£10.85 an hour a year
On a 37.5-hour week, £10.85 an hour is £21,158 a year before tax and £1,563 a month after Income Tax and National Insurance.
Before tax
£21,158
a year · £1,763 a month · £407 a week
After tax
£1,563
a month · £18,753 a year · £361 a week
37.5 hours a week, paid for 52 weeks (paid holiday included). You keep about £9.62 of each hour.
£10.85 an hour at different hours
England, Wales and Northern Ireland rates, no pension or student loan.
| Hours a week | A year before tax | A month after tax | A week after tax |
|---|---|---|---|
| 16 | £9,027 | £752 | £174 |
| 20 | £11,284 | £940 | £217 |
| 25 | £14,105 | £1,140 | £263 |
| 30 | £16,926 | £1,309 | £302 |
| 35 | £19,747 | £1,478 | £341 |
| 37.5 | £21,158 | £1,563 | £361 |
| 40 | £22,568 | £1,647 | £380 |
| 45 | £25,389 | £1,817 | £419 |
The tax on £10.85 an hour, full-time
- Income Tax: £1,718 a year, £143 a month, after the £12,570 Personal Allowance.
- National Insurance: £687 a year, 8% of earnings above £12,570.
- In Scotland, take-home pay is £1,566 a month — £40 a year more, because Scotland sets its own Income Tax bands.
£10.85 and the minimum wage
£10.85 is £1.86 an hour below the National Living Wage of £12.71, so it is below the legal minimum for anyone aged 21 or over. It is above the £10.85 minimum for 18 to 20 year olds.
| Legal minimum from April 2026 | An hour | A year, 37.5 h/week |
|---|---|---|
| National Living Wage (21 and over) | £12.71 | £24,785 |
| 18 to 20 | £10.85 | £21,158 |
| Under 18 and apprentices | £8.00 | £15,600 |
Source: GOV.UK, National Minimum Wage and National Living Wage rates.
How £10.85 an hour compares
Over 90% of full-time employees in the UK earn more than £10.85 an hour, excluding overtime: the lowest-paid tenth earn up to £12.93. The full-time median is £19.67 an hour. Source: ONS Annual Survey of Hours and Earnings, 2025-provisional.
Questions about £10.85 an hour
How much is £10.85 an hour a year?
On a 37.5-hour week, £10.85 an hour is £21,158 a year before tax (37.5 hours × 52 weeks), £1,763 a month or £407 a week.
How much is £10.85 an hour after tax?
About £18,753 a year, £1,563 a month or £361 a week in the 2026/27 tax year, after £1,718 Income Tax and £687 National Insurance — £9.62 for each hour worked. That assumes full-time hours, no pension contributions and no student loan, in England, Wales or Northern Ireland.
Is £10.85 an hour above the minimum wage?
£10.85 is £1.86 an hour below the National Living Wage of £12.71, so it is below the legal minimum for anyone aged 21 or over. It is above the £10.85 minimum for 18 to 20 year olds.
How much is £10.85 an hour part-time?
On 20 hours a week it comes to £11,284 a year before tax and £940 a month after; on 30 hours, £16,926 a year and £1,309 a month.
Is £10.85 an hour a good wage in the UK?
Over 90% of full-time employees in the UK earn more than £10.85 an hour, excluding overtime: the lowest-paid tenth earn up to £12.93. Source: ONS Annual Survey of Hours and Earnings (2025-provisional). The full-time median is £19.67 an hour.