NMW (Age 16-17) — 37.5 hours per week After Tax 2025-26
Age 16-17 NMW · £7.55/hr · Gross: £14,723/year
NMW (Age 16-17) — 37.5 hours per week — full tax breakdown 2025-26
| Item | Annual | Monthly |
|---|---|---|
| Gross pay | £14,723 | £1,227 |
| Personal Allowance (tax-free) | £12,570 | £1,048 |
| Income Tax | −£431 | −£36 |
| National Insurance (8%) | −£172 | −£14 |
| Net take-home | £14,120 | £1,177 |
Minimum wage take-home pay — 37.5 hours a week
Working 37.5 hours per week at the Age 16-17 NMW of £7.55/hr, your weekly gross is £283 and your annual gross is £14,723 (based on 52 weeks). After Income Tax of £431 and National Insurance of £172, your take-home pay is £14,120/year, which is £1,177/month or £272/week net.
These figures use the standard tax code 1257L, no pension contributions, and no student loan deductions. Use the calculator above to adjust for your specific circumstances — including pension contributions that reduce your taxable income and National Insurance liability.
Personalised insights — 37.5 hrs/week at £7.55/hr
At £7.55/hr you currently earn £9,087/year less than the £12.21/hr National Living Wage rate paid to workers aged 21+ at the same 37.5 hours/week. That is £175 less per week and £757 less per month — a real step-up to expect when you turn 21 (18-20 band) or complete year 2 of your apprenticeship (apprentice band).
Your annual gross of £14,723 sits 8% below the commonly cited UK single-adult poverty benchmark of £16,000. You keep 96% of each pound earned after Income Tax and NI, and around £2 leaves your paycheck in combined tax/NI per working day (260-day year). Daily net reaching your bank account: roughly £54.
You are already on a full-time 37.5-hour week. Saving 10% of your take-home (£118/month) into a Stocks & Shares ISA would take around 170 months (~14.2 years) to fill one £20,000 annual ISA allowance — a useful marker even on minimum-wage pay.
Further reading
Frequently asked questions
How much do I take home on minimum wage working 37.5 hours a week?
Working 37.5 hours/week at £7.55/hr (NMW (Age 16-17) — 37.5 hours per week), your annual gross is £14,723. After Income Tax (£431) and National Insurance (£172), you take home £14,120/year — £1,177/month or £272/week.
Do I pay Income Tax on minimum wage at 37.5 hours a week?
Yes. At 37.5 hours/week, your annual gross is £14,723, above the £12,570 Personal Allowance. Income Tax of £431/year is deducted at 20% on earnings above £12,570.
How much do I earn per week working 37.5 hours at the minimum wage?
Working 37.5 hours/week at £7.55/hr gives a weekly gross of £283 and an annual gross of £14,723 (52 weeks). Your weekly take-home after tax is approximately £272.
What is the NMW / NLW rate for Age 16-17 NMW in 2025-26?
Workers aged 16 and 17 are entitled to the National Minimum Wage of £7.55/hr from April 2025. They are not yet entitled to the National Living Wage or the 18-20 NMW rate.
How much tax do I actually pay on minimum wage working 37.5 hours a week?
The effective tax rate (Income Tax + NI as % of gross) on £14,723 annual gross is 4.1%. Income Tax is £431 and National Insurance is £172. Total deductions: £603/year.
What is the difference between the National Minimum Wage and the National Living Wage for this age group?
Workers aged 16-17 are entitled to the NMW of £7.55/hr — the same rate as year-one apprentices. At 37.5 hours/week, this gives a gross of £14,723/year (£283/week). The next step-up is to £10.00/hr at age 18, and then to the National Living Wage of £12.21/hr at age 21.
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