£13 an hour is how much a year?
At 37.5 hours a week, £13 an hour is £25,350.00 a year before tax. After income tax and National Insurance in 2026/27, you take home £1,814.30 a month. These figures assume England, Wales or Northern Ireland, with no pension or student loan.
Full-time and part-time hours
What £13 an hour comes to for different working weeks:
| Hours a week | Yearly pay | Take-home per month | Take-home per week |
|---|---|---|---|
| 16 hours | £10,816.00 | £901.33 | £208.00 |
| 20 hours | £13,520.00 | £1,104.50 | £254.88 |
| 25 hours | £16,900.00 | £1,307.30 | £301.68 |
| 30 hours | £20,280.00 | £1,510.10 | £348.48 |
| 35 hours | £23,660.00 | £1,712.90 | £395.28 |
| 37.5 hours | £25,350.00 | £1,814.30 | £418.68 |
| 40 hours | £27,040.00 | £1,915.70 | £442.08 |
These figures assume 52 paid weeks a year, including paid holiday. Under about 18.5 hours a week at this rate, you earn less than the £12,570 tax-free allowance, so no income tax is due.
How it's worked out at 37.5 hours
- Tax-free Personal Allowance: £12,570.
- Taxable income: £25,350 − £12,570 = £12,780.
- Basic rate (20%): £12,780.00 × 20% = £2,556.00.
- National Insurance: 8% of £12,780.00 (earnings between £12,570 and £50,270) = £1,022.40.
With a pension or student loan
Monthly take-home at 37.5 hours a week:
| Take-home per month | Change | |
|---|---|---|
| Income tax and NI only | £1,814.30 | - |
| 5% pension taken before tax | £1,729.80 | −£84.50 |
| 5% pension by salary sacrifice | £1,738.25 | −£76.05 |
| Plan 2 student loan | £1,814.30 | £0.00 |
| Plan 5 student loan | £1,811.68 | −£2.62 |
| 5% pension and Plan 2 loan | £1,729.80 | −£84.50 |
Worth knowing
- That's £0.29 an hour above the 2026/27 National Living Wage of £12.71.
- Overtime is taxed in the same way as normal pay. In a month with a lot of overtime, more tax and National Insurance come off that payslip, because payroll works them out each pay period.
- In Scotland the same hours take home £1,817.61 a month, which is £3.31 more than in the rest of the UK.
- For pension and student loan figures on a similar salary, see £25,000 after tax.
Enter your own hours, pension or student loan.
Open in the calculatorOther hourly rates
All hourly rates · Salaries after tax
Sources: Income Tax rates, Scottish Income Tax, rates and thresholds for employers 2026 to 2027 (National Insurance and student loans) and National Minimum Wage rates, all on GOV.UK.