£15,000 After Tax UK (2026/27)
If you earn £15,000 (15k) a year, your take-home pay is £14,319.60 — that's £1,193.30 a month or £275.38 a week after Income Tax and National Insurance.
- Take-home 95.5%
- Income Tax 3.2%
- NI 1.3%
£15,000 salary breakdown
| Yearly | Monthly | Weekly | Daily | Hourly | |
|---|---|---|---|---|---|
| Gross pay | £15,000.00 | £1,250.00 | £288.46 | £57.69 | £7.69 |
| Income Tax | −£486.00 | −£40.50 | −£9.35 | −£1.87 | −£0.25 |
| National Insurance | −£194.40 | −£16.20 | −£3.74 | −£0.75 | −£0.10 |
| Take-home pay | £14,319.60 | £1,193.30 | £275.38 | £55.08 | £7.34 |
England, Wales and Northern Ireland, standard tax code 1257L, no pension or student loan. Hourly figures assume 37.5 hours a week. Change the options in the salary calculator →
15k a year is how much a month after tax?
On £15,000 a year your gross pay is £1,250.00 a month. After £40.50 Income Tax and £16.20 National Insurance, you take home £1,193.30 a month.
Income Tax on £15,000
You get a tax-free Personal Allowance of £12,570, so £2,430 of your salary is taxable. That gives an Income Tax bill of £486.00 a year. Your marginal rate — the share of any pay rise you lose to tax and NI — is 28%.
| Band | Rate | Income in band | Tax |
|---|---|---|---|
| Personal Allowance | 0% | £12,570 | £0.00 |
| Basic rate | 20% | £2,430.00 | £486.00 |
National Insurance on £15,000
You pay £194.40 in employee National Insurance a year (£16.20 a month). Your employer also pays about £1,500.00 in employer NI on top of your salary.
£15,000 after tax in Scotland
Scottish taxpayers earning £15,000 pay £461.70 Income Tax and take home £14,343.90 a year, or £1,195.33 a month. That is £24.30 a year more than in England, Wales or Northern Ireland. Use the Scotland calculator →
15k after tax with a student loan or pension
| Scenario | Monthly take-home | Yearly take-home |
|---|---|---|
| No extras | £1,193.30 | £14,319.60 |
| Plan 2 student loan | £1,193.30 | £14,319.60 |
| Plan 5 student loan | £1,193.30 | £14,319.60 |
| 5% salary sacrifice pension | £1,148.30 | £13,779.60 |
A 5% salary sacrifice puts £750.00 a year into your pension but only lowers your take-home pay by £540.00, because you save tax and NI on it. Try the salary sacrifice calculator →
Frequently asked questions
How much is 15k after tax in the UK?
In England, Wales and Northern Ireland, a £15,000 salary gives a take-home pay of £14,319.60 a year in 2026/27, after £486.00 Income Tax and £194.40 National Insurance.
15k a year is how much a month after tax?
£15,000 a year is £1,193.30 a month after tax and National Insurance, before any pension or student loan deductions. Your gross monthly pay is £1,250.00.
How much is £15,000 a week after tax?
You would take home about £275.38 a week, or £55.08 per working day.
What is £15,000 a year as an hourly rate?
Based on a 37.5-hour week, £15,000 is £7.69 an hour before tax and £7.34 an hour after tax.
How much tax do I pay on £15,000 in Scotland?
A Scottish taxpayer earning £15,000 pays £461.70 Income Tax and takes home £14,343.90 a year (£1,195.33 a month) — £24.30 more than in the rest of the UK.
Is £15,000 a good salary in the UK?
£15,000 is below the median full-time UK salary, which was £39,039 in April 2025 (ONS Annual Survey of Hours and Earnings). Whether it is enough depends on where you live, your housing costs and whether you support a family.