02/01/2026
Are you accidentally paying below minimum wage without realising it?
If you’ve got staff on a salary under £25,274.70 for 37.5 hours a week, you might be.
Even if you think you’re “above minimum wage”.
I’m not talking theory.
HMRC has already named and shamed charities and small businesses for this exact mistake. Fines, back pay, and a public listing on a government website for everyone to see.
Here’s the bit most people miss:
You’re not judged on the yearly salary.
You’re judged on each monthly pay period.
So an employee on £24,000, working 37.5 hours a week, looks fine on paper.
But in a month with more working days, their hours go up… their salary doesn’t… and their real hourly rate quietly drops below £12.21.
On a spreadsheet, you’re “doing the right thing”.
By law, you’re in breach.
And HMRC don’t care if it was a mistake.
They don’t care if no one complained.
If the maths is wrong, you pay.
For charities, the risk is bigger than a fine:
Donor confidence
Trustee anxiety
Reputational damage
Time and money dragged into fixing something that could have been prevented
The good news? This is fixable.
I’ve built a simple 2025 Wage Check tool; you put in salary and hours, it shows you which months are safe and which months drop below minimum wage.
If you’re a charity leader or small employer and this has made your stomach flip a bit, do this:
Make a list of anyone earning under £25,274.70 on 37.5 hours
Get the numbers checked properly
Fix any issues before HMRC does it for you
If you want my Wage Check spreadsheet, drop a comment or message me “WAGE CHECK” and I’ll share the link so you can run your own numbers.
Better to find a problem now than read about it later in an HMRC report.