Report 04 · Every April

First Job Report

£1,780a month is what a full-time job on the National Living Wage takes home in 2026/27 — from £24,785 a year before tax.

2026/27 rates · England, Wales and Northern Ireland tax bands · 37.5-hour week, no pension or student loan

Monthly take-home by starting pay

Full-time, 37.5 hours a week, 2026/27

Age 18–20 rate (£10.85)

£1,563

National Living Wage, 21+ (£12.71)

£1,780

UK median full-time

£2,824

TL;DRA full-time job on the National Living Wage takes home about £1,780 a month. Under-21s get less because the legal minimum is lower.

£1,563monthly take-home at the 18–20 rate of £10.85 an hour (£21,158 a year).Our maths on GOV.UK and HMRC rates

£0.00a month in Plan 5 student loan repayments at National Living Wage full-time pay.Our maths

5%your minimum workplace pension contribution under auto-enrolment, on qualifying earnings — your employer adds at least 3%.GOV.UK

TL;DRTax, National Insurance, student loan and pension all come off before your pay reaches you.

Your 5-minute move

Check whether the salary is before or after pension, and what percentage your employer adds.

Receipts · checked 9 November 2026