills can matter as much as gross income.
Rate and termInterest rate, term, fees and lender policy can change the repayment pressure.

Source and methodology context

What is not decided herePayBreakdown does not decide payroll correctness, lender approval, benefit entitlement or employer compliance, and does not give regulated financial, mortgage, debt, tax, payroll or legal advice.

What the hourly to salary estimate assumes

The figures on this page use the values below. Open the calculator if your example salary differs.

Example salary£40,000 annual gross

What hourly-to-salary examples estimate

Hourly pages annualise an hourly rate using weekly hours, then pass the annual salary through the same PAYE-style take-home estimate used by salary pages.

  • Each example shows annual salary at 37.5 and 40 hours where relevant.
  • The linked salary calculator lets weekly hours and deductions be changed.
  • Hourly examples are estimates, not payslip or contract advice.

Inputs that can change the result

Hourly workers often need more than a simple hourly-rate conversion. This page points to the salary setup where hourly rate and weekly hours can be annualised and then passed through tax and deduction calculations. Salary estimates can change when the tax year, UK region, tax code, pension method, student loan plan, pay frequency, bonus, overtime or salary-sacrifice assumptions change.

  • Compare annual, monthly, weekly and daily take-home pay before changing assumptions.
  • Review Income Tax, National Insurance, pension and student-loan rows before comparing take-home pay.
  • Use examples as planning starting points, not as payslip or payroll decisions.

How to use the salary output

The useful figure for budgeting is usually take-home pay after Income Tax, National Insurance, pension deductions and student loan deductions. Gross pay helps compare jobs, while net pay is usually the better starting point for bills, savings and borrowing checks.

Checks before comparing with a payslip

Real payslips can differ because payroll works by pay period and can include tax-code changes, pension method differences, student-loan starts or stops, taxable benefits, salary sacrifice, bonuses, overtime, arrears, refunds, or rounding. Match the calculator settings to the payslip before treating a difference as meaningful.

What to review when comparing jobs

Two jobs with the same headline salary can feel different once pension contribution rate, employer pension method, student-loan plan, bonus pattern, overtime, tax code, region, salary sacrifice and pay frequency are considered. Compare the monthly net figure with commuting costs, bills and savings goals before deciding whether a higher gross salary improves the household plan.

How to turn the page into a real estimate

Start by matching the pay basis: annual salary, hourly rate, weekly hours, pay frequency and whether the figure is full-year or part-year. Then match the deductions that usually move the result the most: pension method, pension rate, student-loan plan, postgraduate loan, tax code, Scottish or Welsh tax treatment, bonus, overtime, taxable benefits and salary sacrifice. If the page is a comparison page, keep both sides on the same tax year and pension method before reading the difference. If it is a required-salary or pro-rata page, treat the answer as a target estimate and rerun it with a cautious lower-income or higher-deduction scenario before using it for bills, rent, borrowing or savings.

Make the estimate your own

Use the visible result as a starting point, then change the assumptions that apply to your situation. For salary pages, that usually means tax year, region, tax code, pension method, student loan plan, bonus, overtime and salary-sacrifice settings. For borrowing, debt or budget pages, it means the real payment amount, term, interest rate, balance, bill timing, savings target and any expected income change. Keep the result separate from advice or approval decisions: PayBreakdown helps you model the numbers, while official sources, employer records, provider documents and professional support are still the right place for final checks. If a change is close to a threshold, rerun the calculation with a cautious higher-cost or lower-income scenario before relying on the result.

Every hourly rate

117 pages in this set, each showing the calculation for a different figure.

£9/hour£9.50/hour£10/hour£10.25/hour£10.50/hour£10.75/hour£11/hour£11.44/hour£11.50/hour£11.75/hour£12/hour£12.21/hour£12.25/hour£12.50/hourMinimum wage£13/hourLiving wage£13.50/hour£14/hour£14.50/hour£15/hour£15.50/hour£16/hour£16.50/hour£17/hour£17.50/hour£18/hour£18.50/hour£19/hour£19.50/hour£20/hour£20.50/hour£21/hour£21.50/hour£22/hour£22.50/hour£23/hour£24/hour£24.50/hour£25/hour£26/hour£27/hour£27.50/hour£28/hour£29/hour£30/hour£32.50/hour£35/hour£37.50/hour£40/hour£45/hour£50/hour£55/hour£60/hour£65/hour£75/hour£100/hour£7.50/hour£8/hour£8.50/hour£23.50/hour£25.50/hour£26.50/hour£28.50/hour£29.50/hour£30.50/hour£31/hour£31.50/hour£32/hour£33/hour£33.50/hour£34/hour£34.50/hour£35.50/hour£36/hour£36.50/hour£37/hour£38/hour£38.50/hour£39/hour£39.50/hour£40.50/hour£41/hour£41.50/hour£42/hour£42.50/hour£43/hour£43.50/hour£44/hour£44.50/hour£45.50/hour£46/hour£46.50/hour£47/hour£47.50/hour£48/hour£48.50/hour£49/hour£49.50/hour£50.50/hour£51/hour£51.50/hour£52/hour£52.50/hour£53/hour£53.50/hour£54/hour£54.50/hour£55.50/hour£56/hour£56.50/hour£57/hour£57.50/hour£58/hour£58.50/hour£59/hour£59.50/hour
Salary After TaxSalary to HourlySalary ExamplesSalarySalary Calculator

Frequently asked questions

How do I turn hourly pay into annual salary?

Multiply the hourly rate by contracted weekly hours, then by the number of paid weeks in the year. PayBreakdown then passes that annualised figure through tax and deduction assumptions.

Can I change weekly hours?

Yes. Use the salary calculator in hourly mode to adjust rate, hours, pension, student loan, region, and tax code.

Does hourly-to-salary include unpaid weeks?

The examples use standard annualised assumptions. If paid weeks, unpaid leave or variable hours matter, open the calculator and adjust the hourly setup.

Last updated 2026-08-19. Estimates are for planning and should be checked against official records where the decision matters.