NMW (Age 16-17) — 45 hours per week After Tax 2025-26
Age 16-17 NMW · £7.55/hr · Gross: £17,667/year
NMW (Age 16-17) — 45 hours per week — full tax breakdown 2025-26
| Item | Annual | Monthly |
|---|---|---|
| Gross pay | £17,667 | £1,472 |
| Personal Allowance (tax-free) | £12,570 | £1,048 |
| Income Tax | −£1,019 | −£85 |
| National Insurance (8%) | −£408 | −£34 |
| Net take-home | £16,240 | £1,353 |
Minimum wage take-home pay — 45 hours a week
Working 45 hours per week at the Age 16-17 NMW of £7.55/hr, your weekly gross is £340 and your annual gross is £17,667 (based on 52 weeks). After Income Tax of £1,019 and National Insurance of £408, your take-home pay is £16,240/year, which is £1,353/month or £312/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 — 45 hrs/week at £7.55/hr
At £7.55/hr you currently earn £10,904/year less than the £12.21/hr National Living Wage rate paid to workers aged 21+ at the same 45 hours/week. That is £210 less per week and £909 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 £17,667 sits 10% above the commonly cited UK single-adult poverty benchmark of £16,000. You keep 92% of each pound earned after Income Tax and NI, and around £5 leaves your paycheck in combined tax/NI per working day (260-day year). Daily net reaching your bank account: roughly £62.
Scaling up to a full-time 37.5-hour week at the same £7.55/hr would give an annual gross of £14,723 and a take-home of £14,120/year (£1,177/month). On your current 45 hours, saving 10% of your take-home (£135/month) into an ISA would take about 149 months to reach the £20,000 annual allowance.
Further reading
Frequently asked questions
How much do I take home on minimum wage working 45 hours a week?
Working 45 hours/week at £7.55/hr (NMW (Age 16-17) — 45 hours per week), your annual gross is £17,667. After Income Tax (£1,019) and National Insurance (£408), you take home £16,240/year — £1,353/month or £312/week.
Do I pay Income Tax on minimum wage at 45 hours a week?
Yes. At 45 hours/week, your annual gross is £17,667, above the £12,570 Personal Allowance. Income Tax of £1,019/year is deducted at 20% on earnings above £12,570.
How much do I earn per week working 45 hours at the minimum wage?
Working 45 hours/week at £7.55/hr gives a weekly gross of £340 and an annual gross of £17,667 (52 weeks). Your weekly take-home after tax is approximately £312.
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 45 hours a week?
The effective tax rate (Income Tax + NI as % of gross) on £17,667 annual gross is 8.08%. Income Tax is £1,019 and National Insurance is £408. Total deductions: £1,427/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 45 hours/week, this gives a gross of £17,667/year (£340/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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