£15,000 after tax (2026/27)
Tax year 2026/27 · England, Wales and Northern Ireland unless stated
On a £15,000 salary you take home £1,193.30 a month, £14,320 a year, or £275.38 a week.
That’s an effective deduction rate of 4.5%: £486 income tax and £194 National Insurance a year.
Pay: £15000 a year · England, Wales or NI · 2026/27
Your take-home pay
£1,193.30 a month
£14,320 a year · £275.38 a week
| Item | Year | Month | Week |
|---|---|---|---|
| Gross pay | £15,000 | £1,250.00 | £288.46 |
| Taxable pay | £15,000 | £1,250.00 | £288.46 |
Income tax
| −£486 | −£40.50 | −£9.35 |
| National Insurance | −£194 | −£16.20 | −£3.74 |
| Take-home pay | £14,320 | £1,193.30 | £275.38 |
| Item | Month |
|---|---|
| Gross pay | £1,250.00 |
| Taxable pay | £1,250.00 |
Income tax
| −£40.50 |
| National Insurance | −£16.20 |
| Take-home pay | £1,193.30 |
Where your pay goes
- Take-home pay: £14,320 a year (95.5%)
- Income tax: £486 a year (3.2%)
- National Insurance: £194 a year (1.3%)
Key rates
Effective deduction rate: 4.5%
Of your next £100 of pay you keep £72.00
Things to know
Warning: Below the National Living Wage
At 37.5 hours a week this works out at £7.69 an hour, below the National Living Wage for workers aged 21 and over (£12.71 an hour).
Employer cost
- Employer National Insurance
- £1,500 a year
- Total cost to your employer
- £16,500 a year
Excludes any employer pension contribution.
Estimate for the 2026/27 tax year using 1257L (default code). Rates verified against HMRC on 5 October 2026. Estimate only, not financial or tax advice. How we calculate →
Full breakdown of £15,000 after tax
| Item | Year | Month | 4 weeks | Week | Day | Hour |
|---|---|---|---|---|---|---|
| Gross pay | £15,000 | £1,250.00 | £1,153.85 | £288.46 | £57.69 | £7.69 |
| Taxable pay | £15,000 | £1,250.00 | £1,153.85 | £288.46 | £57.69 | £7.69 |
| Income tax | −£486 | −£40.50 | −£37.38 | −£9.35 | −£1.87 | −£0.25 |
| National Insurance | −£194 | −£16.20 | −£14.95 | −£3.74 | −£0.75 | −£0.10 |
| Take-home pay | £14,320 | £1,193.30 | £1,101.51 | £275.38 | £55.08 | £7.34 |
Day figures assume 5 days a week; hour figures assume 37.5 hours a week.
£15,000 after tax in Scotland
| Item | England, Wales, NI | Scotland |
|---|---|---|
| Income tax a year | £486.00 | £461.70 |
| National Insurance a year | £194.40 | £194.40 |
| Take-home a month | £1,193.30 | £1,195.33 |
| Take-home a year | £14,320 | £14,344 |
Scottish taxpayers take home £24 more a year on £15,000.
Compared with last tax year
In 2025/26 a £15,000 salary gave £14,320 a year after tax (£1,193.30 a month). In 2026/27 it’s £14,320, exactly the same.
£15,000 after tax with a pension
| Contribution | Relief at source | Salary sacrifice | Extra with sacrifice (year) |
|---|---|---|---|
| 3% (£450 a year) | £1,163.30 | £1,166.30 | £36 |
| 5% (£750 a year) | £1,143.30 | £1,148.30 | £60 |
| 8% (£1,200 a year) | £1,113.30 | £1,121.30 | £96 |
| 10% (£1,500 a year) | £1,093.30 | £1,103.30 | £120 |
Salary sacrifice also saves National Insurance, so it leaves you with more each month for the same pension contribution. Relief at source figures exclude any extra relief higher-rate taxpayers can claim back.
£15,000 after tax with a student loan
| Plan | Repayment a year | Take-home a month |
|---|---|---|
| Plan 1 | £0.00 | £1,193.30 |
| Plan 2 | £0.00 | £1,193.30 |
| Plan 4 | £0.00 | £1,193.30 |
| Plan 5 | £0.00 | £1,193.30 |
| Postgraduate Loan | £0.00 | £1,193.30 |
If you earned more
If you earned £1,000 more you’d keep £720.00 of it after tax and National Insurance.
You’re £35,270 below the higher-rate threshold of £50,270.
How £15,000 compares
A £15,000 salary is lower than about 90% of full-time employees in the UK (ONS ASHE 2024).
Source: ONS Annual Survey of Hours and Earnings 2024, gross annual pay for full-time employees.
Things to know at £15,000
Below the National Living Wage
At 37.5 hours a week this works out at £7.69 an hour, below the National Living Wage for workers aged 21 and over (£12.71 an hour).
Nearby salaries
- £13,000 after tax
- £14,000 after tax
- £14,500 after tax
- £15,500 after tax
- £16,000 after tax
- £17,000 after tax
Paid by the hour? £15,000 full-time (37.5 hours a week) is about £7.69 an hour. See £7.55 an hour after tax.
Frequently asked questions
How much is £15,000 a month after tax?
£15,000 a year is £1,193.30 a month after income tax and National Insurance in 2026/27, for someone in England, Wales or Northern Ireland on the standard tax code with no pension or student loan.
How much is £15,000 a week after tax?
You take home £275.38 a week (£14,320 a year divided by 52).
How much income tax do I pay on £15,000?
You pay £486.00 income tax a year (£40.50 a month) in 2026/27. Your Personal Allowance is £12,570.
How much National Insurance do I pay on £15,000?
You pay £194.40 National Insurance a year (£16.20 a month) in 2026/27.
Figures for 2026/27, verified against HMRC on 5 October 2026.
Sources:HMRC rates and thresholds for employers, Income Tax rates and Personal Allowances, Income Tax in Scotland. Methodology →