Wales Hourly to Salary Calculator

How Your Hourly Wage Is Converted to Take-Home Salary in Wales

In Wales, hourly workers are taxed under the same system as England for now, but the Welsh Government holds devolved powers to change income tax rates in future. Our calculator estimates your take-home pay from your hourly wage, factoring in tax, National Insurance, pensions, and student loan repayments using 2024/25 thresholds.

Gross Annual Salary from Hourly Pay

We calculate your gross annual salary by multiplying your hourly rate by weekly hours and then by 52 weeks. This forms the foundation for estimating your total deductions and final net income.

Income Tax (PAYE)

Income tax in Wales follows UK-wide bands for 2024/25: 20% basic rate, 40% higher rate, and 45% additional rate. A personal allowance of £12,570 is applied to most workers. Your tax code—typically starting with "C" for Cymru—determines if you’re entitled to the standard allowance or a modified one. The calculator uses your estimated salary to apply PAYE rules across bands cumulatively.

National Insurance Contributions (NICs)

NICs are paid across the UK. Most employees in Wales pay 8% on income above the Primary Threshold and up to the Upper Earnings Limit. These contributions support the NHS, pensions, and other welfare services. Your NI is calculated monthly and deducted before you receive your pay.

Pension Contributions

Workplace pensions are deducted before tax is calculated. You can enter your pension contribution percentage into the calculator to see how it reduces both your tax bill and your take-home income. This gives you a realistic sense of your net pay after retirement contributions.

Student Loan Repayments

Depending on your loan plan (Plan 1, Plan 2, or Postgraduate), a percentage of your income above a set threshold will be deducted. These are calculated based on your annualised hourly wage. Repayments are handled automatically via PAYE each month your income exceeds the threshold.

Tax Codes and Impact

Welsh tax codes often begin with "C" (e.g. C1257L, CBR, CD0). These codes affect your personal allowance and how tax is calculated. For instance, CBR removes your allowance and taxes all earnings at 20%. Our calculator allows you to simulate your take-home based on any common code.

Whether you're employed full-time, part-time, or doing shift work in Wales, this calculator helps you understand how your hourly pay translates into real-world income after deductions.