Part Time Take Home Pay Calculator UK 2026/27
Work out your exact net earnings with our free UK part time take home pay calculator. Calculate your monthly, weekly, and hourly take-home pay after PAYE Income Tax, Class 1 National Insurance, pension contributions, and student loan deductions for the 2026/27 tax year.
National Living Wage benchmark is £12.71+.
Typical part-time is 16–25 hours.
If this is a second job alongside another role, select Second Job (BR).
Auto-enrolment applies if earnings exceed £10,000.
Repayments only apply if part-time earnings exceed the annual threshold.
Results update automatically as you adjust numbers.
On your primary job, your first £12,570 is 100% tax-free. Your effective deduction rate is only 9.4%, keeping over 90p of every pound earned!
| Payslip Item | Per Week | Per Month | Per Year |
|---|---|---|---|
| Gross Pay | £300.00 | £1,300.00 | £15,600.00 |
| Tax-Free Allowance | £241.73 | £1,047.50 | £12,570.00 |
| PAYE Income Tax | -£8.65 | -£37.50 | -£450.00 |
| National Insurance | -£4.64 | -£20.11 | -£241.36 |
| Pension (5%) | -£15.00 | -£65.00 | -£780.00 |
| Take-Home Pay | £271.71 | £1,177.39 | £14,128.64 |
Estimates calculated in accordance with HMRC statutory PAYE rates and employee Class 1 National Insurance thresholds for the 2026/27 financial year. Second job calculations assume HMRC basic rate code BR.
Understanding Your Part-Time Take-Home Pay in the UK
Over 8 million people in the United Kingdom work part-time, representing roughly a quarter of the entire UK workforce. Whether you are balancing family commitments, studying, transitioning toward retirement, pursuing a side hustle, or working multiple jobs, understanding your net wage is essential. Our part time take home pay calculator allows you to calculate exactly how much money reaches your bank account each week and month after all mandatory HMRC deductions for the 2026/27 tax year (6 April 2026 to 5 April 2027).
Many employees transitioning from full-time to part-time employment are surprised to discover that their net income does not fall in direct proportion to their reduction in working hours. Because of the UK’s progressive tax bands and fixed personal allowances, part-time workers frequently retain a significantly higher proportion of their gross wages than their full-time counterparts.
The Part-Time Tax Advantage: On a standard 1257L tax code, every individual receives a £12,570 tax-free Personal Allowance. This allowance is not reduced if you work part-time. If you earn £16,000 part-time, only £3,430 of your income is subject to 20% Income Tax. You keep over 90% of your earnings!
How Does Tax Work for Part-Time Workers in the UK?
In the UK, Income Tax and National Insurance are governed by HM Revenue & Customs (HMRC) under the Pay As You Earn (PAYE) system. Here is how each deduction applies to part-time earnings for 2026/27:
1. Income Tax and the Personal Allowance
For workers living in England, Wales, and Northern Ireland, the UK tax bands are:
- Personal Allowance (0% Tax): Up to £12,570 per year (£1,048/month or £242/week) is completely tax-free.
- Basic Rate (20% Tax): Applies to taxable income between £12,571 and £50,270. Most part-time workers fall entirely within this band.
- Higher Rate (40% Tax): Applies to earnings above £50,270 (rarely reached by a single part-time contract).
If you reside in Scotland, Scottish Income Tax applies with six distinct tax bands ranging from the 19% Starter Rate to the 21% Intermediate Rate. You can simulate regional tax variations on our dedicated Income Tax Calculator.
2. Class 1 Employee National Insurance
Employee National Insurance (NI) contributions fund state benefits, statutory sick pay, and the UK State Pension. For 2026/27:
- Under the Primary Threshold (£242/week or £1,048/month): You pay 0% National Insurance. If you work 16 hours a week at £14/hour (£224/week), you pay zero National Insurance!
- Between £242 and £967 per week: You pay 8% National Insurance on earnings in this bracket.
- Lower Earnings Limit (LEL £125/week): As long as you earn above £125 per week, you build up qualifying years toward your State Pension, even if you pay no actual NI cash!
Check your exact weekly contributions with our National Insurance Calculator.
3. Workplace Pension Auto-Enrolment Threshold (£10,000)
Under UK workplace pensions law, employers are required by law to automatically enrol eligible workers into a workplace pension scheme. However, to qualify for automatic enrolment:
- You must earn at least £10,000 per year (£833.33 per month or £192 per week).
- You must be aged between 22 and State Pension age.
If your part-time wages are below £10,000, your employer is not legally mandated to enrol you automatically. However, if you earn over £6,240 per year, you have the legal right to opt in, and your employer must make matching contributions (at least 3%).
Working Two Jobs: The BR Tax Code Explained
A very common scenario among UK part-time workers is holding two jobs—either two part-time roles, or a primary full-time job alongside evening/weekend shifts.
When HMRC registers a second employment, they cannot give you two Personal Allowances. Therefore:
- Primary Job: Typically receives the 1257L tax code, allocating the full £12,570 tax-free allowance.
- Second Job: Given a BR (Basic Rate) tax code. Under code BR, all earnings are taxed at a flat 20% from the first pound without any tax-free allowance.
Our part time salary calculator uk allows you to select “Second Job (BR)” in the dropdown menu to see your exact take-home pay when all earnings on this contract are taxed at the flat 20% basic rate. You can also explore complex emergency codes on our Tax Code Calculator.
UK Part-Time Take-Home Pay Benchmark Table 2026/27
The table below shows typical weekly and monthly take-home pay figures across various hourly rates and weekly hours on a standard primary job (tax code 1257L with 5% salary sacrifice pension):
| Hourly Rate | Hours / Wk | Annual Gross | Monthly Net | Weekly Net | Take-Home % |
|---|---|---|---|---|---|
| £12.50 | 16 hours | £10,400 | £823 | £190 | 95.0% |
| £12.50 | 20 hours | £13,000 | £1,018 | £235 | 94.0% |
| £15.00 | 16 hours | £12,480 | £988 | £228 | 95.0% |
| £15.00 | 20 hours | £15,600 | £1,177 | £272 | 90.6% |
| £15.00 | 24 hours | £18,720 | £1,366 | £315 | 87.5% |
| £18.00 | 20 hours | £18,720 | £1,366 | £315 | 87.5% |
| £20.00 | 20 hours | £20,800 | £1,492 | £344 | 86.1% |
| £25.00 | 20 hours | £26,000 | £1,807 | £417 | 83.4% |
*Estimates based on 2026/27 England & Wales tax thresholds for a primary employment with standard tax code 1257L and 5% employee pension contribution.
Student Loans on Part-Time Wages
In the UK, student loan repayments are only deducted if your gross earnings exceed the annual repayment threshold for your loan plan:
- Plan 1: £26,065 per year (£2,172/month)
- Plan 2: £28,470 per year (£2,372/month)
- Plan 4 (Scotland): £32,745 per year (£2,728/month)
- Plan 5: £25,000 per year (£2,083/month)
- Postgraduate Loan: £21,000 per year (£1,750/month)
Because the vast majority of part-time salaries fall below £25,000 to £28,000, most part-time workers pay £0 in student loan deductions. This helps keep your monthly take-home pay substantially higher.
Related UK Salary & Tax Calculators
Explore our full collection of free UK payroll tools built for the 2026/27 tax year:
Our primary flagship tool for calculating net UK pay with full annual and monthly breakdowns.
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Work out part-time pro-rata salary from full-time equivalent advert figures.
Calculate take home pay on weekly wages under official weekly PAYE and NI thresholds.
Budgeting monthly household expenses? See your exact take-home pay per calendar month.
Calculate daily take-home pay, day rate to salary conversion, and contractor net income.
Detailed inspection of HMRC Income Tax bands across England, Scotland, and Wales.
Frequently Asked Questions About Part-Time Pay
Answers to common UK tax and take-home pay questions for part-time workers.
Part-time take-home pay is calculated by taking your gross part-time wages (hourly rate multiplied by weekly hours, or contracted annual salary) and deducting HMRC PAYE Income Tax, Class 1 employee National Insurance, workplace pension contributions, and any student loan repayments for the 2026/27 tax year. You receive the full UK Personal Allowance of £12,570 tax-free on your primary job.
Yes, as a percentage of gross earnings, part-time employees almost always pay a much lower effective tax rate than full-time workers. Because the £12,570 Personal Allowance and £12,570 National Insurance Primary Threshold apply in full to your lower gross income, a significantly higher percentage of your part-time pay is completely tax-free.
If you already have a primary job that utilizes your full £12,570 Personal Allowance (tax code 1257L), HMRC will allocate a BR (Basic Rate) tax code to your second part-time job. Under code BR, all earnings from your second job are taxed at a flat 20% Income Tax from the very first pound earned, plus 8% National Insurance on weekly earnings above £242.
Under UK auto-enrolment rules, your employer is only legally required to automatically enrol you into a workplace pension scheme if your part-time earnings exceed £10,000 per year (or £833 per month / £192 per week) and you are aged between 22 and State Pension age. If you earn less than £10,000, you retain the legal right to opt in and request employer contributions if you earn over £6,240 per year.
For the 2026/27 tax year, employees pay 0% National Insurance on earnings up to the Primary Threshold of £12,570 per year (£1,048 per month or £242 per week). Earnings between £242 and £967 per week are taxed at 8%, and earnings above £967 per week are taxed at 2%.
A pro-rata calculator is designed to convert an advertised full-time equivalent (FTE) salary into an equivalent part-time salary fraction. Our part-time take-home pay calculator is designed for actual part-time workers to input their specific hourly rate, weekly hours, days worked, or contracted part-time salary to immediately determine their exact net take-home pay in their bank account.