Apprenticeship £10,000/year After Tax 2025-26
Gross: £10,000/year
You pay NO Income Tax — earnings (£10,000/year) are below the £12,570 Personal Allowance.
National Insurance is also zero — both thresholds are £12,570 in 2025-26. Your take-home equals your gross.
Tax breakdown — Apprenticeship £10,000/year 2025-26
| Item | Annual | Monthly | Weekly |
|---|---|---|---|
| Gross earnings | £10,000 | £833 | £192 |
| Personal Allowance (tax-free) | £12,570 | £1,048 | £242 |
| Income Tax | −£0 | −£0 | −£0 |
| National Insurance | −£0 | −£0 | −£0 |
| Net take-home | £10,000 | £833 | £192 |
Frequently asked questions
Do apprentices pay Income Tax?
At £10,000/year, your earnings are below the £12,570 Personal Allowance. You pay zero Income Tax. Your employer should still operate PAYE but the deduction is nil.
Do apprentices pay National Insurance?
No. Your earnings of £10,000/year are below the NI Primary Threshold of £12,570. National Insurance is zero. You and your employer do not pay NI contributions on this earnings level.
What is the apprentice NMW rate for 2025-26?
The apprentice rate is £7.55/hr for apprentices who are either under 19, or aged 19+ but in the first year of their apprenticeship. Once you are aged 19 or over AND in year two or beyond, you are entitled to the full National Minimum Wage — £12.21/hr for 2025-26. Employers who underpay face penalties from HMRC.
How much does an apprentice take home per month?
On £10,000/year (Apprenticeship £10,000/year), your monthly take-home is £833 after Income Tax of £0 and NI of £0. Your weekly take-home is £192. Effective tax rate: 0%.