NMW (Age 21+) — 15 hours per week After Tax 2025-26
Age 21+ (National Living Wage) · £12.21/hr · Gross: £9,524/year
NMW (Age 21+) — 15 hours per week — full tax breakdown 2025-26
| Item | Annual | Monthly |
|---|---|---|
| Gross pay | £9,524 | £794 |
| Personal Allowance (tax-free) | £12,570 | £1,048 |
| Income Tax | −£0 | −£0 |
| National Insurance (8%) | −£0 | −£0 |
| Net take-home | £9,524 | £794 |
No Income Tax payable. At 15 hours/week at £12.21/hr, your annual gross of £9,524 is below the £12,570 Personal Allowance. You pay no Income Tax. Your earnings are also below the NI Primary Threshold — no National Insurance is deducted.
Minimum wage take-home pay — 15 hours a week
Working 15 hours per week at the Age 21+ (National Living Wage) of £12.21/hr, your weekly gross is £183 and your annual gross is £9,524 (based on 52 weeks). After Income Tax of £0 and National Insurance of £0, your take-home pay is £9,524/year, which is £794/month or £183/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 15 hours a week?
Working 15 hours/week at £12.21/hr (NMW (Age 21+) — 15 hours per week), your annual gross is £9,524. After Income Tax (£0) and National Insurance (£0), you take home £9,524/year — £794/month or £183/week.
Do I pay Income Tax on minimum wage at 15 hours a week?
No. At 15 hours/week at the minimum wage, your annual gross is £9,524 — below the £12,570 Personal Allowance. You pay zero Income Tax. Your employer may still operate PAYE, but will return any over-deducted tax.
What is the weekly gross pay for 15 hours at £12.21?
Working 15 hours/week at £12.21/hr gives a weekly gross of £183 and an annual gross of £9,524 (52 weeks). Your weekly take-home after tax is approximately £183.
What is the NMW / NLW rate for Age 21+ (National Living Wage) in 2025-26?
The National Living Wage for workers aged 21 and over is £12.21/hr from April 2025. This is the statutory minimum — employers must pay at least this rate or face HMRC enforcement and financial penalties.
What is the effective tax rate on minimum wage at 15 hours a week?
The effective tax rate (Income Tax + NI as % of gross) on £9,524 annual gross is 0%. Income Tax is £0 and National Insurance is £0. Total deductions: £0/year.
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