UK Minimum Wage & Underpayment Checker

Check whether pay meets the UK National Minimum Wage or National Living Wage for any pay period from April 2023 to 2026/27. Works for hourly and salaried workers and apprentices, and shows any potential underpayment straight away.

  • Free, no sign-up needed
  • 2026/27 rates
  • Hourly and salaried
  • Apprentices
  • Every rule linked to GOV.UK or HMRC

Runs entirely in your browser — nothing you enter is sent anywhere or stored. Rules last checked against the official sources on 15 October 2026.

Your pay

No sign-up, no names. Your result updates as you type.

How are you paid?
On the first day of the pay period
Apprentice?On a proper apprenticeship
In this pay period
Gross pay on the payslip
Anything taken off the pay? (optional)

You don’t need to enter tax, National Insurance, student loan or loan repayments — they don’t count. Source: GOV.UK

Tips don’t count towards the minimum wage, so they’re taken out.

Free accommodation counts as pay up to £11.10 a day (2026/27). Rent above that limit is taken off. Source: GOV.UK

Your result

Fill these in and your result appears here straight away:

  • Age (needed)
  • First day of the pay period (needed)
  • Hours worked (needed)
  • Total pay (needed)

Estimate only, based on what you entered. Rules checked 15 October 2026.

UK minimum wage rates 2026/27 and earlier years

Hourly rates by age. Each rate applies to pay periods that start on or after 1 April of that year. Source: GOV.UK

UK minimum wage hourly rates by year
Pay periods starting21 and over18 to 20Under 18ApprenticeAccommodation offset
1 April 2026 to 31 March 2027£12.71£10.85£8.00£8.00£11.10 a day
1 April 2025 to 31 March 2026£12.21£10.00£7.55£7.55£10.66 a day
1 April 2024 to 31 March 2025£11.44£8.60£6.40£6.40£9.99 a day
1 April 2023 to 31 March 2024£10.42 (23+)£10.18 (21–22)£7.49£5.28£5.28£9.10 a day

Until 31 March 2024 the National Living Wage started at 23, with a separate rate for 21 and 22 year olds. The accommodation offset has a weekly maximum of 7 times the daily rate. Source: GOV.UK

How the minimum wage check works

  1. The rate is the one in force on the first day of the pay period, for the worker’s age on that day. Source: GOV.UK
  2. Minimum pay needed = hours worked × the hourly rate. For salaried workers, the hours are the contracted hours for the year divided by the pay periods in a year (12 for monthly, 52 for weekly). This checker turns weekly hours into yearly hours using 52.14 weeks — GOV.UK says employers may use 52, 52.14, 52.18 or another method, so check your contract. Source: GOV.UK
  3. Pay that counts is gross pay before tax and National Insurance, minus tips, work costs the worker paid and salary sacrifice, plus the accommodation offset if accommodation is free. Source: GOV.UK
  4. If pay that counts is less than the minimum pay needed, the difference is the estimated shortfall for that pay period.
  5. For past pay periods, HMRC works out arrears at today’s rate: shortfall ÷ the old rate × today’s rate. Source: HMRC

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Official sources

Every rule and figure this calculator uses comes from the legislation and official guidance below. All links were checked on 15 October 2026.

Minimum wage questions

What is the minimum wage in 2026/27?

From 1 April 2026 it is £12.71 an hour for workers aged 21 and over (the National Living Wage), £10.85 for ages 18 to 20, £8.00 for under-18s and £8.00 for apprentices.

Source: GOV.UK

How does age affect the minimum wage?

The rate depends on the worker’s age on the first day of the pay period. After a birthday, the higher rate starts from the next pay period.

Source: GOV.UK

When does the apprentice rate apply?

Apprentices get the apprentice rate if they are under 19, or 19 or over and in the first year of their apprenticeship. After the first year, apprentices aged 19 or over get the rate for their age.

Source: GOV.UK

Do tax and National Insurance count?

No. The check uses gross pay before tax and National Insurance, so take-home pay is not the figure to use.

Source: GOV.UK

Do tips count towards the minimum wage?

No. Tips, gratuities and service charges can’t be used to make up the minimum wage.

Source: GOV.UK

Can a uniform or work costs reduce minimum wage pay?

Yes. If a worker pays for a uniform, tools or other costs the job needs, that amount is taken off their pay for the minimum wage check.

Source: GOV.UK

Can accommodation count towards the minimum wage?

Yes, up to a limit — the accommodation offset, which is £11.10 a day (£77.70 a week) from April 2026. Any rent above that limit reduces pay for the minimum wage check.

Source: GOV.UK

How is the minimum wage worked out for salaried workers?

The contracted hours for the year are divided by the number of pay periods (12 for monthly, 52 for weekly), and the salary paid for the period is compared with those hours. Where a contract gives weekly hours, employers may multiply by 52, 52.14 or 52.18 to get yearly hours — this checker uses 52.14.

Source: GOV.UK

What if I was underpaid in the past?

For past pay periods, HMRC works out arrears at today’s rate: the shortfall ÷ the old rate × today’s rate. Workers can get free advice from Acas on 0300 123 1100 or complain to HMRC.

Sources: HMRC, GOV.UK

Is this calculator official?

No. It’s a free, independent tool from MadyHR.ai, not affiliated with HMRC or GOV.UK. GOV.UK has its own minimum wage calculator.

Source: GOV.UK

Important: please read

This checker gives an estimate for general information only, based on the figures you enter. It is not legal, payroll, employment or financial advice, and it does not decide anyone’s legal entitlement or confirm that an employer has met every legal requirement.

It covers workers paid by the hour or by yearly salary. Piece-rate work, sleep-in shifts, on-call time, unpaid absence and some deductions follow extra rules it does not handle. Penalties, interest and tax adjustments are not included. Source: GOV.UK

MadyHR.ai is not a law firm and does not provide legal advice through this checker. We accept no responsibility for decisions made using its results — always check the official guidance or take professional advice.

This is an independent tool. It is not affiliated with or endorsed by HM Revenue & Customs, GOV.UK, HM Government or any other government body.

The minimum wage rates are the same in England, Scotland, Wales and Northern Ireland. This is an independent MadyHR.ai tool based on official sources, not legal or payroll advice. For anything unusual, check the sources above, use the GOV.UK calculator for employers or contact the pay and work rights helpline.

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