Think Your Employer Is Underpaying You? Here's Exactly What to Do
8 min read
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From April 2026 the National Living Wage rises to £12.71/hr, and the Apprentice rate hits £8.00/hr. Here's how to check if you're being paid correctly.
On 1 April 2026, the UK saw another significant, legally enforced increase to the National Minimum Wage and National Living Wage. With millions of workers impacted across the country, it is critical to ensure your employer has actually applied the new rates to your pay packet.
Based on the latest announcements from the Low Pay Commission and the government, here are the exact, up-to-date hourly rates for every age bracket in 2026, and how to verify you aren't being shortchanged.
The rates are strictly divided by age and apprenticeship status. It is illegal for any employer to pay you below these thresholds.
If you are 21 or older, you are entitled to the top tier, known as the National Living Wage. This rate saw a substantial increase for the 2026/27 financial year, jumping to £12.71 per hour.
Historically, the gap between younger workers and the National Living Wage was vast. In 2026, the government continued its push to close this gap, bringing the rate for 18 to 20-year-olds up to £10.85 per hour.
If you are 16 or 17 and have finished school, your legal minimum is now £8.00 per hour.
Apprentices also saw their minimum wage jump to £8.00 per hour. However, this rate only applies to apprentices in their first year of an apprenticeship, or those who are under 19. If you are 19 or older and have completed your first year, you are legally entitled to the standard minimum wage for your age group.
For a full-time worker (37.5 hours a week) over the age of 21, the new £12.71 rate equates to a gross annual salary of roughly £24,784. Depending on what you were earning last year, this increase can put an extra £1,000 to £1,500 in your pocket before tax.
While the new rates came into effect on 1 April 2026, you might not see it in your very next payslip. Legally, the new rate applies to the first full pay reference period starting on or after 1 April.
If you are paid monthly on the 15th of every month, your "pay reference period" likely runs from the 16th to the 15th. This means your pay from 16 March to 15 April might still use the old rate, and the new £12.71 rate won't kick in until your mid-May pay packet. Check with your payroll department to confirm your exact dates.
Do not simply assume your employer has updated their payroll software. Mistakes are incredibly common, particularly for salaried workers. If you are on an annual salary of £24,000 but work 40 hours a week, your effective hourly rate is only £11.53—meaning you are now being illegally underpaid if you are over 21.
The Accommodation Offset also changed in April 2026, rising to £11.10 a day. This is the maximum amount an employer can deduct from your minimum wage if they provide you with living accommodation.
From 1 April 2026: National Living Wage (aged 21+) is £12.71/hr. Ages 18–20: £10.85/hr. Under 18 and apprentices: £8.00/hr.
The National Living Wage (NLW) is the higher rate for workers aged 21 and over. The National Minimum Wage (NMW) applies to younger workers. Both are legally enforceable minimums.
Yes. If you're on a salary, HMRC divides your total pay by hours worked to check your effective hourly rate. If it falls below the minimum wage for your age group, you're being underpaid.
No. Following the Tips Act, tips and service charges cannot be used to make up the national minimum wage. All tips must be passed to workers in full.
🔢 Check if you're being paid the right rate right now.
Our Minimum Wage Checker 2026 shows you exactly how much you should be earning and how much you may be owed in arrears.
Lead Tax Writer & CIPP Associate
Sarah holds an Associate qualification from the Chartered Institute of Payroll Professionals (CIPP) and has 8 years of experience in UK payroll administration. All PAYE, NI, and pension calculations on Payslip Checker are reviewed against official HMRC rates before publication.
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