£15,000 after tax in the UK
Updated Updated for 2026 tax law
On a £15,000 salary you take home £14,320 a year in England, Wales or Northern Ireland in 2026/27 — £1,193.30 a month or £275.38 a week. You pay £486 Income Tax and £194.40 National Insurance. In Scotland you’d take home £14,344 (£1,195.33 a month).
| Per | Gross | Income Tax | NI | Take-home |
|---|---|---|---|---|
| Year | £15,000 | £486 | £194 | £14,320 |
| Month | £1,250.00 | £40.50 | £16.20 | £1,193.30 |
| 4 weeks | £1,153.85 | £37.38 | £14.95 | £1,101.51 |
| Week | £288.46 | £9.35 | £3.74 | £275.38 |
| Day | £57.69 | £1.87 | £0.75 | £55.08 |
| Hour | £7.69 | £0.25 | £0.10 | £7.34 |
- Take-home pay£14,320 · 95.5%
- Income Tax£486 · 3.2%
- National Insurance£194 · 1.3%
| Band | Rate | Income in band | Tax |
|---|---|---|---|
| Tax-free allowance | 0% | £12,570 | £0.00 |
| Basic rate | 20% | £2,430 | £486.00 |
How the tax on £15,000 is worked out
- Tax-free Personal Allowance: £12,570.
- Taxable income: £15,000 − £12,570 = £2,430.
- Basic rate: £2,430 × 20% = £486
- National Insurance: 8% × £2,430 = £194.40.
- Take-home: £15,000 − £486 − £194.40 = £14,319.60.
Your marginal rate — what you lose from the next £100 — is 28%.
£15,000 after tax in Scotland
| England, Wales & NI | Scotland | |
|---|---|---|
| Income Tax | £486 | £461.70 |
| National Insurance | £194.40 | £194.40 |
| Take-home / year | £14,319.60 | £14,343.90 |
| Take-home / month | £1,193.30 | £1,195.33 |
| Marginal rate | 28% | 27% |
Scottish taxpayers keep £24 more a year at this salary thanks to the 19% starter rate.
£15,000 with a pension or student loan
| Scenario | Take-home / year | Per month |
|---|---|---|
| No pension or loan | £14,320 | £1,193.30 |
| 5% pension, relief at source (£750 into pot) | £13,720 | £1,143.30 |
| 5% pension, salary sacrifice (£750 into pot) | £13,780 | £1,148.30 |
| Plan 2 student loan (£0 / yr) | £14,320 | £1,193.30 |
| Plan 5 student loan (£0 / yr) | £14,320 | £1,193.30 |
Calculate your own take-home pay
Change the salary, add your pension, student loan or tax code:
- Gross pay
- £15,000.00
- Tax-free allowance
- £12,570
- Taxable income
- £2,430
- Income Tax
- −£486.00
- National Insurance
- −£194.40
- Take-home pay
- £14,319.60
- Take-home pay£14,320 · 95.5%
- Income Tax£486 · 3.2%
- National Insurance£194 · 1.3%
| Band | Rate | Income in band | Tax |
|---|---|---|---|
| Tax-free allowance | 0% | £12,570 | £0.00 |
| Basic rate | 20% | £2,430 | £486.00 |
| Per | Gross | Income Tax | NI | Take-home |
|---|---|---|---|---|
| Year | £15,000 | £486 | £194 | £14,320 |
| Month | £1,250.00 | £40.50 | £16.20 | £1,193.30 |
| 4 weeks | £1,153.85 | £37.38 | £14.95 | £1,101.51 |
| Week | £288.46 | £9.35 | £3.74 | £275.38 |
| Day | £57.69 | £1.87 | £0.75 | £55.08 |
| Hour | £7.69 | £0.25 | £0.10 | £7.34 |
In Scotland you would take home £24 a year more (£2.02 a month) on the same pay.
2026/27 tax year (6 April 2026 to 5 April 2027). Annual figures; payslips apply thresholds per pay period, so they can differ by a few pounds.
Nearby salaries
Related tools
- UK salary calculator
- Scotland salary calculator
- Income Tax calculator
- National Insurance calculator
- Student loan repayment calculator
- Salary sacrifice calculator
- Hourly to annual salary
Sources
Every rate and threshold on this page is for the 2026/27 tax year (6 April 2026 to 5 April 2027) and was checked against these official pages on 18 October 2026:
- Rates and thresholds for employers 2026 to 2027 (HMRC)
- Income Tax rates and allowances for current and previous tax years (HMRC)
- Scottish Income Tax: rates and bands 2026 to 2027 (Scottish Government)
- Income Tax in Scotland (GOV.UK)
- Marriage Allowance (GOV.UK)
- Repaying your student loan: what you pay (GOV.UK)
- When your student loan gets written off or cancelled (GOV.UK)
- Tax codes (GOV.UK)
- Annual allowance (GOV.UK)
- Changes to salary sacrifice for pensions from April 2029 (HM Treasury/HMRC)
Disclaimer: Estimates for information only — not tax or financial advice. Results are annual figures for a single employment paid evenly through the year. Payroll applies thresholds per pay period and rounds some deductions, so your payslip can differ by a few pounds. Check your tax code and personal tax account on GOV.UK.
Frequently asked questions
How much is £15,000 a month after tax?
£1,193.30 a month in England, Wales or Northern Ireland and £1,195.33 in Scotland (2026/27, tax code 1257L, no pension or student loan).
How much tax do I pay on £15,000?
£486 Income Tax and £194.40 National Insurance a year — 4.5% of your salary in total. Your top band is the basic rate (20%).
What is £15,000 after tax in Scotland?
£14,344 a year (£1,195.33 a month): £24 more than in England because Scottish Income Tax is £461.70 instead of £486.
How much is £15,000 a week after tax?
£275.38 a week, or £7.34 an hour at 37.5 hours a week.
How much is £15,000 after tax with a student loan?
With a Plan 2 loan you repay £0 a year, leaving £14,320 (£1,193.30 a month). On Plan 5 it’s £14,320.
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Estimates for information only — not tax, legal or financial advice.