NMW (Age 18-20) — 30 hours per week After Tax 2025-26
Age 18-20 NMW · £10.00/hr · Gross: £15,600/year
NMW (Age 18-20) — 30 hours per week — full tax breakdown 2025-26
| Item | Annual | Monthly |
|---|---|---|
| Gross pay | £15,600 | £1,300 |
| Personal Allowance (tax-free) | £12,570 | £1,048 |
| Income Tax | −£606 | −£51 |
| National Insurance (8%) | −£242 | −£20 |
| Net take-home | £14,752 | £1,229 |
Minimum wage take-home pay — 30 hours a week
Working 30 hours per week at the Age 18-20 NMW of £10.00/hr, your weekly gross is £300 and your annual gross is £15,600 (based on 52 weeks). After Income Tax of £606 and National Insurance of £242, your take-home pay is £14,752/year, which is £1,229/month or £284/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 — 30 hrs/week at £10.00/hr
At £10.00/hr you currently earn £3,448/year less than the £12.21/hr National Living Wage rate paid to workers aged 21+ at the same 30 hours/week. That is £66 less per week and £287 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 £15,600 sits 3% below the commonly cited UK single-adult poverty benchmark of £16,000. You keep 95% of each pound earned after Income Tax and NI, and around £3 leaves your paycheck in combined tax/NI per working day (260-day year). Daily net reaching your bank account: roughly £57.
Scaling up to a full-time 37.5-hour week at the same £10.00/hr would give an annual gross of £19,500 and a take-home of £17,560/year (£1,463/month). On your current 30 hours, saving 10% of your take-home (£123/month) into an ISA would take about 163 months to reach the £20,000 annual allowance.
Further reading
Frequently asked questions
How much do I take home on minimum wage working 30 hours a week?
Working 30 hours/week at £10.00/hr (NMW (Age 18-20) — 30 hours per week), your annual gross is £15,600. After Income Tax (£606) and National Insurance (£242), you take home £14,752/year — £1,229/month or £284/week.
Do I pay Income Tax on minimum wage at 30 hours a week?
Yes. At 30 hours/week, your annual gross is £15,600, above the £12,570 Personal Allowance. Income Tax of £606/year is deducted at 20% on earnings above £12,570.
How much do I earn per week working 30 hours at the minimum wage?
Working 30 hours/week at £10.00/hr gives a weekly gross of £300 and an annual gross of £15,600 (52 weeks). Your weekly take-home after tax is approximately £284.
What is the NMW / NLW rate for Age 18-20 NMW in 2025-26?
Workers aged 18 to 20 are entitled to the National Minimum Wage of £10.00/hr from April 2025. The higher National Living Wage (£12.21/hr) applies from age 21.
How much tax do I actually pay on minimum wage working 30 hours a week?
The effective tax rate (Income Tax + NI as % of gross) on £15,600 annual gross is 5.44%. Income Tax is £606 and National Insurance is £242. Total deductions: £848/year.
What is the difference between the National Minimum Wage and the National Living Wage for this age group?
Workers aged 18-20 are entitled to the NMW of £10.00/hr — lower than the National Living Wage (£12.21/hr) that applies from age 21. At 30 hours/week, the age 18-20 rate gives a gross of £15,600/year (£300/week). When you turn 21, your employer must automatically move you to £12.21/hr or face HMRC enforcement action.
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