£40 an hour is how much a year in the UK?

At 37.5 hours per week (standard UK full-time), £40/hour works out to £78,000 gross per year. At a 40-hour week that rises to £83,200. This is before Income Tax and National Insurance.

£40 an hour after tax UK — what is the take-home?

A gross salary of £78,000 (£40/hour × 37.5 hrs × 52 weeks) leaves you with £55,797 a year — £4,650 a month or £1,073 a week after tax and NI (2024/25, rest-of-UK bands, no pension).

£40 an hour is how much a month?

Gross: £6,500 per month at 37.5 hrs/week. Net (take-home): approximately £4,650 per month after Income Tax and National Insurance.

£40 an hour → £78,000 a year (UK, 2024/25)

£40/hour in the UK works out to £78,000 gross per year at 37.5 hours per week (standard UK full-time). This page shows exact take-home after Income Tax and National Insurance for the 2024/25 tax year, plus how the answer changes at 35 or 40 hours a week.

Take-home summary (37.5 hrs/week)

Take-home / year£55,797

Take-home / month£4,650

Take-home / week£1,073

Gross / year£78,000

Where £78,000 goes (annual)

Gross salary	£78,000
− Income Tax	£18,632
− National Insurance	£3,571
= Take-home	£55,797

Effective total tax rate: 28.5%. Marginal rate on your next £1: 42.0%.

Add pension, student loan & other hours →

Different working patterns

Same hourly rate, different weekly hours changes the annual figure a lot. Here's £40/hour at three common UK full-time patterns:

Hours / week	Gross / year	Take-home / year	Take-home / month
35 hrs (compressed)	£72,800	£52,781	£4,398
37.5 hrs (standard)	£78,000	£55,797	£4,650
40 hrs (extended)	£83,200	£58,813	£4,901

Assumes 52 paid weeks per year. Most UK full-time contracts sit at 37.5 hours — hospitality and retail often run 40, professional services often 35.

What tax band does £40/hour fall in?

At 37.5 hrs/week, £40/hour = £78,000/year, which sits in the higher-rate band. Basic-rate 20% + 8% NI on the first slice, then 40% Income Tax + 2% NI above £50,270. Marginal keep-rate is 58p per extra £1.

Nearby hourly rates

Rate	Gross / year (37.5 hrs)	Take-home / year	Take-home / month
£30/hr	£58,500	£44,487	£3,707
£35/hr	£68,250	£50,142	£4,179
£40/hr (this page)	£78,000	£55,797	£4,650
£45/hr	£87,750	£61,452	£5,121
£50/hr	£97,500	£67,107	£5,592

What's included and what's not

Included: UK Income Tax (rest-of-UK bands), National Insurance Class 1 (employee), personal allowance and its £100k taper, 52 paid weeks per year.
Excluded by default: student loan repayments, pension contributions, salary sacrifice, benefits in kind, unpaid holiday, overtime. Add those on the full UK take-home calculator.
Scotland: Scottish taxpayers pay different Income Tax bands — use the Scottish take-home calculator.

Related tools

Full breakdown for a £80,000 salary
Full UK take-home pay calculator
Hours & pay calculator — total hours, overtime, breaks
Freelance hourly rate calculator — reverse-engineer your rate from target take-home
Browse all hourly-rate landing pages