TaxWedge

England & Wales · 2026/27

£11 an hour is £21,450 a year

On a 37.5-hour week, £11 an hour is £21,450 gross — and £18,963.60 after income tax and National Insurance, which is £1,580.30 a month.

  • Gross £21,450
  • Take-home £18,963.60
  • Effective rate 11.6%
  • 37.5h week, 52 weeks
Take-home a year
£18,963.60
£1,580.30 a month · £364.68 a week
Total deductions
£2,486.40
11.6% of gross pay
On your next £100
28%
You keep £72 of the next £100
Cost to employ you
£23,917.50
Includes £2,467.50 of employer NI absent from your payslip
The wedge
20.7%
Share of that cost that never reaches you

£11 an hour and the minimum wage

£11 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 £21,450 a year this sits below or near the £12,570 personal allowance and the National Insurance primary threshold, so the effective rate here is 11.6% — 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 £11 an hour is £11,440 at half time and £22,880 on a 40-hour week — and because income tax is banded, the take-home does not scale in step with the hours.

£11 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£21,450£18,963.60£1,580.30£364.68
40 hours a 40-hour week£22,880£19,993.20£1,666.10£384.48
35 hours a 35-hour week£20,020£17,934£1,494.50£344.88
20 hours half time£11,440£11,440£953.33£220

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.

£11 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.

£11 an hour, by the units a rota is actually written in.
WorkedGrossAfter tax at this annual rate
One hour£11£7.92
A 4-hour shift£44£31.68
An 8-hour day£88£63.36
A 12-hour shift£132£95.04
A 37.5-hour week£412.50£297
A 5-day week at 8 hours£440£316.80

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 £21,450. 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 £18,963.60 79.3%
  • Your NI £710.40 3.0%
  • Income tax £1,776 7.4%
  • Employer NI £2,467.50 10.3%

£11 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.

£11 an hour on a 37.5-hour week, taxed under each UK income tax regime.
Where you liveGross a yearTake-homeDifference
England & Wales£21,450£18,963.60
Scotland£21,450£19,003.27+£39.67

The arithmetic on £21,450

Every figure below is amount × rate on the published 2026/27 bands for England, Wales & Northern Ireland.
StepApplied toRateAmount
Gross pay£21,450
Personal allowancetax-free0%−£12,570
Taxable income£8,880
Basic rate£8,880 of it20%£1,776
Income tax£1,776
National Insurance — main rate£8,880 of it8%£710.40
National Insurance£710.40
Take-home pay£18,963.60

Adding the deductions gives £2,486.40, and £21,450 less that is the £18,963.60 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 £21,450 a year is close to

An hourly rate is only a salary once the hours are fixed, so everything below is measured against the £21,450 that £11 an hour comes to on a 37.5-hour week. Work different hours and the thresholds do not move — your position between them does.

£21,450 sits between two things that matter. £450 below you is the Postgraduate Loan repayment threshold, and £3,550 above you is the Plan 5 repayment threshold — so this salary is already past one change and approaching another.

The 5 thresholds closest to £21,450, nearest first.
What changesAtFrom here
Postgraduate Loan repayment threshold£21,000−£450passed
Plan 5 repayment threshold£25,000+£3,550ahead
Plan 1 repayment threshold£26,900+£5,450ahead
Plan 2 repayment threshold£29,385+£7,935ahead
Personal allowance£12,570−£8,880passed

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 just started biting: 6% of the £450 above the threshold, which is a small amount now and grows with every rise.
  • £25,000 — Plan 5 has not started. A borrower pays nothing until £3,550 more, and then 9% of the excess.
  • £26,900 — Plan 1 has not started. A borrower pays nothing until £5,450 more, and then 9% of the excess.
  • £29,385 — Plan 2 has not started. A borrower pays nothing until £7,935 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.

If your rate or hours changed

A swing of ten per cent either way from £21,450 does not cross a single band: the rate on further pay stays at 28% across the whole range from £19,305 to £23,595. 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.

£21,450 plus or minus ten per cent, and what each does to the rate on further pay.
If pay movedGrossTake-homeChangeNext £100 taxed at
−10%£19,305£17,419.20−£1,544.4028%
−5%£20,378£18,191.76−£771.8428%
+5%£22,523£19,736.16+£772.5628%
+10%£23,595£20,508+£1,544.4028%

What a pension contribution buys at this rate

There is no threshold within reach below £21,450, 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

1 of the five repayment thresholds are behind £21,450 and 4 are still ahead — Plan 5 at £25,000, Plan 1 at £26,900, Plan 2 at £29,385, Plan 4 (Scotland) at £33,795. Which plan you are on is not a choice, and the difference between them at this salary is £0 a year, so it is worth knowing which one your payslip is deducting.

What each student loan plan takes at £21,450, for the plans that have started.
PlanStarts atRepaid a yearA monthYour next £100
Postgraduate Loan£21,000£27£2.2534%

A postgraduate loan is repaid alongside an undergraduate one rather than instead of it, so someone with both pays both.

Questions people actually ask

£11 an hour is how much a year?

£21,450 a year before tax, on a 37.5-hour week for 52 weeks. After income tax and National Insurance that is £18,963.60. On a 40-hour week it is £22,880 gross instead.

£11 an hour is how much a month?

£1,787.50 a month gross, or £1,580.30 after tax, on a 37.5-hour week.

£11 an hour is how much a week?

£412.50 gross for a 37.5-hour week — £364.68 after tax. Fortnightly that is £729.37.

Is £11 an hour a good wage?

That is a judgement this site will not make for you, but here is the arithmetic it needs: £21,450 a year gross, £18,963.60 in your hand, an effective tax and NI rate of 11.6%, and 28% taken from anything extra you earn. Your employer pays £23,917.50 for the role once employer National Insurance is counted.

Is £11 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 →