Here's the rule:
* Use "an" before words that start with a vowel sound. This includes words that begin with a silent "h", or with a consonant that makes a vowel sound (like "u" in "university").
* Use "a" before words that start with a consonant sound. This includes words that begin with a vowel that makes a consonant sound (like "y" in "yacht").
Examples:
* An apple (vowel sound)
* A banana (consonant sound)
* An hour (silent "h")
* A unicorn (consonant sound)
* An umbrella (vowel sound)
* A useful tool (consonant sound)
Remember: It's the sound of the word that matters, not the letter it begins with.