NMW (Age 18-20) — 48 hours per week After Tax 2025-26
Age 18-20 NMW · £10.00/hr · Gross: £24,960/year
NMW (Age 18-20) — 48 hours per week — full tax breakdown 2025-26
| Item | Annual | Monthly |
|---|---|---|
| Gross pay | £24,960 | £2,080 |
| Personal Allowance (tax-free) | £12,570 | £1,048 |
| Income Tax | −£2,478 | −£207 |
| National Insurance (8%) | −£991 | −£83 |
| Net take-home | £21,491 | £1,791 |
Minimum wage take-home pay — 48 hours a week
Working 48 hours per week at the Age 18-20 NMW of £10.00/hr, your weekly gross is £480 and your annual gross is £24,960 (based on 52 weeks). After Income Tax of £2,478 and National Insurance of £991, your take-home pay is £21,491/year, which is £1,791/month or £413/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.
Frequently asked questions
How much do I take home on minimum wage working 48 hours a week?
Working 48 hours/week at £10.00/hr (NMW (Age 18-20) — 48 hours per week), your annual gross is £24,960. After Income Tax (£2,478) and National Insurance (£991), you take home £21,491/year — £1,791/month or £413/week.
Do I pay Income Tax on minimum wage at 48 hours a week?
Yes. At 48 hours/week, your annual gross is £24,960, above the £12,570 Personal Allowance. Income Tax of £2,478/year is deducted at 20% on earnings above £12,570.
What is the weekly gross pay for 48 hours at £10.00?
Working 48 hours/week at £10.00/hr gives a weekly gross of £480 and an annual gross of £24,960 (52 weeks). Your weekly take-home after tax is approximately £413.
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.
What is the effective tax rate on minimum wage at 48 hours a week?
The effective tax rate (Income Tax + NI as % of gross) on £24,960 annual gross is 13.9%. Income Tax is £2,478 and National Insurance is £991. Total deductions: £3,469/year.
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