TaxWedge

England & Wales · 2026/27

£10 an hour is £19,500 a year

On a 37.5-hour week, £10 an hour is £19,500 gross — and £17,559.60 after income tax and National Insurance, which is £1,463.30 a month.

  • Gross £19,500
  • Take-home £17,559.60
  • Effective rate 10.0%
  • 37.5h week, 52 weeks
Take-home a year
£17,559.60
£1,463.30 a month · £337.68 a week
Total deductions
£1,940.40
10.0% of gross pay
On your next £100
28%
You keep £72 of the next £100
Cost to employ you
£21,675
Includes £2,175 of employer NI absent from your payslip
The wedge
19%
Share of that cost that never reaches you

£10 an hour and the minimum wage

£10 an hour is below the National Living Wage of £12.71, which is the legal minimum for workers aged 21 and over in 2026/27. It is lawful for someone aged 18 to 20, whose minimum is £10.85, or for an apprentice in the first year of an apprenticeship. For anyone 21 or over it is not a lawful rate, and the shortfall is recoverable.

At £19,500 a year this sits below or near the £12,570 personal allowance and the National Insurance primary threshold, so the effective rate here is 10.0% — much of this income is not taxed at all. That is worth knowing before comparing it with a higher rate: the gap in take-home is smaller than the gap in gross.

It depends how many hours you work

An hourly rate is not an annual salary until you fix the week. The same £10 an hour is £10,400 at half time and £20,800 on a 40-hour week — and because income tax is banded, the take-home does not scale in step with the hours.

£10 an hour, at four common working patterns, for 52 weeks a year.
WeekGross a yearTake-home a yearA monthA week
37.5 hours the common UK full-time week£19,500£17,559.60£1,463.30£337.68
40 hours a 40-hour week£20,800£18,495.60£1,541.30£355.68
35 hours a 35-hour week£18,200£16,623.60£1,385.30£319.68
20 hours half time£10,400£10,400£866.67£200

Assumes every week is paid, including holiday. If you are paid only for weeks worked — agency or term-time — multiply by your paid weeks instead of 52.

£10 an hour by shift, day and week

An hourly rate is paid by the shift, not by the year, and the figures below are the ones that turn up on a rota. They are gross: the deduction rate rises with total annual pay, so a single shift is not taxed at a rate of its own.

£10 an hour, by the units a rota is actually written in.
WorkedGrossAfter tax at this annual rate
One hour£10£7.20
A 4-hour shift£40£28.80
An 8-hour day£80£57.60
A 12-hour shift£120£86.40
A 37.5-hour week£375£270
A 5-day week at 8 hours£400£288

The right-hand column applies this salary's marginal rate of 28%, which is what an EXTRA shift is worth once you are already earning £19,500. A first shift in a year with no other income would be taxed at nothing at all, because the personal allowance covers it.

Where the money goes

  • Take-home £17,559.60 81.0%
  • Your NI £554.40 2.6%
  • Income tax £1,386 6.4%
  • Employer NI £2,175 10.0%

£10 an hour elsewhere in the UK

Income tax is devolved to Scotland and National Insurance is not, so the same hourly rate leaves a different amount either side of the border.

£10 an hour on a 37.5-hour week, taxed under each UK income tax regime.
Where you liveGross a yearTake-homeDifference
England & Wales£19,500£17,559.60
Scotland£19,500£17,599.27+£39.67

The arithmetic on £19,500

Every figure below is amount × rate on the published 2026/27 bands for England, Wales & Northern Ireland.
StepApplied toRateAmount
Gross pay£19,500
Personal allowancetax-free0%−£12,570
Taxable income£6,930
Basic rate£6,930 of it20%£1,386
Income tax£1,386
National Insurance — main rate£6,930 of it8%£554.40
National Insurance£554.40
Take-home pay£17,559.60

Adding the deductions gives £1,940.40, and £19,500 less that is the £17,559.60 take-home above. National Insurance is charged per pay period rather than annually, so a month containing a bonus can pay more than this.

What £19,500 a year is close to

An hourly rate is only a salary once the hours are fixed, so everything below is measured against the £19,500 that £10 an hour comes to on a 37.5-hour week. Work different hours and the thresholds do not move — your position between them does.

£19,500 sits between two things that matter. £6,930 below you is the personal allowance, and £1,500 above you is the Postgraduate Loan repayment threshold — so this salary is already past one change and approaching another.

The 5 thresholds closest to £19,500, nearest first.
What changesAtFrom here
Postgraduate Loan repayment threshold£21,000+£1,500ahead
Plan 5 repayment threshold£25,000+£5,500ahead
Personal allowance£12,570−£6,930passed
Plan 1 repayment threshold£26,900+£7,400ahead
Plan 2 repayment threshold£29,385+£9,885ahead

Measured against the 2026/27 parameters for England, Wales & Northern Ireland. Distances are on gross pay before any salary sacrifice, because that is the figure every one of these thresholds is tested against.

  • £21,000 — Postgraduate Loan has not started. A borrower pays nothing until £1,500 more, and then 6% of the excess.
  • £25,000 — Plan 5 has not started. A borrower pays nothing until £5,500 more, and then 9% of the excess.
  • £12,570 — Above it income tax starts, and the first pound over is taxed while the ones under it are not.
  • £26,900 — Plan 1 has not started. A borrower pays nothing until £7,400 more, and then 9% of the excess.
  • £29,385 — Plan 2 has not started. A borrower pays nothing until £9,885 more, and then 9% of the excess.

If your rate or hours changed

A swing of ten per cent either way from £19,500 does not cross a single band: the rate on further pay stays at 28% across the whole range from £17,550 to £21,450. That makes this an unusually predictable place to be paid, and it means the arithmetic below scales — a rise of any size in that range is worth the same proportion in your hand.

£19,500 plus or minus ten per cent, and what each does to the rate on further pay.
If pay movedGrossTake-homeChangeNext £100 taxed at
−10%£17,550£16,155.60−£1,404.0028%
−5%£18,525£16,857.60−£70228%
+5%£20,475£18,261.60+£70228%
+10%£21,450£18,963.60+£1,40428%

What a pension contribution buys at this rate

There is no threshold within reach below £19,500, so a pension contribution here is not about ducking under anything — it is simply the ordinary trade. Sacrificing £1,000 costs you £720 in take-home, because 28% of it was never going to reach you anyway, and puts the full £1,000 into the pot. That is £1,000 of saving for £720 of spending power — a ratio of 1.39 to one, and it is the same ratio for every pound until the next band.

Student loans at this rate

No student loan repays anything at £19,500. The lowest threshold of the five is Postgraduate Loan at £21,000, which is £1,500 above this salary, so a borrower on any plan pays nothing at all here. That changes the moment pay crosses it, and it changes by 6% of the excess rather than by a flat amount.

Questions people actually ask

£10 an hour is how much a year?

£19,500 a year before tax, on a 37.5-hour week for 52 weeks. After income tax and National Insurance that is £17,559.60. On a 40-hour week it is £20,800 gross instead.

£10 an hour is how much a month?

£1,625 a month gross, or £1,463.30 after tax, on a 37.5-hour week.

£10 an hour is how much a week?

£375 gross for a 37.5-hour week — £337.68 after tax. Fortnightly that is £675.37.

Is £10 an hour a good wage?

That is a judgement this site will not make for you, but here is the arithmetic it needs: £19,500 a year gross, £17,559.60 in your hand, an effective tax and NI rate of 10.0%, and 28% taken from anything extra you earn. Your employer pays £21,675 for the role once employer National Insurance is counted.

Is £10 an hour legal?

Only for someone under 21 or an apprentice in their first year. The National Living Wage for workers aged 21 and over is £12.71 an hour for 2026/27, and for 18 to 20 year olds it is £10.85. Underpayment can be reclaimed for past years.

One PAYE job, standard tax code, 2026/27 rates, employment income only. What this does and does not model →